Metlife Investors USA Separate Account A, et al. – ‘N-4’ on 11/14/14

On:  Friday, 11/14/14, at 5:56pm ET   ·   As of:  11/17/14   ·   Accession #:  1193125-14-413532   ·   File #s:  811-03365, 333-200237

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Registration Statement for a Separate Account (Unit Investment Trust)   —   Form N-4
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: N-4         Metlife Investors Usa Separate Account A -           663   3.74M 
                          Primelite Iv                                           
 2: EX-99.1(II)  Mli Usa Board Resolutions and Plan of Merger          9     34K 
 3: EX-99.1(III)  Micc Board Resolutions                               2     14K 
19: EX-99.10    Consent of Independent Registered Public               1     11K 
                          Accounting Firm (Deloitte & Touche LLP)                
20: EX-99.13    Powers of Attorney                                    15     72K 
 4: EX-99.3(I)(B)  Amendment to Distribution and Principal             2     14K 
                          Underwriter Agreement                                  
 5: EX-99.4(XXII)  Merger Endorsement                                  1     11K 
 6: EX-99.4(XXIII)  Non-Qualified Annuity Endorsement                  2     13K 
 7: EX-99.5     Form of Variable Annuity Application                   3     31K 
 8: EX-99.6(I)  Copy of Certificate of Incorporation and Amendment     5     21K 
 9: EX-99.6(II)  Copy of By-Laws of the Company                       15     54K 
10: EX-99.8(I)(D)  Amendment to Participation Agreement With Met       4     17K 
                          Investors Series Trust                                 
11: EX-99.8(III)(C)  Amendment to Participation Agreement With         5     20K 
                          American Funds Insurance Series                        
12: EX-99.8(IV)(D)  Amendment to Participation Agreement Among Aim     2     16K 
                          Variable Insurance Funds                               
14: EX-99.8(IV)(E)  Amendment to Participation Agreement With         10     34K 
                          Franklin Templeton Variable Insurance                  
17: EX-99.8(IX)(C)  Amendment to Participation Agreement With          3     17K 
                          Pioneer Variable Contracts Trust                       
13: EX-99.8(V)(C)  Amendment to Participation Agreement With          12     47K 
                          Fidelity(R) Variable Insurance Product                 
15: EX-99.8(VII)(C)  Amendment to Participation Agreement With         7     31K 
                          Legg Mason Partners Variable Eqty Trst                 
16: EX-99.8(VIII)(C)  Amendment to Participation Agreement With        4     16K 
                          Oppenheimer Variable Account Funds                     
18: EX-99.9     Opinion of Counsel                                     2     14K 

N-4   —   Metlife Investors Usa Separate Account A – Primelite Iv
Document Table of Contents

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As filed with the Securities and Exchange Commission on November 14, 2014 

                                                        File Nos. 333-
                                                                       811-03365

UNITED STATES 

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM N-4

              REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933        [x]

                          Pre-Effective Amendment No.                         []

                         Post-Effective Amendment No.                         []

and 

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940 

                               Amendment No. 530                             [x]

(Check Appropriate Box or Boxes)

MetLife Investors USA Separate Account A

(Exact Name of Registrant)

MetLife Insurance Company USA 

(Name of Depositor) 

11225 North Community House Road

Charlotte, NC 28277 

(Address of Depositor's Principal Executive Offices) (Zip Code) 

Depositor's Telephone Number, including Area Code 

(800) 989-3752

(Name and Address of Agent for Service) 

Eric T. Steigerwalt 

President 

MetLife Insurance Company USA 

11225 North Community House Road

Charlotte, NC 28277 

COPIES TO:

W. Thomas Conner

Reed Smith LLP

1301 K Street, N.W. 

Washington, D.C. 20005-3373 

APPROXIMATE DATE OF PROPOSED PUBLIC OFFERING

As soon as possible after the effective date of this registration statement.

The Registrant hereby amends this registration statement on such dates as may   
be necessary to delay its effective date until the Registrant shall file a      
further amendment which specifically states that this registration statement    
shall thereafter become effective in accordance with Section 8(a) of the        
Securities Act of 1933 or until the registration statement shall become         
effective on such date as the Commission, acting pursuant to said Section 8(a), 
may determine.                                                                  

TITLE OF SECURITIES BEING REGISTERED  

Interest in a separate account under individual flexible premium deferred       
variable annuity contracts.                                                     

This registration statement relates to Registration Statement No. 333-137968.   

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METLIFE INSURANCE COMPANY USA 
METLIFE INVESTORS USA SEPARATE ACCOUNT A  
METLIFE INVESTORS USA VARIABLE LIFE ACCOUNT A 

PROSPECTUS SUPPLEMENT DATED NOVEMBER 17, 2014 

 This supplement describes the recent merger involving MetLife Investors USA
Insurance Company, the insurer that issued your variable annuity or variable    
life insurance contract, and what it means for you. The supplement updates      
certain information contained in, and should be read in conjunction with, the   
prospectus for your contract. Please read it and keep it with your prospectus   
for future reference. You may obtain a copy of the prospectus for your contract 
by writing to MetLife Insurance Company USA, 11225 North Community House Road,  
Charlotte, NC 28277, or by calling 1-800-343-8496 or by accessing the           
Securities and Exchange Commission's website at http://www.sec.gov.             

Effective following the close of business on November 14, 2014, MetLife   
Investors USA Insurance Company, MetLife Investors Insurance Company and Exeter 
Reassurance Company, Ltd. were merged into MetLife Insurance Company of         
Connecticut, and MetLife Insurance Company of Connecticut was then renamed      
MetLife Insurance Company USA ("MetLife USA"). Simultaneously, MetLife USA      
changed its domicile from Connecticut to the State of Delaware. Accordingly,    
all references in your prospectus to MetLife Investors USA Insurance Company    
are replaced with MetLife USA.                                                  

  As a result of the merger, MetLife USA assumed legal ownership of all of the
assets of MetLife Investors USA Insurance Company, including the separate       
accounts listed above and the assets held in the separate accounts. MetLife USA 
is now responsible for administering your contract and paying any benefits due  
to you under the contract. In other words, you are now a contract owner of      
MetLife USA.                                                                    

The transfer of your contract to MetLife USA will not impact the          
administration of your contract. In particular:                                 

.   There are no changes in our obligations or your rights and benefits   
under your contract as a result of the merger.                    

.   All of the investment options previously available to you under your  
contract remain available for investment as of the date of this   
supplement.                                                       

.   MetLife USA will continue to service and maintain your contract in    
   accordance with its terms and there has been no change in the contact
information for the administrative offices for your contract.     

.   Your account value is not affected by the merger and no charges have  
been or will be imposed in connection with the merger.            

  .   The merger did not result in any federal income tax consequences to you.

THE FOLLOWING REPLACES THE DISCLOSURE IN YOUR PROSPECTUS DESCRIBING METLIFE     
INVESTORS USA INSURANCE COMPANY:                                                

METLIFE USA                                                                     

MetLife Insurance Company USA is a stock life insurance company originally      
chartered in Connecticut in 1863 and currently subject to the laws of the State 
of Delaware. MetLife USA was previously known as MetLife Insurance Company of   
Connecticut but changed its name to MetLife Insurance Company USA when it       
changed its state of domicile from Connecticut to Delaware on November 14,      
2014. MetLife USA is licensed to conduct business in all states of the United   
States, except New York, and in the District of Columbia, Puerto Rico, Guam,    
the U.S. and British Virgin Islands and the Bahamas. The company is a           
wholly-owned subsidiary of MetLife, Inc.,                                       

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a publicly-traded company. MetLife, Inc., through its subsidiaries and          
affiliates, is a leading provider of insurance and financial services to        
individuals and institutional customers. The company's principal executive      
offices are located at 11225 North Community House Road, Charlotte, NC 28277.   

Prior to November 17, 2014, the contract was issued by MetLife Investors USA    
Insurance Company (MetLife Investors). On November 14, 2014, following the      
close of business, MetLife Investors merged into MetLife USA and MetLife USA    
replaced MetLife Investors as the issuer of the contract.                       

THE FOLLOWING IS ADDED TO THE FIRST PARAGRAPH OF THE DISCLOSURE IN YOUR         
PROSPECTUS DESCRIBING THE SEPARATE ACCOUNT THAT HOLDS THE ASSETS UNDERLYING     
YOUR CONTRACT:                                                                  

THE SEPARATE ACCOUNT                                                            

On November 14, 2014, following the close of business MetLife Investors merged  
into MetLife USA and the Separate Account became a separate account of MetLife  
USA.                                                                            

FINANCIAL INFORMATION                                                           

If you would like a copy of the most recent financial statements of the company 
and the separate account through which your contract was issued, please contact 
us at the administrative offices for your contract.                             

THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE  

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METLIFE INSURANCE COMPANY USA 
METLIFE INVESTORS USA SEPARATE ACCOUNT A

SUPPLEMENT DATED NOVEMBER 17, 2014
TO
PROSPECTUS DATED NOVEMBER 17, 2014

This supplements the prospectus dated November 17, 2014 for the PrimElite IV/SM/
variable annuity contracts issued by MetLife Insurance Company USA ("we," "us," 
or "our"). This supplement should be read in its entirety and kept together with
your prospectus for future reference. If you would like another copy of the     
prospectus, write to us at 11225 North Community House Road, Charlotte, NC 28277
or call us at (888) 556-5412 to request a free copy.                            

Certain terms used in this supplement have special meanings. If a term is not   
defined in this supplement, it has the meaning given in the prospectus.         

1.   NON-QUALIFIED CONTRACT                                                     

The PrimElite IV variable annuity contract is only available in Puerto Rico as a
Non-Qualified Contract.                                                         

2.   PREMIUM TAXES                                                              

We will not deduct premium taxes paid by us to Puerto Rico from Purchase        
Payments, account balances, withdrawals, death benefits or income payments.     

3.   PUERTO RICO TAX CONSIDERATIONS                                             

While the U.S. Internal Revenue Code generally excludes from income on an annual
basis the amount attributable to the investment in a Non-Qualified Contract     
according to rules that take into consideration whether payments will be made   
over a term certain or for the life or lives of one or more individuals (and for
that matter, life expectancy tables are used), the Puerto Rico Internal Revenue 
Code of 2011 (the "2011 PR Code") provides different rules for the exclusion of 
income under the contract. Amounts distributed under the Non-Qualified Contract 
as annuities for a taxable year should be included in the annuitant's gross     
income as ordinary income, except that any portion of the annual amount in      
excess of 3% of the aggregate amount of the premiums paid will generally be     
excluded from gross income. Such exclusion from gross income will not be        
available once the aggregate amount excluded from gross income with respect to  
such distributions equals the total amount of the premiums paid. Payments not   
distributed as annuities are excludable from gross income each year until the   
total amount received exceeds the aggregate premiums or consideration paid.     

Similar to Section 1035 of the U.S. Internal Revenue Code, the 2011 PR Code     
allows the exchange of a life, endowment or annuity insurance contract for the  
Non-Qualified Contract without the recognition of gain or loss. Also, the total 
distribution of benefits accumulated under said contracts may qualify as a      
non-taxable exchange provided the total amount received is reinvested in the    
Non-Qualified Contract within 60 days following the date of distribution.       

                                                                SUPP-PEIVPRT1114

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Unless otherwise provided by regulations, the described rules allowing tax-free 
exchanges will not be available to the extent the exchange or indirect transfer 
results in the transfer of property to a person that is a nonresident of Puerto 
Rico.                                                                           

There is no specific guidance under the 2011 PR Code and its regulations as to  
whether owners of variable annuity contracts may be considered to be the owners 
of the assets of the underlying Separate Account for Puerto Rico income tax     
purposes due to their ability to exercise investment control over those assets. 
Some federal administrative pronouncements have held in this scenario that the  
contract owners should be currently taxed on income and gains attributable to   
the variable account assets. However, there are other federal administrative    
pronouncements, which might be persuasive in Puerto Rico, that establish that in
order to prevent a contract owner from being treated as the owner of the        
Separate Account assets supporting the contract, the Separate Account must be   
adequately diversified, it must have separate sub-accounts over which the       
contract owner can be allowed to allocate premiums, change allocations and      
transfer funds among them. At this point, we cannot predict with reasonable     
accuracy the tax treatment to be accorded by the Puerto Rico tax authorities to 
the contract owners with respect to the income and gains attributable to the    
variable account assets. However, we reserve the right to modify the contract as
necessary to prevent a contract owner from being treated as the owner of the    
Separate Account assets supporting the variable annuity contract.               

The U.S. Internal Revenue Service has issued guidance providing that payments to
bona fide residents of Puerto Rico with respect to life insurance and annuity   
contracts issued by a U.S. life insurance company constitute U.S. source income 
not excludible from gross income of the recipient under Internal Revenue Code   
Section 933 and thus, subject to U.S. income taxation on an annual basis. Based 
on such guidance, Puerto Rico bona fide residents receiving payments under the  
Non-Qualified Contracts will also be subject to U.S. income taxation and will   
have to observe the different set of rules under the 2011 PR Code and the U.S.  
Internal Revenue Code which might produce differences in the timing of          
recognition of income. Although the 2011 PR Code provides a credit against the  
Puerto Rico income tax for U.S. income taxes paid, an individual might not get  
full tax credit due to the timing differences.                                  

The above discussion is based on the assumption that the Non-Qualified Contract 
is an annuity and endowment contract for purposes of the 2011 PR Code, and an   
annuity contract for purposes of the U.S. Internal Revenue Code. If the         
Non-Qualified Contract is not classified as an annuity and endowment contract   
for purposes of the 2011 PR Code, and as an annuity contract for purposes of the
U.S. Internal Revenue Code, the owner of the Non-Qualified Contract may be taxed
currently on the earnings of his/her contract, or may be considered the owner of
the underlying securities and taxed on the earnings of the assets in the        
separate account underlying his/her contract.                                   

The above references to the term "Non-Qualified Contract" shall refer to the    
investment in a variable annuity contract which is independent of any formal    
retirement or pension plan program.                                             

A Puerto Rico qualified retirement plan trust may be exempted from income       
taxation pursuant to 2011 PR Code Section 1081.01 and Section 1022(i) of the    
Employee Retirement Income Security Act of 1974, as amended (ERISA). If a       
variable annuity contract is acquired by said                                   

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trust, the earnings accumulated or distributed under such contract or any income
realized from the sale or exchange of the contract may not be subject to current
income taxation due to the income tax exemption that the trust is entitled to.  
Whether a Puerto Rico retirement plan trust is qualified under 2011 PR Code     
Section 1081.01 depends on the facts and circumstances of each case. Each       
fiduciary of a Puerto Rico retirement plan should ascertain the qualified status
of the retirement plan trust, and thus, that it enjoys the benefits of income   
tax exemption before investing in the variable annuity contract.                

In the case of distributions from a qualified retirement plan under the 2011 PR 
Code in the form of annuity or installments as a result of separation from      
service, the amount that exceeds the sum of the annual exclusion of $15,000 for 
retirees that are 60 years old or older and $11,000 for other retirees plus the 
recovery of the consideration paid for the annuity following the 3% recognition 
of income rule described above, will generally constitute ordinary income       
subject to a 10% withholding tax.                                               

In the context of a Puerto Rico qualified retirement plan trust, the U.S.       
Internal Revenue Service has recently held that the transfer of assets and      
liabilities from a U.S. Internal Revenue Code qualified retirement plan trust 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 U.S. Internal Revenue Code qualified retirement plan trust 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 of U.S. Internal Revenue Code Section 401(a). The U.S.        
Internal Revenue Service 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 (i)(1) would be    
applicable to transfers taking effect after December 31, 2012.                  

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,   
like Puerto Rico, that does not recognize same-sex marriage.                    

The discussion above shall not be construed as tax advice and is based on the   
income tax laws of Puerto Rico and the United States as in effect on the date of
this prospectus, as well as regulations, administrative pronouncements and      
judicial decisions available on or before such date. All of the above is subject
to change and not binding on the Puerto Rico Treasury, the U.S. Internal Revenue
Service or the courts. You should consult your own tax adviser as to the        
application to your particular situation of the tax considerations discussed    
above, as well as the application of any other taxes.                           

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THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE

                                                                  (888) 556-5412

PrimElite IV is a service mark of Primerica, Inc. MetLife Insurance Company USA 
uses this mark pursuant to a license agreement.                                 

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                                                   THE VARIABLE ANNUITY CONTRACT

                                                                       ISSUED BY

                                                   METLIFE INSURANCE COMPANY USA

                                                                             AND

                                        METLIFE INVESTORS USA SEPARATE ACCOUNT A

                                                                    PRIMELITE IV

                                                               NOVEMBER 17, 2014

This prospectus describes the flexible premium deferred variable annuity        
contract offered by MetLife Insurance Company USA (MetLife USA or we or us).    
The contract is offered for individuals and some tax qualified and non-tax      
qualified retirement plans.                                                     

The annuity contract has 39 investment choices - a Fixed Account that offers an 
interest rate guaranteed by us, and 38 Investment Portfolios listed below. You  
can put your money in the Fixed Account and/or any of these Investment          
Portfolios.                                                                     

AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS) (SERIES II):    

Invesco V.I. Equity and Income Fund                                   
Invesco V.I. International Growth Fund                                

AMERICAN FUNDS INSURANCE SERIES (Reg. TM) (CLASS 2):                            

American Funds Bond Fund                                              
American Funds Global Growth Fund                                     
American Funds Global Small Capitalization Fund                       
American Funds Growth-Income Fund                                     

FIDELITY (Reg. TM) VARIABLE INSURANCE PRODUCTS (SERVICE CLASS 2):               

Contrafund (Reg. TM) Portfolio                                        
Mid Cap Portfolio                                                     

FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST (CLASS 2):                 

Franklin Income VIP Fund                                              
(formerly Franklin Income Securities Fund )                   
Franklin Mutual Shares VIP Fund                                       
(formerly Mutual Shares Securities Fund)                      
Franklin Small Cap Value VIP Fund                                     
(formerly Franklin Small Cap Value Securities Fund)           
Templeton Global Bond VIP Fund                                        
(formerly Templeton Global Bond Securities Fund)              

LEGG MASON PARTNERS VARIABLE EQUITY TRUST (CLASS I OR, AS NOTED, CLASS II):     

ClearBridge Variable Aggressive Growth Portfolio                      
ClearBridge Variable Appreciation Portfolio                           
ClearBridge Variable Equity Income Portfolio (Class II)               
ClearBridge Variable Small Cap Growth Portfolio                       

LEGG MASON PARTNERS VARIABLE INCOME TRUST (CLASS I):                            

Western Asset Variable Global High Yield Bond Portfolio               

MET INVESTORS SERIES TRUST (CLASS B OR, AS NOTED, CLASS C OR CLASS E):          

American Funds (Reg. TM) Growth Portfolio (Class C)                   
BlackRock High Yield Portfolio                                        
Clarion Global Real Estate Portfolio                                  
Harris Oakmark International Portfolio                                
Invesco Comstock Portfolio                                            
Invesco Mid Cap Value Portfolio                                       
Invesco Small Cap Growth Portfolio                                    
Loomis Sayles Global Markets Portfolio                                
MFS (Reg. TM) Emerging Markets Equity Portfolio                       
MFS (Reg. TM) Research International Portfolio                        
Morgan Stanley Mid Cap Growth Portfolio                               
Pioneer Fund Portfolio                                                
Pioneer Strategic Income Portfolio                                    
T. Rowe Price Large Cap Value Portfolio (Class E)                     

METROPOLITAN SERIES FUND (CLASS B):                                             

BlackRock Bond Income Portfolio                                       
BlackRock Money Market Portfolio                                      
Western Asset Management U.S. Government Portfolio                    

OPPENHEIMER VARIABLE ACCOUNT FUNDS (SERVICE SHARES):                            

Oppenheimer Main Street Small Cap Fund (Reg. TM)/VA                   

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PIONEER VARIABLE CONTRACTS TRUST (CLASS II):                                    

Pioneer Mid Cap Value VCT Portfolio                                   

LEGG MASON PARTNERS VARIABLE EQUITY TRUST:                                      

Legg Mason Variable Lifestyle Allocation 50%                          
Legg Mason Variable Lifestyle Allocation 85%                          

Please read this prospectus before investing and keep it on file for future     
reference. It contains important information about the MetLife USA Variable     
Annuity Contract.                                                               

To learn more about the MetLife USA Variable Annuity Contract, you can obtain a 
copy of the Statement of Additional Information (SAI) dated November 17, 2014.  
The SAI has been filed with the Securities and Exchange Commission (SEC) and is 
legally a part of the prospectus. The SEC maintains a Web site                  
(http://www.sec.gov) that contains the SAI, material incorporated by reference, 
and other information regarding companies that file electronically with the     
SEC. The Table of Contents of the SAI is on Page 67 of this prospectus. For a   
free copy of the SAI, call us at (888) 556-5412, visit our website at           
WWW.METLIFEINVESTORS.COM, or write to us at: 11225 North Community House Road,  
Charlotte, NC 28277.                                                            

The contracts:                                                                  

o  are not bank deposits                                                        

o  are not FDIC insured                                                         

o  are not insured by any federal government agency                             

o  are not guaranteed by any bank or credit union                               

o  may be subject to loss of principal                                          

THE SECURITIES AND EXCHANGE COMMISSION HAS NOT APPROVED OR DISAPPROVED THESE    
SECURITIES OR DETERMINED IF THIS PROSPECTUS IS ACCURATE OR COMPLETE. ANY        
REPRESENTATION TO THE CONTRARY IS A CRIMINAL OFFENSE.                           

November 17, 2014                                                               

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TABLE OF CONTENTS                                              PAGE             
PAGE                          

                                                                [Download Table]
                                            
INDEX OF SPECIAL TERMS..................   4
HIGHLIGHTS..............................   5
FEE TABLES AND EXAMPLES.................   7
1. THE ANNUITY CONTRACT.................  14
     Frequent or Large Transfers........  14
2. PURCHASE.............................  15
     Purchase Payments..................  15
     Termination for Low Account Value..  16
     Allocation of Purchase Payments....  16
     Free Look..........................  16
     Accumulation Units.................  17
     Account Value......................  17
     Replacement of Contracts...........  17
     Owning Multiple Contracts..........  18
3. INVESTMENT OPTIONS...................  18
     Transfers..........................  21
     Dollar Cost Averaging Program......  24
     Automatic Rebalancing Program......  25
     Voting Rights......................  26
     Substitution of Investment Options.  26
4. EXPENSES.............................  26
     Product Charges....................  26
     Account Fee........................  28
     Lifetime Withdrawal Guarantee and      
       Guaranteed Withdrawal Benefit -      
       Rider Charge.....................  28
     Withdrawal Charge..................  30
     Reduction or Elimination of the        
       Withdrawal Charge................  31
     Premium and Other Taxes............  31
     Transfer Fee.......................  31
     Income Taxes.......................  32
     Investment Portfolio Expenses......  32
5. ANNUITY PAYMENTS                         
     (THE INCOME PHASE).................  32
     Annuity Date.......................  32
     Annuity Payments...................  32
     Annuity Options....................  33
     Variable Annuity Payments..........  34
     Fixed Annuity Payments.............  35
6. ACCESS TO YOUR MONEY.................  35
     Systematic Withdrawal Program......  36
     Suspension of Payments or              
       Transfers........................  36

                                                                [Download Table]
                                            
7. LIVING BENEFITS......................  37
     Guaranteed Withdrawal Benefits.....  37
     Description of the Lifetime          38
       Withdrawal Guarantee.............    
     Description of GWB I...............  44
8. PERFORMANCE..........................  47
9. DEATH BENEFIT........................  48
     Upon Your Death....................  48
     Standard Death Benefit - Principal     
       Protection.......................  49
     Optional Death Benefit - Annual        
       Step-Up..........................  49
     Additional Death Benefit -             
       Earnings Preservation Benefit....  49
     General Death Benefit Provisions...  50
     Spousal Continuation...............  51
     Death of the Annuitant.............  51
     Controlled Payout..................  51
10. FEDERAL INCOME TAX STATUS...........  51
     Non-Qualified Contracts............  52
     Qualified Contracts................  55
11. OTHER INFORMATION...................  62
     MetLife USA........................  62
     The Separate Account...............  62
     Distributor........................  63
     Selling Firms......................  63
     Requests and Elections.............  65
     Ownership..........................  66
     Legal Proceedings..................  67
     Financial Statements...............  67
TABLE OF CONTENTS OF THE STATEMENT OF       
ADDITIONAL INFORMATION..................  67
APPENDIX A.............................. A-1
     Condensed Financial Information.... A-1
APPENDIX B.............................. B-1
     Participating Investment               
       Portfolios....................... B-1
APPENDIX C.............................. C-1
     Investment Portfolios: Marketing       
       Names and                            
       Prospectus Names................. C-1
APPENDIX D.............................. D-1
     Guaranteed Withdrawal Benefit          
       Examples......................... D-1
APPENDIX E.............................. E-1
     Death Benefit Examples............. E-1

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INDEX OF SPECIAL TERMS                                                          

Because of the complex nature of the contract, we have used certain words or    
terms in this prospectus which may need an explanation. We have identified the  
following as some of these words or terms. The page that is indicated here is   
where we believe you will find the best explanation for the word or term. These 
words and terms are in italics on the indicated page.                           

                                                                            PAGE
Account Value............................................................ 17    
Accumulation Phase....................................................... 14    
Accumulation Unit........................................................ 17    
Annual Benefit Payment................................................... 40    
Annuitant................................................................ 66    
Annuity Date............................................................. 32    
Annuity Options.......................................................... 33    
Annuity Payments......................................................... 32    
Annuity Service Center.................................................... 6    
Annuity Units............................................................ 33    
Beneficiary.............................................................. 66    
Business Day............................................................. 16    
Contract Year............................................................ 16    
Fixed Account............................................................ 14    
Good Order............................................................... 65    
Guaranteed Principal Adjustment.......................................... 42    
Guaranteed Withdrawal Amount............................................. 46    
GWB Withdrawal Rate...................................................... 45    
Income Phase............................................................. 14    
Investment Portfolios.................................................... 18    
Joint Owners............................................................. 66    
Owner.................................................................... 66    
Purchase Payment......................................................... 15    
Remaining Guaranteed Withdrawal Amount................................... 39    
Separate Account......................................................... 62    
Total Guaranteed Withdrawal Amount....................................... 38    

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HIGHLIGHTS                                                                      

The variable annuity contract that we are offering is a contract between you,   
the Owner, and us, the insurance company, where you agree to make at least one  
Purchase Payment to us and we agree to make a series of Annuity Payments at a   
later date. The contract has a maximum issue age and you should consult with    
your registered representative. The contract provides a means for investing on  
a tax-deferred basis in our Fixed Account and the Investment Portfolios. The    
contract is intended for retirement savings or other long-term investment       
purposes. When you purchase the contract, you can choose an optional death      
benefit and fixed and variable income options. You can also select a guaranteed 
withdrawal benefit (GWB). We are obligated to pay all money we owe under the    
contracts, including death benefits, income payments, and amounts due under a   
GWB. Any such amount that exceeds the assets in the Separate Account is paid    
from our general account, subject to our financial strength and claims-paying   
ability and our long-term ability to make such payments, and is not guaranteed  
by any other party. (See "Other Information - The Separate Account.")           

The contract, like all deferred annuity contracts, has two phases: the          
Accumulation Phase and the Income Phase. During the Accumulation Phase,         
earnings accumulate on a tax-deferred basis and are taxed as income when you    
make a withdrawal. If you make a withdrawal during the Accumulation Phase, we   
may assess a withdrawal charge of up to 8%. Certain withdrawals, depending on   
the amount and timing, may negatively impact the benefits and guarantees        
provided by your contract. You should carefully consider whether a withdrawal   
under a particular circumstance will have any negative impact to your benefits  
or guarantees. The impact of withdrawals generally on your benefits and         
guarantees is discussed in the corresponding sections of the prospectus         
describing such benefits and guarantees.                                        

The Income Phase occurs when you or a designated payee begin receiving regular  
Annuity Payments from your contract. You and the Annuitant (the person on whose 
life we base Annuity Payments) do not have to be the same, unless you purchase  
a tax qualified contract.                                                       

You can have Annuity Payments made on a variable basis, a fixed basis, or a     
combination of both. If you choose variable Annuity Payments, the amount of the 
variable Annuity Payments will depend upon the investment performance of the    
Investment Portfolio(s) you select for the Income Phase. If you choose fixed    
Annuity Payments, the amount of each payment will not change during the Income  
Phase.                                                                          

TAX DEFERRAL AND QUALIFIED PLANS. The contracts are offered for individuals and 
some tax qualified and non-tax qualified retirement plans. For any tax          
qualified account (e.g., an IRA), the tax deferred accrual feature is provided  
by the tax qualified retirement plan. Therefore, there should be reasons other  
than tax deferral for acquiring the contract within a qualified plan. (See      
"Federal Income Tax Status.")                                                   

STATE VARIATIONS. Contracts issued in your state may provide different features 
and benefits from, and impose different costs than, those described in this     
prospectus because of state law variations. These differences include, among    
other things, free look rights, age issuance limitations, transfer rights and   
limitations, the right to reject Purchase Payments, the right to assess         
transfer fees, requirements for unisex annuity rates, the general availability  
of certain riders, and the availability of certain features of riders. However, 
please note that the maximum fees and charges for all features and benefits are 
set forth in the fee table in this prospectus. This prospectus describes all    
the material features of the contract. If you would like to review a copy of    
the contract and any endorsements, contact our Annuity Service Center.          

FREE LOOK. You may cancel the contract within 10 days after receiving it (or    
whatever period is required in your state). If you mail your cancellation       
request, the request must be postmarked by the appropriate day; if you deliver  
your cancellation request by hand, it must be received by us by the appropriate 
day. Unless otherwise required by state law, you will receive whatever your     
contract is worth on the day that we receive your cancellation request and we   
will not deduct a withdrawal charge. The amount you receive may be more or less 
than your Purchase Payment depending upon the performance of the Investment     
Portfolios. You bear the risk of any decline in Account Value. We do not refund 
any charges or deductions assessed during the free look period. We will return  
your Purchase Payment if required by law.                                       

TAX PENALTY. The earnings in your contract are not taxed until you take money   
out of your contract. If you take money out of a Non-Qualified Contract during  
the Accumulation Phase, for tax purposes any earnings are deemed to come out    
first. If you are younger than 59 1/2 when you take money out, you may be       
charged a 10%                                                                   

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federal tax penalty on those earnings. Payments during the Income Phase are     
considered partly a return of your original investment until your investment is 
returned.                                                                       

NON-NATURAL PERSONS AS OWNERS. If the Owner of a non-qualified annuity contract 
is not a natural person (e.g., a corporation, partnership or certain trusts),   
gains under the contract are generally not eligible for tax deferral. The Owner 
of this contract can be a natural person, a trust established for the exclusive 
benefit of a natural person, a charitable remainder trust or other trust        
arrangement (if approved by us). The Owner of this contract can also be a       
Beneficiary of a deceased person's contract that is an Individual Retirement    
Account or non-qualified deferred annuity. A contract generally may have two    
Owners (both of whom must be individuals). The contract is not available to     
corporations or other business organizations, except to the extent an employer  
is the purchaser of a SEP or SIMPLE IRA contract. Subject to state approval,    
certain retirement plans qualified under the Internal Revenue Code may purchase 
the contract. If a non-natural person is the Owner of a Non-Qualified Contract, 
the distribution on death rules under the Internal Revenue Code may require     
payment to begin earlier than expected and may impact the usefulness of the     
living and/or death benefits.                                                   

NON-NATURAL PERSONS AS BENEFICIARIES. Naming a non-natural person, such as a    
trust or estate, as a Beneficiary under the contract will generally eliminate   
the Beneficiary's ability to stretch the contract or a spousal Beneficiary's    
ability to continue the contract and the living and/or death benefits.          

INQUIRIES. If you need more information, please contact our ANNUITY SERVICE     
CENTER at:                                                                      

MetLife Investors Distribution Company  

P.O. Box 10426  
Des Moines, Iowa 50306-0426 
(888) 556-5412

ELECTRONIC DELIVERY. As an Owner you may elect to receive electronic delivery   
of current prospectuses related to this contract, prospectuses and annual and   
semi-annual reports for the Investment Portfolios and other contract related    
documents.                                                                      

Contact us at WWW.METLIFEINVESTORS.COM for more information and to enroll.      

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FEE TABLES AND EXAMPLES                                                         

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 ACCOUNT VALUE BETWEEN INVESTMENT OPTIONS.   
STATE PREMIUM TAXES OF 0% TO 3.5% MAY ALSO BE DEDUCTED.                         

--------------------------------------------------------------------------------

OWNER TRANSACTION EXPENSES TABLE                                                

                                                                [Download Table]
                                                              
WITHDRAWAL CHARGE (Note 1)              8%                    
(as a percentage of Purchase Payments)                        
TRANSFER FEE (Note 2)                   $25                   
                                        $0 (First 12 per year)

--------------------------------------------------------------------------------

Note 1. If an amount withdrawn is determined to include the withdrawal of prior 
Purchase Payments, a withdrawal charge may be assessed. Withdrawal charges are  
calculated in accordance with the following. (See "Expenses - Withdrawal        
Charge.")                                                                       

                                                                [Download Table]

 Number of Complete Years from   Withdrawal Charge       
  Receipt of Purchase Payment    (% of Purchase Payment) 
------------------------------   ------------------------
                                                         
               0                            8            
               1                            8            
               2                            7            
               3                            6            
               4                            5            
               5                            4            
               6                            3            
               7                            2            
         8 and thereafter                   0            

Note 2. There is no charge for the first 12 transfers in a Contract Year;       
thereafter the fee is $25 per transfer. MetLife USA is currently waiving the    
transfer fee, but reserves the right to charge the fee in the future.           

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THE NEXT TABLES DESCRIBE THE FEES AND EXPENSES THAT YOU WILL PAY PERIODICALLY   
DURING THE TIME THAT YOU OWN THE CONTRACT, NOT INCLUDING INVESTMENT PORTFOLIO   
FEES AND EXPENSES.                                                              

--------------------------------------------------------------------------------

                                                                [Download Table]
                         
ACCOUNT FEE (Note 1)  $30


SEPARATE ACCOUNT ANNUAL EXPENSES (Note 2)                                       

(referred to as Separate Account Product Charges)                               
(as a percentage of average Account Value in the Separate Account)              

                                                                [Download Table]
                                                  
Mortality and Expense Charge (maximum)       1.20%
  (Notes 3 and 4)                                 
Administration Charge                        0.15%
                                             ---- 
Total Separate Account Annual Expenses       1.35%
  (maximum) (Note 3)                              
Death Benefit Rider Charge (Optional)             
(as a percentage of average Account Value in the  
Separate Account)                                 
Optional Death Benefit - Annual Step-Up      0.15%
Additional Death Benefit - Earnings          0.25%
  Preservation Benefit                            
Total Separate Account Annual Expenses            
  (maximum)                                       
Including Highest Charges for Optional       1.75%
  Death Benefits (Note 5)                         

--------------------------------------------------------------------------------

Note 1. An Account Fee of $30 is charged on the last day of each Contract Year  
if the Account Value is less than $50,000. Different policies apply during the  
Income Phase of the contract. (See "Expenses - Account Fee.")                   

Note 2. Certain charges and expenses may not apply during the Income Phase of   
the contract. (See "Expenses.")                                                 

Note 3. The Mortality and Expense Charge may be reduced in certain              
circumstances. (These reductions do not apply to contracts issued in Oregon. In 
Oregon, the Mortality and Expense Charge is always 1.20%.) You are required to  
estimate on the application the total Purchase Payments you intend to make in   
the first Contract Year. This estimate will determine the Mortality and Expense 
charge you pay during the first Contract Year. At the first contract            
anniversary, the Mortality and Expense charge may be increased if you do not    
reach your Purchase Payment estimate. Also, additional Purchase Payments in     
excess of your estimate and additional Purchase Payments after the first        
Contract Year will not lower your Mortality and Expense charge. Please see      
"Expenses - Product Charges - How to Reduce the Mortality and Expense Charge"   
for more information.                                                           

                                                                [Download Table]
                                                                 
ESTIMATED/TOTAL PURCHASE PAYMENTS    MORTALITY AND EXPENSE CHARGE
        IN FIRST CONTRACT YEAR                                   
               $0 - 99,999           1.20%                       
          $100,000 - 249,999         1.05%                       
          $250,000 - 499,999         0.95%                       
            $500,000 or more         0.80%                       

Note 4. We are waiving the following amounts of the Mortality and Expense       
Charge: the amount, if any, equal to the underlying fund expenses that are in   
excess of 0.84% for the subaccount investing in the Invesco Comstock Portfolio  
(Class B) of Met Investors Series Trust; the amount, if any, equal to the       
underlying fund expenses that are in excess of 0.50% for the subaccount         
investing in the BlackRock Money Market Portfolio (Class E) of Metropolitan     
Series Fund; and the amount, if any, equal to the underlying fund expenses that 
are in excess of 0.87% for the subaccount investing in the Oppenheimer Global   
Equity Portfolio (Class B) of Met Investors Series Trust (see Appendix A -      
"Discontinued Investment Portfolios").                                          

Note 5. This charge is determined by adding the Mortality and Expense Charge,   
the Administration Charge, the Optional Death Benefit-Annual Step-Up Charge,    
and the Additional Death Benefit - Earnings Preservation Benefit Charge.        

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ADDITIONAL OPTIONAL RIDER CHARGES (Note 1)                                      

                                                                [Download Table]
                                              
LIFETIME WITHDRAWAL GUARANTEE RIDER           
  CHARGES                                     
(as a percentage of the Total                 
  Guaranteed Withdrawal Amount (Note 2))      
  Lifetime Withdrawal Guarantee          1.60%
  (Single Life version) -  maximum            
    charge                                    
  Lifetime Withdrawal Guarantee          1.40%
  (Single Life version) -  current            
    charge                                    
  Lifetime Withdrawal Guarantee          1.80%
  (Joint Life version) -  maximum charge      
  Lifetime Withdrawal Guarantee          1.55%
  (Joint Life version) -  current charge      
GUARANTEED WITHDRAWAL BENEFIT I RIDER         
  CHARGE                                      
(as a percentage of the Guaranteed            
  Withdrawal Amount) (Note 3)                 
  Guaranteed Withdrawal Benefit I (GWB   0.25%
    I)                                        

--------------------------------------------------------------------------------

Note 1. You may only elect one living benefit rider at a time. Certain rider    
charges for contracts issued on or before November 8, 2013 are different.       
Certain charges and expenses may not apply during the Income Phase of the       
contract. (See "Expenses - Lifetime Withdrawal Guarantee and Guaranteed         
Withdrawal Benefit - Rider Charge.")                                            

Note 2. The Total Guaranteed Withdrawal Amount is initially set at an amount    
equal to your initial Purchase Payment. The Total Guaranteed Withdrawal Amount  
may increase with additional Purchase Payments. See "Living Benefits -          
Guaranteed Withdrawal Benefits" for a definition of the term Total Guaranteed   
Withdrawal Amount. The Lifetime Withdrawal Guarantee rider charges may increase 
upon an Automatic Annual Step-Up, but they will not exceed the maximum charges  
listed in this table. (See "Expenses - Lifetime Withdrawal Guarantee and        
Guaranteed Withdrawal Benefit - Rider Charge.")                                 

Note 3. The Guaranteed Withdrawal Benefit I rider is not available for          
purchase. The Guaranteed Withdrawal Amount is initially set at an amount equal  
to your initial Purchase Payment. The Guaranteed Withdrawal Amount may increase 
with additional Purchase Payments. See "Living Benefits - Guaranteed Withdrawal 
Benefits" for a definition of the term Guaranteed Withdrawal Amount.            

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--------------------------------------------------------------------------------

THE NEXT TABLE SHOWS THE MINIMUM AND MAXIMUM TOTAL OPERATING EXPENSES CHARGED   
BY THE INVESTMENT PORTFOLIOS THAT YOU MAY PAY PERIODICALLY DURING THE TIME THAT 
YOU OWN THE CONTRACT. CERTAIN INVESTMENT PORTFOLIOS MAY IMPOSE A REDEMPTION FEE 
IN THE FUTURE. MORE DETAIL CONCERNING EACH INVESTMENT PORTFOLIO'S FEES AND      
EXPENSES IS CONTAINED IN THE PROSPECTUSES FOR THE INVESTMENT PORTFOLIOS AND IN  
THE FOLLOWING TABLES.                                                           

                                                                [Download Table]
                                                            
                                         Minimum     Maximum
                                         ----        ----   

Total Annual Portfolio Expenses          0.54%       1.28%  
(expenses that are deducted from                            
  Investment Portfolio assets, including                    

                                                                [Download Table]
                                    
management fees, 12b-1/service fees,
  and other expenses)               

--------------------------------------------------------------------------------

FOR INFORMATION CONCERNING COMPENSATION PAID FOR THE SALE OF THE CONTRACTS, SEE 
"OTHER INFORMATION - DISTRIBUTOR."                                              

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INVESTMENT PORTFOLIO EXPENSES                                                   

(as a percentage of the average daily net assets of an Investment Portfolio)    

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

                                                        [Enlarge/Download Table]

                                                                                  ACQUIRED     TOTAL     CONTRACTUAL   NET TOTAL
                                                                                    FUND       ANNUAL      EXPENSE      ANNUAL  
                                          MANAGEMENT   12B-1/SERVICE     OTHER    FEES AND   PORTFOLIO     SUBSIDY     PORTFOLIO
                                             FEES           FEES       EXPENSES   EXPENSES    EXPENSES   OR DEFERRAL   EXPENSES 
                                         ------------ --------------- ---------- ---------- ----------- ------------- ----------
                                                                                                                                
AIM VARIABLE INSURANCE FUNDS (INVESCO                                                                                           
 VARIABLE INSURANCE FUNDS)                                                                                                      
 Invesco V.I. Equity and Income Fund       0.38%        0.25%          0.29%      0.01%      0.93%       0.01%         0.92%    
 Invesco V.I. International Growth Fund    0.71%        0.25%          0.31%      0.01%      1.28%       0.01%         1.27%    
AMERICAN FUNDS INSURANCE SERIES (Reg.                                                                                           
  TM)                                                                                                                           
 American Funds Bond Fund                  0.37%        0.25%          0.02%      0.00%      0.64%          -          0.64%    
 American Funds Global Growth Fund         0.52%        0.25%          0.03%      0.00%      0.80%          -          0.80%    
 American Funds Global Small               0.70%        0.25%          0.04%      0.00%      0.99%          -          0.99%    
   Capitalization Fund                                                                                                          
 American Funds Growth-Income Fund         0.27%        0.25%          0.02%      0.00%      0.54%          -          0.54%    
FIDELITY (Reg. TM) VARIABLE INSURANCE                                                                                           
  PRODUCTS                                                                                                                      
 Contrafund (Reg. TM) Portfolio            0.55%        0.25%          0.09%      0.00%      0.89%          -          0.89%    
 Mid Cap Portfolio                         0.55%        0.25%          0.09%      0.00%      0.89%          -          0.89%    
FRANKLIN TEMPLETON VARIABLE INSURANCE                                                                                           
 PRODUCTS TRUST                                                                                                                 
 Franklin Income VIP Fund                  0.45%        0.25%          0.02%      0.00%      0.72%          -          0.72%    
 Franklin Mutual Shares VIP Fund           0.69%        0.25%          0.02%      0.00%      0.96%          -          0.96%    
 Franklin Small Cap Value VIP Fund         0.61%        0.25%          0.02%      0.00%      0.88%          -          0.88%    
 Templeton Global Bond VIP Fund            0.46%        0.25%          0.05%      0.00%      0.76%          -          0.76%    
LEGG MASON PARTNERS VARIABLE EQUITY                                                                                             
 TRUST                                                                                                                          
 ClearBridge Variable Aggressive Growth    0.75%        0.00%          0.04%      0.00%      0.79%       0.00%         0.79%    
 Portfolio                                                                                                                      
 ClearBridge Variable Appreciation         0.70%        0.00%          0.05%      0.00%      0.75%       0.00%         0.75%    
   Portfolio                                                                                                                    
 ClearBridge Variable Equity Income        0.75%        0.25%          0.06%      0.00%      1.06%       0.00%         1.06%    
   Portfolio                                                                                                                    
 ClearBridge Variable Small Cap Growth     0.75%        0.00%          0.08%      0.00%      0.83%       0.00%         0.83%    
 Portfolio                                                                                                                      
LEGG MASON PARTNERS VARIABLE INCOME                                                                                             
 TRUST                                                                                                                          
 Western Asset Variable Global High        0.70%        0.00%          0.11%      0.00%      0.81%       0.00%         0.81%    
   Yield Bond Portfolio                                                                                                         

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                                                        [Enlarge/Download Table]

                                                                                  ACQUIRED     TOTAL     CONTRACTUAL   NET TOTAL
                                                                                    FUND       ANNUAL      EXPENSE      ANNUAL  
                                          MANAGEMENT   12B-1/SERVICE     OTHER    FEES AND   PORTFOLIO     SUBSIDY     PORTFOLIO
                                             FEES           FEES       EXPENSES   EXPENSES    EXPENSES   OR DEFERRAL   EXPENSES 
                                         ------------ --------------- ---------- ---------- ----------- ------------- ----------
                                                                                                                                
MET INVESTORS SERIES TRUST                                                                                                      

 American Funds (Reg. TM) Growth           0.00%        0.55%          0.02%      0.35%      0.92%          -          0.92%    
   Portfolio                                                                                                                    
 BlackRock High Yield Portfolio            0.60%        0.25%          0.09%      0.08%      1.02%          -          1.02%    
 Clarion Global Real Estate Portfolio      0.60%        0.25%          0.05%      0.00%      0.90%          -          0.90%    
 Harris Oakmark International Portfolio    0.77%        0.25%          0.06%      0.00%      1.08%       0.02%         1.06%    
 Invesco Comstock Portfolio                0.57%        0.25%          0.02%      0.00%      0.84%       0.02%         0.82%    
 Invesco Mid Cap Value Portfolio           0.65%        0.25%          0.05%      0.08%      1.03%       0.02%         1.01%    
 Invesco Small Cap Growth Portfolio        0.85%        0.25%          0.02%      0.00%      1.12%       0.02%         1.10%    
 Loomis Sayles Global Markets Portfolio    0.70%        0.25%          0.08%      0.00%      1.03%          -          1.03%    
 MFS (Reg. TM) Emerging Markets Equity     0.87%        0.25%          0.15%      0.00%      1.27%       0.01%         1.26%    
   Portfolio                                                                                                                    
 MFS (Reg. TM) Research International      0.68%        0.25%          0.07%      0.00%      1.00%       0.06%         0.94%    
   Portfolio                                                                                                                    
 Morgan Stanley Mid Cap Growth Portfolio   0.64%        0.25%          0.05%      0.00%      0.94%       0.01%         0.93%    
 Pioneer Fund Portfolio                    0.65%        0.25%          0.05%      0.00%      0.95%       0.04%         0.91%    
 Pioneer Strategic Income Portfolio        0.57%        0.25%          0.06%      0.00%      0.88%          -          0.88%    
 T. Rowe Price Large Cap Value Portfolio   0.57%        0.15%          0.02%      0.00%      0.74%          -          0.74%    
METROPOLITAN SERIES FUND                                                                                                        
 BlackRock Bond Income Portfolio           0.33%        0.25%          0.02%      0.00%      0.60%       0.00%         0.60%    
 BlackRock Money Market Portfolio          0.33%        0.25%          0.02%      0.00%      0.60%       0.02%         0.58%    
 Western Asset Management U.S.             0.47%        0.25%          0.02%      0.00%      0.74%       0.01%         0.73%    
   Government Portfolio                                                                                                         
OPPENHEIMER VARIABLE ACCOUNT FUNDS                                                                                              
 Oppenheimer Main Street Small Cap         0.68%        0.25%          0.13%      0.00%      1.06%       0.01%         1.05%    
 Fund (Reg. TM)/VA                                                                                                              
PIONEER VARIABLE CONTRACTS TRUST                                                                                                
 Pioneer Mid Cap Value VCT Portfolio       0.65%        0.25%          0.06%      0.00%      0.96%          -          0.96%    

                                                        [Enlarge/Download Table]

                                                                                                                    NET TOTAL 
                                                                                                                     ANNUAL   
                                                                                                                    PORTFOLIO 
                                                                                                                    EXPENSES  
                                                                              ACQUIRED     TOTAL     CONTRACTUAL    INCLUDING 
                                                                                FUND       ANNUAL      EXPENSE     EXPENSES OF
                                      MANAGEMENT   12B-1/SERVICE     OTHER    FEES AND   PORTFOLIO    SUBSIDY OR   UNDERLYING 
                                         FEES           FEES       EXPENSES   EXPENSES    EXPENSES     DEFERRAL    PORTFOLIOS 
                                     ------------ --------------- ---------- ---------- ----------- ------------- ------------
                                                                                                                              
LEGG MASON PARTNERS VARIABLE EQUITY                                                                                           
 TRUST                                                                                                                        

 Legg Mason Variable Lifestyle         0.00%        0.00%          0.10%      0.72%      0.82%       0.00%         0.82%      
   Allocation 50%                                                                                                             
 Legg Mason Variable Lifestyle         0.00%        0.00%          0.11%      0.82%      0.93%       0.00%         0.93%      
   Allocation 85%                                                                                                             

The information shown in the table above was provided by the Investment         
Portfolios and we have not independently verified that information. Net Total   
Annual Portfolio Expenses shown in the table reflect any current fee waiver or  
expense reimbursement arrangement that will remain in effect for a period of at 
least one year from the date of the Investment Portfolio's 2014 prospectus.     
"0.00%" in the Contractual Expense Subsidy or Deferral column indicates that    
there is such an arrangement in effect for a Investment Portfolio, but that the 
expenses of the Investment Portfolio are below the level that would trigger the 
waiver or reimbursement. Fee waiver and expense reimbursement arrangements with 
a duration of less than one year, or arrangements that may be terminated        
without the consent of the Investment Portfolio's board of directors or         
trustees, are not shown.                                                        

Certain Investment Portfolios 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 Investment Portfolio invests in other       
funds, it will bear its pro rata portion of the operating expenses of those     
underlying funds, including the management fee.                                 

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EXAMPLES                                                                        

THESE EXAMPLES ARE 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, CONTRACT FEES, SEPARATE      
ACCOUNT ANNUAL EXPENSES, AND INVESTMENT PORTFOLIO FEES AND EXPENSES.            

THE EXAMPLES ASSUME THAT YOU INVEST $10,000 IN THE CONTRACT FOR THE TIME        
PERIODS INDICATED. THE EXAMPLES ALSO ASSUME THAT YOUR INVESTMENT HAS A 5%       
RETURN EACH YEAR AND ASSUME: (A) MAXIMUM AND (B) MINIMUM FEES AND EXPENSES OF   
ANY OF THE INVESTMENT PORTFOLIOS (BEFORE SUBSIDY AND/OR DEFERRAL). ALTHOUGH     
YOUR ACTUAL COSTS MAY BE HIGHER OR LOWER, BASED ON THESE ASSUMPTIONS, YOUR      
COSTS WOULD BE:                                                                 

CHART 1. Chart 1 assumes you select the optional Annual Step-Up Death Benefit   
rider, the Additional Death Benefit - Earnings Preservation Benefit rider and   
the Joint Life version of the Lifetime Withdrawal Guarantee rider (assuming the 
maximum charge of 1.80% applies in all Contract Years), which is the most       
expensive way to purchase the contract.                                         

(1) IF YOU SURRENDER YOUR CONTRACT AT THE END OF THE APPLICABLE TIME PERIOD:    

                                                                [Download Table]

                           Time Periods                               
                1 year         3 years        5 years       10 years  
             ------------   ------------   ------------   ------------
                                                                      
maximum       (a)$1,319      (a)$2,209      (a)$3,116      (a)$5,509  
mimimum       (b)$1,246      (b)$1,993      (b)$2,766      (b)$4,867  

(2) IF YOU DO NOT SURRENDER YOUR CONTRACT OR IF YOU ANNUITIZE AT THE END OF THE 
APPLICABLE TIME PERIOD:                                                         

                                                                [Download Table]

                          Time Periods                              
               1 year        3 years        5 years       10 years  
             ----------   ------------   ------------   ------------
                                                                    
maximum       (a)$519      (a)$1,579      (a)$2,666      (a)$5,509  
minimum       (b)$446      (b)$1,363      (b)$2,316      (b)$4,867  

CHART 2. Chart 2 below assumes that you do not select any optional death        
benefit riders or living benefit riders, which is the least expensive way to    
purchase the contract.                                                          

(1) IF YOU SURRENDER YOUR CONTRACT AT THE END OF THE APPLICABLE TIME PERIOD:    

                                                                [Download Table]

                           Time Periods                               
                1 year         3 years        5 years       10 years  
             ------------   ------------   ------------   ------------
                                                                      
maximum       (a)$1,092      (a)$1,523      (a)$1,967      (a)$3,183  
minimum       (b)$1,108      (b)$1,301      (b)$1,597      (b)$2,444  

(2) IF YOU DO NOT SURRENDER YOUR CONTRACT OR IF YOU ANNUITIZE AT THE END OF THE 
APPLICABLE TIME PERIOD:                                                         

                                                                [Download Table]

                        Time Periods                             
               1 year      3 years       5 years       10 years  
             ----------   ---------   ------------   ------------
                                                                 
maximum       (a)$292      (a)$893     (a)$1,517      (a)$3,183  
minimum       (b)$218      (b)$671     (b)$1,147      (b)$2,444  

The Examples should not be considered a representation of past or future        
expenses or annual rates of return of any Investment Portfolio. Actual expenses 
and annual rates of return may be more or less than those assumed for the       
purpose of the Examples. Condensed financial information containing the         
Accumulation Unit value history appears in Appendix A of this prospectus as     
well as in the SAI.                                                             

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1. THE ANNUITY CONTRACT                                                         

This prospectus describes the Variable Annuity Contract offered by us.          

The variable annuity contract is a contract between you as the Owner, and us,   
the insurance company, where we promise to pay an income to you, in the form of 
Annuity Payments, beginning on a designated date that you select. Until you     
decide to begin receiving Annuity Payments, your annuity is in the ACCUMULATION 
PHASE. Once you begin receiving Annuity Payments, your contract switches to the 
INCOME PHASE.                                                                   

The contract benefits from tax deferral. Tax deferral means that you are not    
taxed on earnings or appreciation on the assets in your contract until you take 
money out of your contract. For any tax qualified account (e.g., an IRA), the   
tax deferred accrual feature is provided by the tax qualified retirement plan.  
Therefore, there should be reasons other than tax deferral for acquiring the    
contract within a qualified plan. (See "Federal Income Tax Status.")            

The contract is called a variable annuity because you can choose among the      
Investment Portfolios and, depending upon market conditions, you can make or    
lose money in any of these portfolios. If you select the variable annuity       
portion of the contract, the amount of money you are able to accumulate in your 
contract during the Accumulation Phase depends upon the investment performance  
of the Investment Portfolio(s) you select. The amount of the Annuity Payments   
you receive during the Income Phase from the variable annuity portion of the    
contract also depends, in part, upon the investment performance of the          
Investment Portfolio(s) you select for the Income Phase. We do not guarantee    
the investment performance of the variable annuity portion. You bear the full   
investment risk for all amounts allocated to the variable annuity portion.      
However, there are certain optional features that provide guarantees that can   
reduce your investment risk (see "Living Benefits").                            

In most states, the contract also contains a FIXED ACCOUNT (contact your        
registered representative regarding your state). The Fixed Account is not       
offered by this prospectus. The Fixed Account offers an interest rate that is   
guaranteed by us. The minimum interest rate depends on the date your contract   
is issued but will not be less than 1%. Your registered representative can tell 
you the current and minimum interest rates that apply. If you select the Fixed  
Account, your money will be placed with our other general account assets, and   
the amount of money you are able to accumulate in your contract during the      
Accumulation Phase depends upon the total interest credited to your contract.   
The Fixed Account is part of our general account. Our general account consists  
of all assets owned by us other than those in the Separate Account and our      
other separate accounts. We have sole discretion over the investment of assets  
in the general account. If you select a fixed Annuity Payment option during the 
Income Phase, payments are made from our general account assets. All guarantees 
as to Purchase Payments or Account Value allocated to the Fixed Account,        
interest credited to the Fixed Account, and fixed Annuity Payments are subject  
to our financial strength and claims-paying ability.                            

The amount of the Annuity Payments you receive during the Income Phase from a   
fixed Annuity Payment option of the contract will remain level for the entire   
Income Phase. (Please see "Annuity Payments (The Income Phase)" for more        
information.)                                                                   

As Owner of the contract, you exercise all interests and rights under the       
contract. You can change the Owner at any time, subject to our underwriting     
rules (a change of ownership may terminate certain optional riders). The        
contract may be owned generally by Joint Owners (limited to two natural         
persons). We provide more information on this under "Other Information -        
Ownership."                                                                     

All contract provisions will be interpreted and administered in accordance with 
the requirements of the Internal Revenue Code (the "Code"). Any Code references 
to "spouses" include those persons who are married spouses under state law,     
regardless of sex.                                                              

FREQUENT OR LARGE TRANSFERS                                                     

We have policies and procedures that attempt to detect frequent transfers in    
situations where there is potential for pricing inefficiencies and where,       
therefore, the transfers may adversely affect contract Owners and other persons 
who have interests in the contracts. We employ various means to monitor         
transfer activity, such as periodically examining the frequency and size of an  
Owner's transfers into and out of Investment Portfolios that we believe present 
the potential for pricing inefficiencies. Our policies and procedures may       
result in transfer restrictions being applied to deter frequent transfers.      

Large transfers may increase brokerage and administrative costs of the          
Investment Portfolios and may disrupt portfolio management strategy. We do not  
monitor for large transfers except where a portfolio manager of a               

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particular Investment Portfolio has brought large transfer activity to our      
attention, including "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 may impose             
restrictions similar to those described above.                                  

Our policies and procedures on frequent or large transfers are discussed in     
more detail in "Investment Options - Transfers - Restrictions on Frequent       
Transfers" and "Investment Options - Transfers - Restrictions on Large          
Transfers." We may revise these policies and procedures in our sole discretion  
at any time without prior notice.                                               

2. PURCHASE                                                                     

The maximum issue age for the contract and certain of its riders may be reduced 
in connection with the offer of the contract through certain broker dealers     
("selling firms"). In connection with the offer of the contract through certain 
selling firms, minimum issue ages for the contract and certain of its riders    
may also be imposed. You should discuss this with your registered               
representative.                                                                 

We reserve the right to reject any application.                                 

PURCHASE PAYMENTS                                                               

A PURCHASE PAYMENT is the money you give us to invest in the contract. The      
initial Purchase Payment is due on the date the contract is issued. You may     
also be permitted to make subsequent Purchase Payments. Initial and subsequent  
Purchase Payments are subject to certain requirements. These requirements are   
explained below. We may restrict your ability to make subsequent Purchase       
Payments. The manner in which subsequent Purchase Payments may be restricted is 
discussed below.                                                                

GENERAL REQUIREMENTS FOR PURCHASE PAYMENTS. The following requirements apply to 
initial and subsequent Purchase Payments:                                       

o  The minimum initial Purchase Payment we will accept is $5,000. The selling   
    firm to which your account representative is associated requires a minimum
  initial Purchase Payment of $10,000 for contracts that are not purchased
pursuant to an exchange from a life insurance or annuity product. The 
minimum initial Purchase Payment accepted by the selling firm for an  
exchange of a life insurance or annuity product pursuant to Internal  
Revenue Code Section 1035 is $5,000.                                  

o  If you want to make an initial Purchase Payment of $1 million or more, or a  
   subsequent Purchase Payment that would cause your total Purchase Payments
to exceed $1 million, you will need our prior approval.               

o  The minimum subsequent Purchase Payment is $500 unless you have elected an   
electronic funds transfer program approved by us, in which case the   
minimum subsequent Purchase Payment is $100 per month.                

o  You are required to estimate on the application the total Purchase Payments  
you intend to make in the first contract year. This estimate will     
determine the Mortality and Expense charge you pay during the first   
contract year. At the first contract anniversary, the Mortality and   
   Expense charge may be increased if you do not reach your Purchase Payment
 estimate. Also, additional Purchase Payments in excess of your estimate
 and additional Purchase Payments after the first contract year will not
 lower your Mortality and Expense charge. Please see "Expenses - Product
Charges - How to Reduce the Mortality and Expense Charge" for more    
   information. (This requirement does not apply to applications in Oregon.)

o  We will accept a different amount if required by federal tax law.            

o  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.")                                                              

o  We will not accept Purchase Payments made with cash, money orders, or        
travelers checks.                                                     

RESTRICTIONS ON SUBSEQUENT PURCHASE PAYMENTS. We may restrict your ability to   
make subsequent Purchase Payments. We will notify you in advance if we impose   
restrictions on subsequent Purchase Payments. You and your financial            
representative should carefully consider whether our ability to restrict        
subsequent Purchase Payments is consistent with your investment objectives.     

o  We reserve the right to reject any Purchase Payment and to limit future      
 Purchase Payments. This means that we may restrict your ability to make
subsequent                                                            

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 Purchase Payments for any reason, subject to applicable requirements in
  your state. We may make certain exceptions to restrictions on subsequent
Purchase Payments in accordance with our established administrative   
procedures.                                                           

TERMINATION FOR LOW ACCOUNT VALUE                                               

We may terminate your contract by paying you the Account Value in one sum if,   
prior to the Annuity Date, you do not make Purchase Payments for two            
consecutive Contract Years, the total amount of Purchase Payments made, less    
any partial withdrawals, is less than $2,000 or any lower amount required by    
federal tax laws, and the Account Value on or after the end of such two year    
period is less than $2,000. (A CONTRACT YEAR is defined as a one-year period    
starting on the date the contract is issued and on each contract anniversary    
thereafter.) Accordingly, no contract will be terminated due solely to negative 
investment performance. Federal tax law may impose additional restrictions on   
our right to cancel your Traditional IRA, Roth IRA, SEP, SIMPLE IRA or other    
Qualified Contract. We will not terminate the contract if it includes a         
Lifetime Withdrawal Guarantee rider. In addition, we will not terminate any     
contract that includes a Guaranteed Withdrawal Benefit I rider or a guaranteed  
death benefit if at the time the termination would otherwise occur the Benefit  
Base of the Guaranteed Withdrawal Benefit I rider, or the guaranteed amount     
under any death benefit, is greater than the Account Value. For all other       
contracts, we reserve the right to exercise this termination provision, subject 
to obtaining any required regulatory approvals.                                 

ALLOCATION OF PURCHASE PAYMENTS                                                 

When you purchase a contract, we will allocate your Purchase Payment to the     
Fixed Account and/or any of the Investment Portfolios you have selected. You    
may not choose more than 18 Investment Portfolios (including the Fixed Account) 
at the time your initial Purchase Payment is allocated. Each allocation must be 
at least $500 and must be in whole numbers.                                     

We have reserved the right to restrict payments to the Fixed Account if any of  
the following conditions exist:                                                 

o  the credited interest rate on the Fixed Account is equal to the guaranteed   
minimum rate; or                                                      

o  your Account Value in the Fixed Account equals or exceeds our published      
 maximum for Fixed Account allocation (currently, there is no limit); or

o  a transfer was made out of the Fixed Account within the previous 180 days.   

Once we receive your Purchase Payment and the necessary information (or a       
designee receives a payment and the necessary information in accordance with    
the designee's administrative procedures), we will issue your contract and      
allocate your first Purchase Payment within 2 Business Days. A BUSINESS DAY is  
each day that the New York Stock Exchange is open for business. A Business Day  
closes at the close of normal trading on the New York Stock Exchange, usually   
4:00 p.m. Eastern Time. If you do not give us all of the information we need,   
we will contact you to get it before we make any allocation. If for some reason 
we are unable to complete this process within 5 Business Days, we will either   
send back your money or get your permission to keep it until we get all of the  
necessary information. (See "Other Information - Requests and Elections.")      
However, if you allocate Purchase Payments to a discontinued Investment         
Portfolio (see Appendix A), we will request reallocation instructions, or if we 
are unable to obtain such instructions, we will return your Purchase Payment to 
you.                                                                            

If you make additional Purchase Payments, we will allocate them in the same way 
as your first Purchase Payment unless you tell us otherwise. However, if you    
make an additional Purchase Payment while a Dollar Cost Averaging (DCA) program 
is in effect, we will not allocate the additional Purchase Payment to the DCA   
program, unless you tell us to do so. Instead, unless you give us other         
instructions, we will allocate the additional Purchase Payment directly to the  
same destination Investment Portfolios you selected under the DCA program. (See 
"Investment Options - Dollar Cost Averaging Program.") You may change your      
allocation instructions at any time by notifying us in writing, by calling us   
or by Internet. You may not choose more than 18 Investment Portfolios           
(including the Fixed Account) at the time you submit a subsequent Purchase      
Payment. If you wish to allocate the payment to more than 18 Investment         
Portfolios (including the Fixed Account), we must have your request to allocate 
future Purchase Payments to more than 18 Investment Portfolios on record before 
we can apply your subsequent Purchase Payment to your chosen allocation. If     
there are Joint Owners, unless we are instructed to the contrary, we will       
accept allocation instructions from either Joint Owner.                         

FREE LOOK                                                                       

If you change your mind about owning this contract, you can cancel it within 10 
days after receiving it (or the period                                          

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required in your state). We ask that you submit your request to cancel in       
writing, signed by you, to our Annuity Service Center. When you cancel the      
contract within this "free look" period, we will not assess a withdrawal        
charge. Unless otherwise required by state law, you will receive back whatever  
your contract is worth on the day we receive your request. This may be more or  
less than your Purchase Payment depending upon the performance of the           
Investment Portfolios you allocated your Purchase Payment to during the free    
look period. This means that you bear the risk of any decline in the value of   
your contract during the free look period. We do not refund any charges or      
deductions assessed during the free look period. In certain states, we are      
required to give you back your Purchase Payment if you decide to cancel your    
contract during the free look period.                                           

ACCUMULATION UNITS                                                              

The portion of your Account Value allocated to the Separate Account will go up  
or down depending upon the investment performance of the Investment             
Portfolio(s) you choose. In order to keep track of this portion of your Account 
Value, we use a unit of measure we call an ACCUMULATION UNIT. (An Accumulation  
Unit works like a share of a mutual fund.)                                      

Every Business Day as of the close of the New York Stock Exchange (generally    
4:00 p.m. Eastern Time), we determine the value of an Accumulation Unit for     
each of the Investment Portfolios by multiplying the Accumulation Unit value    
for the immediately preceding Business Day by a factor for the current Business 
Day. The factor is determined by:                                               

1)    dividing the net asset value per share of the Investment Portfolio at the 
 end of the current Business Day, plus any dividend or capital gains per
 share declared on behalf of the Investment Portfolio as of that day, by
    the net asset value per share of the Investment Portfolio for the previous
Business Day, and                                                     

2)    multiplying it by one minus the Separate Account product charges          
 (including any rider charge for the Annual Step-Up Death Benefit and/or
  the Additional Death Benefit-Earnings Preservation Benefit) for each day
since the last Business Day and any charges for taxes.                

The value of an Accumulation Unit may go up or down from day to day.            

When you make a Purchase Payment, we credit your contract with Accumulation     
Units. The number of Accumulation Units credited is determined by dividing the  
amount of the Purchase Payment allocated to an Investment Portfolio by the      
value of the Accumulation Unit for that Investment Portfolio.                   

Purchase Payments and transfer requests are credited to a contract on the basis 
of the Accumulation Unit value next determined after receipt of a Purchase      
Payment or transfer request. Purchase Payments or transfer requests received    
before the close of the New York Stock Exchange will be credited to your        
------                                                                          
contract that day, after the New York Stock Exchange closes. Purchase Payments  
or transfer requests received after the close of the New York Stock Exchange,   
-----               
or on a day when the New York Stock Exchange is not open, will be treated as    
received on the next day the New York Stock Exchange is open (the next Business 
Day).                                                                           

EXAMPLE:                                                                        

On Monday we receive an additional Purchase Payment of $5,000 from you    
before 4:00 p.m. Eastern Time. You have told us you want this to go to the
MFS (Reg. TM) Research International Portfolio. When the New York Stock   
Exchange closes on that Monday, we determine that the value of an         
 Accumulation Unit for the MFS (Reg. TM) Research International Portfolio is
$13.90. We then divide $5,000 by $13.90 and credit your contract on Monday
night with 359.71 Accumulation Units for the MFS (Reg. TM) Research       
International Portfolio.                                                  

ACCOUNT VALUE                                                                   

ACCOUNT VALUE is equal to the sum of your interests in the Investment           
Portfolios and the Fixed Account. Your interest in each Investment Portfolio is 
determined by multiplying the number of Accumulation Units for that portfolio   
by the value of the Accumulation Unit.                                          

REPLACEMENT OF CONTRACTS                                                        

EXCHANGE PROGRAMS. From time to time we may offer programs under which certain  
fixed or variable annuity contracts previously issued by us or one of our       
affiliates may be exchanged for the contracts offered by this prospectus.       
Currently, with respect to exchanges from certain of our variable annuity       
contracts to this contract, an existing contract is eligible for exchange if a  
withdrawal from, or surrender of, the contract would not trigger a withdrawal   
charge. The Account Value of this contract                                      

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attributable to the exchanged assets will not be subject to any withdrawal      
charge. Any additional Purchase Payments contributed to the new contract will   
be subject to all fees and charges, including the withdrawal charge described   
in this prospectus. You should carefully consider whether an exchange is        
appropriate for you by comparing the death benefits, living benefits, and other 
guarantees provided by the contract you currently own to the benefits and       
guarantees that would be provided by the new contract offered by this           
prospectus. Then, you should compare the fees and charges (for example, the     
death benefit charges, the living benefit charges, and the mortality and        
expense charge) of your current contract to the fees and charges of the new     
contract, which may be higher than your current contract. The programs we offer 
will be made available on terms and conditions determined by us, and any such   
programs will comply with applicable law. We believe the exchanges will be tax  
free for federal income tax purposes; however, you should consult your tax      
adviser before making any such exchange.                                        

OTHER EXCHANGES. Generally you can exchange one variable annuity contract for   
another in a tax-free exchange under Section 1035 of the Internal Revenue Code. 
Before making an exchange, you should compare both annuities carefully. If you  
exchange another annuity for the one described in this prospectus, unless the   
exchange occurs under one of our exchange programs as described above, you      
might have to pay a surrender charge on your old annuity, and there will be a   
new surrender charge period for this contract. Other charges may be higher (or  
lower) and the benefits may be different. Also, because we will not issue the   
contract until we have received the initial premium from your existing          
insurance company, the issuance of the contract may be delayed. Generally, it   
is not advisable to purchase a contract as a replacement for an existing        
variable annuity contract. Before you exchange another annuity for our          
contract, ask your registered representative whether the exchange would be      
advantageous, given the contract features, benefits and charges.                

OWNING MULTIPLE CONTRACTS                                                       

You may be considering purchasing this contract when you already own a variable 
annuity contract. You should carefully consider whether purchasing an           
additional contract in this situation is appropriate for you by comparing the   
features of the contract you currently own, including the death benefits,       
living benefits, and other guarantees provided by the contract, to the features 
of this contract. You should also compare the fees and charges of your current  
contract to the fees and charges of this contract, which may be higher than     
your current contract. You may also wish to discuss purchasing a contract in    
these circumstances with your registered representative.                        

3. INVESTMENT OPTIONS                                                           

The contract offers 38 INVESTMENT PORTFOLIOS, which are listed below.           
Additional Investment Portfolios may be available in the future.                

YOU SHOULD READ THE PROSPECTUSES FOR THESE FUNDS CAREFULLY. YOU CAN OBTAIN      
COPIES OF THE FUND PROSPECTUSES BY CALLING OR WRITING TO US AT: METLIFE         
INSURANCE COMPANY USA, VARIABLE AND FIXED ANNUITY PRODUCTS, P.O. BOX 10426, DES 
MOINES, IOWA 50306-0426, (888) 556-5412. YOU CAN ALSO OBTAIN INFORMATION ABOUT  
THE FUNDS (INCLUDING A COPY OF THE STATEMENT OF ADDITIONAL INFORMATION) BY      
ACCESSING THE SECURITIES AND EXCHANGE COMMISSION'S WEBSITE AT                   
HTTP://WWW.SEC.GOV. APPENDIX B CONTAINS A SUMMARY OF ADVISERS, SUBADVISERS, AND 
INVESTMENT OBJECTIVES FOR EACH INVESTMENT PORTFOLIO.                            

The investment objectives and policies of certain of the Investment Portfolios  
may be similar to the investment objectives and policies of other mutual funds  
that certain of the Investment Portfolios' investment advisers manage. Although 
the objectives and policies may be similar, the investment results of the       
Investment Portfolios may be higher or lower than the results of such other     
mutual funds. The investment advisers cannot guarantee, and make no             
representation, that the investment results of similar funds will be comparable 
even though the funds may have the same investment advisers.                    

Shares of the Investment Portfolios may be offered to insurance company         
separate accounts of both variable annuity and variable life insurance          
contracts and to qualified plans. Due to differences in tax treatment and other 
considerations, the interests of various Owners participating in, and the       
interests of qualified plans investing in the Investment Portfolios may         
conflict. The Investment Portfolios will monitor events in order to identify    
the existence of any material irreconcilable conflicts and determine what       
action, if any, should be taken in response to any such conflict.               

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CERTAIN PAYMENTS WE RECEIVE WITH REGARD TO THE INVESTMENT PORTFOLIOS. An        
investment adviser (other than our affiliate MetLife Advisers, LLC) or          
subadviser of an Investment Portfolio, or its affiliates, may make payments to  
us 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 our role  
as an intermediary, with respect to the Investment Portfolios. We and our       
affiliates may profit from these payments. These payments may be derived, in    
whole or in part, from the advisory fee deducted from Investment Portfolio      
assets. Contract Owners, through their indirect investment in the Investment    
Portfolios, bear the costs of these advisory fees (see the Investment           
Portfolios' prospectuses for more information). The amount of the payments we   
receive is based on a percentage of assets of the Investment Portfolios         
attributable to the contracts and certain other variable insurance products     
that we and our affiliates issue. These percentages differ and some advisers or 
subadvisers (or their affiliates) may pay us more than others. These            
percentages currently range up to 0.50%.                                        

Additionally, an investment adviser (other than our affiliate MetLife Advisers, 
LLC) or subadviser of an Investment Portfolio or its affiliates may provide us  
with wholesaling services that assist in the distribution of the contracts and  
may pay us 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 its affiliate) with increased access to persons involved in the  
distribution of the contracts.                                                  

We and/or certain of our affiliated insurance companies have joint ownership    
interests in our affiliated investment adviser, MetLife Advisers, LLC, which is 
formed as a "limited liability company." Our ownership interests in MetLife     
Advisers, LLC entitle us to profit distributions if the adviser makes a profit  
with respect to the advisory fees it receives from the Investment Portfolios.   
We will benefit accordingly from assets allocated to the Investment Portfolios  
to the extent they result in profits to the adviser. (See "Fee Tables and       
Examples - Investment Portfolio Expenses" for information on the management     
fees paid by the Investment Portfolios and the Statement of Additional          
Information for the Investment Portfolios for information on the management     
fees paid by the adviser to the subadvisers.)                                   

Certain Investment Portfolios have adopted a Distribution Plan under Rule 12b-1 
of the Investment Company Act of 1940. An Investment Portfolio's 12b-1 Plan, if 
any, is described in more detail in the Investment Portfolio's prospectus. (See 
"Fee Tables and Examples - Investment Portfolio Expenses" and "Distributor.")   
Any payments we receive pursuant to those 12b-1 Plans are paid to us or our     
distributor. Payments under an Investment Portfolio's 12b-1 Plan decrease the   
Investment Portfolio's investment return.                                       

We select the Investment Portfolios 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          
Investment Portfolio's adviser or subadviser is one of our affiliates or        
whether the Investment Portfolio, 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 advised  
by our affiliates than to those that are not, we may be more inclined to offer  
portfolios advised by our affiliates in the variable insurance products we      
issue. We review the Investment Portfolios periodically and may remove an       
Investment Portfolio or limit its availability to new Purchase Payments and/or  
transfers of Account Value if we determine that the Investment Portfolio no     
longer meets one or more of the selection criteria, and/or if the Investment    
Portfolio has not attracted significant allocations from contract Owners. In    
some cases, we have included Investment Portfolios based on recommendations     
made by selling firms. These selling firms may receive payments from the        
Investment Portfolios they recommend (including through inclusion of Investment 
Portfolios in any asset allocation models they develop) and may benefit         
accordingly from the allocation of Account Value to such Investment Portfolios. 

We make certain payments to American Funds Distributors, Inc., principal        
underwriter for the American Funds Insurance Series. (See "Other Information -  
Distributor.")                                                                  

WE DO NOT PROVIDE ANY INVESTMENT ADVICE AND DO NOT RECOMMEND OR ENDORSE ANY     
PARTICULAR                                                                      

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INVESTMENT PORTFOLIO. YOU BEAR THE RISK OF ANY DECLINE IN THE ACCOUNT VALUE OF  
YOUR CONTRACT RESULTING FROM THE PERFORMANCE OF THE INVESTMENT PORTFOLIOS YOU   
HAVE CHOSEN.                                                                    

AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS) (SERIES II)     

AIM Variable Insurance Funds (Invesco Variable Insurance Funds) is a registered 
open-end management investment company with multiple portfolios. Invesco        
Advisers, Inc. is the investment adviser to each portfolio. The following       
Series II portfolios are available under the contract:                          

Invesco V.I. Equity and Income Fund                                   
Invesco V.I. International Growth Fund                                

AMERICAN FUNDS INSURANCE SERIES (Reg. TM) (CLASS 2)                             

American Funds Insurance Series (Reg. TM) is a trust with multiple portfolios.  
Capital Research and Management Company is the investment adviser to each       
portfolio. The following Class 2 portfolios are available under the contract:   

American Funds Bond Fund                                              
American Funds Global Growth Fund                                     
American Funds Global Small Capitalization Fund                       
American Funds Growth-Income Fund                                     

FIDELITY (Reg. TM) VARIABLE INSURANCE PRODUCTS (SERVICE CLASS 2)                

Fidelity (Reg. TM) Variable Insurance Products is a variable insurance product  
fund with multiple portfolios. Fidelity Management & Research Company is the    
investment manager and FMR Co., Inc. serves as subadviser. The following        
Service Class 2 portfolios are available under the contract:                    

Contrafund (Reg. TM) Portfolio                                        
Mid Cap Portfolio                                                     

FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST (CLASS 2)                  

Franklin Templeton Variable Insurance Products Trust consists of multiple       
series (Funds). Funds may be available in multiple classes: Class 1, Class 2,   
Class 3 and Class 4. The portfolios available in connection with your contract  
are Class 2 shares. Franklin Advisers, Inc. is the investment advisor for       
Franklin Income Securities Fund and Templeton Global Bond Securities Fund;      
Franklin Advisory Services, LLC is the investment advisor for Franklin Small    
Cap Value Securities Fund; and Franklin Mutual Advisers, LLC is the investment  
advisor for Mutual Shares Securities Fund. The following Class 2 portfolios are 
available under the contract:                                                   

Franklin Income VIP Fund                                              
(formerly Franklin Income Securities Fund )                   
Franklin Mutual Shares VIP Fund                                       
(formerly Mutual Shares Securities Fund)                      
Franklin Small Cap Value VIP Fund                                     
(formerly Franklin Small Cap Value Securities Fund)           
Templeton Global Bond VIP Fund                                        
(formerly Templeton Global Bond Securities Fund)              

LEGG MASON PARTNERS VARIABLE EQUITY TRUST (CLASS I OR, AS NOTED, CLASS II)      

Legg Mason Partners Variable Equity Trust is a trust with multiple portfolios.  
Legg Mason Partners Fund Advisor, LLC is the investment adviser to each         
portfolio. Legg Mason Partners Fund Advisor, LLC has engaged subadvisers to     
provide investment advice for the individual Investment Portfolios. (See        
Appendix B for the names of the subadvisers.) The following Class I or, as      
noted, Class II portfolios are available under the contract:                    

ClearBridge Variable Aggressive Growth Portfolio                      
ClearBridge Variable Appreciation Portfolio                           
ClearBridge Variable Equity Income Portfolio (Class II)               
ClearBridge Variable Small Cap Growth Portfolio                       

LEGG MASON PARTNERS VARIABLE INCOME TRUST (CLASS I)                             

Legg Mason Partners Variable Income Trust is a trust with multiple portfolios.  
Legg Mason Partners Fund Advisor, LLC is the investment adviser to the          
portfolio listed below. Legg Mason Partners Fund Advisor, LLC has engaged       
subadvisers to provide investment advice for the individual Investment          
Portfolios. (See Appendix B for the names of the subadvisers.) The following    
Class I portfolio is available under the contract:                              

Western Asset Variable Global High Yield Bond Portfolio               

MET INVESTORS SERIES TRUST (CLASS B OR, AS NOTED, CLASS C OR CLASS E)           

Met Investors Series Trust is a mutual fund with multiple portfolios. MetLife   
Advisers, LLC (MetLife Advisers), an affiliate of MetLife USA, is the           
investment manager of Met Investors Series Trust. MetLife Advisers has engaged  
subadvisers to provide investment advice for the individual Investment          
Portfolios. (See Appendix B for the names of the subadvisers.) The following    
Class B or, as noted, Class C or Class E portfolios are available under the     
contract:                                                                       

American Funds (Reg. TM) Growth Portfolio (Class C)                   
BlackRock High Yield Portfolio                                        
Clarion Global Real Estate Portfolio                                  

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Harris Oakmark International Portfolio                                
Invesco Comstock Portfolio                                            
Invesco Mid Cap Value Portfolio                                       
Invesco Small Cap Growth Portfolio                                    
Loomis Sayles Global Markets Portfolio                                
MFS (Reg. TM) Emerging Markets Equity Portfolio                       
MFS (Reg. TM) Research International Portfolio                        
Morgan Stanley Mid Cap Growth Portfolio                               
Pioneer Fund Portfolio                                                
Pioneer Strategic Income Portfolio                                    
T. Rowe Price Large Cap Value Portfolio (Class E)                     

METROPOLITAN SERIES FUND (CLASS B)                                              

Metropolitan Series Fund is a mutual fund with multiple portfolios. MetLife     
Advisers is the investment adviser to the portfolios. MetLife Advisers has      
engaged subadvisers to provide investment advice for the individual Investment  
Portfolios. (See Appendix B for the names of the subadvisers.) The following    
Class B portfolios are available under the contract:                            

BlackRock Bond Income Portfolio                                       
BlackRock Money Market Portfolio                                      
Western Asset Management U.S. Government Portfolio                    

OPPENHEIMER VARIABLE ACCOUNT FUNDS (SERVICE SHARES)                             

Oppenheimer Variable Account Funds is a mutual fund with multiple portfolios.   
OppenheimerFunds, Inc. is the investment adviser to each portfolio. The         
following Service Shares portfolio is available under the contract:             

Oppenheimer Main Street Small Cap Fund (Reg. TM)/VA                   

PIONEER VARIABLE CONTRACTS TRUST (CLASS II)                                     

Pioneer Variable Contracts Trust is a mutual fund with multiple portfolios.     
Pioneer Investment Management, Inc. is the investment adviser to each           
portfolio. The following Class II portfolio is available under the contract:    

Pioneer Mid Cap Value VCT Portfolio                                   

LEGG MASON PARTNERS VARIABLE EQUITY TRUST                                       

In addition to the portfolios listed above under Legg Mason Partners Variable   
Equity Trust, the following portfolios are available under the contract. Legg   
Mason Partners Fund Advisor, LLC is the investment adviser to the portfolios.   
Legg Mason Partners Fund Advisor, LLC has engaged a subadviser to provide       
investment advice for the Investment Portfolios. (See Appendix B for the name   
of the subadviser.)                                                             

Legg Mason Variable Lifestyle Allocation 50%                          
Legg Mason Variable Lifestyle Allocation 85%                          

TRANSFERS                                                                       

GENERAL. You can transfer a portion of your Account Value among the Fixed       
Account and the Investment Portfolios. The contract provides that you can make  
a maximum of 12 transfers every year and that each transfer is made without     
charge. We measure a year from the anniversary of the day we issued your        
contract. We currently allow unlimited transfers but reserve the right to limit 
this in the future. We may also limit transfers in circumstances of frequent or 
large transfers, or other transfers we determine are or would be to the         
disadvantage of other contract Owners. (See "Restrictions on Frequent           
Transfers" and "Restrictions on Large Transfers" below.) We also may be         
required to suspend the right to transfers in certain circumstances (see        
"Access to Your Money - Suspension of Payments or Transfers"). We are not       
currently charging a transfer fee, but we reserve the right to charge such a    
fee in the future. If such a charge were to be imposed, it would be $25 for     
each transfer over 12 in a year. The transfer fee will be deducted from the     
Investment Portfolio or Fixed Account from which the transfer is made. However, 
if the entire interest in an account is being transferred, the transfer fee     
will be deducted from the amount which is transferred.                          

You can make a transfer to or from any Investment Portfolio or the Fixed        
Account, subject to the limitations below. All transfers made on the same       
Business Day will be treated as one transfer. Transfers received before the     
close of trading on the New York Stock Exchange will take effect as of the end  
of the Business Day. The following apply to any transfer:                       

o  Your request for transfer must clearly state which Investment Portfolio(s)   
or the Fixed Account are involved in the transfer.                    

o  Your request for transfer must clearly state how much the transfer is for.   

o  The minimum amount you can transfer is $500 from an Investment Portfolio, or 
  your entire interest in the Investment Portfolio, if less (this does not
apply to pre-scheduled transfer programs).                            

o  The minimum amount that may be transferred from the Fixed Account is $500,   
or your entire interest in the                                        

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   Fixed Account. Transfers out of the Fixed Account during the Accumulation
    Phase are limited to the greater of: (a) 25% of the Fixed Account value at
  the beginning of the Contract Year, or (b) the amount transferred out of
the Fixed Account in the prior Contract Year. Currently we are not    
   imposing these restrictions on transfers out of the Fixed Account, but we
   have the right to reimpose them at any time. You should be aware that, if
  transfer restrictions are imposed, it may take a while (even if you make
 no additional Purchase Payments or transfers into the Fixed Account) to
make a complete transfer of your Account Value from the Fixed Account.
 When deciding whether to invest in the Fixed Account it is important to
consider whether the transfer restrictions fit your risk tolerance and
time horizon.                                                         

o  You may not make a transfer to more than 18 Investment Portfolios (including 
   the Fixed Account) at any time if the request is made by telephone to our
  voice response system or by Internet. A request to transfer to more than
18 Investment Portfolios (including the Fixed Account) may be made by 
calling or writing our Annuity Service Center.                        

During the Accumulation Phase, to the extent permitted by applicable law,       
during times of drastic economic or market conditions, we may suspend the       
transfer privilege temporarily without notice and treat transfer requests based 
on their separate components (a redemption order with simultaneous request for  
purchase of another Investment Portfolio). In such a case, the redemption order 
would be processed at the source Investment Portfolio's next determined         
Accumulation Unit value. However, the purchase of the new Investment Portfolio  
would be effective at the next determined Accumulation Unit value for the new   
Investment Portfolio only after we receive the proceeds from the source         
Investment Portfolio, or we otherwise receive cash on behalf of the source      
Investment Portfolio.                                                           

For transfers during the Accumulation Phase, we have reserved the right to      
restrict transfers to the Fixed Account if any one of the following conditions  
exist:                                                                          

o  the credited interest rate on the Fixed Account is equal to the guaranteed   
minimum rate; or                                                      

o  your Account Value in the Fixed Account equals or exceeds our published      
 maximum for Fixed Account allocation (currently, there is no limit); or

o  a transfer was made out of the Fixed Account within the previous 180 days.   

During the Income Phase, you cannot make transfers from a fixed Annuity Payment 
option to the Investment Portfolios. You can, however, make transfers during    
the Income Phase from the Investment Portfolios to a fixed Annuity Payment      
option and among the Investment Portfolios.                                     

TRANSFERS BY TELEPHONE OR OTHER MEANS. You may elect to make transfers by       
telephone, Internet or other means acceptable to us. To elect this option, you  
must first provide us with a notice or agreement in a form that we may require. 
If you own the contract with a Joint Owner, unless we are instructed otherwise, 
we will accept instructions from either you or the other Owner. (See "Other     
Information - Requests and Elections.")                                         

All transfers made on the same day will be treated as one transfer. A transfer  
will be made as of the end of the Business Day when we receive a notice         
containing all the required information necessary to process the request. We    
will consider telephone and Internet requests received after the close of the   
New York Stock Exchange (generally 4:00 p.m. Eastern Time), or on a day when    
the New York Stock Exchange is not open, to be received on the next day the New 
York Stock Exchange is open (the next Business Day).                            

PRE-SCHEDULED TRANSFER PROGRAM. There are certain programs that involve         
transfers that are pre-scheduled. When a transfer is made as a result of such a 
program, we do not count the transfer in determining the applicability of any   
transfer fee and certain minimums do not apply. The current pre-scheduled       
transfers are made in conjunction with the following: Dollar Cost Averaging and 
Automatic Rebalancing Programs.                                                 

RESTRICTIONS ON FREQUENT TRANSFERS. Frequent requests from contract Owners to   
transfer Account Value may dilute the value of an Investment Portfolio'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 portfolio and the reflection of that change in the portfolio's      
share price ("arbitrage trading"). Frequent transfers involving arbitrage       
trading may adversely affect the long-term performance of the Investment        
Portfolios, which may in turn adversely affect contract Owners and other        
persons who may have an interest in the contracts (E.G., Annuitants and         
Beneficiaries).                                                                 

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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 Investment Portfolios (i.e., the       
Invesco V.I. International Growth Fund, the American Funds Global Growth Fund,  
the American Funds Global Small Capitalization Fund, the Franklin Small Cap     
Value VIP Fund, the Templeton Global Bond VIP Fund, the ClearBridge Variable    
Small Cap Growth Portfolio, the Western Asset Variable Global High Yield Bond   
Portfolio, the BlackRock High Yield Portfolio, the Clarion Global Real Estate   
Portfolio, the Harris Oakmark International Portfolio, the Invesco Small Cap    
Growth Portfolio, the Loomis Sayles Global Markets Portfolio, the MFS (Reg. TM) 
Emerging Markets Equity Portfolio, the MFS (Reg. TM) Research International     
Portfolio, the Pioneer Strategic Income Portfolio, and the Oppenheimer Main     
Street Small Cap Fund (Reg. TM)/VA), and we monitor transfer activity in those  
portfolios (the "Monitored Portfolios"). In addition, as described below, we    
treat all American Funds Insurance Series (Reg. TM) portfolios ("American Funds 
portfolios") as Monitored Portfolios. 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 category of    
international, small-cap, and high-yield portfolios, in a 12-month period there 
were: (1) six or more transfers involving the given category; (2) cumulative    
gross transfers involving the given category that exceed the current Account    
Value; and (3) two or more "round-trips" involving the given category. A        
round-trip generally is defined as a transfer in followed by a transfer out     
within the next seven calendar days or a transfer out followed by a transfer in 
within the next seven calendar days, in either case subject to certain other    
criteria. WE DO NOT BELIEVE THAT OTHER INVESTMENT PORTFOLIOS PRESENT A          
SIGNIFICANT OPPORTUNITY TO ENGAGE IN ARBITRAGE TRADING AND THEREFORE DO NOT     
MONITOR TRANSFER ACTIVITY IN THOSE PORTFOLIOS. 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 requires us to treat all American Funds portfolios as Monitored           
Portfolios under our current frequent transfer policies and procedures.         
Further, American Funds 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 monitoring policy will result in a written notice of violation;  
each additional violation will result in the imposition of a six-month          
restriction, during which period we will require all transfer requests to or    
from an American Funds portfolio to be submitted with an original signature.    
Further, as Monitored Portfolios, all American Funds portfolios also will be    
subject to our current frequent transfer policies, procedures and restrictions  
(described below), and transfer restrictions may be imposed upon a violation of 
either 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 require       
future transfer requests to or from any Monitored Portfolios under that         
contract to be submitted with an original signature. A first occurrence will    
result in the imposition of this restriction for a six month period; a second   
occurrence will result in the permanent imposition of the restriction.          
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      
Investment Portfolios 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 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 Owners and other        
persons with interests in the contracts. We do not accommodate frequent         
transfers in any Investment Portfolio 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.      

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The Investment Portfolios may have adopted their own policies and procedures    
with respect to frequent transfers in their respective shares, and we reserve   
the right to enforce these policies and procedures. For example, Investment     
Portfolios may assess a redemption fee (which we reserve the right to collect)  
on shares held for a relatively short period. The prospectuses for the          
Investment Portfolios 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 Investment        
Portfolios, we have entered into a written agreement, as required by SEC        
regulation, with each Investment Portfolio or its principal underwriter that    
obligates us to provide to the Investment Portfolio promptly upon request       
certain information about the trading activity of individual contract Owners,   
and to execute instructions from the Investment Portfolio to restrict or        
prohibit further purchases or transfers by specific contract Owners who violate 
the frequent transfer policies established by the Investment Portfolio.         

In addition, contract Owners and other persons with interests in the contracts  
should be aware that the purchase and redemption orders received by the         
Investment Portfolios 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 Owners of variable insurance contracts and/or individual retirement  
plan participants. The omnibus nature of these orders may limit the Investment  
Portfolios 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 Investment Portfolios (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 Investment Portfolios. If an Investment 
Portfolio believes that an omnibus order reflects one or more transfer requests 
from contract Owners engaged in frequent trading, the Investment Portfolio 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 shares of any of the Investment Portfolios, 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 Investment Portfolio prospectuses for more details.         

RESTRICTIONS ON LARGE TRANSFERS. Large transfers may increase brokerage and     
administrative costs of the Investment Portfolios and may disrupt portfolio     
management strategy, requiring an Investment Portfolio 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 Investment       
Portfolios except where the portfolio manager of a particular Investment        
Portfolio 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 may impose          
restrictions similar to those described above where future transfer requests    
from that third party must be submitted in writing with an original signature.  
A first occurrence will result in the imposition of this restriction for a      
six-month period; a second occurrence will result in the permanent imposition   
of the restriction.                                                             

DOLLAR COST AVERAGING PROGRAM                                                   

We offer a dollar cost averaging (DCA) program as described below. By           
allocating amounts on a regular schedule as opposed to allocating the total     
amount at one particular time, you may be less susceptible to the impact of     
market fluctuations. The dollar cost averaging program is available only during 
the Accumulation Phase.                                                         

We reserve the right to modify, terminate or suspend the dollar cost averaging  
program. There is no additional charge for participating in the dollar cost     
averaging program. If you participate in the dollar cost averaging program, the 
transfers made under the program are not taken into account in determining any  
transfer fee. We may, from time to time, offer other dollar cost averaging      
programs which have terms different from those described in this prospectus. We 
will terminate your participation in a                                          

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dollar cost averaging program when we receive notification of your death.       

The DCA program allows you to systematically transfer a set amount each month   
from the Fixed Account or from a money market Investment Portfolio to any of    
the other available Investment Portfolio(s) you select. We provide certain      
exceptions from our normal Fixed Account restrictions to accommodate the dollar 
cost averaging program. These transfers are made on a date you select or, if    
you do not select a date, on the date that a Purchase Payment or Account Value  
is allocated to the DCA program. However, transfers will be made on the 1st day 
of the following month for Purchase Payments or Account Value allocated to the  
dollar cost averaging program on the 29th, 30th, or 31st day of a month.        

If you make an additional Purchase Payment while a DCA program is in effect, we 
will not allocate the additional payment to the DCA program unless you tell us  
to do so. Instead, unless you previously provided different allocation          
instructions for future Purchase Payments or provide new allocation             
instructions with the payment, we will allocate the additional Purchase Payment 
directly to the same destination Investment Portfolios you selected under the   
DCA program. Any Purchase Payments received after the DCA program has ended     
will be allocated as described in "Purchase - Allocation of Purchase Payments." 
If you allocate an additional Purchase Payment to your existing DCA program,    
the DCA transfer amount will not be increased; however, the number of months    
over which transfers are made is increased, unless otherwise elected in         
writing. You can terminate the program at any time, at which point transfers    
under the program will stop.                                                    

AUTOMATIC REBALANCING PROGRAM                                                   

Once your money has been allocated to the Investment Portfolios, the            
performance of each portfolio may cause your allocation to shift. You can       
direct us to automatically rebalance your contract to return to your original   
percentage allocations by selecting our Automatic Rebalancing Program. You can  
tell us whether to rebalance monthly, quarterly, semi-annually or annually.     

An automatic rebalancing program is intended to transfer Account Value from     
those portfolios that have increased in value to those that have declined or    
not increased as much in value. Over time, this method of investing may help    
you "buy low and sell high," although there can be no assurance that this       
objective will be achieved. Automatic rebalancing does not guarantee profits,   
nor does it assure that you will not have losses.                               

We will measure the rebalancing periods from the anniversary of the date we     
issued your contract. If a dollar cost averaging program is in effect,          
rebalancing allocations will be based on your current DCA allocations. If you   
are not participating in a dollar cost averaging program, we will make          
allocations based upon your current Purchase Payment allocations, unless you    
tell us otherwise.                                                              

The Automatic Rebalancing Program is available only during the Accumulation     
Phase. There is no additional charge for participating in the Automatic         
Rebalancing Program. If you participate in the Automatic Rebalancing Program,   
the transfers made under the program are not taken into account in determining  
any transfer fee. We will terminate your participation in the Automatic         
Rebalancing Program when we receive notification of your death.                 

EXAMPLE:                                                                        

Assume that you want your initial Purchase Payment split between two      
Investment Portfolios. You want 40% to be in the Western Asset Management 
U.S. Government Portfolio and 60% to be in the Invesco Small Cap Growth   
Portfolio. Over the next 2 1/2 months the bond market does very well while
the stock market performs poorly. At the end of the first quarter, the    
Western Asset Management U.S. Government Portfolio now represents 50% of  
your holdings because of its increase in value. If you have chosen to have
your holdings rebalanced quarterly, on the first day of the next quarter, 
we will sell some of your units in the Western Asset Management U.S.      
Government Portfolio to bring its value back to 40% and use the money to  
buy more units in the Invesco Small Cap Growth Portfolio to increase those
holdings to 60%.                                                          

ASSET ALLOCATION MODELS                                                         

We or an affiliate may contract with third parties to develop asset allocation  
models for investment options available under the contracts which we then make  
available to broker-dealers offering the contracts for use with their           
customers. Each asset allocation model is made up of a selection of Investment  
Portfolios; the asset allocation models themselves are not registered           
investment companies. Asset allocation, in general, is an investment strategy   
intended to optimize the selection of investment options for a given level of   
risk tolerance, in order to attempt to                                          

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maximize returns and limit the effects of market volatility. Asset allocation   
strategies reflect the theory that diversification among asset classes can help 
reduce volatility and potentially enhance returns over the long term. Although  
asset allocation models are designed to maximize investment returns and reduce  
volatility for a given level of risk, there is no guarantee that a model will   
not lose money or experience volatility. A model may fail to perform as         
intended, or may perform worse than any single Investment Portfolio, asset      
class or different combination of investment options. In addition, a model is   
subject to all of the risks associated with its underlying Investment           
Portfolios.                                                                     

The selling firm with which your financial representative is associated makes   
the asset allocation models available to its registered representatives for use 
with customers. Your representative can assist you in selecting a model and     
which Investment Portfolios to use to implement the model. It is up to you and  
your representative, however, to decide if you want to allocate your Account    
Value in accordance with an asset allocation model; the use of such models is   
not required. Once you select a model and the Investment Portfolio allocations, 
these selections will remain unchanged until you elect to revise the Investment 
Portfolio allocations, select a new model or both. If you also participate in   
the Automatic Rebalancing Program, the allocations you have selected in your    
model will be applied under the terms of that program. (See "Investment Options 
- Automatic Rebalancing Program.") Transfers made under the program are not     
taken into account in determining any transfer fee.                             

Asset allocation models provided to selling firms may change from time to time  
to reflect current market conditions. Accordingly, you may wish to consult your 
representative or selling firm periodically to assess whether reallocating your 
Account Value in accordance with an updated model may be appropriate. There is  
no fee currently charged to change to a different model or for a change to the  
Investment Portfolio allocations. Unless you or your registered representative  
(or selling firm) initiates a change, your current allocation will continue in  
effect.                                                                         

The asset allocation models are not offered by this prospectus and are not part 
of your contract. They are offered by selling firms solely as a separate        
service at no additional charge to you, to help you select investment options.  

VOTING RIGHTS                                                                   

We are the legal owner of the Investment Portfolio shares. However, we believe  
that when an Investment Portfolio solicits proxies in conjunction with a vote   
of shareholders, we are required to obtain from you and other affected Owners   
instructions as to how to vote those shares. When we receive those              
instructions, we will vote all of the shares we own in proportion to those      
instructions. This will also include any shares that we own on our own behalf.  
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 the shares in our own    
right.                                                                          

SUBSTITUTION OF INVESTMENT OPTIONS                                              

If investment in the Investment Portfolios or a particular Investment Portfolio 
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 Investment Portfolio or Investment Portfolios without your consent. The 
substituted Investment Portfolio 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 Securities and Exchange      
Commission and applicable state insurance departments. Furthermore, we may      
close Investment Portfolios to allocation of Purchase Payments or Account       
Value, or both, at any time in our sole discretion.                             

4. EXPENSES                                                                     

There are charges and other expenses associated with the contract that reduce   
the return on your investment in the contract. These charges and expenses are:  

PRODUCT CHARGES                                                                 

SEPARATE ACCOUNT PRODUCT CHARGES. Each day, we make a deduction for our         
Separate Account product charges (which consist of the mortality and expense    
charge, the administration charge and the charges related to any death benefit  
riders). We do this as part of our calculation of the value of the Accumulation 
Units and the Annuity Units (I.E., during the Accumulation Phase and the Income 

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Phase-although death benefit charges no longer continue in the Income Phase).   

MORTALITY AND EXPENSE CHARGE. We assess a daily mortality and expense charge    
that is equal, on an annual basis, to a maximum of 1.20% of the average daily   
net asset value of each Investment Portfolio. This charge may be reduced based  
on the amount of your initial Purchase Payment or, as described below, the      
total amount of Purchase Payments made in the first Contract Year, as shown in  
the following table. (These reductions do not apply to contracts issued in      
                ----------------------------------------------------
Oregon. In Oregon, the Mortality and Expense Charge is always 1.20%.)           
------                                                                          

                                                                [Download Table]
                                                  
   Estimated/Total                                
  Purchase Payments             Mortality and     
      in First Contract Year    Expense Charge    
------------------------------  ------------------
$0 - 99,999                     1.20%             
$100,000 - 249,999              1.05%             
$250,000 - 499,999              0.95%             
$500,000 or more                0.80%             

This charge compensates us for mortality risks we assume for the Annuity        
Payment and death benefit guarantees made under the contract. These guarantees  
include making Annuity Payments that will not change based on our actual        
mortality experience, and providing a guaranteed minimum death benefit under    
the contract. The charge also compensates us for expense risks we assume to     
cover contract maintenance expenses. These expenses may include issuing         
contracts, maintaining records, making and maintaining subaccounts available    
under the contract and performing accounting, regulatory compliance, and        
reporting functions. This charge also compensates us for costs associated with  
the establishment and administration of the contract, including programs like   
transfers and dollar cost averaging. If the mortality and expense charge is     
inadequate to cover the actual expenses of mortality, maintenance, and          
administration, we will bear the loss. If the charge exceeds the actual         
expenses, we will add the excess to our profit and it may be used to finance    
distribution expenses or for any other purpose.                                 

HOW TO REDUCE THE MORTALITY AND EXPENSE CHARGE. If you anticipate making        
significant amounts of Purchase Payments after the initial Purchase Payment but 
during the first Contract Year, you may be able to lower the mortality and      
expense charge assessed by indicating to us on the application the total amount 
of Purchase Payments you intend to make during the first Contract Year. We will 
assess the daily mortality and expense charge during the first Contract Year    
based on the total amount of Purchase Payments you have indicated you intend to 
make during the first Contract Year. You are not obligated to reach your        
Purchase Payment goal. If you do not reach your Purchase Payment goal, at the   
first contract anniversary the mortality and expense charge will be adjusted to 
reflect the amount of Purchase Payments actually made during the first Contract 
Year as set forth in the table above, and the adjusted mortality and expense    
charge will remain in effect for the duration of your contract. We will not     
adjust the charge on a retroactive basis to recover any amount of the mortality 
and expense charge assessed during the first Contract Year.                     

IT IS IMPORTANT TO UNDERSTAND THAT ADDITIONAL PURCHASE PAYMENTS MADE AFTER THE  
FIRST CONTRACT YEAR WILL NOT LOWER YOUR MORTALITY AND EXPENSE CHARGE.           
FURTHERMORE, WHILE WE MAY INCREASE YOUR MORTALITY AND EXPENSE CHARGE IF YOU DO  
NOT REACH YOUR PURCHASE PAYMENT GOAL, WE WILL NOT LOWER THE CHARGE IF YOUR      
ACTUAL PURCHASE PAYMENTS EXCEED THE AMOUNT YOU INDICATED. THEREFORE, YOU SHOULD 
CAREFULLY CONSIDER THE AMOUNT OF PURCHASE PAYMENTS YOU INTEND TO MAKE DURING    
THE FIRST CONTRACT YEAR AND ENTER THAT AMOUNT ON YOUR APPLICATION. BY           
UNDERESTIMATING THE AMOUNT OF YOUR PURCHASE PAYMENTS DURING THE FIRST CONTRACT  
YEAR, YOU MAY PAY A HIGHER MORTALITY AND EXPENSE CHARGE FOR THE DURATION OF     
YOUR CONTRACT THAN IF YOU ACCURATELY ESTIMATE THE AMOUNT OF YOUR PURCHASE       
PAYMENTS DURING THE FIRST CONTRACT YEAR.                                        

If you elect to apply your Account Value to an annuity option (see "Annuity     
Payments (The Income Phase)") prior to the first contract anniversary and you   
have not reached your Purchase Payment goal, the mortality and expense charge   
applied during the Income Phase will be increased to the charge that            
corresponds to the total Purchase Payments received prior to the Annuity Date.  

ADMINISTRATION CHARGE. This charge is equal, on an annual basis, to 0.15% of    
the average daily net asset value of each Investment Portfolio. This charge,    
together with the account fee (see below), is for the expenses associated with  
the administration of the contract. Some of these expenses are: issuing         
contracts, maintaining records, providing accounting, valuation, regulatory and 
reporting services, as                                                          

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well as expenses associated with marketing, sale and distribution of the        
contracts.                                                                      

DEATH BENEFIT RIDER CHARGES. If you select one of the following death benefit   
riders, we will deduct a charge that compensates us for the costs and risks we  
assume in providing the benefit. This charge (assessed during the Accumulation  
Phase) is equal, on an annual basis, to the percentages below of the average    
daily net asset value of each Investment Portfolio:                             

                                                                [Download Table]
                                             
    Annual Step-Up Death Benefit        0.15%

    Additional Death Benefit -               
      Earnings                               
Preservation Benefit                    0.25%

ACCOUNT FEE                                                                   

During the Accumulation Phase, every Contract Year on your contract anniversary 
(the anniversary of the date when your contract was issued), we will deduct $30 
from your contract as an account fee for the prior Contract Year if the Account 
Value is less than $50,000. If you make a complete withdrawal from your         
contract, the full account fee will be deducted from the Account Value          
regardless of the amount of your Account Value. During the Accumulation Phase,  
the account fee is deducted pro rata from the Investment Portfolios. This       
charge is for administrative expenses (see above). This charge cannot be        
increased.                                                                      

A pro rata portion of the charge will be deducted from the Account Value on the 
Annuity Date if this date is other than a contract anniversary. If your Account 
Value on the Annuity Date is at least $50,000, then we will not deduct the      
account fee. After the Annuity Date, the charge will be collected monthly out   
of the Annuity Payment, regardless of the size of your contract.                

LIFETIME WITHDRAWAL GUARANTEE AND GUARANTEED WITHDRAWAL BENEFIT - RIDER CHARGE  

There are two optional guaranteed withdrawal benefits under the contract: the   
Lifetime Withdrawal Guarantee rider and the Guaranteed Withdrawal Benefit I     
rider (GWB I). The Lifetime Withdrawal Guarantee rider is currently available   
for purchase in all states. The GWB I is not available for purchase. If you     
elect either rider, a charge is deducted from your Account Value during the     
Accumulation Phase on each contract anniversary.                                

The Lifetime Withdrawal Guarantee and GWB I rider charges are deducted from     
your Account Value pro rata from each Investment Portfolio and the Fixed        
Account in the ratio each portfolio/account bears to your total Account Value.  
We take amounts from the investment options that are part of the Separate       
Account by canceling Accumulation Units from the Separate Account. If you make  
a full withdrawal (surrender) of your Account Value, you apply your Account     
Value to an Annuity Option, there is a change in Owners, Joint Owners or        
Annuitants (if the Owner is a non-natural person), or the contract terminates   
(except for a termination due to death), a pro rata portion of the rider charge 
will be assessed based on the number of full months from the last contract      
anniversary to the date of the change. If the Lifetime Withdrawal Guarantee     
rider is terminated because of the death of the Owner or Joint Owner (or the    
Annuitant, if a non-natural person owns the contract) or is terminated pursuant 
to the cancellation provisions of each rider, no rider charge will be assessed  
based on the period from the contract anniversary to the date the termination   
takes effect.                                                                   

If the Lifetime Withdrawal Guarantee rider is in effect, the Lifetime           
Withdrawal Guarantee rider charge will continue even if your Remaining          
Guaranteed Withdrawal Amount (see "Living Benefits - Guaranteed Withdrawal      
Benefits - Description of the Lifetime Withdrawal Guarantee") equals zero.      
If there are insufficient funds to deduct the Lifetime Withdrawal Guarantee     
rider charge from the Account Value, whatever Account Value is available will   
be applied to pay the rider charge, and you are still eligible to receive either
the Remaining Guaranteed Withdrawal Amount or lifetime payments, provided the   
provisions and conditions of the rider have been met; however, you will have no 
other benefits under the contract. If the GWB I rider is in effect, the GWB I   
rider charge will not continue if your Benefit Base (see "Living Benefits -     
Guaranteed Withdrawal Benefits - Description of GWB I") equals zero.            

LIFETIME WITHDRAWAL GUARANTEE -  CURRENT RIDER CHARGES                          

For contracts issued in all states, the current charge for the Lifetime         
Withdrawal Guarantee rider is equal to 1.40% (Single Life version) or 1.55%     
(Joint Life version) of the Total Guaranteed Withdrawal Amount (see "Living     
Benefits - Guaranteed Withdrawal Benefits - Description of the Lifetime         
Withdrawal Guarantee") on the applicable contract anniversary, after applying   
any Compounding Income Amount and prior to taking into account any Automatic    
Annual Step-Up occurring on such contract anniversary.                          

If an Automatic Annual Step-Up occurs under the Lifetime Withdrawal Guarantee,  
we may increase the Lifetime Withdrawal Guarantee rider charge applicable       
beginning                                                                       

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after the contract anniversary on which the Automatic Annual Step-Up occurs to  
the rider charge that would be applicable to current contract purchases of the  
same rider at the time of the step-up, but to no more than a maximum of 1.60%   
(Single Life version) or 1.80% (Joint Life version) of the Total Guaranteed     
Withdrawal Amount. (See below for information on rider charges for previously   
issued contracts.)                                                              

LIFETIME WITHDRAWAL GUARANTEE - PREVIOUSLY ISSUED CONTRACTS - ALL STATES        
EXCEPT NEVADA AND OREGON                                                        

Contracts based on applications received after May 1, 2009 and by July 15,      
--------------------------------------------------------------------------      
2011: For contracts issued based on applications and necessary information      
----                                                                            
received at our Annuity Service Center in Good Order after the close of the New 
York Stock Exchange on May 1, 2009 and before the close of the New York Stock   
Exchange on July 15, 2011, the charge for the Lifetime Withdrawal Guarantee     
rider is equal to 1.10% (Single Life version) or 1.25% (Joint Life version) of  
the Total Guaranteed Withdrawal Amount on the applicable contract anniversary,  
after applying any Compounding Income Amount and prior to taking into account   
any Automatic Annual Step-Up occurring on such contract anniversary. For these  
contracts, the maximum Lifetime Withdrawal Guarantee rider charges are 1.10%    
(Single Life version) or 1.50% (Joint Life version) of the Total Guaranteed     
Withdrawal Amount.                                                              

Contracts based on applications received on or before May 1, 2009: For          
-----------------------------------------------------------------               
contracts issued based on applications and necessary information received at    
our Annuity Service Center in Good Order before the close of the New York Stock 
Exchange on May 1, 2009, the charge for the Lifetime Withdrawal Guarantee rider 
is equal to 0.65% (Single Life version) or 0.85% (Joint Life version) of the    
Total Guaranteed Withdrawal Amount on the applicable contract anniversary,      
after applying any Compounding Income Amount and prior to taking into account   
any Automatic Annual Step-Up occurring on such contract anniversary. For these  
contracts, the maximum Lifetime Withdrawal Guarantee rider charges are 0.95%    
(Single Life version) or 1.40% (Joint Life version) of the Total Guaranteed     
Withdrawal Amount. If your Total Guaranteed Withdrawal Amount is increased due  
to an Automatic Annual Step-Up on a contract anniversary occurring on July 1,   
2012 or later, we currently will increase the rider charge for the Single Life  
version to 0.95% of the Total Guaranteed Withdrawal Amount, and we will         
increase the rider charge for the Joint Life version to 1.20% of the Total      
Guaranteed Withdrawal Amount.                                                   

LIFETIME WITHDRAWAL GUARANTEE - PREVIOUSLY ISSUED CONTRACTS - NEVADA            

Contracts issued in Nevada based on applications received after May 1, 2009 and 
------------------------------------------------------------------------------- 
by November 8, 2013: For contracts issued in Nevada based on applications and   
-------------------                                                             
necessary information received at our Annuity Service Center in Good Order      
after the close of the New York Stock Exchange on May 1, 2009 and before the    
close of the New York Stock Exchange on November 8, 2013, the charge for the    
Lifetime Withdrawal Guarantee rider is equal to 1.10% (Single Life version) or  
1.25% (Joint Life version) of the Total Guaranteed Withdrawal Amount on the     
applicable contract anniversary, after applying any Compounding Income Amount   
and prior to taking into account any Automatic Annual Step-Up occurring on such 
contract anniversary. For these contracts, the maximum Lifetime Withdrawal      
Guarantee rider charges are 1.10% (Single Life version) or 1.50% (Joint Life    
version) of the Total Guaranteed Withdrawal Amount. If, at the time your        
contract was issued, the rider charge was equal to the maximum rider charge,    
that rider charge will not increase upon an Automatic Annual Step-Up.           

Contracts issued in Nevada based on applications received on or before May 1,   
-----------------------------------------------------------------------------   
2009: For contracts issued in Nevada based on applications and necessary        
----                                                                            
information received at our Annuity Service Center in Good Order before the     
close of the New York Stock Exchange on May 1, 2009, the charge for the         
Lifetime Withdrawal Guarantee rider is equal to 0.65% (Single Life version) or  
0.85% (Joint Life version) of the Total Guaranteed Withdrawal Amount on the     
applicable contract anniversary, after applying any Compounding Income Amount   
and prior to taking into account any Automatic Annual Step-Up occurring on such 
contract anniversary. For these contracts, the maximum Lifetime Withdrawal      
Guarantee rider charges are 0.95% (Single Life version) or 1.40% (Joint Life    
version) of the Total Guaranteed Withdrawal Amount. If your Total Guaranteed    
Withdrawal Amount is increased due to an Automatic Annual Step-Up on a contract 
anniversary occurring on July 1, 2012 or later, we currently will increase the  
rider charge for the Single Life version to 0.95% of the Total Guaranteed       
Withdrawal Amount, and we will increase the rider charge for the Joint Life     
version to 1.20% of the Total Guaranteed Withdrawal Amount                      

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LIFETIME WITHDRAWAL GUARANTEE - PREVIOUSLY ISSUED CONTRACTS - OREGON            

Contracts issued in Oregon based on applications received on or before November 
------------------------------------------------------------------------------- 
9, 2012: For contracts issued in Oregon based on applications and necessary     
-------                                                                         
information received at our Annuity Service Center in Good Order before the     
close of the New York Stock Exchange on November 9, 2012, the charge for the    
Lifetime Withdrawal Guarantee rider is equal to 0.65% (Single Life version) or  
0.85% (Joint Life version) of the Total Guaranteed Withdrawal Amount on the     
applicable contract anniversary, after applying any Compounding Income Amount   
and prior to taking into account any Automatic Annual Step-Up occurring on such 
contract anniversary. For these contracts, the maximum Lifetime Withdrawal      
Guarantee rider charges are 0.70% (Single Life version) or 0.90% (Joint Life    
version) of the Total Guaranteed Withdrawal Amount.                             

GUARANTEED WITHDRAWAL BENEFIT I - ALL STATES                                    

The charge for the GWB I rider is equal to 0.25% of the Guaranteed Withdrawal   
Amount (see "Living Benefits - Guaranteed Withdrawal Benefits - Description of  
GWB I") on the applicable contract anniversary.                                 

WITHDRAWAL CHARGE                                                               

We impose a withdrawal charge to reimburse us for contract sales expenses,      
including commissions and other distribution, promotion, and acquisition        
expenses. During the Accumulation Phase, you can make a withdrawal from your    
contract (either a partial or a complete withdrawal). If the amount you         
withdraw is determined to include the withdrawal of any of your prior Purchase  
Payments, a withdrawal charge is assessed against each Purchase Payment         
withdrawn. To determine what portion (if any) of a withdrawal is subject to a   
withdrawal charge, amounts are withdrawn from your contract in the following    
order:                                                                          

1.    Earnings in your contract (earnings are equal to your Account Value, less 
Purchase Payments not previously withdrawn); then                     

2.    The free withdrawal amount described below (deducted from Purchase        
Payments not previously withdrawn, in the order such Purchase Payments
 were made, with the oldest Purchase Payment first, as described below);
then                                                                  

3.    Purchase Payments not previously withdrawn, in the order such Purchase    
  Payments were made: the oldest Purchase Payment first, the next Purchase
Payment second, etc. until all Purchase Payments have been withdrawn. 

The withdrawal charge is calculated at the time of each withdrawal in           
accordance with the following:                                                  

                                                                [Download Table]

 Number of Complete Years from       Withdrawal Charge   
  Receipt of Purchase Payment     (% of Purchase Payment)
------------------------------   ------------------------
                                                         
  0                                         8            

  1                                         8            
  2                                         7            
  3                                         6            
  4                                         5            
  5                                         4            
  6                                         3            
  7                                         2            
  8 and thereafter                          0            

For a partial withdrawal, the withdrawal charge is deducted from the remaining  
Account Value, if sufficient. If the remaining Account Value is not sufficient, 
the withdrawal charge is deducted from the amount withdrawn.                    

If the Account Value is smaller than the total of all Purchase Payments, the    
withdrawal charge only applies up to the Account Value.                         

We do not assess the withdrawal charge on any payments paid out as Annuity      
Payments or as death benefits. In addition, we will not assess the withdrawal   
charge on required minimum distributions from Qualified Contracts in order to   
satisfy federal income tax rules or to avoid required federal income tax        
penalties. This exception only applies to amounts required to be distributed    
from this contract. We do not assess the withdrawal charge on earnings in your  
contract.                                                                       

NOTE: For tax purposes, earnings from Non-Qualified Contracts are considered to 
come out first.                                                                 

FREE WITHDRAWAL AMOUNT. The free withdrawal amount for each Contract Year after 
the first (there is no free withdrawal amount in the first Contract Year) is    
equal to 10% of your total Purchase Payments, less the total free withdrawal    
amount previously withdrawn in the same Contract Year. Also, we currently will  
not assess the                                                                  

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withdrawal charge on amounts withdrawn during the first Contract Year under the 
Systematic Withdrawal Program. Any unused free withdrawal amount in one         
Contract Year does not carry over to the next Contract Year.                    

REDUCTION OR ELIMINATION OF THE WITHDRAWAL CHARGE                               

GENERAL. We may elect to reduce or eliminate the amount of the withdrawal       
charge when the contract is sold under circumstances which reduce our sales     
expenses. Some examples are: if there is a large group of individuals that will 
be purchasing the contract, or if a prospective purchaser already had a         
relationship with us.                                                           

NURSING HOME OR HOSPITAL CONFINEMENT RIDER. We will not impose a withdrawal     
charge if, after you have owned the contract for one year, you or your Joint    
Owner becomes confined to a nursing home and/or hospital for at least 90        
consecutive days or confined for a total of at least 90 days if there is no     
more than a 6-month break in confinement and the confinements are for related   
causes. The confinement must begin after the first contract anniversary and you 
must have been the Owner continuously since the contract was issued (or have    
become the Owner as the spousal Beneficiary who continues the contract). The    
confinement must be prescribed by a physician and be medically necessary. You   
must exercise this right no later than 90 days after you or your Joint Owner    
exits the nursing home or hospital. This waiver terminates on the Annuity Date. 
We will not accept additional payments once this waiver is used. There is no    
charge for this rider. This rider is not available in Massachusetts. This rider 
is also not available for contracts issued in South Dakota based on             
applications and necessary information received in Good Order at our Annuity    
Service Center after the close of the New York Stock Exchange on December 31,   
2012.                                                                           

TERMINAL ILLNESS RIDER. After the first contract anniversary, we will waive the 
withdrawal charge if you or your Joint Owner are terminally ill and not         
expected to live more than 12 months; a physician certifies to your illness and 
life expectancy; you were not diagnosed with the terminal illness as of the     
date we issued your contract; and you have been the Owner continuously since    
the contract was issued (or have become the Owner as the spousal Beneficiary    
who continues the contract). This waiver terminates on the Annuity Date. We     
will not accept additional payments once this waiver is used. There is no       
charge for this rider. This rider is not available in Massachusetts.            

The Nursing Home or Hospital Confinement rider and the Terminal Illness rider   
are only available for Owners who are age 80 or younger (on the contract issue  
date). Additional conditions and requirements apply to the Nursing Home or      
Hospital Confinement rider and the Terminal Illness rider. They are specified   
in the rider(s) that are part of your contract.                                 

PREMIUM AND OTHER TAXES                                                         

We reserve the right to deduct from Purchase Payments, Account Value,           
withdrawals, death benefits or Annuity Payments any taxes relating to the       
contracts (including, but not limited to, premium taxes) paid by us to any      
government entity. Examples of these taxes include, but are not limited to,     
premium tax, generation-skipping transfer tax or a similar excise tax under     
federal or state tax law which is imposed on payments we make to certain        
persons and income tax withholdings on withdrawals and income payments to the   
extent required by law. Premium taxes generally range from 0 to 3.5%, depending 
on the state. We will, at our sole discretion, determine when taxes relate to   
the contracts. We may, at our sole discretion, pay taxes when due and deduct    
that amount from the Account Value at a later date. Payment at an earlier date  
does not waive any right we may have to deduct amounts at a later date. It is   
our current practice not to charge premium taxes until Annuity Payments begin.  

TRANSFER FEE                                                                    

We currently allow unlimited transfers without charge during the Accumulation   
Phase. However, we have reserved the right to limit the number of transfers to  
a maximum of 12 per year without charge and to charge a transfer fee of $25 for 
each transfer greater than 12 in any year. We are currently waiving the         
transfer fee, but reserve the right to charge it in the future. The transfer    
fee is deducted from the Investment Portfolio or the fixed account from which   
the                                                                             

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transfer is made. However, if the entire interest in an account is being        
transferred, the transfer fee will be deducted from the amount which is         
transferred.                                                                    

If the transfer is part of a pre-scheduled transfer program, it will not count  
in determining the transfer fee.                                                

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.                    

INVESTMENT PORTFOLIO EXPENSES                                                   

There are deductions from and expenses paid out of the assets of each           
Investment Portfolio, which are described in the fee table in this prospectus   
and the Investment Portfolio prospectuses. These deductions and expenses are    
not charges under the terms of the contract, but are represented in the share   
values of each Investment Portfolio.                                            

5.  ANNUITY PAYMENTS                                                            

(THE INCOME PHASE)                                              

ANNUITY DATE                                                                    

Under the contract you can receive regular income payments (referred to as      
ANNUITY PAYMENTS). You can choose the month and year in which those payments    
begin. We call that date the ANNUITY DATE. Your Annuity Date must be the first  
day of a calendar month and must be at least 30 days after we issue the         
contract.                                                                       

When you purchase the contract, the Annuity Date will be the later of the first 
day of the calendar month after the Annuitant's 90th birthday or 10 years from  
the date your contract was issued. You can change or extend the Annuity Date at 
any time before the Annuity Date with 30 days prior notice to us (subject to    
restrictions that may apply in your state, restrictions imposed by your selling 
firm, and our current established administrative procedures).                   

PLEASE BE AWARE THAT ONCE YOUR CONTRACT IS ANNUITIZED, YOU ARE INELIGIBLE TO    
RECEIVE THE DEATH BENEFIT YOU HAVE SELECTED. ADDITIONALLY, IF YOU HAVE SELECTED 
THE GUARANTEED WITHDRAWAL BENEFIT I OR LIFETIME WITHDRAWAL GUARANTEE RIDER,     
ANNUITIZING YOUR CONTRACT TERMINATES THE RIDER, INCLUDING ANY DEATH BENEFIT     
PROVIDED BY THE RIDER AND ANY GUARANTEED PRINCIPAL ADJUSTMENT (FOR THE LIFETIME 
WITHDRAWAL GUARANTEE RIDER) THAT MAY ALSO BE PROVIDED BY THE RIDER.             

ANNUITY PAYMENTS                                                                

You (unless another payee is named) will receive the Annuity Payments during    
the Income Phase. The Annuitant is the natural person(s) whose life we look to  
in the determination of Annuity Payments.                                       

During the Income Phase, you have the same investment choices you had just      
before the start of the Income Phase. At the Annuity Date, you can choose       
whether payments will be:                                                       

o  fixed Annuity Payments, or                                                   

o  variable Annuity Payments, or                                                

o  a combination of both.                                                       

If you don't tell us otherwise, your Annuity Payments will be based on the      
investment allocations that were in place just before the start of the Income   
Phase.                                                                          

If you choose to have any portion of your Annuity Payments based on the         
Investment Portfolio(s), the dollar amount of your initial payment will vary    
and will depend upon three things:                                              

1)    the value of your contract in the Investment Portfolio(s) just before the 
start of the Income Phase,                                            

2)    the assumed investment return (AIR) (you select) used in the annuity      
table for the contract, and                                           

3)    the Annuity Option elected.                                               

Subsequent variable Annuity Payments will vary with the performance of the      
Investment Portfolios you selected. (For more information, see "Variable        
Annuity Payments" below.)                                                       

At the time you choose an Annuity Option, you select the AIR, which must be     
acceptable to us. Currently, you can select an AIR of 3% or 4%. You can change  
the AIR with 30 days notice to us prior to the Annuity Date. If you do not      
select an AIR, we will use 3%. If the actual performance exceeds the AIR, your  
variable Annuity Payments will increase. Similarly, if the actual investment    
performance is less than the AIR, your variable Annuity Payments will decrease. 

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Your variable Annuity Payment is based on ANNUITY UNITS. An Annuity Unit is an  
accounting device used to calculate the dollar amount of Annuity Payments. (For 
more information, see "Variable Annuity Payments" below.)                       

When selecting an AIR, you should keep in mind that a lower AIR will result in  
a lower initial variable Annuity Payment, but subsequent variable Annuity       
Payments will increase more rapidly or decline more slowly as changes occur in  
the investment experience of the Investment Portfolios. On the other hand, a    
higher AIR will result in a higher initial variable Annuity Payment than a      
lower AIR, but later variable Annuity Payments will rise more slowly or fall    
more rapidly.                                                                   

A transfer during the Income Phase from a variable Annuity Payment option to a  
fixed Annuity Payment option may result in a reduction in the amount of Annuity 
Payments. (You cannot, however, make transfers from a fixed Annuity Payment     
option to the Investment Portfolios.)                                           

If you choose to have any portion of your Annuity Payments be a fixed Annuity   
Payment, the dollar amount of each fixed Annuity Payment will not change,       
unless you make a transfer from a variable Annuity Payment option to the fixed  
Annuity Payment that causes the fixed Annuity Payment to increase. Please refer 
to the "Annuity Provisions" section of the Statement of Additional Information  
for more information.                                                           

Annuity Payments are made monthly (or at any frequency permitted under the      
contract) unless you have less than $5,000 to apply toward an Annuity Option.   
In that case, we may provide your Annuity Payment in a single lump sum instead  
of Annuity Payments. Likewise, if your Annuity Payments would be or become less 
than $100 a month, we have the right to change the frequency of payments so     
that your Annuity Payments are at least $100.                                   

ANNUITY OPTIONS                                                                 

You can choose among income plans. We call those ANNUITY OPTIONS. You can       
change your Annuity Option at any time before the Annuity Date with 30 days     
notice to us.                                                                   

If you do not choose an Annuity Option, Option 2, which provides a life annuity 
with 10 years of guaranteed Annuity Payments, will automatically be applied.    

You can choose one of the following Annuity Options or any other Annuity Option 
acceptable to us. After Annuity Payments begin, you cannot change the Annuity   
Option.                                                                         

If more than one frequency is permitted under your contract, choosing less      
frequent payments will result in each Annuity Payment being larger. Annuity     
options that guarantee that payments will be made for a certain number of years 
regardless of whether the Annuitant or joint Annuitant are alive (such as       
Options 2 and 4 below) result in Annuity Payments that are smaller than Annuity 
Options without such a guarantee (such as Options 1 and 3 below). For Annuity   
Options with a designated period, choosing a shorter designated period will     
result in each Annuity Payment being larger.                                    

OPTION 1. LIFE ANNUITY. Under this option, we will make Annuity Payments so     
long as the Annuitant is alive. We stop making Annuity Payments after the       
Annuitant's death. It is possible under this option to receive only one Annuity 
Payment if the Annuitant dies before the due date of the second payment or to   
receive only two Annuity Payments if the Annuitant dies before the due date of  
the third payment, and so on.                                                   

OPTION 2. LIFE ANNUITY WITH 10 YEARS OF ANNUITY PAYMENTS GUARANTEED. Under this 
option, we will make Annuity Payments so long as the Annuitant is alive. If,    
when the Annuitant dies, we have made Annuity Payments for less than ten years, 
we will then continue to make Annuity Payments to the Beneficiary for the rest  
of the 10 year period.                                                          

OPTION 3. JOINT AND LAST SURVIVOR ANNUITY. Under this option, we will make      
Annuity Payments so long as the Annuitant and a second person (joint Annuitant) 
are both alive. When either Annuitant dies, we will continue to make Annuity    
Payments, so long as the survivor continues to live. We will stop making        
Annuity Payments after the last survivor's death.                               

OPTION 4. JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEARS OF ANNUITY PAYMENTS     
GUARANTEED. Under this option, we will make Annuity Payments so long as the     
Annuitant and a second person (joint Annuitant) are both alive. When either     
Annuitant dies, we will continue to make Annuity Payments, so long as the       
survivor continues to live. If, at the last death of the Annuitant and the      
joint Annuitant, we have made Annuity Payments for less than ten years, we will 
then continue to make Annuity Payments to the Beneficiary for the rest of the   
10 year period.                                                                 

OPTION 5. PAYMENTS FOR A DESIGNATED PERIOD. We currently offer an Annuity       
Option under which fixed or variable monthly Annuity Payments are made for a    
selected number of years as approved by us, currently not less than             

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10 years. This Annuity Option may be limited or withdrawn by us in our          
discretion.                                                                     

We may require proof of age or sex of an Annuitant before making any Annuity    
Payments under the contract that are measured by the Annuitant's life. If the   
age or sex of the Annuitant has been misstated, the amount payable will be the  
amount that the Account Value would have provided at the correct age or sex.    
Once Annuity Payments have begun, any underpayments will be made up in one sum  
with the next Annuity Payment. Any overpayments will be deducted from future    
Annuity Payments until the total is repaid.                                     

You may withdraw the commuted value of the payments remaining under the         
variable Payments for a Designated Period Annuity Option (Option 5). You may    
not commute the fixed Payments for a Designated Period Annuity Option or any    
option involving a life contingency, whether fixed or variable, prior to the    
death of the last surviving Annuitant. Upon the death of the last surviving     
Annuitant, the Beneficiary may choose to continue receiving income payments or  
to receive the commuted value of the remaining guaranteed payments. For         
variable Annuity Options, the calculation of the commuted value will be done    
using the AIR applicable to the contract. (See "Annuity Payments" above.) For   
fixed Annuity Options, the calculation of the commuted value will be done using 
the then current Annuity Option rates.                                          

There may be tax consequences resulting from the election of an Annuity Payment 
option containing a commutation feature (I.E., an Annuity Payment option that   
permits the withdrawal of a commuted value). (See "Federal Income Tax Status.") 

Due to underwriting, administrative or Internal Revenue Code considerations,    
there may be limitations on payments to the survivor under Options 3 and 4      
and/or the duration of the guarantee period under Options 2, 4, and 5.          

Tax rules with respect to decedent contracts may prohibit the election of Joint 
and Last Survivor Annuity Options (or income types) and may also prohibit       
payments for as long as the Owner's life in certain circumstances.              

In addition to the Annuity Options described above, we may offer an additional  
payment option that would allow your Beneficiary to take distribution of the    
Account Value over a period not extending beyond his or her life expectancy.    
Under this option, annual distributions would not be made in the form of an     
annuity, but would be calculated in a manner similar to the calculation of      
required minimum distributions from IRAs. (See "Federal Income Tax Status.") We 
intend to make this payment option available to both Qualified Contracts and    
Non-Qualified Contracts.                                                        

In the event that you purchased the contract as a Qualified Contract, you must  
take distribution of the Account Value in accordance with the minimum required  
distribution rules set forth in applicable tax law. (See "Federal Income Tax    
Status.") Under certain circumstances, you may satisfy those requirements by    
electing an Annuity Option. You may choose any death benefit available under    
the contract, but certain other contract provisions and programs will not be    
available. Upon your death, if Annuity Payments have already begun, the death   
benefit would be required to be distributed to your Beneficiary at least as     
rapidly as under the method of distribution in effect at the time of your       
death.                                                                          

VARIABLE ANNUITY PAYMENTS                                                       

The Adjusted Contract Value (the Account Value, less any applicable premium     
taxes, account fee, and any prorated rider charge) is determined on the annuity 
calculation date, which is a Business Day no more than five (5) Business Days   
before the Annuity Date. The first variable Annuity Payment will be based upon  
the Adjusted Contract Value, the Annuity Option elected, the Annuitant's age,   
the Annuitant's sex (where permitted by law), and the appropriate variable      
Annuity Option table. Your annuity rates will not be less than those guaranteed 
in your contract at the time of purchase for the assumed investment return and  
Annuity Option elected. If, as of the annuity calculation date, the then        
current variable Annuity Option rates applicable to this class of contracts     
provide a first Annuity Payment greater than that which is guaranteed under the 
same Annuity Option under this contract, the greater payment will be made.      

The dollar amount of variable Annuity Payments after the first payment is       
determined as follows:                                                          

o  The dollar amount of the first variable Annuity Payment is divided by the    
 value of an Annuity Unit for each applicable Investment Portfolio as of
    the annuity calculation date. This establishes the number of Annuity Units
for each payment. The number of Annuity Units for each applicable     
Investment Portfolio remains fixed during the annuity period, provided
   that transfers among the Investment Portfolios will be made by converting
the number of Annuity Units being transferred to the number of Annuity
Units of the Investment Portfolio to which the transfer is made, and  

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the number of Annuity Units will be adjusted for transfers to a fixed 
Annuity Option. Please see the Statement of Additional Information for
details about making transfers during the Annuity Phase.              

o  The fixed number of Annuity Units per payment in each Investment Portfolio   
   is multiplied by the Annuity Unit value for that Investment Portfolio for
  the Business Day for which the Annuity Payment is being calculated. This
   result is the dollar amount of the payment for each applicable Investment
    Portfolio, less any account fee. The account fee will be deducted pro rata
out of each Annuity Payment.                                          

o  The total dollar amount of each variable Annuity Payment is the sum of all   
Investment Portfolio variable Annuity Payments.                       

ANNUITY UNIT. The initial Annuity Unit value for each Investment Portfolio of   
the Separate Account was set by us. The subsequent Annuity Unit value for each  
Investment Portfolio is determined by multiplying the Annuity Unit value for    
the immediately preceding Business Day by the net investment factor (see the    
Statement of Additional Information for a definition) for the Investment        
Portfolio for the current Business Day and multiplying the result by a factor   
for each day since the last Business Day which represents the daily equivalent  
of the AIR you elected.                                                         

FIXED ANNUITY PAYMENTS                                                          

The Adjusted Contract Value (defined above under "Variable Annuity Payments")   
on the day immediately preceding the Annuity Date will be used to determine a   
fixed Annuity Payment. The Annuity Payment will be based upon the Annuity       
Option elected, the Annuitant's age, the Annuitant's sex (where permitted by    
law), and the appropriate Annuity Option table. Your annuity rates will not be  
less than those guaranteed in your contract at the time of purchase. If, as of  
the annuity calculation date, the then current Annuity Option rates applicable  
to this class of contracts provide an Annuity Payment greater than that which   
is guaranteed under the same Annuity Option under this contract, the greater    
payment will be made. You may not make a transfer from the fixed Annuity Option 
to the variable Annuity Option.                                                 

6. ACCESS TO YOUR MONEY                                                         

You (or in the case of a death benefit, your Beneficiary) can have access to    
the money in your contract:                                                     

(1)    by making a withdrawal (either a partial or a complete withdrawal);      

(2)    by electing to receive Annuity Payments; or                              

(3)    when a death benefit is paid to your Beneficiary.                        

Under most circumstances, withdrawals can only be made during the Accumulation  
Phase.                                                                          

You may establish a withdrawal plan under which you can receive substantially   
equal periodic payments in order to comply with the requirements of Sections    
72(q) or (t) of the Code. Premature modification or termination of such         
payments may result in substantial penalty taxes. (See "Federal Income Tax      
Status.")                                                                       

When you make a complete withdrawal, you will receive the withdrawal value of   
the contract. The withdrawal value of the contract is the Account Value of the  
contract at the end of the Business Day when we receive a written request for a 
withdrawal:                                                                     

o  less any applicable withdrawal charge;                                       

o  less any premium or other tax;                                               

o  less any account fee; and                                                    

o  less any applicable pro rata GWB rider charge.                               

Unless you instruct us otherwise, any partial withdrawal will be made pro rata  
from the Fixed Account and the Investment Portfolio(s) you selected. Under most 
circumstances the amount of any partial withdrawal must be for at least $500,   
or your entire interest in the Investment Portfolio or Fixed Account. We        
require that after a partial withdrawal is made you keep at least $2,000 in the 
contract. If the withdrawal would result in the Account Value being less than   
$2,000 after a partial withdrawal, we will treat the withdrawal request as a    
request for a full withdrawal.                                                  

We will pay the amount of any withdrawal from the Separate Account within seven 
days of when we receive the request in Good Order unless the suspension of      
payments or transfers provision is in effect. We may withhold payment of        
withdrawal 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 the contract Owner's 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                                                                          

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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.                                                                

How to withdraw all or part of your Account Value:                              

o  You must submit a request to our Annuity Service Center. (See "Other         
Information - Requests and Elections.")                               

o  If you would like to have the withdrawal charge waived under the Nursing     
    Home or Hospital Confinement Rider or the Terminal Illness Rider, you must
    provide satisfactory evidence of confinement to a nursing home or hospital
or terminal illness. (See "Expenses - Reduction or Elimination of the 
Withdrawal Charge.")                                                  

o  You must state in your request whether you would like to apply the proceeds  
    to a payment option (otherwise you will receive the proceeds in a lump sum
and may be taxed on them).                                            

o  We have to receive your withdrawal request in our Annuity Service Center     
prior to the Annuity Date or Owner's death.                           

There are limits to the amount you can withdraw from certain qualified plans    
including Qualified and TSA plans. (See "Federal Income Tax Status.")           

INCOME TAXES, TAX PENALTIES AND CERTAIN RESTRICTIONS MAY APPLY TO ANY           
WITHDRAWAL YOU MAKE.                                                            

DIVORCE. A withdrawal made pursuant to a divorce or separation instrument is    
subject to the same withdrawal charge provisions as described in "Expenses -    
Withdrawal Charge," if permissible under tax law. In addition, the withdrawal   
will reduce the Account Value, the death benefit, and the amount of any         
optional living or death benefit (including the benefit base we use to          
determine the guaranteed amount of the benefit). The amount withdrawn could     
exceed the maximum amount that can be withdrawn without causing a proportionate 
reduction in the benefit base used to calculate the guaranteed amount provided  
by an optional rider, as described in the "Living Benefits" section. The        
withdrawal could have a significant negative impact on the death benefit and on 
any optional rider benefit.                                                     

SYSTEMATIC WITHDRAWAL PROGRAM                                                   

You may elect the Systematic Withdrawal Program at any time. We do not assess a 
charge for this program. This program provides an automatic payment to you of   
up to 10% of your total Purchase Payments each year. You can receive payments   
monthly or quarterly provided that each payment must amount to at least $100    
(unless we consent otherwise). We reserve the right to change the required      
minimum systematic withdrawal amount. If the New York Stock Exchange is closed  
on a day when the withdrawal is to be made, we will process the withdrawal on   
the next Business Day. While the Systematic Withdrawal Program is in effect you 
can make additional withdrawals. However, such withdrawals plus the systematic  
withdrawals will be considered when determining the applicability of any        
withdrawal charge. (For a discussion of the withdrawal charge, see "Expenses"   
above.)                                                                         

We will terminate your participation in the Systematic Withdrawal Program when  
we receive notification of your death.                                          

INCOME TAXES, TAX PENALTIES AND CERTAIN RESTRICTIONS MAY APPLY TO SYSTEMATIC    
WITHDRAWALS.                                                                    

SUSPENSION OF PAYMENTS OR TRANSFERS                                             

We may be required to suspend or postpone payments for withdrawals or transfers 
for any period when:                                                            

o  the New York Stock Exchange is closed (other than customary weekend and      
holiday closings);                                                    

o  trading on the New York Stock Exchange is restricted;                        

o  an emergency exists, as determined by the Securities and Exchange            
Commission, as a result of which disposal of shares of the Investment 
    Portfolios is not reasonably practicable or we cannot reasonably value the
shares of the Investment Portfolios; or                               

o  during any other period when the Securities and Exchange Commission, by      
order, so permits for the protection of Owners.                       

We have reserved the right to defer payment for a withdrawal or transfer from   
the Fixed Account for the period permitted by law, but not for more than six    
months.                                                                         

Federal laws designed to counter terrorism and prevent money laundering might,  
in certain circumstances, require                                               

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us to block an Owner's ability to make certain transactions and thereby refuse  
to accept any requests 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.                                                       

7. LIVING BENEFITS                                                              

GUARANTEED WITHDRAWAL BENEFITS                                                  

There are two optional guaranteed withdrawal benefit (GWB) riders under this    
contract:                                                                       

o  the Lifetime Withdrawal Guarantee                                            

o  the Guaranteed Withdrawal Benefit I (GWB I)                                  

The Lifetime Withdrawal Guarantee is currently available for purchase in all    
states. The GWB I is not available for purchase. There may be versions of each  
rider that vary by issue date and state availability. In addition, a version of 
a rider may become available (or unavailable) in different states at different  
times. Please check with your registered representative regarding which         
version(s) are available in your state. If you have already been issued a       
contract, please check your contract and riders for the specific provisions     
applicable to you.                                                              

If you purchase a guaranteed withdrawal benefit rider, you must elect one       
version at the time you purchase the contract, prior to age 81. Once elected, a 
guaranteed withdrawal benefit rider cannot be terminated, except as stated      
below in the description of each rider.                                         

Each guaranteed withdrawal benefit rider guarantees that the entire amount of   
Purchase Payments you make during the period of time specified in your rider    
will be returned to you through a series of withdrawals which you may begin     
taking immediately or at a later time, provided withdrawals in any Contract     
Year do not exceed the maximum amount allowed. This means that, regardless of   
negative investment performance, you can take specified annual withdrawals      
until the entire amount of the Purchase Payments you made during the time       
period specified in your rider has been returned to you. Moreover, if you make  
your first withdrawal on or after the date you reach age 59 1/2, the Lifetime   
Withdrawal Guarantee rider guarantees income for your life (and the life of     
your spouse, if the Joint Life version of the rider was elected, and your       
spouse elects to continue the contract and is at least age 59 1/2 at            
continuation), even after the entire amount of Purchase Payments has been       
returned. (See "Description of the Lifetime Withdrawal Guarantee" below and     
section A of Appendix D.)                                                       

THE RIDER GUARANTEES MAY BE REDUCED IF YOUR ANNUAL WITHDRAWALS ARE GREATER THAN 
THE MAXIMUM AMOUNT ALLOWED, CALLED THE ANNUAL BENEFIT PAYMENT, WHICH IS         
DESCRIBED IN MORE DETAIL BELOW. The guaranteed withdrawal benefit riders do not 
establish or guarantee an Account Value or minimum return for any Investment    
Portfolio. The Total Guaranteed Withdrawal Amount and the Remaining Guaranteed  
Withdrawal Amount (both as described below) under the Lifetime Withdrawal       
Guarantee, and the Benefit Base (as described below) under the GWB I, cannot be 
taken as a lump sum. (However, if you cancel the Lifetime Withdrawal Guarantee  
rider after a waiting period of at least fifteen years, the Guaranteed          
Principal Adjustment will increase your Account Value to the Purchase Payments  
credited within the first 120 days of the date that we issue the contract,      
reduced proportionately for any withdrawals. See "Description of the Lifetime   
Withdrawal Guarantee - Cancellation and Guaranteed Principal Adjustment" below.)
Income taxes andpenalties may apply to your withdrawals, and withdrawal charges 
may apply to withdrawals during the first Contract Year unless you take the     
necessary steps to elect such withdrawals under a Systematic Withdrawal Program.
Withdrawal charges will also apply to withdrawals of Purchase Payments that     
exceed the free withdrawal amount. (See "Expenses - Withdrawal Charge.") The    
withdrawal charge is deducted from the Remaining Guaranteed Withdrawal Amount or
the Benefit Base.                                                               

IF IN ANY CONTRACT YEAR YOU TAKE CUMULATIVE WITHDRAWALS THAT EXCEED THE ANNUAL  
BENEFIT PAYMENT, THE TOTAL PAYMENTS THAT THE GUARANTEED WITHDRAWAL BENEFIT      
RIDERS GUARANTEE THAT YOU OR YOUR BENEFICIARY WILL RECEIVE FROM THE CONTRACT    
OVER TIME MAY BE LESS THAN THE INITIAL TOTAL GUARANTEED WITHDRAWAL AMOUNT FOR   
THE LIFETIME WITHDRAWAL GUARANTEE OR THE INITIAL GUARANTEED WITHDRAWAL AMOUNT   
FOR GWB I. THIS REDUCTION MAY BE SIGNIFICANT AND MEANS THAT RETURN OF YOUR      
PURCHASE PAYMENTS MAY BE LOST. THE RIDER CHARGE WILL CONTINUE TO BE DEDUCTED    
AND CALCULATED BASED ON THE TOTAL GUARANTEED WITHDRAWAL AMOUNT FOR THE LIFETIME 
WITHDRAWAL GUARANTEE, OR THE GUARANTEED WITHDRAWAL                              

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AMOUNT FOR GWB I, UNTIL TERMINATION OF THE RIDER (EXCEPT AS DESCRIBED BELOW FOR 
THE GWB I RIDER CHARGE WHEN THE BENEFIT BASE EQUALS ZERO).                      

o  IF THE LIFETIME WITHDRAWAL GUARANTEE IS IN EFFECT, THE TOTAL GUARANTEED      
   WITHDRAWAL AMOUNT WILL NOT DECREASE DUE TO WITHDRAWALS THAT DO NOT EXCEED
  THE MAXIMUM AMOUNT ALLOWED IN ANY CONTRACT YEAR. WITHDRAWALS THAT EXCEED
THE MAXIMUM AMOUNT ALLOWED IN ANY CONTRACT YEAR MAY DECREASE THE TOTAL
GUARANTEED WITHDRAWAL AMOUNT.                                         

o  IF THE GWB I RIDER IS IN EFFECT, THE GUARANTEED WITHDRAWAL AMOUNT WILL NOT   
DECREASE DUE TO WITHDRAWALS.                                          

IF THE LIFETIME WITHDRAWAL GUARANTEE IS IN EFFECT, WE WILL CONTINUE TO ASSESS   
THE LIFETIME WITHDRAWAL GUARANTEE RIDER CHARGE EVEN IN THE CASE WHERE YOUR      
REMAINING GUARANTEED WITHDRAWAL AMOUNT, AS DESCRIBED BELOW, EQUALS ZERO.        
HOWEVER, IF THE GWB I RIDER IS IN EFFECT, WE WILL NOT CONTINUE TO ASSESS THE    
GWB RIDER CHARGE IF YOUR BENEFIT BASE, AS DESCRIBED BELOW, EQUALS ZERO.         

WITHDRAWAL CHARGE. We will apply a withdrawal charge to withdrawals from        
Purchase Payments of up to 8% of Purchase Payments taken in the first eight     
years following receipt of the applicable Purchase Payment. (See "Expenses -    
Withdrawal Charge - Free Withdrawal Amount" and "Access to Your Money -         
Systematic Withdrawal Program.")                                                

TAXES. Withdrawals of taxable amounts will be subject to ordinary income tax    
and, if made prior to age 59 1/2, a 10% federal tax penalty may apply.          

TAX TREATMENT. THE TAX TREATMENT OF WITHDRAWALS UNDER THE GWB RIDER IS          
UNCERTAIN. IT IS CONCEIVABLE THAT THE AMOUNT OF POTENTIAL GAIN COULD BE         
DETERMINED BASED ON THE REMAINING GUARANTEED WITHDRAWAL AMOUNT (FOR THE         
LIFETIME WITHDRAWAL GUARANTEE) OR THE BENEFIT BASE (FOR GWB I) AT THE TIME OF   
THE WITHDRAWAL, IF THE REMAINING GURANTEED WITHDRAWAL AMOUNT (FOR THE LIFETIME  
WITHDRAWAL GUARANTEE) OR THE BENEFIT BASE (FOR GWB I) IS GREATER THAN THE       
ACCOUNT VALUE (PRIOR TO WITHDRAWAL CHARGES). THIS COULD RESULT IN A GREATER     
AMOUNT OF TAXABLE INCOME REPORTED UNDER A WITHDRAWAL AND CONCEIVABLY A LIMITED  
ABILITY TO RECOVER ANY REMAINING BASIS IF THERE IS A LOSS ON SURRENDER OF THE   
CONTRACT. CONSULT YOUR TAX ADVISER PRIOR TO PURCHASE.                           

LIFETIME WITHDRAWAL GUARANTEE, GWB I, AND DECEDENT CONTRACTS. If you are        
purchasing this contract with a nontaxable transfer of the death benefit        
proceeds of any annuity contract or IRA (or any other tax-qualified             
arrangement) of which you were the Beneficiary and you are "stretching" the     
distributions under the IRS required distribution rules, you may not purchase   
the Lifetime Withdrawal Guarantee rider.                                        

If you are purchasing this contract with a nontaxable transfer of the death     
benefit proceeds of any Non-Qualified annuity contract of which you were the    
Beneficiary and you are "stretching" the distributions under the IRS required   
distribution rules, you may not purchase the GWB I rider.                       

(See Appendix D for examples of the guaranteed withdrawal benefit riders.)      

DESCRIPTION OF THE LIFETIME WITHDRAWAL GUARANTEE                                

The Lifetime Withdrawal Guarantee rider is an optional rider. In considering    
whether to purchase the Lifetime Withdrawal Guarantee rider, you must consider  
your desire for protection and the cost of the rider with the possibility that  
had you not purchased the rider, your Account Value may be higher. In           
considering the benefit of lifetime withdrawals, you should consider the impact 
of inflation. Even relatively low levels of inflation may have a significant    
effect on purchasing power. The Automatic Annual Step-Up, as described below,   
may provide protection against inflation, if and when there are strong          
investment returns. As with any guaranteed withdrawal benefit rider, the        
Lifetime Withdrawal Guarantee rider, however, does not assure that you will     
receive strong, let alone any, return on your investments.                      

TOTAL GUARANTEED WITHDRAWAL AMOUNT. The TOTAL GUARANTEED WITHDRAWAL AMOUNT is   
the minimum amount that you are guaranteed to receive over time while the       
Lifetime Withdrawal Guarantee rider is in effect. We assess the Lifetime        
Withdrawal Guarantee rider charge as a percentage of the Total Guaranteed       
Withdrawal Amount. The initial Total Guaranteed Withdrawal Amount is equal to   
your initial Purchase Payment. The Total Guaranteed Withdrawal Amount is        
increased (up to a maximum of $5,000,000) by additional Purchase Payments.      
Withdrawals that do not exceed the Annual Benefit                               

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Payment (see "Annual Benefit Payment" below) do not reduce the Total Guaranteed 
Withdrawal Amount. We refer to this type of withdrawal as a Non-Excess          
Withdrawal. IF, HOWEVER, YOU TAKE A WITHDRAWAL THAT RESULTS IN CUMULATIVE       
WITHDRAWALS FOR THE CURRENT CONTRACT YEAR THAT EXCEED THE ANNUAL BENEFIT        
PAYMENT (AN "EXCESS WITHDRAWAL"), THEN WE WILL REDUCE THE TOTAL GUARANTEED      
WITHDRAWAL AMOUNT BY AN AMOUNT EQUAL TO THE DIFFERENCE BETWEEN THE TOTAL        
GUARANTEED WITHDRAWAL AMOUNT AFTER THE WITHDRAWAL AND THE ACCOUNT VALUE AFTER   
THE WITHDRAWAL (IF SUCH ACCOUNT VALUE IS LOWER THAN THE TOTAL GUARANTEED        
WITHDRAWAL AMOUNT). THIS REDUCTION MAY BE SIGNIFICANT. (SEE "MANAGING YOUR      
WITHDRAWALS" BELOW.) Limiting your cumulative withdrawals during a Contract     
Year to not more than the Annual Benefit Payment will result in                 
dollar-for-dollar treatment of withdrawals.                                     

REMAINING GUARANTEED WITHDRAWAL AMOUNT. The REMAINING GUARANTEED WITHDRAWAL     
AMOUNT is the remaining amount guaranteed to be received over time. The initial 
Remaining Guaranteed Withdrawal Amount is equal to the initial Total Guaranteed 
Withdrawal Amount. The Remaining Guaranteed Withdrawal Amount is increased (up  
to a maximum of $5,000,000) by additional Purchase Payments, and decreased by   
the amount of each withdrawal (including any applicable withdrawal charges)     
regardless of whether or not the withdrawal exceeds the Annual Benefit Payment. 
The Remaining Guaranteed Withdrawal Amount is also increased by the Compounding 
Income Amount, as described below. IF A WITHDRAWAL RESULTS IN CUMULATIVE        
WITHDRAWALS FOR THE CURRENT CONTRACT YEAR THAT EXCEED THE ANNUAL BENEFIT        
PAYMENT (AN "EXCESS WITHDRAWAL"), THE REMAINING GUARANTEED WITHDRAWAL AMOUNT    
WILL ALSO BE REDUCED BY AN ADDITIONAL AMOUNT EQUAL TO THE DIFFERENCE BETWEEN    
THE REMAINING GUARANTEED WITHDRAWAL AMOUNT AFTER THE WITHDRAWAL AND THE ACCOUNT 
VALUE AFTER THE WITHDRAWAL (IF SUCH ACCOUNT VALUE IS LOWER THAN THE REMAINING   
GUARANTEED WITHDRAWAL AMOUNT). Limiting your cumulative withdrawals during a    
Contract Year to not more than the Annual Benefit Payment will result in        
dollar-for-dollar treatment of the withdrawals. As described below under        
"Annual Benefit Payment," the Remaining Guaranteed Withdrawal Amount is the     
total amount you are guaranteed to receive over time if you take your first     
withdrawal before the Owner or oldest Joint Owner (or the Annuitant if the      
Owner is a non-natural person) is age 59 1/2. The Remaining Guaranteed          
Withdrawal Amount is also used to calculate an alternate death benefit          
available under the Lifetime Withdrawal Guarantee (see "Additional Information" 
below).                                                                         

COMPOUNDING INCOME AMOUNT. The Compounding Income Amount increases the Total    
Guaranteed Withdrawal Amount and the Remaining Guaranteed Withdrawal Amount (up 
to a maximum of $5,000,000) on each contract anniversary until the earlier of:  
(a) the date of the first withdrawal from the contract or (b) the tenth         
contract anniversary. For contracts issued based on applications and necessary  
information received by our MetLife Annuity Service Center, in Good Order,      
after the close of the New York Stock Exchange on August 9, 2013 (November 8,   
2013 in Nevada and Oregon), the Compounding Income Amount increases the Total   
Guaranteed Withdrawal Amount and the Remaining Guaranteed Withdrawal Amount by  
an amount equal to 4% multiplied by the Total Guaranteed Withdrawal Amount and  
Remaining Guaranteed Withdrawal Amount before such increase. We take the Total  
Guaranteed Withdrawal Amount and the Remaining Guaranteed Withdrawal Amount as  
of the last day of the Contract Year to determine the amount subject to the     
increase. The Total Guaranteed Withdrawal Amount and Remaining Guaranteed       
Withdrawal Amount may also be increased by the Automatic Annual Step-Up, if     
that would result in a higher Total Guaranteed Withdrawal Amount and Remaining  
Guaranteed Withdrawal Amount. (See section B of Appendix D.) The 4% increase    
described in this section will be made before any step-ups as described under   
"Automatic Annual Step-Up" below. (For contracts issued based on applications   
and necessary information received by our MetLife Annuity Service Center, in    
Good Order, before the close of the New York Stock Exchange on August 9, 2013   
(November 8, 2013 in Nevada and Oregon), see "Prior Version of Lifetime         
Withdrawal Guarantee" below.)                                                   

AUTOMATIC ANNUAL STEP-UP. On each contract anniversary prior to the Owner's     
86th birthday, an Automatic Annual Step-Up will occur, provided that the        
Account Value exceeds the Total Guaranteed Withdrawal Amount (after             
compounding) immediately before the step-up (and provided that you have chosen  
not to decline the step-up as described below).                                 

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The Automatic Annual Step-Up:                                                   

o  resets the Total Guaranteed Withdrawal Amount and the Remaining Guaranteed   
    Withdrawal Amount to the Account Value on the date of the step-up, up to a
maximum of $5,000,000;                                                

o  resets the Annual Benefit Payment equal to the Withdrawal Rate (see "Annual  
Benefit Payment" below) multiplied by the Total Guaranteed Withdrawal 
Amount after the step-up; and                                         

o  may reset the Lifetime Withdrawal Guarantee rider charge to a rate that does 
  not exceed the lower of: (a) the maximum rider charge applicable to your
   version of the Lifetime Withdrawal Guarantee or (b) the current rate that
    we would charge for the same rider available for new contract purchases at
the time of the step-up.                                              

For information on the maximum rider charge applicable to your version of the   
Lifetime Withdrawal Guarantee, see "Expenses - Lifetime Withdrawal Guarantee    
and Guaranteed Withdrawal Benefit - Rider Charge."                              

In the event that the charge applicable to contract purchases at the time of    
the step-up is higher than your current Lifetime Withdrawal Guarantee rider     
charge, you will be notified in writing a minimum of 30 days in advance of the  
applicable contract anniversary and be informed that you may choose to decline  
the Automatic Annual Step-Up. If you choose to decline the Automatic Annual     
Step-Up, you must notify us in accordance with our Administrative Procedures    
(currently we require you to submit your request in writing to our Annuity      
Service Center no less than seven calendar days prior to the applicable         
contract anniversary). Once you notify us of your decision to decline the       
Automatic Annual Step-Up, you will no longer be eligible for future Automatic   
Annual Step-Ups until you notify us in writing to our Annuity Service Center    
that you wish to reinstate the step-ups. This reinstatement will take effect at 
the next contract anniversary after we receive your request for reinstatement.  
(See section C of Appendix D.)                                                  

For contracts issued in all states except Oregon, if your contract was issued   
-------------------------------------------------                               
based on an application and necessary information received at our Annuity       
Service Center in Good Order before the close of the New York Stock Exchange on 
May 1, 2009, and your Total Guaranteed Withdrawal Amount is increased due to an 
Automatic Annual Step-Up on a contract anniversary occurring on July 1, 2012 or 
later, we currently will increase the rider charge for the Single Life version  
to 0.95% of the Total Guaranteed Withdrawal Amount, and we will increase the    
rider charge for the Joint Life version to 1.20% of the Total Guaranteed        
Withdrawal Amount.                                                              

Please note that the Automatic Annual Step-Up may be of limited benefit if you  
intend to make Purchase Payments that would cause your Account Value to         
approach $5,000,000, since the Total Guaranteed Withdrawal Amount and Remaining 
Guaranteed Withdrawal Amount cannot exceed $5,000,000.                          

ANNUAL BENEFIT PAYMENT. The initial ANNUAL BENEFIT PAYMENT is equal to the      
initial Total Guaranteed Withdrawal Amount multiplied by the Withdrawal Rate.   
For contracts issued based on applications and necessary information received   
by our MetLife Annuity Service Center, in Good Order, after the close of the    
New York Stock Exchange on August 9, 2013 (November 8, 2013 in Nevada and       
Oregon), the Withdrawal Rate is 4%. If the Total Guaranteed Withdrawal Amount   
is later recalculated (for example, because of additional Purchase Payments,    
the Compounding Income Amount, the Automatic Annual Step-Up, or Excess          
Withdrawals), the Annual Benefit Payment is reset equal to the new Total        
Guaranteed Withdrawal Amount multiplied by the Withdrawal Rate. (For contracts  
issued based on applications and necessary information received by our MetLife  
Annuity Service Center, in Good Order, before the close of the New York Stock   
Exchange on August 9, 2013 (November 8, 2013 in Nevada and Oregon), see "Prior  
Version of Lifetime Withdrawal Guarantee" below.)                               

o  If you take your first withdrawal before the date you reach age 59 1/2, we   
will continue to pay the Annual Benefit Payment each year until the   
  Remaining Guaranteed Withdrawal Amount is depleted, even if your Account
 Value declines to zero due to market performance, so long as you do not
 take Excess Withdrawals; however, you will not be guaranteed income for
the rest of your life.                                                

o  If you take your first withdrawal on or after the date you reach age 59 1/2, 
   we will continue to pay the Annual Benefit Payment each year for the rest
 of your life (and the life of your spouse, if the Joint Life version of
the Lifetime Withdrawal Guarantee rider was elected, and your spouse  
elects to continue the contract and is at least age 59 1/2 at         
continuation), even if your Remaining                                 

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Guaranteed Withdrawal Amount and/or Account Value declines to zero.   

YOU SHOULD CAREFULLY CONSIDER WHEN TO BEGIN TAKING WITHDRAWALS IF YOU HAVE      
ELECTED THE LIFETIME WITHDRAWAL GUARANTEE. IF YOU BEGIN TAKING WITHDRAWALS TOO  
SOON, YOU MAY LIMIT THE VALUE OF THE LIFETIME WITHDRAWAL GUARANTEE. FOR         
EXAMPLE, YOUR TOTAL GUARANTEED WITHDRAWAL AMOUNT IS NO LONGER INCREASED BY THE  
COMPOUNDING INCOME AMOUNT ONCE YOU MAKE YOUR FIRST WITHDRAWAL. IF YOU DELAY     
TAKING WITHDRAWALS FOR TOO LONG, YOU MAY LIMIT THE NUMBER OF YEARS AVAILABLE    
FOR YOU TO TAKE WITHDRAWALS IN THE FUTURE (DUE TO LIFE EXPECTANCY) AND YOU MAY  
BE PAYING FOR A BENEFIT YOU ARE NOT USING.                                      

At any time during the Accumulation Phase, you can elect to annuitize under     
current annuity rates in lieu of continuing the Lifetime Withdrawal Guarantee   
rider. Annuitization may provide higher income amounts if the current Annuity   
Option rates applied to the Adjusted Contract Value on the Annuity Date exceed  
the payments under the Lifetime Withdrawal Guarantee rider. Also, income        
amounts provided by annuitizing under current annuity rates may be higher due   
to different tax treatment of this income compared to the tax treatment of the  
payments received under the Lifetime Withdrawal Guarantee rider. (See "Federal  
Income Tax Status - Withdrawals," and see "Lifetime Withdrawal Guarantee and    
Annuitization" at the end of this section of the prospectus.)                   

PRIOR VERSION OF LIFETIME WITHDRAWAL GUARANTEE. For contracts issued based on   
applications and necessary information received by our MetLife Annuity Service  
Center, in Good Order, before the close of the New York Stock Exchange on       
August 9, 2013 (November 8, 2013 in Nevada and Oregon), the Compounding Income  
Amount and Withdrawal Rate for the Lifetime Withdrawal Guarantee are 5%.        

MANAGING YOUR WITHDRAWALS. It is important that you carefully manage your       
annual withdrawals. To ensure that you retain the full guarantees of this       
rider, your annual withdrawals cannot exceed the Annual Benefit Payment each    
Contract Year. If a withdrawal charge does apply, the charge is not included in 
the amount withdrawn for the purpose of calculating whether annual withdrawals  
during a Contract Year exceed the Annual Benefit Payment.                       

IF YOU TAKE AN EXCESS WITHDRAWAL (A WITHDRAWAL FROM YOUR CONTRACT THAT RESULTS  
IN ANNUAL WITHDRAWALS DURING A CONTRACT YEAR EXCEEDING THE ANNUAL BENEFIT       
PAYMENT), THE TOTAL GUARANTEED WITHDRAWAL AMOUNT MAY BE RECALCULATED AND THE    
ANNUAL BENEFIT PAYMENT WILL BE REDUCED TO THE NEW TOTAL GUARANTEED WITHDRAWAL   
AMOUNT MULTIPLIED BY THE WITHDRAWAL RATE. IN ADDITION, AS NOTED ABOVE, IF YOU   
TAKE AN EXCESS WITHDRAWAL, THE REMAINING GUARANTEED WITHDRAWAL AMOUNT WILL ALSO 
BE REDUCED BY AN ADDITIONAL AMOUNT EQUAL TO THE DIFFERENCE BETWEEN THE          
REMAINING GUARANTEED WITHDRAWAL AMOUNT AFTER THE WITHDRAWAL AND THE ACCOUNT     
VALUE AFTER THE WITHDRAWAL (IF SUCH ACCOUNT VALUE IS LOWER THAN THE REMAINING   
GUARANTEED WITHDRAWAL AMOUNT). THESE REDUCTIONS IN THE TOTAL GUARANTEED         
WITHDRAWAL AMOUNT, ANNUAL BENEFIT PAYMENT, AND REMAINING GUARANTEED WITHDRAWAL  
AMOUNT MAY BE SIGNIFICANT. You are still eligible to receive either lifetime    
payments or the remainder of the Remaining Guaranteed Withdrawal Amount so long 
as the Excess Withdrawal did not cause your Account Value to drop to zero. AN   
EXCESS WITHDRAWAL THAT REDUCES THE ACCOUNT VALUE TO ZERO WILL TERMINATE THE     
CONTRACT.                                                                       

You can always take annual withdrawals less than the Annual Benefit Payment.    
However, if you choose to receive only a part of your Annual Benefit Payment in 
any given Contract Year, your Annual Benefit Payment is not cumulative and your 
Remaining Guaranteed Withdrawal Amount and Annual Benefit Payment will not      
increase. For example, if your Annual Benefit Payment is 4% of your Total       
Guaranteed Withdrawal Amount, you cannot withdraw 3% in one year and then       
withdraw 5% the next year without exceeding your Annual Benefit Payment in the  
second year. (See section A of Appendix D.)                                     

REQUIRED MINIMUM DISTRIBUTIONS. For IRAs and other contracts subject to Section 
401(a)(9) of the Internal Revenue Code, you may be required to take withdrawals 
to fulfill minimum distribution requirements generally beginning at age 70 1/2. 
These required distributions may be larger than your Annual Benefit Payment. If 
you enroll in the Automated Required Minimum Distribution Program and elect     
annual withdrawals, AFTER THE FIRST CONTRACT YEAR, we will increase your Annual 
Benefit Payment to equal your most recently calculated required minimum         

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distribution amount, if such amount is greater than your Annual Benefit         
Payment. Otherwise, any cumulative withdrawals you make to satisfy your         
required minimum distribution amount may exceed your Annual Benefit Payment and 
may cause the Total Guaranteed Withdrawal Amount to be recalculated and the     
Annual Benefit Payment to be reduced. YOU MUST BE ENROLLED ONLY IN THE          
                                          ----
AUTOMATED REQUIRED MINIMUM DISTRIBUTION PROGRAM TO QUALIFY FOR THIS INCREASE IN 
THE ANNUAL BENEFIT PAYMENT. YOU MAY NOT BE ENROLLED IN ANY OTHER SYSTEMATIC     
WITHDRAWAL PROGRAM. THE FREQUENCY OF YOUR WITHDRAWALS MUST BE ANNUAL. THE       
AUTOMATED REQUIRED MINIMUM DISTRIBUTION PROGRAM IS BASED ON INFORMATION         
RELATING TO THIS CONTRACT ONLY. To enroll in the Automated Required Minimum     
Distribution Program, please contact our Annuity Service Center.                

JOINT LIFE VERSION. A Joint Life version of the Lifetime Withdrawal Guarantee   
rider is available. Like the Single Life version of the Lifetime Withdrawal     
Guarantee rider, the Joint Life version must be elected at the time you         
purchase the contract, and the Owner (or oldest Joint Owner) must be age 80 or  
younger. Under the Joint Life version, when the Owner of the contract dies (or  
when the first Joint Owner dies), the Lifetime Withdrawal Guarantee rider will  
automatically remain in effect only if the spouse is the primary Beneficiary    
and elects to continue the contract under the spousal continuation provisions.  
(See "Death Benefit - Spousal Continuation.") This means that if you purchase   
the Joint Life version and subsequently get divorced, or your spouse is no      
longer the primary Beneficiary at the time of your death, he or she will not be 
eligible to receive payments under the Lifetime Withdrawal Guarantee rider. If  
the spouse is younger than age 59 1/2 when he or she elects to continue the     
contract, the spouse will receive the Annual Benefit Payment each year until    
the Remaining Guaranteed Withdrawal Amount is depleted. If the spouse is age 59 
1/2 or older when he or she elects to continue the contract, the spouse will    
receive the Annual Benefit Payment each year for the remainder of his or her    
life. (For information on the current and maximum rider charges for the Joint   
Life version of the Lifetime Withdrawal Guarantee, see "Expenses - Lifetime     
Withdrawal Guarantee and Guaranteed Withdrawal Benefit - Rider Charge.")        

In situations in which a trust is both the Owner and Beneficiary of the         
contract, the Joint Life version of the Lifetime Withdrawal Guarantee would not 
apply.                                                                          

CANCELLATION AND GUARANTEED PRINCIPAL ADJUSTMENT. You may elect to cancel the   
Lifetime Withdrawal Guarantee rider on the contract anniversary every five      
Contract Years for the first 15 Contract Years and annually thereafter. We must 
receive your cancellation request within 30 days following the applicable       
contract anniversary in accordance with our Administrative Procedures           
(currently we require you to submit your request in writing to our Annuity      
Service Center). The cancellation will take effect upon our receipt of your     
request. If cancelled, the Lifetime Withdrawal Guarantee rider will terminate   
and we will no longer deduct the Lifetime Withdrawal Guarantee rider charge.    
The variable annuity contract, however, will continue.                          

If you cancel the Lifetime Withdrawal Guarantee rider on the fifteenth contract 
anniversary or any contract anniversary thereafter, we will add a GUARANTEED    
PRINCIPAL ADJUSTMENT to your Account Value. The Guaranteed Principal Adjustment 
is intended to restore your initial investment in the contract in the case of   
poor investment performance. The Guaranteed Principal Adjustment is equal to    
(a) - (b) where:                                                                

(a)    is Purchase Payments credited within 120 days of the date that we issued 
the contract, reduced proportionately by the percentage reduction in  
    Account Value attributable to any partial withdrawals taken (including any
applicable withdrawal charges) and                                    

(b)    is the Account Value on the date of cancellation.                        

The Guaranteed Principal Adjustment will be added to each applicable Investment 
Portfolio in the ratio the portion of the Account Value in such Investment      
Portfolio bears to the total Account Value in all Investment Portfolios. The    
Guaranteed Principal Adjustment will never be less than zero.                   

Only Purchase Payments made during the first 120 days that you hold the         
contract are taken into consideration in determining the Guaranteed Principal   
Adjustment. Contract Owners who anticipate making Purchase Payments after 120   
days should understand that such payments will not increase the Guaranteed      
Principal Adjustment. Purchase payments made after 120 days are added to your   
Account Value and impact whether or not a benefit is due. Therefore, the        
Lifetime Withdrawal Guarantee may not be appropriate for you if you intend to   
make additional Purchase Payments after the 120-day                             

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period and are purchasing the Lifetime Withdrawal Guarantee for its Guaranteed  
Principal Adjustment feature.                                                   

TERMINATION OF THE LIFETIME WITHDRAWAL GUARANTEE RIDER. The Lifetime Withdrawal 
Guarantee rider will terminate upon the earliest of:                            

(1)    the date of a full withdrawal of the Account Value (you are still        
  eligible to receive either the Remaining Guaranteed Withdrawal Amount or
lifetime payments, provided the withdrawal did not exceed the Annual  
  Benefit Payment and the provisions and conditions of the rider have been
met) (a pro rata portion of the rider charge will be assessed);       

(2)    the date all of the Account Value is applied to an Annuity Option (a pro 
rata portion of the rider charge will be assessed);                   

(3)    the date there are insufficient funds to deduct the Lifetime Withdrawal  
    Guarantee rider charge from the Account Value and your contract is thereby
    terminated (whatever Account Value is available will be applied to pay the
 rider charge and you are still eligible to receive either the Remaining
    Guaranteed Withdrawal Amount or lifetime payments, provided the provisions
    and conditions of the rider have been met; however, you will have no other
benefits under the contract);                                         

(4)    death of the Owner or Joint Owner (or the Annuitant if the Owner is a    
  non-natural person), except where the contract is issued under the Joint
    Life version of the Lifetime Withdrawal Guarantee, the primary Beneficiary
 is the spouse, and the spouse elects to continue the contract under the
spousal continuation provisions of the contract;                      

(5)    change of the Owner or Joint Owner for any reason, subject to our        
   administrative procedures (a pro rata portion of the rider charge will be
assessed);                                                            

(6)    the effective date of the cancellation of the rider; or                  

(7)    termination of the contract to which the rider is attached, other than   
 due to death (a pro rata portion of the rider charge will be assessed).

Once the rider is terminated, the Lifetime Withdrawal Guarantee rider charge    
will no longer be deducted.                                                     

ADDITIONAL INFORMATION. The Lifetime Withdrawal Guarantee rider may affect the  
death benefit available under your contract. If the Owner or Joint Owner should 
die while the Lifetime Withdrawal Guarantee rider is in effect, an additional   
death benefit amount will be calculated under the Lifetime Withdrawal Guarantee 
rider which can be taken in a lump sum. The Lifetime Withdrawal Guarantee death 
benefit amount that may be taken as a lump sum will be equal to total Purchase  
Payments less any partial withdrawals (deducted on a dollar-for-dollar basis).  
If this death benefit amount is greater than the death benefit provided by your 
contract, and if withdrawals in each Contract Year did not exceed the Annual    
Benefit Payment, then this death benefit amount will be paid instead of the     
death benefit provided by the contract. All other provisions of your contract's 
death benefit will apply.                                                       

Alternatively, the Beneficiary may elect to receive the Remaining Guaranteed    
Withdrawal Amount as a death benefit in which case we will pay the Remaining    
Guaranteed Withdrawal Amount on a monthly basis (or any mutually agreed upon    
frequency, but no less frequently than annually) until the Remaining Guaranteed 
Withdrawal Amount is exhausted. The Beneficiary's withdrawal rights then come   
to an end. Currently, there is no minimum dollar amount for the payments,       
however, we reserve the right to accelerate any payment, in a lump sum, that is 
less that $500 (see below). This death benefit will be paid instead of the      
applicable contractual death benefit or the additional death benefit amount     
calculated under the Lifetime Withdrawal Guarantee as described above.          
Otherwise, the provisions of those contractual death benefits will determine    
the amount of the death benefit. Except as may be required by the Internal      
Revenue Code, an annual payment will not exceed the Annual Benefit Payment. If  
your Beneficiary dies while such payments are made, we will continue making the 
payments to the Beneficiary's estate unless we have agreed to another payee in  
writing. If the contract is a Non-Qualified Contract, any death benefit must be 
paid out over a time period and in a manner that satisfies Section 72(s) of the 
Internal Revenue Code. If the Owner (or the Annuitant, if the Owner is not a    
natural person) dies prior to the "annuity starting date" (as defined under the 
Internal Revenue Code and regulations thereunder), the period over which the    
Remaining Guaranteed Withdrawal Amount is paid as a death benefit cannot exceed 
the remaining life expectancy of the payee under the appropriate IRS tables.    
For purposes of the preceding sentence, if the payee is a non-natural person,   
the Remaining Guaranteed Withdrawal Amount must be paid out within 5 years from 
the date of death. Payments under this death benefit must begin within 12       
months following the date of death.                                             

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We reserve the right to accelerate any payment, in a lump sum, that is less     
than $500 or to comply with requirements under the Internal Revenue Code        
(including minimum distribution requirements for IRAs and other contracts       
subject to Section 401(a)(9) of the Internal Revenue Code and Non-Qualified     
Contracts subject to Section 72(s)). If you terminate the Lifetime Withdrawal   
Guarantee rider because (1) you make a total withdrawal of your Account Value;  
(2) your Account Value is insufficient to pay the Lifetime Withdrawal Guarantee 
rider charge; or (3) the contract Owner dies, except where the Beneficiary or   
Joint Owner is the spouse of the Owner and the spouse elects to continue the    
contract, you may not make additional Purchase Payments under the contract.     

LIFETIME WITHDRAWAL GUARANTEE AND ANNUITIZATION. Since the Annuity Date at the  
time you purchase the contract is the later of age 90 of the Annuitant or 10    
years from contract issue, you must make an election if you would like to       
extend your Annuity Date to the latest date permitted (subject to restrictions  
that may apply in your state, restrictions imposed by your selling firm, and    
our current established administrative procedures). If you elect to extend your 
Annuity Date to the latest date permitted, and that date is reached, your       
contract must be annuitized (see "Annuity Payments (The Income Phase)"), or you 
must make a complete withdrawal of your Account Value. Annuitization may        
provide higher income amounts than the payments under the Lifetime Withdrawal   
Guarantee rider, depending on the applicable annuity option rates and your      
Account Value on the Annuity Date.                                              

If you annuitize at the latest date permitted, you must elect one of the        
following options:                                                              

(1)    Annuitize the Account Value under the contract's annuity provisions.     

(2)    If you took withdrawals before age 59 1/2, and therefore you are not     
   eligible for lifetime withdrawals under the Lifetime Withdrawal Guarantee
 rider, elect to receive the Annual Benefit Payment paid each year until
the Remaining Guaranteed Withdrawal Amount is depleted. These payments
 will be equal in amount, except for the last payment that will be in an
  amount necessary to reduce the Remaining Guaranteed Withdrawal Amount to
zero.                                                                 

(3)    If you are eligible for lifetime withdrawals under the Lifetime          
 Withdrawal Guarantee rider, elect to receive the Annual Benefit Payment
paid each year until your death (or the later of you and your spousal 
  Beneficiary's death for the Joint Life version). If you (or you and your
  spousal Beneficiary for the Joint Life version) die before the Remaining
    Guaranteed Withdrawal Amount is depleted, your Beneficiaries will continue
 to receive payments equal to the Annual Benefit Payment each year until
the Remaining Guaranteed Withdrawal Amount is depleted. These payments
 will be equal in amount, except for the last payment that will be in an
  amount necessary to reduce the Remaining Guaranteed Withdrawal Amount to
zero.                                                                 

If you do not select an Annuity Option or elect to receive payments under the   
Lifetime Withdrawal Guarantee rider, we will annuitize your contract under the  
Life Annuity with 10 Years of Annuity Payments Guaranteed Annuity Option.       
However, if we do, we will adjust your Annuity Payment or the Annuity Option,   
if necessary, so your aggregate Annuity Payments will not be less than what you 
would have received under the Lifetime Withdrawal Guarantee rider.              

(See Appendix D for examples of the guaranteed withdrawal benefit riders.)      

DESCRIPTION OF GWB I                                                            

The GWB I is not available for purchase. In marketing or other materials, we    
may refer to the GWB I as the "GWB" or the "Guaranteed Withdrawal Benefit."     

BENEFIT BASE. The Guaranteed Withdrawal Amount is the maximum total amount of   
money that you are guaranteed to receive over time under the GWB I rider. At    
issue, the Benefit Base and the Guaranteed Withdrawal Amount are both equal to  
your initial Purchase Payment. At any subsequent point in time, the Benefit     
Base is the remaining amount of money that you are guaranteed to receive        
through annual withdrawals under the GWB I rider. Your initial Benefit Base is  
set at an amount equal to your initial Purchase Payment. Your Benefit Base will 
change with each Purchase Payment made. Also, each withdrawal will reduce your  
Benefit Base. If negative investment performance reduces your Account Value     
below the Benefit Base, you are still guaranteed to be able to withdraw the     
entire amount of your Benefit Base.                                             

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The Benefit Base is equal to:                                                   

o  Your initial Purchase Payment;                                               

o  Increased by each subsequent Purchase Payment made;                          

o  Less the amount of any withdrawals; provided, however, that if a withdrawal  
from your contract is not payable to the contract Owner or contract   
   Owner's bank account (or to the Annuitant or Annuitant's bank account, if
  the Owner is a non-natural person), or results in cumulative withdrawals
    (including any applicable withdrawal charge) for the current Contract Year
exceeding the Annual Benefit Payment, and the resulting Benefit Base  
exceeds the Account Value, an additional reduction in the Benefit Base
 will be made. This additional reduction will be equal to the difference
 between the Benefit Base after the decrease for the withdrawal and your
Account Value after the decrease for the withdrawal.                  

(See section D of Appendix D for examples of how withdrawals affect the Benefit 
Base.)                                                                          

ANNUAL BENEFIT PAYMENT. The Annual Benefit Payment is the maximum amount of     
your Benefit Base you may withdraw each Contract Year without adversely         
impacting the amount guaranteed to be available to you through withdrawals over 
time. The initial Annual Benefit Payment is equal to the initial Benefit Base   
multiplied by the GWB WITHDRAWAL RATE (5%). The Annual Benefit Payment is reset 
after each subsequent Purchase Payment to the greater of: (1) the Annual        
Benefit Payment before the subsequent Purchase Payment and (2) the GWB          
Withdrawal Rate multiplied by the Benefit Base after the subsequent Purchase    
Payment. You can continue to receive annual withdrawals in an amount equal to   
or less than your Annual Benefit Payment until your Benefit Base is depleted.   

MANAGING YOUR WITHDRAWALS. It is important that you carefully manage your       
annual withdrawals. To retain the GWB I guarantees, your annual withdrawals     
(including any applicable withdrawal charge) cannot exceed the Annual Benefit   
Payment each Contract Year. IF A WITHDRAWAL FROM YOUR CONTRACT DOES RESULT IN   
ANNUAL WITHDRAWALS (INCLUDING ANY APPLICABLE WITHDRAWAL CHARGE) DURING A        
CONTRACT YEAR EXCEEDING THE ANNUAL BENEFIT PAYMENT OR IS NOT PAYABLE TO THE     
CONTRACT OWNER OR CONTRACT OWNER'S BANK ACCOUNT (OR TO THE ANNUITANT OR         
ANNUITANT'S BANK ACCOUNT, IF THE OWNER IS A NON-NATURAL PERSON), THE ANNUAL     
BENEFIT PAYMENT WILL BE RECALCULATED AND MAY BE REDUCED. THIS REDUCTION MAY BE  
SIGNIFICANT. The new Annual Benefit Payment will equal the lower of: (1) the    
Annual Benefit Payment before the withdrawal and (2) your Account Value after   
the decrease for the withdrawal (including any applicable withdrawal charge)    
multiplied by the GWB Withdrawal Rate. Furthermore, since the GWB I rider       
charge is assessed as a percentage of the Guaranteed Withdrawal Amount, any     
decrease of the Annual Benefit Payment caused as a result of an excess          
withdrawal results in an increase in the cost of the rider relative to the      
benefits you will receive.                                                      

(See sections E and F of Appendix D for examples of how withdrawals and         
subsequent Purchase Payments affect the Annual Benefit Payment.)                

You can always take annual withdrawals less than the Annual Benefit Payment.    
However, if you choose to receive only a part of, or none of, your Annual       
Benefit Payment in any given Contract Year, your Annual Benefit Payment is not  
cumulative and your Benefit Base and Annual Benefit Payment will not increase.  
For example, if your Annual Benefit Payment is 5% of your Benefit Base and you  
withdraw 3% one year, you cannot then withdraw 7% the next year without         
exceeding your Annual Benefit Payment.                                          

REQUIRED MINIMUM DISTRIBUTIONS. For IRAs and other contracts subject to Section 
401(a)(9) of the Internal Revenue Code, you may be required to take withdrawals 
to fulfill minimum distribution requirements generally beginning at age 70 1/2. 
These required distributions may be larger than the Annual Benefit Payment. If  
you enroll in the Automated Required Minimum Distribution Program and elect     
annual withdrawals, AFTER THE FIRST CONTRACT YEAR, we will increase your Annual 
Benefit Payment to equal your most recently calculated required minimum         
distribution amount, if such amount is greater than your Annual Benefit         
Payment. Otherwise, any cumulative withdrawals you make to satisfy your         
required minimum distribution amount may exceed your Annual Benefit Payment; if 
such withdrawals exceed your Annual Benefit Payment, the Annual Benefit Payment 
will be recalculated and may be reduced. YOU MUST BE ENROLLED ONLY IN THE       
                                                ----
AUTOMATED REQUIRED MINIMUM DISTRIBUTION PROGRAM TO QUALIFY FOR THIS INCREASE IN 
ANNUAL BENEFIT PAYMENT. YOU MAY NOT BE ENROLLED IN ANY OTHER SYSTEMATIC         
WITHDRAWAL PROGRAM. THE FREQUENCY OF YOUR WITHDRAWALS MUST BE ANNUAL. THE       
AUTOMATED REQUIRED MINIMUM DISTRIBUTION PROGRAM IS BASED ON INFORMATION         
RELATING TO THIS CONTRACT ONLY. To enroll in the Automated Required             

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Minimum Distribution Program, please contact our Annuity Service Center.        

GUARANTEED WITHDRAWAL AMOUNT. We assess the GWB I rider charge as a percentage  
of the GUARANTEED WITHDRAWAL AMOUNT, which is initially set at an amount equal  
to your initial Purchase Payment. The Guaranteed Withdrawal Amount may increase 
with additional Purchase Payments. In this case, the Guaranteed Withdrawal      
Amount will be reset equal to the greater of: (1) the Guaranteed Withdrawal     
Amount before the Purchase Payment and (2) the Benefit Base after the Purchase  
Payment. Withdrawals do not decrease the Guaranteed Withdrawal Amount. (See     
section G of Appendix D.) If your Guaranteed Withdrawal Amount increases, the   
amount of the GWB I rider charge we deduct will increase since the charge is a  
percentage of your Guaranteed Withdrawal Amount.                                

CANCELLATION. You (or your spouse, upon spousal continuation of the contract)   
may elect to cancel the GWB I rider in accordance with our Administrative       
Procedures (currently we require you to submit your cancellation request in     
writing to our Annuity Service Center) during the 90-day period following the   
5th contract anniversary. Such cancellation will take effect upon our receipt   
of the request. Otherwise, the rider may not be canceled. If canceled, the GWB  
I rider will terminate and we will no longer deduct the GWB I rider charge. The 
variable annuity contract, however, will continue. If you cancel the GWB I      
rider, you may not re-elect it.                                                 

TERMINATION. The GWB I rider will terminate upon the earliest of:               

(1)    the date you make a full withdrawal of your Account Value;               

(2)    the date you apply all of your Account Value to an Annuity Option;       

(3)    the date there are insufficient funds to deduct the GWB I rider charge   
from your Account Value (whatever Account Value is available will be  
applied to pay the annual GWB I rider charge);                        

(4)    the date we receive due proof of the Owner's death and a Beneficiary     
  claim form, except where the Beneficiary or Joint Owner is the spouse of
    the Owner and the spouse elects to continue the contract and the spouse is
less than 85 years old, or the Annuitant dies if the Owner is a       
non-natural person; note: (a) if the spouse elects to continue the    
 contract (so long as the spouse is less than 85 years old and the GWB I
   rider is in effect at the time of continuation), all terms and conditions
    of the GWB I rider will apply to the surviving spouse; and (b) we will not
  terminate the rider until we receive both due proof of the Owner's death
    and a Beneficiary claim form (from certain Beneficiaries, such as a trust,
   we may require additional information, such as the trust document), which
  means we will continue to deduct the GWB I rider charge until we receive
this information;                                                     

(5)    a change of the Owner or Joint Owner (or the Annuitant, if the Owner is  
a non-natural person) for any reason;                                 

(6)    the termination of your contract; or                                     

(7)    the effective date of the cancellation of the GWB I rider.               

ADDITIONAL INFORMATION. If you take a full withdrawal of your Account Value and 
the withdrawal does not exceed the Annual Benefit Payment, or your Account      
Value is reduced to zero because you do not have a sufficient Account Value to  
pay the GWB I rider charge and your Benefit Base after the withdrawal is more   
than zero, we will commence making payments to the Owner or Joint Owner (or the 
Annuitant if the Owner is a non-natural person) on a monthly basis (or any      
mutually agreed upon frequency, but not less frequently than annually) until    
the Benefit Base is exhausted. Your withdrawal rights then come to an end.      
Currently, there is no minimum dollar amount for the payments, however, we      
reserve the right to accelerate any payment, in a lump sum, that is less that   
$500 (see below). The total annual payments cannot exceed the Annual Benefit    
Payment, except to the extent required under the Internal Revenue Code. If you  
or the Joint Owner (or the Annuitant if the Owner is a non-natural person) dies 
while these payments are being made, your Beneficiary will receive these        
payments. No other death benefit will be paid.                                  

If you cancel the rider or apply your entire Account Value to an Annuity        
Option, we will not deduct the GWB I rider charge from your Account Value after 
we deduct the charge on the effective date of the cancellation or the           
application of your Account Value to an Annuity Option. We will not pay any     
benefits as a result of the rider on or after the effective date of the         
cancellation or the application of your Account Value to an Annuity Option.     

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If the Owner or Joint Owner (or the Annuitant if the Owner is a non-natural     
person) should die while the GWB I rider is in effect, your Beneficiary may     
elect to receive the Benefit Base as a death benefit in lieu of any other       
contractual death benefits. Otherwise, the provisions of those death benefits   
will determine the amount of the death benefit and no benefit will be payable   
under the GWB I rider.                                                          

If the Beneficiary elects the Benefit Base as a death benefit, we will pay the  
remaining Benefit Base on a monthly basis (or any mutually agreed upon          
frequency, but no less frequently than annually) until the Benefit Base is      
exhausted. Except as may be required by the Internal Revenue Code, an annual    
payment will not exceed the Annual Benefit Payment. If your Beneficiary dies    
while such payments are made, we will continue making the payments to the       
Beneficiary's estate unless we have agreed to another payee in writing. If the  
contract is a Non-Qualified Contract, any death benefit must be paid out over a 
time period and in a manner that satisfies Section 72(s) of the Internal        
Revenue Code. If the Owner (or the Annuitant, where the Owner is not a natural  
person) dies prior to the "annuity starting date" (as defined under the         
Internal Revenue Code and regulations thereunder), the period over which the    
Benefit Base is paid as a death benefit cannot exceed the remaining life        
expectancy of the payee under the appropriate IRS tables. For purposes of the   
preceding sentence, if the payee is a non-natural person, the Benefit Base must 
be paid out within 5 years from the date of death. Payments under this death    
benefit must begin within 12 months following the date of death.                

We reserve the right to accelerate any payment, in a lump sum, that is less     
than $500 or to comply with requirements under the Internal Revenue Code        
(including minimum distribution requirements for IRAs and other contracts       
subject to Section 401(a)(9) of the Internal Revenue Code and Non-Qualified     
Contracts subject to Section 72(s)). If you terminate the GWB I rider because:  
(1) you make a total withdrawal of your Account Value; (2) your Account Value   
is insufficient to pay the GWB I rider charge; or (3) the contract Owner or     
Joint Owner (or the Annuitant if the Owner is a non-natural person) dies,       
except where the Beneficiary or Joint Owner is the spouse of the Owner and the  
spouse elects to continue the contract and the spouse is less than 85 years     
old, you may not make additional Purchase Payments under the contract.          

GWB I AND ANNUITIZATION. Since the Annuity Date at the time you purchase the    
contract is the later of age 90 of the Annuitant or 10 years from contract      
issue, you must make an election if you would like to extend your Annuity Date  
to the latest date permitted (subject to restrictions that may apply in your    
state, restrictions imposed by your selling firm, and our current established   
administrative procedures). If you elect to extend your Annuity Date to the     
latest date permitted, and that date is reached, your contract must be          
annuitized (see "Annuity Payments (The Income Phase)"), or you must make a      
complete withdrawal of your Account Value.                                      

If you annuitize at the latest date permitted, you must elect one of the        
following options:                                                              

(1)    Annuitize the Account Value under the contract's annuity provisions.     

(2)    Elect to receive the Annual Benefit Payment under the GWB I rider paid   
    each year until the Benefit Base is depleted. These payments will be equal
    in amount, except for the last payment that will be in an amount necessary
to reduce the Benefit Base to zero.                                   

If you do not select an Annuity Option or elect to receive payments under the   
GWB I rider, we will annuitize your contract under the Life Annuity with 10     
Years of Annuity Payments Guaranteed Annuity Option. However, if we do, we will 
adjust your Annuity Payment or the Annuity Option, if necessary, so your        
aggregate Annuity Payments will not be less than what you would have received   
under the GWB I rider.                                                          

(See Appendix D for examples of the guaranteed withdrawal benefit riders.)      

8. PERFORMANCE                                                                  

We periodically advertise subaccount performance relating to the Investment     
Portfolios. We will calculate performance by determining the percentage change  
in the value of an Accumulation Unit by dividing the increase (decrease) for    
that unit by the value of the Accumulation Unit at the beginning of the period. 
This performance number reflects the deduction of the Separate Account product  
charges (including certain death benefit rider charges) and the Investment      
Portfolio expenses. It does not reflect the deduction of any applicable account 
fee, withdrawal charge, or applicable optional rider charges. The deduction of  
these charges would reduce the percentage increase or make greater any          
percentage decrease. Any advertisement will also include total return figures   
which reflect the deduction of the Separate Account product charges             

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(including certain death benefit rider charges), account fee, withdrawal        
charges, applicable optional rider charges, and the Investment Portfolio        
expenses.                                                                       

For periods starting prior to the date the contract was first offered, the      
performance will be based on the historical performance of the corresponding    
Investment Portfolios for the periods commencing from the date on which the     
particular Investment Portfolio was made available through the Separate         
Account.                                                                        

In addition, the performance for the Investment Portfolios may be shown for the 
period commencing from the inception date of the Investment Portfolios. These   
figures should not be interpreted to reflect actual historical performance of   
the Separate Account.                                                           

We may, from time to time, include in our advertising and sales materials       
performance information for funds or investment accounts related to the         
Investment Portfolios and/or their investment advisers or subadvisers. Such     
related performance information also may reflect the deduction of certain       
contract charges. We may also include in our advertising and sales materials    
tax deferred compounding charts and other hypothetical illustrations, which may 
include comparisons of currently taxable and tax deferred investment programs,  
based on selected tax brackets.                                                 

We may advertise the living benefit and death benefit riders using              
illustrations showing how the benefit works with historical performance of      
specific Investment Portfolios or with a hypothetical rate of return (which     
rate will not exceed 12%) or a combination of historical and hypothetical       
returns. These illustrations will reflect the deduction of all applicable       
charges including the portfolio expenses of the underlying Investment           
Portfolios.                                                                     

You should know that for any performance we illustrate, future performance will 
vary and results shown are not necessarily representative of future results.    

9. DEATH BENEFIT                                                                

UPON YOUR DEATH                                                                 

If you die during the Accumulation Phase, we will pay a death benefit to your   
Beneficiary (or Beneficiaries). The Principal Protection is the standard death  
benefit for your contract. If you are age 79 or younger at the effective date   
of your contract, you may select the optional Annual Step-Up death benefit or   
the Additional Death Benefit - Earnings Preservation Benefit.                   

The death benefits are described below. There may be versions of each rider     
that vary by issue date and state availability. In addition, a version of a     
rider may become available (or unavailable) in different states at different    
times. Please check with your registered representative regarding which         
version(s) are available in your state. If you have already been issued a       
contract, please check your contract and riders for the specific provisions     
applicable to you.                                                              

The death benefit is determined as of the end of the Business Day on which we   
receive both due proof of death and an election for the payment method. Where   
there are multiple Beneficiaries, the death benefit will only be determined as  
of the time the first Beneficiary submits the necessary documentation in Good   
Order. If the death benefit payable is an amount that exceeds the Account Value 
on the day it is determined, we will apply to the contract an amount equal to   
the difference between the death benefit payable and the Account Value, in      
accordance with the current allocation of the Account Value. This death benefit 
amount remains in the Investment Portfolio(s) until each of the other           
Beneficiaries submits the necessary documentation in Good Order to claim        
his/her death benefit. (See "General Death Benefit Provisions" below.) Any      
death benefit amounts held in the Investment Portfolios on behalf of the        
remaining Beneficiaries are subject to investment risk. There is no additional  
death benefit guarantee.                                                        

If you have a Joint Owner, the death benefit will be paid when the first Owner  
dies. Upon the death of either Owner, the surviving Joint Owner will be the     
primary Beneficiary. Any other Beneficiary designation will be treated as a     
contingent Beneficiary, unless instructed otherwise.                            

If a non-natural person owns the contract, the Annuitant will be deemed to be   
the Owner in determining the death benefit. If there are Joint Owners, the age  
of the oldest Owner will be used to determine the death benefit amount.         

If we are presented with notification of your death before any requested        
transaction is completed (including transactions under a dollar cost averaging  
program, the Automatic Rebalancing Program, the Systematic Withdrawal Program,  
or the Automated Required Minimum Distribution Program), we will cancel the     
request. As described above, the death benefit will be determined when we       
receive both due proof of death and an election for the payment method.         

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STANDARD DEATH BENEFIT - PRINCIPAL PROTECTION                                   

The death benefit will be the greater of:                                       

(1)    the Account Value; or                                                    

(2)    total Purchase Payments, reduced proportionately by the percentage       
reduction in Account Value attributable to each partial withdrawal    
(including any applicable withdrawal charge).                         

If the Owner is a natural person and the Owner is changed to someone other than 
a spouse, the death benefit amount will be determined as defined above;         
however, subsection (2) will be changed to provide as follows: "the Account     
Value as of the effective date of the change of Owner, increased by Purchase    
Payments received after the date of the change of Owner, reduced                
proportionately by the percentage reduction in Account Value attributable to    
each partial withdrawal (including any applicable withdrawal charge) made after 
such date."                                                                     

In the event that a Beneficiary who is the spouse of the Owner elects to        
continue the contract in his or her name after the Owner dies, the death        
benefit amount will be determined in accordance with (1) or (2) above.          

(See Appendix E for examples of the Principal Protection death benefit rider.)  

OPTIONAL DEATH BENEFIT - ANNUAL STEP-UP                                         

You may select the Annual Step-Up death benefit rider if you are age 79 or      
younger at the effective date of your contract. If you select the Annual        
Step-Up death benefit rider, the death benefit will be the greatest of:         

(1)    the Account Value; or                                                    

(2)    total Purchase Payments, reduced proportionately by the percentage       
reduction in Account Value attributable to each partial withdrawal    
(including any applicable withdrawal charge); or                      

(3)    the highest anniversary value, as defined below.                         

On the date we issue your contract, the highest anniversary value is equal to   
your initial Purchase Payment. Thereafter, the highest anniversary value (as    
recalculated) will be increased by subsequent Purchase Payments and reduced     
proportionately by the percentage reduction in Account Value attributable to    
each subsequent partial withdrawal (including any applicable withdrawal         
charge). On each contract anniversary prior to your 81st birthday, the highest  
anniversary value will be recalculated and set equal to the greater of the      
highest anniversary value before the recalculation or the Account Value on the  
date of the recalculation.                                                      

If the Owner is a natural person and the Owner is changed to someone other than 
a spouse, the death benefit is equal to the greatest of (1), (2) or (3);        
however, for purposes of calculating (2) and (3) above:                         

o  Subsection (2) is changed to provide: "The Account Value as of the effective 
    date of the change of Owner, increased by Purchase Payments received after
    the date of change of Owner, and reduced proportionately by the percentage
reduction in Account Value attributable to each partial withdrawal    
 (including any applicable withdrawal charge) made after such date"; and

o  For subsection (3), the highest anniversary value will be recalculated to    
   equal your Account Value as of the effective date of the change of Owner.
Thereafter, the highest anniversary value (as recalculated) will be   
  increased by subsequent Purchase Payments and reduced proportionately by
   the percentage reduction in Account Value attributable to each subsequent
  partial withdrawal (including any applicable withdrawal charge). On each
contract anniversary prior to the Owner's 81st birthday, the highest  
    anniversary value will be recalculated and set equal to the greater of the
    highest anniversary value before the recalculation or the Account Value on
the date of the recalculation.                                        

In the event that a Beneficiary who is the spouse of the Owner elects to        
continue the contract in his or her name after the Owner dies, the death        
benefit is equal to the greatest of (1), (2) or (3).                            

(See Appendix E for examples of the Annual Step-Up death benefit rider.)        

ADDITIONAL DEATH BENEFIT - EARNINGS PRESERVATION BENEFIT                        

You may select the Additional Death Benefit - Earnings Preservation Benefit if  
you are age 79 or younger at the effective date of your contract. The Earnings  
Preservation Benefit pays an additional death benefit that is intended to help  
pay part of the income taxes due at the time of death of the Owner or Joint     
Owner. In certain situations, this benefit may not be available for qualified   
plans (check with your registered representative for details).                  

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Before the contract anniversary immediately prior to your 81st birthday, the    
additional death benefit is equal to the "benefit percentage" (determined in    
accordance with the table below) times the result of (a) - (b), where:          

(a)    is the death benefit under your contract; and                            

(b)    is total Purchase Payments not withdrawn. For purposes of calculating    
   this value, partial withdrawals are first applied against earnings in the
contract, and then against Purchase Payments not withdrawn.           

On or after the contract anniversary immediately prior to your 81st birthday,   
the additional death benefit is equal to the "benefit percentage" (determined   
in accordance with the table below) times the result of (a) - (b), where:       

(a)    is the death benefit on the contract anniversary immediately prior to    
   your 81st birthday, increased by subsequent Purchase Payments and reduced
   proportionately by the percentage reduction in Account Value attributable
    to each subsequent partial withdrawal (including any applicable withdrawal
charge); and                                                          

(b)    is total Purchase Payments not withdrawn. For purposes of calculating    
   this value, partial withdrawals are first applied against earnings in the
contract, and then against Purchase Payments not withdrawn.           

                                                                [Download Table]

            Benefit Percentage            
Issue Age                       Percentage
----------------------------   -----------
                                          
  Ages 69 or younger                40%   
  Ages 70-79                        25%   
  Age 80                             0%   

If the Owner is a natural person and the Owner is changed to someone other than 
a spouse, the additional death benefit is as defined above; however, for the    
purposes of calculating subsection (b) above "total Purchase Payments not       
withdrawn" will be reset to equal the Account Value as of the effective date of 
the Owner change, and Purchase Payments received and partial withdrawals taken  
prior to the change of Owner will not be taken into account.                    

In the event that a Beneficiary who is the spouse of the Owner elects to        
continue the contract in his or her name after the Owner dies, the additional   
death benefit will be determined and payable upon receipt of due proof of death 
of the first spousal Beneficiary. Alternatively, the spousal Beneficiary may    
elect to have the additional death benefit determined and added to the Account  
Value upon the election, in which case the additional death benefit rider will  
terminate (and the corresponding death benefit rider charge will also           
terminate).                                                                     

GENERAL DEATH BENEFIT PROVISIONS                                                

The death benefit amount remains in the Separate Account until distribution     
begins. From the time the death benefit is determined until complete            
distribution is made, any amount in the Separate Account will continue to be    
subject to investment risk. This risk is borne by the Beneficiary.              

Please check with your registered representative regarding the availability of  
the following in your state.                                                    

If the Beneficiary under a Qualified Contract is the Annuitant's spouse, the    
tax law generally allows distributions to begin by the year in which the        
Annuitant would have reached 70 1/2 (which may be more or less than five years  
after the Annuitant's death).                                                   

A Beneficiary must elect the death benefit to be paid under one of the payment  
options (unless the Owner has previously made the election). The entire death   
benefit must be paid within 5 years of the date of death unless the Beneficiary 
elects to have the death benefit payable under an Annuity Option. The death     
benefit payable under an Annuity Option must be paid over the Beneficiary's     
lifetime or for a period not extending beyond the Beneficiary's life            
expectancy. For Non-Qualified Contracts, payment must begin within one year of  
the date death. For Qualified Contracts, payment must begin no later than the   
end of the calendar year immediately following the year of death.               

We may also offer a payment option, for both Non-Qualified Contracts and        
certain Qualified Contracts, under which your Beneficiary may receive payments, 
over a period not extending beyond his or her life expectancy, under a method   
of distribution similar to the distribution of required minimum distributions   
from Individual Retirement Accounts. If this option is elected, we will issue a 
new contract to your Beneficiary in order to facilitate the distribution of     
payments. Your Beneficiary may choose any optional death benefit available      
under the new contract. Upon the death of your Beneficiary, the death benefit   
would be required to be distributed to your Beneficiary's Beneficiary at least  
as rapidly as under the method of distribution in effect at the time of your    
Beneficiary's death. (See "Federal Income Tax Status.") To the extent permitted 
under the tax law, and in accordance with our procedures, your designated       
Beneficiary is permitted under our procedures to make additional Purchase       
Payments consisting of monies which are direct transfers (as                    

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permitted under tax law) from other Qualified Contracts or Non-Qualified        
Contracts, depending on which type of contract you own, held in the name of the 
decedent. Any such additional Purchase Payments would be subject to applicable  
withdrawal charges. Your Beneficiary is also permitted to choose some of the    
optional benefits available under the contract, but certain contract provisions 
or programs may not be available.                                               

If a lump sum payment is elected and all the necessary requirements are met,    
the payment will be made within 7 days. Payment to the Beneficiary under an     
Annuity Option may only be elected during the 60 day period beginning with the  
date we receive due proof of death.                                             

If the Owner or a Joint Owner, who is not the Annuitant, dies during the income 
phase, any remaining payments under the Annuity Option elected will continue at 
least as rapidly as under the method of distribution in effect at the time of   
the Owner's death. Upon the death of the Owner or a Joint Owner during the      
income phase, the Beneficiary becomes the Owner.                                

SPOUSAL CONTINUATION                                                            

If the primary Beneficiary is the spouse of the Owner, upon the Owner's death,  
the Beneficiary may elect to continue the contract in his or her own name. Upon 
such election, the Account Value will be adjusted upward (but not downward) to  
an amount equal to the death benefit amount determined upon such election and   
receipt of due proof of death of the Owner. Any excess of the death benefit     
amount over the Account Value will be allocated to each applicable Investment   
Portfolio and/or the Fixed Account in the ratio that the Account Value in the   
Investment Portfolio and/or the Fixed Account bears to the total Account Value. 
The terms and conditions of the contract that applied prior to the Owner's      
death will continue to apply, with certain exceptions described in the          
contract.                                                                       

For purposes of the death benefit on the continued contract, the death benefit  
is calculated in the same manner as it was prior to continuation except that    
all values used to calculate the death benefit, which may include a highest     
anniversary value, are reset on the date the spouse continues the contract.     

Spousal continuation will not satisfy minimum required distribution rules for   
Qualified Contracts other than IRAs (see "Federal Income Tax Status").          

DEATH OF THE ANNUITANT                                                          

If the Annuitant, not an Owner or Joint Owner, dies during the Accumulation     
Phase, you automatically become the Annuitant. You can select a new Annuitant   
if you do not want to be the Annuitant (subject to our then current             
underwriting standards). However, if the Owner is a non- natural person (for    
example, a corporation), then the death of the primary Annuitant will be        
treated as the death of the Owner, and a new Annuitant may not be named.        

Upon the death of the Annuitant after Annuity Payments begin, the death         
benefit, if any, will be as provided for in the Annuity Option selected. Death  
benefits will be paid at least as rapidly as under the method of distribution   
in effect at the Annuitant's death.                                             

CONTROLLED PAYOUT                                                               

You may elect to have the death benefit proceeds paid to your Beneficiary in    
the form of Annuity Payments for life or over a period of time that does not    
exceed your Beneficiary's life expectancy. This election must be in writing in  
a form acceptable to us. You may revoke the election only in writing and only   
in a form acceptable to us. Upon your death, the Beneficiary cannot revoke or   
modify your election. The Controlled Payout is only available to Non-Qualified  
Contracts.                                                                      

10. FEDERAL INCOME TAX STATUS                                                   

INTRODUCTION                                                                    

The following information on taxes is a general discussion of the subject. It   
is not intended as tax advice. The Internal Revenue Code (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.                                        

You are responsible for determining whether your purchase of a contract,        
withdrawals, income payments and any other transactions under your contract     
satisfy applicable tax law.                                                     

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We are not responsible for determining if your employer's plan or arrangement   
satisfies the requirements of the Code and/or the Employee Retirement Income    
Security Act of 1974 (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 Investment Portfolios to foreign   
jurisdictions.                                                                  

Any Code reference to "spouse" includes those persons who are married spouses   
under state law, regardless of sex.                                             

NON-QUALIFIED CONTRACTS                                                         

A "Non-Qualified Contract" discussed here assumes the contract is an annuity    
contract for federal income tax purposes, but the contract is not held in a tax 
qualified "plan" defined by the Code. 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 governmental 457(b) plans. Contracts owned through such      
plans are referred to below as "Qualified Contracts."                           

INVESTOR CONTROL                                                                

In certain circumstances, Owners of variable annuity Non-Qualified Contracts    
have been considered to be the owners of the assets of the underlying Separate  
Account for federal income tax purposes due to their ability to exercise        
investment control over those assets. When this is the case, the contract       
Owners have been currently taxed on income and gains attributable to the        
variable account assets. There is little guidance in this area, and some        
features of the contract, such as the number of Investment Portfolios available 
and the flexibility of the contract Owner to allocate Purchase Payments and     
transfer amounts among the Investment Portfolios have not been addressed in     
public rulings. While we believe that the contract does not give the contract   
Owner investment control over Separate Account assets, we reserve the right to  
modify the contract as necessary to prevent a contract Owner from being treated 
as the owner of the Separate Account assets supporting the contract.            

ACCUMULATION                                                                    

Generally, an Owner of a Non-Qualified Contract is not taxed on increases in    
the value of the contract until there is a distribution from the contract,      
either as surrenders, partial withdrawals, or income payments. This deferral of 
taxation on accumulated value in the contract is limited to contracts owned by  
or held for the benefit of "natural persons." A contract will be treated as     
held by a natural person even if the nominal Owner is a trust or other entity   
which holds the contract as an agent for a natural person.                      

In contrast, a contract owned by other than a "natural person," such as a       
corporation, partnership, trust, or other entity, will be taxed currently on    
the increase in accumulated value in the contract in the year earned. Note that 
in this regard, an employer which is the Owner of an annuity contract under a   
non-qualified deferred compensation arrangement for its employees would be      
considered a non-natural Owner and the annual increase in the Account Value     
would be subject to current income taxation.                                    

SURRENDERS OR WITHDRAWALS - EARLY DISTRIBUTION                                  

If you take a withdrawal from your contract, or surrender your contract prior   
to the date you commence taking annuity or "income" payments (the "Annuity      
Starting Date"), the amount you receive will be treated first as coming from    
earnings (and thus subject to income tax) and then from your Purchase Payments  
(which are not subject to income tax). If the accumulated value is less than    
your Purchase Payments upon surrender of your contract, you might be able to    
claim the loss on your federal income taxes as a miscellaneous itemized         
deduction.                                                                      

The portion of any withdrawal or distribution from an annuity contract that is  
subject to income tax will also be subject to a 10% federal income tax penalty  
for "early" distribution if such withdrawal or distribution is taken prior to   
you reaching age 59 1/2, unless the distribution was made:                      

(a)    on account of your death or disability,                                  

(b)    as part of a series of substantially equal periodic payments payable for 
your life or joint lives of you and your designated Beneficiary, or   

(c)    under certain immediate income annuities providing for substantially     
equal payments made at least annually.                                

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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 additional Purchase Payments or   
withdrawals (including tax-free transfers or rollovers of income payments) from 
the contract.                                                                   

If your contract has been purchased with an Optional Two Year Withdrawal        
Feature or is for a guaranteed period only (term certain) annuity, and is       
terminated as a result of the exercise of the withdrawal feature, the taxable   
portion of the payment will generally be the excess of the proceeds received    
over your remaining after-tax Purchase Payment.                                 

For Non-Qualified Contracts, amounts received under the exercise of a partial   
withdrawal may be fully includible in taxable income. The entire amount of the  
withdrawal could be treated as taxable income. Exercise of either withdrawal    
feature may adversely impact the amount of subsequent payments which can be     
treated as a nontaxable return of investment.                                   

TREATMENT OF SEPARATE ACCOUNT CHARGES                                           

It is possible that at some future date the Internal Revenue Service (IRS) may  
consider that contract charges attributable to certain guaranteed death         
benefits and certain living benefits are to be treated as distributions from    
the contract to pay for such non-annuity benefits. Currently, these charges are 
considered to be an intrinsic part of the contract and we do not report these   
as taxable income. However, if this treatment changes in the future, the charge 
could also be subject to a 10% federal income tax penalty as an early           
distribution, as described above.                                               

GUARANTEED WITHDRAWAL BENEFITS                                                  

If you have purchased the GWB I or Lifetime Withdrawal Guarantee, where         
otherwise made available, note the following:                                   

The tax treatment of withdrawals under such a benefit is uncertain. It is       
conceivable that the amount of potential gain could be determined based on the  
remaining amount guaranteed to be available for withdrawal at the time of the   
withdrawal if greater than the Account Value (prior to withdrawal charges).     
This could result in a greater amount of taxable income in certain cases. In    
general, at the present time, we intend to report such withdrawals using the    
Account Value rather than the remaining benefit to determine gain. However, in  
cases where the maximum permitted withdrawal in any year under any version of   
the GWB exceeds the Account Value, the portion of the withdrawal treated as     
taxable gain (not to exceed the amount of the withdrawal) should be measured as 
the difference between the maximum permitted withdrawal amount under the        
benefit and the remaining after-tax basis immediately preceding the withdrawal. 
Consult your tax adviser.                                                       

In the event that the Account Value goes to zero, and either the Benefit Base   
(for the GWB I) or the Remaining Guaranteed Withdrawal Amount (for the Lifetime 
Withdrawal Guarantee) is paid out in fixed installments or the Annual Benefit   
Payment (for the Lifetime Withdrawal Guarantee) is paid for life, we will treat 
such payments as income Annuity Payments under the tax law and allow recovery   
of any remaining basis ratably over the expected number of payments.            

We reserve the right to change our tax reporting practices where we determine   
that they are not in accordance with IRS guidance (whether formal or informal). 

AGGREGATION                                                                     

If you purchase two or more deferred annuity contracts from us (or our          
affiliates) during the same calendar year (after October 21, 1988), the law     
requires that all such contracts must be treated as a single contract for       
purposes of determining whether any payments not received as an annuity (e.g.,  
withdrawals) will be includible in income. Aggregation could affect the amount  
of a withdrawal that is taxable and subject to the 10% federal income tax       
penalty described above. Since the IRS may require aggregation in other         
circumstances as well, you should consult a tax adviser if you are purchasing   
more than one annuity contract from the same insurance company in a single      
calendar year. Aggregation does not affect distributions paid in the form of an 
annuity (see "Taxation of Payments in Annuity Form" below).                     

EXCHANGES/TRANSFERS                                                             

The annuity contract may be exchanged in whole or in part for another annuity   
contract or a long-term care insurance policy. The exchange for another annuity 
contract may be a tax-free transaction provided that, among other prescribed    
IRS conditions, no amounts are distributed from either contract involved in the 
exchange for 180 days following the date of the exchange - other than Annuity   
Payments                                                                        

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made for life, joint lives, or for a term of 10 years or more. Otherwise, a     
withdrawal or "deemed" distribution may be includible in your taxable income    
(plus a 10% federal income tax penalty) to the extent that the accumulated      
value of your annuity exceeds your investment in the contract (your "gain").    
The opportunity to make partial annuity exchanges was provided by the IRS in    
2011 and some ramifications of such an exchange remain unclear. If the annuity  
contract is exchanged in part for an additional annuity contract, a             
distribution from either contract may be taxable to the extent of the combined  
gain attributable to both contracts, or only to the extent of your gain in the  
contract from which the distribution is paid. It is not clear whether this      
guidance applies to a partial exchange involving long-term care contracts.      
Consult your tax adviser prior to a partial exchange.                           

A transfer of ownership of the contract, or the designation of an Annuitant or  
other Beneficiary who is not also the contract Owner, may result in income or   
gift tax consequences to the contract Owner. You should consult your tax        
adviser if you are considering such a transfer or assignment.                   

DEATH BENEFITS                                                                  

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

After your death, any death benefit determined under the contract must be       
distributed according to certain rules. The method of distribution that is      
required depends on whether you die before or after the Annuity Starting Date.  
If you die on or after the 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    
the 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. Additionally, 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. For contracts owned by a non-natural   
person, the required distribution rules apply upon the death of the Annuitant.  
If there is more than one Annuitant of a contract held by a non-natural person, 
then such required distributions will be triggered by the death of the first    
co-Annuitant.                                                                   

TAXATION OF PAYMENTS IN ANNUITY FORM                                            

When payments are received from the contract in the form of an annuity,         
normally the Annuity Payments are taxable as ordinary income to the extent that 
payments exceed the portion of the payment determined by applying the exclusion 
ratio to the entire payment. The exclusion ratio of a contract is determined at 
the time the contract's accumulated value is converted to an annuity form of    
distribution. Generally, the applicable exclusion ratio is your investment in   
the contract divided by the total payments you are expected to receive based on 
IRS rules which consider such factors, such as the form of annuity and          
mortality. The excludable portion of each Annuity Payment is the return of      
investment in the contract and it is excludable from your taxable income until  
your investment in the contract is fully recovered. We will make this           
calculation for you. However, it is possible that the IRS could conclude that   
the taxable portion of income payments under a Non-Qualified Contract is an     
amount greater - or less - than the taxable amount determined by us and         
reported by us to you and the IRS.                                              

Once you have recovered the investment in the contract, further Annuity         
Payments are fully taxable. If you die before your investment in the contract   
is fully recovered, the balance may be deducted on your last tax return, or if  
Annuity Payments continue after your death, the balance may be deducted by your 
Beneficiary.                                                                    

The IRS has not furnished explicit guidance as to how the excludable amount is  
to be determined each year under variable income annuities that permit          
transfers between a fixed annuity option and variable investment options, as    
well as transfers between investment options after the Annuity Starting Date.   
Once Annuity Payments have commenced, you may not be able to make transfer      
withdrawals to another Non-Qualified Contract or a long-term care contract in a 
tax-free exchange.                                                              

If you receive 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                                                                           

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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 additional Purchase Payments or withdrawals           
(including tax-free transfers or rollovers of income payments) from the         
contract.                                                                       

If the contract allows, you may elect to convert less than the full value of    
your contract to an annuity form of pay-out (i.e., "partial annuitization"). In 
this case, your investment in the contract will be pro-rated between the        
annuitized portion of the contract and the deferred portion. An exclusion ratio 
will apply to the Annuity Payments as described above, provided the annuity     
form you elect is payable for at least 10 years or for the life of one or more  
individuals.                                                                    

3.8% TAX ON NET INVESTMENT INCOME                                               

Federal tax law imposes a 3.8% Medicare tax on the lesser of:                   

(1)    the taxpayer's "net investment income," (from non-qualified              
    annuities, interest, dividends, and other investments, offset by specified
allowable deductions), or                                             

(2)    the taxpayer's modified adjusted gross income in excess of a specified   
 income threshold ($250,000 for married couples filing jointly, $125,000
for married couples filing separately, and $200,000 otherwise).       

"Net investment income" in Item 1 above does not include distributions from tax 
qualified plans, (i.e., arrangements described in Code Sections 401(a), 403(a), 
403(b), 408, 408A, or 457(b)), but such income will increase modified adjusted  
gross income in Item 2 above.                                                   

You should consult your tax adviser regarding the applicability of this tax to  
income under your annuity contract.                                             

PUERTO RICO TAX CONSIDERATIONS                                                  

The Puerto Rico Internal Revenue Code of 2011 (the "2011 PR Code") taxes        
distributions from Non-Qualified Contracts differently than in the U.S.         

Distributions that are not in the form of an annuity (including partial         
surrenders and period certain payments) are treated under the 2011 PR Code      
first as a return of investment. Therefore, a substantial portion of the        
amounts distributed generally will be excluded from gross income for Puerto     
Rico tax purposes until the cumulative amount paid exceeds your tax basis.      

The amount of income on annuity distributions in annuity form (payable over     
your lifetime) is also calculated differently under the 2011 PR Code. Since the 
U.S. source income generated by a Puerto Rico bona fide resident is subject to  
U.S. income tax and the IRS issued guidance in 2004 which indicated that the    
income from an annuity contract issued by a U.S. life insurer would be          
considered U.S. source income, the timing of recognition of income from an      
annuity contract could vary between the two jurisdictions. Although the 2011 PR 
Code provides a credit against the Puerto Rico income tax for U.S. income taxes 
paid, an individual may not get full credit because of the timing differences.  
You should consult with a personal tax adviser regarding the tax consequences   
of purchasing an annuity contract and/or any proposed distribution,             
particularly a partial distribution or election to annuitize if you are a       
resident of Puerto Rico.                                                        

QUALIFIED 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 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            

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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 and qualified governmental excess benefit            
arrangement to provide benefits to certain employees in the plan. The tax rules 
regarding these plans are complex. We do not provide tax advice. 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 are limited under qualified plans. 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 which 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 as "pay-outs" of SIMPLE IRAs, the contract     
will only accept a single Purchase Payment consisting of a transfer or rollover 
from another SIMPLE IRA. 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 withdraw as well as income earned under   
the contract. Withdrawals attributable to any after-tax contributions are your  
basis in the contract and not subject to income tax (except for the portion of  
the withdrawal allocable to earnings). 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 are free from 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  
withhold is determined by the Code.                                             

GUARANTEED WITHDRAWAL BENEFITS                                                  

If you have purchased the Lifetime Withdrawal Guarantee benefit (LWG), where    
otherwise made available, note the following:                                   

In the event that the Account Value goes to zero, and either the Remaining      
Guaranteed Withdrawal Amount is paid out in fixed installments or the Annual    
Benefit Payment is paid for life, we will treat such payments as income Annuity 
Payments under the tax law and allow recovery of any remaining basis ratably    
over the expected number of payments.                                           

In determining your required minimum distribution each year, the actuarial      
value of this benefit as of the prior December 31 must be taken into account in 
addition to the Account Value of the contract.                                  

If you have purchased the GWB I or LWG, where otherwise made available, note    
the following:                                                                  

The tax treatment of withdrawals under such a benefit is uncertain. It is       
conceivable that the amount of potential gain could be determined based on the  
remaining amount guaranteed to be available for withdrawal at the time of the   
withdrawal if greater than the Account Value (prior to                          

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withdrawal charges). This could result in a greater amount of taxable income in 
certain cases. In general, at the present time, we intend to report such        
withdrawals using the Account Value rather than the remaining benefit to        
determine gain. However, in cases where the maximum permitted withdrawal in any 
year under any version of the Guaranteed Withdrawal Benefit exceeds the Account 
Value, the portion of the withdrawal treated as taxable gain (not to exceed the 
amount of the withdrawal) should be measured as the difference between the      
maximum permitted withdrawal amount under the benefit and the remaining         
after-tax basis immediately preceding the withdrawal. Consult your tax adviser. 

In the event that the Account Value goes to zero, and either the Benefit Base   
(for the GWB I) or the Remaining Guaranteed Withdrawal Amount (for the LWG) is  
paid out in fixed installments or the Annual Benefit Payment (for the LWG) is   
paid for life, we will treat such payments as income Annuity Payments under the 
tax law and allow recovery of any remaining basis ratably over the expected     
number of payments.                                                             

We reserve the right to change our tax reporting practices where we determine   
that they are not in accordance with IRS guidance (whether formal or informal). 

WITHDRAWALS PRIOR TO AGE 59 1/2                                                 

A taxable withdrawal or distribution 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. The penalty rate is 25% for SIMPLE plan contracts if the distribution  
occurs within the first 2 years of your participation in the plan.              

These exceptions include distributions 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 joint lives 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 additional Purchase Payments or   
withdrawals (including tax-free transfers or rollovers of income payments) from 
the contract.                                                                   

In addition, a withdrawal or distribution from a Qualified 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 may be applicable in connection with the exceptions enumerated above.     

COMMUTATION FEATURES UNDER INCOME PAYMENT TYPES                                 

Please be advised that the tax consequences resulting from the election of an   
income payment types containing a commutation feature are uncertain and the IRS 
may determine that the taxable amount of income payments and withdrawals        
received for any year could be greater than or less than the taxable amount     
reported by us. The exercise of the commutation feature also may result in      
adverse tax consequences including:                                             

o  The imposition of a 10% federal income tax penalty on the taxable amount of  
the commuted value, if the taxpayer has not attained age 59 1/2 at the
time the                                                              

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   withdrawal is made. This 10% federal income tax penalty is in addition to
the ordinary income tax on the taxable amount of the commuted value.  

o  The retroactive imposition of the 10% federal income tax penalty on income   
payments received prior to the taxpayer attaining age 59 1/2.         

o  The possibility that the exercise of the commutation feature could adversely 
affect the amount excluded from federal income tax under any income   
payments made after such commutation.                                 

A payee should consult with his or her own tax adviser prior to electing to     
annuitize the contract and prior to exercising any commutation feature under an 
income payment type.                                                            

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.                                                      

You may make rollovers and direct transfers into your SIMPLE IRA annuity        
contract from another SIMPLE IRA annuity contract or account. No other          
rollovers or transfers can be made to your SIMPLE IRA. Rollovers and direct     
transfers from a SIMPLE IRA can only be made to another SIMPLE IRA or account   
during the first two years that you participate in the SIMPLE IRA plan. After   
this two year period, rollovers and transfers may be made from your SIMPLE IRA  
into a Traditional IRA or account, as well as into another SIMPLE IRA.          

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

(a)    minimum distribution requirements, or                                    

(b)    financial hardship.                                                      

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 assign or transfer a withdrawal from 
this contract directly into 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 requires different withholding rules which    
determine the withholding amounts.                                              

DEATH BENEFITS                                                                  

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

Distributions required from a Qualified Contract following your death depend on 
whether you die before you had converted your 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. For required minimum distributions following the death of the Annuitant  
of a Qualified Contract, the five-year rule is applied without regard to        
calendar year 2009. For instance, for a contract Owner who died in 2007, the    
five-year period would end in 2013 instead of 2012. The required minimum        
distribution rules are complex, so consult your tax adviser because the         
application of these rules to your                                              

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particular circumstances may have been impacted by the 2009 required minimum    
distribution waiver.                                                            

Additionally, 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 spouse is your Beneficiary, and your contract      
permits, your spouse may delay the start of these payments until December 31 of 
the year in which you would have reached age 70 1/2.                            

If your spouse is your Beneficiary, 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. Alternatively, if your     
spouse is your sole Beneficiary, he or she may elect to rollover the death      
proceeds into his or her own 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 retirement plan withdrawals 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    
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.    

A tax penalty of 50% applies to the amount by which the required minimum        
distribution exceeds the actual distribution.                                   

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 in 
the case of IRAs (including SEPs and SIMPLEs) or 403(b) plans. The minimum      
required 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 your 403(b) plan contracts.   
For SIMPLE IRAs, the aggregate amount of the required distribution may be taken 
from any one or more of your SIMPLE IRAs.                                       

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 Investment 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 same rules with   
respect to minimum distributions required to be made to a Beneficiary after     
your death under other IRAs do apply to Roth IRAs.                              

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           

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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:                                   

(a)    related to Purchase Payments made prior to 1989 and pre-1989 earnings on 
those Purchase Payments;                                              

(b)    is exchanged to another permissible investment under your 403(b) plan;   

(c)    relates to contributions to an annuity contract that are not salary      
reduction elective deferrals, if your plan allows it;                 

(d)    occurs after you die, leave your job or become disabled (as defined by   
the Code);                                                            

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

(f)    relates to distributions attributable to certain TSA plan terminations,  
if the conditions of the Code are met;                                

(g)    relates to rollover or after-tax contributions; or                       

(h)    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.            

ADDITIONAL INFORMATION REGARDING IRAS                                           

PURCHASE PAYMENTS. Traditional IRA Purchase Payments (except for permissible    
rollovers and direct transfers) are generally not permitted after you attain    
age 70 1/2. Except for permissible rollovers and direct transfers, Purchase     
Payments for individuals are limited in the aggregate to the lesser of 100% of  
compensation or the deductible amount established each year under the Code. A   
Purchase Payment up to the deductible amount can also be made for a non-working 
spouse provided the couple's compensation is at least equal to their aggregate  
contributions. Individuals age 50 and older are permitted to make additional    
"catch-up" contributions if they have sufficient compensation. If you or your   
spouse are an active participant in a retirement plan of an employer, your      
deductible contributions may be limited. If you exceed Purchase Payment limits  
you may be subject to a tax penalty.                                            

Roth IRA Purchase Payments for individuals are non-deductible (made on an       
"after tax" basis) and are limited to the lesser of 100% of compensation or the 
annual deductible IRA amount. Individuals age 50 and older can make an          
additional "catch-up" Purchase Payment each year (assuming the individual has   
sufficient compensation). You may contribute up to the annual Purchase Payment  
limit if your modified adjusted gross income does not exceed certain limits.    
You can contribute to a Roth IRA after age 70 1/2. If you exceed Purchase       
Payment limits, you may be subject to a tax penalty.                            

WITHDRAWALS. If and to the extent that Traditional IRA Purchase Payments are    
made on an "after tax" basis, withdrawals would be included in income except    
for the portion that represents a return of non-deductible Purchase Payments.   
This portion is generally determined based upon the ratio of all non-deductible 
Purchase Payments to the total value of all your Traditional IRAs (including    
SEP IRAs and SIMPLE IRAs). We withhold a portion of the amount of your          
withdrawal for income taxes, unless you elect otherwise. The amount we withhold 
is determined by the Code.                                                      

Generally, withdrawal of earnings from Roth IRAs are free from federal income   
tax if: (1) they are made at least five taxable years after your first Purchase 
Payment to a Roth IRA; and (2) they are made on or after the date you reach age 
59 1/2 and upon your death, disability or qualified first-home purchase (up to  
$10,000). Withdrawals from a Roth IRA are made first from Purchase Payments and 
then from earnings. We may be required to withhold a portion of your withdrawal 
for income taxes, unless you elect otherwise. The amount will be determined by  
the Code.                                                                       

CONVERSION. Traditional IRAs may be converted to Roth IRAs. Except to the       
extent you have non-deductible                                                  

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contributions, the amount converted from an existing Traditional IRA into a     
Roth IRA is taxable. Generally, the 10% federal income tax penalty does not     
apply. However, the taxable amount to be converted must be based on the fair    
market value of the entire annuity contract being converted into a Roth IRA.    
Such fair market value, in general, is to be determined by taking into account  
the value of all benefits (both living benefits and death benefits) in addition 
to the Account Value; as well as adding back certain loads and charges incurred 
during the prior twelve month period. Your contract may include such benefits   
and applicable charges. Accordingly, if you are considering such conversion of  
your annuity contract, please consult your tax adviser. The taxable amount may  
exceed the Account Value at the date of conversion.                             

A Roth IRA contract may also be re-characterized as a Traditional IRA, if       
certain conditions are met. Please consult your tax adviser.                    

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. 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.                                

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 recently 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                                          

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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.                                                              

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,   
like Puerto Rico, that does not recognize same-sex marriage.                    

11. OTHER INFORMATION                                                           

METLIFE USA                                                                     

MetLife Insurance Company USA is a stock life insurance company originally      
chartered in Connecticut in 1863 and currently subject to the laws of the State 
of Delaware. MetLife USA was previously known as MetLife Insurance Company of   
Connecticut but changed its name to MetLife Insurance Company USA when it       
changed its state of domicile from Connecticut to Delaware on November 14,      
2014. MetLife USA is licensed to conduct business in all states of the United   
States, except New York, and in the District of Columbia, Puerto Rico, Guam,    
the U.S. and British Virgin Islands and the Bahamas. The company is a           
wholly-owned subsidiary of MetLife, Inc., a publicly-traded company. MetLife,   
Inc., through its subsidiaries and affiliates, is a leading provider of         
insurance and financial services to individuals and institutional customers.    
The company's executive offices are located at 11225 North Community House      
Road, Charlotte, NC 28277.                                                      

Prior to November 17, 2014, the contract was issued by MetLife Investors USA    
Insurance Company (MetLife Investors). On November, 14, 2014, following the     
close of business MetLife Investors merged into MetLife USA and MetLife USA     
replaced MetLife Investors as the issuer of the contract.                       

PrimElite IV is a service mark of Primerica, Inc. MetLife Insurance Company USA 
uses this mark pursuant to a license agreement.                                 

THE SEPARATE ACCOUNT                                                            

We have established a SEPARATE ACCOUNT, MetLife Investors USA Separate Account  
A (Separate Account), to hold the assets that underlie the contracts. The Board 
of Directors of MetLife Investors USA Insurance Company (MetLife Investors)     
adopted a resolution to establish the Separate Account under Delaware insurance 
law on May 29, 1980. On November 14, 2014, following the close of business      
MetLife Investors merged into MetLife USA and the Separate Account became a     
separate account of MetLife USA. We have registered the Separate Account with   
the Securities and Exchange Commission as a unit investment trust under the     
Investment Company Act of 1940. The Separate Account is divided into            
subaccounts.                                                                    

The Separate Account's assets are solely for the benefit of those who invest in 
the Separate Account and no one else, including our creditors. The assets of    
the Separate Account are held in our name on behalf of the Separate Account and 
legally belong to us. All the income, gains and losses (realized or unrealized) 
resulting from these assets are credited to or charged against the contracts    
issued from this Separate Account without regard to our other business.         

We reserve the right to transfer assets of the Separate Account to another      
account, and to modify the structure or operation of the Separate Account,      
subject to necessary regulatory approvals. If we do so, we guarantee that the   
modification will not affect your Account Value.                                

We are obligated to pay all money we owe under the contracts - such as death    
benefits and income payments - even if that amount exceeds the assets in the    
Separate Account. Any such amount that exceeds the assets in the Separate       
Account is paid from our general account. Any amount under any optional death   
benefit, optional Guaranteed Withdrawal Benefit, or optional Lifetime Withdrawal
Guarantee benefit that exceeds the assets in the Separate Account is also paid  
from our general account. Benefit amounts paid from the general account are     
subject to our financial strength and claims paying ability and our             

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long term ability to make such payments. 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. MetLife USA is regulated as an insurance     
company under state law, which generally includes limits on the amount and type 
of investments in our 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.                                               

The investment advisers to certain of the Investment Portfolios offered with    
the contracts or with other variable annuity contracts issued through the       
Separate Account may be regulated as Commodity Pool Operators. While it does    
not concede that the Separate Account is a commodity pool, MetLife USA has      
claimed an exclusion from the definition of the term "commodity pool operator"  
under the Commodities Exchange Act (CEA), and is not subject to registration or 
regulation as a pool operator under the CEA.                                    

DISTRIBUTOR                                                                     

We have entered into a distribution agreement with our affiliate, MetLife       
Investors Distribution Company (Distributor), 1095 Avenue of the Americas, New  
York, NY 10036, for the distribution of the contracts. Distributor 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.                                                 

Distributor, and in certain cases, we, have entered into selling agreements     
with other selling firms for the sale of the contracts. We pay compensation to  
Distributor for sales of the contracts by selling firms. We also pay amounts to 
Distributor that may be used for its operating and other expenses, including    
the following sales expenses: compensation and bonuses for the Distributor's    
management team, advertising expenses, and other expenses of distributing the   
contracts. Distributor's management team also may be eligible for non-cash      
compensation items that we may provide jointly with Distributor. Non-cash items 
include conferences, seminars and trips (including travel, lodging and meals in 
connection therewith), entertainment, merchandise and other similar items.      

Certain Investment Portfolios make payments to Distributor under their          
distribution plans in consideration of services provided and expenses incurred  
by Distributor in distributing shares of the Investment Portfolios. (See "Fee   
Tables and Examples - Investment Portfolio Expenses" and the fund               
prospectuses.) These payments range up to 0.55% of Separate Account assets      
invested in the particular Investment Portfolio.                                

We pay American Funds Distributors, Inc., principal underwriter for the         
American Funds Insurance Series, a percentage of Purchase Payments allocated to 
the following portfolios for the services it provides in marketing the          
portfolios' shares in connection with the contract: the American Funds Bond     
Fund, the American Funds Global Growth Fund, the American Funds Global Small    
Capitalization Fund, the American Funds Growth-Income Fund, and the American    
Funds (Reg. TM) Growth Portfolio.                                               

SELLING FIRMS                                                                   

As noted above, Distributor, and in certain cases, we, have entered into        
selling agreements with selling firms for the sale of the contracts. All        
selling firms receive commissions, and they may also receive some form of       
non-cash compensation. Certain selected selling firms receive additional        
compensation (described below under "Additional Compensation for Selected       
Selling Firms"). These commissions and other incentives or payments are not     
charged directly to contract Owners or the Separate Account. We intend to       
recoup commissions and other sales expenses through fees and charges deducted   
under the contract or from our general account. A portion of the payments made  
to selling firms may be passed on to their sales representatives in accordance  
with the selling firms' internal compensation programs. Those programs may also 
include other types of cash and non-cash compensation and other benefits.       

COMPENSATION PAID TO SELLING FIRMS. We and Distributor pay compensation to all  
selling firms in the form of commissions and may also provide certain types of  
non-cash compensation. The maximum commission payable for contract sales and    
additional Purchase Payments to selling firms is 6% of Purchase Payments, along 
with annual trail commissions up to 0.25% of Account Value (less Purchase       
Payments received within the previous 12 months) for so long as the contract    
remains in effect or as agreed in the selling agreement.                        

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The commission rate paid to selling firms is determined by the estimated first  
year Purchase Payments, or in certain circumstances total Purchase Payments     
made in the first Contract Year. The dollar amount of your estimated first year 
Purchase Payments, or in certain circumstances total Purchase Payments made in  
the first Contract Year, will determine your mortality and expense charge for   
the duration of your contract (see "Expenses - Product Charges - Mortality and  
Expense Charge"). The higher the mortality and expense charge, the higher the   
commission rate the selling firm will receive. The compensation earned by your  
registered representative in connection with the sale of the contract will be   
higher if you do not qualify for a lower mortality and expense charge.          

As described in "Expenses - Product Charges - Mortality and Expense Charge,"    
the mortality and expense charge paid during the first Contract Year is         
determined at contract issue based on your estimate of the total Purchase       
Payments to be made during the first Contract Year. If actual Purchase Payments 
made during the first Contract Year fall into a range of dollar amounts         
corresponding to a higher mortality and expense charge, you will pay that       
higher mortality and expense charge for all subsequent Contract Years. However, 
if actual Purchase Payments made during the first Contract Year fall into a     
range of dollar amounts corresponding to a lower mortality and expense charge   
than did your estimated Purchase Payments, no adjustment will be made. AS A     
RESULT, THE RATE OF COMPENSATION PAID ON PURCHASE PAYMENTS WILL BE HIGHEST WHEN 
YOUR ESTIMATE FALLS INTO THE RANGE OF DOLLAR AMOUNTS CORRESPONDING TO THE       
HIGHEST MORTALITY AND EXPENSE CHARGE, REGARDLESS OF ACTUAL PURCHASE PAYMENTS    
MADE.                                                                           

Please note that if your estimated total Purchase Payments during the first     
Contract Year are just below one of the threshold dollar amounts set out in the 
table under "Expenses-Product Charges-Mortality and Expense Charge," the rate   
of commission will be higher than if your initial Purchase Payment or your      
estimated Purchase Payments are at or just above the threshold dollar amount.   
For example, the rate of commission paid if your estimated total Purchase       
Payments in the first Contract Year are $99,999 is higher than if your          
estimated total Purchase Payments in the first Contract Year are $100,000. In   
addition, any Purchase Payments in excess of your estimated total Purchase      
Payments during the first Contract Year do not reduce your mortality and        
expense charge. For these reasons, your registered representative may have an   
incentive for you to underestimate the total Purchase Payments during the first 
Contract Year.                                                                  

Also, because Purchase Payments made after the first contract anniversary do    
not qualify you for a lower mortality and expense charge, the commission rate   
paid to selling firms, and therefore the total dollar amount of compensation,   
will be higher than if all Purchase Payments were made during the first         
Contract Year and the total amount of Purchase Payments qualified you for a     
lower mortality and expense charge.                                             

We also pay commissions when a contract Owner elects to begin receiving regular 
income payments (referred to as "Annuity Payments"). (See "Annuity Payments     
(The Income Phase).") Distributor may also provide non-cash compensation items  
that we may provide jointly with Distributor. Non-cash items include expenses   
for conference or seminar trips and certain gifts.                              

Ask your registered representative for further information about what payments  
your registered representative and the selling firm for which he or she works   
may receive in connection with your purchase of a contract.                     

ADDITIONAL COMPENSATION FOR SELECTED SELLING FIRMS. We and Distributor have     
entered into distribution arrangements with certain selected selling firms.     
Under these arrangements we and Distributor may pay additional compensation to  
selected selling firms, including marketing allowances, introduction fees,      
persistency payments, preferred status fees and industry conference fees.       
Marketing allowances are periodic payments to certain selling firms, the amount 
of which depends on cumulative periodic (usually quarterly) sales of our        
insurance contracts (including the contracts offered by this prospectus) and    
may also depend on meeting thresholds in the sale of certain of our insurance   
contracts (other than the contracts offered by this prospectus). They may also  
include payments we make to cover the cost of marketing or other support        
services provided for or by registered representatives who may sell our         
products. Introduction fees are payments to selling firms in connection with    
the addition of our products to the selling firm's line of investment products, 
including expenses relating to establishing the data communications systems     
necessary for the selling firm to offer, sell and administer our products.      
Persistency payments are periodic payments based on Account Values of our       
variable insurance contracts                                                    

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(including Account Values of the contracts) or other persistency standards.     
Preferred status fees are paid to obtain preferred treatment of the contracts   
in selling firms' marketing programs, which may include marketing services,     
participation in marketing meetings, listings in data resources and increased   
access to their sales representatives. Industry conference fees are amounts     
paid to cover in part the costs associated with sales conferences and           
educational seminars for selling firms' sales representatives. We and           
Distributor have entered into such distribution agreements with selling firms   
identified in the Statement of Additional Information.                          

The additional types of compensation discussed above are not offered to all     
selling firms. The terms of any particular agreement governing compensation may 
vary among selling firms and the amounts may be significant. The prospect of    
receiving, or the receipt of, additional compensation as described above may    
provide selling firms and/or their sales representatives with an incentive to   
favor sales of the contracts over other variable annuity contracts (or other    
investments) with respect to which selling firm does not receive additional     
compensation, or lower levels of additional compensation. You may wish to take  
such payment arrangements into account when considering and evaluating any      
recommendation relating to the contracts. For more information about any such   
additional compensation arrangements, ask your registered representative. (See  
the Statement of Additional Information -"Distribution" for a list of selling   
firms that received compensation during 2012, as well as the range of           
additional compensation paid.)                                                  

REQUESTS AND ELECTIONS                                                          

We will treat your request for a contract transaction, or your submission of a  
Purchase Payment, as received by us if we receive a request conforming to our   
administrative procedures or a payment at our Annuity Service Center before the 
close of regular trading on the New York Stock Exchange on that day. We will    
treat your submission of a Purchase Payment as received by us if we receive a   
payment at our Annuity Service Center (or a designee receives a payment in      
accordance with the designee's administrative procedures) before the close of   
regular trading on the New York Stock Exchange on that day. If we receive the   
request, or if we (or our designee) receive the payment, after the close of     
trading on the New York Stock Exchange on that day, or if the New York Stock    
Exchange is not open that day, then the request or payment will be treated as   
received on the next day when the New York Stock Exchange is open. Our Annuity  
Service Center is located at P.O. Box 10426, Des Moines, IA 50306-0426. If you  
send your 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.                           

Requests for service may be made:                                               

o  Through your registered representative                                       

o  By telephone at (888) 556-5412, between the hours of 7:30AM and 5:30PM       
    Central Time Monday through Thursday and 7:30AM and 5:00PM Central Time on
Friday                                                                

o  In writing to our Annuity Service Center                                     

o  By fax at (515) 273-4980 or                                                  

o  By Internet at www.metlifeinvestors.com                                      

Some of the requests for service that may be made by telephone or Internet      
include transfers of Account Value (see "Investment Options - Transfers -       
Transfers By Telephone or Other Means") and changes to the allocation of future 
Purchase Payments (see "Purchase - Allocation of Purchase Payments"). We may    
from time to time permit requests for other types of transactions to be made by 
telephone or Internet. All transaction requests must be in a form satisfactory  
to us. Contact us for further information. Some selling firms may restrict the  
ability of their registered representatives to convey transaction requests by   
telephone or Internet on your behalf.                                           

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. If you have any questions, you should contact us or your registered      
representative before submitting the form or request.                           

We will use reasonable procedures such as requiring certain identifying         
information, tape recording the telephone instructions, and providing written   
confirmation of the transaction, in order to confirm that instructions          
communicated by telephone, fax, Internet or other means are genuine. Any        
telephone, fax or Internet instructions reasonably believed by us to be genuine 
will be your responsibility, including losses arising from any errors in the    
communication of instructions. As a result of this policy, you will bear the    
risk of loss. If we do not employ                                               

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reasonable procedures to confirm that instructions communicated by telephone,   
fax or Internet are genuine, we may be liable for any losses due to             
unauthorized or fraudulent transactions. All other requests and elections under 
your contract must be in writing signed by the proper party, must include any   
necessary documentation and must be received at our Annuity Service Center to   
be effective. If acceptable to us, requests or elections relating to            
Beneficiaries and Ownership will take effect as of the date signed unless we    
have already acted in reliance on the prior status. We are not responsible for  
the validity of any written request or action.                                  

Telephone and computer systems may not always be available. Any telephone or    
computer system, whether it is yours, your service provider's, your agent's, or 
ours, can experience outages or slowdowns for a variety of reasons. These       
outages or slowdowns may delay or prevent our processing of your request.       
Although we have taken precautions to help our systems handle heavy use, we     
cannot promise complete reliability under all circumstances. If you experience  
technical difficulties or problems, you should make your transaction request in 
writing to our Annuity Service Center.                                          

CONFIRMING TRANSACTIONS. We will send out written statements confirming that a  
transaction was recently completed. Unless you inform us of any errors within   
60 days of receipt, we will consider these communications to be accurate and    
complete.                                                                       

OWNERSHIP                                                                       

OWNER. You, as the OWNER of the contract, have all the interest and rights      
under the contract.                                                             

These rights include the right to:                                              

o  change the Beneficiary.                                                      

o  change the Annuitant before the annuity date (subject to our underwriting    
and administrative rules).                                            

o  assign the contract (subject to limitation).                                 

o  change the payment option.                                                   

o  exercise all other rights, benefits, options and privileges allowed by the   
contract or us.                                                       

The Owner is as designated at the time the contract is issued, unless changed.  
Any change of Owner is subject to our underwriting rules in effect at the time  
of the request.                                                                 

JOINT OWNER. The contract can be owned by JOINT OWNERS, limited to two natural  
persons. Upon the death of either Owner, the surviving Owner will be the        
primary Beneficiary. Any other Beneficiary designation will be treated as a     
contingent Beneficiary unless otherwise indicated.                              

BENEFICIARY. The BENEFICIARY is the person(s) or entity you name to receive any 
death benefit. The Beneficiary is named at the time the contract is issued      
unless changed at a later date. Unless an irrevocable Beneficiary has been      
named, you can change the Beneficiary at any time before you die. If Joint      
Owners are named, unless you tell us otherwise, the surviving Joint Owner will  
be the primary Beneficiary. Any other Beneficiary designation will be treated   
as a contingent Beneficiary (unless you tell us otherwise).                     

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 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 the Owner last resided, as      
shown on our books and records, or to our state of domicile. (Escheatment is    
the formal, legal name for 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's abandoned or unclaimed property office, it is    
important that you update your Beneficiary designations, including addresses,   
if and as they change. Please call (888) 556-5412 to make such changes.         

ANNUITANT. The ANNUITANT is the natural person(s) on whose life we base annuity 
payments. You can change the Annuitant at any time prior to the annuity date,   
unless an Owner is not a natural person. Any reference to Annuitant includes    
any joint Annuitant under an Annuity Option. The Owner and the Annuitant do not 
have to be the same person except as required under certain sections of the     
Internal Revenue Code.                                                          

ASSIGNMENT. You can assign a Non-Qualified Contract at any time during your     
lifetime. We will not be bound by the assignment until the written notice of    
the assignment is                                                               

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recorded by us. We will not be liable for any payment or other action we take   
in accordance with the contract before we record the assignment. AN ASSIGNMENT  
MAY BE A TAXABLE EVENT.                                                         

If the contract is issued pursuant to a qualified plan, there may be            
limitations on your ability to assign the contract.                             

LEGAL PROCEEDINGS                                                               

In the ordinary course of business, MetLife USA, 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, MetLife USA does not    
believe any such action or proceeding will have a material adverse effect upon  
the Separate Account or upon the ability of MetLife Investors Distribution      
Company to perform its contract with the Separate Account or of MetLife USA to  
meet its obligations under the contracts.                                       

FINANCIAL STATEMENTS                                                            

Our financial statements and the financial statements of the Separate Account   
have been included in the SAI.                                                  

TABLE OF CONTENTS OF THE STATEMENT OF ADDITIONAL INFORMATION                    

Company                                                               

Independent Registered Public Accounting Firm                         

Custodian                                                             

Distribution                                                          

Calculation of Performance Information                                

Annuity Provisions                                                    

Additional Federal Tax Considerations                                 

Condensed Financial Information                                       

Financial Statements                                                  

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION                                                 

The following charts list the Condensed Financial Information (the Accumulation 
Unit value information for the Accumulation Units outstanding) for contracts    
issued as of December 31, 2013. See "Purchase - Accumulation Units" in the      
prospectus for information on how Accumulation Unit values are calculated.      
Chart 1 presents Accumulation Unit values for the lowest possible combination   
of Separate Account product charges and death benefit rider charges, and Chart  
2 presents Accumulation Unit values for the highest possible combination of     
such charges. The Statement of Additional Information (SAI) contains the        
Accumulation Unit values for all other possible combinations of Separate        
Account product charges and death benefit rider charges. (See Page 2 for how to 
obtain a copy of the SAI.)                                                      

                                                        [Enlarge/Download Table]

                       0.95% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT     UNIT VALUE AT         UNITS      
                                   BEGINNING OF         END OF        OUTSTANDING AT 
                                      PERIOD            PERIOD        END OF PERIOD  
                                 ---------------   ---------------   --------------- 
                                                                                     
 AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS)                     
 INVESCO V.I. AMERICAN VALUE SUB-ACCOUNT (SERIES II)                                 
  (FORMERLY INVESCO V.I. VAN KAMPEN AMERICAN VALUE FUND SUB-ACCOUNT (SERIES II) AND  
BEFORE THAT THE                                                                      
  UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF U.S. MID CAP VALUE SUB-ACCOUNT
(CLASS II))                                                                          
  06/01/2007    to  12/31/2007       11.717821         11.050502        12,782.3505  
  01/01/2008    to  12/31/2008       11.050502          6.411912        30,718.7069  
  01/01/2009    to  12/31/2009        6.411912          8.838450        38,685.5000  
  01/01/2010    to  12/31/2010        8.838450         10.696895        37,144.0586  
  01/01/2011    to  12/31/2011       10.696895         10.683554        68,136.0507  
  01/01/2012    to  12/31/2012       10.683554         12.388998        60,789.3073  
  01/01/2013    to  12/31/2013       12.388998         16.436036        76,567.5468  
============   ==== ==========       =========         =========       ============  
 INVESCO V.I. EQUITY AND INCOME SUB-ACCOUNT (SERIES II)                              
  (FORMERLY INVESCO V.I. VAN KAMPEN EQUITY AND INCOME SUB-ACCOUNT (SERIES II) AND    
BEFORE THAT THE                                                                      
  UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF EQUITY AND INCOME SUB-ACCOUNT 
(CLASS II))                                                                          
  06/01/2007    to  12/31/2007       16.355435         15.625792        65,988.9279  
  01/01/2008    to  12/31/2008       15.625792         11.967209       130,783.2221  
  01/01/2009    to  12/31/2009       11.967209         14.519840       180,586.1700  
  01/01/2010    to  12/31/2010       14.519840         16.113025       218,377.5356  
  01/01/2011    to  12/31/2011       16.113025         15.753544       256,883.3842  
  01/01/2012    to  12/31/2012       15.753544         17.536875       283,433.0953  
  01/01/2013    to  12/31/2013       17.536875         21.694021       366,850.0770  
============   ==== ==========       =========         =========       ============  
 INVESCO V.I. GLOBAL REAL ESTATE SUB-ACCOUNT                                         
  06/01/2007    to  12/31/2007       11.136681          9.668684         2,807.4912  
  01/01/2008    to  12/31/2008        9.668684          5.294022         9,034.5752  
  01/01/2009    to  12/31/2009        5.294022          6.874761        29,521.5400  
  01/01/2010    to  12/31/2010        6.874761          7.983722        21,222.8993  
  01/01/2011    to  12/31/2011        7.983722          7.376361        19,448.7532  
  01/01/2012    to  12/31/2012        7.376361          9.340818        32,610.8047  
  01/01/2013    to  12/31/2013        9.340818          9.478058        36,571.8071  
============   ==== ==========       =========         =========       ============  

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       0.95% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                        NUMBER OF   
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT         UNITS     
                                   BEGINNING OF         END OF        OUTSTANDING AT
                                      PERIOD            PERIOD        END OF PERIOD 
                                 ---------------   ---------------   ---------------
                                                                                    
 INVESCO V.I. GROWTH AND INCOME SUB-ACCOUNT (SERIES II)                             
  (FORMERLY INVESCO V.I. VAN KAMPEN GROWTH AND INCOME SUB-ACCOUNT (SERIES II) AND   
BEFORE THAT VAN                                                                     
  KAMPEN LIFE INVESTMENT TRUST - VAN KAMPEN LIT GROWTH AND INCOME SUB-ACCOUNT (CLASS
II))                                                                                
  06/01/2007    to  12/31/2007       29.438765         27.314791        12,416.9677 
  01/01/2008    to  12/31/2008       27.314791         18.341050        63,953.2666 
  01/01/2009    to  12/31/2009       18.341050         22.547720        89,414.4300 
  01/01/2010    to  12/31/2010       22.547720         25.057642       116,157.0493 
  01/01/2011    to  12/31/2011       25.057642         24.259890       159,073.5769 
  01/01/2012    to  12/31/2012       24.259890         27.477095       151,511.9590 
  01/01/2013    to  12/31/2013       27.477095         36.408066       150,362.6552 
============   ==== ==========       =========         =========       ============ 
 INVESCO V.I. INTERNATIONAL GROWTH SUB-ACCOUNT (SERIES II)                          
  06/01/2007    to  12/31/2007       31.477582         31.742601        13,712.4816 
  01/01/2008    to  12/31/2008       31.742601         18.698619        42,098.4123 
  01/01/2009    to  12/31/2009       18.698619         24.988203        67,998.1600 
  01/01/2010    to  12/31/2010       24.988203         27.872868        95,365.8994 
  01/01/2011    to  12/31/2011       27.872868         25.679388       149,191.3973 
  01/01/2012    to  12/31/2012       25.679388         29.315476       162,028.7299 
  01/01/2013    to  12/31/2013       29.315476         34.473626       158,861.8740 
============   ==== ==========       =========         =========       ============ 
 AMERICAN FUNDS INSURANCE SERIES (Reg. TM)                                          
 AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS 2)                                          
  06/01/2007    to  12/31/2007       16.512086         16.635518        16,758.4689 
  01/01/2008    to  12/31/2008       16.635518         14.937432        48,106.4114 
  01/01/2009    to  12/31/2009       14.937432         16.661366        48,776.5900 
  01/01/2010    to  12/31/2010       16.661366         17.567445        40,783.1602 
  01/01/2011    to  12/31/2011       17.567445         18.463890       117,582.3349 
  01/01/2012    to  12/31/2012       18.463890         19.271176       148,052.6942 
  01/01/2013    to  12/31/2013       19.271176         18.676995       118,896.5603 
============   ==== ==========       =========         =========       ============ 
 AMERICAN FUNDS GLOBAL GROWTH SUB-ACCOUNT (CLASS 2)                                 
  06/01/2007    to  12/31/2007       29.867594         30.770331        17,973.6982 
  01/01/2008    to  12/31/2008       30.770331         18.777920        53,861.5303 
  01/01/2009    to  12/31/2009       18.777920         26.469174        73,183.8300 
  01/01/2010    to  12/31/2010       26.469174         29.298701        86,016.7755 
  01/01/2011    to  12/31/2011       29.298701         26.443373       133,641.5717 
  01/01/2012    to  12/31/2012       26.443373         32.101744       143,907.5469 
  01/01/2013    to  12/31/2013       32.101744         41.076324       122,934.5516 
============   ==== ==========       =========         =========       ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       0.95% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                       NUMBER OF   
                                   ACCUMULATION      ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT        UNITS     
                                   BEGINNING OF         END OF       OUTSTANDING AT
                                      PERIOD            PERIOD       END OF PERIOD 
                                 ---------------   ---------------  ---------------
                                                                                   
 AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION SUB-ACCOUNT (CLASS 2)                  
  06/01/2007    to  12/31/2007       36.483473         36.910679        5,405.0664 
  01/01/2008    to  12/31/2008       36.910679         16.992732       11,578.1888 
  01/01/2009    to  12/31/2009       16.992732         27.149589       35,291.1800 
  01/01/2010    to  12/31/2010       27.149589         32.920904       30,855.6317 
  01/01/2011    to  12/31/2011       32.920904         26.367194       41,318.5961 
  01/01/2012    to  12/31/2012       26.367194         30.864168       40,231.2954 
  01/01/2013    to  12/31/2013       30.864168         39.217957       43,084.9549 
============   ==== ==========      ==========        ==========      ============ 
 AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS 2)                                       
  06/01/2007    to  12/31/2007      196.853413        196.674453        8,370.4394 
  01/01/2008    to  12/31/2008      196.674453        109.149026       28,853.2423 
  01/01/2009    to  12/31/2009      109.149026        150.728252       35,726.6000 
  01/01/2010    to  12/31/2010      150.728252        177.195243       46,629.9386 
  01/01/2011    to  12/31/2011      177.195243        168.016565       58,331.9511 
  01/01/2012    to  12/31/2012      168.016565        196.194402       61,656.4396 
  01/01/2013    to  12/31/2013      196.194402        252.840465       49,595.1800 
============   ==== ==========      ==========        ==========      ============ 
 AMERICAN FUNDS GROWTH-INCOME SUB-ACCOUNT (CLASS 2)                                
  06/01/2007    to  12/31/2007      139.574092        133.667565        4,140.7859 
  01/01/2008    to  12/31/2008      133.667565         82.288097       11,546.4446 
  01/01/2009    to  12/31/2009       82.288097        106.974827       17,394.4100 
  01/01/2010    to  12/31/2010      106.974827        118.072022       18,479.7159 
  01/01/2011    to  12/31/2011      118.072022        114.817799       33,291.5063 
  01/01/2012    to  12/31/2012      114.817799        133.608914       30,804.2398 
  01/01/2013    to  12/31/2013      133.608914        176.682140       30,858.6436 
============   ==== ==========      ==========        ==========      ============ 
 FIDELITY (Reg. TM) VARIABLE INSURANCE PRODUCTS                                    
 VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS)                              
  06/01/2007    to  12/31/2007       47.206738         50.321706        9,162.3940 
  01/01/2008    to  12/31/2008       50.321706         28.603529       38,342.9181 
  01/01/2009    to  12/31/2009       28.603529         38.438102       45,018.9100 
  01/01/2010    to  12/31/2010       38.438102         44.588947       71,263.6227 
  01/01/2011    to  12/31/2011       44.588947         43.003573      103,851.8550 
  01/01/2012    to  12/31/2012       43.003573         49.541477      111,889.7356 
  01/01/2013    to  12/31/2013       49.541477         64.357327      117,488.4276 
============   ==== ==========      ==========        ==========      ============ 
 VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS 2)                            
  08/12/2013    to  12/31/2013        5.703165          6.299850       99,050.2761 
============   ==== ==========      ==========        ==========      ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       0.95% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                       NUMBER OF   
                                   ACCUMULATION      ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT        UNITS     
                                   BEGINNING OF         END OF       OUTSTANDING AT
                                      PERIOD            PERIOD       END OF PERIOD 
                                 ---------------   ---------------  ---------------
                                                                                   
 VIP MID CAP SUB-ACCOUNT (SERVICE CLASS 2)                                         
  06/01/2007    to  12/31/2007       42.242271         42.897097        8,273.1076 
  01/01/2008    to  12/31/2008       42.897097         25.661103       36,530.1386 
  01/01/2009    to  12/31/2009       25.661103         35.522872       69,370.3600 
  01/01/2010    to  12/31/2010       35.522872         45.240738       88,641.1341 
  01/01/2011    to  12/31/2011       45.240738         39.950387      127,664.5694 
  01/01/2012    to  12/31/2012       39.950387         45.333338      142,079.3654 
  01/01/2013    to  12/31/2013       45.333338         61.012044      138,785.3568 
============   ==== ==========       =========         =========      ============ 
 FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST                              
 FRANKLIN INCOME SECURITIES SUB-ACCOUNT (CLASS 2)                                  
  06/01/2007    to  12/31/2007       52.472032         50.370203       23,622.0325 
  01/01/2008    to  12/31/2008       50.370203         35.096188       39,278.6263 
  01/01/2009    to  12/31/2009       35.096188         47.138964       48,045.3600 
  01/01/2010    to  12/31/2010       47.138964         52.610849       60,760.2460 
  01/01/2011    to  12/31/2011       52.610849         53.357011       77,178.3877 
  01/01/2012    to  12/31/2012       53.357011         59.536890       97,646.4609 
  01/01/2013    to  12/31/2013       59.536890         67.195806      110,108.4241 
============   ==== ==========       =========         =========      ============ 
 FRANKLIN SMALL CAP VALUE SECURITIES SUB-ACCOUNT (CLASS 2)                         
  06/01/2007    to  12/31/2007       10.247799          8.792875       15,551.4205 
  01/01/2008    to  12/31/2008        8.792875          5.833839       34,822.8144 
  01/01/2009    to  12/31/2009        5.833839          7.463555       59,242.2900 
  01/01/2010    to  12/31/2010        7.463555          9.479518       93,191.5812 
  01/01/2011    to  12/31/2011        9.479518          9.036994      135,611.8886 
  01/01/2012    to  12/31/2012        9.036994         10.597050      222,541.8105 
  01/01/2013    to  12/31/2013       10.597050         14.300797      222,797.7314 
============   ==== ==========       =========         =========      ============ 
 MUTUAL SHARES SECURITIES SUB-ACCOUNT (CLASS 2)                                    
  06/01/2007    to  12/31/2007       27.372813         25.457519       16,666.5815 
  01/01/2008    to  12/31/2008       25.457519         15.858665       38,586.9723 
  01/01/2009    to  12/31/2009       15.858665         19.800586       45,777.7000 
  01/01/2010    to  12/31/2010       19.800586         21.809155       48,474.7767 
  01/01/2011    to  12/31/2011       21.809155         21.378284       70,212.8335 
  01/01/2012    to  12/31/2012       21.378284         24.191323       66,404.7638 
  01/01/2013    to  12/31/2013       24.191323         30.734779       66,230.4870 
============   ==== ==========       =========         =========      ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       0.95% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                        NUMBER OF   
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT         UNITS     
                                   BEGINNING OF         END OF        OUTSTANDING AT
                                      PERIOD            PERIOD        END OF PERIOD 
                                 ---------------   ---------------   ---------------
                                                                                    
 TEMPLETON GLOBAL BOND SECURITIES SUB-ACCOUNT                                       
  06/01/2007    to  12/31/2007       12.659419         13.183601        10,395.8392 
  01/01/2008    to  12/31/2008       13.183601         13.869120        70,812.6930 
  01/01/2009    to  12/31/2009       13.869120         16.304606        57,539.9000 
  01/01/2010    to  12/31/2010       16.304606         18.483967        95,869.5530 
  01/01/2011    to  12/31/2011       18.483967         18.150202       193,341.5081 
  01/01/2012    to  12/31/2012       18.150202         20.686273       263,225.3291 
  01/01/2013    to  12/31/2013       20.686273         20.824525       287,760.7686 
============   ==== ==========       =========         =========       ============ 
 LEGG MASON PARTNERS VARIABLE EQUITY TRUST                                          
 CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I)                       
  (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I))
  06/01/2007    to  12/31/2007       16.139666         15.262555        61,467.7298 
  01/01/2008    to  12/31/2008       15.262555          9.009284        89,394.2570 
  01/01/2009    to  12/31/2009        9.009284         12.008979        99,776.7200 
  01/01/2010    to  12/31/2010       12.008979         14.870580       120,566.7696 
  01/01/2011    to  12/31/2011       14.870580         15.094226       136,901.5127 
  01/01/2012    to  12/31/2012       15.094226         17.750083       165,773.3722 
  01/01/2013    to  12/31/2013       17.750083         25.983265       172,550.2475 
============   ==== ==========       =========         =========       ============ 
 CLEARBRIDGE VARIABLE ALL CAP VALUE SUB-ACCOUNT (CLASS I)                           
  (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE FUNDAMENTAL ALL CAP VALUE SUB-ACCOUNT   
(CLASS I))                                                                          
  06/01/2007    to  12/31/2007       40.509698         37.718239        19,607.8378 
  01/01/2008    to  12/31/2008       37.718239         23.695116        28,688.1418 
  01/01/2009    to  12/31/2009       23.695116         30.361880        34,721.0700 
  01/01/2010    to  12/31/2010       30.361880         35.068692        29,495.4677 
  01/01/2011    to  12/31/2011       35.068692         32.585485        33,109.1803 
  01/01/2012    to  12/31/2012       32.585485         37.110335        40,960.2139 
  01/01/2013    to  12/31/2013       37.110335         48.583491        37,856.5270 
============   ==== ==========       =========         =========       ============ 
 CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I)                            
  (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I))     
  06/01/2007    to  12/31/2007       36.356433         36.423778        17,387.6882 
  01/01/2008    to  12/31/2008       36.423778         25.502878        32,006.3507 
  01/01/2009    to  12/31/2009       25.502878         30.848624        57,035.5500 
  01/01/2010    to  12/31/2010       30.848624         34.415155        79,411.2760 
  01/01/2011    to  12/31/2011       34.415155         34.978147       116,853.0934 
  01/01/2012    to  12/31/2012       34.978147         40.171533       131,745.8313 
  01/01/2013    to  12/31/2013       40.171533         51.729615       128,597.5080 
============   ==== ==========       =========         =========       ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       0.95% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                        NUMBER OF   
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT         UNITS     
                                   BEGINNING OF         END OF        OUTSTANDING AT
                                      PERIOD            PERIOD        END OF PERIOD 
                                 ---------------   ---------------   ---------------
                                                                                    
 CLEARBRIDGE VARIABLE EQUITY INCOME SUB-ACCOUNT (CLASS II)                          
  (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE EQUITY INCOME BUILDER SUB-ACCOUNT (CLASS
II))                                                                                
  11/12/2007    to  12/31/2007       15.079966         15.404383             0.0000 
  01/01/2008    to  12/31/2008       15.404383          9.924184         8,741.5473 
  01/01/2009    to  12/31/2009        9.924184         12.055225        16,325.3600 
  01/01/2010    to  12/31/2010       12.055225         13.388208        18,136.3358 
  01/01/2011    to  12/31/2011       13.388208         14.284426        55,026.0880 
  01/01/2012    to  12/31/2012       14.284426         16.140385        58,567.1188 
  01/01/2013    to  12/31/2013       16.140385         20.093938       103,069.1623 
============   ==== ==========       =========         =========       ============ 
 CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I)                        
  (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I)) 
  06/01/2007    to  12/31/2007       18.013223         17.745869             0.0000 
  01/01/2008    to  12/31/2008       17.745869         10.421781           928.8673 
  01/01/2009    to  12/31/2009       10.421781         14.738966         8,965.5100 
  01/01/2010    to  12/31/2010       14.738966         18.276335        20,669.5803 
  01/01/2011    to  12/31/2011       18.276335         18.354961        22,550.6420 
  01/01/2012    to  12/31/2012       18.354961         21.712623        49,249.6731 
  01/01/2013    to  12/31/2013       21.712623         31.626723        61,952.9195 
============   ==== ==========       =========         =========       ============ 
 LEGG MASON VARIABLE LIFESTYLE ALLOCATION 50% SUB-ACCOUNT                           
  05/03/2010    to  12/31/2010       17.259051         18.315294             0.0000 
  01/01/2011    to  12/31/2011       18.315294         18.355175             0.0000 
  01/01/2012    to  12/31/2012       18.355175         20.561593         2,822.2482 
  01/01/2013    to  12/31/2013       20.561593         23.490348        71,962.9725 
============   ==== ==========       =========         =========       ============ 
 LEGG MASON VARIABLE LIFESTYLE ALLOCATION 85% SUB-ACCOUNT                           
  06/01/2007    to  12/31/2007       17.343117         16.414055        73,560.5678 
  01/01/2008    to  12/31/2008       16.414055         10.175039       124,872.6642 
  01/01/2009    to  12/31/2009       10.175039         13.352086       126,306.2100 
  01/01/2010    to  12/31/2010       13.352086         15.302134       160,716.6490 
  01/01/2011    to  12/31/2011       15.302134         14.807712       109,499.8434 
  01/01/2012    to  12/31/2012       14.807712         16.997405       116,366.8727 
  01/01/2013    to  12/31/2013       16.997405         21.298194        88,829.4075 
============   ==== ==========       =========         =========       ============ 
 LEGG MASON PARTNERS VARIABLE INCOME TRUST                                          
 WESTERN ASSET VARIABLE GLOBAL HIGH YIELD BOND SUB-ACCOUNT (CLASS I)                
  06/01/2007    to  12/31/2007       18.119420         17.219054             0.0000 
  01/01/2008    to  12/31/2008       17.219054         11.798571        15,175.8777 
  01/01/2009    to  12/31/2009       11.798571         18.179915        25,477.8500 
  01/01/2010    to  12/31/2010       18.179915         20.695058        27,476.5792 
  01/01/2011    to  12/31/2011       20.695058         20.850846        40,448.7210 
  01/01/2012    to  12/31/2012       20.850846         24.437921        63,633.1906 
  01/01/2013    to  12/31/2013       24.437921         25.724640        85,739.2204 
============   ==== ==========       =========         =========       ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                     0.95% SEPARATE ACCOUNT PRODUCT CHARGES                                     
                                                                                                   NUMBER OF    
                                                             ACCUMULATION      ACCUMULATION       ACCUMULATION  
                                                            UNIT VALUE AT     UNIT VALUE AT          UNITS      
                                                             BEGINNING OF         END OF         OUTSTANDING AT 
                                                                PERIOD            PERIOD         END OF PERIOD  
                                                           ---------------   ---------------   -----------------
                                                                                                                
 MET INVESTORS SERIES TRUST                                                                                     
 AMERICAN FUNDS (Reg. TM) GROWTH SUB-ACCOUNT (CLASS C)                                                          
   08/12/2013                             to  12/31/2013        1.181135          1.316256         947,017.3403 
=============                            ==== ==========       =========         =========         ============ 
 BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                                                     
   04/30/2012                             to  12/31/2012       24.023273         25.920908          24,085.7621 
   01/01/2013                             to  12/31/2013       25.920908         28.072241          24,857.4426 
=============                            ==== ==========       =========         =========         ============ 
 CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                            
  (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))                                     
   05/02/2011                             to  12/31/2011        7.277211          6.615825         141,635.4552 
   01/01/2012                             to  12/31/2012        6.615825          7.765768         126,455.8870 
   01/01/2013                             to  12/31/2013        7.765768         11.200188         104,940.8168 
=============                            ==== ==========       =========         =========         ============ 
 CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                            
  (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT LEGG                 
  MASON VALUE EQUITY SUB-ACCOUNT (CLASS B))                                                                     
   06/01/2007                             to  12/31/2007       12.118972         10.462964          43,455.6884 
   01/01/2008                             to  12/31/2008       10.462964          4.703545         131,731.1320 
   01/01/2009                             to  12/31/2009        4.703545          6.428143         142,183.4400 
   01/01/2010                             to  12/31/2010        6.428143          6.834420         139,898.4152 
   01/01/2011                             to  04/29/2011        6.834420          7.277779               0.0000 
=============                            ==== ==========       =========         =========         ============ 
 HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                                             
   04/30/2012                             to  12/31/2012       19.506232         22.612712           5,901.3346 
   01/01/2013                             to  12/31/2013       22.612712         29.228285          25,487.3795 
=============                            ==== ==========       =========         =========         ============ 
 INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                         
  (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B))                                                          
   05/04/2009                             to  12/31/2009       10.231222         12.821463          97,276.9200 
   01/01/2010                             to  12/31/2010       12.821463         14.589633         117,409.7651 
   01/01/2011                             to  12/31/2011       14.589633         14.240519         133,526.7975 
   01/01/2012                             to  12/31/2012       14.240519         16.717675         125,697.1413 
   01/01/2013                             to  12/31/2013       16.717675         22.420526         123,208.8937 
=============                            ==== ==========       =========         =========         ============ 
 INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                         
  (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B) AND BEFORE THAT VAN KAMPEN LIFE INVESTMENT                
  TRUST - VAN KAMPEN LIT COMSTOCK SUB-ACCOUNT (CLASS II))                                                       
   06/01/2007                             to  12/31/2007       17.892545         16.008904          34,101.6980 
   01/01/2008                             to  12/31/2008       16.008904         10.179951          70,711.5635 
   01/01/2009                             to  05/01/2009       10.179951          9.894492               0.0000 
=============                            ==== ==========       =========         =========         ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       0.95% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                       NUMBER OF   
                                   ACCUMULATION      ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT        UNITS     
                                   BEGINNING OF         END OF       OUTSTANDING AT
                                      PERIOD            PERIOD       END OF PERIOD 
                                 ---------------   ---------------  ---------------
                                                                                   
 INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                    
  06/01/2007    to  12/31/2007       17.088276         16.487650       16,247.2340 
  01/01/2008    to  12/31/2008       16.487650         10.006485       18,307.9892 
  01/01/2009    to  12/31/2009       10.006485         13.264076       14,885.0000 
  01/01/2010    to  12/31/2010       13.264076         16.578824       25,652.7033 
  01/01/2011    to  12/31/2011       16.578824         16.244891       53,569.6881 
  01/01/2012    to  12/31/2012       16.244891         19.023975       49,757.9837 
  01/01/2013    to  12/31/2013       19.023975         26.414943       43,769.2471 
============   ==== ==========       =========         =========      ============ 
 LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                
  04/30/2012    to  12/31/2012       14.614180         15.056127            0.0000 
  01/01/2013    to  12/31/2013       15.056127         17.468230       10,858.9626 
============   ==== ==========       =========         =========      ============ 
 MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                       
  06/01/2007    to  12/31/2007       11.784855         14.222618        4,491.5221 
  01/01/2008    to  12/31/2008       14.222618          6.264742       46,903.5822 
  01/01/2009    to  12/31/2009        6.264742         10.484031       71,434.8200 
  01/01/2010    to  12/31/2010       10.484031         12.841620      106,855.1974 
  01/01/2011    to  12/31/2011       12.841620         10.341248      146,785.6614 
  01/01/2012    to  12/31/2012       10.341248         12.178515      178,293.3522 
  01/01/2013    to  12/31/2013       12.178515         11.462506      198,870.9139 
============   ==== ==========       =========         =========      ============ 
 MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                        
  06/01/2007    to  12/31/2007       18.085933         18.476212       14,966.9437 
  01/01/2008    to  12/31/2008       18.476212         10.547843       21,669.3021 
  01/01/2009    to  12/31/2009       10.547843         13.746200       16,776.4500 
  01/01/2010    to  12/31/2010       13.746200         15.169141       23,095.6222 
  01/01/2011    to  12/31/2011       15.169141         13.416162       33,661.6486 
  01/01/2012    to  12/31/2012       13.416162         15.508940       38,327.9220 
  01/01/2013    to  12/31/2013       15.508940         18.320688       37,160.3047 
============   ==== ==========       =========         =========      ============ 
 MORGAN STANLEY MID CAP GROWTH SUB-ACCOUNT (CLASS B)                               
  06/01/2007    to  12/31/2007       12.789190         13.501680       21,636.0257 
  01/01/2008    to  12/31/2008       13.501680          7.121226       58,193.3355 
  01/01/2009    to  12/31/2009        7.121226         11.093812       44,346.3900 
  01/01/2010    to  12/31/2010       11.093812         14.514940       67,429.6049 
  01/01/2011    to  12/31/2011       14.514940         13.382780      131,428.8248 
  01/01/2012    to  12/31/2012       13.382780         14.486002      139,003.0032 
  01/01/2013    to  12/31/2013       14.486002         19.948581      151,981.9135 
============   ==== ==========       =========         =========      ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       0.95% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                        NUMBER OF   
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT         UNITS     
                                   BEGINNING OF         END OF        OUTSTANDING AT
                                      PERIOD            PERIOD        END OF PERIOD 
                                 ---------------   ---------------   ---------------
                                                                                    
 OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                    
  06/01/2007    to  12/31/2007       22.077803         21.237243         6,894.5473 
  01/01/2008    to  12/31/2008       21.237243         12.504204         4,922.5863 
  01/01/2009    to  12/31/2009       12.504204         17.315806         2,366.3300 
  01/01/2010    to  12/31/2010       17.315806         19.883957             0.0000 
  01/01/2011    to  12/31/2011       19.883957         18.040869             0.0000 
  01/01/2012    to  12/31/2012       18.040869         21.653369             0.0000 
  01/01/2013    to  12/31/2013       21.653369         27.264098        38,755.1983 
============   ==== ==========       =========         =========       ============ 
 OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                    
  (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B))                             
  05/03/2010    to  12/31/2010        8.791511          9.231599             0.0000 
  01/01/2011    to  12/31/2011        9.231599          8.513842        81,023.1101 
  01/01/2012    to  12/31/2012        8.513842         10.306291        82,044.8023 
  01/01/2013    to  04/26/2013       10.306291         10.972356             0.0000 
============   ==== ==========       =========         =========       ============ 
 OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                    
  (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT FRANKLIN     
TEMPLETON VARIABLE                                                                  
  INSURANCE PRODUCTS TRUST - TEMPLETON GROWTH SECURITIES SUB-ACCOUNT (CLASS 2))     
  06/01/2007    to  12/31/2007       15.396616         14.547592        20,248.2158 
  01/01/2008    to  12/31/2008       14.547592          8.310929        35,016.7441 
  01/01/2009    to  12/31/2009        8.310929         10.792884        53,388.3500 
  01/01/2010    to  12/31/2010       10.792884         11.481389        45,935.3928 
  01/01/2011    to  04/29/2011       11.481389         12.828569             0.0000 
============   ==== ==========       =========         =========       ============ 
 PIONEER FUND SUB-ACCOUNT (CLASS A)                                                 
  06/01/2007    to  12/31/2007       22.887914         21.706640             0.0000 
  01/01/2008    to  12/31/2008       21.706640         14.440755        25,525.9366 
  01/01/2009    to  12/31/2009       14.440755         17.720828        58,611.1000 
  01/01/2010    to  12/31/2010       17.720828         20.400850       119,517.8810 
  01/01/2011    to  12/31/2011       20.400850         19.289436       179,392.8894 
  01/01/2012    to  12/31/2012       19.289436         21.129602       171,966.7407 
  01/01/2013    to  12/31/2013       21.129602         27.852667       150,700.1756 
============   ==== ==========       =========         =========       ============ 
 PIONEER FUND SUB-ACCOUNT (CLASS B)                                                 
  08/12/2013    to  12/31/2013        2.507100          2.744156        55,639.4029 
============   ==== ==========       =========         =========       ============ 
 PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS A)                                     
  06/01/2007    to  12/31/2007       20.323324         21.051383        37,005.8907 
  01/01/2008    to  12/31/2008       21.051383         18.611999       123,043.6164 
  01/01/2009    to  12/31/2009       18.611999         24.536094       215,947.0300 
  01/01/2010    to  12/31/2010       24.536094         27.263311       320,647.7964 
  01/01/2011    to  12/31/2011       27.263311         27.986199       464,636.4671 
  01/01/2012    to  12/31/2012       27.986199         30.942737       517,475.8781 
  01/01/2013    to  12/31/2013       30.942737         31.123668       530,341.2169 
============   ==== ==========       =========         =========       ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                     0.95% SEPARATE ACCOUNT PRODUCT CHARGES                                     
                                                                                                   NUMBER OF    
                                                             ACCUMULATION      ACCUMULATION       ACCUMULATION  
                                                            UNIT VALUE AT     UNIT VALUE AT          UNITS      
                                                             BEGINNING OF         END OF         OUTSTANDING AT 
                                                                PERIOD            PERIOD         END OF PERIOD  
                                                           ---------------   ---------------   -----------------
                                                                                                                
 PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS B)                                                                 
   08/12/2013                             to  12/31/2013        2.928693          2.964113         408,188.7640 
=============                            ==== ==========       =========         =========         ============ 
 METROPOLITAN SERIES FUND                                                                                       
 BLACKROCK BOND INCOME SUB-ACCOUNT (CLASS B)                                                                    
   04/30/2012                             to  12/31/2012       64.160311         66.916768           1,663.6997 
   01/01/2013                             to  12/31/2013       66.916768         65.616240           5,472.1229 
=============                            ==== ==========       =========         =========         ============ 
 BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                           
  (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A))                                            
   05/04/2009                             to  12/31/2009        9.574258         12.109403               0.0000 
   01/01/2010                             to  12/31/2010       12.109403         14.372343               0.0000 
   01/01/2011                             to  12/31/2011       14.372343         12.963125               0.0000 
   01/01/2012                             to  12/31/2012       12.963125         14.685374               0.0000 
   01/01/2013                             to  12/31/2013       14.685374         19.524283               0.0000 
=============                            ==== ==========       =========         =========         ============ 
 BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                           
  (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A) AND BEFORE THAT MET INVESTORS               
  SERIES TRUST - MET/AIM CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A))                                            
   06/01/2007                             to  12/31/2007       17.275370         17.222604               0.0000 
   01/01/2008                             to  12/31/2008       17.222604          9.784897             911.0063 
   01/01/2009                             to  05/01/2009        9.784897          9.320219               0.0000 
=============                            ==== ==========       =========         =========         ============ 
 BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                                                   
   08/12/2013                             to  12/31/2013        2.558243          2.548873         167,937.6411 
=============                            ==== ==========       =========         =========         ============ 
 BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                   
   05/03/2010                             to  12/31/2010       14.690518         14.598288          90,923.3347 
   01/01/2011                             to  12/31/2011       14.598288         14.460652          92,768.8676 
   01/01/2012                             to  12/31/2012       14.460652         14.323195          18,965.0130 
   01/01/2013                             to  12/31/2013       14.323195         14.187783          34,865.1558 
=============                            ==== ==========       =========         =========         ============ 
 BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                   
  (FORMERLY LEGG MASON PARTNERS VARIABLE INCOME TRUST - LEGG MASON WESTERN ASSET VARIABLE MONEY                 
  MARKET SUB-ACCOUNT)                                                                                           
   06/01/2007                             to  12/31/2007       14.286552         14.605969          29,667.6801 
   01/01/2008                             to  12/31/2008       14.605969         14.844274         102,693.3091 
   01/01/2009                             to  12/31/2009       14.844274         14.736821          47,581.0600 
   01/01/2010                             to  04/30/2010       14.736821         14.691665               0.0000 
=============                            ==== ==========       =========         =========         ============ 
 JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                                          
   04/30/2012                             to  12/31/2012       15.046756         14.550098          20,801.1964 
   01/01/2013                             to  12/31/2013       14.550098         19.706583          18,984.4745 
=============                            ==== ==========       =========         =========         ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       0.95% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                        NUMBER OF   
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT         UNITS     
                                   BEGINNING OF         END OF        OUTSTANDING AT
                                      PERIOD            PERIOD        END OF PERIOD 
                                 ---------------   ---------------   ---------------
                                                                                    
 JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                              
  (FORMERLY OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B))                 
  06/01/2007    to  12/31/2007       10.280969         10.645191        26,802.2997 
  01/01/2008    to  12/31/2008       10.645191          5.700282        55,540.9753 
  01/01/2009    to  12/31/2009        5.700282          8.113998        54,865.7600 
  01/01/2010    to  12/31/2010        8.113998          8.792544        38,543.8609 
  01/01/2011    to  12/31/2011        8.792544          8.589343        36,226.7544 
  01/01/2012    to  04/27/2012        8.589343          9.677146             0.0000 
============   ==== ==========       =========         =========       ============ 
 WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                     
  06/01/2007    to  12/31/2007       17.136085         17.608004         9,432.8220 
  01/01/2008    to  12/31/2008       17.608004         17.348271        13,793.6565 
  01/01/2009    to  12/31/2009       17.348271         17.885409       130,240.1800 
  01/01/2010    to  12/31/2010       17.885409         18.689405       140,001.6577 
  01/01/2011    to  12/31/2011       18.689405         19.487980       153,084.9709 
  01/01/2012    to  12/31/2012       19.487980         19.891083       211,319.9746 
  01/01/2013    to  12/31/2013       19.891083         19.524672       162,964.8639 
============   ==== ==========       =========         =========       ============ 
 OPPENHEIMER VARIABLE ACCOUNT FUNDS                                                 
 OPPENHEIMER MAIN STREET SMALL CAP FUND (Reg. TM)/VA SUB-ACCOUNT (SERVICE SHARES)   
  (FORMERLY OPPENHEIMER MAIN STREET SMALL- & MID-CAP FUND (Reg. TM)/VA SUB-ACCOUNT  
(SERVICE SHARES))                                                                   
  07/13/2007    to  12/31/2007       20.134942         17.459821        19,980.9638 
  01/01/2008    to  12/31/2008       17.459821         10.721696        43,982.0314 
  01/01/2009    to  12/31/2009       10.721696         14.537434        66,616.9400 
  01/01/2010    to  12/31/2010       14.537434         17.720175        73,955.8331 
  01/01/2011    to  12/31/2011       17.720175         17.134717       106,101.1931 
  01/01/2012    to  12/31/2012       17.134717         19.970866       115,067.1786 
  01/01/2013    to  12/31/2013       19.970866         27.818217        97,105.8289 
============   ==== ==========       =========         =========       ============ 
 PIONEER VARIABLE CONTRACTS TRUST                                                   
 PIONEER VCT MID CAP VALUE SUB-ACCOUNT (CLASS II)                                   
  06/01/2007    to  12/31/2007       39.131531         35.504612         8,622.9068 
  01/01/2008    to  12/31/2008       35.504612         23.295726        15,243.3864 
  01/01/2009    to  12/31/2009       23.295726         28.904949        19,884.0900 
  01/01/2010    to  12/31/2010       28.904949         33.754834        24,077.7931 
  01/01/2011    to  12/31/2011       33.754834         31.483356        34,762.8350 
  01/01/2012    to  12/31/2012       31.483356         34.560182        33,396.3406 
  01/01/2013    to  12/31/2013       34.560182         45.445910        33,660.5054 
============   ==== ==========       =========         =========       ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       0.95% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                       NUMBER OF   
                                   ACCUMULATION      ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT        UNITS     
                                   BEGINNING OF         END OF       OUTSTANDING AT
                                      PERIOD            PERIOD       END OF PERIOD 
                                 ---------------   ---------------  ---------------
                                                                                   
 THE UNIVERSAL INSTITUTIONAL FUNDS, INC.                                           
 UIF U.S. REAL ESTATE SUB-ACCOUNT (CLASS I)                                        
  06/01/2007    to  12/31/2007       63.379559         49.186659        3,477.5667 
  01/01/2008    to  12/31/2008       49.186659         30.257145       15,698.3375 
  01/01/2009    to  12/31/2009       30.257145         38.469011       22,007.0500 
  01/01/2010    to  12/31/2010       38.469011         49.522754       20,836.9752 
  01/01/2011    to  12/31/2011       49.522754         51.959472       24,642.2550 
  01/01/2012    to  12/31/2012       51.959472         59.615816       28,936.8232 
  01/01/2013    to  12/31/2013       59.615816         60.265046       34,351.2134 
============   ==== ==========       =========         =========       =========== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

CHART 2                                                                         

                                                        [Enlarge/Download Table]

                       1.75% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT     UNIT VALUE AT         UNITS      
                                   BEGINNING OF         END OF        OUTSTANDING AT 
                                      PERIOD            PERIOD        END OF PERIOD  
                                 ---------------   ---------------   --------------- 
                                                                                     
 AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS)                     
 INVESCO V.I. AMERICAN VALUE SUB-ACCOUNT (SERIES II)                                 
  (FORMERLY INVESCO V.I. VAN KAMPEN AMERICAN VALUE FUND SUB-ACCOUNT (SERIES II) AND  
BEFORE THAT THE                                                                      
  UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF U.S. MID CAP VALUE SUB-ACCOUNT
(CLASS II))                                                                          
  06/01/2007    to  12/31/2007       11.670200         10.954306         9,132.8760  
  01/01/2008    to  12/31/2008       10.954306          6.305142        34,180.7065  
  01/01/2009    to  12/31/2009        6.305142          8.622029        45,294.2200  
  01/01/2010    to  12/31/2010        8.622029         10.351908        55,954.4267  
  01/01/2011    to  12/31/2011       10.351908         10.256755       104,325.9335  
  01/01/2012    to  12/31/2012       10.256755         11.798803       131,565.2581  
  01/01/2013    to  12/31/2013       11.798803         15.528406       126,642.4040  
============   ==== ==========       =========         =========       ============  
 INVESCO V.I. EQUITY AND INCOME SUB-ACCOUNT (SERIES II)                              
  (FORMERLY INVESCO V.I. VAN KAMPEN EQUITY AND INCOME SUB-ACCOUNT (SERIES II) AND    
BEFORE THAT THE                                                                      
  UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF EQUITY AND INCOME SUB-ACCOUNT 
(CLASS II))                                                                          
  06/01/2007    to  12/31/2007       15.829456         15.052812       137,756.4952  
  01/01/2008    to  12/31/2008       15.052812         11.436107       209,383.6035  
  01/01/2009    to  12/31/2009       11.436107         13.764905       281,073.6200  
  01/01/2010    to  12/31/2010       13.764905         15.153614       376,852.7365  
  01/01/2011    to  12/31/2011       15.153614         14.697707       483,074.2193  
  01/01/2012    to  12/31/2012       14.697707         16.230459       575,825.9898  
  01/01/2013    to  12/31/2013       16.230459         19.918000       618,005.6940  
============   ==== ==========       =========         =========       ============  
 INVESCO V.I. GLOBAL REAL ESTATE SUB-ACCOUNT                                         
  06/01/2007    to  12/31/2007       11.091896          9.584880         5,222.3262  
  01/01/2008    to  12/31/2008        9.584880          5.206042        11,118.6975  
  01/01/2009    to  12/31/2009        5.206042          6.706608        16,546.9800  
  01/01/2010    to  12/31/2010        6.706608          7.726471        23,831.5630  
  01/01/2011    to  12/31/2011        7.726471          7.081874        40,113.2090  
  01/01/2012    to  12/31/2012        7.081874          8.896106        48,108.7327  
  01/01/2013    to  12/31/2013        8.896106          8.954858        58,248.6185  
============   ==== ==========       =========         =========       ============  

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.75% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                        NUMBER OF   
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT         UNITS     
                                   BEGINNING OF         END OF        OUTSTANDING AT
                                      PERIOD            PERIOD        END OF PERIOD 
                                 ---------------   ---------------   ---------------
                                                                                    
 INVESCO V.I. GROWTH AND INCOME SUB-ACCOUNT (SERIES II)                             
  (FORMERLY INVESCO V.I. VAN KAMPEN GROWTH AND INCOME SUB-ACCOUNT (SERIES II) AND   
BEFORE THAT VAN                                                                     
  KAMPEN LIFE INVESTMENT TRUST - VAN KAMPEN LIT GROWTH AND INCOME SUB-ACCOUNT (CLASS
II))                                                                                
  06/01/2007    to  12/31/2007       15.238992         14.073615        36,387.4908 
  01/01/2008    to  12/31/2008       14.073615          9.374292        97,488.9618 
  01/01/2009    to  12/31/2009        9.374292         11.432514       170,431.7700 
  01/01/2010    to  12/31/2010       11.432514         12.603970       233,027.6932 
  01/01/2011    to  12/31/2011       12.603970         12.105625       323,634.2449 
  01/01/2012    to  12/31/2012       12.105625         13.601178       387,945.1769 
  01/01/2013    to  12/31/2013       13.601178         17.878498       408,285.2771 
============   ==== ==========       =========         =========       ============ 
 INVESCO V.I. INTERNATIONAL GROWTH SUB-ACCOUNT (SERIES II)                          
  06/01/2007    to  12/31/2007       28.124128         28.228762         6,027.9910 
  01/01/2008    to  12/31/2008       28.228762         16.495535        30,293.9452 
  01/01/2009    to  12/31/2009       16.495535         21.868456        56,051.6800 
  01/01/2010    to  12/31/2010       21.868456         24.198796        86,843.2950 
  01/01/2011    to  12/31/2011       24.198796         22.116999       133,465.1013 
  01/01/2012    to  12/31/2012       22.116999         25.046491       169,350.5845 
  01/01/2013    to  12/31/2013       25.046491         29.218895       187,962.6653 
============   ==== ==========       =========         =========       ============ 
 AMERICAN FUNDS INSURANCE SERIES (Reg. TM)                                          
 AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS 2)                                          
  06/01/2007    to  12/31/2007       15.231408         15.273800         4,511.0496 
  01/01/2008    to  12/31/2008       15.273800         13.605088        25,464.7597 
  01/01/2009    to  12/31/2009       13.605088         15.054378        54,215.4300 
  01/01/2010    to  12/31/2010       15.054378         15.746608        93,490.8090 
  01/01/2011    to  12/31/2011       15.746608         16.418641       132,875.0530 
  01/01/2012    to  12/31/2012       16.418641         16.999225       158,808.9239 
  01/01/2013    to  12/31/2013       16.999225         16.343780       168,870.5706 
============   ==== ==========       =========         =========       ============ 
 AMERICAN FUNDS GLOBAL GROWTH SUB-ACCOUNT (CLASS 2)                                 
  06/01/2007    to  12/31/2007       27.550474         28.250986        83,800.4324 
  01/01/2008    to  12/31/2008       28.250986         17.102388       117,187.8489 
  01/01/2009    to  12/31/2009       17.102388         23.915309       131,007.3100 
  01/01/2010    to  12/31/2010       23.915309         26.261096       140,549.7932 
  01/01/2011    to  12/31/2011       26.261096         23.513160       160,219.7565 
  01/01/2012    to  12/31/2012       23.513160         28.315982       159,722.0072 
  01/01/2013    to  12/31/2013       28.315982         35.943635       156,529.2143 
============   ==== ==========       =========         =========       ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.75% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                       NUMBER OF   
                                   ACCUMULATION      ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT        UNITS     
                                   BEGINNING OF         END OF       OUTSTANDING AT
                                      PERIOD            PERIOD       END OF PERIOD 
                                 ---------------   ---------------  ---------------
                                                                                   
 AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION SUB-ACCOUNT (CLASS 2)                  
  06/01/2007    to  12/31/2007       33.923925         34.161290        5,080.5960 
  01/01/2008    to  12/31/2008       34.161290         15.600850       18,480.4145 
  01/01/2009    to  12/31/2009       15.600850         24.727275       28,873.6900 
  01/01/2010    to  12/31/2010       24.727275         29.745035       33,541.8680 
  01/01/2011    to  12/31/2011       29.745035         23.633842       48,120.7947 
  01/01/2012    to  12/31/2012       23.633842         27.443086       62,050.5380 
  01/01/2013    to  12/31/2013       27.443086         34.593253       61,182.6957 
============   ==== ==========      ==========        ==========      ============ 
 AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS 2)                                       
  06/01/2007    to  12/31/2007      163.346515        162.437605       34,246.6916 
  01/01/2008    to  12/31/2008      162.437605         89.425899       51,245.3838 
  01/01/2009    to  12/31/2009       89.425899        122.507780       71,224.7500 
  01/01/2010    to  12/31/2010      122.507780        142.872903       78,117.4308 
  01/01/2011    to  12/31/2011      142.872903        134.394528       84,347.6569 
  01/01/2012    to  12/31/2012      134.394528        155.677043       92,025.2932 
  01/01/2013    to  12/31/2013      155.677043        199.026955       88,811.1467 
============   ==== ==========      ==========        ==========      ============ 
 AMERICAN FUNDS GROWTH-INCOME SUB-ACCOUNT (CLASS 2)                                
  06/01/2007    to  12/31/2007      115.820347        110.402198       33,266.7373 
  01/01/2008    to  12/31/2008      110.402198         67.420973       43,093.1787 
  01/01/2009    to  12/31/2009       67.420973         86.949068       58,719.6100 
  01/01/2010    to  12/31/2010       86.949068         95.204755       65,717.9514 
  01/01/2011    to  12/31/2011       95.204755         91.844404       71,887.6124 
  01/01/2012    to  12/31/2012       91.844404        106.019826       77,506.4487 
  01/01/2013    to  12/31/2013      106.019826        139.082350       73,709.7824 
============   ==== ==========      ==========        ==========      ============ 
 FIDELITY (Reg. TM) VARIABLE INSURANCE PRODUCTS                                    
 VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS)                              
  06/01/2007    to  12/31/2007       42.740883         45.349008       27,915.1354 
  01/01/2008    to  12/31/2008       45.349008         25.570354       60,949.0461 
  01/01/2009    to  12/31/2009       25.570354         34.088192       75,607.4900 
  01/01/2010    to  12/31/2010       34.088192         39.228206       87,585.0005 
  01/01/2011    to  12/31/2011       39.228206         37.532473      113,187.1419 
  01/01/2012    to  12/31/2012       37.532473         42.892338      135,805.9207 
  01/01/2013    to  12/31/2013       42.892338         55.275976      145,298.7672 
============   ==== ==========      ==========        ==========      ============ 
 VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS 2)                            
  08/12/2013    to  12/31/2013       49.138625         54.112303        4,709.0434 
============   ==== ==========      ==========        ==========      ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.75% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                       NUMBER OF   
                                   ACCUMULATION      ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT        UNITS     
                                   BEGINNING OF         END OF       OUTSTANDING AT
                                      PERIOD            PERIOD       END OF PERIOD 
                                 ---------------   ---------------  ---------------
                                                                                   
 VIP MID CAP SUB-ACCOUNT (SERVICE CLASS 2)                                         
  06/01/2007    to  12/31/2007       39.488350         39.913655       10,875.8671 
  01/01/2008    to  12/31/2008       39.913655         23.685111       28,549.5368 
  01/01/2009    to  12/31/2009       23.685111         32.526324       50,311.2700 
  01/01/2010    to  12/31/2010       32.526324         41.094769       72,960.5362 
  01/01/2011    to  12/31/2011       41.094769         36.000387      108,503.5387 
  01/01/2012    to  12/31/2012       36.000387         40.523918      141,238.9584 
  01/01/2013    to  12/31/2013       40.523918         54.104996      151,291.1182 
============   ==== ==========       =========         =========      ============ 
 FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST                              
 FRANKLIN INCOME SECURITIES SUB-ACCOUNT (CLASS 2)                                  
  06/01/2007    to  12/31/2007       45.310310         43.292716       36,236.5909 
  01/01/2008    to  12/31/2008       43.292716         29.923443       38,943.7364 
  01/01/2009    to  12/31/2009       29.923443         39.871233       47,910.9500 
  01/01/2010    to  12/31/2010       39.871233         44.145134       53,358.8300 
  01/01/2011    to  12/31/2011       44.145134         44.415260       58,361.6590 
  01/01/2012    to  12/31/2012       44.415260         49.162538       66,799.5054 
  01/01/2013    to  12/31/2013       49.162538         55.044838       70,510.0656 
============   ==== ==========       =========         =========      ============ 
 FRANKLIN SMALL CAP VALUE SECURITIES SUB-ACCOUNT (CLASS 2)                         
  06/01/2007    to  12/31/2007       10.245337          8.749759        2,509.8093 
  01/01/2008    to  12/31/2008        8.749759          5.758713       17,051.1709 
  01/01/2009    to  12/31/2009        5.758713          7.308684       25,868.6700 
  01/01/2010    to  12/31/2010        7.308684          9.208932       38,035.2151 
  01/01/2011    to  12/31/2011        9.208932          8.709189       67,694.2444 
  01/01/2012    to  12/31/2012        8.709189         10.130877      101,733.1793 
  01/01/2013    to  12/31/2013       10.130877         13.562815      116,182.4686 
============   ==== ==========       =========         =========      ============ 
 MUTUAL SHARES SECURITIES SUB-ACCOUNT (CLASS 2)                                    
  06/01/2007    to  12/31/2007       25.154258         23.285169       18,976.8043 
  01/01/2008    to  12/31/2008       23.285169         14.389203       35,203.1099 
  01/01/2009    to  12/31/2009       14.389203         17.822727       43,332.3000 
  01/01/2010    to  12/31/2010       17.822727         19.474353       51,807.0952 
  01/01/2011    to  12/31/2011       19.474353         18.937750       56,808.3885 
  01/01/2012    to  12/31/2012       18.937750         21.258019       56,028.6023 
  01/01/2013    to  12/31/2013       21.258019         26.792985       55,149.2207 
============   ==== ==========       =========         =========      ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.75% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                        NUMBER OF   
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT         UNITS     
                                   BEGINNING OF         END OF        OUTSTANDING AT
                                      PERIOD            PERIOD        END OF PERIOD 
                                 ---------------   ---------------   ---------------
                                                                                    
 TEMPLETON GLOBAL BOND SECURITIES SUB-ACCOUNT                                       
  06/01/2007    to  12/31/2007       11.836211         12.268908         3,840.8145 
  01/01/2008    to  12/31/2008       12.268908         12.803735        18,619.5791 
  01/01/2009    to  12/31/2009       12.803735         14.932217        37,938.3900 
  01/01/2010    to  12/31/2010       14.932217         16.793342        48,070.6724 
  01/01/2011    to  12/31/2011       16.793342         16.359004        87,289.6978 
  01/01/2012    to  12/31/2012       16.359004         18.495458       125,197.8537 
  01/01/2013    to  12/31/2013       18.495458         18.470688       139,115.9801 
============   ==== ==========       =========         =========       ============ 
 LEGG MASON PARTNERS VARIABLE EQUITY TRUST                                          
 CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I)                       
  (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I))
  06/01/2007    to  12/31/2007       14.264256         13.426204       125,965.5309 
  01/01/2008    to  12/31/2008       13.426204          7.861783       167,045.4045 
  01/01/2009    to  12/31/2009        7.861783         10.395885       180,821.5600 
  01/01/2010    to  12/31/2010       10.395885         12.770644       178,895.4956 
  01/01/2011    to  12/31/2011       12.770644         12.859602       188,142.7430 
  01/01/2012    to  12/31/2012       12.859602         15.001145       204,943.7944 
  01/01/2013    to  12/31/2013       15.001145         21.784460       211,991.5231 
============   ==== ==========       =========         =========       ============ 
 CLEARBRIDGE VARIABLE ALL CAP VALUE SUB-ACCOUNT (CLASS I)                           
  (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE FUNDAMENTAL ALL CAP VALUE SUB-ACCOUNT   
(CLASS I))                                                                          
  06/01/2007    to  12/31/2007       36.521987         33.846845        28,167.8982 
  01/01/2008    to  12/31/2008       33.846845         21.092663        42,665.0512 
  01/01/2009    to  12/31/2009       21.092663         26.811748        49,833.8600 
  01/01/2010    to  12/31/2010       26.811748         30.721653        50,573.8244 
  01/01/2011    to  12/31/2011       30.721653         28.319097        56,091.9998 
  01/01/2012    to  12/31/2012       28.319097         31.993213        62,067.0397 
  01/01/2013    to  12/31/2013       31.993213         41.550800        59,672.2393 
============   ==== ==========       =========         =========       ============ 
 CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I)                            
  (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I))     
  06/01/2007    to  12/31/2007       32.462380         32.371025        24,367.5102 
  01/01/2008    to  12/31/2008       32.371025         22.483750        44,991.5418 
  01/01/2009    to  12/31/2009       22.483750         26.979901        61,372.6200 
  01/01/2010    to  12/31/2010       26.979901         29.859490        85,920.1573 
  01/01/2011    to  12/31/2011       29.859490         30.106647       123,135.4835 
  01/01/2012    to  12/31/2012       30.106647         34.299843       143,688.0657 
  01/01/2013    to  12/31/2013       34.299843         43.816790       166,163.4726 
============   ==== ==========       =========         =========       ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.75% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                        NUMBER OF   
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT         UNITS     
                                   BEGINNING OF         END OF        OUTSTANDING AT
                                      PERIOD            PERIOD        END OF PERIOD 
                                 ---------------   ---------------   ---------------
                                                                                    
 CLEARBRIDGE VARIABLE EQUITY INCOME SUB-ACCOUNT (CLASS II)                          
  (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE EQUITY INCOME BUILDER SUB-ACCOUNT (CLASS
II))                                                                                
  11/12/2007    to  12/31/2007       14.475180         14.770706         4,628.7963 
  01/01/2008    to  12/31/2008       14.770706          9.439734        30,077.4997 
  01/01/2009    to  12/31/2009        9.439734         11.375389        43,588.9600 
  01/01/2010    to  12/31/2010       11.375389         12.532613        54,235.1590 
  01/01/2011    to  12/31/2011       12.532613         13.265260        76,865.0190 
  01/01/2012    to  12/31/2012       13.265260         14.868763       109,215.0192 
  01/01/2013    to  12/31/2013       14.868763         18.363406       125,932.2480 
============   ==== ==========       =========         =========       ============ 
 CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I)                        
  (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I)) 
  06/01/2007    to  12/31/2007       14.488874         14.207315        27,355.7954 
  01/01/2008    to  12/31/2008       14.207315          8.276779        27,604.9719 
  01/01/2009    to  12/31/2009        8.276779         11.612105        24,056.9300 
  01/01/2010    to  12/31/2010       11.612105         14.284403        30,868.4103 
  01/01/2011    to  12/31/2011       14.284403         14.231728        38,122.4730 
  01/01/2012    to  12/31/2012       14.231728         16.700297        53,811.9901 
  01/01/2013    to  12/31/2013       16.700297         24.132118        68,244.3643 
============   ==== ==========       =========         =========       ============ 
 LEGG MASON VARIABLE LIFESTYLE ALLOCATION 50% SUB-ACCOUNT                           
  05/03/2010    to  12/31/2010       15.523505         16.386410         3,515.5468 
  01/01/2011    to  12/31/2011       16.386410         16.291515         8,335.2084 
  01/01/2012    to  12/31/2012       16.291515         18.103692        16,654.2107 
  01/01/2013    to  12/31/2013       18.103692         20.517583        23,273.6014 
============   ==== ==========       =========         =========       ============ 
 LEGG MASON VARIABLE LIFESTYLE ALLOCATION 85% SUB-ACCOUNT                           
  06/01/2007    to  12/31/2007       15.968262         15.042419        16,363.8165 
  01/01/2008    to  12/31/2008       15.042419          9.250064        28,415.9346 
  01/01/2009    to  12/31/2009        9.250064         12.041581        55,010.2700 
  01/01/2010    to  12/31/2010       12.041581         13.690364        66,297.8202 
  01/01/2011    to  12/31/2011       13.690364         13.142632        76,002.4387 
  01/01/2012    to  12/31/2012       13.142632         14.965277        82,707.0630 
  01/01/2013    to  12/31/2013       14.965277         18.602546        82,785.4151 
============   ==== ==========       =========         =========       ============ 
 LEGG MASON PARTNERS VARIABLE INCOME TRUST                                          
 WESTERN ASSET VARIABLE GLOBAL HIGH YIELD BOND SUB-ACCOUNT (CLASS I)                
  06/01/2007    to  12/31/2007       16.848743         15.936923        23,078.2678 
  01/01/2008    to  12/31/2008       15.936923         10.832668        20,439.2972 
  01/01/2009    to  12/31/2009       10.832668         16.558771        74,598.8000 
  01/01/2010    to  12/31/2010       16.558771         18.699503        29,512.2820 
  01/01/2011    to  12/31/2011       18.699503         18.690509        38,384.7463 
  01/01/2012    to  12/31/2012       18.690509         21.730494        52,943.4849 
  01/01/2013    to  12/31/2013       21.730494         22.692381        61,260.1596 
============   ==== ==========       =========         =========       ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                      1.75% SEPARATE ACCOUNT PRODUCT CHARGES                                      
                                                                                                    NUMBER OF     
                                                             ACCUMULATION      ACCUMULATION        ACCUMULATION   
                                                            UNIT VALUE AT     UNIT VALUE AT           UNITS       
                                                             BEGINNING OF         END OF          OUTSTANDING AT  
                                                                PERIOD            PERIOD          END OF PERIOD   
                                                           ---------------   ---------------   -------------------
                                                                                                                  
 MET INVESTORS SERIES TRUST                                                                                       
 AMERICAN FUNDS (Reg. TM) GROWTH SUB-ACCOUNT (CLASS C)                                                            
   08/12/2013                             to  12/31/2013       11.320408         12.576555         3,014,569.2270 
=============                            ==== ==========       =========         =========         ============== 
 BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                                                       
   04/30/2012                             to  12/31/2012       21.191769         22.743320           981,519.8349 
   01/01/2013                             to  12/31/2013       22.743320         24.434687           830,339.2561 
=============                            ==== ==========       =========         =========         ============== 
 CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                              
  (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))                                       
   05/02/2011                             to  12/31/2011        8.202138          7.417176         2,092,369.8231 
   01/01/2012                             to  12/31/2012        7.417176          8.636667         1,876,364.4859 
   01/01/2013                             to  12/31/2013        8.636667         12.357081         2,349,066.1444 
=============                            ==== ==========       =========         =========         ============== 
 CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                              
  (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT LEGG                   
  MASON VALUE EQUITY SUB-ACCOUNT (CLASS B))                                                                       
   06/01/2007                             to  12/31/2007       11.966408         10.283068           381,548.3832 
   01/01/2008                             to  12/31/2008       10.283068          4.585552           554,297.9649 
   01/01/2009                             to  12/31/2009        4.585552          6.216925           652,519.2600 
   01/01/2010                             to  12/31/2010        6.216925          6.557220           652,925.8722 
   01/01/2011                             to  04/29/2011        6.557220          6.964406                 0.0000 
=============                            ==== ==========       =========         =========         ============== 
 HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                                               
   04/30/2012                             to  12/31/2012       17.926428         20.670059         2,030,456.0944 
   01/01/2013                             to  12/31/2013       20.670059         26.504545         1,937,964.8981 
=============                            ==== ==========       =========         =========         ============== 
 INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                           
  (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B))                                                            
   05/04/2009                             to  12/31/2009        7.175756          8.945174           825,956.7100 
   01/01/2010                             to  12/31/2010        8.945174         10.097738           887,283.3967 
   01/01/2011                             to  12/31/2011       10.097738          9.777703           958,064.8916 
   01/01/2012                             to  12/31/2012        9.777703         11.386622         1,057,626.4723 
   01/01/2013                             to  12/31/2013       11.386622         15.149305         1,014,461.6831 
=============                            ==== ==========       =========         =========         ============== 
 INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                           
  (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B) AND BEFORE THAT VAN KAMPEN LIFE INVESTMENT                  
  TRUST - VAN KAMPEN LIT COMSTOCK SUB-ACCOUNT (CLASS II))                                                         
   06/01/2007                             to  12/31/2007       16.419356         14.622328            60,216.7462 
   01/01/2008                             to  12/31/2008       14.622328          9.223715            83,569.9314 
   01/01/2009                             to  05/01/2009        9.223715          8.941191                 0.0000 
=============                            ==== ==========       =========         =========         ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                         1.75% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF     
                                   ACCUMULATION      ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS       
                                   BEGINNING OF         END OF         OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD   
                                 ---------------   ---------------  -------------------
                                                                                       
 INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                        
  06/01/2007    to  12/31/2007       16.333578         15.686028        1,054,768.7555 
  01/01/2008    to  12/31/2008       15.686028          9.443675          868,227.7341 
  01/01/2009    to  12/31/2009        9.443675         12.418277          895,988.1400 
  01/01/2010    to  12/31/2010       12.418277         15.398109          846,016.4778 
  01/01/2011    to  12/31/2011       15.398109         14.967924          864,736.8237 
  01/01/2012    to  12/31/2012       14.967924         17.388169          784,137.3610 
  01/01/2013    to  12/31/2013       17.388169         23.951394          745,938.6184 
============   ==== ==========       =========         =========        ============== 
 LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                    
  04/30/2012    to  12/31/2012       13.927955         14.272304          804,009.2089 
  01/01/2013    to  12/31/2013       14.272304         16.426933          684,376.7472 
============   ==== ==========       =========         =========        ============== 
 MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                           
  06/01/2007    to  12/31/2007       11.682217         14.033128          553,272.4136 
  01/01/2008    to  12/31/2008       14.033128          6.131668          684,455.5441 
  01/01/2009    to  12/31/2009        6.131668         10.179606        1,107,585.9100 
  01/01/2010    to  12/31/2010       10.179606         12.369549        1,467,135.4771 
  01/01/2011    to  12/31/2011       12.369549          9.881769        1,629,712.7032 
  01/01/2012    to  12/31/2012        9.881769         11.544206        1,554,775.7798 
  01/01/2013    to  12/31/2013       11.544206         10.778868        1,596,472.0004 
============   ==== ==========       =========         =========        ============== 
 MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                            
  06/01/2007    to  12/31/2007       17.223262         17.512947        1,754,022.5344 
  01/01/2008    to  12/31/2008       17.512947          9.917813        1,735,239.5436 
  01/01/2009    to  12/31/2009        9.917813         12.822103        1,657,959.1500 
  01/01/2010    to  12/31/2010       12.822103         14.036777        1,558,754.1578 
  01/01/2011    to  12/31/2011       14.036777         12.315804        1,451,252.3352 
  01/01/2012    to  12/31/2012       12.315804         14.122923        1,356,246.8699 
  01/01/2013    to  12/31/2013       14.122923         16.550500        1,220,678.8154 
============   ==== ==========       =========         =========        ============== 
 MORGAN STANLEY MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                   
  06/01/2007    to  12/31/2007       12.160601         12.778253           18,745.2155 
  01/01/2008    to  12/31/2008       12.778253          6.685618           47,725.4026 
  01/01/2009    to  12/31/2009        6.685618         10.332240           63,702.9900 
  01/01/2010    to  12/31/2010       10.332240         13.410930           85,188.3210 
  01/01/2011    to  12/31/2011       13.410930         12.266496          129,160.8823 
  01/01/2012    to  12/31/2012       12.266496         13.171308          198,356.4377 
  01/01/2013    to  12/31/2013       13.171308         17.993720          235,389.4485 
============   ==== ==========       =========         =========        ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.75% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                        NUMBER OF   
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT         UNITS     
                                   BEGINNING OF         END OF        OUTSTANDING AT
                                      PERIOD            PERIOD        END OF PERIOD 
                                 ---------------   ---------------   ---------------
                                                                                    
 OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                    
  06/01/2007    to  12/31/2007       20.339570         19.474022         5,272.0906 
  01/01/2008    to  12/31/2008       19.474022         11.374184        13,012.4459 
  01/01/2009    to  12/31/2009       11.374184         15.625418        12,817.3300 
  01/01/2010    to  12/31/2010       15.625418         17.800035        16,240.1497 
  01/01/2011    to  12/31/2011       17.800035         16.021549        16,308.8165 
  01/01/2012    to  12/31/2012       16.021549         19.075725        15,336.6101 
  01/01/2013    to  12/31/2013       19.075725         23.827264        61,282.1456 
============   ==== ==========       =========         =========       ============ 
 OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                    
  (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B))                             
  05/03/2010    to  12/31/2010       13.356459         13.950884         2,790.8672 
  01/01/2011    to  12/31/2011       13.950884         12.763786        34,972.2441 
  01/01/2012    to  12/31/2012       12.763786         15.327269        44,231.9129 
  01/01/2013    to  04/26/2013       15.327269         16.276366             0.0000 
============   ==== ==========       =========         =========       ============ 
 OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                    
  (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT FRANKLIN     
TEMPLETON VARIABLE                                                                  
  INSURANCE PRODUCTS TRUST - TEMPLETON GROWTH SECURITIES SUB-ACCOUNT (CLASS 2))     
  06/01/2007    to  12/31/2007       19.797681         18.618787        16,524.1189 
  01/01/2008    to  12/31/2008       18.618787         10.551561        25,553.1133 
  01/01/2009    to  12/31/2009       10.551561         13.593456        30,636.0900 
  01/01/2010    to  12/31/2010       13.593456         14.345478        31,619.8593 
  01/01/2011    to  04/29/2011       14.345478         15.986985             0.0000 
============   ==== ==========       =========         =========       ============ 
 PIONEER FUND SUB-ACCOUNT (CLASS A)                                                 
  06/01/2007    to  12/31/2007       20.573499         19.420751        11,427.4762 
  01/01/2008    to  12/31/2008       19.420751         12.816556        24,226.0713 
  01/01/2009    to  12/31/2009       12.816556         15.602346        69,915.6100 
  01/01/2010    to  12/31/2010       15.602346         17.818973       115,528.8044 
  01/01/2011    to  12/31/2011       17.818973         16.714191       180,610.2703 
  01/01/2012    to  12/31/2012       16.714191         18.162030       234,704.7727 
  01/01/2013    to  12/31/2013       18.162030         23.750222       244,324.8219 
============   ==== ==========       =========         =========       ============ 
 PIONEER FUND SUB-ACCOUNT (CLASS B)                                                 
  08/12/2013    to  12/31/2013       21.444192         23.399440        73,838.0464 
============   ==== ==========       =========         =========       ============ 
 PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS A)                                     
  06/01/2007    to  12/31/2007       18.693284         19.272788        54,287.9365 
  01/01/2008    to  12/31/2008       19.272788         16.903303        73,465.0731 
  01/01/2009    to  12/31/2009       16.903303         22.106133       117,264.0100 
  01/01/2010    to  12/31/2010       22.106133         24.367609       181,169.3899 
  01/01/2011    to  12/31/2011       24.367609         24.814938       280,091.2678 
  01/01/2012    to  12/31/2012       24.814938         27.216721       359,434.8982 
  01/01/2013    to  12/31/2013       27.216721         27.157692       422,586.7892 
============   ==== ==========       =========         =========       ============ 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                     1.75% SEPARATE ACCOUNT PRODUCT CHARGES                                     
                                                                                                   NUMBER OF    
                                                             ACCUMULATION      ACCUMULATION       ACCUMULATION  
                                                            UNIT VALUE AT     UNIT VALUE AT          UNITS      
                                                             BEGINNING OF         END OF         OUTSTANDING AT 
                                                                PERIOD            PERIOD         END OF PERIOD  
                                                           ---------------   ---------------   -----------------
                                                                                                                
 PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS B)                                                                 
   08/12/2013                             to  12/31/2013        2.512323          2.534861         158,055.4098 
=============                            ==== ==========       =========         =========       ============== 
 METROPOLITAN SERIES FUND                                                                                       
 BLACKROCK BOND INCOME SUB-ACCOUNT (CLASS B)                                                                    
   04/30/2012                             to  12/31/2012       50.998518         52.904726           3,329.1008 
   01/01/2013                             to  12/31/2013       52.904726         51.463050           4,162.4821 
=============                            ==== ==========       =========         =========       ============== 
 BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                           
  (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A))                                            
   05/04/2009                             to  12/31/2009       10.148982         12.768818           5,051.3600 
   01/01/2010                             to  12/31/2010       12.768818         15.034354           4,704.3799 
   01/01/2011                             to  12/31/2011       15.034354         13.452339           4,395.7406 
   01/01/2012                             to  12/31/2012       13.452339         15.117541           4,195.7554 
   01/01/2013                             to  12/31/2013       15.117541         19.938763           4,707.5486 
=============                            ==== ==========       =========         =========       ============== 
 BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                           
  (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A) AND BEFORE THAT MET INVESTORS               
  SERIES TRUST - MET/AIM CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A))                                            
   06/01/2007                             to  12/31/2007       15.737679         15.616502           1,424.1562 
   01/01/2008                             to  12/31/2008       15.616502          8.801294           2,347.6515 
   01/01/2009                             to  05/01/2009        8.801294          8.361042               0.0000 
=============                            ==== ==========       =========         =========       ============== 
 BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                                                   
   08/12/2013                             to  12/31/2013        9.778120          9.712238       4,624,974.0332 
=============                            ==== ==========       =========         =========       ============== 
 BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                   
   05/03/2010                             to  12/31/2010       13.002321         12.852324         156,387.1165 
   01/01/2011                             to  12/31/2011       12.852324         12.629961         192,111.3912 
   01/01/2012                             to  12/31/2012       12.629961         12.409660         161,076.9809 
   01/01/2013                             to  12/31/2013       12.409660         12.194371         140,374.2592 
=============                            ==== ==========       =========         =========       ============== 
 BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                   
  (FORMERLY LEGG MASON PARTNERS VARIABLE INCOME TRUST - LEGG MASON WESTERN ASSET VARIABLE MONEY                 
  MARKET SUB-ACCOUNT)                                                                                           
   06/01/2007                             to  12/31/2007       12.944016         13.171785          90,092.8513 
   01/01/2008                             to  12/31/2008       13.171785         13.279719         125,665.8278 
   01/01/2009                             to  12/31/2009       13.279719         13.078522         147,039.9800 
   01/01/2010                             to  04/30/2010       13.078522         13.004192               0.0000 
=============                            ==== ==========       =========         =========       ============== 
 JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                                          
   04/30/2012                             to  12/31/2012       13.888980         13.358605       2,574,947.6990 
   01/01/2013                             to  12/31/2013       13.358605         17.948732       2,333,821.9085 
=============                            ==== ==========       =========         =========       ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                         1.75% SEPARATE ACCOUNT PRODUCT CHARGES                            
                                                                          NUMBER OF        
                                   ACCUMULATION      ACCUMULATION        ACCUMULATION      
                                  UNIT VALUE AT     UNIT VALUE AT           UNITS          
                                   BEGINNING OF         END OF          OUTSTANDING AT     
                                      PERIOD            PERIOD          END OF PERIOD      
                                 ---------------   ---------------   -------------------   
                                                                                           
 JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                     
  (FORMERLY OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B))                        
  06/01/2007    to  12/31/2007        9.790523         10.090152         3,069,690.3843    
  01/01/2008    to  12/31/2008       10.090152          5.359740         2,538,996.6980    
  01/01/2009    to  12/31/2009        5.359740          7.568480         2,330,307.4300    
  01/01/2010    to  12/31/2010        7.568480          8.136100         2,020,755.9839    
  01/01/2011    to  12/31/2011        8.136100          7.884860         1,836,098.7767    
  01/01/2012    to  04/27/2012        7.884860          8.860339                 0.0000    
============   ==== ==========       =========         =========         ==============    
 WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                            
  06/01/2007    to  12/31/2007       15.494184         15.846744           173,390.5817    
  01/01/2008    to  12/31/2008       15.846744         15.488235           312,325.8107    
  01/01/2009    to  12/31/2009       15.488235         15.840564           480,995.1100    
  01/01/2010    to  12/31/2010       15.840564         16.420744           654,029.8508    
  01/01/2011    to  12/31/2011       16.420744         16.986337           689,015.3491    
  01/01/2012    to  12/31/2012       16.986337         17.198787           610,046.0423    
  01/01/2013    to  12/31/2013       17.198787         16.747425           537,936.8763    
============   ==== ==========       =========         =========         ==============    
 OPPENHEIMER VARIABLE ACCOUNT FUNDS                                                        
 OPPENHEIMER MAIN STREET SMALL CAP FUND (Reg. TM)/VA SUB-ACCOUNT (SERVICE SHARES)          
  (FORMERLY OPPENHEIMER MAIN STREET SMALL- & MID-CAP FUND (Reg. TM)/VA SUB-ACCOUNT (SERVICE
SHARES))                                                                                   
  07/13/2007    to  12/31/2007       19.191607         16.579455             7,436.2631    
  01/01/2008    to  12/31/2008       16.579455         10.099473            34,742.6750    
  01/01/2009    to  12/31/2009       10.099473         13.584572            62,259.0000    
  01/01/2010    to  12/31/2010       13.584572         16.426891            82,832.3214    
  01/01/2011    to  12/31/2011       16.426891         15.757799           103,990.7000    
  01/01/2012    to  12/31/2012       15.757799         18.218959           107,097.5667    
  01/01/2013    to  12/31/2013       18.218959         25.175898           101,032.0694    
============   ==== ==========       =========         =========         ==============    
 PIONEER VARIABLE CONTRACTS TRUST                                                          
 PIONEER VCT MID CAP VALUE SUB-ACCOUNT (CLASS II)                                          
  06/01/2007    to  12/31/2007       35.476112         32.037982             7,803.4288    
  01/01/2008    to  12/31/2008       32.037982         20.852721            18,612.1810    
  01/01/2009    to  12/31/2009       20.852721         25.667474            25,251.4300    
  01/01/2010    to  12/31/2010       25.667474         29.735535            25,844.7653    
  01/01/2011    to  12/31/2011       29.735535         27.513838            30,027.3219    
  01/01/2012    to  12/31/2012       27.513838         29.960773            35,742.1704    
  01/01/2013    to  12/31/2013       29.960773         39.084043            36,822.8198    
============   ==== ==========       =========         =========         ==============    

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.75% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                       NUMBER OF   
                                   ACCUMULATION      ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT     UNIT VALUE AT        UNITS     
                                   BEGINNING OF         END OF       OUTSTANDING AT
                                      PERIOD            PERIOD       END OF PERIOD 
                                 ---------------   ---------------  ---------------
                                                                                   
 THE UNIVERSAL INSTITUTIONAL FUNDS, INC.                                           
 UIF U.S. REAL ESTATE SUB-ACCOUNT (CLASS I)                                        
  06/01/2007    to  12/31/2007       31.408190         24.261048       19,996.2851 
  01/01/2008    to  12/31/2008       24.261048         14.804255       39,348.9062 
  01/01/2009    to  12/31/2009       14.804255         18.671955       51,647.0800 
  01/01/2010    to  12/31/2010       18.671955         23.845993       54,604.1581 
  01/01/2011    to  12/31/2011       23.845993         24.820407       63,365.4400 
  01/01/2012    to  12/31/2012       24.820407         28.249716       78,666.6341 
  01/01/2013    to  12/31/2013       28.249716         28.329729       85,582.0124 
============   ==== ==========       =========         =========       =========== 

DISCONTINUED INVESTMENT PORTFOLIOS. The following Investment Portfolios are no  
longer available for allocations of new Purchase Payments or transfers of       
Account Value (excluding rebalancing and dollar cost averaging programs in      
existence at the time of closing): (a) American Funds Insurance Series (Reg.    
TM): American Funds Growth Fund (Class 2) (closed effective August 9, 2013);    
(b) Fidelity (Reg. TM) Variable Insurance Products: Contrafund (Reg. TM)        
Portfolio (Service Class) (closed effective August 9, 2013); (c) Met Investors  
Series Trust: ClearBridge Aggressive Growth Portfolio (Class B) (formerly Legg  
Mason ClearBridge Aggressive Growth Portfolio) (closed effective May 1, 2011),  
Oppenheimer Global Equity Portfolio (Class B) (formerly Met/Templeton Growth    
Portfolio) (closed effective April 29, 2013), Pioneer Fund Portfolio (Class A)  
(closed effective August 9, 2013), and Pioneer Strategic Income Portfolio       
(Class A) (closed effective August 9, 2013); (d) Metropolitan Series Fund:      
BlackRock Capital Appreciation Portfolio (Class A) (formerly BlackRock Legacy   
Large Cap Growth Portfolio) (closed effective May 4, 2009), BlackRock Money     
Market Portfolio (Class E) (closed effective August 9, 2013), and Jennison      
Growth Portfolio (Class B) (closed effective April 30, 2012).                   

YOU SHOULD READ THE PROSPECTUSES FOR THESE DISCONTINUED INVESTMENT PORTFOLIOS   
FOR MORE INFORMATION ON FEES, CHARGES, INVESTMENT OBJECTIVES AND RISKS. A COPY  
OF THE FUND PROSPECTUSES HAS PREVIOUSLY BEEN PROVIDED TO YOU.                   

Effective as of May 4, 2009, Van Kampen Life Investment Trust: Comstock         
Portfolio (Class II) was replaced with Met Investors Series Trust: Invesco      
Comstock Portfolio (Class B) (formerly Van Kampen Comstock Portfolio).          

Effective as of May 4, 2009, Met Investors Series Trust: Met/AIM Capital        
Appreciation Portfolio (Class A) merged into Metropolitan Series Fund:          
BlackRock Capital Appreciation Portfolio (Class A) (formerly BlackRock Legacy   
Large Cap Growth Portfolio).                                                    

Effective as of May 3, 2010, Legg Mason Partners Variable Income Trust: Legg    
Mason Western Asset Variable Money Market Portfolio (single share class) was    
replaced with Metropolitan Series Fund: BlackRock Money Market Portfolio (Class 
E).                                                                             

Effective as of June 1, 2010, The Universal Institutional Funds, Inc.: Equity   
and Income Portfolio (Class II) was reorganized into AIM Variable Insurance     
Funds (Invesco Variable Insurance Funds): Invesco V.I. Equity and Income Fund   
(Series II) (formerly Invesco Van Kampen V.I. Equity and Income Fund), and The  
Universal Institutional Funds, Inc.: U.S. Mid Cap                               

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

Value Portfolio (Class II) was reorganized into AIM Variable Insurance Funds    
(Invesco Variable Insurance Funds): Invesco V.I. Mid Cap Value Fund (Series II) 
(formerly Invesco Van Kampen V.I. Mid Cap Value Fund).                          

Effective as of June 1, 2010, Van Kampen Life Investment Trust: Growth and      
Income Portfolio (Class II) was reorganized into AIM Variable Insurance Funds   
(Invesco Variable Insurance Funds): Invesco V.I. Growth and Income Fund (Series 
II) (formerly Invesco Van Kampen V.I. Growth and Income Fund).                  

Effective as of May 1, 2011, Franklin Templeton Variable Insurance Products     
Trust: Templeton Growth Securities Fund (Class 2) (closed effective April 30,   
2010) was replaced with Met Investors Series Trust: Oppenheimer Global Equity   
Portfolio (Class B) (formerly Met/Templeton Growth Portfolio).                  

Effective as of May 1, 2011, Met Investors Series Trust: Legg Mason Value       
Equity Portfolio (Class B) merged into Met Investors Series Trust: ClearBridge  
Aggressive Growth Portfolio (Class B) (formerly Legg Mason ClearBridge          
Aggressive Growth Portfolio) (closed effective May 1, 2011).                    

Effective as of April 30, 2012, Met Investors Series Trust: Oppenheimer Capital 
Appreciation Portfolio (Class B) merged into Metropolitan Series Fund: Jennison 
Growth Portfolio (Class B) (closed effective April 30, 2012).                   

Effective as of April 29, 2013, Metropolitan Series Fund: Oppenheimer Global    
Equity Portfolio (Class B) (closed effective May 4, 2009) merged into Met       
Investors Series Trust: Met/Templeton Growth Portfolio (Class B). Also          
effective as of April 29, 2013, Met/Templeton Growth Portfolio changed its name 
to Oppenheimer Global Equity Portfolio.                                         

Effective as of April 28, 2014, AIM Variable Insurance Funds (Invesco Variable  
Insurance Funds): Invesco V. I. American Value Fund (Series II) was replaced    
with Met Investors Series Trust: Invesco Mid Cap Value Portfolio (Class B).     

Effective as of April 28, 2014, AIM Variable Insurance Funds (Invesco Variable  
Insurance Funds): Invesco V. I. Global Real Estate Fund (Series II) was         
replaced with Met Investors Series Trust: Clarion Global Real Estate Portfolio  
(Class B).                                                                      

Effective as of April 28, 2014, AIM Variable Insurance Funds (Invesco Variable  
Insurance Funds): Invesco V. I. Growth and Income Fund (Series II) was replaced 
with Met Investors Series Trust: Invesco Comstock Portfolio (Class B).          

Effective as of April 28, 2014, Legg Mason Partners Variable Equity Trust:      
ClearBridge Variable All Cap Value Portfolio (Class I) was replaced with Met    
Investors Series Trust: T. Rowe Price Large Cap Value Portfolio (Class E).      

Effective as of April 28, 2014, The Universal Institutional Funds, Inc.: U.S.   
Real Estate Portfolio (Class I) was replaced with Met Investors Series Trust:   
Clarion Global Real Estate Portfolio (Class B).                                 

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APPENDIX B                                                                      

PARTICIPATING INVESTMENT PORTFOLIOS                                             

Below are the advisers and subadvisers and investment objectives of each        
Investment Portfolio available under the contract. The fund prospectuses        
contain more complete information, including a description of the investment    
objectives, policies, restrictions and risks. THERE CAN BE NO ASSURANCE THAT    
THE INVESTMENT OBJECTIVES WILL BE ACHIEVED.                                     

AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS) (SERIES II)     

AIM Variable Insurance Funds (Invesco Variable Insurance Funds) is a mutual     
fund with multiple portfolios. Invesco Advisers, Inc. is the investment adviser 
to each portfolio. The following Series II portfolios are available under the   
contract:                                                                       

INVESCO V.I. EQUITY AND INCOME FUND                                             

INVESTMENT OBJECTIVE: The Invesco V.I. Equity and Income Fund seeks both        
capital appreciation and current income.                                        

INVESCO V.I. INTERNATIONAL GROWTH FUND                                          

INVESTMENT OBJECTIVE: The Invesco V.I. International Growth Fund seeks          
long-term growth of capital.                                                    

AMERICAN FUNDS INSURANCE SERIES (Reg. TM) (CLASS 2)                             

American Funds Insurance Series (Reg. TM) is a trust with multiple portfolios.  
Capital Research and Management Company is the investment adviser to each       
portfolio. The following Class 2 portfolios are available under the contract:   

AMERICAN FUNDS BOND FUND                                                        

INVESTMENT OBJECTIVE: The American Funds Bond Fund seeks as high a level of     
current income as is consistent with the preservation of capital.               

AMERICAN FUNDS GLOBAL GROWTH FUND                                               

INVESTMENT OBJECTIVE: The American Funds Global Growth Fund seeks long-term     
growth of capital.                                                              

AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION FUND                                 

INVESTMENT OBJECTIVE: The American Funds Global Small Capitalization Fund seeks 
long-term growth of capital.                                                    

AMERICAN FUNDS GROWTH-INCOME FUND                                               

INVESTMENT OBJECTIVE: The American Funds Growth-Income Fund seeks long-term     
growth of capital and income.                                                   

FIDELITY (Reg. TM) VARIABLE INSURANCE PRODUCTS (SERVICE CLASS 2)                

Fidelity (Reg. TM) Variable Insurance Products is a variable insurance products 
fund with multiple portfolios. Fidelity Management & Research Company is the    
investment manager. The following Service Class 2 portfolios are available      
under the contract:                                                             

CONTRAFUND (Reg. TM) PORTFOLIO                                                  

SUBADVISER: FMR Co., Inc.                                                       

INVESTMENT OBJECTIVE: The Contrafund (Reg. TM) Portfolio seeks long-term        
capital appreciation.                                                           

MID CAP PORTFOLIO                                                               

SUBADVISER: FMR Co., Inc.                                                       

INVESTMENT OBJECTIVE: The Mid Cap Portfolio seeks long-term growth of capital.  

FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST (CLASS 2)                  

Franklin Templeton Variable Insurance Products Trust consists of multiple       
series (Funds). Funds may be available in multiple classes: Class 1, Class 2,   
Class 3 and Class 4. The portfolios available in connection with your contract  
are Class 2 shares. Franklin Advisers, Inc. is the investment advisor for       
Franklin Income VIP Fund and Templeton Global Bond VIP Fund; Franklin Mutual    
Advisers, LLC is the investment advisor for Franklin Mutual Shares VIP Fund;    
and Franklin Advisory Services, LLC is the investment advisor for Franklin      
Small Cap Value VIP Fund. The following Class 2 portfolios are available under  
the contract:                                                                   

FRANKLIN INCOME VIP FUND (formerly Franklin Income Securities Fund)             

INVESTMENT OBJECTIVE: The Franklin Income VIP Fund seeks to maximize income     
while maintaining prospects for capital appreciation.                           

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FRANKLIN MUTUAL SHARES VIP FUND (formerly Mutual Shares Securities Fund)        

INVESTMENT OBJECTIVE: The Franklin Mutual Shares VIP Fund seeks capital         
appreciation, with income as a secondary goal.                                  

FRANKLIN SMALL CAP VALUE VIP FUND (formerly Franklin Small Cap Value Securities 
Fund)                                                                           

INVESTMENT OBJECTIVE: The Franklin Small Cap Value VIP Fund seeks long-term     
total return.                                                                   

TEMPLETON GLOBAL BOND VIP FUND (formerly Templeton Global Bond Securities Fund) 

INVESTMENT OBJECTIVE: The Templeton Global Bond VIP Fund seeks high current     
income, consistent with preservation of capital, with capital appreciation as a 
secondary consideration.                                                        

LEGG MASON PARTNERS VARIABLE EQUITY TRUST (CLASS I OR, AS NOTED, CLASS II)      

Legg Mason Partners Variable Equity Trust is a trust that consists of multiple  
portfolios. Legg Mason Partners Fund Advisor, LLC is the investment adviser to  
each portfolio and ClearBridge Investments, LLC is the subadviser to each of    
the following portfolios. The following Class I or, as noted, Class II          
portfolios are available under the contract:                                    

CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH PORTFOLIO                                

INVESTMENT OBJECTIVE: The ClearBridge Variable Aggressive Growth Portfolio      
seeks capital appreciation.                                                     

CLEARBRIDGE VARIABLE APPRECIATION PORTFOLIO                                     

INVESTMENT OBJECTIVE: The ClearBridge Variable Appreciation Portfolio seeks     
long-term appreciation of capital.                                              

CLEARBRIDGE VARIABLE EQUITY INCOME PORTFOLIO (CLASS II)                         

INVESTMENT OBJECTIVE: The ClearBridge Variable Equity Income Portfolio seeks a  
high level of current income. Long-term capital appreciation is a secondary     
objective.                                                                      

CLEARBRIDGE VARIABLE SMALL CAP GROWTH PORTFOLIO                                 

INVESTMENT OBJECTIVE: The ClearBridge Variable Small Cap Growth Portfolio seeks 
long-term growth of capital.                                                    

LEGG MASON PARTNERS VARIABLE INCOME TRUST (CLASS I)                             

Legg Mason Partners Variable Income Trust is a trust that consists of multiple  
portfolios. Legg Mason Partners Fund Advisor, LLC is the investment adviser to  
each portfolio. The following Class I portfolio is available under the          
contract:                                                                       

WESTERN ASSET VARIABLE GLOBAL HIGH YIELD BOND PORTFOLIO                         

SUBADVISERS: Western Asset Management Company; Western Asset Management Company 
Limited; Western Asset Management Company Pte. Ltd.                             

INVESTMENT OBJECTIVE: The Western Asset Variable Global High Yield Bond         
Portfolio seeks to maximize total return.                                       

MET INVESTORS SERIES TRUST (CLASS B OR, AS NOTED, CLASS C OR CLASS E)           

Met Investors Series Trust is managed by MetLife Advisers, LLC, an affiliate of 
MetLife USA. Met Investors Series Trust is a mutual fund with multiple          
portfolios. The following Class B or, as noted, Class C or Class E portfolios   
are available under the contract:                                               

AMERICAN FUNDS (Reg. TM) GROWTH PORTFOLIO (CLASS C)                             

ADVISERS: MetLife Advisers, LLC; Capital Research and Management Company        

INVESTMENT OBJECTIVE: The American Funds (Reg. TM) Growth Portfolio seeks to    
achieve growth of capital.                                                      

BLACKROCK HIGH YIELD PORTFOLIO                                                  

SUBADVISER: BlackRock Financial Management, Inc.                                

INVESTMENT OBJECTIVE: The BlackRock High Yield Portfolio seeks to maximize      
total return, consistent with income generation and prudent investment          
management.                                                                     

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CLARION GLOBAL REAL ESTATE PORTFOLIO                                            

SUBADVISER: CBRE Clarion Securities LLC                                         

INVESTMENT OBJECTIVE: The Clarion Global Real Estate Portfolio seeks total      
return through investment in real estate securities, emphasizing both capital   
appreciation and current income.                                                

HARRIS OAKMARK INTERNATIONAL PORTFOLIO                                          

SUBADVISER: Harris Associates L.P.                                              

INVESTMENT OBJECTIVE: The Harris Oakmark International Portfolio seeks          
long-term capital appreciation.                                                 

INVESCO COMSTOCK PORTFOLIO                                                      

SUBADVISER: Invesco Advisers, Inc.                                              

INVESTMENT OBJECTIVE: The Invesco Comstock Portfolio seeks capital growth and   
income.                                                                         

INVESCO MID CAP VALUE PORTFOLIO                                                 

SUBADVISER: Invesco Advisers, Inc.                                              

INVESTMENT OBJECTIVE: The Invesco Mid Cap Value Portfolio seeks high total      
return by investing in equity securities of mid-sized companies.                

INVESCO SMALL CAP GROWTH PORTFOLIO                                              

SUBADVISER: Invesco Advisers, Inc.                                              

INVESTMENT OBJECTIVE: The Invesco Small Cap Growth Portfolio seeks long-term    
growth of capital.                                                              

LOOMIS SAYLES GLOBAL MARKETS PORTFOLIO                                          

SUBADVISER: Loomis, Sayles & Company, L.P.                                      

INVESTMENT OBJECTIVE: The Loomis Sayles Global Markets Portfolio seeks high     
total investment return through a combination of capital appreciation and       
income.                                                                         

MFS (Reg. TM) EMERGING MARKETS EQUITY PORTFOLIO                                 

SUBADVISER: Massachusetts Financial Services Company                            

INVESTMENT OBJECTIVE: The MFS (Reg. TM) Emerging Markets Equity Portfolio seeks 
capital appreciation.                                                           

MFS (Reg. TM) RESEARCH INTERNATIONAL PORTFOLIO                                  

SUBADVISER: Massachusetts Financial Services Company                            

INVESTMENT OBJECTIVE: The MFS (Reg. TM) Research International Portfolio seeks  
capital appreciation.                                                           

MORGAN STANLEY MID CAP GROWTH PORTFOLIO                                         

SUBADVISER: Morgan Stanley Investment Management Inc.                           

INVESTMENT OBJECTIVE: The Morgan Stanley Mid Cap Growth Portfolio seeks capital 
appreciation.                                                                   

PIONEER FUND PORTFOLIO                                                          

SUBADVISER: Pioneer Investment Management, Inc.                                 

INVESTMENT OBJECTIVE: The Pioneer Fund Portfolio seeks reasonable income and    
capital growth.                                                                 

PIONEER STRATEGIC INCOME PORTFOLIO                                              

SUBADVISER: Pioneer Investment Management, Inc.                                 

INVESTMENT OBJECTIVE: The Pioneer Strategic Income Portfolio seeks a high level 
of current income.                                                              

T. ROWE PRICE LARGE CAP VALUE PORTFOLIO (CLASS E)                               

SUBADVISER: T. Rowe Price Associates, Inc.                                      

INVESTMENT OBJECTIVE: The T. Rowe Price Large Cap Value Portfolio seeks         
long-term capital appreciation by investing in common stocks believed to be     
undervalued. Income is a secondary objective.                                   

METROPOLITAN SERIES FUND (CLASS B)                                              

Metropolitan Series Fund is a mutual fund with multiple portfolios. MetLife     
Advisers, LLC, an affiliate of MetLife USA, is the investment adviser to the    
portfolios. The following Class B portfolios are available under the contract:  

BLACKROCK BOND INCOME PORTFOLIO                                                 

SUBADVISER: BlackRock Advisors, LLC                                             

INVESTMENT OBJECTIVE: The BlackRock Bond Income Portfolio seeks a competitive   
total return primarily from investing in fixed-income securities.               

BLACKROCK MONEY MARKET PORTFOLIO                                                

SUBADVISER: BlackRock Advisors, LLC                                             

INVESTMENT OBJECTIVE: The BlackRock Money Market Portfolio seeks a high level   
of current income consistent with preservation of capital.                      

An investment in the BlackRock Money Market Portfolio is not insured or         
guaranteed by the Federal Deposit Insurance Company or any other government     
agency. Although the                                                            

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BlackRock Money Market Portfolio seeks to preserve the value of your investment 
at $100 per share, it is possible to lose money by investing in the BlackRock   
Money Market Portfolio.                                                         

During extended periods of low interest rates, the yields of the BlackRock      
Money Market Portfolio may become extremely low and possibly negative.          

WESTERN ASSET MANAGEMENT U.S. GOVERNMENT PORTFOLIO                              

SUBADVISER: Western Asset Management Company                                    

INVESTMENT OBJECTIVE: The Western Asset Management U.S. Government Portfolio    
seeks to maximize total return consistent with preservation of capital and      
maintenance of liquidity.                                                       

OPPENHEIMER VARIABLE ACCOUNT FUNDS (SERVICE SHARES)                             

Oppenheimer Variable Account Funds is a mutual fund with mulitple portfolios.   
OFI Global Asset Management, Inc. is the investment adviser to each portfolio.  
The following Service Shares portfolio is available under the contract:         

OPPENHEIMER MAIN STREET SMALL CAP FUND (Reg. TM)/VA                             

SUBADVISER: OppenheimerFunds, Inc.                                              

INVESTMENT OBJECTIVE: The Oppenheimer Main Street Small Cap Fund (Reg. TM)/VA   
seeks capital appreciation.                                                     

PIONEER VARIABLE CONTRACTS TRUST (CLASS II)                                     

Pioneer Variable Contracts Trust is a mutual fund with multiple portfolios.     
Pioneer Investment Management, Inc. is the investment adviser to each           
portfolio. The following Class II portfolio is available under the contract:    

PIONEER MID CAP VALUE VCT PORTFOLIO                                             

INVESTMENT OBJECTIVE: The Pioneer Mid Cap Value VCT Portfolio seeks capital     
appreciation by investing in a diversified portfolio of securities consisting   
primarily of common stocks.                                                     

LEGG MASON PARTNERS VARIABLE EQUITY TRUST                                       

In addition to the Legg Mason Partners Variable Equity Trust portfolios listed  
above, the following single share class portfolios are available under the      
contract. Legg Mason Partners Fund Advisor, LLC is the investment adviser to    
the portfolios and Legg Mason Global Asset Allocation, LLC is the subadviser to 
the portfolios.                                                                 

LEGG MASON VARIABLE LIFESTYLE ALLOCATION 50%                                    

INVESTMENT OBJECTIVE: The Legg Mason Variable Lifestyle Allocation 50% seeks a  
balance of growth of capital and income.                                        

LEGG MASON VARIABLE LIFESTYLE ALLOCATION 85%                                    

INVESTMENT OBJECTIVE: The Legg Mason Variable Lifestyle Allocation 85% seeks    
capital appreciation.                                                           

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APPENDIX C                                                                      

INVESTMENT PORTFOLIOS: MARKETING NAMES AND PROSPECTUS NAMES                     

In other written materials outside of this prospectus, we may market certain    
Investment Portfolios using different names. The following table lists the      
marketing names and the prospectus names for those Investment Portfolios that   
have marketing names.                                                           

                                                                [Download Table]

MARKETING NAME                            PROSPECTUS NAME                          
----------------------------------------  -----------------------------------------
                                                                                   
         ClearBridge Variable             ClearBridge Variable Aggressive Growth   
           Aggressive Growth              Portfolio                                
         ClearBridge Variable             ClearBridge Variable Appreciation        
           Appreciation                   Portfolio                                
         ClearBridge Variable Equity      ClearBridge Variable Equity Income       
           Income                         Portfolio                                
         ClearBridge Variable Small Cap   ClearBridge Variable Small Cap Growth    
           Growth                         Portfolio                                
         Fidelity VIP Contrafund (Reg.    Contrafund (Reg. TM) Portfolio           
           TM) Portfolio                                                           
         Fidelity VIP Mid Cap Portfolio   Mid Cap Portfolio                        
         Money Market Portfolio           BlackRock Money Market Portfolio         
         Western Asset Variable Global    Western Asset Variable Global High Yield 
           High Yield Bond                Bond Portfolio                           

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APPENDIX D                                                                      

GUARANTEED WITHDRAWAL BENEFIT EXAMPLES                                          

The purpose of these examples is to illustrate the operation of the Lifetime    
Withdrawal Guarantee rider (examples A through C) and the GWB I rider (examples 
D through H). The investment results shown are hypothetical and are not         
representative of past or future performance. Actual investment results may be  
more or less than those shown and will depend upon a number of factors,         
including investment allocations and the investment experience of the           
Investment Portfolios chosen. THE EXAMPLES DO NOT REFLECT THE DEDUCTION OF FEES 
AND EXPENSES, WITHDRAWAL CHARGES AND APPLICABLE INCOME TAXES AND PENALTIES. The 
Lifetime Withdrawal Guarantee and GWB I riders do not establish or guarantee an 
Account Value or minimum return for any Investment Portfolio. The Total         
Guaranteed Withdrawal Amount and the Remaining Guaranteed Withdrawal Amount     
(under the Lifetime Withdrawal Guarantee rider) and the Guaranteed Withdrawal   
Amount and the Benefit Base (under the GWB I rider) cannot be taken as a lump   
sum.                                                                            

LIFETIME WITHDRAWAL GUARANTEE                                                   

These examples illustrate the operation of the version of the Lifetime          
Withdrawal Guarantee rider available with contracts issued based on             
applications and necessary information received by our MetLife Annuity Service  
Center, in Good Order, after the close of the New York Stock Exchange on August 
9, 2013 (November 8, 2013 in Nevada and Oregon). The version of the Lifetime    
Withdrawal Guarantee rider available with contracts issued based on             
applications and necessary information received by our MetLife Annuity Service  
Center, in Good Order, before the close of the New York Stock Exchange on       
August 9, 2013 (November 8, 2013 in Nevada and Oregon) had a different          
Compounding Income Amount and Withdrawal Rate. (See "Living Benefits -          
Description of the Lifetime Withdrawal Guarantee -  Prior Version of Lifetime   
Withdrawal Guarantee.")                                                         

A.   Lifetime Withdrawal Guarantee                                              

1.   When Withdrawals Do Not Exceed the Annual Benefit Payment        

Assume that a contract had an initial Purchase Payment of $100,000. The initial 
Account Value would be $100,000, the Total Guaranteed Withdrawal Amount would   
be $100,000, the initial Remaining Guaranteed Withdrawal Amount would be        
$100,000 and the initial Annual Benefit Payment would be $4,000 ($100,000 x     
4%).                                                                            

Assume that $4,000 is withdrawn each year, beginning before the contract Owner  
attains age 59 1/2. The Remaining Guaranteed Withdrawal Amount is reduced by    
$4,000 each year as withdrawals are taken (the Total Guaranteed Withdrawal      
Amount is not reduced by these withdrawals). The Annual Benefit Payment of      
$4,000 is guaranteed to be received until the Remaining Guaranteed Withdrawal   
Amount is depleted, even if the Account Value is reduced to zero.               

If the first withdrawal is taken after age 59 1/2, then the Annual Benefit      
Payment of $4,000 is guaranteed to be received for the Owner's lifetime, even   
if the Remaining Guaranteed Withdrawal Amount and the Account Value are reduced 
to zero.                                                                        

[GRAPHIC APPEARS HERE]                                                          

                                                                [Download Table]
                                                                      
Year   Annual Benefit Payment   Cumulative Withdrawals   Account Value
   1   $4,000                   $  4,000                 $  100,000   
   2   $4,000                   $  8,000                 $   90,250   
   3   $4,000                   $ 12,000                 $ 80,987.5   
   4   $4,000                   $ 16,000                 $72,188.13   
   5   $4,000                   $ 20,000                 $63,828.72   
   6   $4,000                   $ 24,000                 $55,887.28   
   7   $4,000                   $ 28,000                 $48,342.92   
   8   $4,000                   $ 32,000                 $41,175.77   
   9   $4,000                   $ 36,000                 $34,366.98   
  10   $4,000                   $ 40,000                 $27,898.63   
  11   $4,000                   $ 44,000                 $ 21,753.7   
  12   $4,000                   $ 48,000                 $15,916.02   
  13   $4,000                   $ 52,000                 $10,370.22   
  14   $4,000                   $ 56,000                 $5,101.706   
  15   $4,000                   $ 60,000                 $ 96.62093   
  16   $4,000                   $ 64,000                 $        0   
  17   $4,000                   $ 68,000                 $        0   
  18   $4,000                   $ 72,000                 $        0   
  19   $4,000                   $ 76,000                 $        0   
  20   $4,000                   $ 80,000                 $        0   
  21   $4,000                   $ 84,000                 $        0   
  22   $4,000                   $ 88,000                 $        0   
  23   $4,000                   $ 92,000                 $        0   
  24   $4,000                   $ 96,000                 $        0   
  25   $4,000                   $100,000                 $        0   

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2.   When Withdrawals Do Exceed the Annual Benefit Payment            

Assume that a contract had an initial Purchase Payment of $100,000. The initial 
Account Value would be $100,000, the Total Guaranteed Withdrawal Amount would   
be $100,000, the initial Remaining Guaranteed Withdrawal Amount would be        
$100,000 and the initial Annual Benefit Payment would be $4,000 ($100,000 x     
4%).                                                                            

Assume that the Remaining Guaranteed Withdrawal Amount is reduced to $96,000    
due to a withdrawal of $4,000 in the first year. Assume the Account Value was   
further reduced to $75,000 at year two due to poor market performance. If you   
withdrew $10,000 at this time, your Account Value would be reduced to $75,000 - 
$10,000 = $65,000. Your Remaining Guaranteed Withdrawal Amount would be reduced 
to $96,000 - $10,000 = $86,000. Since the withdrawal of $10,000 exceeded the    
Annual Benefit Payment of $4,000 and the resulting Remaining Guaranteed         
Withdrawal Amount would be greater than the resulting Account Value, there      
would be an additional reduction to the Remaining Guaranteed Withdrawal Amount. 
The Remaining Guaranteed Withdrawal Amount after the withdrawal would be set    
equal to the Account Value after the withdrawal ($65,000). This new Remaining   
Guaranteed Withdrawal Amount of $65,000 would now be the amount guaranteed to   
be available to be withdrawn over time. The Total Guaranteed Withdrawal Amount  
would also be reduced to $65,000. The Annual Benefit Payment would be set equal 
to 4% x $65,000 = $2,600.                                                       

B.   Compounding Income Amount                                                  

Assume that a contract had an initial Purchase Payment of $100,000. The initial 
Remaining Guaranteed Withdrawal Amount would be $100,000, the Total Guaranteed  
Withdrawal Amount would be $100,000, and the Annual Benefit Payment would be    
$4,000 ($100,000 x 4%).                                                         

The Total Guaranteed Withdrawal Amount will increase by 4% of the Total         
Guaranteed Withdrawal Amount on each contract anniversary until the earlier of  
the first withdrawal or the 10th contract anniversary. The Annual Benefit       
Payment will be recalculated on each contract anniversary as 4% of the new      
Total Guaranteed Withdrawal Amount.                                             

If the first withdrawal is taken in the first Contract Year, then there would   
be no increase: the Total Guaranteed Withdrawal Amount would remain at $100,000 
and the Annual Benefit Payment will remain at $4,000 ($100,000 x 4%).           

If the first withdrawal is taken in the second Contract Year, then the Total    
Guaranteed Withdrawal Amount would increase to $104,000 ($100,000 x 104%), and  
the Annual Benefit Payment would increase to $4,160 ($104,000 x 4%).            

If the first withdrawal is taken in the third Contract Year, then the Total     
Guaranteed Withdrawal Amount would increase to $108,160 ($104,000 x 104%), and  
the Annual Benefit Payment would increase to $4,326 ($108,160 x 4%).            

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If the first withdrawal is taken after the 10th Contract Year, then the Total   
Guaranteed Withdrawal Amount would increase to $148,024 (the initial $100,000,  
increased by 4% per year, compounded annually for 10 years), and the Annual     
Benefit Payment would increase to $5,921 ($148,024 x 4%).                       

[GRAPHIC APPEARS HERE]                                                          

                                                                [Download Table]
                                                 
Year of First Withdrawal   Annual Benefit Payment
                       1   $4,000                
                       2   $4,160                
                       3   $4,326                
                       4   $4,499                
                       5   $4,679                
                       6   $4,867                
                       7   $5,061                
                       8   $5,264                
                       9   $5,474                
                      10   $5,693                
                      11   $5,921                

C.   Automatic Annual Step-Ups and Compounding Income Amount (No Withdrawals)   

Assume that a contract had an initial Purchase Payment of $100,000. Assume that 
no withdrawals are taken.                                                       

At the first contract anniversary, provided that no withdrawals are taken, the  
Total Guaranteed Withdrawal Amount is increased to $104,000 ($100,000 increased 
by 4%, compounded annually). Assume the Account Value has increased to $110,000 
at the first contract anniversary due to good market performance. The Automatic 
Annual Step-Up will increase the Total Guaranteed Withdrawal Amount from        
$104,000 to $110,000 and reset the Annual Benefit Payment to $4,400 ($110,000 x 
4%).                                                                            

At the second contract anniversary, provided that no withdrawals are taken, the 
Total Guaranteed Withdrawal Amount is increased to $114,400 ($110,000 increased 
by 4%, compounded annually). Assume the Account Value has increased to $120,000 
at the second contract anniversary due to good market performance. The          
Automatic Annual Step-Up will increase the Total Guaranteed Withdrawal Amount   
from $114,400 to $120,000 and reset the Annual Benefit Payment to $4,800        
($120,000 x 4%).                                                                

Provided that no withdrawals are taken, each year the Total Guaranteed          
Withdrawal Amount would increase by 4%, compounded annually, from the second    
contract anniversary through the ninth contract anniversary, and at that point  
would be equal to $157,912. Assume that during these Contract Years the Account 
Value does not exceed the Total Guaranteed Withdrawal Amount due to poor market 
performance. Assume the Account Value at the ninth contract anniversary has     
increased to $180,000 due to good market performance. The Automatic Annual      
Step-Up will increase the Total Guaranteed Withdrawal Amount from $157,912 to   
$180,000 and reset the Annual Benefit Payment to $7,200 ($180,000 x 4%).        

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At the 10th contract anniversary, provided that no withdrawals are taken, the   
Total Guaranteed Withdrawal Amount is increased to $187,200 ($180,000 increased 
by 4%, compounded annually). Assume the Account Value is less than $187,200.    
There is no Automatic Annual Step-Up since the Account Value is below the Total 
Guaranteed Withdrawal Amount; however, due to the 4% increase in the Total      
Guaranteed Withdrawal Amount, the Annual Benefit Payment is increased to $7,488 
($187,200 x 4%).                                                                

[GRAPHIC APPEARS HERE]                                                          

GWB I                                                                           

D.   How Withdrawals Affect the Benefit Base                                    

1.   An initial Purchase Payment is made of $100,000. The initial Benefit   
Base would be $100,000. Assume that the Account Value grew to $110,000
   because of market performance. If a subsequent withdrawal of $10,000 were
  made, the Benefit Base would be reduced to $100,000 - $10,000 = $90,000.
Assume the withdrawal of $10,000 exceeded the Annual Benefit Payment. 
  Since the Account Value of $100,000 exceeds the Benefit Base of $90,000,
no further reduction to the Benefit Base is made.                     

2.   An initial Purchase Payment is made of $100,000. The initial Benefit   
 Base would be $100,000. Assume that the Account Value shrank to $90,000
   because of market performance. If a subsequent withdrawal of $10,000 were
  made, the Benefit Base would be reduced to $90,000 and the Account Value
    would be reduced to $80,000. Assume the withdrawal of $10,000 exceeded the
 Annual Benefit Payment. Since the Account Value of $80,000 is less than
    the Benefit Base of $90,000, a further reduction of the $10,000 difference
is made, bringing the Benefit Base to $80,000.                        

E.   How Withdrawals and Subsequent Purchase Payments Affect the Annual Benefit 
Payment                                                               

An initial Purchase Payment is made of $100,000. The initial Benefit Base would 
be $100,000 and the initial Annual Benefit Payment would be $5,000. If $5,000   
withdrawals were then made for each of the next five years, the Benefit Base    
would be decreased to $75,000. If a subsequent Purchase Payment of $10,000 were 
made the next day, the Benefit Base would be increased to $75,000 + $10,000 =   
$85,000. The Annual Benefit Payment would be reset to the greater of a) $5,000  
(the Annual Benefit Payment before the second Purchase Payment) and b) $4,250   
(5% multiplied by the Benefit Base after the second Purchase Payment). In this  
case, the Annual Benefit Payment would remain at $5,000.                        

F.   How Withdrawals Affect the Annual Benefit Payment                          

1.   An initial Purchase Payment is made of $100,000. The initial Benefit   
Base would be $100,000 and the initial Annual Benefit Payment would be
$5,000. If a withdrawal of $9,000 was made the next day, and negative 
   market performance reduced the Account Value by an additional $1,000, the
 Account Value would be reduced to $100,000 - $9,000 - $1,000 = $90,000.
Since the withdrawal of $9,000 exceeded the Annual Benefit Payment of 
$5,000, the                                                           

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Annual Benefit Payment would be reset to the lower of a) $5,000 (the  
    Annual Benefit Payment before the withdrawal) and b) $4,500 (5% multiplied
by the Account Value after the withdrawal). In this case the Annual   
Benefit Payment would be reset to $4,500.                             

2.   An initial Purchase Payment is made of $100,000. The initial Benefit   
Base would be $100,000 and the initial Annual Benefit Payment would be
$5,000. If a withdrawal of $10,000 was made two years later after the 
Account Value had increased to $150,000, the Account Value would be   
  reduced to $140,000. Since the withdrawal of $10,000 exceeded the Annual
 Benefit Payment of $5,000, the Annual Benefit Payment would be reset to
   the lower of a) $5,000 (the Annual Benefit Payment before the withdrawal)
  and b) $7,000 (5% multiplied by the Account Value after the withdrawal).
In this case the Annual Benefit Payment would remain at $5,000.       

G.   How Withdrawals and Subsequent Purchase Payments Affect the Guaranteed     
Withdrawal Amount                                                     

An initial Purchase Payment is made of $100,000 and the initial Guaranteed      
Withdrawal Amount and initial Benefit Base would both be $100,000. Assume that  
over the next five years, withdrawals reduced the Benefit Base to $75,000. If a 
subsequent Purchase Payment of $10,000 was made, the Benefit Base would be      
increased to $75,000 + $10,000 = $85,000. The Guaranteed Withdrawal Amount      
would be reset to the greater of a) $100,000 (the Guaranteed Withdrawal Amount  
before the second Purchase Payment) and b) $85,000 (the Benefit Base after the  
second Purchase Payment). In this case, the Guaranteed Withdrawal Amount would  
remain at $100,000.                                                             

H.   Putting It All Together                                                    

1.   When Withdrawals Do Not Exceed the Annual Benefit Payment        

An initial Purchase Payment is made of $100,000. The initial Benefit Base would 
be $100,000, the Guaranteed Withdrawal Amount would be $100,000, and the Annual 
Benefit Payment would be $5,000. Assume that the Benefit Base was reduced to    
$85,000 due to 3 years of withdrawing $5,000 each year and assume that the      
Account Value was further reduced to $50,000 at year four due to poor market    
performance. If you withdrew $5,000 at this time, your Account Value would be   
reduced to $50,000 - $5,000 = $45,000. Your Benefit Base would be reduced to    
$85,000 - $5,000 = $80,000. Since the withdrawal of $5,000 did not exceed the   
Annual Benefit Payment, there would be no additional reduction to the Benefit   
Base. The Guaranteed Withdrawal Amount would remain at $100,000 and the Annual  
Benefit Payment would remain at $5,000.                                         

[GRAPHIC APPEARS HERE]                                                          

                                                                [Download Table]

Annual                                      
Benefit   Actual        Account     Benefit 
Payment   Withdrawals   Value       Base    
                                            
  $0               $0   $100,000    $100,000
  5,000         5,000     85,000      95,000
  5,000         5,000     68,000      90,000
  5,000         5,000     50,000      85,000
  5,000         5,000     45,000      80,000
  5,000         5,000     40,000      75,000
  5,000         5,000     35,000      70,000
  5,000         5,000     30,000      65,000
  5,000         5,000     25,000      60,000
  5,000         5,000     20,000      55,000
  5,000         5,000     15,000      50,000
  5,000         5,000     10,000      45,000
  5,000         5,000      5,000      40,000
  5,000         5,000          0      35,000
  5,000         5,000          0      30,000
  5,000         5,000          0      25,000
  5,000         5,000          0      20,000
  5,000         5,000          0      15,000
      0             0          0      15,000

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2.   When Withdrawals Do Exceed the Annual Benefit Payment            

An initial Purchase Payment is made of $100,000. The initial Benefit Base would 
be $100,000, the Guaranteed Withdrawal Amount would be $100,000, and the Annual 
Benefit Payment would be $5,000. Assume that the Benefit Base was reduced to    
$85,000 due to 3 years of withdrawing $5,000 each year. Assume the Account      
Value was further reduced to $50,000 at year four due to poor market            
performance. If you withdrew $10,000 at this time, your Account Value would be  
reduced to $50,000 - $10,000 = $40,000. Your Benefit Base would be reduced to   
$85,000 - $10,000 = $75,000. Since the withdrawal of $10,000 exceeded the       
Annual Benefit Payment of $5,000 and the resulting Benefit Base would be        
greater than the resulting Account Value, there would be an additional          
reduction to the Benefit Base. The Benefit Base after the withdrawal would be   
set equal to the Account Value after the withdrawal = $40,000. The Annual       
Benefit Payment would be set equal to the lesser of $5,000 and 5% x $40,000 =   
$2,000. The Guaranteed Withdrawal Amount would remain at $100,000, but this     
amount now no longer would be guaranteed to be received over time. The new      
Benefit Base of $40,000 would be now the amount guaranteed to be available to   
be withdrawn over time.                                                         

[GRAPHIC APPEARS HERE]                                                          

                                                                [Download Table]

Annual                                      
Benefit   Actual        Account     Benefit 
Payment   Withdrawals   Value       Base    
                                            
$0        $0            $100,000    $100,000
  5,000         5,000     85,000      95,000
  5,000         5,000     68,000      90,000
  5,000         5,000     50,000      85,000
  5,000        10,000     40,000      40,000
  2,000         2,000     38,000      38,000
  2,000         2,000     36,000      36,000
  2,000         2,000     34,000      34,000
  2,000         2,000     32,000      32,000
  2,000         2,000     30,000      30,000
  2,000         2,000     28,000      28,000
  2,000         2,000     26,000      26,000
  2,000         2,000     24,000      24,000
  2,000         2,000     22,000      22,000
  2,000         2,000     20,000      20,000
  2,000         2,000     18,000      18,000
  2,000         2,000     16,000      16,000
  2,000         2,000     14,000      14,000
  2,000         2,000     12,000      12,000

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APPENDIX E                                                                      

DEATH BENEFIT EXAMPLES                                                          

The purpose of these examples is to illustrate the operation of the Principal   
Protection death benefit and the Annual Step-Up death benefit. The investment   
results shown are hypothetical and are not representative of past or future     
performance. Actual investment results may be more or less than those shown and 
will depend upon a number of factors, including the investment allocation made  
by a contract Owner and the investment experience of the Investment Portfolios  
chosen. THE EXAMPLES DO NOT REFLECT THE DEDUCTION OF FEES AND EXPENSES,         
WITHDRAWAL CHARGES OR INCOME TAXES AND TAX PENALTIES.                           

PRINCIPAL PROTECTION DEATH BENEFIT                                              

The purpose of this example is to show how partial withdrawals reduce the       
Principal Protection death benefit proportionately by the percentage reduction  
in Account Value attributable to each partial withdrawal.                       

                                                        [Enlarge/Download Table]

                                                 DATE                         AMOUNT         
                                    ------------------------------  -------------------------
                                                                                             
A  Initial Purchase Payment                    9/1/2015             $100,000                 
B  Account Value                               9/1/2016             $104,000                 
                                    (First Contract Anniversary)                             
C  Death Benefit                            As of 9/1/2016          $104,000                 
                                                                    (= greater of A and B)   
D  Account Value                               9/1/2017             $ 90,000                 
                                    (Second Contract Anniversary)                            
E  Death Benefit                               9/1/2017             $100,000                 
                                                                    (= greater of A and D)   
F  Withdrawal                                  9/2/2017             $  9,000                 
G  Percentage Reduction in Account             9/2/2017                       10%            
   Value                                                            (= F/D)                  
H  Account Value after Withdrawal              9/2/2017             $ 81,000                 
                                                                    (= D-F)                  
I  Purchase Payments Reduced for            As of 9/2/2017          $ 90,000                 
   Withdrawal                                                       (= A-(A x G))            
J  Death Benefit                               9/2/2017             $ 90,000                 
                                                                    (= greater of H and I)   

Notes to Example                                                                
----------------                                                                

Purchaser is age 60 at issue.                                                   

The Account Values on 9/1/2017 and 9/2/2017 are assumed to be equal prior to    
the withdrawal.                                                                 

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ANNUAL STEP-UP DEATH BENEFIT                                                    

The purpose of this example is to show how partial withdrawals reduce the       
Annual Step-Up death benefit proportionately by the percentage reduction in     
Account Value attributable to each partial withdrawal.                          

                                                        [Enlarge/Download Table]

                                                      DATE                         AMOUNT         
                                         ------------------------------  -------------------------
                                                                                                  
A  Initial Purchase Payment                         9/1/2015             $100,000                 
B  Account Value                                    9/1/2016             $104,000                 
                                         (First Contract Anniversary)                             
C  Death Benefit (Highest Anniversary            As of 9/1/2016          $104,000                 
   Value)                                                                (= greater of A and B)   
D  Account Value                                    9/1/2017             $ 90,000                 
                                         (Second Contract Anniversary)                            
E  Death Benefit (Highest Contract Year             9/1/2017             $104,000                 
   Anniversary)                                                          (= greater of B and D)   
F  Withdrawal                                       9/2/2017             $  9,000                 
G  Percentage Reduction in Account                  9/2/2017                       10%            
   Value                                                                 (= F/D)                  
H  Account Value after Withdrawal                   9/2/2017             $ 81,000                 
                                                                         (= D-F)                  
I  Highest Anniversary Value Reduced             As of 9/2/2017          $ 93,600                 
   for Withdrawal                                                        (= E-(E x G))            
J  Death Benefit                                    9/2/2017             $ 93,600                 
                                                                         (= greater of H and I)   

Notes to Example                                                                
----------------                                                                

Purchaser is age 60 at issue.                                                   

The Account Values on 9/1/2017 and 9/2/2017 are assumed to be equal prior to    
the withdrawal.                                                                 

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STATEMENT OF ADDITIONAL INFORMATION 

INDIVIDUAL VARIABLE DEFERRED ANNUITY CONTRACT 

ISSUED BY 

METLIFE INVESTORS USA SEPARATE ACCOUNT A

AND 

METLIFE INSURANCE COMPANY USA 

PRIMELITE IV

THIS IS NOT A PROSPECTUS. THIS STATEMENT OF ADDITIONAL INFORMATION SHOULD BE    
READ IN CONJUNCTION WITH THE PROSPECTUS DATED NOVEMBER 17, 2014, FOR THE        
INDIVIDUAL VARIABLE DEFERRED ANNUITY CONTRACT THAT IS DESCRIBED HEREIN.         

THE PROSPECTUS CONCISELY SETS FORTH INFORMATION THAT A PROSPECTIVE INVESTOR     
OUGHT TO KNOW BEFORE INVESTING. FOR A COPY OF THE PROSPECTUS WRITE US AT: P.O.  
BOX 10426, DES MOINES, IOWA 50306-0426, OR CALL (888) 556-5412.                 

THIS STATEMENT OF ADDITIONAL INFORMATION IS DATED NOVEMBER 17, 2014.            

PRIMELITE IV IS A SERVICE MARK OF PRIMERICA, INC. METLIFE INSURANCE COMPANY USA 
USES THIS MARK PURSUANT TO A LICENSE AGREEMENT.                                 

SAI-1114USAPRIMELITE IV                                                         
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TABLE OF CONTENTS                          PAGE                                 

                                                                [Download Table]
                                               
COMPANY.................................     3 
INDEPENDENT REGISTERED PUBLIC ACCOUNTING       
FIRM....................................     3 
CUSTODIAN...............................     3 
DISTRIBUTION............................     3 
     Reduction or Elimination of the           
       Withdrawal Charge................     5 
CALCULATION OF PERFORMANCE INFORMATION..     5 
     Total Return.......................     5 
     Historical Unit Values.............     6 
     Reporting Agencies.................     6 
ANNUITY PROVISIONS......................     7 
     Variable Annuity...................     7 
     Fixed Annuity......................     8 
     Mortality and Expense Guarantee....     8 
     Legal or Regulatory Restrictions          
       on Transactions..................     8 
ADDITIONAL FEDERAL TAX CONSIDERATIONS...     8 
CONDENSED FINANCIAL INFORMATION.........    12 
FINANCIAL STATEMENTS....................    90 

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COMPANY                                                                         

Effective following the close of business on November 14, 2014, MetLife         
Investors USA Insurance Company, a wholly-owned subsidiary of MetLife Insurance 
Company of Connecticut, MetLife Investors Insurance Company and Exeter          
Reassurance Company, Ltd. were merged into MetLife Insurance Company of         
Connecticut, and MetLife Insurance Company of Connecticut was then renamed      
MetLife Insurance Company USA ("MetLife USA"). Simultaneously, MetLife USA      
changed its domicile from Connecticut to the state of Delaware. As a result of  
the merger, MetLife USA assumed legal ownership of all of the assets of these   
companies, including MetLife Investors USA Separate Account A and the assets    
held in the separate account. MetLife USA is now responsible for administering  
the contracts and paying any benefits due under the contracts.                  

MetLife USA is a stock life insurance company originally chartered in           
Connecticut in 1863 and currently subject to the laws of the State of Delaware. 
MetLife USA is licensed to conduct business in all states of the United States, 
except New York, and in the District of Columbia, Puerto Rico, Guam, the U.S.   
and British Virgin Islands and the Bahamas. MetLife USA is a wholly-owned       
subsidiary of MetLife, Inc., a publicly-traded company. MetLife, Inc., through  
its subsidiaries and affiliates, is a leading provider of insurance and         
financial services to individuals and institutional customers. MetLife USA's    
principal executive offices are located at 11225 North Community House Road,    
Charlotte, NC 28277.                                                            

INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM                                   

The financial statements and financial highlights comprising each of the        
Sub-Accounts of MetLife Investors USA Separate Account A, 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 MetLife Insurance Company of Connecticut 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 financial statements of MetLife Investors Insurance Company ("MLI"),        
included in this Statement of Additional Information, have been audited by      
Deloitte & Touche LLP, independent auditors, as stated in their report          
appearing herein (which report expresses an unmodified opinion and includes an  
other matter paragraph related to MLI being a member of a controlled group).    
Such financial statements are included in reliance upon the report of such firm 
given upon their authority as experts in accounting and auditing.               

The financial statements of Exeter Reassurance Company, Ltd. ("Exeter"),        
included in this Statement of Additional Information, have been audited by      
Deloitte & Touche LLP, independent auditors, as stated in their report          
appearing herein (which report expresses an unmodified opinion and includes an  
emphasis of matter paragraph related to restatements of the statements of cash  
flows, and an other matters paragraph related to a change in Exeter's           
presentation of insurance liabilities and to Exeter being a member of a         
controlled group). Such financial statements 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.                                           

CUSTODIAN                                                                       

MetLife Insurance Company USA, 11225 North Community House Road, Charlotte, NC  
28277, 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                                                                    

Information about the distribution of the contracts is contained in the         
prospectus. (See "Other Information.") Additional information is provided       
below.                                                                          

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The contracts are offered to the public on a continuous basis. We anticipate    
continuing to offer the contracts, but reserve the right to discontinue the     
offering.                                                                       

MetLife Investors Distribution Company ("Distributor") serves as principal      
underwriter for the contracts. Distributor is a Missouri corporation and its    
home office is located at 1095 Avenue of the Americas, New York, NY 10036. In   
December 2004, MetLife Investors Distribution Company, which was then a         
Delaware corporation, was merged into General American Distributors, Inc., and  
the name of the surviving corporation was changed to MetLife Investors          
Distribution Company. Distributor is an indirect, wholly-owned subsidiary of    
MetLife, Inc. Distributor is registered as a broker-dealer with the Securities  
and Exchange Commission under the Securities Exchange Act of 1934 and is a      
member of the Financial Industry Regulatory Authority ("FINRA"). Distributor    
has entered into selling agreements with other broker-dealers ("selling firms") 
and compensates them for their services.                                        

Distributor (including its predecessor) received sales compensation with        
respect to all contracts issued from the Separate Account in the following      
amounts during the periods indicated:                                           

                                                                [Download Table]

                                           Aggregate Amount of 
                                           Commissions Retained
                  Aggregate Amount of      by Distributor After
                  Commissions Paid to      Payments to Selling 
Fiscal year           Distributor                 Firms        
-------------    ---------------------    ---------------------
                                                               
2013             $  456,083,088           $0                   
2012             $  689,121,186           $0                   
2011             $1,101,222,893           $0                   

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

As noted in the prospectus, we and Distributor pay compensation to all selling  
firms in the form of commissions and certain types of non-cash compensation. We 
and Distributor may pay additional compensation to selected firms, including    
marketing allowances, introduction fees, persistency payments, preferred status 
fees and industry conference fees. The terms of any particular agreement        
governing compensation may vary among selling firms and the amounts may be      
significant. The amount of additional compensation (non-commission amounts)     
paid to selected selling firms during 2013 ranged from $370 to $19,654,296.*    
The amount of commissions paid to selected selling firms during 2013 ranged     
from $0 to $58,087,068. The amount of total compensation (includes              
non-commission as well as commission amounts) paid to selected selling firms    
during 2013 ranged from $1,696 to $77,741,364.*                                 

* For purposes of calculating this range, the additional compensation           
(non-commission) amounts received by a selling firm includes additional         
compensation received by the firm for the sale of insurance products issued by  
our affiliates First MetLife Investors Insurance Company, MetLife Investors     
Insurance Company, and MetLife Investors USA Insurance Company. (On November,   
14, 2014, following the close of business MetLife Investors Insurance Company   
and MetLife Investors USA Insurance Company merged into MetLife USA.)           

The following list sets forth the names of selling firms that received          
additional compensation in 2013 in connection with the sale of our variable     
annuity contracts, variable life policies and other insurance products          
(including the contracts offered by the prospectus). The selling firms are      
listed in alphabetical order.                                                   

Ameriprise Financial Services, Inc.                                             
BBVA Compass Investment Solutions, Inc.                                         
Capital Investments Group, Inc.                                                 
CCO Investment Services Corp.                                                   
Centaurus Financial, Inc.                                                       
Cetera Advisor Networks LLC                                                     
Cetera Financial Specialists LLC                                                
CFD Investment, Inc.                                                            
Citigroup Global Markets, Inc.                                                  
Commonwealth Financial Network                                                  
CUSO Financial Services, L.P.                                                   
Edward D. Jones & Co., L.P.                                                     
Essex National Securities, Inc.                                                 
Financial Network Investment Corporation                                        
First Allied Securities, Inc.                                                   
First Tennessee Brokerage, Inc.                                                 
Founders Financial Securities, LLC                                              
FSC Securities Corporation                                                      
H. D. Vest Investment Services, Inc.                                            
ING Financial Partners, Inc.                                                    
Investacorp, Inc.                                                               
Investment Centers of America, Inc.                                             
Investment Professionals, Inc.                                                  
J.J.B. Hilliard, W.L. Lyons, LLC                                                

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Janney Montgomery Scott, LLC                                                    
Key Investment Services LLC                                                     
Lincoln Financial Advisors Corporation                                          
Lincoln Financial Securities Corporation                                        
Lincoln Investment Planning, Inc.                                               
LPL Financial LLC                                                               
M&T Securities, Inc.                                                            
Merrill Lynch, Inc.                                                             
Morgan Stanley Smith Barney, LLC                                                
Multi Financial Securities Corporation                                          
National Planning Corporation                                                   
NEXT Financial Group                                                            
NFP Securities, Inc.                                                            
PFS Investments Inc.                                                            
Pioneer Funds Distributor, Inc.                                                 
PNC Investments LLC                                                             
PrimeVest Financial Services, Inc.                                              
ProEquities, Inc.                                                               
Raymond James & Associates, Inc.                                                
Raymond James Financial Services, Inc.                                          
RBC Wealth Management                                                           
Royal Alliance Associates, Inc.                                                 
SII Investments, Inc.                                                           
Sammons Securities Company, LLC                                                 
Santander Securities, LLC.                                                      
Securities America, Inc.                                                        
Sigma Financial Corporation                                                     
Signator Investors, Inc.                                                        
Stifel, Nicolaus & Company, Incorporated                                        
Transamerica Financial Advisors, Inc.                                           
Triad Advisors, Inc.                                                            
UBS Financial Services, Inc.                                                    
U.S. Bancorp Investments, Inc.                                                  
United Planners' Financial Services of America                                  
ValMark Securities, Inc.                                                        
Wall Street Financial Group, Inc.                                               
Wells Fargo Advisors Financial Network, LLC                                     
Wells Fargo Advisors, LLC                                                       
Woodbury Financial Services, Inc.                                               

There are other broker dealers who receive compensation for servicing our       
contracts, and the Account Value of the contracts or the amount of added        
Purchase Payments received may be included in determining their additional      
compensation, if any.                                                           

REDUCTION OR ELIMINATION OF THE WITHDRAWAL CHARGE                               

The amount of the withdrawal charge on the contracts may be reduced or          
eliminated when sales of the contracts are made to individuals or to a group of 
individuals in a manner that results in savings of sales expenses. The          
entitlement to reduction of the withdrawal charge will be determined by the     
Company after examination of all the relevant factors such as:                  

1.   The size and type of group to which sales are to be made will be           
    considered. Generally, the sales expenses for a larger group are less than
  for a smaller group because of the ability to implement large numbers of
contracts with fewer sales contacts.                                  

2.   The total amount of Purchase Payments to be received will be considered.   
Per contract sales expenses are likely to be less on larger Purchase  
Payments than on smaller ones.                                        

3.   Any prior or existing relationship with the Company will be considered.    
 Per contract sales expenses are likely to be less when there is a prior
existing relationship because of the likelihood of implementing the   
contract with fewer sales contacts.                                   

4.   There may be other circumstances, of which the Company is not presently    
aware, which could result in reduced sales expenses.                  

If, after consideration of the foregoing factors, the Company determines that   
there will be a reduction in sales expenses, the Company may provide for a      
reduction or elimination of the withdrawal charge.                              

The withdrawal charge may be eliminated when the contracts are issued to an     
officer, director or employee of the Company or any of its affiliates. In no    
event will any reduction or elimination of the withdrawal charge be permitted   
where the reduction or elimination will be unfairly discriminatory to any       
person. In lieu of a withdrawal charge waiver, we may provide an Account Value  
credit.                                                                         

CALCULATION OF PERFORMANCE INFORMATION                                          

TOTAL RETURN                                                                    

From time to time, the Company may advertise performance data. Such data will   
show the percentage change in the value of an Accumulation Unit based on the    
performance of an Investment Portfolio over a period of time, usually a         
calendar year, determined by dividing the increase (decrease) in value for that 
unit by the Accumulation Unit value at the beginning of the period.             

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Any such advertisement will include total return figures for the time periods   
indicated in the advertisement. Such total return figures will reflect the      
deduction of the Separate Account product charges (including death benefit      
rider charges), the expenses for the underlying Investment Portfolio being      
advertised and any applicable account fee, withdrawal charges and/or GWB rider  
charge. For purposes of calculating performance information, the GWB rider      
charge may be reflected as a percentage of Account Value or other theoretical   
benefit base. Premium taxes are not reflected. The deduction of such charges    
would reduce any percentage increase or make greater any percentage decrease.   

The hypothetical value of a contract purchased for the time periods described   
in the advertisement will be determined by using the actual Accumulation Unit   
values for an initial $1,000 Purchase Payment, and deducting any applicable     
account fee and any applicable sales charge to arrive at the ending             
hypothetical value. The average annual total return is then determined by       
computing the fixed interest rate that a $1,000 Purchase Payment would have to  
earn annually, compounded annually, to grow to the hypothetical value at the    
end of the time periods described. The formula used in these calculations is:   

P (1 + T)n = ERV                                                            

Where:                                                                          

P = a hypothetical initial payment of $1,000                                

T = average annual total return                                             

n = number of years                                                         

ERV =  ending redeemable value at the end of the time periods used (or      
fractional portion thereof) of a hypothetical $1,000          
payment made at the beginning of the 1, 5 or 10 year          
periods used.                                                 

The Company may also advertise performance data which will be calculated in the 
same manner as described above but which will not reflect the deduction of a    
withdrawal charge or GWB rider charge. Premium taxes are not reflected. The     
deduction of such charges would reduce any percentage increase or make greater  
any percentage decrease.                                                        

Owners should note that the investment results of each Investment Portfolio     
will fluctuate over time, and any presentation of the Investment Portfolio's    
total return for any period should not be considered as a representation of     
what an investment may earn or what the total return may be in any future       
period.                                                                         

HISTORICAL UNIT VALUES                                                          

The Company may also show historical Accumulation Unit values in certain        
advertisements containing illustrations. These illustrations will be based on   
actual Accumulation Unit values.                                                

In addition, the Company may distribute sales literature which compares the     
percentage change in Accumulation Unit values for any of the against            
established market indices such as the Standard & Poor's 500 Composite Stock    
Price Index, the Dow Jones Industrial Average or other management investment    
companies which have investment objectives similar to the Investment Portfolio  
being compared. The Standard & Poor's 500 Composite Stock Price Index is an     
unmanaged, unweighted average of 500 stocks, the majority of which are listed   
on the New York Stock Exchange. The Dow Jones Industrial Average is an          
unmanaged, weighted average of thirty blue chip industrial corporations listed  
on the New York Stock Exchange. Both the Standard & Poor's 500 Composite Stock  
Price Index and the Dow Jones Industrial Average assume quarterly reinvestment  
of dividends.                                                                   

REPORTING AGENCIES                                                              

The Company may also distribute sales literature which compares the performance 
of the Accumulation Unit values of the Contracts with the unit values of        
variable annuities issued by other insurance companies. Such information will   
be derived from the Lipper Variable Insurance Products Performance Analysis     
Service, the VARDS Report or from Morningstar.                                  

The Lipper Variable Insurance Products Performance Analysis Service is          
published by Lipper Analytical Services, Inc., a publisher of statistical data  
which currently tracks the performance of thousands of investment companies.    
The rankings compiled by Lipper may or may not reflect the deduction of         
asset-based insurance charges. The Company's sales literature utilizing these   
rankings will indicate whether or not such charges have been deducted. Where    
the charges have not been deducted, the sales literature will indicate that if  
the charges had been deducted, the ranking might have been lower.               

The VARDS Report is a monthly variable annuity industry analysis compiled by    
Variable Annuity Research & Data Service. The VARDS rankings may or may not     
reflect the                                                                     

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deduction of asset-based insurance charges. In addition, VARDS prepares risk    
adjusted rankings, which consider the effects of market risk on total return    
performance. This type of ranking may address the question as to which funds    
provide the highest total return with the least amount of risk. Other ranking   
services may be used as sources of performance comparison, such as              
CDA/Weisenberger.                                                               

Morningstar rates a variable annuity against its peers with similar investment  
objectives. Morningstar does not rate any variable annuity that has less than   
three years of performance data.                                                

ANNUITY PROVISIONS                                                              

VARIABLE ANNUITY                                                                

A variable annuity is an annuity with payments which: (1) are not predetermined 
as to dollar amount; and (2) will vary in amount in proportion to the amount    
that the net investment factor exceeds the assumed investment return selected.  

The Adjusted Contract Value (the Account Value, less any applicable premium     
taxes, account fee, and any prorated rider charge) will be applied to the       
applicable Annuity Table to determine the first Annuity Payment. The Adjusted   
Contract Value is determined on the annuity calculation date, which is a        
Business Day no more than five (5) Business Days before the Annuity Date. The   
dollar amount of the first variable Annuity Payment is determined as follows:   
The first variable Annuity Payment will be based upon the Annuity Option        
elected, the Annuitant's age, the Annuitant's sex (where permitted by law), and 
the appropriate variable Annuity Option table. Your annuity rates will not be   
less than those guaranteed in your contract at the time of purchase for the     
assumed investment return and Annuity Option elected. If, as of the annuity     
calculation date, the then current variable Annuity Option rates applicable to  
this class of contracts provide a first Annuity Payment greater than that which 
is guaranteed under the same Annuity Option under this contract, the greater    
payment will be made.                                                           

The dollar amount of variable Annuity Payments after the first payment is       
determined as follows:                                                          

1.   the dollar amount of the first variable Annuity Payment is divided by the  
 value of an Annuity Unit for each applicable Investment Portfolio as of
    the annuity calculation date. This establishes the number of Annuity Units
   for each monthly payment. The number of Annuity Units for each applicable
  Investment Portfolio remains fixed during the annuity period, unless you
transfer values from the Investment Portfolio to another Investment   
Portfolio;                                                            

2.   the fixed number of Annuity Units per payment in each Investment Portfolio 
   is multiplied by the Annuity Unit value for that Investment Portfolio for
  the Business Day for which the Annuity Payment is being calculated. This
   result is the dollar amount of the payment for each applicable Investment
    Portfolio, less any account fee. The account fee will be deducted pro rata
out of each Annuity Payment.                                          

The total dollar amount of each variable Annuity Payment is the sum of all      
Investment Portfolio variable Annuity Payments.                                 

ANNUITY UNIT - The initial Annuity Unit value for each Investment Portfolio of  
the Separate Account was set by us.                                             

The subsequent Annuity Unit value for each Investment Portfolio is determined   
by multiplying the Annuity Unit value for the immediately preceding Business    
Day by the net investment factor for the Investment Portfolio for the current   
Business Day and multiplying the result by a factor for each day since the last 
Business Day which represents the daily equivalent of the AIR you elected.      

(1) the dollar amount of the first Annuity Payment is divided by the value of   
an Annuity Unit as of the Annuity Date. This establishes the number of Annuity  
Units for each monthly payment. The number of Annuity Units remains fixed       
during the Annuity Payment period.                                              

(2) the fixed number of Annuity Units is multiplied by the Annuity Unit value   
for the last valuation period of the month preceding the month for which the    
payment is due. This result is the dollar amount of the payment.                

NET INVESTMENT FACTOR - The net investment factor for each Investment Portfolio 
is determined by dividing A by B and multiplying by (1-C) where:                

A is (i)   the net asset value per share of the portfolio at the end of the     
current Business Day; plus                                

(ii)   any dividend or capital gains per share declared on behalf of    
   such portfolio that has an ex-dividend date as of the current
Business Day.                                             

B is       the net asset value per share of the portfolio for the immediately   
preceding Business Day.                                   

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C is (i)   the Separate Account product charges and for each day since the last 
    Business Day. The daily charge is equal to the annual Separate
Account product charges divided by 365; plus              

(ii)   a charge factor, if any, for any taxes or any tax reserve we     
   have established as a result of the operation of the Separate
Account.                                                  

Transfers During the Annuity Phase:                                             

o   You may not make a transfer from the fixed Annuity Option to the variable   
Annuity Option;                                                         

o   Transfers among the subaccounts will be made by converting the number of    
Annuity Units being transferred to the number of Annuity Units of the   
  subaccount to which the transfer is made, so that the next Annuity Payment
if it were made at that time would be the same amount that it would have
been without the transfer. Thereafter, Annuity Payments will reflect    
changes in the value of the new Annuity Units; and                      

o   You may make a transfer from the variable Annuity Option to the fixed       
Annuity Option. The amount transferred from a subaccount of the Separate
Account will be equal to the product of "(a)" multiplied by "(b)"       
  multiplied by "(c)", where (a) is the number of Annuity Units representing
your interest in the subaccount per Annuity Payment; (b) is the Annuity 
Unit value for the subaccount; and (c) is the present value of $1.00 per
payment period for the remaining annuity benefit period based on the    
attained age of the Annuitant at the time of transfer, calculated using 
the same actuarial basis as the variable annuity rates applied on the   
Annuity Date for the Annuity Option elected. Amounts transferred to the 
fixed Annuity Option will be applied under the Annuity Option elected at
the attained age of the Annuitant at the time of the transfer using the 
fixed Annuity Option table. If at the time of transfer, the then current
  fixed Annuity Option rates applicable to this class of contracts provide a
  greater payment, the greater payment will be made. All amounts and Annuity
 Unit values will be determined as of the end of the Business Day on which
the Company receives a notice.                                          

FIXED ANNUITY                                                                   

A fixed annuity is a series of payments made during the Annuity Phase which are 
guaranteed as to dollar amount by the Company and do not vary with the          
investment experience of the Separate Account. The Adjusted Contract Value on   
the day immediately preceding the Annuity Date will be used to determine the    
fixed annuity monthly payment. The monthly Annuity Payment will be based upon   
the Annuity Option elected, the Annuitant's age, the Annuitant's sex (where     
permitted by law), and the appropriate Annuity Option table. Your annuity rates 
will not be less than those guaranteed in your contract at the time of          
purchase. If, as of the annuity calculation date, the then current Annuity      
Option rates applicable to this class of contracts provide an Annuity Payment   
greater than that which is guaranteed under the same Annuity Option under this  
contract, the greater payment will be made.                                     

MORTALITY AND EXPENSE GUARANTEE                                                 

The Company guarantees that the dollar amount of each Annuity Payment after the 
first Annuity Payment will not be affected by variations in mortality or        
expense experience.                                                             

LEGAL OR REGULATORY RESTRICTIONS ON TRANSACTIONS                                

If mandated under applicable law, the Company may be required to reject a       
premium payment. The Company may also be required to block a contract Owner's   
account and thereby refuse to pay any request for transfers, withdrawals,       
surrenders, death benefits or continue making Annuity Payments until            
instructions are received from the appropriate regulator.                       

ADDITIONAL FEDERAL TAX CONSIDERATIONS                                           

NON-QUALIFIED CONTRACTS                                                         

DIVERSIFICATION. In order for your Non-Qualified Contract to be considered an   
annuity contract for federal income tax purposes, we must comply with certain   
diversification standards with respect to the investments underlying the        
contract. We believe that we satisfy and will continue to satisfy these         
diversification standards. Failure to meet these standards would result in      
immediate taxation to contract Owners of gains under their contracts.           
Inadvertent failure to meet these standards may be correctable.                 

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CHANGES TO TAX RULES AND INTERPRETATIONS                                        

Changes to applicable tax rules and interpretations can adversely affect the    
tax treatment of your contract. These changes may take effect retroactively.    

We reserve the right to amend your contract where necessary to maintain its     
status as a variable annuity contract under federal tax law and to protect you  
and other contract Owners in the Investment Portfolios from adverse tax         
consequences.                                                                   

3.8% INVESTMENT TAX                                                             

The 3.8% investment tax applies to investment income earned in households       
making at least $250,000 ($200,000 single) and will result in the following top 
tax rates on investment income:                                                 

                                                                [Download Table]

   Capital Gains       Dividends        Other  
------------------    -----------    ----------
                                               
        23.8%         43.4%          43.4%     

The table above also incorporates the scheduled increase in the capital gains   
rate from 15% to 20%, and the scheduled increase in the dividends rate from 15% 
to 39.6%.                                                                       

QUALIFIED 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.         

IRA                                                                             

Established by an individual, or employer as part of an employer plan.          

SIMPLE                                                                          

Established by a for-profit employer with fewer than 100 employees, based on    
IRA accounts for each participant.                                              

SEP                                                                             

Established by a for-profit employer, based on IRA accounts for each            
participant. Employer only contributions.                                       

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                                   

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 not use both the age 50 or older  
catch-up and the special one-time catch-up contribution 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.                                

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ROTH ACCOUNT                                                                    

Individual or employee plan contributions made to certain plans on an after-tax 
basis. An IRA may be established as a Roth IRA, and 401(k), 403(b) and 457(b)   
plans may provide for Roth accounts.                                            

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:        

(a)        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);

(b)        make certain withdrawals under plans for which a qualified consent   
is required;                                              

(c)        name someone other than the spouse as your Beneficiary; or           

(d)        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                          

(1)   IRA: elective contribution: $5,500; catch-up contribution: $1,000         

(2)   SIMPLE: elective contribution: $12,000; catch-up contribution: $2,500     

(3)   401(K): elective contribution: $17,500; catch-up contribution: $5,500     

(4)   SEP/401(A): (employer contributions only)                                 

(5)   403(B) (TSA): elective contribution: $17,500; catch-up contribution:      
$5,500                                                              

(6)   457(B): elective contribution: $17,500; catch-up contribution: $5,500     

Dollar limits are for 2014 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 not to exceed the greater of  
$52,000 or 25% of an employee's compensation for 2014.                          

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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.                  

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CONDENSED FINANCIAL INFORMATION                                                 

The following charts list the Condensed Financial Information (the accumulation 
unit value information for the accumulation units outstanding) for contracts    
issued as of December 31, 2013. See "Purchase - Accumulation Units" in the      
prospectus for information on how accumulation unit values are calculated. The  
charts present accumulation unit values based upon which riders you select. The 
charts are in addition to the charts in the prospectus.                         

                                                        [Enlarge/Download Table]

                       1.10% SEPARATE ACCOUNT PRODUCT CHARGES                              
                                                                        NUMBER OF          
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION         
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS            
                                   BEGINNING OF        END OF        OUTSTANDING AT        
                                      PERIOD           PERIOD         END OF PERIOD        
                                 ---------------  ---------------  ------------------      
                                                                                           
AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS)                            
INVESCO V.I. AMERICAN VALUE SUB-ACCOUNT (SERIES II)                                        
 (FORMERLY INVESCO V.I. VAN KAMPEN AMERICAN VALUE FUND SUB-ACCOUNT (SERIES II) AND         
BEFORE THAT THE UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF U.S. MID CAP VALUE    
SUB-ACCOUNT (CLASS II))                                                                    
  06/01/2007    to  12/31/2007       11.708876        11.032400          20,548.8297       
  01/01/2008    to  12/31/2008       11.032400         6.391755         144,117.4365       
  01/01/2009    to  12/31/2009        6.391755         8.797462         167,702.3800       
  01/01/2010    to  12/31/2010        8.797462        10.631347         223,251.3288       
  01/01/2011    to  12/31/2011       10.631347        10.602201         405,136.6614       
  01/01/2012    to  12/31/2012       10.602201        12.276135         489,779.7639       
  01/01/2013    to  12/31/2013       12.276135        16.261913         566,350.0740       
============   ==== ==========       =========        =========       ==============       
INVESCO V.I. EQUITY AND INCOME SUB-ACCOUNT (SERIES II)                                     
 (FORMERLY INVESCO V.I. VAN KAMPEN EQUITY AND INCOME SUB-ACCOUNT (SERIES II) AND BEFORE    
THAT THE UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF EQUITY AND INCOME SUB-ACCOUNT
(CLASS II))                                                                                
  06/01/2007    to  12/31/2007       16.255517        15.516740         359,225.3753       
  01/01/2008    to  12/31/2008       15.516740        11.865797         900,912.9780       
  01/01/2009    to  12/31/2009       11.865797        14.375222       1,296,459.7000       
  01/01/2010    to  12/31/2010       14.375222        15.928644       1,689,655.4853       
  01/01/2011    to  12/31/2011       15.928644        15.549980       2,198,387.0562       
  01/01/2012    to  12/31/2012       15.549980        17.284185       2,535,130.6471       
  01/01/2013    to  12/31/2013       17.284185        21.349398       2,787,228.4065       
============   ==== ==========       =========        =========       ==============       
INVESCO V.I. GLOBAL REAL ESTATE SUB-ACCOUNT                                                
  06/01/2007    to  12/31/2007       11.128271         9.652917          20,140.9523       
  01/01/2008    to  12/31/2008        9.652917         5.277415          67,194.8660       
  01/01/2009    to  12/31/2009        5.277415         6.842918          84,516.1200       
  01/01/2010    to  12/31/2010        6.842918         7.934848         129,124.5943       
  01/01/2011    to  12/31/2011        7.934848         7.320231         176,231.1814       
  01/01/2012    to  12/31/2012        7.320231         9.255781         207,981.9687       
  01/01/2013    to  12/31/2013        9.255781         9.377689         326,956.0520       
============   ==== ==========       =========        =========       ==============       

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                      1.10% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
INVESCO V.I. GROWTH AND INCOME SUB-ACCOUNT (SERIES II)                            
 (FORMERLY INVESCO V.I. VAN KAMPEN GROWTH AND INCOME SUB-ACCOUNT (SERIES II) AND  
BEFORE THAT VAN KAMPEN LIFE INVESTMENT TRUST - VAN KAMPEN LIT GROWTH AND INCOME   
SUB-ACCOUNT (CLASS II))                                                           
  06/01/2007    to  12/31/2007       28.981375        26.866861       71,966.0888 
  01/01/2008    to  12/31/2008       26.866861        18.013091      250,696.1120 
  01/01/2009    to  12/31/2009       18.013091        22.111343      376,682.2800 
  01/01/2010    to  12/31/2010       22.111343        24.535886      499,908.6904 
  01/01/2011    to  12/31/2011       24.535886        23.719199      709,853.8088 
  01/01/2012    to  12/31/2012       23.719199        26.824225      829,388.9321 
  01/01/2013    to  12/31/2013       26.824225        35.489751      863,657.9216 
============   ==== ==========       =========        =========      ============ 
INVESCO V.I. INTERNATIONAL GROWTH SUB-ACCOUNT (SERIES II)                         
  06/01/2007    to  12/31/2007       30.819812        31.052093       48,428.7800 
  01/01/2008    to  12/31/2008       31.052093        18.264303      178,546.3388 
  01/01/2009    to  12/31/2009       18.264303        24.371222      261,582.1200 
  01/01/2010    to  12/31/2010       24.371222        27.143957      391,364.5772 
  01/01/2011    to  12/31/2011       27.143957        24.970400      553,180.5386 
  01/01/2012    to  12/31/2012       24.970400        28.463162      669,145.7929 
  01/01/2013    to  12/31/2013       28.463162        33.421195      743,498.9115 
============   ==== ==========       =========        =========      ============ 
AMERICAN FUNDS INSURANCE SERIES (Reg. TM)                                         
AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS 2)                                         
  06/01/2007    to  12/31/2007       16.264059        16.371304       77,375.9490 
  01/01/2008    to  12/31/2008       16.371304        14.678086      280,835.1395 
  01/01/2009    to  12/31/2009       14.678086        16.347559      427,774.8100 
  01/01/2010    to  12/31/2010       16.347559        17.210743      541,666.1840 
  01/01/2011    to  12/31/2011       17.210743        18.061951      627,631.6911 
  01/01/2012    to  12/31/2012       18.061951        18.823257      727,045.1206 
  01/01/2013    to  12/31/2013       18.823257        18.215536      799,514.4089 
============   ==== ==========       =========        =========      ============ 
AMERICAN FUNDS GLOBAL GROWTH SUB-ACCOUNT (CLASS 2)                                
  06/01/2007    to  12/31/2007       29.418979        30.281644       82,242.0113 
  01/01/2008    to  12/31/2008       30.281644        18.451854      288,229.7380 
  01/01/2009    to  12/31/2009       18.451854        25.970580      359,603.0200 
  01/01/2010    to  12/31/2010       25.970580        28.703763      431,922.7333 
  01/01/2011    to  12/31/2011       28.703763        25.867632      501,573.9487 
  01/01/2012    to  12/31/2012       25.867632        31.355512      580,519.8606 
  01/01/2013    to  12/31/2013       31.355512        40.061369      587,719.3181 
============   ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                      1.10% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION SUB-ACCOUNT (CLASS 2)                  
  06/01/2007    to  12/31/2007       35.989353        36.378917       20,995.6088 
  01/01/2008    to  12/31/2008       36.378917        16.722656       91,696.3156 
  01/01/2009    to  12/31/2009       16.722656        26.678066      143,929.9800 
  01/01/2010    to  12/31/2010       26.678066        32.300720      156,448.0006 
  01/01/2011    to  12/31/2011       32.300720        25.831721      193,048.1977 
  01/01/2012    to  12/31/2012       25.831721        30.191820      219,177.9919 
  01/01/2013    to  12/31/2013       30.191820        38.306171      232,801.1273 
============   ==== ==========      ==========       ==========      ============ 
AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS 2)                                       
  06/01/2007    to  12/31/2007      190.086616       189.747601       31,271.1046 
  01/01/2008    to  12/31/2008      189.747601       105.146036      112,714.1000 
  01/01/2009    to  12/31/2009      105.146036       144.982734      141,708.6500 
  01/01/2010    to  12/31/2010      144.982734       170.185625      179,147.0797 
  01/01/2011    to  12/31/2011      170.185625       161.128605      207,074.5293 
  01/01/2012    to  12/31/2012      161.128605       187.867881      222,224.1269 
  01/01/2013    to  12/31/2013      187.867881       241.747185      217,081.0434 
============   ==== ==========      ==========       ==========      ============ 
AMERICAN FUNDS GROWTH-INCOME SUB-ACCOUNT (CLASS 2)                                
  06/01/2007    to  12/31/2007      134.777062       128.960572       18,449.4029 
  01/01/2008    to  12/31/2008      128.960572        79.270739       64,289.8523 
  01/01/2009    to  12/31/2009       79.270739       102.897785       82,249.0900 
  01/01/2010    to  12/31/2010      102.897785       113.401952       94,562.6974 
  01/01/2011    to  12/31/2011      113.401952       110.111457      106,783.7077 
  01/01/2012    to  12/31/2012      110.111457       127.939323      108,933.3473 
  01/01/2013    to  12/31/2013      127.939323       168.931350      106,753.7349 
============   ==== ==========      ==========       ==========      ============ 
FIDELITY (Reg. TM) VARIABLE INSURANCE PRODUCTS                                    
VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS)                              
  06/01/2007    to  12/31/2007       46.335405        49.349677       56,278.4765 
  01/01/2008    to  12/31/2008       49.349677        28.008719      191,084.9480 
  01/01/2009    to  12/31/2009       28.008719        37.582358      282,153.2700 
  01/01/2010    to  12/31/2010       37.582358        43.530993      369,250.3887 
  01/01/2011    to  12/31/2011       43.530993        41.920415      458,271.4172 
  01/01/2012    to  12/31/2012       41.920415        48.220899      539,884.3181 
  01/01/2013    to  12/31/2013       48.220899        62.547985      532,394.2319 
============   ==== ==========      ==========       ==========      ============ 
VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS 2)                            
  08/12/2013    to  12/31/2013        5.546090         6.122796      470,064.8206 
============   ==== ==========      ==========       ==========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                      1.10% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
VIP MID CAP SUB-ACCOUNT (SERVICE CLASS 2)                                         
  06/01/2007    to  12/31/2007       41.711774        42.321308       40,894.5580 
  01/01/2008    to  12/31/2008       42.321308        25.278513      150,799.9036 
  01/01/2009    to  12/31/2009       25.278513        34.940819      217,957.2900 
  01/01/2010    to  12/31/2010       34.940819        44.432842      322,765.9648 
  01/01/2011    to  12/31/2011       44.432842        39.178219      487,147.4113 
  01/01/2012    to  12/31/2012       39.178219        44.390150      599,526.0722 
  01/01/2013    to  12/31/2013       44.390150        59.653172      622,009.7147 
============   ==== ==========       =========        =========      ============ 
FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST                              
FRANKLIN INCOME SECURITIES SUB-ACCOUNT (CLASS 2)                                  
  06/01/2007    to  12/31/2007       51.049194        48.961477       47,027.3976 
  01/01/2008    to  12/31/2008       48.961477        34.063284      141,442.7004 
  01/01/2009    to  12/31/2009       34.063284        45.683108      198,921.6400 
  01/01/2010    to  12/31/2010       45.683108        50.909631      256,004.8802 
  01/01/2011    to  12/31/2011       50.909631        51.554448      346,964.2728 
  01/01/2012    to  12/31/2012       51.554448        57.438882      395,522.1720 
  01/01/2013    to  12/31/2013       57.438882        64.730762      424,182.5998 
============   ==== ==========       =========        =========      ============ 
FRANKLIN SMALL CAP VALUE SECURITIES SUB-ACCOUNT (CLASS 2)                         
  06/01/2007    to  12/31/2007       10.247338         8.784774       37,235.4635 
  01/01/2008    to  12/31/2008        8.784774         5.819679      106,623.0915 
  01/01/2009    to  12/31/2009        5.819679         7.434270      204,510.9900 
  01/01/2010    to  12/31/2010        7.434270         9.428187      331,403.2607 
  01/01/2011    to  12/31/2011        9.428187         8.974607      554,588.6483 
  01/01/2012    to  12/31/2012        8.974607        10.508042      770,942.3960 
  01/01/2013    to  12/31/2013       10.508042        14.159438      901,947.2097 
============   ==== ==========       =========        =========      ============ 
MUTUAL SHARES SECURITIES SUB-ACCOUNT (CLASS 2)                                    
  06/01/2007    to  12/31/2007       26.942539        25.035417       63,622.0772 
  01/01/2008    to  12/31/2008       25.035417        15.572217      187,679.6031 
  01/01/2009    to  12/31/2009       15.572217        19.413799      248,230.1700 
  01/01/2010    to  12/31/2010       19.413799        21.351106      311,272.8042 
  01/01/2011    to  12/31/2011       21.351106        20.897968      358,240.6530 
  01/01/2012    to  12/31/2012       20.897968        23.612178      373,022.9676 
  01/01/2013    to  12/31/2013       23.612178        29.954049      371,783.4321 
============   ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.10% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
TEMPLETON GLOBAL BOND SECURITIES SUB-ACCOUNT                                         
  06/01/2007    to  12/31/2007       12.500849        13.007079          65,172.8174 
  01/01/2008    to  12/31/2008       13.007079        13.662853         182,152.4463 
  01/01/2009    to  12/31/2009       13.662853        16.038048         315,920.6700 
  01/01/2010    to  12/31/2010       16.038048        18.154547         548,702.2702 
  01/01/2011    to  12/31/2011       18.154547        17.800072         894,637.1254 
  01/01/2012    to  12/31/2012       17.800072        20.256655       1,213,512.7339 
  01/01/2013    to  12/31/2013       20.256655        20.361468       1,379,641.1187 
============   ==== ==========       =========        =========       ============== 
LEGG MASON PARTNERS VARIABLE EQUITY TRUST                                            
CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I)                         
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I))  
  06/01/2007    to  12/31/2007       15.957010        15.076617         133,567.5941 
  01/01/2008    to  12/31/2008       15.076617         8.886109         418,012.3233 
  01/01/2009    to  12/31/2009        8.886109        11.827034         497,245.4700 
  01/01/2010    to  12/31/2010       11.827034        14.623354         639,759.9350 
  01/01/2011    to  12/31/2011       14.623354        14.821074         681,024.7199 
  01/01/2012    to  12/31/2012       14.821074        17.402610         691,731.2493 
  01/01/2013    to  12/31/2013       17.402610        25.436477         807,774.9394 
============   ==== ==========       =========        =========       ============== 
CLEARBRIDGE VARIABLE ALL CAP VALUE SUB-ACCOUNT (CLASS I)                             
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE FUNDAMENTAL ALL CAP VALUE SUB-ACCOUNT     
(CLASS I))                                                                           
  06/01/2007    to  12/31/2007       39.698641        36.930717          40,851.6676 
  01/01/2008    to  12/31/2008       36.930717        23.165413          96,189.6659 
  01/01/2009    to  12/31/2009       23.165413        29.638631         117,015.4900 
  01/01/2010    to  12/31/2010       29.638631        34.182056         128,617.0603 
  01/01/2011    to  12/31/2011       34.182056        31.714090         170,389.7874 
  01/01/2012    to  12/31/2012       31.714090        36.063527         191,167.1481 
  01/01/2013    to  12/31/2013       36.063527        47.142328         186,377.3394 
============   ==== ==========       =========        =========       ============== 
CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I)                              
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I))       
  06/01/2007    to  12/31/2007       35.515910        35.550569          48,031.0491 
  01/01/2008    to  12/31/2008       35.550569        24.853986         122,666.7954 
  01/01/2009    to  12/31/2009       24.853986        30.018649         197,133.8200 
  01/01/2010    to  12/31/2010       30.018649        33.439065         315,613.9172 
  01/01/2011    to  12/31/2011       33.439065        33.935259         468,617.2173 
  01/01/2012    to  12/31/2012       33.935259        38.915095         559,232.3396 
  01/01/2013    to  12/31/2013       38.915095        50.036612         631,552.8965 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                      1.10% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
CLEARBRIDGE VARIABLE EQUITY INCOME SUB-ACCOUNT (CLASS II)                         
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE EQUITY INCOME BUILDER SUB-ACCOUNT      
(CLASS II))                                                                       
  11/12/2007    to  12/31/2007       14.964667        15.283524       20,942.1399 
  01/01/2008    to  12/31/2008       15.283524         9.831489      135,230.2205 
  01/01/2009    to  12/31/2009        9.831489        11.924727      236,091.2400 
  01/01/2010    to  12/31/2010       11.924727        13.223447      375,829.1220 
  01/01/2011    to  12/31/2011       13.223447        14.087539      467,446.3777 
  01/01/2012    to  12/31/2012       14.087539        15.893938      640,016.0197 
  01/01/2013    to  12/31/2013       15.893938        19.757482      808,605.2586 
============   ==== ==========       =========        =========      ============ 
CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I)                       
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I))
  06/01/2007    to  12/31/2007       17.809372        17.529688       14,535.4887 
  01/01/2008    to  12/31/2008       17.529688        10.279300       58,496.5791 
  01/01/2009    to  12/31/2009       10.279300        14.515667      119,098.3300 
  01/01/2010    to  12/31/2010       14.515667        17.972493      163,640.2618 
  01/01/2011    to  12/31/2011       17.972493        18.022802      194,293.1034 
  01/01/2012    to  12/31/2012       18.022802        21.287584      256,676.8805 
  01/01/2013    to  12/31/2013       21.287584        30.961185      388,777.3323 
============   ==== ==========       =========        =========      ============ 
LEGG MASON VARIABLE LIFESTYLE ALLOCATION 50% SUB-ACCOUNT                          
  05/03/2010    to  12/31/2010       16.919497        17.937118       47,334.2586 
  01/01/2011    to  12/31/2011       17.937118        17.949290      123,022.2648 
  01/01/2012    to  12/31/2012       17.949290        20.076624      151,899.4141 
  01/01/2013    to  12/31/2013       20.076624        22.901932      169,683.5203 
============   ==== ==========       =========        =========      ============ 
LEGG MASON VARIABLE LIFESTYLE ALLOCATION 85% SUB-ACCOUNT                          
  06/01/2007    to  12/31/2007       17.076662        16.147726      149,958.2910 
  01/01/2008    to  12/31/2008       16.147726         9.994859      299,849.0378 
  01/01/2009    to  12/31/2009        9.994859        13.095990      327,696.1600 
  01/01/2010    to  12/31/2010       13.095990        14.986160      406,220.9245 
  01/01/2011    to  12/31/2011       14.986160        14.480247      373,157.1196 
  01/01/2012    to  12/31/2012       14.480247        16.596477      355,824.6458 
  01/01/2013    to  12/31/2013       16.596477        20.764668      349,637.1960 
============   ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                    1.10% SEPARATE ACCOUNT PRODUCT CHARGES                                     
                                                                                                  NUMBER OF    
                                                             ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                                            UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                                             BEGINNING OF        END OF        OUTSTANDING AT  
                                                                PERIOD           PERIOD         END OF PERIOD  
                                                           ---------------  ---------------  ------------------
                                                                                                               
LEGG MASON PARTNERS VARIABLE INCOME TRUST                                                                      
WESTERN ASSET VARIABLE GLOBAL HIGH YIELD BOND SUB-ACCOUNT (CLASS I)                                            
   06/01/2007                             to  12/31/2007       17.874121        16.971081          34,623.8203 
   01/01/2008                             to  12/31/2008       16.971081        11.611156          79,314.1318 
   01/01/2009                             to  12/31/2009       11.611156        17.864355         117,678.6600 
   01/01/2010                             to  12/31/2010       17.864355        20.305376         141,208.0914 
   01/01/2011                             to  12/31/2011       20.305376        20.427642         194,806.9404 
   01/01/2012                             to  12/31/2012       20.427642        23.905844         244,387.5734 
   01/01/2013                             to  12/31/2013       23.905844        25.126830         312,850.9997 
=============                            ==== ==========       =========        =========       ============== 
MET INVESTORS SERIES TRUST                                                                                     
AMERICAN FUNDS (Reg. TM) GROWTH SUB-ACCOUNT (CLASS C)                                                          
   08/12/2013                             to  12/31/2013        1.171771         1.305065       1,664,164.4106 
=============                            ==== ==========       =========        =========       ============== 
BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                                                     
   04/30/2012                             to  12/31/2012       23.465001        25.293068          26,692.9593 
   01/01/2013                             to  12/31/2013       25.293068        27.351242         130,266.9400 
=============                            ==== ==========       =========        =========       ============== 
CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                            
 (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))                                     
   05/02/2011                             to  12/31/2011        7.217320         6.554844         547,945.6872 
   01/01/2012                             to  12/31/2012        6.554844         7.682595         471,717.0922 
   01/01/2013                             to  12/31/2013        7.682595        11.063639         367,839.1557 
=============                            ==== ==========       =========        =========       ============== 
CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                            
 (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT LEGG                 
 MASON VALUE EQUITY SUB-ACCOUNT (CLASS B))                                                                     
   06/01/2007                             to  12/31/2007       12.090224        10.429001         168,853.3761 
   01/01/2008                             to  12/31/2008       10.429001         4.681195         598,041.9509 
   01/01/2009                             to  12/31/2009        4.681195         6.388005         580,048.0800 
   01/01/2010                             to  12/31/2010        6.388005         6.781572         604,106.3569 
   01/01/2011                             to  04/29/2011        6.781572         7.217972               0.0000 
=============                            ==== ==========       =========        =========       ============== 
HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                                             
   04/30/2012                             to  12/31/2012       19.199458        22.234693          22,882.4962 
   01/01/2013                             to  12/31/2013       22.234693        28.696628         136,008.3392 
=============                            ==== ==========       =========        =========       ============== 
INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                         
 (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B))                                                          
   05/04/2009                             to  12/31/2009       10.078564        12.617682         457,174.1400 
   01/01/2010                             to  12/31/2010       12.617682        14.336251         647,928.4828 
   01/01/2011                             to  12/31/2011       14.336251        13.972262         769,293.6339 
   01/01/2012                             to  12/31/2012       13.972262        16.378048         720,220.3918 
   01/01/2013                             to  12/31/2013       16.378048        21.932144         712,484.9010 
=============                            ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.10% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                              
 (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B) AND BEFORE THAT VAN KAMPEN LIFE
INVESTMENT TRUST - VAN KAMPEN LIT COMSTOCK SUB-ACCOUNT (CLASS II))                  
  06/01/2007    to  12/31/2007       17.676701        15.801936        127,452.9780 
  01/01/2008    to  12/31/2008       15.801936        10.033193        325,675.6756 
  01/01/2009    to  05/01/2009       10.033193         9.746974              0.0000 
============   ==== ==========       =========        =========        ============ 
INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                      
  06/01/2007    to  12/31/2007       16.944188        16.334315         25,931.5138 
  01/01/2008    to  12/31/2008       16.334315         9.898479         39,568.0920 
  01/01/2009    to  12/31/2009        9.898479        13.101239         65,042.2100 
  01/01/2010    to  12/31/2010       13.101239        16.350777        104,574.1799 
  01/01/2011    to  12/31/2011       16.350777        15.997462        150,345.3868 
  01/01/2012    to  12/31/2012       15.997462        18.705995        141,243.7862 
  01/01/2013    to  12/31/2013       18.705995        25.934529        180,892.1332 
============   ==== ==========       =========        =========        ============ 
LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                  
  04/30/2012    to  12/31/2012       14.482995        14.905960          4,767.6511 
  01/01/2013    to  12/31/2013       14.905960        17.268093         45,482.7928 
============   ==== ==========       =========        =========        ============ 
MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                         
  06/01/2007    to  12/31/2007       11.765545        14.186900         34,330.6057 
  01/01/2008    to  12/31/2008       14.186900         6.239576        114,399.8735 
  01/01/2009    to  12/31/2009        6.239576        10.426272        248,947.6200 
  01/01/2010    to  12/31/2010       10.426272        12.751764        373,952.0123 
  01/01/2011    to  12/31/2011       12.751764        10.253506        542,666.5582 
  01/01/2012    to  12/31/2012       10.253506        12.056994        621,560.0134 
  01/01/2013    to  12/31/2013       12.056994        11.331112        789,686.1232 
============   ==== ==========       =========        =========        ============ 
MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                          
  06/01/2007    to  12/31/2007       17.915809        18.286399         59,067.5713 
  01/01/2008    to  12/31/2008       18.286399        10.423746        137,122.6932 
  01/01/2009    to  12/31/2009       10.423746        13.564106        178,373.7700 
  01/01/2010    to  12/31/2010       13.564106        14.945790        206,111.7131 
  01/01/2011    to  12/31/2011       14.945790        13.198825        234,523.8234 
  01/01/2012    to  12/31/2012       13.198825        15.234716        264,041.0244 
  01/01/2013    to  12/31/2013       15.234716        17.969784        278,262.1907 
============   ==== ==========       =========        =========        ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.10% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
MORGAN STANLEY MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                  
  06/01/2007    to  12/31/2007       12.668854        13.362935          86,981.5669 
  01/01/2008    to  12/31/2008       13.362935         7.037416         235,093.9820 
  01/01/2009    to  12/31/2009        7.037416        10.946822         308,719.4200 
  01/01/2010    to  12/31/2010       10.946822        14.301181         406,220.3839 
  01/01/2011    to  12/31/2011       14.301181        13.165959         596,343.2615 
  01/01/2012    to  12/31/2012       13.165959        14.229829         886,501.0768 
  01/01/2013    to  12/31/2013       14.229829        19.566461       1,000,703.8326 
============   ==== ==========       =========        =========       ============== 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                      
  06/01/2007    to  12/31/2007       21.740997        20.894957          20,592.9311 
  01/01/2008    to  12/31/2008       20.894957        12.284131          56,157.1925 
  01/01/2009    to  12/31/2009       12.284131        16.985547          52,314.5100 
  01/01/2010    to  12/31/2010       16.985547        19.475512          40,185.4378 
  01/01/2011    to  12/31/2011       19.475512        17.643825          30,210.9260 
  01/01/2012    to  12/31/2012       17.643825        21.144925          30,821.7385 
  01/01/2013    to  12/31/2013       21.144925        26.584026         163,149.8513 
============   ==== ==========       =========        =========       ============== 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                      
 (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B))                               
  05/03/2010    to  12/31/2010        8.764832         9.194438          22,630.5687 
  01/01/2011    to  12/31/2011        9.194438         8.466874         287,708.7645 
  01/01/2012    to  12/31/2012        8.466874        10.233998         294,307.5928 
  01/01/2013    to  04/26/2013       10.233998        10.890196               0.0000 
============   ==== ==========       =========        =========       ============== 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                      
 (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT FRANKLIN       
TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST - TEMPLETON GROWTH SECURITIES SUB-ACCOUNT
(CLASS 2))                                                                           
  06/01/2007    to  12/31/2007       15.203753        14.352789          71,965.1186 
  01/01/2008    to  12/31/2008       14.352789         8.187284         134,695.1866 
  01/01/2009    to  12/31/2009        8.187284        10.616377         139,507.0800 
  01/01/2010    to  12/31/2010       10.616377        11.276707         167,908.5778 
  01/01/2011    to  04/29/2011       11.276707        12.593713               0.0000 
============   ==== ==========       =========        =========       ============== 
PIONEER FUND SUB-ACCOUNT (CLASS A)                                                   
  06/01/2007    to  12/31/2007       22.435039        21.258515           9,409.3442 
  01/01/2008    to  12/31/2008       21.258515        14.121327         100,986.9492 
  01/01/2009    to  12/31/2009       14.121327        17.302864         201,536.1300 
  01/01/2010    to  12/31/2010       17.302864        19.889845         358,402.0255 
  01/01/2011    to  12/31/2011       19.889845        18.778130         597,570.2613 
  01/01/2012    to  12/31/2012       18.778130        20.538526         727,968.2565 
  01/01/2013    to  12/31/2013       20.538526        27.032969         736,424.2894 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                    1.10% SEPARATE ACCOUNT PRODUCT CHARGES                                    
                                                                                                 NUMBER OF    
                                                             ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                                            UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                                             BEGINNING OF        END OF        OUTSTANDING AT 
                                                                PERIOD           PERIOD        END OF PERIOD  
                                                           ---------------  ---------------  -----------------
                                                                                                              
PIONEER FUND SUB-ACCOUNT (CLASS B)                                                                            
   08/12/2013                             to  12/31/2013        2.434716         2.663385        369,697.9280 
=============                            ==== ==========       =========        =========      ============== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS A)                                                                
   06/01/2007                             to  12/31/2007       19.933220        20.629246        158,122.4090 
   01/01/2008                             to  12/31/2008       20.629246        18.211356        553,771.8767 
   01/01/2009                             to  12/31/2009       18.211356        23.971979        890,326.9800 
   01/01/2010                             to  12/31/2010       23.971979        26.596587      1,218,428.8327 
   01/01/2011                             to  12/31/2011       26.596587        27.260987      1,745,853.4000 
   01/01/2012                             to  12/31/2012       27.260987        30.095505      2,177,123.7061 
   01/01/2013                             to  12/31/2013       30.095505        30.226103      2,414,677.4233 
=============                            ==== ==========       =========        =========      ============== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS B)                                                                
   08/12/2013                             to  12/31/2013        2.845689         2.878436      1,270,247.6427 
=============                            ==== ==========       =========        =========      ============== 
METROPOLITAN SERIES FUND                                                                                      
BLACKROCK BOND INCOME SUB-ACCOUNT (CLASS B)                                                                   
   04/30/2012                             to  12/31/2012       61.457122        64.032960          7,205.2193 
   01/01/2013                             to  12/31/2013       64.032960        62.694346         17,894.2156 
=============                            ==== ==========       =========        =========      ============== 
BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                          
 (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A))                                           
   05/04/2009                             to  12/31/2009        9.381193        11.853496          9,302.0200 
   01/01/2010                             to  12/31/2010       11.853496        14.047549          9,941.4088 
   01/01/2011                             to  12/31/2011       14.047549        12.651216          7,703.2552 
   01/01/2012                             to  12/31/2012       12.651216        14.310437          7,528.5106 
   01/01/2013                             to  12/31/2013       14.310437        18.997297         13,716.1142 
=============                            ==== ==========       =========        =========      ============== 
BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                          
 (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A) AND BEFORE THAT MET INVESTORS              
 SERIES TRUST - MET/AIM CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A))                                           
   06/01/2007                             to  12/31/2007       16.976092        16.909428          9,702.3786 
   01/01/2008                             to  12/31/2008       16.909428         9.592485         18,466.8758 
   01/01/2009                             to  05/01/2009        9.592485         9.132387              0.0000 
=============                            ==== ==========       =========        =========      ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                                                  
   08/12/2013                             to  12/31/2013       24.457412        24.353713         14,534.6096 
=============                            ==== ==========       =========        =========      ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                  
   05/03/2010                             to  12/31/2010       14.344570        14.240341        348,287.8553 
   01/01/2011                             to  12/31/2011       14.240341        14.084990        597,931.2546 
   01/01/2012                             to  12/31/2012       14.084990        13.930076        620,671.1974 
   01/01/2013                             to  12/31/2013       13.930076        13.777695        285,159.4704 
=============                            ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.10% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                      
 (FORMERLY LEGG MASON PARTNERS VARIABLE INCOME TRUST - LEGG MASON WESTERN ASSET   
VARIABLE MONEY MARKET SUB-ACCOUNT)                                                
  06/01/2007    to  12/31/2007       14.011425        14.312159       51,458.3398 
  01/01/2008    to  12/31/2008       14.312159        14.523808      653,297.7125 
  01/01/2009    to  12/31/2009       14.523808        14.397060      608,635.9900 
  01/01/2010    to  04/30/2010       14.397060        14.345867            0.0000 
============   ==== ==========       =========        =========      ============ 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                             
  04/30/2012    to  12/31/2012       14.822569        14.318887      127,274.1170 
  01/01/2013    to  12/31/2013       14.318887        19.364378      111,248.2816 
============   ==== ==========       =========        =========      ============ 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                             
 (FORMERLY OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B))                
  06/01/2007    to  12/31/2007       10.184231        10.535800       49,591.3017 
  01/01/2008    to  12/31/2008       10.535800         5.633195      180,077.6247 
  01/01/2009    to  12/31/2009        5.633195         8.006489      150,363.8000 
  01/01/2010    to  12/31/2010        8.006489         8.663049      203,641.1512 
  01/01/2011    to  12/31/2011        8.663049         8.450181      234,133.5850 
  01/01/2012    to  04/27/2012        8.450181         9.515713            0.0000 
============   ==== ==========       =========        =========      ============ 
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                    
  06/01/2007    to  12/31/2007       16.815555        17.263533       42,347.9178 
  01/01/2008    to  12/31/2008       17.263533        16.983317      190,130.8493 
  01/01/2009    to  12/31/2009       16.983317        17.482915      374,888.6100 
  01/01/2010    to  12/31/2010       17.482915        18.241437      538,394.7541 
  01/01/2011    to  12/31/2011       18.241437        18.992444      673,262.9450 
  01/01/2012    to  12/31/2012       18.992444        19.356082      894,012.7561 
  01/01/2013    to  12/31/2013       19.356082        18.971044      894,577.4332 
============   ==== ==========       =========        =========      ============ 
OPPENHEIMER VARIABLE ACCOUNT FUNDS                                                
OPPENHEIMER MAIN STREET SMALL CAP FUND (Reg. TM)/VA SUB-ACCOUNT (SERVICE SHARES)  
 (FORMERLY OPPENHEIMER MAIN STREET SMALL- & MID-CAP FUND (Reg. TM)/VA SUB-ACCOUNT 
(SERVICE SHARES))                                                                 
  07/13/2007    to  12/31/2007       19.954632        17.291292       70,322.4955 
  01/01/2008    to  12/31/2008       17.291292        10.602197      232,104.5899 
  01/01/2009    to  12/31/2009       10.602197        14.353844      288,713.1400 
  01/01/2010    to  12/31/2010       14.353844        17.470194      341,955.5165 
  01/01/2011    to  12/31/2011       17.470194        16.867717      398,887.3752 
  01/01/2012    to  12/31/2012       16.867717        19.630057      420,152.3817 
  01/01/2013    to  12/31/2013       19.630057        27.302549      368,081.9826 
============   ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.10% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
PIONEER VARIABLE CONTRACTS TRUST                                                  
PIONEER VCT MID CAP VALUE SUB-ACCOUNT (CLASS II)                                  
  06/01/2007    to  12/31/2007       38.418695        34.827331       37,057.9089 
  01/01/2008    to  12/31/2008       34.827331        22.816899       65,925.2486 
  01/01/2009    to  12/31/2009       22.816899        28.268382       60,811.9900 
  01/01/2010    to  12/31/2010       28.268382        32.962027       89,650.4818 
  01/01/2011    to  12/31/2011       32.962027        30.697884      105,165.9115 
  01/01/2012    to  12/31/2012       30.697884        33.647168      123,858.1549 
  01/01/2013    to  12/31/2013       33.647168        44.179041      123,585.3362 
============   ==== ==========       =========        =========      ============ 
THE UNIVERSAL INSTITUTIONAL FUNDS, INC.                                           
UIF U.S. REAL ESTATE SUB-ACCOUNT (CLASS I)                                        
  06/01/2007    to  12/31/2007       62.257010        48.273138       24,190.2307 
  01/01/2008    to  12/31/2008       48.273138        29.650311       57,626.1002 
  01/01/2009    to  12/31/2009       29.650311        37.640892       69,256.6300 
  01/01/2010    to  12/31/2010       37.640892        48.384186       77,047.2440 
  01/01/2011    to  12/31/2011       48.384186        50.688969       92,552.3368 
  01/01/2012    to  12/31/2012       50.688969        58.070504      110,278.6875 
  01/01/2013    to  12/31/2013       58.070504        58.614890      143,779.2746 
============   ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                    1.20% SEPARATE ACCOUNT PRODUCT CHARGES                                     
                                                                                                  NUMBER OF    
                                                             ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                                            UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                                             BEGINNING OF        END OF        OUTSTANDING AT  
                                                                PERIOD           PERIOD         END OF PERIOD  
                                                           ---------------  ---------------  ------------------
                                                                                                               
AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS)                                                
INVESCO V.I. AMERICAN VALUE SUB-ACCOUNT (SERIES II)                                                            
 (FORMERLY INVESCO V.I. VAN KAMPEN AMERICAN VALUE FUND SUB-ACCOUNT (SERIES II) AND BEFORE THAT THE             
 UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF U.S. MID CAP VALUE SUB-ACCOUNT (CLASS II))               
   06/01/2007                             to  12/31/2007       11.717821        11.041564          34,310.5466 
   01/01/2008                             to  12/31/2008       11.041564         6.390632         106,203.9703 
   01/01/2009                             to  12/31/2009        6.390632         8.787126         177,313.2700 
   01/01/2010                             to  12/31/2010        8.787126        10.608255         240,042.8189 
   01/01/2011                             to  12/31/2011       10.608255        10.568617         389,866.6127 
   01/01/2012                             to  12/31/2012       10.568617        12.224954         446,456.7870 
   01/01/2013                             to  12/31/2013       12.224954        16.177941         511,660.8562 
=============                            ==== ==========       =========        =========       ============== 
INVESCO V.I. EQUITY AND INCOME SUB-ACCOUNT (SERIES II)                                                         
 (FORMERLY INVESCO V.I. VAN KAMPEN EQUITY AND INCOME SUB-ACCOUNT (SERIES II) AND BEFORE THAT THE               
 UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF EQUITY AND INCOME SUB-ACCOUNT (CLASS II))                
   06/01/2007                             to  12/31/2007       16.189227        15.444444         308,297.7178 
   01/01/2008                             to  12/31/2008       15.444444        11.798654         726,321.1089 
   01/01/2009                             to  12/31/2009       11.798654        14.279594       1,125,207.5000 
   01/01/2010                             to  12/31/2010       14.279594        15.806879       1,490,260.7570 
   01/01/2011                             to  12/31/2011       15.806879        15.415715       1,930,147.7591 
   01/01/2012                             to  12/31/2012       15.415715        17.117731       2,181,504.2468 
   01/01/2013                             to  12/31/2013       17.117731        21.122671       2,455,102.9724 
=============                            ==== ==========       =========        =========       ============== 
INVESCO V.I. GLOBAL REAL ESTATE SUB-ACCOUNT                                                                    
   06/01/2007                             to  12/31/2007       11.122667         9.642419          15,790.1687 
   01/01/2008                             to  12/31/2008        9.642419         5.266371          46,670.7425 
   01/01/2009                             to  12/31/2009        5.266371         6.821769          63,381.5800 
   01/01/2010                             to  12/31/2010        6.821769         7.902429         110,937.1746 
   01/01/2011                             to  12/31/2011        7.902429         7.283047         173,779.6118 
   01/01/2012                             to  12/31/2012        7.283047         9.199517         218,387.2542 
   01/01/2013                             to  12/31/2013        9.199517         9.311366         333,174.5101 
=============                            ==== ==========       =========        =========       ============== 
INVESCO V.I. GROWTH AND INCOME SUB-ACCOUNT (SERIES II)                                                         
 (FORMERLY INVESCO V.I. VAN KAMPEN GROWTH AND INCOME SUB-ACCOUNT (SERIES II) AND BEFORE THAT VAN               
 KAMPEN LIFE INVESTMENT TRUST - VAN KAMPEN LIT GROWTH AND INCOME SUB-ACCOUNT (CLASS II))                       
   06/01/2007                             to  12/31/2007       28.680328        26.572256          68,011.5608 
   01/01/2008                             to  12/31/2008       26.572256        17.797667         208,295.6688 
   01/01/2009                             to  12/31/2009       17.797667        21.825068         350,728.0900 
   01/01/2010                             to  12/31/2010       21.825068        24.194032         510,816.2006 
   01/01/2011                             to  12/31/2011       24.194032        23.365386         733,083.3483 
   01/01/2012                             to  12/31/2012       23.365386        26.397546         879,483.4603 
   01/01/2013                             to  12/31/2013       26.397546        34.890349         906,012.8342 
=============                            ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.20% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
INVESCO V.I. INTERNATIONAL GROWTH SUB-ACCOUNT (SERIES II)                         
  06/01/2007    to  12/31/2007       30.388846        30.600008       48,511.8118 
  01/01/2008    to  12/31/2008       30.600008        17.980312      169,876.0130 
  01/01/2009    to  12/31/2009       17.980312        23.968300      288,728.4200 
  01/01/2010    to  12/31/2010       23.968300        26.668540      443,966.2783 
  01/01/2011    to  12/31/2011       26.668540        24.508559      648,814.9622 
  01/01/2012    to  12/31/2012       24.508559        27.908661      809,252.6567 
  01/01/2013    to  12/31/2013       27.908661        32.737365      878,637.6578 
============   ==== ==========       =========        =========      ============ 
AMERICAN FUNDS INSURANCE SERIES (Reg. TM)                                         
AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS 2)                                         
  06/01/2007    to  12/31/2007       16.100741        16.197454       58,768.4915 
  01/01/2008    to  12/31/2008       16.197454        14.507656      278,728.5699 
  01/01/2009    to  12/31/2009       14.507656        16.141601      441,434.2900 
  01/01/2010    to  12/31/2010       16.141601        16.976928      623,065.7228 
  01/01/2011    to  12/31/2011       16.976928        17.798818      749,483.4986 
  01/01/2012    to  12/31/2012       17.798818        18.530393      921,551.9886 
  01/01/2013    to  12/31/2013       18.530393        17.914200      981,466.8937 
============   ==== ==========       =========        =========      ============ 
AMERICAN FUNDS GLOBAL GROWTH SUB-ACCOUNT (CLASS 2)                                
  06/01/2007    to  12/31/2007       29.123578        29.960092       59,962.6494 
  01/01/2008    to  12/31/2008       29.960092        18.237581      240,843.6155 
  01/01/2009    to  12/31/2009       18.237581        25.643345      333,414.6300 
  01/01/2010    to  12/31/2010       25.643345        28.313789      450,183.5477 
  01/01/2011    to  12/31/2011       28.313789        25.490718      531,220.1652 
  01/01/2012    to  12/31/2012       25.490718        30.867604      593,757.5039 
  01/01/2013    to  12/31/2013       30.867604        39.398597      623,050.3746 
============   ==== ==========       =========        =========      ============ 
AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION SUB-ACCOUNT (CLASS 2)                  
  06/01/2007    to  12/31/2007       35.663582        36.028586       25,321.1270 
  01/01/2008    to  12/31/2008       36.028586        16.544955       96,262.2648 
  01/01/2009    to  12/31/2009       16.544955        26.368213      142,901.5000 
  01/01/2010    to  12/31/2010       26.368213        31.893691      180,534.2323 
  01/01/2011    to  12/31/2011       31.893691        25.480733      245,905.4661 
  01/01/2012    to  12/31/2012       25.480733        29.751672      269,521.7614 
  01/01/2013    to  12/31/2013       29.751672        37.710028      290,373.7162 
============   ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.20% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS 2)                                       
  06/01/2007    to  12/31/2007       185.704060       185.264668      24,857.0265 
  01/01/2008    to  12/31/2008       185.264668       102.558660      97,681.5262 
  01/01/2009    to  12/31/2009       102.558660       141.273739     160,936.1800 
  01/01/2010    to  12/31/2010       141.273739       165.666292     209,076.3562 
  01/01/2011    to  12/31/2011       165.666292       156.693294     245,997.7023 
  01/01/2012    to  12/31/2012       156.693294       182.513034     267,025.1141 
  01/01/2013    to  12/31/2013       182.513034       234.621992     263,936.3399 
============   ==== ==========       ==========       ==========     ============ 
AMERICAN FUNDS GROWTH-INCOME SUB-ACCOUNT (CLASS 2)                                
  06/01/2007    to  12/31/2007       131.670222       125.914276      16,675.7459 
  01/01/2008    to  12/31/2008       125.914276        77.320427      61,875.0322 
  01/01/2009    to  12/31/2009        77.320427       100.265853      95,405.5500 
  01/01/2010    to  12/31/2010       100.265853       110.390988     123,005.3418 
  01/01/2011    to  12/31/2011       110.390988       107.080922     145,736.9265 
  01/01/2012    to  12/31/2012       107.080922       124.293149     150,266.4291 
  01/01/2013    to  12/31/2013       124.293149       163.953006     149,721.8041 
============   ==== ==========       ==========       ==========     ============ 
FIDELITY (Reg. TM) VARIABLE INSURANCE PRODUCTS                                    
VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS)                              
  06/01/2007    to  12/31/2007        45.763323        48.711948      30,742.7711 
  01/01/2008    to  12/31/2008        48.711948        27.618974     137,009.9619 
  01/01/2009    to  12/31/2009        27.618974        37.022349     223,271.4000 
  01/01/2010    to  12/31/2010        37.022349        42.839529     326,387.3219 
  01/01/2011    to  12/31/2011        42.839529        41.213371     453,684.2547 
  01/01/2012    to  12/31/2012        41.213371        47.359969     542,388.4147 
  01/01/2013    to  12/31/2013        47.359969        61.369899     564,297.7221 
============   ==== ==========       ==========       ==========     ============ 
VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS 2)                            
  08/12/2013    to  12/31/2013         5.443784         6.007531     247,012.3622 
============   ==== ==========       ==========       ==========     ============ 
VIP MID CAP SUB-ACCOUNT (SERVICE CLASS 2)                                         
  06/01/2007    to  12/31/2007        41.361728        41.941655      29,514.7222 
  01/01/2008    to  12/31/2008        41.941655        25.026570     117,143.7702 
  01/01/2009    to  12/31/2009        25.026570        34.558014     229,724.4900 
  01/01/2010    to  12/31/2010        34.558014        43.902177     373,249.3472 
  01/01/2011    to  12/31/2011        43.902177        38.671663     555,011.7317 
  01/01/2012    to  12/31/2012        38.671663        43.772186     702,197.4612 
  01/01/2013    to  12/31/2013        43.772186        58.763979     734,253.5303 
============   ==== ==========       ==========       ==========     ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.20% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST                                 
FRANKLIN INCOME SECURITIES SUB-ACCOUNT (CLASS 2)                                     
  06/01/2007    to  12/31/2007       50.121884        48.044037          47,838.7886 
  01/01/2008    to  12/31/2008       48.044037        33.391454         159,880.0281 
  01/01/2009    to  12/31/2009       33.391454        44.737374         236,929.1600 
  01/01/2010    to  12/31/2010       44.737374        49.805901         316,142.4161 
  01/01/2011    to  12/31/2011       49.805901        50.386439         394,695.2004 
  01/01/2012    to  12/31/2012       50.386439        56.081156         459,607.5491 
  01/01/2013    to  12/31/2013       56.081156        63.137519         500,708.3367 
============   ==== ==========       =========        =========       ============== 
FRANKLIN SMALL CAP VALUE SECURITIES SUB-ACCOUNT (CLASS 2)                            
  06/01/2007    to  12/31/2007       10.247799         8.785756          49,787.6788 
  01/01/2008    to  12/31/2008        8.785756         5.814479         124,515.6252 
  01/01/2009    to  12/31/2009        5.814479         7.420197         210,009.1200 
  01/01/2010    to  12/31/2010        7.420197         9.400945         372,063.1869 
  01/01/2011    to  12/31/2011        9.400945         8.939745         642,139.6655 
  01/01/2012    to  12/31/2012        8.939745        10.456710         919,633.3400 
  01/01/2013    to  12/31/2013       10.456710        14.076194       1,032,242.5195 
============   ==== ==========       =========        =========       ============== 
MUTUAL SHARES SECURITIES SUB-ACCOUNT (CLASS 2)                                       
  06/01/2007    to  12/31/2007       26.659383        24.757843          64,268.2765 
  01/01/2008    to  12/31/2008       24.757843        15.384089         243,913.5565 
  01/01/2009    to  12/31/2009       15.384089        19.160095         348,493.9400 
  01/01/2010    to  12/31/2010       19.160095        21.051039         444,559.8445 
  01/01/2011    to  12/31/2011       21.051039        20.583710         506,779.4255 
  01/01/2012    to  12/31/2012       20.583710        23.233740         506,382.3113 
  01/01/2013    to  12/31/2013       23.233740        29.444529         498,275.6266 
============   ==== ==========       =========        =========       ============== 
TEMPLETON GLOBAL BOND SECURITIES SUB-ACCOUNT                                         
  06/01/2007    to  12/31/2007       12.396214        12.890683          50,728.7637 
  01/01/2008    to  12/31/2008       12.890683        13.527018         206,190.6642 
  01/01/2009    to  12/31/2009       13.527018        15.862732         348,821.1400 
  01/01/2010    to  12/31/2010       15.862732        17.938161         627,471.0831 
  01/01/2011    to  12/31/2011       17.938161        17.570372         875,605.0272 
  01/01/2012    to  12/31/2012       17.570372        19.975166       1,222,573.8169 
  01/01/2013    to  12/31/2013       19.975166        20.058452       1,449,170.0761 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.20% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
LEGG MASON PARTNERS VARIABLE EQUITY TRUST                                           
CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I)                        
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I)) 
  06/01/2007    to  12/31/2007       15.836359        14.953888        117,661.5150 
  01/01/2008    to  12/31/2008       14.953888         8.804911        271,970.7778 
  01/01/2009    to  12/31/2009        8.804911        11.707247        388,565.7300 
  01/01/2010    to  12/31/2010       11.707247        14.460794        487,889.8640 
  01/01/2011    to  12/31/2011       14.460794        14.641695        588,823.2900 
  01/01/2012    to  12/31/2012       14.641695        17.174713        703,554.3396 
  01/01/2013    to  12/31/2013       17.174713        25.078308        810,060.3039 
============   ==== ==========       =========        =========        ============ 
CLEARBRIDGE VARIABLE ALL CAP VALUE SUB-ACCOUNT (CLASS I)                            
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE FUNDAMENTAL ALL CAP VALUE SUB-ACCOUNT    
(CLASS I))                                                                          
  06/01/2007    to  12/31/2007       39.166841        36.414726         37,937.0072 
  01/01/2008    to  12/31/2008       36.414726        22.818790         88,056.6282 
  01/01/2009    to  12/31/2009       22.818790        29.165956        125,427.0700 
  01/01/2010    to  12/31/2010       29.165956        33.603333        153,899.4380 
  01/01/2011    to  12/31/2011       33.603333        31.146032        184,678.3951 
  01/01/2012    to  12/31/2012       31.146032        35.381982        187,905.1914 
  01/01/2013    to  12/31/2013       35.381982        46.205213        191,103.8884 
============   ==== ==========       =========        =========        ============ 
CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I)                             
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I))      
  06/01/2007    to  12/31/2007       34.966229        34.979930         32,517.9900 
  01/01/2008    to  12/31/2008       34.979930        24.430479         99,166.9863 
  01/01/2009    to  12/31/2009       24.430479        29.477640        201,411.4500 
  01/01/2010    to  12/31/2010       29.477640        32.803617        335,970.8960 
  01/01/2011    to  12/31/2011       32.803617        33.257180        480,584.5068 
  01/01/2012    to  12/31/2012       33.257180        38.099202        598,370.0091 
  01/01/2013    to  12/31/2013       38.099202        48.938613        686,006.7265 
============   ==== ==========       =========        =========        ============ 
CLEARBRIDGE VARIABLE EQUITY INCOME SUB-ACCOUNT (CLASS II)                           
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE EQUITY INCOME BUILDER SUB-ACCOUNT        
(CLASS II))                                                                         
  11/12/2007    to  12/31/2007       14.888290        15.203478         16,625.3119 
  01/01/2008    to  12/31/2008       15.203478         9.770173        105,470.1503 
  01/01/2009    to  12/31/2009        9.770173        11.838514        245,231.7700 
  01/01/2010    to  12/31/2010       11.838514        13.114733        325,253.0666 
  01/01/2011    to  12/31/2011       13.114733        13.957791        453,661.0868 
  01/01/2012    to  12/31/2012       13.957791        15.731734        617,550.5424 
  01/01/2013    to  12/31/2013       15.731734        19.536312        758,371.3866 
============   ==== ==========       =========        =========        ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.20% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I)                          
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I))   
  06/01/2007    to  12/31/2007       17.674722        17.386997          12,307.0794 
  01/01/2008    to  12/31/2008       17.386997        10.185375          53,779.1204 
  01/01/2009    to  12/31/2009       10.185375        14.368654          91,847.0600 
  01/01/2010    to  12/31/2010       14.368654        17.772707         138,103.0553 
  01/01/2011    to  12/31/2011       17.772707        17.804673         195,148.6026 
  01/01/2012    to  12/31/2012       17.804673        21.008814         249,388.6583 
  01/01/2013    to  12/31/2013       21.008814        30.525229         305,511.7859 
============   ==== ==========       =========        =========       ============== 
LEGG MASON VARIABLE LIFESTYLE ALLOCATION 50% SUB-ACCOUNT                             
  05/03/2010    to  12/31/2010       16.696846        17.689347          59,630.6474 
  01/01/2011    to  12/31/2011       17.689347        17.683697         133,245.8560 
  01/01/2012    to  12/31/2012       17.683697        19.759681         152,730.0890 
  01/01/2013    to  12/31/2013       19.759681        22.517863         163,517.9262 
============   ==== ==========       =========        =========       ============== 
LEGG MASON VARIABLE LIFESTYLE ALLOCATION 85% SUB-ACCOUNT                             
  06/01/2007    to  12/31/2007       16.901260        15.972536          51,266.7201 
  01/01/2008    to  12/31/2008       15.972536         9.876488         174,269.0944 
  01/01/2009    to  12/31/2009        9.876488        12.927958         314,697.0200 
  01/01/2010    to  12/31/2010       12.927958        14.779103         342,281.2088 
  01/01/2011    to  12/31/2011       14.779103        14.265932         396,825.5285 
  01/01/2012    to  12/31/2012       14.265932        16.334414         399,331.1814 
  01/01/2013    to  12/31/2013       16.334414        20.416374         373,248.0715 
============   ==== ==========       =========        =========       ============== 
LEGG MASON PARTNERS VARIABLE INCOME TRUST                                            
WESTERN ASSET VARIABLE GLOBAL HIGH YIELD BOND SUB-ACCOUNT (CLASS I)                  
  06/01/2007    to  12/31/2007       17.712397        16.807712          31,611.6986 
  01/01/2008    to  12/31/2008       16.807712        11.487842          80,642.8091 
  01/01/2009    to  12/31/2009       11.487842        17.656988         112,627.2900 
  01/01/2010    to  12/31/2010       17.656988        20.049625         148,251.8212 
  01/01/2011    to  12/31/2011       20.049625        20.150240         201,146.5941 
  01/01/2012    to  12/31/2012       20.150240        23.557521         264,660.3173 
  01/01/2013    to  12/31/2013       23.557521        24.735967         302,838.5041 
============   ==== ==========       =========        =========       ============== 
MET INVESTORS SERIES TRUST                                                           
AMERICAN FUNDS (Reg. TM) GROWTH SUB-ACCOUNT (CLASS C)                                
  08/12/2013    to  12/31/2013        1.165570         1.297657       1,625,000.2403 
============   ==== ==========       =========        =========       ============== 
BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                           
  04/30/2012    to  12/31/2012       12.928305        13.926151          95,742.1245 
  01/01/2013    to  12/31/2013       13.926151        15.044315         184,530.1687 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                    1.20% SEPARATE ACCOUNT PRODUCT CHARGES                                    
                                                                                                 NUMBER OF    
                                                             ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                                            UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                                             BEGINNING OF        END OF        OUTSTANDING AT 
                                                                PERIOD           PERIOD        END OF PERIOD  
                                                           ---------------  ---------------  -----------------
                                                                                                              
CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                           
 (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))                                    
   05/02/2011                             to  12/31/2011        7.177663         6.514499        579,456.3592 
   01/01/2012                             to  12/31/2012        6.514499         7.627637        515,458.0083 
   01/01/2013                             to  12/31/2013        7.627637        10.973527        434,490.5976 
=============                            ==== ==========       =========        =========        ============ 
CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                           
 (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT LEGG                
 MASON VALUE EQUITY SUB-ACCOUNT (CLASS B))                                                                    
   06/01/2007                             to  12/31/2007       12.071091        10.406415        156,728.5943 
   01/01/2008                             to  12/31/2008       10.406415         4.666352        527,932.2941 
   01/01/2009                             to  12/31/2009        4.666352         6.361382        592,057.4700 
   01/01/2010                             to  12/31/2010        6.361382         6.746564        604,449.6957 
   01/01/2011                             to  04/29/2011        6.746564         7.178371              0.0000 
=============                            ==== ==========       =========        =========        ============ 
HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                                            
   04/30/2012                             to  12/31/2012       18.997626        21.986197         22,379.9944 
   01/01/2013                             to  12/31/2013       21.986197        28.347571        117,114.2155 
=============                            ==== ==========       =========        =========        ============ 
INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                        
 (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B))                                                         
   05/04/2009                             to  12/31/2009        9.978038        12.483604        424,767.7800 
   01/01/2010                             to  12/31/2010       12.483604        14.169748        517,024.3051 
   01/01/2011                             to  12/31/2011       14.169748        13.796208        587,504.4777 
   01/01/2012                             to  12/31/2012       13.796208        16.155436        604,542.8941 
   01/01/2013                             to  12/31/2013       16.155436        21.612434        620,775.2823 
=============                            ==== ==========       =========        =========        ============ 
INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                        
 (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B) AND BEFORE THAT VAN KAMPEN LIFE INVESTMENT               
 TRUST - VAN KAMPEN LIT COMSTOCK SUB-ACCOUNT (CLASS II))                                                      
   06/01/2007                             to  12/31/2007       17.534218        15.665413        139,536.6857 
   01/01/2008                             to  12/31/2008       15.665413         9.936510        311,938.3895 
   01/01/2009                             to  05/01/2009        9.936510         9.649832              0.0000 
=============                            ==== ==========       =========        =========        ============ 
INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                                                
   06/01/2007                             to  12/31/2007       16.848781        16.232859         21,183.5448 
   01/01/2008                             to  12/31/2008       16.232859         9.827109         31,532.8086 
   01/01/2009                             to  12/31/2009        9.827109        12.993774         56,702.0100 
   01/01/2010                             to  12/31/2010       12.993774        16.200466         71,805.0468 
   01/01/2011                             to  12/31/2011       16.200466        15.834582        137,167.2986 
   01/01/2012                             to  12/31/2012       15.834582        18.496938        153,038.2693 
   01/01/2013                             to  12/31/2013       18.496938        25.619077        162,088.7136 
=============                            ==== ==========       =========        =========        ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.20% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                   
  04/30/2012    to  12/31/2012       14.396192        14.806681           5,710.5508 
  01/01/2013    to  12/31/2013       14.806681        17.135943          30,512.7322 
============   ==== ==========       =========        =========       ============== 
MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                          
  06/01/2007    to  12/31/2007       11.752687        14.163133          27,264.5257 
  01/01/2008    to  12/31/2008       14.163133         6.222852         128,437.7179 
  01/01/2009    to  12/31/2009        6.222852        10.387939         209,466.1000 
  01/01/2010    to  12/31/2010       10.387939        12.692204         381,655.9521 
  01/01/2011    to  12/31/2011       12.692204        10.195420         594,836.5738 
  01/01/2012    to  12/31/2012       10.195420        11.976649         738,954.3059 
  01/01/2013    to  12/31/2013       11.976649        11.244349         954,513.8087 
============   ==== ==========       =========        =========       ============== 
MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                           
  06/01/2007    to  12/31/2007       17.803254        18.160911          32,889.0743 
  01/01/2008    to  12/31/2008       18.160911        10.341809          85,342.4274 
  01/01/2009    to  12/31/2009       10.341809        13.444029         137,558.4500 
  01/01/2010    to  12/31/2010       13.444029        14.798695         165,725.0750 
  01/01/2011    to  12/31/2011       14.798695        13.055870         233,214.5785 
  01/01/2012    to  12/31/2012       13.055870        15.054573         274,096.9288 
  01/01/2013    to  12/31/2013       15.054573        17.739559         287,586.3232 
============   ==== ==========       =========        =========       ============== 
MORGAN STANLEY MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                  
  06/01/2007    to  12/31/2007       12.589240        13.271208          68,132.0560 
  01/01/2008    to  12/31/2008       13.271208         6.982079         184,645.6307 
  01/01/2009    to  12/31/2009        6.982079        10.849894         341,306.8400 
  01/01/2010    to  12/31/2010       10.849894        14.160403         451,645.9661 
  01/01/2011    to  12/31/2011       14.160403        13.023345         683,738.0217 
  01/01/2012    to  12/31/2012       13.023345        14.061544         995,961.7885 
  01/01/2013    to  12/31/2013       14.061544        19.315756       1,072,430.8034 
============   ==== ==========       =========        =========       ============== 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                      
  06/01/2007    to  12/31/2007       21.519264        20.669781          14,389.0418 
  01/01/2008    to  12/31/2008       20.669781        12.139539          45,814.5036 
  01/01/2009    to  12/31/2009       12.139539        16.768835          57,761.7800 
  01/01/2010    to  12/31/2010       16.768835        19.207835          55,003.6518 
  01/01/2011    to  12/31/2011       19.207835        17.383948          50,102.4287 
  01/01/2012    to  12/31/2012       17.383948        20.812557          45,787.2150 
  01/01/2013    to  12/31/2013       20.812557        26.140025         211,765.1299 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.20% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                      
 (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B))                               
  05/03/2010    to  12/31/2010        8.747091         9.169748          45,509.2544 
  01/01/2011    to  12/31/2011        9.169748         8.435706         410,945.0181 
  01/01/2012    to  12/31/2012        8.435706        10.186084         376,942.1918 
  01/01/2013    to  04/26/2013       10.186084        10.835763               0.0000 
============   ==== ==========       =========        =========       ============== 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                      
 (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT FRANKLIN       
TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST - TEMPLETON GROWTH SECURITIES SUB-ACCOUNT
(CLASS 2))                                                                           
  06/01/2007    to  12/31/2007       15.076490        14.224340          84,997.8934 
  01/01/2008    to  12/31/2008       14.224340         8.105859         202,211.4008 
  01/01/2009    to  12/31/2009        8.105859        10.500288         258,389.7600 
  01/01/2010    to  12/31/2010       10.500288        11.142259         283,022.1042 
  01/01/2011    to  04/29/2011       11.142259        12.439508               0.0000 
============   ==== ==========       =========        =========       ============== 
PIONEER FUND SUB-ACCOUNT (CLASS A)                                                   
  06/01/2007    to  12/31/2007       22.138037        20.964844           9,058.7336 
  01/01/2008    to  12/31/2008       20.964844        13.912262          80,572.8949 
  01/01/2009    to  12/31/2009       13.912262        17.029653         250,560.2300 
  01/01/2010    to  12/31/2010       17.029653        19.556237         482,648.0076 
  01/01/2011    to  12/31/2011       19.556237        18.444747         753,953.7784 
  01/01/2012    to  12/31/2012       18.444747        20.153620         959,493.9792 
  01/01/2013    to  12/31/2013       20.153620        26.499857         959,216.3556 
============   ==== ==========       =========        =========       ============== 
PIONEER FUND SUB-ACCOUNT (CLASS B)                                                   
  08/12/2013    to  12/31/2013       12.260844        13.407209          62,880.2736 
============   ==== ==========       =========        =========       ============== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS A)                                       
  06/01/2007    to  12/31/2007       19.677254        20.352464         135,366.7635 
  01/01/2008    to  12/31/2008       20.352464        17.949001         496,531.2425 
  01/01/2009    to  12/31/2009       17.949001        23.603044         863,050.8100 
  01/01/2010    to  12/31/2010       23.603044        26.161095       1,332,588.9932 
  01/01/2011    to  12/31/2011       26.161095        26.787889       1,893,531.4038 
  01/01/2012    to  12/31/2012       26.787889        29.543507       2,422,581.3412 
  01/01/2013    to  12/31/2013       29.543507        29.642049       2,784,713.8073 
============   ==== ==========       =========        =========       ============== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS B)                                       
  08/12/2013    to  12/31/2013        2.791664         2.822699         790,333.3452 
============   ==== ==========       =========        =========       ============== 
METROPOLITAN SERIES FUND                                                             
BLACKROCK BOND INCOME SUB-ACCOUNT (CLASS B)                                          
  04/30/2012    to  12/31/2012       59.718558        62.179788           5,781.0920 
  01/01/2013    to  12/31/2013       62.179788        60.819052          11,952.3570 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                   1.20% SEPARATE ACCOUNT PRODUCT CHARGES                                   
                                                                                                NUMBER OF   
                                                             ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                                            UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                                             BEGINNING OF        END OF       OUTSTANDING AT
                                                                PERIOD           PERIOD       END OF PERIOD 
                                                           ---------------  ---------------  ---------------
                                                                                                            
BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                        
 (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A))                                         
   05/04/2009                             to  12/31/2009        9.254623        11.685867       28,420.6500 
   01/01/2010                             to  12/31/2010       11.685867        13.835066       26,303.9084 
   01/01/2011                             to  12/31/2011       13.835066        12.447419       24,164.4929 
   01/01/2012                             to  12/31/2012       12.447419        14.065768       21,217.4687 
   01/01/2013                             to  12/31/2013       14.065768        18.653842       18,148.9857 
=============                            ==== ==========       =========        =========      ============ 
BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                        
 (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A) AND BEFORE THAT MET INVESTORS            
 SERIES TRUST - MET/AIM CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A))                                         
   06/01/2007                             to  12/31/2007       16.779410        16.703763          809.1945 
   01/01/2008                             to  12/31/2008       16.703763         9.466289       14,372.7696 
   01/01/2009                             to  05/01/2009        9.466289         9.009245            0.0000 
=============                            ==== ==========       =========        =========      ============ 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                                                
   08/12/2013                             to  12/31/2013        2.373502         2.362525      339,916.6848 
=============                            ==== ==========       =========        =========      ============ 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                
   05/03/2010                             to  12/31/2010       14.118428        14.006551      323,715.9753 
   01/01/2011                             to  12/31/2011       14.006551        13.839940      472,526.0529 
   01/01/2012                             to  12/31/2012       13.839940        13.673962      457,911.0194 
   01/01/2013                             to  12/31/2013       13.673962        13.510863      430,697.7865 
=============                            ==== ==========       =========        =========      ============ 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                
 (FORMERLY LEGG MASON PARTNERS VARIABLE INCOME TRUST - LEGG MASON WESTERN ASSET VARIABLE MONEY              
 MARKET SUB-ACCOUNT)                                                                                        
   06/01/2007                             to  12/31/2007       13.830911        14.119530       57,294.8317 
   01/01/2008                             to  12/31/2008       14.119530        14.313968      313,609.9650 
   01/01/2009                             to  12/31/2009       14.313968        14.174867      370,552.6400 
   01/01/2010                             to  04/30/2010       14.174867        14.119821            0.0000 
=============                            ==== ==========       =========        =========      ============ 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                                       
   04/30/2012                             to  12/31/2012       14.674969        14.166790      162,093.3219 
   01/01/2013                             to  12/31/2013       14.166790        19.139548      147,538.7402 
=============                            ==== ==========       =========        =========      ============ 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                                       
 (FORMERLY OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B))                                          
   06/01/2007                             to  12/31/2007       10.120229        10.463481       53,799.5878 
   01/01/2008                             to  12/31/2008       10.463481         5.588900      156,787.8175 
   01/01/2009                             to  12/31/2009        5.588900         7.935595      192,549.6400 
   01/01/2010                             to  12/31/2010        7.935595         8.577766      226,137.6852 
   01/01/2011                             to  12/31/2011        8.577766         8.358647      257,108.7008 
   01/01/2012                             to  04/27/2012        8.358647         9.409573            0.0000 
=============                            ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                      1.20% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                    
  06/01/2007    to  12/31/2007       16.605153        17.037581       30,736.1531 
  01/01/2008    to  12/31/2008       17.037581        16.744234      162,346.2758 
  01/01/2009    to  12/31/2009       16.744234        17.219574      378,456.5200 
  01/01/2010    to  12/31/2010       17.219574        17.948713      581,037.8148 
  01/01/2011    to  12/31/2011       17.948713        18.669045      755,291.2399 
  01/01/2012    to  12/31/2012       18.669045        19.007371      989,588.4803 
  01/01/2013    to  12/31/2013       19.007371        18.610646      992,214.0749 
============   ==== ==========       =========        =========      ============ 
OPPENHEIMER VARIABLE ACCOUNT FUNDS                                                
OPPENHEIMER MAIN STREET SMALL CAP FUND (Reg. TM)/VA SUB-ACCOUNT (SERVICE SHARES)  
 (FORMERLY OPPENHEIMER MAIN STREET SMALL- & MID-CAP FUND (Reg. TM)/VA SUB-ACCOUNT 
(SERVICE SHARES))                                                                 
  07/13/2007    to  12/31/2007       19.835294        17.179818       63,428.5010 
  01/01/2008    to  12/31/2008       17.179818        10.523254      209,883.6499 
  01/01/2009    to  12/31/2009       10.523254        14.232718      315,099.4100 
  01/01/2010    to  12/31/2010       14.232718        17.305474      417,990.9079 
  01/01/2011    to  12/31/2011       17.305474        16.692006      492,186.1469 
  01/01/2012    to  12/31/2012       16.692006        19.406057      488,712.0158 
  01/01/2013    to  12/31/2013       19.406057        26.964048      449,421.7942 
============   ==== ==========       =========        =========      ============ 
PIONEER VARIABLE CONTRACTS TRUST                                                  
PIONEER VCT MID CAP VALUE SUB-ACCOUNT (CLASS II)                                  
  06/01/2007    to  12/31/2007       37.950583        34.382894       21,120.5492 
  01/01/2008    to  12/31/2008       34.382894        22.503089       56,225.8679 
  01/01/2009    to  12/31/2009       22.503089        27.851722       82,860.7300 
  01/01/2010    to  12/31/2010       27.851722        32.443757      101,731.3295 
  01/01/2011    to  12/31/2011       32.443757        30.185057      127,023.8633 
  01/01/2012    to  12/31/2012       30.185057        33.051825      141,197.0859 
  01/01/2013    to  12/31/2013       33.051825        43.354003      143,939.4515 
============   ==== ==========       =========        =========      ============ 
THE UNIVERSAL INSTITUTIONAL FUNDS, INC.                                           
UIF U.S. REAL ESTATE SUB-ACCOUNT (CLASS I)                                        
  06/01/2007    to  12/31/2007       61.519528        47.673421       17,057.5970 
  01/01/2008    to  12/31/2008       47.673421        29.252442       44,801.6034 
  01/01/2009    to  12/31/2009       29.252442        37.098625       68,735.6000 
  01/01/2010    to  12/31/2010       37.098625        47.639572       77,524.1338 
  01/01/2011    to  12/31/2011       47.639572        49.859118       96,434.7377 
  01/01/2012    to  12/31/2012       49.859118        57.062435      111,395.7939 
  01/01/2013    to  12/31/2013       57.062435        57.539784      139,400.4929 
============   ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                    1.25% SEPARATE ACCOUNT PRODUCT CHARGES                                     
                                                                                                  NUMBER OF    
                                                             ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                                            UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                                             BEGINNING OF        END OF        OUTSTANDING AT  
                                                                PERIOD           PERIOD         END OF PERIOD  
                                                           ---------------  ---------------  ------------------
                                                                                                               
AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS)                                                
INVESCO V.I. AMERICAN VALUE SUB-ACCOUNT (SERIES II)                                                            
 (FORMERLY INVESCO V.I. VAN KAMPEN AMERICAN VALUE FUND SUB-ACCOUNT (SERIES II) AND BEFORE THAT THE             
 UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF U.S. MID CAP VALUE SUB-ACCOUNT (CLASS II))               
   06/01/2007                             to  12/31/2007       11.699939        11.014328          23,476.3867 
   01/01/2008                             to  12/31/2008       11.014328         6.371662         157,256.2425 
   01/01/2009                             to  12/31/2009        6.371662         8.756664         250,332.8700 
   01/01/2010                             to  12/31/2010        8.756664        10.566201         379,790.5531 
   01/01/2011                             to  12/31/2011       10.566201        10.521467         627,227.4506 
   01/01/2012                             to  12/31/2012       10.521467        12.164300         801,628.7313 
   01/01/2013                             to  12/31/2013       12.164300        16.089633         818,197.4881 
=============                            ==== ==========       =========        =========       ============== 
INVESCO V.I. EQUITY AND INCOME SUB-ACCOUNT (SERIES II)                                                         
 (FORMERLY INVESCO V.I. VAN KAMPEN EQUITY AND INCOME SUB-ACCOUNT (SERIES II) AND BEFORE THAT THE               
 UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF EQUITY AND INCOME SUB-ACCOUNT (CLASS II))                
   06/01/2007                             to  12/31/2007       16.156184        15.408422         286,536.7232 
   01/01/2008                             to  12/31/2008       15.408422        11.765224         814,839.4064 
   01/01/2009                             to  12/31/2009       11.765224        14.232019       1,277,644.8100 
   01/01/2010                             to  12/31/2010       14.232019        15.746345       2,051,021.1409 
   01/01/2011                             to  12/31/2011       15.746345        15.349018       2,778,421.1349 
   01/01/2012                             to  12/31/2012       15.349018        17.035106       3,289,737.6774 
   01/01/2013                             to  12/31/2013       17.035106        21.010211       3,592,922.4007 
=============                            ==== ==========       =========        =========       ============== 
INVESCO V.I. GLOBAL REAL ESTATE SUB-ACCOUNT                                                                    
   06/01/2007                             to  12/31/2007       11.119866         9.637173          16,060.9711 
   01/01/2008                             to  12/31/2008        9.637173         5.260858          56,783.0077 
   01/01/2009                             to  12/31/2009        5.260858         6.811219          94,813.0700 
   01/01/2010                             to  12/31/2010        6.811219         7.886269         147,968.4237 
   01/01/2011                             to  12/31/2011        7.886269         7.264526         240,768.2040 
   01/01/2012                             to  12/31/2012        7.264526         9.171514         351,699.9802 
   01/01/2013                             to  12/31/2013        9.171514         9.278380         370,143.3037 
=============                            ==== ==========       =========        =========       ============== 
INVESCO V.I. GROWTH AND INCOME SUB-ACCOUNT (SERIES II)                                                         
 (FORMERLY INVESCO V.I. VAN KAMPEN GROWTH AND INCOME SUB-ACCOUNT (SERIES II) AND BEFORE THAT VAN               
 KAMPEN LIFE INVESTMENT TRUST - VAN KAMPEN LIT GROWTH AND INCOME SUB-ACCOUNT (CLASS II))                       
   06/01/2007                             to  12/31/2007       28.530979        26.426167          70,865.0947 
   01/01/2008                             to  12/31/2008       26.426167        17.690923         259,479.4939 
   01/01/2009                             to  12/31/2009       17.690923        21.683322         439,625.5000 
   01/01/2010                             to  12/31/2010       21.683322        24.024895         632,859.6050 
   01/01/2011                             to  12/31/2011       24.024895        23.190462         927,131.5257 
   01/01/2012                             to  12/31/2012       23.190462        26.186757       1,095,158.8111 
   01/01/2013                             to  12/31/2013       26.186757        34.594453       1,153,873.8348 
=============                            ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.25% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
INVESCO V.I. INTERNATIONAL GROWTH SUB-ACCOUNT (SERIES II)                         
  06/01/2007    to  12/31/2007       30.175628        30.376438       44,738.1099 
  01/01/2008    to  12/31/2008       30.376438        17.839977      180,858.9857 
  01/01/2009    to  12/31/2009       17.839977        23.769343      272,011.7100 
  01/01/2010    to  12/31/2010       23.769343        26.433963      424,860.1383 
  01/01/2011    to  12/31/2011       26.433963        24.280851      660,004.7633 
  01/01/2012    to  12/31/2012       24.280851        27.635474      817,857.5506 
  01/01/2013    to  12/31/2013       27.635474        32.400714      914,060.5996 
============   ==== ==========       =========        =========      ============ 
AMERICAN FUNDS INSURANCE SERIES (Reg. TM)                                         
AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS 2)                                         
  06/01/2007    to  12/31/2007       16.019697        16.111222       45,761.1518 
  01/01/2008    to  12/31/2008       16.111222        14.423185      208,596.4241 
  01/01/2009    to  12/31/2009       14.423185        16.039597      393,057.5500 
  01/01/2010    to  12/31/2010       16.039597        16.861215      551,046.5757 
  01/01/2011    to  12/31/2011       16.861215        17.668691      767,495.8599 
  01/01/2012    to  12/31/2012       17.668691        18.385674      822,053.9038 
  01/01/2013    to  12/31/2013       18.385674        17.765407      905,512.9975 
============   ==== ==========       =========        =========      ============ 
AMERICAN FUNDS GLOBAL GROWTH SUB-ACCOUNT (CLASS 2)                                
  06/01/2007    to  12/31/2007       28.976992        29.800598       55,423.6154 
  01/01/2008    to  12/31/2008       29.800598        18.131378      243,249.8973 
  01/01/2009    to  12/31/2009       18.131378        25.481276      330,343.5000 
  01/01/2010    to  12/31/2010       25.481276        28.120793      433,256.7699 
  01/01/2011    to  12/31/2011       28.120793        25.304324      571,736.4224 
  01/01/2012    to  12/31/2012       25.304324        30.626503      640,211.2351 
  01/01/2013    to  12/31/2013       30.626503        39.071333      662,691.6881 
============   ==== ==========       =========        =========      ============ 
AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION SUB-ACCOUNT (CLASS 2)                  
  06/01/2007    to  12/31/2007       35.501804        35.854686       21,370.6512 
  01/01/2008    to  12/31/2008       35.854686        16.456813      112,684.9618 
  01/01/2009    to  12/31/2009       16.456813        26.214637      140,363.5100 
  01/01/2010    to  12/31/2010       26.214637        31.692104      175,124.7350 
  01/01/2011    to  12/31/2011       31.692104        25.307030      224,345.4235 
  01/01/2012    to  12/31/2012       25.307030        29.534009      267,803.7134 
  01/01/2013    to  12/31/2013       29.534009        37.415444      274,489.7487 
============   ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.25% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS 2)                                       
  06/01/2007    to  12/31/2007       183.550812       183.063067      19,199.1586 
  01/01/2008    to  12/31/2008       183.063067       101.288942      95,392.7324 
  01/01/2009    to  12/31/2009       101.288942       139.454969     153,388.1700 
  01/01/2010    to  12/31/2010       139.454969       163.451823     200,794.5043 
  01/01/2011    to  12/31/2011       163.451823       154.521625     247,196.0210 
  01/01/2012    to  12/31/2012       154.521625       179.893111     271,500.0765 
  01/01/2013    to  12/31/2013       179.893111       231.138525     271,096.2227 
============   ==== ==========       ==========       ==========     ============ 
AMERICAN FUNDS GROWTH-INCOME SUB-ACCOUNT (CLASS 2)                                
  06/01/2007    to  12/31/2007       130.143757       124.418214      14,564.1411 
  01/01/2008    to  12/31/2008       124.418214        76.363335      55,055.3762 
  01/01/2009    to  12/31/2009        76.363335        98.975235      93,590.3500 
  01/01/2010    to  12/31/2010        98.975235       108.915613     115,330.8503 
  01/01/2011    to  12/31/2011       108.915613       105.597072     130,674.4672 
  01/01/2012    to  12/31/2012       105.597072       122.509209     130,870.7850 
  01/01/2013    to  12/31/2013       122.509209       161.519113     129,010.1350 
============   ==== ==========       ==========       ==========     ============ 
FIDELITY (Reg. TM) VARIABLE INSURANCE PRODUCTS                                    
VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS)                              
  06/01/2007    to  12/31/2007        45.479933        48.396178      17,517.5014 
  01/01/2008    to  12/31/2008        48.396178        27.426138     126,943.3798 
  01/01/2009    to  12/31/2009        27.426138        36.745478     208,251.2800 
  01/01/2010    to  12/31/2010        36.745478        42.497923     311,759.0612 
  01/01/2011    to  12/31/2011        42.497923        40.864330     447,225.0632 
  01/01/2012    to  12/31/2012        40.864330        46.935281     550,434.6868 
  01/01/2013    to  12/31/2013        46.935281        60.789198     568,710.4051 
============   ==== ==========       ==========       ==========     ============ 
VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS 2)                            
  08/12/2013    to  12/31/2013         5.393340         5.950715     350,255.5712 
============   ==== ==========       ==========       ==========     ============ 
VIP MID CAP SUB-ACCOUNT (SERVICE CLASS 2)                                         
  06/01/2007    to  12/31/2007        41.187807        41.753107      21,610.8330 
  01/01/2008    to  12/31/2008        41.753107        24.901542     120,050.5419 
  01/01/2009    to  12/31/2009        24.901542        34.368186     233,595.6800 
  01/01/2010    to  12/31/2010        34.368186        43.639225     369,529.2124 
  01/01/2011    to  12/31/2011        43.639225        38.420845     586,830.7763 
  01/01/2012    to  12/31/2012        38.420845        43.466436     717,764.3069 
  01/01/2013    to  12/31/2013        43.466436        58.324363     750,517.9531 
============   ==== ==========       ==========       ==========     ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.25% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST                                 
FRANKLIN INCOME SECURITIES SUB-ACCOUNT (CLASS 2)                                     
  06/01/2007    to  12/31/2007       49.664557        47.591776          48,962.2725 
  01/01/2008    to  12/31/2008       47.591776        33.060519         149,147.9513 
  01/01/2009    to  12/31/2009       33.060519        44.271867         207,471.7600 
  01/01/2010    to  12/31/2010       44.271867        49.263034         286,323.6436 
  01/01/2011    to  12/31/2011       49.263034        49.812387         384,196.5328 
  01/01/2012    to  12/31/2012       49.812387        55.414367         481,245.7654 
  01/01/2013    to  12/31/2013       55.414367        62.355652         511,798.6704 
============   ==== ==========       =========        =========       ============== 
FRANKLIN SMALL CAP VALUE SECURITIES SUB-ACCOUNT (CLASS 2)                            
  06/01/2007    to  12/31/2007       10.246876         8.776681          21,309.4066 
  01/01/2008    to  12/31/2008        8.776681         5.805553          59,547.2447 
  01/01/2009    to  12/31/2009        5.805553         7.405099         139,941.7000 
  01/01/2010    to  12/31/2010        7.405099         9.377133         323,205.5515 
  01/01/2011    to  12/31/2011        9.377133         8.912651         670,106.8636 
  01/01/2012    to  12/31/2012        8.912651        10.419781         912,658.6813 
  01/01/2013    to  12/31/2013       10.419781        14.019476       1,075,518.5239 
============   ==== ==========       =========        =========       ============== 
MUTUAL SHARES SECURITIES SUB-ACCOUNT (CLASS 2)                                       
  06/01/2007    to  12/31/2007       26.518923        24.620211          70,938.1335 
  01/01/2008    to  12/31/2008       24.620211        15.290879         222,868.0798 
  01/01/2009    to  12/31/2009       15.290879        19.034488         315,701.0700 
  01/01/2010    to  12/31/2010       19.034488        20.902590         408,401.5721 
  01/01/2011    to  12/31/2011       20.902590        20.428357         546,282.2597 
  01/01/2012    to  12/31/2012       20.428357        23.046801         575,998.5904 
  01/01/2013    to  12/31/2013       23.046801        29.193028         555,019.0157 
============   ==== ==========       =========        =========       ============== 
TEMPLETON GLOBAL BOND SECURITIES SUB-ACCOUNT                                         
  06/01/2007    to  12/31/2007       12.344226        12.832877          34,487.7862 
  01/01/2008    to  12/31/2008       12.832877        13.459608         148,150.4113 
  01/01/2009    to  12/31/2009       13.459608        15.775794         379,114.4000 
  01/01/2010    to  12/31/2010       15.775794        17.830937         634,673.7198 
  01/01/2011    to  12/31/2011       17.830937        17.456636         945,782.1418 
  01/01/2012    to  12/31/2012       17.456636        19.835891       1,304,675.6964 
  01/01/2013    to  12/31/2013       19.835891        19.908639       1,545,588.1450 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.25% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                      NUMBER OF    
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS      
                                   BEGINNING OF        END OF       OUTSTANDING AT 
                                      PERIOD           PERIOD       END OF PERIOD  
                                 ---------------  ---------------  --------------- 
                                                                                   
LEGG MASON PARTNERS VARIABLE EQUITY TRUST                                          
CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I)                       
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I))
  06/01/2007    to  12/31/2007       15.776376        14.892899       60,913.2567  
  01/01/2008    to  12/31/2008       14.892899         8.764591      228,717.9277  
  01/01/2009    to  12/31/2009        8.764591        11.647810      362,152.8100  
  01/01/2010    to  12/31/2010       11.647810        14.380193      443,664.5203  
  01/01/2011    to  12/31/2011       14.380193        14.552820      661,781.5419  
  01/01/2012    to  12/31/2012       14.552820        17.061886      771,459.7712  
  01/01/2013    to  12/31/2013       17.061886        24.901118      871,662.1079  
============   ==== ==========       =========        =========      ============  
CLEARBRIDGE VARIABLE ALL CAP VALUE SUB-ACCOUNT (CLASS I)                           
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE FUNDAMENTAL ALL CAP VALUE SUB-ACCOUNT   
(CLASS I))                                                                         
  06/01/2007    to  12/31/2007       38.903616        36.159439       23,844.9984  
  01/01/2008    to  12/31/2008       36.159439        22.647427      102,878.2278  
  01/01/2009    to  12/31/2009       22.647427        28.932451      147,983.7500  
  01/01/2010    to  12/31/2010       28.932451        33.317654      177,310.6615  
  01/01/2011    to  12/31/2011       33.317654        30.865828      207,549.5904  
  01/01/2012    to  12/31/2012       30.865828        35.046053      216,508.2190  
  01/01/2013    to  12/31/2013       35.046053        45.743661      207,579.2821  
============   ==== ==========       =========        =========      ============  
CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I)                            
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I))     
  06/01/2007    to  12/31/2007       34.694580        34.698048       19,032.7861  
  01/01/2008    to  12/31/2008       34.698048        24.221434      113,895.0003  
  01/01/2009    to  12/31/2009       24.221434        29.210797      223,948.1300  
  01/01/2010    to  12/31/2010       29.210797        32.490430      358,622.5413  
  01/01/2011    to  12/31/2011       32.490430        32.923231      545,022.0115  
  01/01/2012    to  12/31/2012       32.923231        37.697685      672,145.8301  
  01/01/2013    to  12/31/2013       37.697685        48.398672      762,386.4631  
============   ==== ==========       =========        =========      ============  
CLEARBRIDGE VARIABLE EQUITY INCOME SUB-ACCOUNT (CLASS II)                          
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE EQUITY INCOME BUILDER SUB-ACCOUNT       
(CLASS II))                                                                        
  11/12/2007    to  12/31/2007       14.850248        15.163612            0.0000  
  01/01/2008    to  12/31/2008       15.163612         9.739658      120,689.8626  
  01/01/2009    to  12/31/2009        9.739658        11.795641      201,044.1600  
  01/01/2010    to  12/31/2010       11.795641        13.060712      329,082.5188  
  01/01/2011    to  12/31/2011       13.060712        13.893365      555,934.0197  
  01/01/2012    to  12/31/2012       13.893365        15.651253      811,166.3445  
  01/01/2013    to  12/31/2013       15.651253        19.426657      981,351.0855  
============   ==== ==========       =========        =========      ============  

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.25% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I)                          
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I))   
  06/01/2007    to  12/31/2007       17.607778        17.316087           3,026.1539 
  01/01/2008    to  12/31/2008       17.316087        10.138735          24,175.6479 
  01/01/2009    to  12/31/2009       10.138735        14.295706          78,784.0100 
  01/01/2010    to  12/31/2010       14.295706        17.673648         119,834.8578 
  01/01/2011    to  12/31/2011       17.673648        17.696599         195,438.7635 
  01/01/2012    to  12/31/2012       17.696599        20.870801         267,684.7273 
  01/01/2013    to  12/31/2013       20.870801        30.309557         340,739.4731 
============   ==== ==========       =========        =========       ============== 
LEGG MASON VARIABLE LIFESTYLE ALLOCATION 50% SUB-ACCOUNT                             
  05/03/2010    to  12/31/2010       16.586621        17.566747          47,005.8522 
  01/01/2011    to  12/31/2011       17.566747        17.552377         169,956.8446 
  01/01/2012    to  12/31/2012       17.552377        19.603090         249,989.5673 
  01/01/2013    to  12/31/2013       19.603090        22.328250         315,170.3369 
============   ==== ==========       =========        =========       ============== 
LEGG MASON VARIABLE LIFESTYLE ALLOCATION 85% SUB-ACCOUNT                             
  06/01/2007    to  12/31/2007       16.814235        15.885655          39,784.0193 
  01/01/2008    to  12/31/2008       15.885655         9.817829         266,099.7138 
  01/01/2009    to  12/31/2009        9.817829        12.844752         347,519.6800 
  01/01/2010    to  12/31/2010       12.844752        14.676649         378,656.4977 
  01/01/2011    to  12/31/2011       14.676649        14.159966         435,042.5528 
  01/01/2012    to  12/31/2012       14.159966        16.204938         533,588.1875 
  01/01/2013    to  12/31/2013       16.204938        20.244423         471,991.4238 
============   ==== ==========       =========        =========       ============== 
LEGG MASON PARTNERS VARIABLE INCOME TRUST                                            
WESTERN ASSET VARIABLE GLOBAL HIGH YIELD BOND SUB-ACCOUNT (CLASS I)                  
  06/01/2007    to  12/31/2007       17.632084        16.726619          34,782.3367 
  01/01/2008    to  12/31/2008       16.726619        11.426676         101,433.9389 
  01/01/2009    to  12/31/2009       11.426676        17.554209         164,966.0000 
  01/01/2010    to  12/31/2010       17.554209        19.922959         244,774.7236 
  01/01/2011    to  12/31/2011       19.922959        20.012954         316,889.8435 
  01/01/2012    to  12/31/2012       20.012954        23.385266         416,423.3632 
  01/01/2013    to  12/31/2013       23.385266        24.542821         445,523.5760 
============   ==== ==========       =========        =========       ============== 
MET INVESTORS SERIES TRUST                                                           
AMERICAN FUNDS (Reg. TM) GROWTH SUB-ACCOUNT (CLASS C)                                
  08/12/2013    to  12/31/2013        1.162481         1.293969       1,670,281.0429 
============   ==== ==========       =========        =========       ============== 
BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                           
  04/30/2012    to  12/31/2012       22.919700        24.680431          74,441.3844 
  01/01/2013    to  12/31/2013       24.680431        26.648757         145,888.7636 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                    1.25% SEPARATE ACCOUNT PRODUCT CHARGES                                    
                                                                                                 NUMBER OF    
                                                             ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                                            UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                                             BEGINNING OF        END OF        OUTSTANDING AT 
                                                                PERIOD           PERIOD        END OF PERIOD  
                                                           ---------------  ---------------  -----------------
                                                                                                              
CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                           
 (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))                                    
   05/02/2011                             to  12/31/2011        7.157916         6.494420        642,973.0607 
   01/01/2012                             to  12/31/2012        6.494420         7.600306        580,313.8273 
   01/01/2013                             to  12/31/2013        7.600306        10.928746        486,576.3585 
=============                            ==== ==========       =========        =========        ============ 
CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                           
 (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT LEGG                
 MASON VALUE EQUITY SUB-ACCOUNT (CLASS B))                                                                    
   06/01/2007                             to  12/31/2007       12.061536        10.395140        140,017.9691 
   01/01/2008                             to  12/31/2008       10.395140         4.658948        511,529.1245 
   01/01/2009                             to  12/31/2009        4.658948         6.348112        583,563.0100 
   01/01/2010                             to  12/31/2010        6.348112         6.729128        649,437.9016 
   01/01/2011                             to  04/29/2011        6.729128         7.158651              0.0000 
=============                            ==== ==========       =========        =========        ============ 
HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                                            
   04/30/2012                             to  12/31/2012       18.897507        21.862991         26,779.8880 
   01/01/2013                             to  12/31/2013       21.862991        28.174637        120,947.5856 
=============                            ==== ==========       =========        =========        ============ 
INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                        
 (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B))                                                         
   05/04/2009                             to  12/31/2009        9.928151        12.417100        467,709.0600 
   01/01/2010                             to  12/31/2010       12.417100        14.087223        597,743.2038 
   01/01/2011                             to  12/31/2011       14.087223        13.709014        750,324.7480 
   01/01/2012                             to  12/31/2012       13.709014        16.045268        847,537.8744 
   01/01/2013                             to  12/31/2013       16.045268        21.454330        892,691.3324 
=============                            ==== ==========       =========        =========        ============ 
INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                        
 (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B) AND BEFORE THAT VAN KAMPEN LIFE INVESTMENT               
 TRUST - VAN KAMPEN LIT COMSTOCK SUB-ACCOUNT (CLASS II))                                                      
   06/01/2007                             to  12/31/2007       17.463407        15.597594        148,429.5567 
   01/01/2008                             to  12/31/2008       15.597594         9.888519        306,288.6734 
   01/01/2009                             to  05/01/2009        9.888519         9.601624              0.0000 
=============                            ==== ==========       =========        =========        ============ 
INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                                                
   06/01/2007                             to  12/31/2007       16.801278        16.182367         12,169.7667 
   01/01/2008                             to  12/31/2008       16.182367         9.791616         21,556.0666 
   01/01/2009                             to  12/31/2009        9.791616        12.940371         38,918.8000 
   01/01/2010                             to  12/31/2010       12.940371        16.125829         70,120.1189 
   01/01/2011                             to  12/31/2011       16.125829        15.753764        169,658.1616 
   01/01/2012                             to  12/31/2012       15.753764        18.393286        255,551.3395 
   01/01/2013                             to  12/31/2013       18.393286        25.462792        283,903.2573 
=============                            ==== ==========       =========        =========        ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.25% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                   
  04/30/2012    to  12/31/2012       14.352986        14.757290          18,226.8373 
  01/01/2013    to  12/31/2013       14.757290        17.070248          35,350.4858 
============   ==== ==========       =========        =========       ============== 
MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                          
  06/01/2007    to  12/31/2007       11.746262        14.151264          36,648.7597 
  01/01/2008    to  12/31/2008       14.151264         6.214507         143,585.0594 
  01/01/2009    to  12/31/2009        6.214507        10.368825         205,099.1600 
  01/01/2010    to  12/31/2010       10.368825        12.662528         393,156.0422 
  01/01/2011    to  12/31/2011       12.662528        10.166501         708,230.9483 
  01/01/2012    to  12/31/2012       10.166501        11.936678         887,776.7552 
  01/01/2013    to  12/31/2013       11.936678        11.201217       1,080,764.7382 
============   ==== ==========       =========        =========       ============== 
MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                           
  06/01/2007    to  12/31/2007       17.747242        18.098490          25,940.8901 
  01/01/2008    to  12/31/2008       18.098490        10.301083          93,130.6206 
  01/01/2009    to  12/31/2009       10.301083        13.384389         171,089.8000 
  01/01/2010    to  12/31/2010       13.384389        14.725690         187,902.1933 
  01/01/2011    to  12/31/2011       14.725690        12.984974         238,639.4687 
  01/01/2012    to  12/31/2012       12.984974        14.965301         291,482.2327 
  01/01/2013    to  12/31/2013       14.965301        17.625554         304,058.7371 
============   ==== ==========       =========        =========       ============== 
MORGAN STANLEY MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                  
  06/01/2007    to  12/31/2007       12.549621        13.225582          78,766.6065 
  01/01/2008    to  12/31/2008       13.225582         6.954573         173,080.2248 
  01/01/2009    to  12/31/2009        6.954573        10.801752         311,790.0600 
  01/01/2010    to  12/31/2010       10.801752        14.090534         428,808.3531 
  01/01/2011    to  12/31/2011       14.090534        12.952618         688,611.1856 
  01/01/2012    to  12/31/2012       12.952618        13.978149       1,034,189.8572 
  01/01/2013    to  12/31/2013       13.978149        19.191611       1,142,852.9422 
============   ==== ==========       =========        =========       ============== 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                      
  06/01/2007    to  12/31/2007       21.409247        20.558104          19,482.4558 
  01/01/2008    to  12/31/2008       20.558104        12.067882          26,546.6179 
  01/01/2009    to  12/31/2009       12.067882        16.661518          26,391.4800 
  01/01/2010    to  12/31/2010       16.661518        19.075379          23,508.2305 
  01/01/2011    to  12/31/2011       19.075379        17.255449          20,474.3342 
  01/01/2012    to  12/31/2012       17.255449        20.648336          22,188.2302 
  01/01/2013    to  12/31/2013       20.648336        25.920812         225,960.7304 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.25% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                      
 (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B))                               
  05/03/2010    to  12/31/2010        8.738234         9.157427          37,222.4647 
  01/01/2011    to  12/31/2011        9.157427         8.420166         369,155.5547 
  01/01/2012    to  12/31/2012        8.420166        10.162211         402,210.9755 
  01/01/2013    to  04/26/2013       10.162211        10.808649               0.0000 
============   ==== ==========       =========        =========       ============== 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                      
 (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT FRANKLIN       
TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST - TEMPLETON GROWTH SECURITIES SUB-ACCOUNT
(CLASS 2))                                                                           
  06/01/2007    to  12/31/2007       15.013258        14.160547          44,963.0520 
  01/01/2008    to  12/31/2008       14.160547         8.065451         153,550.5471 
  01/01/2009    to  12/31/2009        8.065451        10.442720         206,563.0800 
  01/01/2010    to  12/31/2010       10.442720        11.075637         214,660.5865 
  01/01/2011    to  04/29/2011       11.075637        12.363115               0.0000 
============   ==== ==========       =========        =========       ============== 
PIONEER FUND SUB-ACCOUNT (CLASS A)                                                   
  06/01/2007    to  12/31/2007       21.991013        20.819532           4,734.2722 
  01/01/2008    to  12/31/2008       20.819532        13.808893          94,552.6930 
  01/01/2009    to  12/31/2009       13.808893        16.894669         251,433.6700 
  01/01/2010    to  12/31/2010       16.894669        19.391537         461,896.1481 
  01/01/2011    to  12/31/2011       19.391537        18.280281         789,456.2776 
  01/01/2012    to  12/31/2012       18.280281        19.963879       1,009,892.2209 
  01/01/2013    to  12/31/2013       19.963879        26.237256       1,046,431.7826 
============   ==== ==========       =========        =========       ============== 
PIONEER FUND SUB-ACCOUNT (CLASS B)                                                   
  08/12/2013    to  12/31/2013        2.364421         2.584991         279,460.0999 
============   ==== ==========       =========        =========       ============== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS A)                                       
  06/01/2007    to  12/31/2007       19.550505        20.215468         134,380.7380 
  01/01/2008    to  12/31/2008       20.215468        17.819243         462,501.6948 
  01/01/2009    to  12/31/2009       17.819243        23.420710         860,795.4700 
  01/01/2010    to  12/31/2010       23.420710        25.946030       1,368,224.2697 
  01/01/2011    to  12/31/2011       25.946030        26.554426       1,954,679.7255 
  01/01/2012    to  12/31/2012       26.554426        29.271314       2,549,813.1706 
  01/01/2013    to  12/31/2013       29.271314        29.354266       2,939,487.5303 
============   ==== ==========       =========        =========       ============== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS B)                                       
  08/12/2013    to  12/31/2013        2.765037         2.795236       1,066,618.6686 
============   ==== ==========       =========        =========       ============== 
METROPOLITAN SERIES FUND                                                             
BLACKROCK BOND INCOME SUB-ACCOUNT (CLASS B)                                          
  04/30/2012    to  12/31/2012       58.867804        61.273408          22,511.0229 
  01/01/2013    to  12/31/2013       61.273408        59.902542          41,079.3584 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                                   1.25% SEPARATE ACCOUNT PRODUCT CHARGES                                   
                                                                                                NUMBER OF   
                                                             ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                                            UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                                             BEGINNING OF        END OF       OUTSTANDING AT
                                                                PERIOD           PERIOD       END OF PERIOD 
                                                           ---------------  ---------------  ---------------
                                                                                                            
BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                        
 (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A))                                         
   05/04/2009                             to  12/31/2009        9.191979        11.602943       10,990.2700 
   01/01/2010                             to  12/31/2010       11.602943        13.730032       13,968.0071 
   01/01/2011                             to  12/31/2011       13.730032        12.346755       11,536.6727 
   01/01/2012                             to  12/31/2012       12.346755        13.945007       13,303.9930 
   01/01/2013                             to  12/31/2013       13.945007        18.484449       16,259.8177 
=============                            ==== ==========       =========        =========      ============ 
BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                        
 (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A) AND BEFORE THAT MET INVESTORS            
 SERIES TRUST - MET/AIM CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A))                                         
   06/01/2007                             to  12/31/2007       16.681925        16.601871        3,075.5502 
   01/01/2008                             to  12/31/2008       16.601871         9.403814       10,417.5642 
   01/01/2009                             to  05/01/2009        9.403814         8.948298            0.0000 
=============                            ==== ==========       =========        =========      ============ 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                                                
   08/12/2013                             to  12/31/2013       23.381858        23.269230       35,974.5477 
=============                            ==== ==========       =========        =========      ============ 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                
   05/03/2010                             to  12/31/2010       14.006697        13.891099      453,369.3044 
   01/01/2011                             to  12/31/2011       13.891099        13.719018      777,310.1670 
   01/01/2012                             to  12/31/2012       13.719018        13.547676      745,659.8625 
   01/01/2013                             to  12/31/2013       13.547676        13.379391      487,212.0011 
=============                            ==== ==========       =========        =========      ============ 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                
 (FORMERLY LEGG MASON PARTNERS VARIABLE INCOME TRUST - LEGG MASON WESTERN ASSET VARIABLE MONEY              
 MARKET SUB-ACCOUNT)                                                                                        
   06/01/2007                             to  12/31/2007       13.741528        14.024189       68,428.3023 
   01/01/2008                             to  12/31/2008       14.024189        14.210187      342,300.3067 
   01/01/2009                             to  12/31/2009       14.210187        14.065060      437,459.0300 
   01/01/2010                             to  04/30/2010       14.065060        14.008136            0.0000 
=============                            ==== ==========       =========        =========      ============ 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                                       
   04/30/2012                             to  12/31/2012       14.601721        14.091348      142,240.3795 
   01/01/2013                             to  12/31/2013       14.091348        19.028114      128,849.8767 
=============                            ==== ==========       =========        =========      ============ 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                                       
 (FORMERLY OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B))                                          
   06/01/2007                             to  12/31/2007       10.088379        10.427507       45,072.0186 
   01/01/2008                             to  12/31/2008       10.427507         5.566883      163,650.9391 
   01/01/2009                             to  12/31/2009        5.566883         7.900384      196,416.1300 
   01/01/2010                             to  12/31/2010        7.900384         8.535439      200,144.1074 
   01/01/2011                             to  12/31/2011        8.535439         8.313253      206,393.5153 
   01/01/2012                             to  04/27/2012        8.313253         9.356948            0.0000 
=============                            ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.25% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                    
  06/01/2007    to  12/31/2007       16.500941        16.925717       18,294.2186 
  01/01/2008    to  12/31/2008       16.925717        16.625957      136,633.2503 
  01/01/2009    to  12/31/2009       16.625957        17.089394      248,852.8100 
  01/01/2010    to  12/31/2010       17.089394        17.804117      411,849.8625 
  01/01/2011    to  12/31/2011       17.804117        18.509416      683,634.9190 
  01/01/2012    to  12/31/2012       18.509416        18.835377      860,870.8406 
  01/01/2013    to  12/31/2013       18.835377        18.433022      962,864.5096 
============   ==== ==========       =========        =========      ============ 
OPPENHEIMER VARIABLE ACCOUNT FUNDS                                                
OPPENHEIMER MAIN STREET SMALL CAP FUND (Reg. TM)/VA SUB-ACCOUNT (SERVICE SHARES)  
 (FORMERLY OPPENHEIMER MAIN STREET SMALL- & MID-CAP FUND (Reg. TM)/VA SUB-ACCOUNT 
(SERVICE SHARES))                                                                 
  07/13/2007    to  12/31/2007       19.775893        17.124350       48,537.5931 
  01/01/2008    to  12/31/2008       17.124350        10.484004      210,591.8251 
  01/01/2009    to  12/31/2009       10.484004        14.172538      308,151.5800 
  01/01/2010    to  12/31/2010       14.172538        17.223697      418,104.5636 
  01/01/2011    to  12/31/2011       17.223697        16.604837      545,384.5303 
  01/01/2012    to  12/31/2012       16.604837        19.295017      546,700.8671 
  01/01/2013    to  12/31/2013       19.295017        26.796373      506,030.9303 
============   ==== ==========       =========        =========      ============ 
PIONEER VARIABLE CONTRACTS TRUST                                                  
PIONEER VCT MID CAP VALUE SUB-ACCOUNT (CLASS II)                                  
  06/01/2007    to  12/31/2007       37.718670        34.162806       24,298.6086 
  01/01/2008    to  12/31/2008       34.162806        22.347805       60,324.4137 
  01/01/2009    to  12/31/2009       22.347805        27.645699       95,831.1700 
  01/01/2010    to  12/31/2010       27.645699        32.187685      122,112.3004 
  01/01/2011    to  12/31/2011       32.187685        29.931864      151,046.4382 
  01/01/2012    to  12/31/2012       29.931864        32.758115      169,622.6565 
  01/01/2013    to  12/31/2013       32.758115        42.947278      167,243.4457 
============   ==== ==========       =========        =========      ============ 
THE UNIVERSAL INSTITUTIONAL FUNDS, INC.                                           
UIF U.S. REAL ESTATE SUB-ACCOUNT (CLASS I)                                        
  06/01/2007    to  12/31/2007       61.154069        47.376362       22,287.2283 
  01/01/2008    to  12/31/2008       47.376362        29.055513       43,904.7610 
  01/01/2009    to  12/31/2009       29.055513        36.830427       60,726.9000 
  01/01/2010    to  12/31/2010       36.830427        47.271572       74,949.6848 
  01/01/2011    to  12/31/2011       47.271572        49.449300      100,317.1216 
  01/01/2012    to  12/31/2012       49.449300        56.564981      122,076.5870 
  01/01/2013    to  12/31/2013       56.564981        57.009647      145,198.2725 
============   ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                                     1.35% SEPARATE ACCOUNT PRODUCT CHARGES                                     
                                                                                                  NUMBER OF     
                                                             ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                                            UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                                             BEGINNING OF        END OF         OUTSTANDING AT  
                                                                PERIOD           PERIOD         END OF PERIOD   
                                                           ---------------  ---------------  -------------------
                                                                                                                
AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS)                                                 
INVESCO V.I. AMERICAN VALUE SUB-ACCOUNT (SERIES II)                                                             
 (FORMERLY INVESCO V.I. VAN KAMPEN AMERICAN VALUE FUND SUB-ACCOUNT (SERIES II) AND BEFORE THAT THE              
 UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF U.S. MID CAP VALUE SUB-ACCOUNT (CLASS II))                
   06/01/2007                             to  12/31/2007       11.693987        11.002300          102,070.3716 
   01/01/2008                             to  12/31/2008       11.002300         6.358307          372,167.3809 
   01/01/2009                             to  12/31/2009        6.358307         8.729580          591,535.3600 
   01/01/2010                             to  12/31/2010        8.729580        10.523007          933,727.8252 
   01/01/2011                             to  12/31/2011       10.523007        10.468005        1,544,773.8085 
   01/01/2012                             to  12/31/2012       10.468005        12.090336        1,890,064.8190 
   01/01/2013                             to  12/31/2013       12.090336        15.975835        2,066,042.3123 
=============                            ==== ==========       =========        =========       =============== 
INVESCO V.I. EQUITY AND INCOME SUB-ACCOUNT (SERIES II)                                                          
 (FORMERLY INVESCO V.I. VAN KAMPEN EQUITY AND INCOME SUB-ACCOUNT (SERIES II) AND BEFORE THAT THE                
 UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF EQUITY AND INCOME SUB-ACCOUNT (CLASS II))                 
   06/01/2007                             to  12/31/2007       16.090299        15.336630          863,621.2217 
   01/01/2008                             to  12/31/2008       15.336630        11.698654        2,344,585.9063 
   01/01/2009                             to  12/31/2009       11.698654        14.137354        4,200,126.2200 
   01/01/2010                             to  12/31/2010       14.137354        15.625990        6,040,493.7500 
   01/01/2011                             to  12/31/2011       15.625990        15.216510        8,270,103.9323 
   01/01/2012                             to  12/31/2012       15.216510        16.871081        9,505,265.8993 
   01/01/2013                             to  12/31/2013       16.871081        20.787131       10,272,149.5915 
=============                            ==== ==========       =========        =========       =============== 
INVESCO V.I. GLOBAL REAL ESTATE SUB-ACCOUNT                                                                     
   06/01/2007                             to  12/31/2007       11.114266         9.626692           56,435.9895 
   01/01/2008                             to  12/31/2008        9.626692         5.249851          146,198.2840 
   01/01/2009                             to  12/31/2009        5.249851         6.790173          227,842.4300 
   01/01/2010                             to  12/31/2010        6.790173         7.854058          398,757.0802 
   01/01/2011                             to  12/31/2011        7.854058         7.227635          679,963.5574 
   01/01/2012                             to  12/31/2012        7.227635         9.115779          948,346.2062 
   01/01/2013                             to  12/31/2013        9.115779         9.212778        1,178,412.6456 
=============                            ==== ==========       =========        =========       =============== 
INVESCO V.I. GROWTH AND INCOME SUB-ACCOUNT (SERIES II)                                                          
 (FORMERLY INVESCO V.I. VAN KAMPEN GROWTH AND INCOME SUB-ACCOUNT (SERIES II) AND BEFORE THAT VAN                
 KAMPEN LIFE INVESTMENT TRUST - VAN KAMPEN LIT GROWTH AND INCOME SUB-ACCOUNT (CLASS II))                        
   06/01/2007                             to  12/31/2007       28.234608        26.136393          218,556.9271 
   01/01/2008                             to  12/31/2008       26.136393        17.479358          749,520.8083 
   01/01/2009                             to  12/31/2009       17.479358        21.402603        1,404,256.4600 
   01/01/2010                             to  12/31/2010       21.402603        23.690185        2,078,654.9001 
   01/01/2011                             to  12/31/2011       23.690185        22.844567        2,939,642.6134 
   01/01/2012                             to  12/31/2012       22.844567        25.770263        3,533,550.2270 
   01/01/2013                             to  12/31/2013       25.770263        34.010243        3,702,109.7537 
=============                            ==== ==========       =========        =========       =============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.35% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
INVESCO V.I. INTERNATIONAL GROWTH SUB-ACCOUNT (SERIES II)                           
  06/01/2007    to  12/31/2007       29.753666        29.934187        129,840.3669 
  01/01/2008    to  12/31/2008       29.934187        17.562589        544,184.4888 
  01/01/2009    to  12/31/2009       17.562589        23.376387        972,894.0900 
  01/01/2010    to  12/31/2010       23.376387        25.971006      1,515,357.3111 
  01/01/2011    to  12/31/2011       25.971006        23.831796      2,287,337.9683 
  01/01/2012    to  12/31/2012       23.831796        27.097143      2,931,354.1755 
  01/01/2013    to  12/31/2013       27.097143        31.737829      3,195,318.6607 
============   ==== ==========       =========        =========      ============== 
AMERICAN FUNDS INSURANCE SERIES (Reg. TM)                                           
AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS 2)                                           
  06/01/2007    to  12/31/2007       15.858831        15.940133        128,998.6878 
  01/01/2008    to  12/31/2008       15.940133        14.255719        592,501.7816 
  01/01/2009    to  12/31/2009       14.255719        15.837530      1,196,386.3900 
  01/01/2010    to  12/31/2010       15.837530        16.632166      1,751,820.4179 
  01/01/2011    to  12/31/2011       16.632166        17.411310      2,266,177.9723 
  01/01/2012    to  12/31/2012       17.411310        18.099650      2,630,117.4301 
  01/01/2013    to  12/31/2013       18.099650        17.471554      2,906,658.2526 
============   ==== ==========       =========        =========      ============== 
AMERICAN FUNDS GLOBAL GROWTH SUB-ACCOUNT (CLASS 2)                                  
  06/01/2007    to  12/31/2007       28.686027        29.484154        166,921.3288 
  01/01/2008    to  12/31/2008       29.484154        17.920831        685,887.9723 
  01/01/2009    to  12/31/2009       17.920831        25.160223      1,014,838.1400 
  01/01/2010    to  12/31/2010       25.160223        27.738767      1,337,260.5604 
  01/01/2011    to  12/31/2011       27.738767        24.935652      1,699,131.5579 
  01/01/2012    to  12/31/2012       24.935652        30.149991      1,944,459.8596 
  01/01/2013    to  12/31/2013       30.149991        38.425020      1,991,117.9240 
============   ==== ==========       =========        =========      ============== 
AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION SUB-ACCOUNT (CLASS 2)                    
  06/01/2007    to  12/31/2007       35.180443        35.509401         55,247.2949 
  01/01/2008    to  12/31/2008       35.509401        16.281942        298,704.8026 
  01/01/2009    to  12/31/2009       16.281942        25.910183        470,849.5400 
  01/01/2010    to  12/31/2010       25.910183        31.292776        624,955.9661 
  01/01/2011    to  12/31/2011       31.292776        24.963205        845,462.9147 
  01/01/2012    to  12/31/2012       24.963205        29.103502        993,424.6983 
  01/01/2013    to  12/31/2013       29.103502        36.833241        987,007.3557 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.35% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS 2)                                          
  06/01/2007    to  12/31/2007       179.318909       178.738032         72,731.5471 
  01/01/2008    to  12/31/2008       178.738032        98.796499        312,850.6487 
  01/01/2009    to  12/31/2009        98.796499       135.887462        550,435.6200 
  01/01/2010    to  12/31/2010       135.887462       159.111454        738,149.5273 
  01/01/2011    to  12/31/2011       159.111454       150.268371        900,249.6606 
  01/01/2012    to  12/31/2012       150.268371       174.765855      1,007,376.9359 
  01/01/2013    to  12/31/2013       174.765855       224.326453        988,425.0868 
============   ==== ==========       ==========       ==========      ============== 
AMERICAN FUNDS GROWTH-INCOME SUB-ACCOUNT (CLASS 2)                                   
  06/01/2007    to  12/31/2007       127.143698       121.479197         49,142.3863 
  01/01/2008    to  12/31/2008       121.479197        74.484569        179,109.1709 
  01/01/2009    to  12/31/2009        74.484569        96.443688        304,702.7200 
  01/01/2010    to  12/31/2010        96.443688       106.023864        403,388.0020 
  01/01/2011    to  12/31/2011       106.023864       102.690914        486,295.5496 
  01/01/2012    to  12/31/2012       102.690914       119.017982        514,945.3469 
  01/01/2013    to  12/31/2013       119.017982       156.759515        510,133.5198 
============   ==== ==========       ==========       ==========      ============== 
FIDELITY (Reg. TM) VARIABLE INSURANCE PRODUCTS                                       
VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS)                                 
  06/01/2007    to  12/31/2007        44.918402        47.770761         71,282.4137 
  01/01/2008    to  12/31/2008        47.770761        27.044504        421,439.6248 
  01/01/2009    to  12/31/2009        27.044504        36.197957        766,987.2600 
  01/01/2010    to  12/31/2010        36.197957        41.822904      1,120,002.0622 
  01/01/2011    to  12/31/2011        41.822904        40.175147      1,554,858.2943 
  01/01/2012    to  12/31/2012        40.175147        46.097376      1,920,781.2124 
  01/01/2013    to  12/31/2013        46.097376        59.644353      1,985,463.5137 
============   ==== ==========       ==========       ==========      ============== 
VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS 2)                               
  08/12/2013    to  12/31/2013         5.293887         5.838730        934,251.9567 
============   ==== ==========       ==========       ==========      ============== 
VIP MID CAP SUB-ACCOUNT (SERVICE CLASS 2)                                            
  06/01/2007    to  12/31/2007        40.842155        41.378549         74,795.4321 
  01/01/2008    to  12/31/2008        41.378549        24.653365        383,404.0460 
  01/01/2009    to  12/31/2009        24.653365        33.991678        818,808.5500 
  01/01/2010    to  12/31/2010        33.991678        43.118083      1,326,915.0387 
  01/01/2011    to  12/31/2011        43.118083        37.924133      2,034,373.6981 
  01/01/2012    to  12/31/2012        37.924133        42.861406      2,554,198.0812 
  01/01/2013    to  12/31/2013        42.861406        57.455098      2,620,475.2037 
============   ==== ==========       ==========       ==========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.35% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST                                
FRANKLIN INCOME SECURITIES SUB-ACCOUNT (CLASS 2)                                    
  06/01/2007    to  12/31/2007       48.762367        46.699971        144,111.9389 
  01/01/2008    to  12/31/2008       46.699971        32.408457        439,125.2439 
  01/01/2009    to  12/31/2009       32.408457        43.355351        681,296.2600 
  01/01/2010    to  12/31/2010       43.355351        48.195023        920,510.1232 
  01/01/2011    to  12/31/2011       48.195023        48.683885      1,179,024.2233 
  01/01/2012    to  12/31/2012       48.683885        54.104558      1,427,128.0070 
  01/01/2013    to  12/31/2013       54.104558        60.820960      1,527,386.6004 
============   ==== ==========       =========        =========      ============== 
FRANKLIN SMALL CAP VALUE SECURITIES SUB-ACCOUNT (CLASS 2)                           
  06/01/2007    to  12/31/2007       10.246568         8.771291         61,266.8173 
  01/01/2008    to  12/31/2008        8.771291         5.796158        286,385.3998 
  01/01/2009    to  12/31/2009        5.796158         7.385723        610,721.5000 
  01/01/2010    to  12/31/2010        7.385723         9.343263      1,141,622.3569 
  01/01/2011    to  12/31/2011        9.343263         8.871599      2,091,770.3984 
  01/01/2012    to  12/31/2012        8.871599        10.361374      3,026,921.9408 
  01/01/2013    to  12/31/2013       10.361374        13.926970      3,274,309.0896 
============   ==== ==========       =========        =========      ============== 
MUTUAL SHARES SECURITIES SUB-ACCOUNT (CLASS 2)                                      
  06/01/2007    to  12/31/2007       26.240217        24.347239        194,774.7417 
  01/01/2008    to  12/31/2008       24.347239        15.106154        643,241.5020 
  01/01/2009    to  12/31/2009       15.106154        18.785753        962,662.9600 
  01/01/2010    to  12/31/2010       18.785753        20.608847      1,253,132.3614 
  01/01/2011    to  12/31/2011       20.608847        20.121188      1,553,557.7426 
  01/01/2012    to  12/31/2012       20.121188        22.677463      1,673,103.8177 
  01/01/2013    to  12/31/2013       22.677463        28.696513      1,638,942.4954 
============   ==== ==========       =========        =========      ============== 
TEMPLETON GLOBAL BOND SECURITIES SUB-ACCOUNT                                        
  06/01/2007    to  12/31/2007       12.240901        12.718040         97,223.6756 
  01/01/2008    to  12/31/2008       12.718040        13.325798        511,624.2085 
  01/01/2009    to  12/31/2009       13.325798        15.603356        988,458.3300 
  01/01/2010    to  12/31/2010       15.603356        17.618427      1,713,010.9715 
  01/01/2011    to  12/31/2011       17.618427        17.231392      2,822,479.1844 
  01/01/2012    to  12/31/2012       17.231392        19.560284      3,834,318.3240 
  01/01/2013    to  12/31/2013       19.560284        19.612404      4,502,260.2754 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.35% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
LEGG MASON PARTNERS VARIABLE EQUITY TRUST                                           
CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I)                        
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I)) 
  06/01/2007    to  12/31/2007       15.657089        14.771665        310,139.8536 
  01/01/2008    to  12/31/2008       14.771665         8.684507        877,887.7594 
  01/01/2009    to  12/31/2009        8.684507        11.529846      1,438,882.5700 
  01/01/2010    to  12/31/2010       11.529846        14.220352      1,797,877.5275 
  01/01/2011    to  12/31/2011       14.220352        14.376707      2,325,681.9625 
  01/01/2012    to  12/31/2012       14.376707        16.838481      2,731,730.3566 
  01/01/2013    to  12/31/2013       16.838481        24.550538      3,020,814.1022 
============   ==== ==========       =========        =========      ============== 
CLEARBRIDGE VARIABLE ALL CAP VALUE SUB-ACCOUNT (CLASS I)                            
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE FUNDAMENTAL ALL CAP VALUE SUB-ACCOUNT    
(CLASS I))                                                                          
  06/01/2007    to  12/31/2007       38.382457        35.654217        118,021.1065 
  01/01/2008    to  12/31/2008       35.654217        22.308557        302,021.7879 
  01/01/2009    to  12/31/2009       22.308557        28.471051        477,813.1400 
  01/01/2010    to  12/31/2010       28.471051        32.753593        588,978.5012 
  01/01/2011    to  12/31/2011       32.753593        30.313000        701,494.4004 
  01/01/2012    to  12/31/2012       30.313000        34.383791        781,638.1839 
  01/01/2013    to  12/31/2013       34.383791        44.834435        785,654.4512 
============   ==== ==========       =========        =========      ============== 
CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I)                             
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I))      
  06/01/2007    to  12/31/2007       34.157584        34.141067        114,895.6415 
  01/01/2008    to  12/31/2008       34.141067        23.808695        396,642.4198 
  01/01/2009    to  12/31/2009       23.808695        28.684347        894,218.5300 
  01/01/2010    to  12/31/2010       28.684347        31.873018      1,431,958.2275 
  01/01/2011    to  12/31/2011       31.873018        32.265395      2,035,009.8290 
  01/01/2012    to  12/31/2012       32.265395        36.907355      2,467,770.3327 
  01/01/2013    to  12/31/2013       36.907355        47.336682      2,769,263.5038 
============   ==== ==========       =========        =========      ============== 
CLEARBRIDGE VARIABLE EQUITY INCOME SUB-ACCOUNT (CLASS II)                           
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE EQUITY INCOME BUILDER SUB-ACCOUNT        
(CLASS II))                                                                         
  11/12/2007    to  12/31/2007       14.774482        15.084222          6,196.1600 
  01/01/2008    to  12/31/2008       15.084222         9.678937        353,627.7805 
  01/01/2009    to  12/31/2009        9.678937        11.710392        889,054.0400 
  01/01/2010    to  12/31/2010       11.710392        12.953375      1,279,024.5134 
  01/01/2011    to  12/31/2011       12.953375        13.765450      1,842,476.8200 
  01/01/2012    to  12/31/2012       13.765450        15.491582      2,617,770.3251 
  01/01/2013    to  12/31/2013       15.491582        19.209268      3,136,354.9882 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.35% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I)                          
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I))   
  06/01/2007    to  12/31/2007       17.474651        17.175135          29,122.1154 
  01/01/2008    to  12/31/2008       17.175135        10.046098         138,940.8307 
  01/01/2009    to  12/31/2009       10.046098        14.150931         263,567.0400 
  01/01/2010    to  12/31/2010       14.150931        17.477201         396,885.6520 
  01/01/2011    to  12/31/2011       17.477201        17.482442         592,971.5855 
  01/01/2012    to  12/31/2012       17.482442        20.597525         810,232.6563 
  01/01/2013    to  12/31/2013       20.597525        29.882840         973,862.2688 
============   ==== ==========       =========        =========       ============== 
LEGG MASON VARIABLE LIFESTYLE ALLOCATION 50% SUB-ACCOUNT                             
  05/03/2010    to  12/31/2010       16.368428        17.324178         102,088.8961 
  01/01/2011    to  12/31/2011       17.324178        17.292749         332,882.0577 
  01/01/2012    to  12/31/2012       17.292749        19.293732         454,222.2727 
  01/01/2013    to  12/31/2013       19.293732        21.953935         567,776.4567 
============   ==== ==========       =========        =========       ============== 
LEGG MASON VARIABLE LIFESTYLE ALLOCATION 85% SUB-ACCOUNT                             
  06/01/2007    to  12/31/2007       16.641527        15.713307         306,197.3429 
  01/01/2008    to  12/31/2008       15.713307         9.701558         829,686.0159 
  01/01/2009    to  12/31/2009        9.701558        12.679953       1,275,411.0500 
  01/01/2010    to  12/31/2010       12.679953        14.473884       1,442,897.9378 
  01/01/2011    to  12/31/2011       14.473884        13.950410       1,684,307.9565 
  01/01/2012    to  12/31/2012       13.950410        15.949086       1,767,225.1759 
  01/01/2013    to  12/31/2013       15.949086        19.904896       1,707,373.4513 
============   ==== ==========       =========        =========       ============== 
LEGG MASON PARTNERS VARIABLE INCOME TRUST                                            
WESTERN ASSET VARIABLE GLOBAL HIGH YIELD BOND SUB-ACCOUNT (CLASS I)                  
  06/01/2007    to  12/31/2007       17.472548        16.565603         102,205.3817 
  01/01/2008    to  12/31/2008       16.565603        11.305325         224,935.3830 
  01/01/2009    to  12/31/2009       11.305325        17.350454         356,196.8200 
  01/01/2010    to  12/31/2010       17.350454        19.672044         542,519.3518 
  01/01/2011    to  12/31/2011       19.672044        19.741211         742,657.8192 
  01/01/2012    to  12/31/2012       19.741211        23.044568         971,852.2205 
  01/01/2013    to  12/31/2013       23.044568        24.161094       1,123,031.7053 
============   ==== ==========       =========        =========       ============== 
MET INVESTORS SERIES TRUST                                                           
AMERICAN FUNDS (Reg. TM) GROWTH SUB-ACCOUNT (CLASS C)                                
  08/12/2013    to  12/31/2013        1.156331         1.286627       5,106,256.0867 
============   ==== ==========       =========        =========       ============== 
BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                           
  04/30/2012    to  12/31/2012       12.854692        13.832930         188,216.7981 
  01/01/2013    to  12/31/2013       13.832930        14.921220         523,293.2031 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                     1.35% SEPARATE ACCOUNT PRODUCT CHARGES                                     
                                                                                                  NUMBER OF     
                                                             ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                                            UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                                             BEGINNING OF        END OF         OUTSTANDING AT  
                                                                PERIOD           PERIOD         END OF PERIOD   
                                                           ---------------  ---------------  -------------------
                                                                                                                
CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                             
 (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))                                      
   05/02/2011                             to  12/31/2011        7.118594         6.454456        1,777,137.5393 
   01/01/2012                             to  12/31/2012        6.454456         7.545950        1,583,920.1936 
   01/01/2013                             to  12/31/2013        7.545950        10.839755        1,341,218.9831 
=============                            ==== ==========       =========        =========        ============== 
CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                             
 (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT LEGG                  
 MASON VALUE EQUITY SUB-ACCOUNT (CLASS B))                                                                      
   06/01/2007                             to  12/31/2007       12.042449        10.372627          427,378.3028 
   01/01/2008                             to  12/31/2008       10.372627         4.644177        1,521,800.9408 
   01/01/2009                             to  12/31/2009        4.644177         6.321660        1,822,173.0700 
   01/01/2010                             to  12/31/2010        6.321660         6.694398        1,869,589.8923 
   01/01/2011                             to  04/29/2011        6.694398         7.119384                0.0000 
=============                            ==== ==========       =========        =========        ============== 
HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                                              
   04/30/2012                             to  12/31/2012       18.698919        21.618736           79,913.7490 
   01/01/2013                             to  12/31/2013       21.618736        27.832051          346,489.6617 
=============                            ==== ==========       =========        =========        ============== 
INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                          
 (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B))                                                           
   05/04/2009                             to  12/31/2009        9.829129        12.285159        1,477,258.1400 
   01/01/2010                             to  12/31/2010       12.285159        13.923618        1,971,935.7205 
   01/01/2011                             to  12/31/2011       13.923618        13.536283        2,486,218.4815 
   01/01/2012                             to  12/31/2012       13.536283        15.827186        2,627,511.8580 
   01/01/2013                             to  12/31/2013       15.827186        21.141599        2,678,635.1638 
=============                            ==== ==========       =========        =========        ============== 
INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                          
 (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B) AND BEFORE THAT VAN KAMPEN LIFE INVESTMENT                 
 TRUST - VAN KAMPEN LIT COMSTOCK SUB-ACCOUNT (CLASS II))                                                        
   06/01/2007                             to  12/31/2007       17.322642        15.462835          365,227.4497 
   01/01/2008                             to  12/31/2008       15.462835         9.793233          918,010.0763 
   01/01/2009                             to  05/01/2009        9.793233         9.505935                0.0000 
=============                            ==== ==========       =========        =========        ============== 
INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                                                  
   06/01/2007                             to  12/31/2007       16.706675        16.081855           25,947.6947 
   01/01/2008                             to  12/31/2008       16.081855         9.721020           60,278.0076 
   01/01/2009                             to  12/31/2009        9.721020        12.834234          103,266.8000 
   01/01/2010                             to  12/31/2010       12.834234        15.977602          175,142.3980 
   01/01/2011                             to  12/31/2011       15.977602        15.593388          501,236.0117 
   01/01/2012                             to  12/31/2012       15.593388        18.187756          674,352.6310 
   01/01/2013                             to  12/31/2013       18.187756        25.153131          725,258.9602 
=============                            ==== ==========       =========        =========        ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.35% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                   
  04/30/2012    to  12/31/2012       14.266993        14.659036          35,889.2841 
  01/01/2013    to  12/31/2013       14.659036        16.939659          86,078.9971 
============   ==== ==========       =========        =========       ============== 
MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                          
  06/01/2007    to  12/31/2007       11.733425        14.127557          69,904.0976 
  01/01/2008    to  12/31/2008       14.127557         6.197852         448,774.8619 
  01/01/2009    to  12/31/2009        6.197852        10.330710         805,909.9400 
  01/01/2010    to  12/31/2010       10.330710        12.603398       1,326,448.5867 
  01/01/2011    to  12/31/2011       12.603398        10.108923       2,153,863.8253 
  01/01/2012    to  12/31/2012       10.108923        11.857156       2,841,719.5837 
  01/01/2013    to  12/31/2013       11.857156        11.115473       3,526,259.7621 
============   ==== ==========       =========        =========       ============== 
MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                           
  06/01/2007    to  12/31/2007       17.635745        17.974290          72,693.7584 
  01/01/2008    to  12/31/2008       17.974290        10.220113         282,941.0861 
  01/01/2009    to  12/31/2009       10.220113        13.265913         434,981.4300 
  01/01/2010    to  12/31/2010       13.265913        14.580776         563,668.8461 
  01/01/2011    to  12/31/2011       14.580776        12.844353         719,075.9490 
  01/01/2012    to  12/31/2012       12.844353        14.788370         802,712.2790 
  01/01/2013    to  12/31/2013       14.788370        17.399776         815,186.0576 
============   ==== ==========       =========        =========       ============== 
MORGAN STANLEY MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                  
  06/01/2007    to  12/31/2007       12.470755        13.134798         144,237.7573 
  01/01/2008    to  12/31/2008       13.134798         6.899890         503,187.3770 
  01/01/2009    to  12/31/2009        6.899890        10.706115         871,527.2700 
  01/01/2010    to  12/31/2010       10.706115        13.951843       1,313,975.7709 
  01/01/2011    to  12/31/2011       13.951843        12.812332       2,221,001.1832 
  01/01/2012    to  12/31/2012       12.812332        13.812865       3,399,809.0349 
  01/01/2013    to  12/31/2013       13.812865        18.945749       3,700,597.9136 
============   ==== ==========       =========        =========       ============== 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                      
  06/01/2007    to  12/31/2007       21.190896        20.336557          39,373.9603 
  01/01/2008    to  12/31/2008       20.336557        11.925839         117,435.8209 
  01/01/2009    to  12/31/2009       11.925839        16.448952         137,056.2100 
  01/01/2010    to  12/31/2010       16.448952        18.813221         122,511.6579 
  01/01/2011    to  12/31/2011       18.813221        17.001316         112,637.7454 
  01/01/2012    to  12/31/2012       17.001316        20.323808         103,818.6780 
  01/01/2013    to  12/31/2013       20.323808        25.487940         757,791.0570 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.35% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                     
 (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B))                              
  05/03/2010    to  12/31/2010        8.720553         9.132845        129,865.2640 
  01/01/2011    to  12/31/2011        9.132845         8.389181      1,292,234.3154 
  01/01/2012    to  12/31/2012        8.389181        10.114650      1,406,266.8683 
  01/01/2013    to  04/26/2013       10.114650        10.754644              0.0000 
============   ==== ==========       =========        =========      ============== 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                     
 (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT FRANKLIN      
TEMPLETON VARIABLE                                                                  
 INSURANCE PRODUCTS TRUST - TEMPLETON GROWTH SECURITIES SUB-ACCOUNT (CLASS 2))      
  06/01/2007    to  12/31/2007       14.887589        14.033818        151,813.5214 
  01/01/2008    to  12/31/2008       14.033818         7.985241        525,074.9280 
  01/01/2009    to  12/31/2009        7.985241        10.328537        799,558.9000 
  01/01/2010    to  12/31/2010       10.328537        10.943598        853,046.6388 
  01/01/2011    to  04/29/2011       10.943598        12.211748              0.0000 
============   ==== ==========       =========        =========      ============== 
PIONEER FUND SUB-ACCOUNT (CLASS A)                                                  
  06/01/2007    to  12/31/2007       21.699888        20.531924         21,618.3489 
  01/01/2008    to  12/31/2008       20.531924        13.604457        289,852.3745 
  01/01/2009    to  12/31/2009       13.604457        16.627915        965,164.1700 
  01/01/2010    to  12/31/2010       16.627915        19.066306      1,798,904.8643 
  01/01/2011    to  12/31/2011       19.066306        17.955760      2,821,297.3546 
  01/01/2012    to  12/31/2012       17.955760        19.589776      3,608,903.8770 
  01/01/2013    to  12/31/2013       19.589776        25.719889      3,619,764.3825 
============   ==== ==========       =========        =========      ============== 
PIONEER FUND SUB-ACCOUNT (CLASS B)                                                  
  08/12/2013    to  12/31/2013       12.018836        13.134968        178,011.8300 
============   ==== ==========       =========        =========      ============== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS A)                                      
  06/01/2007    to  12/31/2007       19.299449        19.944234        406,264.6248 
  01/01/2008    to  12/31/2008       19.944234        17.562540      1,426,392.3168 
  01/01/2009    to  12/31/2009       17.562540        23.060271      2,717,407.8800 
  01/01/2010    to  12/31/2010       23.060271        25.521213      4,341,633.0528 
  01/01/2011    to  12/31/2011       25.521213        26.093622      6,236,451.3564 
  01/01/2012    to  12/31/2012       26.093622        28.734479      8,067,160.1492 
  01/01/2013    to  12/31/2013       28.734479        28.787115      9,375,335.9363 
============   ==== ==========       =========        =========      ============== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS B)                                      
  08/12/2013    to  12/31/2013        2.712562         2.741129      2,554,309.4261 
============   ==== ==========       =========        =========      ============== 
METROPOLITAN SERIES FUND                                                            
BLACKROCK BOND INCOME SUB-ACCOUNT (CLASS B)                                         
  04/30/2012    to  12/31/2012       57.203074        59.500724         30,126.4741 
  01/01/2013    to  12/31/2013       59.500724        58.111385         48,577.5586 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                                    1.35% SEPARATE ACCOUNT PRODUCT CHARGES                                     
                                                                                                  NUMBER OF    
                                                             ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                                            UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                                             BEGINNING OF        END OF        OUTSTANDING AT  
                                                                PERIOD           PERIOD         END OF PERIOD  
                                                           ---------------  ---------------  ------------------
                                                                                                               
BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                           
 (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A))                                            
   05/04/2009                             to  12/31/2009        9.067965        11.438865          51,334.9100 
   01/01/2010                             to  12/31/2010       11.438865        13.522364          49,210.5882 
   01/01/2011                             to  12/31/2011       13.522364        12.147879          45,340.0910 
   01/01/2012                             to  12/31/2012       12.147879        13.706610          42,825.7468 
   01/01/2013                             to  12/31/2013       13.706610        18.150303          42,981.6944 
=============                            ==== ==========       =========        =========       ============== 
BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                           
 (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A) AND BEFORE THAT MET INVESTORS               
 SERIES TRUST - MET/AIM CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A))                                            
   06/01/2007                             to  12/31/2007       16.488650        16.399946          10,874.6341 
   01/01/2008                             to  12/31/2008       16.399946         9.280102          43,359.5651 
   01/01/2009                             to  05/01/2009        9.280102         8.827642               0.0000 
=============                            ==== ==========       =========        =========       ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                                                   
   08/12/2013                             to  12/31/2013       22.691474        22.573450         132,841.4033 
=============                            ==== ==========       =========        =========       ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                   
   05/03/2010                             to  12/31/2010       13.785892        13.663056         870,069.8690 
   01/01/2011                             to  12/31/2011       13.663056        13.480353       1,393,417.7913 
   01/01/2012                             to  12/31/2012       13.480353        13.298616       1,468,170.3437 
   01/01/2013                             to  12/31/2013       13.298616        13.120301       1,035,163.0769 
=============                            ==== ==========       =========        =========       ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                   
 (FORMERLY LEGG MASON PARTNERS VARIABLE INCOME TRUST - LEGG MASON WESTERN ASSET VARIABLE MONEY                 
 MARKET SUB-ACCOUNT)                                                                                           
   06/01/2007                             to  12/31/2007       13.564491        13.835434         153,367.6427 
   01/01/2008                             to  12/31/2008       13.835434        14.004883         822,378.9923 
   01/01/2009                             to  12/31/2009       14.004883        13.848000         890,115.7400 
   01/01/2010                             to  04/30/2010       13.848000        13.787422               0.0000 
=============                            ==== ==========       =========        =========       ============== 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                                          
   04/30/2012                             to  12/31/2012       14.456371        13.941721         563,768.4028 
   01/01/2013                             to  12/31/2013       13.941721        18.807266         519,198.3226 
=============                            ==== ==========       =========        =========       ============== 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                                          
 (FORMERLY OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B))                                             
   06/01/2007                             to  12/31/2007       10.024980        10.355931         150,190.5441 
   01/01/2008                             to  12/31/2008       10.355931         5.523112         578,719.4985 
   01/01/2009                             to  12/31/2009        5.523112         7.830435         713,911.9100 
   01/01/2010                             to  12/31/2010        7.830435         8.451421         814,999.8082 
   01/01/2011                             to  12/31/2011        8.451421         8.223214         888,311.2530 
   01/01/2012                             to  04/27/2012        8.223214         9.252594               0.0000 
=============                            ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.35% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                       
  06/01/2007    to  12/31/2007       16.294475        16.704186          57,928.3203 
  01/01/2008    to  12/31/2008       16.704186        16.391910         335,937.9616 
  01/01/2009    to  12/31/2009       16.391910        16.831991         887,102.2100 
  01/01/2010    to  12/31/2010       16.831991        17.518429       1,544,666.0277 
  01/01/2011    to  12/31/2011       17.518429        18.194266       2,283,326.3250 
  01/01/2012    to  12/31/2012       18.194266        18.496078       2,977,041.7354 
  01/01/2013    to  12/31/2013       18.496078        18.082883       3,152,666.3425 
============   ==== ==========       =========        =========       ============== 
OPPENHEIMER VARIABLE ACCOUNT FUNDS                                                   
OPPENHEIMER MAIN STREET SMALL CAP FUND (Reg. TM)/VA SUB-ACCOUNT (SERVICE SHARES)     
 (FORMERLY OPPENHEIMER MAIN STREET SMALL- & MID-CAP FUND (Reg. TM)/VA SUB-ACCOUNT    
(SERVICE SHARES))                                                                    
  07/13/2007    to  12/31/2007       19.657622        17.013951         163,383.4664 
  01/01/2008    to  12/31/2008       17.013951        10.405945         631,577.4392 
  01/01/2009    to  12/31/2009       10.405945        14.052951       1,109,738.0400 
  01/01/2010    to  12/31/2010       14.052951        17.061319       1,478,440.2722 
  01/01/2011    to  12/31/2011       17.061319        16.431887       1,728,018.9633 
  01/01/2012    to  12/31/2012       16.431887        19.074874       1,754,225.9717 
  01/01/2013    to  12/31/2013       19.074874        26.464204       1,628,921.2948 
============   ==== ==========       =========        =========       ============== 
PIONEER VARIABLE CONTRACTS TRUST                                                     
PIONEER VCT MID CAP VALUE SUB-ACCOUNT (CLASS II)                                     
  06/01/2007    to  12/31/2007       37.259084        33.726846          63,805.4757 
  01/01/2008    to  12/31/2008       33.726846        22.040453         166,683.1217 
  01/01/2009    to  12/31/2009       22.040453        27.238235         241,788.9800 
  01/01/2010    to  12/31/2010       27.238235        31.681622         330,085.7844 
  01/01/2011    to  12/31/2011       31.681622        29.431873         433,834.9014 
  01/01/2012    to  12/31/2012       29.431873        32.178558         496,743.5348 
  01/01/2013    to  12/31/2013       32.178558        42.145330         499,712.7978 
============   ==== ==========       =========        =========       ============== 
THE UNIVERSAL INSTITUTIONAL FUNDS, INC.                                              
UIF U.S. REAL ESTATE SUB-ACCOUNT (CLASS I)                                           
  06/01/2007    to  12/31/2007       60.429647        46.787784          58,317.9574 
  01/01/2008    to  12/31/2008       46.787784        28.665633         151,290.9798 
  01/01/2009    to  12/31/2009       28.665633        36.299860         238,764.6700 
  01/01/2010    to  12/31/2010       36.299860        46.544128         280,709.2982 
  01/01/2011    to  12/31/2011       46.544128        48.639810         362,240.5893 
  01/01/2012    to  12/31/2012       48.639810        55.583143         440,821.4127 
  01/01/2013    to  12/31/2013       55.583143        55.964101         500,804.5361 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                                   1.45% SEPARATE ACCOUNT PRODUCT CHARGES                                   
                                                                                                NUMBER OF   
                                                             ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                                            UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                                             BEGINNING OF        END OF       OUTSTANDING AT
                                                                PERIOD           PERIOD       END OF PERIOD 
                                                           ---------------  ---------------  ---------------
                                                                                                            
AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS)                                             
INVESCO V.I. AMERICAN VALUE SUB-ACCOUNT (SERIES II)                                                         
 (FORMERLY INVESCO V.I. VAN KAMPEN AMERICAN VALUE FUND SUB-ACCOUNT (SERIES II) AND BEFORE THAT THE          
 UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF U.S. MID CAP VALUE SUB-ACCOUNT (CLASS II))            
   06/01/2007                             to  12/31/2007       11.688035        10.990281        1,794.5610 
   01/01/2008                             to  12/31/2008       10.990281         6.344975        2,334.0088 
   01/01/2009                             to  12/31/2009        6.344975         8.702570        4,827.0700 
   01/01/2010                             to  12/31/2010        8.702570        10.479974        4,879.7164 
   01/01/2011                             to  12/31/2011       10.479974        10.414796        3,663.0948 
   01/01/2012                             to  12/31/2012       10.414796        12.016795        5,596.2582 
   01/01/2013                             to  12/31/2013       12.016795        15.862801        7,345.8446 
=============                            ==== ==========       =========        =========       =========== 
INVESCO V.I. EQUITY AND INCOME SUB-ACCOUNT (SERIES II)                                                      
 (FORMERLY INVESCO V.I. VAN KAMPEN EQUITY AND INCOME SUB-ACCOUNT (SERIES II) AND BEFORE THAT THE            
 UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF EQUITY AND INCOME SUB-ACCOUNT (CLASS II))             
   06/01/2007                             to  12/31/2007       16.024683        15.265172        5,936.1315 
   01/01/2008                             to  12/31/2008       15.265172        11.632456       17,689.4005 
   01/01/2009                             to  12/31/2009       11.632456        14.043308       24,082.0100 
   01/01/2010                             to  12/31/2010       14.043308        15.506536       29,144.8688 
   01/01/2011                             to  12/31/2011       15.506536        15.085123       38,933.1993 
   01/01/2012                             to  12/31/2012       15.085123        16.708603       41,557.5008 
   01/01/2013                             to  12/31/2013       16.708603        20.566372       43,183.9980 
=============                            ==== ==========       =========        =========       =========== 
INVESCO V.I. GLOBAL REAL ESTATE SUB-ACCOUNT                                                                 
   06/01/2007                             to  12/31/2007       11.108669         9.616221          310.2565 
   01/01/2008                             to  12/31/2008        9.616221         5.238865        3,403.0265 
   01/01/2009                             to  12/31/2009        5.238865         6.769187        8,987.7500 
   01/01/2010                             to  12/31/2010        6.769187         7.821969        6,976.4558 
   01/01/2011                             to  12/31/2011        7.821969         7.190921        4,088.8241 
   01/01/2012                             to  12/31/2012        7.190921         9.060365       20,173.5383 
   01/01/2013                             to  12/31/2013        9.060365         9.147620       15,917.3536 
=============                            ==== ==========       =========        =========       =========== 
INVESCO V.I. GROWTH AND INCOME SUB-ACCOUNT (SERIES II)                                                      
 (FORMERLY INVESCO V.I. VAN KAMPEN GROWTH AND INCOME SUB-ACCOUNT (SERIES II) AND BEFORE THAT VAN            
 KAMPEN LIFE INVESTMENT TRUST - VAN KAMPEN LIT GROWTH AND INCOME SUB-ACCOUNT (CLASS II))                    
   06/01/2007                             to  12/31/2007       27.941315        25.849795        2,099.8935 
   01/01/2008                             to  12/31/2008       25.849795        17.270315        5,242.0942 
   01/01/2009                             to  12/31/2009       17.270315        21.125500        7,810.7900 
   01/01/2010                             to  12/31/2010       21.125500        23.360109        9,789.9832 
   01/01/2011                             to  12/31/2011       23.360109        22.503796       12,182.1806 
   01/01/2012                             to  12/31/2012       22.503796        25.360343       16,242.1488 
   01/01/2013                             to  12/31/2013       25.360343        33.435822       19,812.1357 
=============                            ==== ==========       =========        =========       =========== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                      1.45% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
INVESCO V.I. INTERNATIONAL GROWTH SUB-ACCOUNT (SERIES II)                         
  06/01/2007    to  12/31/2007       29.337603        29.498372          912.5231 
  01/01/2008    to  12/31/2008       29.498372        17.289505        4,282.3751 
  01/01/2009    to  12/31/2009       17.289505        22.989907        4,495.2400 
  01/01/2010    to  12/31/2010       22.989907        25.516127        7,685.6596 
  01/01/2011    to  12/31/2011       25.516127        23.391008        9,337.0271 
  01/01/2012    to  12/31/2012       23.391008        26.569247       12,926.9533 
  01/01/2013    to  12/31/2013       26.569247        31.088433       16,208.6890 
============   ==== ==========       =========        =========       =========== 
AMERICAN FUNDS INSURANCE SERIES (Reg. TM)                                         
AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS 2)                                         
  06/01/2007    to  12/31/2007       15.699580        15.770859            0.0000 
  01/01/2008    to  12/31/2008       15.770859        14.090191        3,311.2555 
  01/01/2009    to  12/31/2009       14.090191        15.637995        3,355.2000 
  01/01/2010    to  12/31/2010       15.637995        16.406209        9,198.2529 
  01/01/2011    to  12/31/2011       16.406209        17.157652       20,423.4456 
  01/01/2012    to  12/31/2012       17.157652        17.818041       23,690.4636 
  01/01/2013    to  12/31/2013       17.818041        17.182521       23,455.1260 
============   ==== ==========       =========        =========       =========== 
AMERICAN FUNDS GLOBAL GROWTH SUB-ACCOUNT (CLASS 2)                                
  06/01/2007    to  12/31/2007       28.397982        29.171066        1,460.1421 
  01/01/2008    to  12/31/2008       29.171066        17.712721        3,463.7591 
  01/01/2009    to  12/31/2009       17.712721        24.843194        3,783.8100 
  01/01/2010    to  12/31/2010       24.843194        27.361898        3,817.5421 
  01/01/2011    to  12/31/2011       27.361898        24.572313        4,808.7213 
  01/01/2012    to  12/31/2012       24.572313        29.680835        7,037.4763 
  01/01/2013    to  12/31/2013       29.680835        37.789311        9,333.6259 
============   ==== ==========       =========        =========       =========== 
AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION SUB-ACCOUNT (CLASS 2)                  
  06/01/2007    to  12/31/2007       34.861990        35.167439          593.8084 
  01/01/2008    to  12/31/2008       35.167439        16.108921        3,968.4144 
  01/01/2009    to  12/31/2009       16.108921        25.609244        6,973.9100 
  01/01/2010    to  12/31/2010       25.609244        30.898444        7,469.4119 
  01/01/2011    to  12/31/2011       30.898444        24.624013        6,400.4884 
  01/01/2012    to  12/31/2012       24.624013        28.679214        8,125.5847 
  01/01/2013    to  12/31/2013       28.679214        36.260014        7,964.8861 
============   ==== ==========       =========        =========       =========== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.45% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS 2)                                       
  06/01/2007    to  12/31/2007       175.184553       174.515152         336.4807 
  01/01/2008    to  12/31/2008       174.515152        96.365336       1,565.7262 
  01/01/2009    to  12/31/2009        96.365336       132.411099       1,747.8900 
  01/01/2010    to  12/31/2010       132.411099       154.886143       3,635.3581 
  01/01/2011    to  12/31/2011       154.886143       146.131949       7,855.3466 
  01/01/2012    to  12/31/2012       146.131949       169.784391       9,673.2459 
  01/01/2013    to  12/31/2013       169.784391       217.714625       8,911.2561 
============   ==== ==========       ==========       ==========      =========== 
AMERICAN FUNDS GROWTH-INCOME SUB-ACCOUNT (CLASS 2)                                
  06/01/2007    to  12/31/2007       124.212781       118.609587         532.7440 
  01/01/2008    to  12/31/2008       118.609587        72.651987         900.4125 
  01/01/2009    to  12/31/2009        72.651987        93.976807       1,777.8700 
  01/01/2010    to  12/31/2010        93.976807       103.208759       2,638.5604 
  01/01/2011    to  12/31/2011       103.208759        99.864573       5,286.5532 
  01/01/2012    to  12/31/2012        99.864573       115.626013       4,322.3386 
  01/01/2013    to  12/31/2013       115.626013       152.139809       3,950.4263 
============   ==== ==========       ==========       ==========      =========== 
FIDELITY (Reg. TM) VARIABLE INSURANCE PRODUCTS                                    
VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS)                              
  06/01/2007    to  12/31/2007        44.363797        47.153417         684.3281 
  01/01/2008    to  12/31/2008        47.153417        26.668165       2,841.9098 
  01/01/2009    to  12/31/2009        26.668165        35.658560       4,745.0000 
  01/01/2010    to  12/31/2010        35.658560        41.158553       5,928.3570 
  01/01/2011    to  12/31/2011        41.158553        39.497520       7,466.3304 
  01/01/2012    to  12/31/2012        39.497520        45.274337      10,925.8274 
  01/01/2013    to  12/31/2013        45.274337        58.520928      14,521.8197 
============   ==== ==========       ==========       ==========      =========== 
VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS 2)                            
  08/12/2013    to  12/31/2013         5.196231         5.728812      18,394.6660 
============   ==== ==========       ==========       ==========      =========== 
VIP MID CAP SUB-ACCOUNT (SERVICE CLASS 2)                                         
  06/01/2007    to  12/31/2007        40.499403        41.007349         524.3308 
  01/01/2008    to  12/31/2008        41.007349        24.407650       1,540.0447 
  01/01/2009    to  12/31/2009        24.407650        33.619266       1,393.6100 
  01/01/2010    to  12/31/2010        33.619266        42.603113       6,609.0188 
  01/01/2011    to  12/31/2011        42.603113        37.433785      10,697.4885 
  01/01/2012    to  12/31/2012        37.433785        42.264715      13,294.3338 
  01/01/2013    to  12/31/2013        42.264715        56.598659      15,461.4490 
============   ==== ==========       ==========       ==========      =========== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                      1.45% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST                              
FRANKLIN INCOME SECURITIES SUB-ACCOUNT (CLASS 2)                                  
  06/01/2007    to  12/31/2007       47.876544        45.824856            0.0000 
  01/01/2008    to  12/31/2008       45.824856        31.769230        2,214.1931 
  01/01/2009    to  12/31/2009       31.769230        42.457758        2,467.7800 
  01/01/2010    to  12/31/2010       42.457758        47.150092        3,364.0831 
  01/01/2011    to  12/31/2011       47.150092        47.580855       10,777.1188 
  01/01/2012    to  12/31/2012       47.580855        52.825586       13,401.6369 
  01/01/2013    to  12/31/2013       52.825586        59.323879       11,491.9646 
============   ==== ==========       =========        =========       =========== 
FRANKLIN SMALL CAP VALUE SECURITIES SUB-ACCOUNT (CLASS 2)                         
  06/01/2007    to  12/31/2007       10.246260         8.765903            0.0000 
  01/01/2008    to  12/31/2008        8.765903         5.786775        1,139.7671 
  01/01/2009    to  12/31/2009        5.786775         7.366390          598.3700 
  01/01/2010    to  12/31/2010        7.366390         9.309503        1,749.8993 
  01/01/2011    to  12/31/2011        9.309503         8.830722       10,502.9617 
  01/01/2012    to  12/31/2012        8.830722        10.303272       25,539.9266 
  01/01/2013    to  12/31/2013       10.303272        13.835040       26,378.7868 
============   ==== ==========       =========        =========       =========== 
MUTUAL SHARES SECURITIES SUB-ACCOUNT (CLASS 2)                                    
  06/01/2007    to  12/31/2007       25.964438        24.077291            0.0000 
  01/01/2008    to  12/31/2008       24.077291        14.923655          765.1709 
  01/01/2009    to  12/31/2009       14.923655        18.540252        1,782.4400 
  01/01/2010    to  12/31/2010       18.540252        20.319207        4,444.6293 
  01/01/2011    to  12/31/2011       20.319207        19.818607        6,740.7741 
  01/01/2012    to  12/31/2012       19.818607        22.314001       10,049.6229 
  01/01/2013    to  12/31/2013       22.314001        28.208377        9,375.8877 
============   ==== ==========       =========        =========       =========== 
TEMPLETON GLOBAL BOND SECURITIES SUB-ACCOUNT                                      
  06/01/2007    to  12/31/2007       12.138441        12.604229          564.9051 
  01/01/2008    to  12/31/2008       12.604229        13.193313        7,547.5283 
  01/01/2009    to  12/31/2009       13.193313        15.432789        7,971.7800 
  01/01/2010    to  12/31/2010       15.432789        17.408428       16,769.8510 
  01/01/2011    to  12/31/2011       17.408428        17.009028       25,680.8424 
  01/01/2012    to  12/31/2012       17.009028        19.288468       26,762.0355 
  01/01/2013    to  12/31/2013       19.288468        19.320531       31,840.3304 
============   ==== ==========       =========        =========       =========== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.45% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                      NUMBER OF    
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS      
                                   BEGINNING OF        END OF       OUTSTANDING AT 
                                      PERIOD           PERIOD       END OF PERIOD  
                                 ---------------  ---------------  --------------- 
                                                                                   
LEGG MASON PARTNERS VARIABLE EQUITY TRUST                                          
CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I)                       
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I))
  06/01/2007    to  12/31/2007       15.538704        14.651417          219.1382  
  01/01/2008    to  12/31/2008       14.651417         8.605150       13,291.0887  
  01/01/2009    to  12/31/2009        8.605150        11.413068       12,184.2300  
  01/01/2010    to  12/31/2010       11.413068        14.062270       11,487.7453  
  01/01/2011    to  12/31/2011       14.062270        14.202703        6,709.2443  
  01/01/2012    to  12/31/2012       14.202703        16.617968        8,988.7123  
  01/01/2013    to  12/31/2013       16.617968        24.204839       12,062.4245  
============   ==== ==========       =========        =========       ===========  
CLEARBRIDGE VARIABLE ALL CAP VALUE SUB-ACCOUNT (CLASS I)                           
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE FUNDAMENTAL ALL CAP VALUE SUB-ACCOUNT   
(CLASS I))                                                                         
  06/01/2007    to  12/31/2007       37.868272        35.156046          231.0721  
  01/01/2008    to  12/31/2008       35.156046        21.974745        6,402.7505  
  01/01/2009    to  12/31/2009       21.974745        28.016984        6,627.5400  
  01/01/2010    to  12/31/2010       28.016984        32.199039        7,454.6268  
  01/01/2011    to  12/31/2011       32.199039        29.770024        5,959.0038  
  01/01/2012    to  12/31/2012       29.770024        33.733974        4,618.1823  
  01/01/2013    to  12/31/2013       33.733974        43.943174        6,102.2462  
============   ==== ==========       =========        =========       ===========  
CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I)                            
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I))     
  06/01/2007    to  12/31/2007       33.628882        33.593008          885.9661  
  01/01/2008    to  12/31/2008       33.593008        23.402968        5,383.0584  
  01/01/2009    to  12/31/2009       23.402968        28.167347        7,513.6000  
  01/01/2010    to  12/31/2010       28.167347        31.267288        9,715.8589  
  01/01/2011    to  12/31/2011       31.267288        31.620639        7,401.3409  
  01/01/2012    to  12/31/2012       31.620639        36.133506        8,067.9323  
  01/01/2013    to  12/31/2013       36.133506        46.297865       10,193.5499  
============   ==== ==========       =========        =========       ===========  
CLEARBRIDGE VARIABLE EQUITY INCOME SUB-ACCOUNT (CLASS II)                          
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE EQUITY INCOME BUILDER SUB-ACCOUNT       
(CLASS II))                                                                        
  11/12/2007    to  12/31/2007       14.699075        15.005218            0.0000  
  01/01/2008    to  12/31/2008       15.005218         9.618572        1,003.2130  
  01/01/2009    to  12/31/2009        9.618572        11.625727        4,068.9700  
  01/01/2010    to  12/31/2010       11.625727        12.846880        4,010.2134  
  01/01/2011    to  12/31/2011       12.846880        13.638666        2,822.0112  
  01/01/2012    to  12/31/2012       13.638666        15.333481        6,325.1884  
  01/01/2013    to  12/31/2013       15.333481        18.994232        7,423.4141  
============   ==== ==========       =========        =========       ===========  

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                      1.45% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I)                       
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I))
  06/01/2007    to  12/31/2007       17.342529        17.035328           0.0000  
  01/01/2008    to  12/31/2008       17.035328         9.954303           0.0000  
  01/01/2009    to  12/31/2009        9.954303        14.007610           0.0000  
  01/01/2010    to  12/31/2010       14.007610        17.282918           0.0000  
  01/01/2011    to  12/31/2011       17.282918        17.270849         286.5695  
  01/01/2012    to  12/31/2012       17.270849        20.327788       1,190.0379  
  01/01/2013    to  12/31/2013       20.327788        29.462062       1,058.1098  
============   ==== ==========       =========        =========       ==========  
LEGG MASON VARIABLE LIFESTYLE ALLOCATION 50% SUB-ACCOUNT                          
  05/03/2010    to  12/31/2010       16.153025        17.084871           0.0000  
  01/01/2011    to  12/31/2011       17.084871        17.036867           0.0000  
  01/01/2012    to  12/31/2012       17.036867        18.989144       1,114.6900  
  01/01/2013    to  12/31/2013       18.989144        21.585760       1,110.3224  
============   ==== ==========       =========        =========       ==========  
LEGG MASON VARIABLE LIFESTYLE ALLOCATION 85% SUB-ACCOUNT                          
  06/01/2007    to  12/31/2007       16.470592        15.542827           0.0000  
  01/01/2008    to  12/31/2008       15.542827         9.586659           0.0000  
  01/01/2009    to  12/31/2009        9.586659        12.517257       3,423.6000  
  01/01/2010    to  12/31/2010       12.517257        14.273902       3,397.0049  
  01/01/2011    to  12/31/2011       14.273902        13.743934       2,436.5631  
  01/01/2012    to  12/31/2012       13.743934        15.697242       2,208.3252  
  01/01/2013    to  12/31/2013       15.697242        19.571019       2,065.8271  
============   ==== ==========       =========        =========       ==========  
LEGG MASON PARTNERS VARIABLE INCOME TRUST                                         
WESTERN ASSET VARIABLE GLOBAL HIGH YIELD BOND SUB-ACCOUNT (CLASS I)               
  06/01/2007    to  12/31/2007       17.314454        16.406135           0.0000  
  01/01/2008    to  12/31/2008       16.406135        11.185257       1,367.2203  
  01/01/2009    to  12/31/2009       11.185257        17.149050       3,076.3600  
  01/01/2010    to  12/31/2010       17.149050        19.424267       2,069.2673  
  01/01/2011    to  12/31/2011       19.424267        19.473127       5,437.8214  
  01/01/2012    to  12/31/2012       19.473127        22.708789       8,674.2565  
  01/01/2013    to  12/31/2013       22.708789        23.785249       8,884.8681  
============   ==== ==========       =========        =========       ==========  
MET INVESTORS SERIES TRUST                                                        
AMERICAN FUNDS (Reg. TM) GROWTH SUB-ACCOUNT (CLASS C)                             
  08/12/2013    to  12/31/2013       11.502113        12.793233       2,607.0285  
============   ==== ==========       =========        =========       ==========  
BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                        
  04/30/2012    to  12/31/2012       22.212415        23.886740       7,944.6206  
  01/01/2013    to  12/31/2013       23.886740        25.740253       5,157.5022  
============   ==== ==========       =========        =========       ==========  

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                   1.45% SEPARATE ACCOUNT PRODUCT CHARGES                                   
                                                                                                NUMBER OF   
                                                             ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                                            UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                                             BEGINNING OF        END OF       OUTSTANDING AT
                                                                PERIOD           PERIOD       END OF PERIOD 
                                                           ---------------  ---------------  ---------------
                                                                                                            
CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                         
 (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))                                  
   05/02/2011                             to  12/31/2011        8.444876         7.651917       13,494.2141 
   01/01/2012                             to  12/31/2012        7.651917         8.936922       13,245.1114 
   01/01/2013                             to  12/31/2013        8.936922        12.825067        9,510.6704 
=============                            ==== ==========       =========        =========       =========== 
CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                         
 (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT LEGG              
 MASON VALUE EQUITY SUB-ACCOUNT (CLASS B))                                                                  
   06/01/2007                             to  12/31/2007       12.023392        10.350163        3,250.5779 
   01/01/2008                             to  12/31/2008       10.350163         4.629451       17,151.9730 
   01/01/2009                             to  12/31/2009        4.629451         6.295313       17,012.9200 
   01/01/2010                             to  12/31/2010        6.295313         6.659839       16,343.5977 
   01/01/2011                             to  04/29/2011        6.659839         7.080322            0.0000 
=============                            ==== ==========       =========        =========       =========== 
HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                                          
   04/30/2012                             to  12/31/2012       18.502346        21.377120            0.0000 
   01/01/2013                             to  12/31/2013       21.377120        27.493506        1,443.5804 
=============                            ==== ==========       =========        =========       =========== 
INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                      
 (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B))                                                       
   05/04/2009                             to  12/31/2009        7.262865         9.071678       12,515.4100 
   01/01/2010                             to  12/31/2010        9.071678        10.271292       14,110.3011 
   01/01/2011                             to  12/31/2011       10.271292         9.975596       17,853.6342 
   01/01/2012                             to  12/31/2012        9.975596        11.652167       14,777.5975 
   01/01/2013                             to  12/31/2013       11.652167        15.549156       16,910.5322 
=============                            ==== ==========       =========        =========       =========== 
INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                      
 (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B) AND BEFORE THAT VAN KAMPEN LIFE INVESTMENT             
 TRUST - VAN KAMPEN LIT COMSTOCK SUB-ACCOUNT (CLASS II))                                                    
   06/01/2007                             to  12/31/2007       17.183011        15.329239          642.7731 
   01/01/2008                             to  12/31/2008       15.329239         9.698861        7,158.7661 
   01/01/2009                             to  05/01/2009        9.698861         9.411194            0.0000 
=============                            ==== ==========       =========        =========       =========== 
INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                                              
   06/01/2007                             to  12/31/2007       16.612604        15.981966            0.0000 
   01/01/2008                             to  12/31/2008       15.981966         9.650928          439.9275 
   01/01/2009                             to  12/31/2009        9.650928        12.728957        1,590.4900 
   01/01/2010                             to  12/31/2010       12.728957        15.830719        1,956.0395 
   01/01/2011                             to  12/31/2011       15.830719        15.434620        2,246.7125 
   01/01/2012                             to  12/31/2012       15.434620        17.984488        3,229.2490 
   01/01/2013                             to  12/31/2013       17.984488        24.847179        9,889.0315 
=============                            ==== ==========       =========        =========       =========== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.45% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                
  04/30/2012    to  12/31/2012       14.181484        14.561400            0.0000 
  01/01/2013    to  12/31/2013       14.561400        16.810021            0.0000 
============   ==== ==========       =========        =========       =========== 
MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                       
  06/01/2007    to  12/31/2007       11.720601        14.103889          674.4929 
  01/01/2008    to  12/31/2008       14.103889         6.181240          856.5054 
  01/01/2009    to  12/31/2009        6.181240        10.292728        6,254.8200 
  01/01/2010    to  12/31/2010       10.292728        12.544531       15,445.3737 
  01/01/2011    to  12/31/2011       12.544531        10.051656       19,550.8782 
  01/01/2012    to  12/31/2012       10.051656        11.778142       38,795.3663 
  01/01/2013    to  12/31/2013       11.778142        11.030360       41,918.4367 
============   ==== ==========       =========        =========       =========== 
MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                        
  06/01/2007    to  12/31/2007       17.524948        17.850942            0.0000 
  01/01/2008    to  12/31/2008       17.850942        10.139776          854.3040 
  01/01/2009    to  12/31/2009       10.139776        13.148474        1,874.3900 
  01/01/2010    to  12/31/2010       13.148474        14.437271        2,326.3921 
  01/01/2011    to  12/31/2011       14.437271        12.705236        2,703.7820 
  01/01/2012    to  12/31/2012       12.705236        14.613502        2,720.4679 
  01/01/2013    to  12/31/2013       14.613502        17.176851        3,135.1582 
============   ==== ==========       =========        =========       =========== 
MORGAN STANLEY MID CAP GROWTH SUB-ACCOUNT (CLASS B)                               
  06/01/2007    to  12/31/2007       12.392385        13.044636           71.3578 
  01/01/2008    to  12/31/2008       13.044636         6.845634        4,233.7977 
  01/01/2009    to  12/31/2009        6.845634        10.611317        7,353.8300 
  01/01/2010    to  12/31/2010       10.611317        13.814502        7,794.3255 
  01/01/2011    to  12/31/2011       13.814502        12.673547        6,200.2240 
  01/01/2012    to  12/31/2012       12.673547        13.649509       13,558.4624 
  01/01/2013    to  12/31/2013       13.649509        18.702994       13,750.5196 
============   ==== ==========       =========        =========       =========== 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                   
  06/01/2007    to  12/31/2007       20.974770        20.117396          156.8182 
  01/01/2008    to  12/31/2008       20.117396        11.785462          453.8827 
  01/01/2009    to  12/31/2009       11.785462        16.239084          694.9600 
  01/01/2010    to  12/31/2010       16.239084        18.554643          867.9144 
  01/01/2011    to  12/31/2011       18.554643        16.750899          895.0086 
  01/01/2012    to  12/31/2012       16.750899        20.004342          887.3145 
  01/01/2013    to  12/31/2013       20.004342        25.062239        6,787.7055 
============   ==== ==========       =========        =========       =========== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.45% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                   
 (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B))                            
  05/03/2010    to  12/31/2010        8.702901         9.108319            0.0000 
  01/01/2011    to  12/31/2011        9.108319         8.358299        3,673.7891 
  01/01/2012    to  12/31/2012        8.358299        10.067294       10,551.3433 
  01/01/2013    to  04/26/2013       10.067294        10.700888            0.0000 
============   ==== ==========       =========        =========       =========== 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                   
 (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT FRANKLIN    
TEMPLETON VARIABLE                                                                
 INSURANCE PRODUCTS TRUST - TEMPLETON GROWTH SECURITIES SUB-ACCOUNT (CLASS 2))    
  06/01/2007    to  12/31/2007       14.762971        13.908223          654.0949 
  01/01/2008    to  12/31/2008       13.908223         7.905825        1,250.0068 
  01/01/2009    to  12/31/2009        7.905825        10.215595        1,125.7500 
  01/01/2010    to  12/31/2010       10.215595        10.813119        4,104.7541 
  01/01/2011    to  04/29/2011       10.813119        12.062219            0.0000 
============   ==== ==========       =========        =========       =========== 
PIONEER FUND SUB-ACCOUNT (CLASS A)                                                
  06/01/2007    to  12/31/2007       21.412614        20.248286            0.0000 
  01/01/2008    to  12/31/2008       20.248286        13.403041        1,105.8154 
  01/01/2009    to  12/31/2009       13.403041        16.365358        2,344.0200 
  01/01/2010    to  12/31/2010       16.365358        18.746507        7,166.7508 
  01/01/2011    to  12/31/2011       18.746507        17.636973       10,164.1946 
  01/01/2012    to  12/31/2012       17.636973        19.222645       13,003.7326 
  01/01/2013    to  12/31/2013       19.222645        25.212665       14,962.5117 
============   ==== ==========       =========        =========       =========== 
PIONEER FUND SUB-ACCOUNT (CLASS B)                                                
  08/12/2013    to  12/31/2013       11.860119        12.956508        5,066.8194 
============   ==== ==========       =========        =========       =========== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS A)                                    
  06/01/2007    to  12/31/2007       19.051615        19.676635        3,644.6659 
  01/01/2008    to  12/31/2008       19.676635        17.309525       17,622.2592 
  01/01/2009    to  12/31/2009       17.309525        22.705358       20,438.4600 
  01/01/2010    to  12/31/2010       22.705358        25.103319       27,281.1634 
  01/01/2011    to  12/31/2011       25.103319        25.640772       31,679.7111 
  01/01/2012    to  12/31/2012       25.640772        28.207432       41,824.4891 
  01/01/2013    to  12/31/2013       28.207432        28.230853       46,951.3541 
============   ==== ==========       =========        =========       =========== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS B)                                    
  08/12/2013    to  12/31/2013        2.661063         2.688049        8,049.5673 
============   ==== ==========       =========        =========       =========== 
METROPOLITAN SERIES FUND                                                          
BLACKROCK BOND INCOME SUB-ACCOUNT (CLASS B)                                       
  04/30/2012    to  12/31/2012       55.584831        57.778696          865.5927 
  01/01/2013    to  12/31/2013       57.778696        56.373151          810.7920 
============   ==== ==========       =========        =========       =========== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                                   1.45% SEPARATE ACCOUNT PRODUCT CHARGES                                   
                                                                                                NUMBER OF   
                                                             ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                                            UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                                             BEGINNING OF        END OF       OUTSTANDING AT
                                                                PERIOD           PERIOD       END OF PERIOD 
                                                           ---------------  ---------------  ---------------
                                                                                                            
BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                        
 (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A))                                         
   05/04/2009                             to  12/31/2009        8.945619        11.277097            0.0000 
   01/01/2010                             to  12/31/2010       11.277097        13.317822            0.0000 
   01/01/2011                             to  12/31/2011       13.317822        11.952188            0.0000 
   01/01/2012                             to  12/31/2012       11.952188        13.472262            0.0000 
   01/01/2013                             to  12/31/2013       13.472262        17.822156            0.0000 
=============                            ==== ==========       =========        =========       =========== 
BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                        
 (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A) AND BEFORE THAT MET INVESTORS            
 SERIES TRUST - MET/AIM CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A))                                         
   06/01/2007                             to  12/31/2007       16.297613        16.200475            0.0000 
   01/01/2008                             to  12/31/2008       16.200475         9.158014          168.2550 
   01/01/2009                             to  05/01/2009        9.158014         8.708609            0.0000 
=============                            ==== ==========       =========        =========       =========== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                                                
   08/12/2013                             to  12/31/2013       22.045399        21.922264            0.0000 
=============                            ==== ==========       =========        =========       =========== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                
   05/03/2010                             to  12/31/2010       13.568555        13.438741        5,147.9448 
   01/01/2011                             to  12/31/2011       13.438741        13.245818        3,776.6468 
   01/01/2012                             to  12/31/2012       13.245818        13.054109          605.8320 
   01/01/2013                             to  12/31/2013       13.054109        12.866198          623.5301 
=============                            ==== ==========       =========        =========       =========== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                
 (FORMERLY LEGG MASON PARTNERS VARIABLE INCOME TRUST - LEGG MASON WESTERN ASSET VARIABLE MONEY              
 MARKET SUB-ACCOUNT)                                                                                        
   06/01/2007                             to  12/31/2007       13.389733        13.649218            0.0000 
   01/01/2008                             to  12/31/2008       13.649218        13.802538       25,287.6026 
   01/01/2009                             to  12/31/2009       13.802538        13.634278        4,048.8000 
   01/01/2010                             to  04/30/2010       13.634278        13.570172            0.0000 
=============                            ==== ==========       =========        =========       =========== 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                                       
   04/30/2012                             to  12/31/2012       14.312416        13.793628        4,779.6929 
   01/01/2013                             to  12/31/2013       13.793628        18.588902        4,291.4502 
=============                            ==== ==========       =========        =========       =========== 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                                       
 (FORMERLY OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B))                                          
   06/01/2007                             to  12/31/2007        9.961978        10.284845        1,040.9326 
   01/01/2008                             to  12/31/2008       10.284845         5.479682        4,709.5599 
   01/01/2009                             to  12/31/2009        5.479682         7.761099        4,522.5900 
   01/01/2010                             to  12/31/2010        7.761099         8.368220        4,306.0861 
   01/01/2011                             to  12/31/2011        8.368220         8.134137        5,733.2461 
   01/01/2012                             to  04/27/2012        8.134137         9.149388            0.0000 
=============                            ==== ==========       =========        =========       =========== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.45% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                    
  06/01/2007    to  12/31/2007       16.090590        16.485553            0.0000 
  01/01/2008    to  12/31/2008       16.485553        16.161150        7,707.3313 
  01/01/2009    to  12/31/2009       16.161150        16.578451       17,525.8700 
  01/01/2010    to  12/31/2010       16.578451        17.237304       19,769.9641 
  01/01/2011    to  12/31/2011       17.237304        17.884454       14,188.9157 
  01/01/2012    to  12/31/2012       17.884454        18.162855       17,131.9707 
  01/01/2013    to  12/31/2013       18.162855        17.739353       19,761.3507 
============   ==== ==========       =========        =========       =========== 
OPPENHEIMER VARIABLE ACCOUNT FUNDS                                                
OPPENHEIMER MAIN STREET SMALL CAP FUND (Reg. TM)/VA SUB-ACCOUNT (SERVICE SHARES)  
 (FORMERLY OPPENHEIMER MAIN STREET SMALL- & MID-CAP FUND (Reg. TM)/VA SUB-ACCOUNT 
(SERVICE SHARES))                                                                 
  07/13/2007    to  12/31/2007       19.540058        16.904262        1,621.0957 
  01/01/2008    to  12/31/2008       16.904262        10.328462        4,934.1371 
  01/01/2009    to  12/31/2009       10.328462        13.934362        4,687.9400 
  01/01/2010    to  12/31/2010       13.934362        16.900452        6,548.3429 
  01/01/2011    to  12/31/2011       16.900452        16.260712        6,585.5855 
  01/01/2012    to  12/31/2012       16.260712        18.857206        8,663.9471 
  01/01/2013    to  12/31/2013       18.857206        26.136092        7,387.9554 
============   ==== ==========       =========        =========       =========== 
PIONEER VARIABLE CONTRACTS TRUST                                                  
PIONEER VCT MID CAP VALUE SUB-ACCOUNT (CLASS II)                                  
  06/01/2007    to  12/31/2007       36.805095        33.296447            0.0000 
  01/01/2008    to  12/31/2008       33.296447        21.737318          269.1527 
  01/01/2009    to  12/31/2009       21.737318        26.836753          212.6200 
  01/01/2010    to  12/31/2010       26.836753        31.183477          157.2265 
  01/01/2011    to  12/31/2011       31.183477        28.940188          794.6538 
  01/01/2012    to  12/31/2012       28.940188        31.609192          667.5883 
  01/01/2013    to  12/31/2013       31.609192        41.358261        1,186.8576 
============   ==== ==========       =========        =========       =========== 
THE UNIVERSAL INSTITUTIONAL FUNDS, INC.                                           
UIF U.S. REAL ESTATE SUB-ACCOUNT (CLASS I)                                        
  06/01/2007    to  12/31/2007       59.713804        46.206513            0.0000 
  01/01/2008    to  12/31/2008       46.206513        28.280972        1,543.0406 
  01/01/2009    to  12/31/2009       28.280972        35.776906        1,336.8100 
  01/01/2010    to  12/31/2010       35.776906        45.827824        1,209.7117 
  01/01/2011    to  12/31/2011       45.827824        47.843497          887.6516 
  01/01/2012    to  12/31/2012       47.843497        54.618242        1,602.5237 
  01/01/2013    to  12/31/2013       54.618242        54.937603        1,330.6183 
============   ==== ==========       =========        =========       =========== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                                    1.50% SEPARATE ACCOUNT PRODUCT CHARGES                                     
                                                                                                  NUMBER OF    
                                                             ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                                            UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                                             BEGINNING OF        END OF        OUTSTANDING AT  
                                                                PERIOD           PERIOD         END OF PERIOD  
                                                           ---------------  ---------------  ------------------
                                                                                                               
AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS)                                                
INVESCO V.I. AMERICAN VALUE SUB-ACCOUNT (SERIES II)                                                            
 (FORMERLY INVESCO V.I. VAN KAMPEN AMERICAN VALUE FUND SUB-ACCOUNT (SERIES II) AND BEFORE THAT THE             
 UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF U.S. MID CAP VALUE SUB-ACCOUNT (CLASS II))               
   06/01/2007                             to  12/31/2007       11.685060        10.984276          47,116.1543 
   01/01/2008                             to  12/31/2008       10.984276         6.338311         255,906.9780 
   01/01/2009                             to  12/31/2009        6.338311         8.689076         452,585.9000 
   01/01/2010                             to  12/31/2010        8.689076        10.458488         753,078.0905 
   01/01/2011                             to  12/31/2011       10.458488        10.388246       1,266,611.8984 
   01/01/2012                             to  12/31/2012       10.388246        11.980125       1,602,250.9192 
   01/01/2013                             to  12/31/2013       11.980125        15.806478       1,714,169.0344 
=============                            ==== ==========       =========        =========       ============== 
INVESCO V.I. EQUITY AND INCOME SUB-ACCOUNT (SERIES II)                                                         
 (FORMERLY INVESCO V.I. VAN KAMPEN EQUITY AND INCOME SUB-ACCOUNT (SERIES II) AND BEFORE THAT THE               
 UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF EQUITY AND INCOME SUB-ACCOUNT (CLASS II))                
   06/01/2007                             to  12/31/2007       15.991975        15.229567       2,700,706.2411 
   01/01/2008                             to  12/31/2008       15.229567        11.599483       3,218,637.8266 
   01/01/2009                             to  12/31/2009       11.599483        13.996487       4,609,836.6200 
   01/01/2010                             to  12/31/2010       13.996487        15.447100       5,844,985.9366 
   01/01/2011                             to  12/31/2011       15.447100        15.019789       7,490,541.4534 
   01/01/2012                             to  12/31/2012       15.019789        16.627859       8,304,456.5151 
   01/01/2013                             to  12/31/2013       16.627859        20.456736       8,711,607.1597 
=============                            ==== ==========       =========        =========       ============== 
INVESCO V.I. GLOBAL REAL ESTATE SUB-ACCOUNT                                                                    
   06/01/2007                             to  12/31/2007       11.105873         9.610993          33,557.6113 
   01/01/2008                             to  12/31/2008        9.610993         5.233377         102,905.4990 
   01/01/2009                             to  12/31/2009        5.233377         6.758705         162,188.4200 
   01/01/2010                             to  12/31/2010        6.758705         7.805950         282,943.5392 
   01/01/2011                             to  12/31/2011        7.805950         7.172604         497,219.1652 
   01/01/2012                             to  12/31/2012        7.172604         9.032738         678,836.7679 
   01/01/2013                             to  12/31/2013        9.032738         9.115156         876,258.5274 
=============                            ==== ==========       =========        =========       ============== 
INVESCO V.I. GROWTH AND INCOME SUB-ACCOUNT (SERIES II)                                                         
 (FORMERLY INVESCO V.I. VAN KAMPEN GROWTH AND INCOME SUB-ACCOUNT (SERIES II) AND BEFORE THAT VAN               
 KAMPEN LIFE INVESTMENT TRUST - VAN KAMPEN LIT GROWTH AND INCOME SUB-ACCOUNT (CLASS II))                       
   06/01/2007                             to  12/31/2007       15.496513        14.332350         901,368.2449 
   01/01/2008                             to  12/31/2008       14.332350         9.570657       1,502,041.5173 
   01/01/2009                             to  12/31/2009        9.570657        11.701211       2,560,126.4000 
   01/01/2010                             to  12/31/2010       11.701211        12.932462       3,518,683.9710 
   01/01/2011                             to  12/31/2011       12.932462        12.452165       4,762,442.6179 
   01/01/2012                             to  12/31/2012       12.452165        14.025729       5,611,790.8612 
   01/01/2013                             to  12/31/2013       14.025729        18.482676       5,786,796.4606 
=============                            ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.50% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
INVESCO V.I. INTERNATIONAL GROWTH SUB-ACCOUNT (SERIES II)                            
  06/01/2007    to  12/31/2007       29.131907        29.283001          74,328.0478 
  01/01/2008    to  12/31/2008       29.283001        17.154630         391,037.7999 
  01/01/2009    to  12/31/2009       17.154630        22.799138         805,917.6300 
  01/01/2010    to  12/31/2010       22.799138        25.291732       1,258,774.3360 
  01/01/2011    to  12/31/2011       25.291732        23.173700       1,906,527.4457 
  01/01/2012    to  12/31/2012       23.173700        26.309161       2,393,525.3149 
  01/01/2013    to  12/31/2013       26.309161        30.768692       2,632,690.2180 
============   ==== ==========       =========        =========       ============== 
AMERICAN FUNDS INSURANCE SERIES (Reg. TM)                                            
AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS 2)                                            
  06/01/2007    to  12/31/2007       15.620612        15.686957          73,710.0820 
  01/01/2008    to  12/31/2008       15.686957        14.008187         376,159.6719 
  01/01/2009    to  12/31/2009       14.008187        15.539197         865,624.9400 
  01/01/2010    to  12/31/2010       15.539197        16.294392       1,304,424.3418 
  01/01/2011    to  12/31/2011       16.294392        17.032201       1,651,499.5613 
  01/01/2012    to  12/31/2012       17.032201        17.678853       1,907,512.1162 
  01/01/2013    to  12/31/2013       17.678853        17.039755       2,146,729.8411 
============   ==== ==========       =========        =========       ============== 
AMERICAN FUNDS GLOBAL GROWTH SUB-ACCOUNT (CLASS 2)                                   
  06/01/2007    to  12/31/2007       28.254422        29.015128         424,687.2766 
  01/01/2008    to  12/31/2008       29.015128        17.609165         787,542.1634 
  01/01/2009    to  12/31/2009       17.609165        24.685579       1,054,741.5400 
  01/01/2010    to  12/31/2010       24.685579        27.174697       1,347,501.6327 
  01/01/2011    to  12/31/2011       27.174697        24.391985       1,624,466.3872 
  01/01/2012    to  12/31/2012       24.391985        29.448187       1,870,908.3383 
  01/01/2013    to  12/31/2013       29.448187        37.474334       1,926,226.3822 
============   ==== ==========       =========        =========       ============== 
AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION SUB-ACCOUNT (CLASS 2)                     
  06/01/2007    to  12/31/2007       34.703961        34.997813          34,965.6485 
  01/01/2008    to  12/31/2008       34.997813        16.023138         230,040.2873 
  01/01/2009    to  12/31/2009       16.023138        25.460118         390,127.4800 
  01/01/2010    to  12/31/2010       25.460118        30.703147         529,585.9097 
  01/01/2011    to  12/31/2011       30.703147        24.456125         726,668.6583 
  01/01/2012    to  12/31/2012       24.456125        28.469336         851,258.5751 
  01/01/2013    to  12/31/2013       28.469336        35.976639         854,253.5686 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.50% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS 2)                                         
  06/01/2007    to  12/31/2007       173.153759       172.441755       169,394.0165 
  01/01/2008    to  12/31/2008       172.441755        95.172443       347,976.8550 
  01/01/2009    to  12/31/2009        95.172443       130.706488       560,224.6100 
  01/01/2010    to  12/31/2010       130.706488       152.815675       721,234.5594 
  01/01/2011    to  12/31/2011       152.815675       144.106404       848,626.8310 
  01/01/2012    to  12/31/2012       144.106404       167.346709       930,394.1179 
  01/01/2013    to  12/31/2013       167.346709       214.481339       919,156.5445 
============   ==== ==========       ==========       ==========     ============== 
AMERICAN FUNDS GROWTH-INCOME SUB-ACCOUNT (CLASS 2)                                  
  06/01/2007    to  12/31/2007       122.772952       117.200478       152,251.5616 
  01/01/2008    to  12/31/2008       117.200478        71.752703       245,720.6441 
  01/01/2009    to  12/31/2009        71.752703        92.767065       354,443.4500 
  01/01/2010    to  12/31/2010        92.767065       101.829179       441,152.6994 
  01/01/2011    to  12/31/2011       101.829179        98.480424       504,589.5690 
  01/01/2012    to  12/31/2012        98.480424       113.965999       532,773.5138 
  01/01/2013    to  12/31/2013       113.965999       149.880499       522,232.5149 
============   ==== ==========       ==========       ==========     ============== 
FIDELITY (Reg. TM) VARIABLE INSURANCE PRODUCTS                                      
VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS)                                
  06/01/2007    to  12/31/2007        44.089264        46.847957        33,117.4963 
  01/01/2008    to  12/31/2008        46.847957        26.482056       267,233.8791 
  01/01/2009    to  12/31/2009        26.482056        35.391967       567,109.6600 
  01/01/2010    to  12/31/2010        35.391967        40.830398       866,249.3932 
  01/01/2011    to  12/31/2011        40.830398        39.163012     1,217,905.1533 
  01/01/2012    to  12/31/2012        39.163012        44.868303     1,543,781.8661 
  01/01/2013    to  12/31/2013        44.868303        57.967058     1,591,061.9031 
============   ==== ==========       ==========       ==========     ============== 
VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS 2)                              
  08/12/2013    to  12/31/2013         5.147976         5.674513       725,609.1625 
============   ==== ==========       ==========       ==========     ============== 
VIP MID CAP SUB-ACCOUNT (SERVICE CLASS 2)                                           
  06/01/2007    to  12/31/2007        40.329047        40.822935       184,796.9702 
  01/01/2008    to  12/31/2008        40.822935        24.285647       422,245.3471 
  01/01/2009    to  12/31/2009        24.285647        33.434468       806,265.1100 
  01/01/2010    to  12/31/2010        33.434468        42.347733     1,196,494.8013 
  01/01/2011    to  12/31/2011        42.347733        37.190772     1,802,577.9496 
  01/01/2012    to  12/31/2012        37.190772        41.969196     2,241,258.2685 
  01/01/2013    to  12/31/2013        41.969196        56.174780     2,303,183.2210 
============   ==== ==========       ==========       ==========     ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.50% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST                                
FRANKLIN INCOME SECURITIES SUB-ACCOUNT (CLASS 2)                                    
  06/01/2007    to  12/31/2007       47.435640        45.389592        439,726.9453 
  01/01/2008    to  12/31/2008       45.389592        31.451639        547,864.3760 
  01/01/2009    to  12/31/2009       31.451639        42.012274        729,628.6800 
  01/01/2010    to  12/31/2010       42.012274        46.632018        910,589.9999 
  01/01/2011    to  12/31/2011       46.632018        47.034525      1,042,790.4432 
  01/01/2012    to  12/31/2012       47.034525        52.192739      1,150,817.7540 
  01/01/2013    to  12/31/2013       52.192739        58.583826      1,204,880.7799 
============   ==== ==========       =========        =========      ============== 
FRANKLIN SMALL CAP VALUE SECURITIES SUB-ACCOUNT (CLASS 2)                           
  06/01/2007    to  12/31/2007       10.246107         8.763209         57,883.7742 
  01/01/2008    to  12/31/2008        8.763209         5.782082        202,797.0287 
  01/01/2009    to  12/31/2009        5.782082         7.356725        494,336.3200 
  01/01/2010    to  12/31/2010        7.356725         9.292637        819,420.4662 
  01/01/2011    to  12/31/2011        9.292637         8.810314      1,445,557.6806 
  01/01/2012    to  12/31/2012        8.810314        10.274286      2,201,079.3063 
  01/01/2013    to  12/31/2013       10.274286        13.789211      2,373,231.5776 
============   ==== ==========       =========        =========      ============== 
MUTUAL SHARES SECURITIES SUB-ACCOUNT (CLASS 2)                                      
  06/01/2007    to  12/31/2007       25.827453        23.943267        630,107.5257 
  01/01/2008    to  12/31/2008       23.943267        14.833109        820,093.2822 
  01/01/2009    to  12/31/2009       14.833109        18.418533      1,144,021.9300 
  01/01/2010    to  12/31/2010       18.418533        20.175704      1,382,919.2240 
  01/01/2011    to  12/31/2011       20.175704        19.668797      1,548,417.9474 
  01/01/2012    to  12/31/2012       19.668797        22.134178      1,590,494.0297 
  01/01/2013    to  12/31/2013       22.134178        27.967044      1,528,375.1006 
============   ==== ==========       =========        =========      ============== 
TEMPLETON GLOBAL BOND SECURITIES SUB-ACCOUNT                                        
  06/01/2007    to  12/31/2007       12.087570        12.547746         54,976.2981 
  01/01/2008    to  12/31/2008       12.547746        13.127592        302,522.1659 
  01/01/2009    to  12/31/2009       13.127592        15.348221        685,891.4000 
  01/01/2010    to  12/31/2010       15.348221        17.304367      1,251,882.7727 
  01/01/2011    to  12/31/2011       17.304367        16.898904      2,145,674.9741 
  01/01/2012    to  12/31/2012       16.898904        19.153935      2,912,848.6033 
  01/01/2013    to  12/31/2013       19.153935        19.176162      3,416,673.6077 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.50% SEPARATE ACCOUNT PRODUCT CHARGES                          
                                                                        NUMBER OF       
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION     
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS         
                                   BEGINNING OF        END OF         OUTSTANDING AT    
                                      PERIOD           PERIOD         END OF PERIOD     
                                 ---------------  ---------------  -------------------  
                                                                                        
LEGG MASON PARTNERS VARIABLE EQUITY TRUST                                               
CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I)                            
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I))     
  06/01/2007    to  12/31/2007       14.446146        13.617269        2,128,036.2476   
  01/01/2008    to  12/31/2008       13.617269         7.993738        2,363,710.9257   
  01/01/2009    to  12/31/2009        7.993738        10.596835        2,607,042.4000   
  01/01/2010    to  12/31/2010       10.596835        13.050039        2,801,777.2686   
  01/01/2011    to  12/31/2011       13.050039        13.173773        3,078,813.7559   
  01/01/2012    to  12/31/2012       13.173773        15.406299        3,219,195.0710   
  01/01/2013    to  12/31/2013       15.406299        22.428756        3,432,106.5582   
============   ==== ==========       =========        =========        ==============   
CLEARBRIDGE VARIABLE ALL CAP VALUE SUB-ACCOUNT (CLASS I)                                
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE FUNDAMENTAL ALL CAP VALUE SUB-ACCOUNT        
(CLASS I))                                                                              
  06/01/2007    to  12/31/2007       37.774716        35.058950          691,438.9220   
  01/01/2008    to  12/31/2008       35.058950        21.903014          754,612.0832   
  01/01/2009    to  12/31/2009       21.903014        27.911532          823,740.3200   
  01/01/2010    to  12/31/2010       27.911532        32.061790          894,325.9675   
  01/01/2011    to  12/31/2011       32.061790        29.628299          939,662.3568   
  01/01/2012    to  12/31/2012       29.628299        33.556473          896,966.1452   
  01/01/2013    to  12/31/2013       33.556473        43.690070          859,004.8650   
============   ==== ==========       =========        =========        ==============   
CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I)                                 
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I))          
  06/01/2007    to  12/31/2007       33.754839        33.708989          654,054.5286   
  01/01/2008    to  12/31/2008       33.708989        23.471944          758,215.7347   
  01/01/2009    to  12/31/2009       23.471944        28.236210        1,103,363.7300   
  01/01/2010    to  12/31/2010       28.236210        31.328039        1,519,379.6880   
  01/01/2011    to  12/31/2011       31.328039        31.666239        1,982,321.3644   
  01/01/2012    to  12/31/2012       31.666239        36.167396        2,244,477.1105   
  01/01/2013    to  12/31/2013       36.167396        46.318086        2,440,445.6668   
============   ==== ==========       =========        =========        ==============   
CLEARBRIDGE VARIABLE EQUITY INCOME SUB-ACCOUNT (CLASS II)                               
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE EQUITY INCOME BUILDER SUB-ACCOUNT (CLASS II))
  11/12/2007    to  12/31/2007       14.661516        14.965870          178,999.6648   
  01/01/2008    to  12/31/2008       14.965870         9.588519          409,674.6433   
  01/01/2009    to  12/31/2009        9.588519        11.583598          815,464.0600   
  01/01/2010    to  12/31/2010       11.583598        12.793918        1,116,200.6179   
  01/01/2011    to  12/31/2011       12.793918        13.575652        1,519,847.6946   
  01/01/2012    to  12/31/2012       13.575652        15.254952        2,053,229.2963   
  01/01/2013    to  12/31/2013       15.254952        18.887492        2,493,586.8612   
============   ==== ==========       =========        =========        ==============   

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.50% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I)                          
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I))   
  06/01/2007    to  12/31/2007       14.673620        14.409486          71,717.4425 
  01/01/2008    to  12/31/2008       14.409486         8.415694         155,048.4932 
  01/01/2009    to  12/31/2009        8.415694        11.836558         312,136.5500 
  01/01/2010    to  12/31/2010       11.836558        14.596914         449,281.5538 
  01/01/2011    to  12/31/2011       14.596914        14.579426         605,314.5437 
  01/01/2012    to  12/31/2012       14.579426        17.151342         876,505.2267 
  01/01/2013    to  12/31/2013       17.151342        24.845843       1,042,836.5034 
============   ==== ==========       =========        =========       ============== 
LEGG MASON VARIABLE LIFESTYLE ALLOCATION 50% SUB-ACCOUNT                             
  05/03/2010    to  12/31/2010       16.046143        16.966186         207,846.3981 
  01/01/2011    to  12/31/2011       16.966186        16.910059         354,939.0241 
  01/01/2012    to  12/31/2012       16.910059        18.838314         445,466.8835 
  01/01/2013    to  12/31/2013       18.838314        21.403579         500,554.3271 
============   ==== ==========       =========        =========       ============== 
LEGG MASON VARIABLE LIFESTYLE ALLOCATION 85% SUB-ACCOUNT                             
  06/01/2007    to  12/31/2007       16.385746        15.458245         216,103.7206 
  01/01/2008    to  12/31/2008       15.458245         9.529688         721,004.0867 
  01/01/2009    to  12/31/2009        9.529688        12.436637       1,092,468.8600 
  01/01/2010    to  12/31/2010       12.436637        14.174869       1,277,213.9188 
  01/01/2011    to  12/31/2011       14.174869        13.641752       1,419,336.3267 
  01/01/2012    to  12/31/2012       13.641752        15.572693       1,572,113.4774 
  01/01/2013    to  12/31/2013       15.572693        19.406012       1,541,549.1324 
============   ==== ==========       =========        =========       ============== 
LEGG MASON PARTNERS VARIABLE INCOME TRUST                                            
WESTERN ASSET VARIABLE GLOBAL HIGH YIELD BOND SUB-ACCOUNT (CLASS I)                  
  06/01/2007    to  12/31/2007       17.235934        16.326966         492,150.9948 
  01/01/2008    to  12/31/2008       16.326966        11.125682         464,594.9963 
  01/01/2009    to  12/31/2009       11.125682        17.049176         508,386.9400 
  01/01/2010    to  12/31/2010       17.049176        19.301473         609,062.1339 
  01/01/2011    to  12/31/2011       19.301473        19.340355         746,857.2868 
  01/01/2012    to  12/31/2012       19.340355        22.542599         894,934.9428 
  01/01/2013    to  12/31/2013       22.542599        23.599352       1,028,276.7526 
============   ==== ==========       =========        =========       ============== 
MET INVESTORS SERIES TRUST                                                           
AMERICAN FUNDS (Reg. TM) GROWTH SUB-ACCOUNT (CLASS C)                                
  08/12/2013    to  12/31/2013       11.471569        12.756792       1,694,245.0337 
============   ==== ==========       =========        =========       ============== 
BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                           
  04/30/2012    to  12/31/2012       22.038621        23.691878         425,421.9648 
  01/01/2013    to  12/31/2013       23.691878        25.517482         550,674.6322 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                     1.50% SEPARATE ACCOUNT PRODUCT CHARGES                                     
                                                                                                  NUMBER OF     
                                                             ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                                            UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                                             BEGINNING OF        END OF         OUTSTANDING AT  
                                                                PERIOD           PERIOD         END OF PERIOD   
                                                           ---------------  ---------------  -------------------
                                                                                                                
CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                             
 (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))                                      
   05/02/2011                             to  12/31/2011        8.419433         7.626325        2,140,375.6815 
   01/01/2012                             to  12/31/2012        7.626325         8.902546        1,982,488.0006 
   01/01/2013                             to  12/31/2013        8.902546        12.769341        1,906,017.3686 
=============                            ==== ==========       =========        =========        ============== 
CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                             
 (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT LEGG                  
 MASON VALUE EQUITY SUB-ACCOUNT (CLASS B))                                                                      
   06/01/2007                             to  12/31/2007       12.013875        10.338948          343,368.8306 
   01/01/2008                             to  12/31/2008       10.338948         4.622100        1,172,425.6819 
   01/01/2009                             to  12/31/2009        4.622100         6.282167        1,548,555.4900 
   01/01/2010                             to  12/31/2010        6.282167         6.642605        1,716,221.8393 
   01/01/2011                             to  04/29/2011        6.642605         7.060846                0.0000 
=============                            ==== ==========       =========        =========        ============== 
HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                                              
   04/30/2012                             to  12/31/2012       18.435084        21.292247          951,824.8678 
   01/01/2013                             to  12/31/2013       21.292247        27.370640        1,076,194.8016 
=============                            ==== ==========       =========        =========        ============== 
INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                          
 (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B))                                                           
   05/04/2009                             to  12/31/2009        7.248246         9.050430        2,906,668.4200 
   01/01/2010                             to  12/31/2010        9.050430        10.242106        3,428,373.7229 
   01/01/2011                             to  12/31/2011       10.242106         9.942277        3,869,390.2064 
   01/01/2012                             to  12/31/2012        9.942277        11.607402        3,894,963.3888 
   01/01/2013                             to  12/31/2013       11.607402        15.481667        4,014,908.3476 
=============                            ==== ==========       =========        =========        ============== 
INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                          
 (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B) AND BEFORE THAT VAN KAMPEN LIFE INVESTMENT                 
 TRUST - VAN KAMPEN LIT COMSTOCK SUB-ACCOUNT (CLASS II))                                                        
   06/01/2007                             to  12/31/2007       16.696825        14.891154        1,300,816.8174 
   01/01/2008                             to  12/31/2008       14.891154         9.416936        1,594,351.7490 
   01/01/2009                             to  05/01/2009        9.416936         9.136104                0.0000 
=============                            ==== ==========       =========        =========        ============== 
INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                                                  
   06/01/2007                             to  12/31/2007       16.591667        15.957165          712,915.0942 
   01/01/2008                             to  12/31/2008       15.957165         9.631096          686,333.4262 
   01/01/2009                             to  12/31/2009        9.631096        12.696435          725,972.8200 
   01/01/2010                             to  12/31/2010       12.696435        15.782371          733,793.5089 
   01/01/2011                             to  12/31/2011       15.782371        15.379785        1,022,953.0961 
   01/01/2012                             to  12/31/2012       15.379785        17.911571        1,116,176.2466 
   01/01/2013                             to  12/31/2013       17.911571        24.734051        1,132,081.2091 
=============                            ==== ==========       =========        =========        ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.50% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                  
  04/30/2012    to  12/31/2012       14.138828        14.512719        384,412.7379 
  01/01/2013    to  12/31/2013       14.512719        16.745433        377,474.5358 
============   ==== ==========       =========        =========      ============== 
MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                         
  06/01/2007    to  12/31/2007       11.714194        14.092068        222,274.4968 
  01/01/2008    to  12/31/2008       14.092068         6.172943        573,951.4555 
  01/01/2009    to  12/31/2009        6.172943        10.273766      1,124,457.4500 
  01/01/2010    to  12/31/2010       10.273766        12.515157      1,824,961.8202 
  01/01/2011    to  12/31/2011       12.515157        10.023099      2,738,699.0357 
  01/01/2012    to  12/31/2012       10.023099        11.738767      3,276,569.2968 
  01/01/2013    to  12/31/2013       11.738767        10.987975      3,911,801.6936 
============   ==== ==========       =========        =========      ============== 
MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                          
  06/01/2007    to  12/31/2007       17.506936        17.827392        981,756.7932 
  01/01/2008    to  12/31/2008       17.827392        10.121297      1,102,778.8241 
  01/01/2009    to  12/31/2009       10.121297        13.117935      1,248,072.5200 
  01/01/2010    to  12/31/2010       13.117935        14.396532      1,361,449.3782 
  01/01/2011    to  12/31/2011       14.396532        12.663042      1,432,480.6677 
  01/01/2012    to  12/31/2012       12.663042        14.557637      1,455,475.4558 
  01/01/2013    to  12/31/2013       14.557637        17.102618      1,409,196.6028 
============   ==== ==========       =========        =========      ============== 
MORGAN STANLEY MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                 
  06/01/2007    to  12/31/2007       12.353413        12.999819         80,600.8571 
  01/01/2008    to  12/31/2008       12.999819         6.818674        371,606.3231 
  01/01/2009    to  12/31/2009        6.818674        10.564235        789,898.2700 
  01/01/2010    to  12/31/2010       10.564235        13.746326      1,088,751.5032 
  01/01/2011    to  12/31/2011       13.746326        12.604693      1,787,586.4351 
  01/01/2012    to  12/31/2012       12.604693        13.568514      2,842,202.4656 
  01/01/2013    to  12/31/2013       13.568514        18.582707      3,129,453.7706 
============   ==== ==========       =========        =========      ============== 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                     
  06/01/2007    to  12/31/2007       20.867510        20.008676        125,791.6470 
  01/01/2008    to  12/31/2008       20.008676        11.715866        161,990.0578 
  01/01/2009    to  12/31/2009       11.715866        16.135099        164,440.7400 
  01/01/2010    to  12/31/2010       16.135099        18.426604        154,110.6685 
  01/01/2011    to  12/31/2011       18.426604        16.626982        140,264.7059 
  01/01/2012    to  12/31/2012       16.626982        19.846361        121,723.2208 
  01/01/2013    to  12/31/2013       19.846361        24.851865        842,910.9411 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.50% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                      
 (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B))                               
  05/03/2010    to  12/31/2010       13.612355        14.241746          58,815.3887 
  01/01/2011    to  12/31/2011       14.241746        13.062475         702,783.3076 
  01/01/2012    to  12/31/2012       13.062475        15.725398         782,697.7006 
  01/01/2013    to  04/26/2013       15.725398        16.712427               0.0000 
============   ==== ==========       =========        =========       ============== 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                      
 (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT FRANKLIN       
TEMPLETON VARIABLE                                                                   
 INSURANCE PRODUCTS TRUST - TEMPLETON GROWTH SECURITIES SUB-ACCOUNT (CLASS 2))       
  06/01/2007    to  12/31/2007       19.999806        18.836352         449,253.2704 
  01/01/2008    to  12/31/2008       18.836352        10.701719         596,545.0521 
  01/01/2009    to  12/31/2009       10.701719        13.821411         810,857.3700 
  01/01/2010    to  12/31/2010       13.821411        14.622522         832,841.9252 
  01/01/2011    to  04/29/2011       14.622522        16.309009               0.0000 
============   ==== ==========       =========        =========       ============== 
PIONEER FUND SUB-ACCOUNT (CLASS A)                                                   
  06/01/2007    to  12/31/2007       21.270403        20.107934         107,741.5402 
  01/01/2008    to  12/31/2008       20.107934        13.303436         301,094.5251 
  01/01/2009    to  12/31/2009       13.303436        16.235598         906,565.2000 
  01/01/2010    to  12/31/2010       16.235598        18.588559       1,579,229.6415 
  01/01/2011    to  12/31/2011       18.588559        17.479626       2,417,545.9157 
  01/01/2012    to  12/31/2012       17.479626        19.041558       3,075,981.8233 
  01/01/2013    to  12/31/2013       19.041558        24.962646       3,096,551.8472 
============   ==== ==========       =========        =========       ============== 
PIONEER FUND SUB-ACCOUNT (CLASS B)                                                   
  08/12/2013    to  12/31/2013       22.517117        24.593916         115,487.0413 
============   ==== ==========       =========        =========       ============== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS A)                                       
  06/01/2007    to  12/31/2007       19.307089        19.934673       1,126,454.2201 
  01/01/2008    to  12/31/2008       19.934673        17.527708       1,721,868.9017 
  01/01/2009    to  12/31/2009       17.527708        22.980047       2,720,519.5100 
  01/01/2010    to  12/31/2010       22.980047        25.394296       3,866,966.6869 
  01/01/2011    to  12/31/2011       25.394296        25.925019       5,224,065.0824 
  01/01/2012    to  12/31/2012       25.925019        28.505772       6,402,421.7800 
  01/01/2013    to  12/31/2013       28.505772        28.515147       7,260,952.6022 
============   ==== ==========       =========        =========       ============== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS B)                                       
  08/12/2013    to  12/31/2013        2.635627         2.661839       2,128,613.3682 
============   ==== ==========       =========        =========       ============== 
METROPOLITAN SERIES FUND                                                             
BLACKROCK BOND INCOME SUB-ACCOUNT (CLASS B)                                          
  04/30/2012    to  12/31/2012       54.791234        56.934628          27,270.1443 
  01/01/2013    to  12/31/2013       56.934628        55.521781          50,671.7483 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                                    1.50% SEPARATE ACCOUNT PRODUCT CHARGES                                     
                                                                                                  NUMBER OF    
                                                             ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                                            UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                                             BEGINNING OF        END OF        OUTSTANDING AT  
                                                                PERIOD           PERIOD         END OF PERIOD  
                                                           ---------------  ---------------  ------------------
                                                                                                               
BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                           
 (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A))                                            
   05/04/2009                             to  12/31/2009       10.476109        13.202115          60,546.7600 
   01/01/2010                             to  12/31/2010       13.202115        15.583393          55,023.3090 
   01/01/2011                             to  12/31/2011       15.583393        13.978448          46,824.6923 
   01/01/2012                             to  12/31/2012       13.978448        15.748288          36,491.0906 
   01/01/2013                             to  12/31/2013       15.748288        20.822627          37,607.4297 
=============                            ==== ==========       =========        =========       ============== 
BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                           
 (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A) AND BEFORE THAT MET INVESTORS               
 SERIES TRUST - MET/AIM CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A))                                            
   06/01/2007                             to  12/31/2007       16.202871        16.101595          32,950.9010 
   01/01/2008                             to  12/31/2008       16.101595         9.097531          50,625.9949 
   01/01/2009                             to  05/01/2009        9.097531         8.649652               0.0000 
=============                            ==== ==========       =========        =========       ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                                                   
   08/12/2013                             to  12/31/2013       10.094501        10.036175       1,222,437.7857 
=============                            ==== ==========       =========        =========       ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                   
   05/03/2010                             to  12/31/2010       13.529192        13.395302       1,056,588.1683 
   01/01/2011                             to  12/31/2011       13.395302        13.196406       1,224,035.3301 
   01/01/2012                             to  12/31/2012       13.196406        12.998860       1,153,558.0897 
   01/01/2013                             to  12/31/2013       12.998860        12.805324         957,867.7806 
=============                            ==== ==========       =========        =========       ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                   
 (FORMERLY LEGG MASON PARTNERS VARIABLE INCOME TRUST - LEGG MASON WESTERN ASSET VARIABLE MONEY                 
 MARKET SUB-ACCOUNT)                                                                                           
   06/01/2007                             to  12/31/2007       13.370454        13.625588       1,027,462.5952 
   01/01/2008                             to  12/31/2008       13.625588        13.771720       1,645,786.4151 
   01/01/2009                             to  12/31/2009       13.771720        13.597020       1,183,740.8700 
   01/01/2010                             to  04/30/2010       13.597020        13.530860               0.0000 
=============                            ==== ==========       =========        =========       ============== 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                                          
   04/30/2012                             to  12/31/2012       14.255125        13.733793       1,922,764.7277 
   01/01/2013                             to  12/31/2013       13.733793        18.498998       1,760,857.6136 
=============                            ==== ==========       =========        =========       ============== 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                                          
 (FORMERLY OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B))                                             
   06/01/2007                             to  12/31/2007        9.951851        10.271393       2,041,909.8369 
   01/01/2008                             to  12/31/2008       10.271393         5.469755       2,032,539.1654 
   01/01/2009                             to  12/31/2009        5.469755         7.743159       1,892,876.1200 
   01/01/2010                             to  12/31/2010        7.743159         8.344698       1,839,185.2455 
   01/01/2011                             to  12/31/2011        8.344698         8.107217       1,754,395.1770 
   01/01/2012                             to  04/27/2012        8.107217         9.117621               0.0000 
=============                            ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.50% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                      
  06/01/2007    to  12/31/2007       15.989609        16.377312        269,307.2655 
  01/01/2008    to  12/31/2008       16.377312        16.046974        536,344.0675 
  01/01/2009    to  12/31/2009       16.046974        16.453082        923,869.7500 
  01/01/2010    to  12/31/2010       16.453082        17.098382      1,416,325.5878 
  01/01/2011    to  12/31/2011       17.098382        17.731455      1,981,975.4953 
  01/01/2012    to  12/31/2012       17.731455        17.998404      2,258,609.0782 
  01/01/2013    to  12/31/2013       17.998404        17.569928      2,437,176.0147 
============   ==== ==========       =========        =========      ============== 
OPPENHEIMER VARIABLE ACCOUNT FUNDS                                                  
OPPENHEIMER MAIN STREET SMALL CAP FUND (Reg. TM)/VA SUB-ACCOUNT (SERVICE SHARES)    
 (FORMERLY OPPENHEIMER MAIN STREET SMALL- & MID-CAP FUND (Reg. TM)/VA SUB-ACCOUNT   
(SERVICE SHARES))                                                                   
  07/13/2007    to  12/31/2007       19.481583        16.849721         93,288.6996 
  01/01/2008    to  12/31/2008       16.849721        10.289949        447,608.7535 
  01/01/2009    to  12/31/2009       10.289949        13.875444        899,262.1800 
  01/01/2010    to  12/31/2010       13.875444        16.820570      1,211,771.9544 
  01/01/2011    to  12/31/2011       16.820570        16.175760      1,467,443.3584 
  01/01/2012    to  12/31/2012       16.175760        18.749243      1,492,657.6240 
  01/01/2013    to  12/31/2013       18.749243        25.973451      1,390,348.1760 
============   ==== ==========       =========        =========      ============== 
PIONEER VARIABLE CONTRACTS TRUST                                                    
PIONEER VCT MID CAP VALUE SUB-ACCOUNT (CLASS II)                                    
  06/01/2007    to  12/31/2007       36.580105        33.083240        157,281.3772 
  01/01/2008    to  12/31/2008       33.083240        21.587248        241,423.7534 
  01/01/2009    to  12/31/2009       21.587248        26.638121        310,004.8200 
  01/01/2010    to  12/31/2010       26.638121        30.937182        365,965.1989 
  01/01/2011    to  12/31/2011       30.937182        28.697248        444,936.0481 
  01/01/2012    to  12/31/2012       28.697248        31.328060        485,835.5126 
  01/01/2013    to  12/31/2013       31.328060        40.969898        470,534.8767 
============   ==== ==========       =========        =========      ============== 
THE UNIVERSAL INSTITUTIONAL FUNDS, INC.                                             
UIF U.S. REAL ESTATE SUB-ACCOUNT (CLASS I)                                          
  06/01/2007    to  12/31/2007       31.886672        24.666676        481,513.9527 
  01/01/2008    to  12/31/2008       24.666676        15.089759        569,118.0022 
  01/01/2009    to  12/31/2009       15.089759        19.079756        687,918.5200 
  01/01/2010    to  12/31/2010       19.079756        24.427670        676,191.2161 
  01/01/2011    to  12/31/2011       24.427670        25.489341        768,548.9176 
  01/01/2012    to  12/31/2012       25.489341        29.084038        821,608.1489 
  01/01/2013    to  12/31/2013       29.084038        29.239437        897,618.8314 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                                   1.60% SEPARATE ACCOUNT PRODUCT CHARGES                                   
                                                                                                NUMBER OF   
                                                             ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                                            UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                                             BEGINNING OF        END OF       OUTSTANDING AT
                                                                PERIOD           PERIOD       END OF PERIOD 
                                                           ---------------  ---------------  ---------------
                                                                                                            
AIM VARIABLE INSURANCE FUNDS (INVESCO VARIABLE INSURANCE FUNDS)                                             
INVESCO V.I. AMERICAN VALUE SUB-ACCOUNT (SERIES II)                                                         
 (FORMERLY INVESCO V.I. VAN KAMPEN AMERICAN VALUE FUND SUB-ACCOUNT (SERIES II) AND BEFORE THAT THE          
 UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF U.S. MID CAP VALUE SUB-ACCOUNT (CLASS II))            
   06/01/2007                             to  12/31/2007       11.679113        10.972277        6,195.8623 
   01/01/2008                             to  12/31/2008       10.972277         6.325023       27,966.5601 
   01/01/2009                             to  12/31/2009        6.325023         8.662198       35,242.2200 
   01/01/2010                             to  12/31/2010        8.662198        10.415731       45,778.8061 
   01/01/2011                             to  12/31/2011       10.415731        10.335456       80,728.5048 
   01/01/2012                             to  12/31/2012       10.335456        11.907276       87,665.7806 
   01/01/2013                             to  12/31/2013       11.907276        15.694676       76,497.4970 
=============                            ==== ==========       =========        =========      ============ 
INVESCO V.I. EQUITY AND INCOME SUB-ACCOUNT (SERIES II)                                                      
 (FORMERLY INVESCO V.I. VAN KAMPEN EQUITY AND INCOME SUB-ACCOUNT (SERIES II) AND BEFORE THAT THE            
 UNIVERSAL INSTITUTIONAL FUNDS, INC. - VAN KAMPEN UIF EQUITY AND INCOME SUB-ACCOUNT (CLASS II))             
   06/01/2007                             to  12/31/2007       15.926782        15.158633       42,888.2355 
   01/01/2008                             to  12/31/2008       15.158633        11.533869      112,680.6979 
   01/01/2009                             to  12/31/2009       11.533869        13.903411      222,891.9600 
   01/01/2010                             to  12/31/2010       13.903411        15.329056      294,803.3927 
   01/01/2011                             to  12/31/2011       15.329056        14.890146      446,204.6204 
   01/01/2012                             to  12/31/2012       14.890146        16.467780      500,434.3345 
   01/01/2013                             to  12/31/2013       16.467780        20.239563      509,470.1899 
=============                            ==== ==========       =========        =========      ============ 
INVESCO V.I. GLOBAL REAL ESTATE SUB-ACCOUNT                                                                 
   06/01/2007                             to  12/31/2007       11.100281         9.600539        6,586.0863 
   01/01/2008                             to  12/31/2008        9.600539         5.222427        5,999.0797 
   01/01/2009                             to  12/31/2009        5.222427         6.737821       16,587.5100 
   01/01/2010                             to  12/31/2010        6.737821         7.774066       27,181.6324 
   01/01/2011                             to  12/31/2011        7.774066         7.136180       31,483.7769 
   01/01/2012                             to  12/31/2012        7.136180         8.977845       50,214.9584 
   01/01/2013                             to  12/31/2013        8.977845         9.050707       58,897.0841 
=============                            ==== ==========       =========        =========      ============ 
INVESCO V.I. GROWTH AND INCOME SUB-ACCOUNT (SERIES II)                                                      
 (FORMERLY INVESCO V.I. VAN KAMPEN GROWTH AND INCOME SUB-ACCOUNT (SERIES II) AND BEFORE THAT VAN            
 KAMPEN LIFE INVESTMENT TRUST - VAN KAMPEN LIT GROWTH AND INCOME SUB-ACCOUNT (CLASS II))                    
   06/01/2007                             to  12/31/2007       27.507180        25.425877       19,384.9622 
   01/01/2008                             to  12/31/2008       25.425877        16.961481       54,087.5404 
   01/01/2009                             to  12/31/2009       16.961481        20.716606       87,747.6800 
   01/01/2010                             to  12/31/2010       20.716606        22.873636      128,522.0594 
   01/01/2011                             to  12/31/2011       22.873636        22.002166      162,258.9539 
   01/01/2012                             to  12/31/2012       22.002166        24.757661      189,188.4315 
   01/01/2013                             to  12/31/2013       24.757661        32.592309      198,561.0587 
=============                            ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                      1.60% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
INVESCO V.I. INTERNATIONAL GROWTH SUB-ACCOUNT (SERIES II)                         
  06/01/2007    to  12/31/2007       28.724535        28.856664       11,445.2329 
  01/01/2008    to  12/31/2008       28.856664        16.887895       34,075.3168 
  01/01/2009    to  12/31/2009       16.887895        22.422216       51,599.1800 
  01/01/2010    to  12/31/2010       22.422216        24.848774       73,357.6213 
  01/01/2011    to  12/31/2011       24.848774        22.745114      110,234.9538 
  01/01/2012    to  12/31/2012       22.745114        25.796660      141,289.1031 
  01/01/2013    to  12/31/2013       25.796660        30.139188      156,306.3597 
============   ==== ==========       =========        =========      ============ 
AMERICAN FUNDS INSURANCE SERIES (Reg. TM)                                         
AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS 2)                                         
  06/01/2007    to  12/31/2007       15.463752        15.520371        7,976.4697 
  01/01/2008    to  12/31/2008       15.520371        13.845537       22,941.4967 
  01/01/2009    to  12/31/2009       13.845537        15.343431       54,213.2000 
  01/01/2010    to  12/31/2010       15.343431        16.073040       79,165.8013 
  01/01/2011    to  12/31/2011       16.073040        16.784089      104,120.9165 
  01/01/2012    to  12/31/2012       16.784089        17.403821      128,042.8143 
  01/01/2013    to  12/31/2013       17.403821        16.757901      142,548.0526 
============   ==== ==========       =========        =========      ============ 
AMERICAN FUNDS GLOBAL GROWTH SUB-ACCOUNT (CLASS 2)                                
  06/01/2007    to  12/31/2007       27.970670        28.706979       12,032.6216 
  01/01/2008    to  12/31/2008       28.706979        17.404655       34,064.1608 
  01/01/2009    to  12/31/2009       17.404655        24.374512       47,263.9300 
  01/01/2010    to  12/31/2010       24.374512        26.805481       67,635.3248 
  01/01/2011    to  12/31/2011       26.805481        24.036566       86,439.4093 
  01/01/2012    to  12/31/2012       24.036566        28.989961       96,982.4465 
  01/01/2013    to  12/31/2013       28.989961        36.854378      102,759.1290 
============   ==== ==========       =========        =========      ============ 
AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION SUB-ACCOUNT (CLASS 2)                  
  06/01/2007    to  12/31/2007       34.389818        34.660775        6,104.5591 
  01/01/2008    to  12/31/2008       34.660775        15.852873       17,358.4207 
  01/01/2009    to  12/31/2009       15.852873        25.164423       26,752.7300 
  01/01/2010    to  12/31/2010       25.164423        30.316276       35,517.6198 
  01/01/2011    to  12/31/2011       30.316276        24.123856       42,097.1389 
  01/01/2012    to  12/31/2012       24.123856        28.054342       46,069.2927 
  01/01/2013    to  12/31/2013       28.054342        35.416816       44,778.1617 
============   ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.60% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS 2)                                       
  06/01/2007    to  12/31/2007       169.161554       168.367642       5,164.3769 
  01/01/2008    to  12/31/2008       168.367642        92.830501      18,776.2018 
  01/01/2009    to  12/31/2009        92.830501       127.362768      31,849.9300 
  01/01/2010    to  12/31/2010       127.362768       148.757722      42,869.6973 
  01/01/2011    to  12/31/2011       148.757722       140.139812      52,768.4923 
  01/01/2012    to  12/31/2012       140.139812       162.577020      60,194.5408 
  01/01/2013    to  12/31/2013       162.577020       208.160148      60,512.2500 
============   ==== ==========       ==========       ==========     ============ 
AMERICAN FUNDS GROWTH-INCOME SUB-ACCOUNT (CLASS 2)                                
  06/01/2007    to  12/31/2007       119.942784       114.431939       2,291.5023 
  01/01/2008    to  12/31/2008       114.431939        69.987358      14,748.3575 
  01/01/2009    to  12/31/2009        69.987358        90.394289      27,268.2500 
  01/01/2010    to  12/31/2010        90.394289        99.125555      36,597.7565 
  01/01/2011    to  12/31/2011        99.125555        95.770102      40,596.0464 
  01/01/2012    to  12/31/2012        95.770102       110.718206      44,679.1292 
  01/01/2013    to  12/31/2013       110.718206       145.463826      44,321.9998 
============   ==== ==========       ==========       ==========     ============ 
FIDELITY (Reg. TM) VARIABLE INSURANCE PRODUCTS                                    
VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS)                              
  06/01/2007    to  12/31/2007        43.544689        46.242310       4,883.5581 
  01/01/2008    to  12/31/2008        46.242310        26.113424      22,874.0653 
  01/01/2009    to  12/31/2009        26.113424        34.864434      32,990.5400 
  01/01/2010    to  12/31/2010        34.864434        40.181658      52,559.0859 
  01/01/2011    to  12/31/2011        40.181658        38.502322      76,153.6370 
  01/01/2012    to  12/31/2012        38.502322        44.067070      95,189.9860 
  01/01/2013    to  12/31/2013        44.067070        56.875066     113,201.0294 
============   ==== ==========       ==========       ==========     ============ 
VIP CONTRAFUND (Reg. TM) SUB-ACCOUNT (SERVICE CLASS 2)                            
  08/12/2013    to  12/31/2013        50.530135        55.676889       6,456.7193 
============   ==== ==========       ==========       ==========     ============ 
VIP MID CAP SUB-ACCOUNT (SERVICE CLASS 2)                                         
  06/01/2007    to  12/31/2007        39.990779        40.456907       7,136.8052 
  01/01/2008    to  12/31/2008        40.456907        24.043718      23,937.2823 
  01/01/2009    to  12/31/2009        24.043718        33.068339      38,476.5300 
  01/01/2010    to  12/31/2010        33.068339        41.842204      61,465.9416 
  01/01/2011    to  12/31/2011        41.842204        36.710130     100,666.9336 
  01/01/2012    to  12/31/2012        36.710130        41.385194     128,693.8996 
  01/01/2013    to  12/31/2013        41.385194        55.337802     147,718.0633 
============   ==== ==========       ==========       ==========     ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.60% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST                              
FRANKLIN INCOME SECURITIES SUB-ACCOUNT (CLASS 2)                                  
  06/01/2007    to  12/31/2007       46.573685        44.538809        5,725.6659 
  01/01/2008    to  12/31/2008       44.538809        30.831141       14,199.1032 
  01/01/2009    to  12/31/2009       30.831141        41.142311       21,340.4100 
  01/01/2010    to  12/31/2010       41.142311        45.620796       29,387.1588 
  01/01/2011    to  12/31/2011       45.620796        45.968701       43,309.7107 
  01/01/2012    to  12/31/2012       45.968701        50.958796       63,650.1413 
  01/01/2013    to  12/31/2013       50.958796        57.141648       70,610.2399 
============   ==== ==========       =========        =========      ============ 
FRANKLIN SMALL CAP VALUE SECURITIES SUB-ACCOUNT (CLASS 2)                         
  06/01/2007    to  12/31/2007       10.245799         8.757826        6,120.0630 
  01/01/2008    to  12/31/2008        8.757826         5.772724       23,370.5566 
  01/01/2009    to  12/31/2009        5.772724         7.337474       41,885.4700 
  01/01/2010    to  12/31/2010        7.337474         9.259070       57,738.4084 
  01/01/2011    to  12/31/2011        9.259070         8.769731       92,874.9079 
  01/01/2012    to  12/31/2012        8.769731        10.216691      140,874.4422 
  01/01/2013    to  12/31/2013       10.216691        13.698220      161,814.7579 
============   ==== ==========       =========        =========      ============ 
MUTUAL SHARES SECURITIES SUB-ACCOUNT (CLASS 2)                                    
  06/01/2007    to  12/31/2007       25.556001        23.677788        7,537.6307 
  01/01/2008    to  12/31/2008       23.677788        14.653907       21,113.7426 
  01/01/2009    to  12/31/2009       14.653907        18.177837       28,836.3500 
  01/01/2010    to  12/31/2010       18.177837        19.892165       39,741.3573 
  01/01/2011    to  12/31/2011       19.892165        19.373038       41,006.9942 
  01/01/2012    to  12/31/2012       19.373038        21.779453       48,570.5547 
  01/01/2013    to  12/31/2013       21.779453        27.491364       49,074.5167 
============   ==== ==========       =========        =========      ============ 
TEMPLETON GLOBAL BOND SECURITIES SUB-ACCOUNT                                      
  06/01/2007    to  12/31/2007       11.986393        12.435459        1,533.8094 
  01/01/2008    to  12/31/2008       12.435459        12.997081       14,979.4289 
  01/01/2009    to  12/31/2009       12.997081        15.180454       31,425.0100 
  01/01/2010    to  12/31/2010       15.180454        17.098129       61,140.0669 
  01/01/2011    to  12/31/2011       17.098129        16.680854      113,770.4242 
  01/01/2012    to  12/31/2012       16.680854        18.887799      164,302.7769 
  01/01/2013    to  12/31/2013       18.887799        18.890822      198,482.7721 
============   ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.60% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                      NUMBER OF    
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS      
                                   BEGINNING OF        END OF       OUTSTANDING AT 
                                      PERIOD           PERIOD       END OF PERIOD  
                                 ---------------  ---------------  --------------- 
                                                                                   
LEGG MASON PARTNERS VARIABLE EQUITY TRUST                                          
CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I)                       
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS I))
  06/01/2007    to  12/31/2007       14.373103        13.540508       29,124.6119  
  01/01/2008    to  12/31/2008       13.540508         7.940688       73,924.1231  
  01/01/2009    to  12/31/2009        7.940688        10.515990      102,695.3800  
  01/01/2010    to  12/31/2010       10.515990        12.937554      117,219.8832  
  01/01/2011    to  12/31/2011       12.937554        13.047195      128,396.0043  
  01/01/2012    to  12/31/2012       13.047195        15.242946      150,502.7891  
  01/01/2013    to  12/31/2013       15.242946        22.168795      156,790.8210  
============   ==== ==========       =========        =========      ============  
CLEARBRIDGE VARIABLE ALL CAP VALUE SUB-ACCOUNT (CLASS I)                           
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE FUNDAMENTAL ALL CAP VALUE SUB-ACCOUNT   
(CLASS I))                                                                         
  06/01/2007    to  12/31/2007       37.268480        34.568918       13,800.4341  
  01/01/2008    to  12/31/2008       34.568918        21.575166       19,448.4631  
  01/01/2009    to  12/31/2009       21.575166        27.466266       33,512.0900  
  01/01/2010    to  12/31/2010       27.466266        31.518820       38,861.1643  
  01/01/2011    to  12/31/2011       31.518820        29.097478       46,296.6108  
  01/01/2012    to  12/31/2012       29.097478        32.922180       49,392.3960  
  01/01/2013    to  12/31/2013       32.922180        42.821428       48,970.4404  
============   ==== ==========       =========        =========      ============  
CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I)                            
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE APPRECIATION SUB-ACCOUNT (CLASS I))     
  06/01/2007    to  12/31/2007       33.231726        33.167224        7,951.5273  
  01/01/2008    to  12/31/2008       33.167224        23.071516       27,205.1846  
  01/01/2009    to  12/31/2009       23.071516        27.726770       47,573.3100  
  01/01/2010    to  12/31/2010       27.726770        30.732103       73,558.1069  
  01/01/2011    to  12/31/2011       30.732103        31.032899       99,131.9116  
  01/01/2012    to  12/31/2012       31.032899        35.408439      116,503.9418  
  01/01/2013    to  12/31/2013       35.408439        45.300842      139,065.8650  
============   ==== ==========       =========        =========      ============  
CLEARBRIDGE VARIABLE EQUITY INCOME SUB-ACCOUNT (CLASS II)                          
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE EQUITY INCOME BUILDER SUB-ACCOUNT       
(CLASS II))                                                                        
  11/12/2007    to  12/31/2007       14.586685        14.887486            0.0000  
  01/01/2008    to  12/31/2008       14.887486         9.528721       17,295.0246  
  01/01/2009    to  12/31/2009        9.528721        11.499858       55,487.2300  
  01/01/2010    to  12/31/2010       11.499858        12.688748       72,240.6765  
  01/01/2011    to  12/31/2011       12.688748        13.450635       84,241.9434  
  01/01/2012    to  12/31/2012       13.450635        15.099293      109,977.8625  
  01/01/2013    to  12/31/2013       15.099293        18.676098      140,897.9808  
============   ==== ==========       =========        =========      ============  

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.60% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I)                           
 (FORMERLY LEGG MASON CLEARBRIDGE VARIABLE SMALL CAP GROWTH SUB-ACCOUNT (CLASS I))    
  06/01/2007    to  12/31/2007       14.599430        14.328264            2,797.2503 
  01/01/2008    to  12/31/2008       14.328264         8.359846            3,405.0854 
  01/01/2009    to  12/31/2009        8.359846        11.746257            4,288.2100 
  01/01/2010    to  12/31/2010       11.746257        14.471096            9,730.5747 
  01/01/2011    to  12/31/2011       14.471096        14.439341           22,826.7537 
  01/01/2012    to  12/31/2012       14.439341        16.969486           37,419.0421 
  01/01/2013    to  12/31/2013       16.969486        24.557868           46,035.0404 
============   ==== ==========       =========        =========       =============== 
LEGG MASON VARIABLE LIFESTYLE ALLOCATION 50% SUB-ACCOUNT                              
  05/03/2010    to  12/31/2010       15.835070        16.731921            3,348.6930 
  01/01/2011    to  12/31/2011       16.731921        16.659942            9,412.4544 
  01/01/2012    to  12/31/2012       16.659942        18.541036           19,000.0732 
  01/01/2013    to  12/31/2013       18.541036        21.044778           25,365.9316 
============   ==== ==========       =========        =========       =============== 
LEGG MASON VARIABLE LIFESTYLE ALLOCATION 85% SUB-ACCOUNT                              
  06/01/2007    to  12/31/2007       16.217535        15.290627           15,682.9362 
  01/01/2008    to  12/31/2008       15.290627         9.416886           27,001.4136 
  01/01/2009    to  12/31/2009        9.416886        12.277148           30,381.4600 
  01/01/2010    to  12/31/2010       12.277148        13.979120           47,221.4921 
  01/01/2011    to  12/31/2011       13.979120        13.439946           82,896.2159 
  01/01/2012    to  12/31/2012       13.439946        15.326914           82,256.8557 
  01/01/2013    to  12/31/2013       15.326914        19.080661           78,542.4471 
============   ==== ==========       =========        =========       =============== 
LEGG MASON PARTNERS VARIABLE INCOME TRUST                                             
WESTERN ASSET VARIABLE GLOBAL HIGH YIELD BOND SUB-ACCOUNT (CLASS I)                   
  06/01/2007    to  12/31/2007       17.079979        16.169795            7,749.3124 
  01/01/2008    to  12/31/2008       16.169795        11.007525            8,223.0624 
  01/01/2009    to  12/31/2009       11.007525        16.851280           15,573.4000 
  01/01/2010    to  12/31/2010       16.851280        19.058381           30,580.2908 
  01/01/2011    to  12/31/2011       19.058381        19.077740           42,042.0089 
  01/01/2012    to  12/31/2012       19.077740        22.214172           51,573.4382 
  01/01/2013    to  12/31/2013       22.214172        23.232293           67,297.4994 
============   ==== ==========       =========        =========       =============== 
MET INVESTORS SERIES TRUST                                                            
AMERICAN FUNDS (Reg. TM) GROWTH SUB-ACCOUNT (CLASS C)                                 
  08/12/2013    to  12/31/2013       11.410877        12.684406       16,265,863.0286 
============   ==== ==========       =========        =========       =============== 
BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                            
  04/30/2012    to  12/31/2012       21.695968        23.307882        3,267,882.4500 
  01/01/2013    to  12/31/2013       23.307882        25.078819        2,529,494.1679 
============   ==== ==========       =========        =========       =============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                     1.60% SEPARATE ACCOUNT PRODUCT CHARGES                                     
                                                                                                  NUMBER OF     
                                                             ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                                            UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                                             BEGINNING OF        END OF         OUTSTANDING AT  
                                                                PERIOD           PERIOD         END OF PERIOD   
                                                           ---------------  ---------------  -------------------
                                                                                                                
CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                             
 (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))                                      
   05/02/2011                             to  12/31/2011        8.318688         7.530069        9,281,983.4705 
   01/01/2012                             to  12/31/2012        7.530069         8.781353        9,179,927.9410 
   01/01/2013                             to  12/31/2013        8.781353        12.582936       10,299,327.4956 
=============                            ==== ==========       =========        =========       =============== 
CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                                                             
 (FORMERLY LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT LEGG                  
 MASON VALUE EQUITY SUB-ACCOUNT (CLASS B))                                                                      
   06/01/2007                             to  12/31/2007       11.994863        10.316557          340,673.9753 
   01/01/2008                             to  12/31/2008       10.316557         4.607445          734,949.4798 
   01/01/2009                             to  12/31/2009        4.607445         6.255989        1,485,802.9800 
   01/01/2010                             to  12/31/2010        6.255989         6.608321        2,136,811.7632 
   01/01/2011                             to  04/29/2011        6.608321         7.022114                0.0000 
=============                            ==== ==========       =========        =========       =============== 
HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                                              
   04/30/2012                             to  12/31/2012       18.212891        21.021513        5,894,732.4837 
   01/01/2013                             to  12/31/2013       21.021513        26.995638        6,198,464.3985 
=============                            ==== ==========       =========        =========       =============== 
INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                          
 (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B))                                                           
   05/04/2009                             to  12/31/2009        7.219162         9.008179        1,579,466.2400 
   01/01/2010                             to  12/31/2010        9.008179        10.184113        2,751,749.3103 
   01/01/2011                             to  12/31/2011       10.184113         9.876117        3,848,914.6430 
   01/01/2012                             to  12/31/2012        9.876117        11.518581        5,585,792.0588 
   01/01/2013                             to  12/31/2013       11.518581        15.347858        6,134,754.4460 
=============                            ==== ==========       =========        =========       =============== 
INVESCO COMSTOCK SUB-ACCOUNT (CLASS B)                                                                          
 (FORMERLY VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B) AND BEFORE THAT VAN KAMPEN LIFE INVESTMENT                 
 TRUST - VAN KAMPEN LIT COMSTOCK SUB-ACCOUNT (CLASS II))                                                        
   06/01/2007                             to  12/31/2007       16.975721        15.131052           20,102.2929 
   01/01/2008                             to  12/31/2008       15.131052         9.559028           50,838.0840 
   01/01/2009                             to  05/01/2009        9.559028         9.270868                0.0000 
=============                            ==== ==========       =========        =========       =============== 
INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                                                  
   06/01/2007                             to  12/31/2007       16.472506        15.833312        1,029,233.3851 
   01/01/2008                             to  12/31/2008       15.833312         9.546739          962,010.0522 
   01/01/2009                             to  12/31/2009        9.546739        12.572653        1,253,787.8800 
   01/01/2010                             to  12/31/2010       12.572653        15.612906        1,691,566.4377 
   01/01/2011                             to  12/31/2011       15.612906        15.199465        2,308,826.3032 
   01/01/2012                             to  12/31/2012       15.199465        17.683791        2,591,469.4859 
   01/01/2013                             to  12/31/2013       17.683791        24.395133        2,336,788.7807 
=============                            ==== ==========       =========        =========       =============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.60% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                    
  04/30/2012    to  12/31/2012       14.054109        14.416084        3,718,858.9764 
  01/01/2013    to  12/31/2013       14.416084        16.617317        3,266,386.7049 
============   ==== ==========       =========        =========        ============== 
MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                           
  06/01/2007    to  12/31/2007       11.701391        14.068459          419,820.3816 
  01/01/2008    to  12/31/2008       14.068459         6.156400        1,093,775.7477 
  01/01/2009    to  12/31/2009        6.156400        10.236000        3,411,716.9900 
  01/01/2010    to  12/31/2010       10.236000        12.456715        6,735,950.9509 
  01/01/2011    to  12/31/2011       12.456715         9.966333        8,359,257.3766 
  01/01/2012    to  12/31/2012        9.966333        11.660563        7,916,048.0421 
  01/01/2013    to  12/31/2013       11.660563        10.903862        8,915,079.5966 
============   ==== ==========       =========        =========        ============== 
MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                            
  06/01/2007    to  12/31/2007       17.365531        17.673078        1,966,501.5199 
  01/01/2008    to  12/31/2008       17.673078        10.023606        2,235,955.6138 
  01/01/2009    to  12/31/2009       10.023606        12.978336        2,505,048.0600 
  01/01/2010    to  12/31/2010       12.978336        14.229112        2,745,255.7489 
  01/01/2011    to  12/31/2011       14.229112        12.503286        3,047,612.0746 
  01/01/2012    to  12/31/2012       12.503286        14.359545        2,858,859.2081 
  01/01/2013    to  12/31/2013       14.359545        16.853046        2,531,598.9555 
============   ==== ==========       =========        =========        ============== 
MORGAN STANLEY MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                   
  06/01/2007    to  12/31/2007       12.276082        12.910899            1,954.2151 
  01/01/2008    to  12/31/2008       12.910899         6.765224           23,833.6701 
  01/01/2009    to  12/31/2009        6.765224        10.470956           55,327.8200 
  01/01/2010    to  12/31/2010       10.470956        13.611354           67,229.5922 
  01/01/2011    to  12/31/2011       13.611354        12.468479          107,388.4040 
  01/01/2012    to  12/31/2012       12.468479        13.408399          166,932.4029 
  01/01/2013    to  12/31/2013       13.408399        18.345091          210,972.6110 
============   ==== ==========       =========        =========        ============== 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                       
  06/01/2007    to  12/31/2007       20.654784        19.793149            4,003.1160 
  01/01/2008    to  12/31/2008       19.793149        11.578024           10,204.0536 
  01/01/2009    to  12/31/2009       11.578024        15.929328           16,867.3300 
  01/01/2010    to  12/31/2010       15.929328        18.173452           16,256.1559 
  01/01/2011    to  12/31/2011       18.173452        16.382187           15,998.5231 
  01/01/2012    to  12/31/2012       16.382187        19.534534           14,286.8077 
  01/01/2013    to  12/31/2013       19.534534        24.436965           44,002.7547 
============   ==== ==========       =========        =========        ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.60% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                   
 (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B))                            
  05/03/2010    to  12/31/2010        8.676477         9.071637        4,097.1219 
  01/01/2011    to  12/31/2011        9.071637         8.312166       59,224.5392 
  01/01/2012    to  12/31/2012        8.312166         9.996641       63,025.4342 
  01/01/2013    to  04/26/2013        9.996641        10.620719            0.0000 
============   ==== ==========       =========        =========      ============ 
OPPENHEIMER GLOBAL EQUITY SUB-ACCOUNT (CLASS B)                                   
 (FORMERLY MET/TEMPLETON GROWTH SUB-ACCOUNT (CLASS B) AND BEFORE THAT FRANKLIN    
TEMPLETON VARIABLE                                                                
 INSURANCE PRODUCTS TRUST - TEMPLETON GROWTH SECURITIES SUB-ACCOUNT (CLASS 2))    
  06/01/2007    to  12/31/2007       14.578041        13.721976        9,311.3541 
  01/01/2008    to  12/31/2008       13.721976         7.788197       22,983.1392 
  01/01/2009    to  12/31/2009        7.788197        10.048509       42,513.9100 
  01/01/2010    to  12/31/2010       10.048509        10.620322       45,387.1725 
  01/01/2011    to  04/29/2011       10.620322        11.841358            0.0000 
============   ==== ==========       =========        =========      ============ 
PIONEER FUND SUB-ACCOUNT (CLASS A)                                                
  06/01/2007    to  12/31/2007       20.988813        19.830152        2,128.8726 
  01/01/2008    to  12/31/2008       19.830152        13.106480       15,702.7566 
  01/01/2009    to  12/31/2009       13.106480        15.979246       42,814.5700 
  01/01/2010    to  12/31/2010       15.979246        18.276791       82,830.4565 
  01/01/2011    to  12/31/2011       18.276791        17.169315      139,612.6721 
  01/01/2012    to  12/31/2012       17.169315        18.684733      181,721.6713 
  01/01/2013    to  12/31/2013       18.684733        24.470406      196,254.6002 
============   ==== ==========       =========        =========      ============ 
PIONEER FUND SUB-ACCOUNT (CLASS B)                                                
  08/12/2013    to  12/31/2013       22.081748        24.109085      301,646.3134 
============   ==== ==========       =========        =========      ============ 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS A)                                    
  06/01/2007    to  12/31/2007       19.059151        19.667198       18,009.8596 
  01/01/2008    to  12/31/2008       19.667198        17.275197       59,833.0356 
  01/01/2009    to  12/31/2009       17.275197        22.626378      108,632.9500 
  01/01/2010    to  12/31/2010       22.626378        24.978500      170,143.4107 
  01/01/2011    to  12/31/2011       24.978500        25.475125      283,075.9526 
  01/01/2012    to  12/31/2012       25.475125        27.982962      360,409.6261 
  01/01/2013    to  12/31/2013       27.982962        27.964193      438,684.1983 
============   ==== ==========       =========        =========      ============ 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS B)                                    
  08/12/2013    to  12/31/2013        2.585606         2.610313      166,865.3428 
============   ==== ==========       =========        =========      ============ 
METROPOLITAN SERIES FUND                                                          
BLACKROCK BOND INCOME SUB-ACCOUNT (CLASS B)                                       
  04/30/2012    to  12/31/2012       53.241766        55.287445        1,899.9188 
  01/01/2013    to  12/31/2013       55.287445        53.861592        3,778.4470 
============   ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                    1.60% SEPARATE ACCOUNT PRODUCT CHARGES                                     
                                                                                                  NUMBER OF    
                                                             ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                                            UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                                             BEGINNING OF        END OF        OUTSTANDING AT  
                                                                PERIOD           PERIOD         END OF PERIOD  
                                                           ---------------  ---------------  ------------------
                                                                                                               
BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                           
 (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A))                                            
   05/04/2009                             to  12/31/2009       10.343998        13.027044           1,098.0500 
   01/01/2010                             to  12/31/2010       13.027044        15.361397             817.4712 
   01/01/2011                             to  12/31/2011       15.361397        13.765569             141.4414 
   01/01/2012                             to  12/31/2012       13.765569        15.492884             118.8309 
   01/01/2013                             to  12/31/2013       15.492884        20.464470             120.0078 
=============                            ==== ==========       =========        =========       ============== 
BLACKROCK CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A)                                                           
 (FORMERLY BLACKROCK LEGACY LARGE CAP GROWTH SUB-ACCOUNT (CLASS A) AND BEFORE THAT MET INVESTORS               
 SERIES TRUST - MET/AIM CAPITAL APPRECIATION SUB-ACCOUNT (CLASS A))                                            
   06/01/2007                             to  12/31/2007       16.015140        15.905748               0.0000 
   01/01/2008                             to  12/31/2008       15.905748         8.977845           1,614.2301 
   01/01/2009                             to  05/01/2009        8.977845         8.533019               0.0000 
=============                            ==== ==========       =========        =========       ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                                                   
   08/12/2013                             to  12/31/2013        9.951030         9.889713       8,363,158.2263 
=============                            ==== ==========       =========        =========       ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                   
   05/03/2010                             to  12/31/2010       13.315911        13.175395          57,331.1750 
   01/01/2011                             to  12/31/2011       13.175395        12.966829          63,226.6118 
   01/01/2012                             to  12/31/2012       12.966829        12.759885          78,400.8691 
   01/01/2013                             to  12/31/2013       12.759885        12.557346          39,878.1467 
=============                            ==== ==========       =========        =========       ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS E)                                                                   
 (FORMERLY LEGG MASON PARTNERS VARIABLE INCOME TRUST - LEGG MASON WESTERN ASSET VARIABLE MONEY                 
 MARKET SUB-ACCOUNT)                                                                                           
   06/01/2007                             to  12/31/2007       13.198194        13.442195          21,079.9860 
   01/01/2008                             to  12/31/2008       13.442195        13.572747          37,021.3536 
   01/01/2009                             to  12/31/2009       13.572747        13.387179          28,262.3000 
   01/01/2010                             to  04/30/2010       13.387179        13.317662               0.0000 
=============                            ==== ==========       =========        =========       ============== 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                                          
   04/30/2012                             to  12/31/2012       14.099051        13.574315       6,670,324.1565 
   01/01/2013                             to  12/31/2013       13.574315        18.265927       5,887,204.3642 
=============                            ==== ==========       =========        =========       ============== 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                                          
 (FORMERLY OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B))                                             
   06/01/2007                             to  12/31/2007        9.871442        10.182457       3,069,571.3003 
   01/01/2008                             to  12/31/2008       10.182457         5.416942       2,293,401.7597 
   01/01/2009                             to  12/31/2009        5.416942         7.660736       1,915,241.2800 
   01/01/2010                             to  12/31/2010        7.660736         8.247628       1,610,111.5628 
   01/01/2011                             to  12/31/2011        8.247628         8.004920       1,408,321.2504 
   01/01/2012                             to  04/27/2012        8.004920         8.999645               0.0000 
=============                            ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.60% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                      
  06/01/2007    to  12/31/2007       15.789537        16.162956        196,667.5236 
  01/01/2008    to  12/31/2008       16.162956        15.821074        609,677.7931 
  01/01/2009    to  12/31/2009       15.821074        16.205260      1,245,877.9000 
  01/01/2010    to  12/31/2010       16.205260        16.824014      2,141,454.3756 
  01/01/2011    to  12/31/2011       16.824014        17.429548      2,728,177.3143 
  01/01/2012    to  12/31/2012       17.429548        17.674177      2,663,283.4393 
  01/01/2013    to  12/31/2013       17.674177        17.236178      2,471,433.1772 
============   ==== ==========       =========        =========      ============== 
OPPENHEIMER VARIABLE ACCOUNT FUNDS                                                  
OPPENHEIMER MAIN STREET SMALL CAP FUND (Reg. TM)/VA SUB-ACCOUNT (SERVICE SHARES)    
 (FORMERLY OPPENHEIMER MAIN STREET SMALL- & MID-CAP FUND (Reg. TM)/VA SUB-ACCOUNT   
(SERVICE SHARES))                                                                   
  07/13/2007    to  12/31/2007       19.365071        16.741090         10,965.3215 
  01/01/2008    to  12/31/2008       16.741090        10.213334         35,912.5691 
  01/01/2009    to  12/31/2009       10.213334        13.758362         60,612.0500 
  01/01/2010    to  12/31/2010       13.758362        16.661991         86,284.8988 
  01/01/2011    to  12/31/2011       16.661991        16.007276        106,620.1825 
  01/01/2012    to  12/31/2012       16.007276        18.535324         99,688.4920 
  01/01/2013    to  12/31/2013       18.535324        25.651478         98,106.4812 
============   ==== ==========       =========        =========      ============== 
PIONEER VARIABLE CONTRACTS TRUST                                                    
PIONEER VCT MID CAP VALUE SUB-ACCOUNT (CLASS II)                                    
  06/01/2007    to  12/31/2007       36.134620        32.661270          5,068.4585 
  01/01/2008    to  12/31/2008       32.661270        21.290494          9,798.7339 
  01/01/2009    to  12/31/2009       21.290494        26.245677         18,586.8300 
  01/01/2010    to  12/31/2010       26.245677        30.450976         21,724.4544 
  01/01/2011    to  12/31/2011       30.450976        28.218062         23,612.0901 
  01/01/2012    to  12/31/2012       28.218062        30.774001         24,114.4983 
  01/01/2013    to  12/31/2013       30.774001        40.205131         23,583.7136 
============   ==== ==========       =========        =========      ============== 
THE UNIVERSAL INSTITUTIONAL FUNDS, INC.                                             
UIF U.S. REAL ESTATE SUB-ACCOUNT (CLASS I)                                          
  06/01/2007    to  12/31/2007       58.656156        45.348318          3,696.2612 
  01/01/2008    to  12/31/2008       45.348318        27.713737          7,954.9185 
  01/01/2009    to  12/31/2009       27.713737        35.006669         13,260.0700 
  01/01/2010    to  12/31/2010       35.006669        44.774079         22,382.1092 
  01/01/2011    to  12/31/2011       44.774079        46.673470         24,982.4381 
  01/01/2012    to  12/31/2012       46.673470        53.202241         31,287.5906 
  01/01/2013    to  12/31/2013       53.202241        53.433046         29,817.8752 
============   ==== ==========       =========        =========      ============== 

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FINANCIAL STATEMENTS                                                            

The financial statements of MetLife Investors USA Separate Account A, the       
unaudited pro forma condensed combined financial statements of MetLife          
Insurance Company of Connecticut, giving effect to the merger on a pro forma    
basis, and the consolidated financial statements of MetLife Insurance Company   
of Connecticut, are included herein. Also included are the financial statements 
of MetLife Investors Insurance Company and Exeter Reassurance Company, Ltd.     
(affiliates of MetLife USA that were merged into MetLife USA effective as of    
November 14, 2014). The unaudited pro forma condensed combined financial        
statements of MetLife Insurance Company of Connecticut and the consolidated     
financial statements of MetLife Insurance Company of Connecticut should be      
considered only as bearing upon the ability of MetLife USA to meet its          
obligations under the contracts.                                                

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM                         

To the Contract Owners of                                                       
MetLife Investors USA Separate Account A                                        
and Board of Directors of                                                       
MetLife Investors USA Insurance Company                                         

We have audited the accompanying statements of assets and liabilities of        
MetLife Investors USA Separate Account A (the "Separate Account") of MetLife    
Investors USA Insurance Company (the "Company") comprising each of the          
individual Sub-Accounts listed in Note 2 as of December 31, 2013, 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, and the financial highlights in Note 8 for 
the respective stated periods in the five years then ended. These financial     
statements and financial highlights are the responsibility of the Separate      
Account's management. Our responsibility is to express an opinion on these      
financial statements and financial highlights based on our audits.              

We conducted our audits in accordance with the standards of the Public Company  
Accounting Oversight Board (United States). 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. The Separate Account is not required to have, nor were we engaged 
to perform, an audit of its internal control over financial reporting. Our      
audits included consideration of internal control over financial reporting as a 
basis for designing audit procedures that are appropriate in the circumstances, 
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. An audit also includes examining, on a test basis,     
evidence supporting the amounts and disclosures in the financial statements,    
assessing the accounting principles used and significant estimates made by      
management, as well as evaluating the overall financial statement presentation. 
Our procedures included confirmation of investments owned as of December 31,    
2013, by correspondence with the custodian or mutual fund companies. We believe 
that our audits provide a reasonable basis for our opinion.                     

In our opinion, the financial statements and financial highlights referred to   
above present fairly, in all material respects, the financial position of each  
of the Sub-Accounts constituting the Separate Account of the Company as of      
December 31, 2013, 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 periods 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.                                                                     

/s/ DELOITTE & TOUCHE LLP                                                       
Certified Public Accountants                                                    

Tampa, Florida                                                                  
March 27, 2014                                                                  

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES    
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                                                                                             AMERICAN FUNDS   
                                                  ALGER            AMERICAN FUNDS        AMERICAN FUNDS       GLOBAL SMALL    
                                            SMALL CAP GROWTH            BOND              GLOBAL GROWTH      CAPITALIZATION   
                                               SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT    
                                           -------------------  --------------------  -------------------  -------------------
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value.............. $        63,772,200  $        146,158,384  $       314,826,299  $       124,184,057
   Due from MetLife Investors                                                                                                 
     USA Insurance Company................                  --                    --                   --                   --
                                           -------------------  --------------------  -------------------  -------------------
        Total Assets......................          63,772,200           146,158,384          314,826,299          124,184,057
                                           -------------------  --------------------  -------------------  -------------------
LIABILITIES:                                                                                                                  
   Accrued fees...........................                  --                    32                   93                   52
   Due to MetLife Investors                                                                                                   
     USA Insurance Company................                   1                     1                    3                    2
                                           -------------------  --------------------  -------------------  -------------------
        Total Liabilities.................                   1                    33                   96                   54
                                           -------------------  --------------------  -------------------  -------------------

NET ASSETS................................ $        63,772,199  $        146,158,351  $       314,826,203  $       124,184,003
                                           ===================  ====================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units..... $        63,772,199  $        146,137,922  $       314,815,262  $       124,172,760
   Net assets from contracts in payout....                  --                20,429               10,941               11,243
                                           -------------------  --------------------  -------------------  -------------------
        Total Net Assets.................. $        63,772,199  $        146,158,351  $       314,826,203  $       124,184,003
                                           ===================  ====================  ===================  ===================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                           AMERICAN FUNDS        AMERICAN FUNDS             DWS I          FEDERATED HIGH   
                                               GROWTH             GROWTH-INCOME         INTERNATIONAL        INCOME BOND    
                                             SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  -------------------
                                                                                                                            
ASSETS:                                                                                                                     
   Investments at fair value............ $       856,560,270  $        388,320,093  $        18,592,801  $            26,171
   Due from MetLife Investors                                                                                               
     USA Insurance Company..............                  --                    --                   --                   --
                                         -------------------  --------------------  -------------------  -------------------
        Total Assets....................         856,560,270           388,320,093           18,592,801               26,171
                                         -------------------  --------------------  -------------------  -------------------
LIABILITIES:                                                                                                                
   Accrued fees.........................                  64                   100                    7                    5
   Due to MetLife Investors                                                                                                 
     USA Insurance Company..............                   2                     3                   --                   --
                                         -------------------  --------------------  -------------------  -------------------
        Total Liabilities...............                  66                   103                    7                    5
                                         -------------------  --------------------  -------------------  -------------------

NET ASSETS.............................. $       856,560,204  $        388,319,990  $        18,592,794  $            26,166
                                         ===================  ====================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                     
   Net assets from accumulation units... $       856,524,635  $        388,260,143  $        18,592,794  $            26,166
   Net assets from contracts in payout..              35,569                59,847                   --                   --
                                         -------------------  --------------------  -------------------  -------------------
        Total Net Assets................ $       856,560,204  $        388,319,990  $        18,592,794  $            26,166
                                         ===================  ====================  ===================  ===================


                                               FEDERATED          FIDELITY VIP          FIDELITY VIP        FIDELITY VIP    
                                                KAUFMAN           ASSET MANAGER          CONTRAFUND         EQUITY-INCOME   
                                              SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  -------------------
                                                                                                                            
ASSETS:                                                                                                                     
   Investments at fair value............ $            44,909  $         88,274,484  $       611,972,984  $         5,954,600
   Due from MetLife Investors                                                                                               
     USA Insurance Company..............                  --                    --                   --                   --
                                         -------------------  --------------------  -------------------  -------------------
        Total Assets....................              44,909            88,274,484          611,972,984            5,954,600
                                         -------------------  --------------------  -------------------  -------------------
LIABILITIES:                                                                                                                
   Accrued fees.........................                   2                     1                   45                   --
   Due to MetLife Investors                                                                                                 
     USA Insurance Company..............                  --                    --                   13                   --
                                         -------------------  --------------------  -------------------  -------------------
        Total Liabilities...............                   2                     1                   58                   --
                                         -------------------  --------------------  -------------------  -------------------

NET ASSETS.............................. $            44,907  $         88,274,483  $       611,972,926  $         5,954,600
                                         ===================  ====================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                     
   Net assets from accumulation units... $            44,907  $         88,274,483  $       611,972,926  $         5,954,600
   Net assets from contracts in payout..                  --                    --                   --                   --
                                         -------------------  --------------------  -------------------  -------------------
        Total Net Assets................ $            44,907  $         88,274,483  $       611,972,926  $         5,954,600
                                         ===================  ====================  ===================  ===================


                                             FIDELITY VIP          FIDELITY VIP                                             
                                           FUNDSMANAGER 50%      FUNDSMANAGER 60%                                           
                                              SUB-ACCOUNT           SUB-ACCOUNT                                             
                                         --------------------  -------------------                                          
                                                                                                                            
ASSETS:                                                                                                                     
   Investments at fair value............ $      2,033,793,788  $     4,031,523,824                                          
   Due from MetLife Investors                                                                                               
     USA Insurance Company..............                   --                   --                                          
                                         --------------------  -------------------                                          
        Total Assets....................        2,033,793,788        4,031,523,824                                          
                                         --------------------  -------------------                                          
LIABILITIES:                                                                                                                
   Accrued fees.........................                   --                   --                                          
   Due to MetLife Investors                                                                                                 
     USA Insurance Company..............                   --                   --                                          
                                         --------------------  -------------------                                          
        Total Liabilities...............                   --                   --                                          
                                         --------------------  -------------------                                          

NET ASSETS.............................. $      2,033,793,788  $     4,031,523,824                                          
                                         ====================  ===================                                          
CONTRACT OWNERS' EQUITY                                                                                                     
   Net assets from accumulation units... $      2,033,793,788  $     4,031,523,824                                          
   Net assets from contracts in payout..                   --                   --                                          
                                         --------------------  -------------------                                          
        Total Net Assets................ $      2,033,793,788  $     4,031,523,824                                          
                                         ====================  ===================                                          

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]


                                             FIDELITY VIP          FIDELITY VIP          FIDELITY VIP          FIDELITY VIP    
                                                GROWTH               INDEX 500              MID CAP            MONEY MARKET    
                                              SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        165,968,439  $         69,677,261  $        446,581,951  $         76,155,366
   Due from MetLife Investors                                                                                                  
     USA Insurance Company..............                   --                    --                     1                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          165,968,439            69,677,261           446,581,952            76,155,366
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   --                    14                    10                    20
   Due to MetLife Investors                                                                                                    
     USA Insurance Company..............                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   --                    14                    10                    20
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $        165,968,439  $         69,677,247  $        446,581,942  $         76,155,346
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        165,968,439  $         69,677,247  $        446,565,326  $         76,155,346
   Net assets from contracts in payout..                   --                    --                16,616                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $        165,968,439  $         69,677,247  $        446,581,942  $         76,155,346
                                         ====================  ====================  ====================  ====================


                                                                                        FTVIPT FRANKLIN                        
                                             FIDELITY VIP         FTVIPT FRANKLIN       SMALL CAP VALUE        FTVIPT MUTUAL   
                                               OVERSEAS          INCOME SECURITIES        SECURITIES         SHARES SECURITIES 
                                              SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $          5,925,521  $        297,821,546  $        128,048,986  $        156,078,613
   Due from MetLife Investors                                                                                                  
     USA Insurance Company..............                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................            5,925,521           297,821,546           128,048,986           156,078,613
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   --                    75                     2                    41
   Due to MetLife Investors                                                                                                    
     USA Insurance Company..............                   --                     1                     1                     1
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   --                    76                     3                    42
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $          5,925,521  $        297,821,470  $        128,048,983  $        156,078,571
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $          5,925,521  $        297,781,830  $        128,048,983  $        156,068,938
   Net assets from contracts in payout..                   --                39,640                    --                 9,633
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $          5,925,521  $        297,821,470  $        128,048,983  $        156,078,571
                                         ====================  ====================  ====================  ====================


                                                                 FTVIPT TEMPLETON                                              
                                           FTVIPT TEMPLETON         GLOBAL BOND                                                
                                          FOREIGN SECURITIES        SECURITIES                                                 
                                              SUB-ACCOUNT           SUB-ACCOUNT                                                
                                         --------------------  --------------------                                            
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $         87,721,359  $        254,683,432                                            
   Due from MetLife Investors                                                                                                  
     USA Insurance Company..............                   --                    --                                            
                                         --------------------  --------------------                                            
        Total Assets....................           87,721,359           254,683,432                                            
                                         --------------------  --------------------                                            
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   64                    18                                            
   Due to MetLife Investors                                                                                                    
     USA Insurance Company..............                    2                    --                                            
                                         --------------------  --------------------                                            
        Total Liabilities...............                   66                    18                                            
                                         --------------------  --------------------                                            

NET ASSETS.............................. $         87,721,293  $        254,683,414                                            
                                         ====================  ====================                                            
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $         87,721,293  $        254,675,740                                            
   Net assets from contracts in payout..                   --                 7,674                                            
                                         --------------------  --------------------                                            
        Total Net Assets................ $         87,721,293  $        254,683,414                                            
                                         ====================  ====================                                            

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]


                                             INVESCO V.I.          INVESCO V.I.           INVESCO V.I.          INVESCO V.I.     
                                          AMERICAN FRANCHISE      AMERICAN VALUE           CORE EQUITY        EQUITY AND INCOME  
                                              SUB-ACCOUNT           SUB-ACCOUNT            SUB-ACCOUNT           SUB-ACCOUNT     
                                         --------------------  --------------------  ---------------------  -------------------- 
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $            163,724  $         95,295,951  $             249,706  $        649,322,735 
   Due from MetLife Investors                                                                                                    
     USA Insurance Company..............                   --                    --                     --                    -- 
                                         --------------------  --------------------  ---------------------  -------------------- 
        Total Assets....................              163,724            95,295,951                249,706           649,322,735 
                                         --------------------  --------------------  ---------------------  -------------------- 
LIABILITIES:                                                                                                                     
   Accrued fees.........................                    6                    21                     10                    37 
   Due to MetLife Investors                                                                                                      
     USA Insurance Company..............                    5                     1                     --                    -- 
                                         --------------------  --------------------  ---------------------  -------------------- 
        Total Liabilities...............                   11                    22                     10                    37 
                                         --------------------  --------------------  ---------------------  -------------------- 

NET ASSETS.............................. $            163,713  $         95,295,929  $             249,696  $        649,322,698 
                                         ====================  ====================  =====================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $            163,713  $         95,295,929  $             249,696  $        649,301,613 
   Net assets from contracts in payout..                   --                    --                     --                21,085 
                                         --------------------  --------------------  ---------------------  -------------------- 
        Total Net Assets................ $            163,713  $         95,295,929  $             249,696  $        649,322,698 
                                         ====================  ====================  =====================  ==================== 



                                              INVESCO V.I.          INVESCO V.I.          INVESCO V.I.            JANUS ASPEN    
                                           GLOBAL REAL ESTATE     GROWTH AND INCOME   INTERNATIONAL GROWTH      GLOBAL RESEARCH  
                                               SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT            SUB-ACCOUNT    
                                         ---------------------  --------------------  --------------------  ---------------------
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $          29,993,352  $        365,970,652  $        281,999,222  $               6,751
   Due from MetLife Investors                                                                                                    
     USA Insurance Company..............                    --                    --                    --                     --
                                         ---------------------  --------------------  --------------------  ---------------------
        Total Assets....................            29,993,352           365,970,652           281,999,222                  6,751
                                         ---------------------  --------------------  --------------------  ---------------------
LIABILITIES:                                                                                                                     
   Accrued fees.........................                    28                    37                    14                      3
   Due to MetLife Investors                                                                                                      
     USA Insurance Company..............                     1                     2                     2                     --
                                         ---------------------  --------------------  --------------------  ---------------------
        Total Liabilities...............                    29                    39                    16                      3
                                         ---------------------  --------------------  --------------------  ---------------------

NET ASSETS.............................. $          29,993,323  $        365,970,613  $        281,999,206  $               6,748
                                         =====================  ====================  ====================  =====================
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $          29,993,323  $        365,960,564  $        281,990,432  $               6,748
   Net assets from contracts in payout..                    --                10,049                 8,774                     --
                                         ---------------------  --------------------  --------------------  ---------------------
        Total Net Assets................ $          29,993,323  $        365,970,613  $        281,999,206  $               6,748
                                         =====================  ====================  ====================  =====================


                                                LMPVET                 LMPVET                                                    
                                         CLEARBRIDGE VARIABLE   CLEARBRIDGE VARIABLE                                             
                                           AGGRESSIVE GROWTH        ALL CAP VALUE                                                
                                              SUB-ACCOUNT            SUB-ACCOUNT                                                 
                                         ---------------------  --------------------                                             
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $         280,745,363  $        129,253,621                                             
   Due from MetLife Investors                                                                                                    
     USA Insurance Company..............                    --                    --                                             
                                         ---------------------  --------------------                                             
        Total Assets....................           280,745,363           129,253,621                                             
                                         ---------------------  --------------------                                             
LIABILITIES:                                                                                                                     
   Accrued fees.........................                   160                    56                                             
   Due to MetLife Investors                                                                                                      
     USA Insurance Company..............                     3                     2                                             
                                         ---------------------  --------------------                                             
        Total Liabilities...............                   163                    58                                             
                                         ---------------------  --------------------                                             

NET ASSETS.............................. $         280,745,200  $        129,253,563                                             
                                         =====================  ====================                                             
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $         280,734,965  $        129,253,563                                             
   Net assets from contracts in payout..                10,235                    --                                             
                                         ---------------------  --------------------                                             
        Total Net Assets................ $         280,745,200  $        129,253,563                                             
                                         =====================  ====================                                             

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]


                                                LMPVET                LMPVET                LMPVET                LMPVET       
                                         CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE
                                             APPRECIATION          EQUITY INCOME       LARGE CAP GROWTH       LARGE CAP VALUE  
                                              SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............  $       405,286,269  $        191,169,763  $         5,012,459    $         6,893,046
   Due from MetLife Investors                                                                                                  
     USA Insurance Company..............                   --                    --                   --                     --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          405,286,269           191,169,763            5,012,459              6,893,046
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   46                   108                   68                     91
   Due to MetLife Investors                                                                                                    
     USA Insurance Company..............                    2                     2                    1                      1
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   48                   110                   69                     92
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS..............................  $       405,286,221  $        191,169,653  $         5,012,390    $         6,892,954
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units...  $       405,286,221  $        191,162,626  $         5,012,390    $         6,892,954
   Net assets from contracts in payout..                   --                 7,027                   --                     --
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................  $       405,286,221  $        191,169,653  $         5,012,390    $         6,892,954
                                         ====================  ====================  ====================  ====================



                                                LMPVET           LMPVET INVESTMENT          LMPVET               LMPVET        
                                         CLEARBRIDGE VARIABLE    COUNSEL VARIABLE     VARIABLE LIFESTYLE   VARIABLE LIFESTYLE  
                                           SMALL CAP GROWTH      SOCIAL AWARENESS       ALLOCATION 50%       ALLOCATION 70%    
                                              SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT     
                                         --------------------  --------------------  --------------------  ------------------- 
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $       112,499,086   $            292,324  $         44,101,424  $         2,305,026 
   Due from MetLife Investors                                                                                                  
     USA Insurance Company..............                  --                     --                    --                   -- 
                                         --------------------  --------------------  --------------------  ------------------- 
        Total Assets....................         112,499,086                292,324            44,101,424            2,305,026 
                                         --------------------  --------------------  --------------------  ------------------- 
LIABILITIES:                                                                                                                   
   Accrued fees.........................                  65                     38                    23                   27 
   Due to MetLife Investors                                                                                                    
     USA Insurance Company..............                   1                     --                    --                   -- 
                                         --------------------  --------------------  --------------------  ------------------- 
        Total Liabilities...............                  66                     38                    23                   27 
                                         --------------------  --------------------  --------------------  ------------------- 

NET ASSETS.............................. $       112,499,020   $            292,286  $         44,101,401  $         2,304,999 
                                         ====================  ====================  ====================  =================== 
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $       112,499,020   $            292,286  $         44,101,401  $         2,304,999 
   Net assets from contracts in payout..                  --                     --                    --                   -- 
                                         --------------------  --------------------  --------------------  ------------------- 
        Total Net Assets................ $       112,499,020   $            292,286  $         44,101,401  $         2,304,999 
                                         ====================  ====================  ====================  =================== 



                                                LMPVET            LMPVIT WESTERN                                               
                                          VARIABLE LIFESTYLE   ASSET VARIABLE GLOBAL                                           
                                            ALLOCATION 85%        HIGH YIELD BOND                                              
                                              SUB-ACCOUNT           SUB-ACCOUNT                                                
                                         --------------------  ---------------------                                           
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $         95,074,305  $       104,740,529                                             
   Due from MetLife Investors                                                                                                  
     USA Insurance Company..............                   --                   --                                             
                                         --------------------  ---------------------                                           
        Total Assets....................           95,074,305          104,740,529                                             
                                         --------------------  ---------------------                                           
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   21                   77                                             
   Due to MetLife Investors                                                                                                    
     USA Insurance Company..............                   --                    1                                             
                                         --------------------  ---------------------                                           
        Total Liabilities...............                   21                   78                                             
                                         --------------------  ---------------------                                           

NET ASSETS.............................. $         95,074,284  $       104,740,451                                             
                                         ====================  =====================                                           
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $         95,074,284  $       104,737,455                                             
   Net assets from contracts in payout..                   --                2,996                                             
                                         --------------------  ---------------------                                           
        Total Net Assets................ $         95,074,284  $       104,740,451                                             
                                         ====================  =====================                                           

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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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                                                                                                 MIST        
                                                                                                           ALLIANCEBERNSTEIN 
                                               MFS VIT               MFS VIT                                GLOBAL DYNAMIC   
                                           INVESTORS TRUST        NEW DISCOVERY      MFS VIT RESEARCH         ALLOCATION     
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $            25,959  $             46,022  $            63,838  $      3,313,674,263
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
        Total Assets....................              25,959                46,022               63,838         3,313,674,263
                                         -------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   8                     2                    2                    69
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                  --                    --                    1                     2
                                         -------------------  --------------------  -------------------  --------------------
        Total Liabilities...............                   8                     2                    3                    71
                                         -------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $            25,951  $             46,020  $            63,835  $      3,313,674,192
                                         ===================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $            25,951  $             46,020  $            63,835  $      3,313,622,486
   Net assets from contracts in payout..                  --                    --                   --                51,706
                                         -------------------  --------------------  -------------------  --------------------
        Total Net Assets................ $            25,951  $             46,020  $            63,835  $      3,313,674,192
                                         ===================  ====================  ===================  ====================



                                             MIST AMERICAN         MIST AMERICAN                             MIST AMERICAN   
                                            FUNDS BALANCED         FUNDS GROWTH        MIST AMERICAN        FUNDS MODERATE   
                                              ALLOCATION            ALLOCATION         FUNDS GROWTH           ALLOCATION     
                                              SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  -------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $      3,430,387,069  $     1,828,322,442  $       632,386,712  $      1,796,367,030
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                   --                   --                   --                    --
                                         --------------------  -------------------  -------------------  --------------------
        Total Assets....................        3,430,387,069        1,828,322,442          632,386,712         1,796,367,030
                                         --------------------  -------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   30                   66                   66                    52
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                    1                    1                   10                     1
                                         --------------------  -------------------  -------------------  --------------------
        Total Liabilities...............                   31                   67                   76                    53
                                         --------------------  -------------------  -------------------  --------------------

NET ASSETS.............................. $      3,430,387,038  $     1,828,322,375  $       632,386,636  $      1,796,366,977
                                         ====================  ===================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $      3,430,376,518  $     1,827,667,872  $       632,301,718  $      1,796,362,961
   Net assets from contracts in payout..               10,520              654,503               84,918                 4,016
                                         --------------------  -------------------  -------------------  --------------------
        Total Net Assets................ $      3,430,387,038  $     1,828,322,375  $       632,386,636  $      1,796,366,977
                                         ====================  ===================  ===================  ====================



                                              MIST AQR           MIST BLACKROCK                                              
                                             GLOBAL RISK         GLOBAL TACTICAL                                             
                                              BALANCED             STRATEGIES                                                
                                             SUB-ACCOUNT           SUB-ACCOUNT                                               
                                         -------------------  --------------------                                           
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $     3,248,476,045  $      5,457,878,842                                           
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                                           
                                         -------------------  --------------------                                           
        Total Assets....................       3,248,476,045         5,457,878,842                                           
                                         -------------------  --------------------                                           
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  68                    78                                           
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                  --                     3                                           
                                         -------------------  --------------------                                           
        Total Liabilities...............                  68                    81                                           
                                         -------------------  --------------------                                           

NET ASSETS.............................. $     3,248,475,977  $      5,457,878,761                                           
                                         ===================  ====================                                           
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $     3,248,431,414  $      5,457,828,462                                           
   Net assets from contracts in payout..              44,563                50,299                                           
                                         -------------------  --------------------                                           
        Total Net Assets................ $     3,248,475,977  $      5,457,878,761                                           
                                         ===================  ====================                                           

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]


                                           MIST BLACKROCK        MIST BLACKROCK        MIST CLARION        MIST CLEARBRIDGE  
                                             HIGH YIELD          LARGE CAP CORE     GLOBAL REAL ESTATE   AGGRESSIVE GROWTH II
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       265,149,930  $         16,869,754  $       182,674,017  $        119,069,072
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Assets.....................         265,149,930            16,869,754          182,674,017           119,069,072
                                         -------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                 122                   102                   93                   110
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   2                     2                    2                     2
                                         -------------------  --------------------  -------------------  --------------------
       Total Liabilities................                 124                   104                   95                   112
                                         -------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $       265,149,806  $         16,869,650  $       182,673,922  $        119,068,960
                                         ===================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       265,145,347  $         16,869,650  $       182,649,463  $        119,068,960
   Net assets from contracts in payout..               4,459                    --               24,459                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Net Assets................. $       265,149,806  $         16,869,650  $       182,673,922  $        119,068,960
                                         ===================  ====================  ===================  ====================


                                                                                           MIST              MIST INVESCO    
                                          MIST CLEARBRIDGE     MIST GOLDMAN SACHS     HARRIS OAKMARK         BALANCED-RISK   
                                          AGGRESSIVE GROWTH       MID CAP VALUE        INTERNATIONAL          ALLOCATION     
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       451,710,663  $        170,038,476  $       693,983,315  $        843,160,756
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Assets.....................         451,710,663           170,038,476          693,983,315           843,160,756
                                         -------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  96                    89                   69                    58
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   2                     1                    2                     1
                                         -------------------  --------------------  -------------------  --------------------
       Total Liabilities................                  98                    90                   71                    59
                                         -------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $       451,710,565  $        170,038,386  $       693,983,244  $        843,160,697
                                         ===================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       451,670,790  $        170,001,706  $       693,796,289  $        843,160,697
   Net assets from contracts in payout..              39,775                36,680              186,955                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Net Assets................. $       451,710,565  $        170,038,386  $       693,983,244  $        843,160,697
                                         ===================  ====================  ===================  ====================



                                             MIST INVESCO         MIST INVESCO                                               
                                               COMSTOCK           MID CAP VALUE                                              
                                              SUB-ACCOUNT          SUB-ACCOUNT                                               
                                         -------------------  --------------------                                           
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       443,562,037  $        158,040,507                                           
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                                           
                                         -------------------  --------------------                                           
       Total Assets.....................         443,562,037           158,040,507                                           
                                         -------------------  --------------------                                           
LIABILITIES:                                                                                                                 
   Accrued fees.........................                 112                   131                                           
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   2                     1                                           
                                         -------------------  --------------------                                           
       Total Liabilities................                 114                   132                                           
                                         -------------------  --------------------                                           

NET ASSETS.............................. $       443,561,923  $        158,040,375                                           
                                         ===================  ====================                                           
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       443,532,010  $        158,034,445                                           
   Net assets from contracts in payout..              29,913                 5,930                                           
                                         -------------------  --------------------                                           
       Total Net Assets................. $       443,561,923  $        158,040,375                                           
                                         ===================  ====================                                           

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                                                                        MIST JPMORGAN                        
                                             MIST INVESCO          MIST JPMORGAN        GLOBAL ACTIVE         MIST JPMORGAN  
                                           SMALL CAP GROWTH          CORE BOND           ALLOCATION          SMALL CAP VALUE 
                                              SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT   
                                         --------------------  -------------------  --------------------  -------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        319,189,506  $       311,869,966  $        746,849,807  $        27,866,760
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                   --                   --                    --                   --
                                         --------------------  -------------------  --------------------  -------------------
       Total Assets.....................          319,189,506          311,869,966           746,849,807           27,866,760
                                         --------------------  -------------------  --------------------  -------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  159                   33                    89                  194
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                    2                    1                     1                   --
                                         --------------------  -------------------  --------------------  -------------------
       Total Liabilities................                  161                   34                    90                  194
                                         --------------------  -------------------  --------------------  -------------------

NET ASSETS.............................. $        319,189,345  $       311,869,932  $        746,849,717  $        27,866,566
                                         ====================  ===================  ====================  ===================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        319,132,725  $       311,869,932  $        746,849,717  $        27,866,566
   Net assets from contracts in payout..               56,620                   --                    --                   --
                                         --------------------  -------------------  --------------------  -------------------
       Total Net Assets................. $        319,189,345  $       311,869,932  $        746,849,717  $        27,866,566
                                         ====================  ===================  ====================  ===================


                                                                                            MIST           MIST MET/FRANKLIN 
                                          MIST LOOMIS SAYLES    MIST LORD ABBETT       MET/EATON VANCE       LOW DURATION    
                                            GLOBAL MARKETS       BOND DEBENTURE         FLOATING RATE        TOTAL RETURN    
                                              SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       180,595,879  $        259,294,611  $        83,115,922  $        140,307,239
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Assets.....................         180,595,879           259,294,611           83,115,922           140,307,239
                                         -------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  96                   121                   84                    92
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   2                     3                    1                     1
                                         -------------------  --------------------  -------------------  --------------------
       Total Liabilities................                  98                   124                   85                    93
                                         -------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $       180,595,781  $        259,294,487  $        83,115,837  $        140,307,146
                                         ===================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       180,595,781  $        259,067,107  $        83,115,837  $        140,307,146
   Net assets from contracts in payout..                  --               227,380                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Net Assets................. $       180,595,781  $        259,294,487  $        83,115,837  $        140,307,146
                                         ===================  ====================  ===================  ====================



                                          MIST MET/TEMPLETON       MIST METLIFE                                              
                                          INTERNATIONAL BOND    AGGRESSIVE STRATEGY                                          
                                              SUB-ACCOUNT           SUB-ACCOUNT                                              
                                         --------------------  --------------------                                          
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        52,286,206   $        659,971,556                                          
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                     --                                          
                                         --------------------  --------------------                                          
       Total Assets.....................          52,286,206            659,971,556                                          
                                         --------------------  --------------------                                          
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  66                     51                                          
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   1                      1                                          
                                         --------------------  --------------------                                          
       Total Liabilities................                  67                     52                                          
                                         --------------------  --------------------                                          

NET ASSETS.............................. $        52,286,139   $        659,971,504                                          
                                         ====================  ====================                                          
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        52,286,139   $        659,913,190                                          
   Net assets from contracts in payout..                  --                 58,314                                          
                                         --------------------  --------------------                                          
       Total Net Assets................. $        52,286,139   $        659,971,504                                          
                                         ====================  ====================                                          

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]


                                             MIST METLIFE          MIST METLIFE         MIST METLIFE         MIST METLIFE    
                                             BALANCED PLUS       BALANCED STRATEGY   DEFENSIVE STRATEGY     GROWTH STRATEGY  
                                              SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT    
                                         --------------------  -------------------  --------------------  -------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $      6,454,727,036  $     7,812,083,227  $      1,972,799,230  $     6,767,059,571
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                   --                   --                    --                   13
                                         --------------------  -------------------  --------------------  -------------------
       Total Assets.....................        6,454,727,036        7,812,083,227         1,972,799,230        6,767,059,584
                                         --------------------  -------------------  --------------------  -------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   58                   49                    92                   66
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                    2                    1                     2                   --
                                         --------------------  -------------------  --------------------  -------------------
       Total Liabilities................                   60                   50                    94                   66
                                         --------------------  -------------------  --------------------  -------------------

NET ASSETS.............................. $      6,454,726,976  $     7,812,083,177  $      1,972,799,136  $     6,767,059,518
                                         ====================  ===================  ====================  ===================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $      6,454,591,334  $     7,810,608,978  $      1,972,521,631  $     6,766,750,756
   Net assets from contracts in payout..              135,642            1,474,199               277,505              308,762
                                         --------------------  -------------------  --------------------  -------------------
       Total Net Assets................. $      6,454,726,976  $     7,812,083,177  $      1,972,799,136  $     6,767,059,518
                                         ====================  ===================  ====================  ===================


                                                                                                                  MIST       
                                            MIST METLIFE       MIST METLIFE MULTI-   MIST MFS EMERGING        MFS RESEARCH   
                                          MODERATE STRATEGY    INDEX TARGETED RISK    MARKETS EQUITY          INTERNATIONAL  
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT            SUB-ACCOUNT   
                                         -------------------  --------------------  --------------------  -------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $     3,631,779,081  $        209,957,104  $       456,076,979   $       331,488,553
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  --------------------  -------------------
       Total Assets.....................       3,631,779,081           209,957,104          456,076,979           331,488,553
                                         -------------------  --------------------  --------------------  -------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  72                    51                   85                    89
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   1                     1                    2                     3
                                         -------------------  --------------------  --------------------  -------------------
       Total Liabilities................                  73                    52                   87                    92
                                         -------------------  --------------------  --------------------  -------------------

NET ASSETS.............................. $     3,631,779,008  $        209,957,052  $       456,076,892   $       331,488,461
                                         ===================  ====================  ====================  ===================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $     3,631,343,957  $        209,957,052  $       456,043,852   $       331,401,169
   Net assets from contracts in payout..             435,051                    --               33,040                87,292
                                         -------------------  --------------------  --------------------  -------------------
       Total Net Assets................. $     3,631,779,008  $        209,957,052  $       456,076,892   $       331,488,461
                                         ===================  ====================  ====================  ===================



                                         MIST MORGAN STANLEY    MIST OPPENHEIMER                                             
                                           MID CAP GROWTH         GLOBAL EQUITY                                              
                                             SUB-ACCOUNT           SUB-ACCOUNT                                               
                                         -------------------  -------------------                                            
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       244,579,293  $        78,398,683                                            
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    2                                            
                                         -------------------  -------------------                                            
       Total Assets.....................         244,579,293           78,398,685                                            
                                         -------------------  -------------------                                            
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  57                  112                                            
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   2                   --                                            
                                         -------------------  -------------------                                            
       Total Liabilities................                  59                  112                                            
                                         -------------------  -------------------                                            

NET ASSETS.............................. $       244,579,234  $        78,398,573                                            
                                         ===================  ===================                                            
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       244,579,234  $        78,398,573                                            
   Net assets from contracts in payout..                  --                   --                                            
                                         -------------------  -------------------                                            
       Total Net Assets................. $       244,579,234  $        78,398,573                                            
                                         ===================  ===================                                            

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                                MIST                                                                       
                                           PIMCO INFLATION           MIST                 MIST             MIST PIONEER    
                                           PROTECTED BOND     PIMCO TOTAL RETURN      PIONEER FUND       STRATEGIC INCOME  
                                             SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT    
                                         -------------------  -------------------  -------------------  -------------------
                                                                                                                           
ASSETS:                                                                                                                    
   Investments at fair value............ $       821,456,212  $     1,993,787,047  $       297,755,838  $       919,329,053
   Due from MetLife Investors                                                                                              
     USA Insurance Company..............                  --                   --                   --                   --
                                         -------------------  -------------------  -------------------  -------------------
       Total Assets.....................         821,456,212        1,993,787,047          297,755,838          919,329,053
                                         -------------------  -------------------  -------------------  -------------------
LIABILITIES:                                                                                                               
   Accrued fees.........................                 121                   97                  160                  185
   Due to MetLife Investors                                                                                                
     USA Insurance Company..............                   2                    2                    8                   11
                                         -------------------  -------------------  -------------------  -------------------
       Total Liabilities................                 123                   99                  168                  196
                                         -------------------  -------------------  -------------------  -------------------

NET ASSETS.............................. $       821,456,089  $     1,993,786,948  $       297,755,670  $       919,328,857
                                         ===================  ===================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                    
   Net assets from accumulation units... $       821,327,058  $     1,993,490,223  $       297,747,696  $       919,316,926
   Net assets from contracts in payout..             129,031              296,725                7,974               11,931
                                         -------------------  -------------------  -------------------  -------------------
       Total Net Assets................. $       821,456,089  $     1,993,786,948  $       297,755,670  $       919,328,857
                                         ===================  ===================  ===================  ===================



                                            MIST PYRAMIS         MIST PYRAMIS        MIST SCHRODERS      MIST SSGA GROWTH  
                                          GOVERNMENT INCOME      MANAGED RISK      GLOBAL MULTI-ASSET     AND INCOME ETF   
                                             SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT    
                                         -------------------  -------------------  -------------------  -------------------
                                                                                                                           
ASSETS:                                                                                                                    
   Investments at fair value............ $       715,739,667  $        78,417,297  $       435,205,791  $     1,578,178,756
   Due from MetLife Investors                                                                                              
     USA Insurance Company..............                  --                   --                   --                   --
                                         -------------------  -------------------  -------------------  -------------------
       Total Assets.....................         715,739,667           78,417,297          435,205,791        1,578,178,756
                                         -------------------  -------------------  -------------------  -------------------
LIABILITIES:                                                                                                               
   Accrued fees.........................                 109                   67                  101                   77
   Due to MetLife Investors                                                                                                
     USA Insurance Company..............                   1                    1                    1                    2
                                         -------------------  -------------------  -------------------  -------------------
       Total Liabilities................                 110                   68                  102                   79
                                         -------------------  -------------------  -------------------  -------------------

NET ASSETS.............................. $       715,739,557  $        78,417,229  $       435,205,689  $     1,578,178,677
                                         ===================  ===================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                    
   Net assets from accumulation units... $       715,457,516  $        78,417,229  $       435,205,689  $     1,578,176,658
   Net assets from contracts in payout..             282,041                   --                   --                2,019
                                         -------------------  -------------------  -------------------  -------------------
       Total Net Assets................. $       715,739,557  $        78,417,229  $       435,205,689  $     1,578,178,677
                                         ===================  ===================  ===================  ===================



                                              MIST SSGA       MIST T. ROWE PRICE                                           
                                             GROWTH ETF         LARGE CAP VALUE                                            
                                             SUB-ACCOUNT          SUB-ACCOUNT                                              
                                         -------------------  -------------------                                          
                                                                                                                           
ASSETS:                                                                                                                    
   Investments at fair value............ $       509,607,946  $       657,944,412                                          
   Due from MetLife Investors                                                                                              
     USA Insurance Company..............                  --                   --                                          
                                         -------------------  -------------------                                          
       Total Assets.....................         509,607,946          657,944,412                                          
                                         -------------------  -------------------                                          
LIABILITIES:                                                                                                               
   Accrued fees.........................                  86                   91                                          
   Due to MetLife Investors                                                                                                
     USA Insurance Company..............                   2                    2                                          
                                         -------------------  -------------------                                          
       Total Liabilities................                  88                   93                                          
                                         -------------------  -------------------                                          

NET ASSETS.............................. $       509,607,858  $       657,944,319                                          
                                         ===================  ===================                                          
CONTRACT OWNERS' EQUITY                                                                                                    
   Net assets from accumulation units... $       509,607,858  $       657,632,896                                          
   Net assets from contracts in payout..                  --              311,423                                          
                                         -------------------  -------------------                                          
       Total Net Assets................. $       509,607,858  $       657,944,319                                          
                                         ===================  ===================                                          

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                         MIST T. ROWE PRICE     MIST THIRD AVENUE  MSF BAILLIE GIFFORD      MSF BARCLAYS     
                                           MID CAP GROWTH        SMALL CAP VALUE   INTERNATIONAL STOCK  AGGREGATE BOND INDEX 
                                             SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT     
                                         -------------------  -------------------  -------------------  -------------------- 
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       568,882,803  $       330,702,076  $       303,453,108  $       162,571,949  
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                   --                   --                   --  
                                         -------------------  -------------------  -------------------  -------------------- 
       Total Assets.....................         568,882,803          330,702,076          303,453,108          162,571,949  
                                         -------------------  -------------------  -------------------  -------------------- 
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  55                  112                   57                   98  
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   1                    2                    4                    2  
                                         -------------------  -------------------  -------------------  -------------------- 
       Total Liabilities................                  56                  114                   61                  100  
                                         -------------------  -------------------  -------------------  -------------------- 

NET ASSETS.............................. $       568,882,747  $       330,701,962  $       303,453,047  $       162,571,849  
                                         ===================  ===================  ===================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       568,794,562  $       330,531,309  $       303,453,047  $       162,571,849  
   Net assets from contracts in payout..              88,185              170,653                   --                   --  
                                         -------------------  -------------------  -------------------  -------------------- 
       Total Net Assets................. $       568,882,747  $       330,701,962  $       303,453,047  $       162,571,849  
                                         ===================  ===================  ===================  ==================== 


                                            MSF BLACKROCK         MSF BLACKROCK        MSF BLACKROCK         MSF BLACKROCK   
                                             BOND INCOME      CAPITAL APPRECIATION    LARGE CAP VALUE        MONEY MARKET    
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        57,252,064  $         15,272,530  $         3,792,927  $        461,343,188
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Assets.....................          57,252,064            15,272,530            3,792,927           461,343,188
                                         -------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                 155                   184                   --                   292
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   2                     4                    1                     6
                                         -------------------  --------------------  -------------------  --------------------
       Total Liabilities................                 157                   188                    1                   298
                                         -------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $        57,251,907  $         15,272,342  $         3,792,926  $        461,342,890
                                         ===================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        57,243,808  $         15,272,342  $         3,792,926  $        461,206,268
   Net assets from contracts in payout..               8,099                    --                   --               136,622
                                         -------------------  --------------------  -------------------  --------------------
       Total Net Assets................. $        57,251,907  $         15,272,342  $         3,792,926  $        461,342,890
                                         ===================  ====================  ===================  ====================


                                              MSF DAVIS           MSF FRONTIER                                               
                                            VENTURE VALUE        MID CAP GROWTH                                              
                                             SUB-ACCOUNT           SUB-ACCOUNT                                               
                                         -------------------  --------------------                                           
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       658,561,619  $         83,651,214                                           
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                                           
                                         -------------------  --------------------                                           
       Total Assets.....................         658,561,619            83,651,214                                           
                                         -------------------  --------------------                                           
LIABILITIES:                                                                                                                 
   Accrued fees.........................                 177                    50                                           
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   4                     1                                           
                                         -------------------  --------------------                                           
       Total Liabilities................                 181                    51                                           
                                         -------------------  --------------------                                           

NET ASSETS.............................. $       658,561,438  $         83,651,163                                           
                                         ===================  ====================                                           
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       658,275,863  $         83,628,999                                           
   Net assets from contracts in payout..             285,575                22,164                                           
                                         -------------------  --------------------                                           
       Total Net Assets................. $       658,561,438  $         83,651,163                                           
                                         ===================  ====================                                           

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]


                                                  MSF            MSF LOOMIS SAYLES    MSF LOOMIS SAYLES      MSF MET/ARTISAN    
                                            JENNISON GROWTH       SMALL CAP CORE      SMALL CAP GROWTH        MID CAP VALUE     
                                              SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT      
                                         --------------------  -------------------  --------------------  --------------------  
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $        585,624,287  $        14,610,873  $            226,834  $        285,771,086  
   Due from MetLife Investors                                                                                                   
     USA Insurance Company..............                   --                   --                    --                    --  
                                         --------------------  -------------------  --------------------  --------------------  
        Total Assets....................          585,624,287           14,610,873               226,834           285,771,086  
                                         --------------------  -------------------  --------------------  --------------------  
LIABILITIES:                                                                                                                    
   Accrued fees.........................                   66                   98                    32                    73  
   Due to MetLife Investors                                                                                                     
     USA Insurance Company..............                    2                    2                    --                     3  
                                         --------------------  -------------------  --------------------  --------------------  
        Total Liabilities...............                   68                  100                    32                    76  
                                         --------------------  -------------------  --------------------  --------------------  

NET ASSETS.............................. $        585,624,219  $        14,610,773  $            226,802  $        285,771,010  
                                         ====================  ===================  ====================  ====================  
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $        585,280,529  $        14,610,773  $            226,802  $        285,579,066  
   Net assets from contracts in payout..              343,690                   --                    --               191,944  
                                         --------------------  -------------------  --------------------  --------------------  
        Total Net Assets................ $        585,624,219  $        14,610,773  $            226,802  $        285,771,010  
                                         ====================  ===================  ====================  ====================  


                                          MSF MET/DIMENSIONAL        MSF METLIFE           MSF METLIFE                          
                                          INTERNATIONAL SMALL       CONSERVATIVE         CONSERVATIVE TO         MSF METLIFE    
                                                COMPANY              ALLOCATION        MODERATE ALLOCATION   MID CAP STOCK INDEX
                                              SUB-ACCOUNT            SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                         ---------------------  --------------------  --------------------  --------------------
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $         66,162,529   $          7,497,463  $          7,732,407  $       125,884,166 
   Due from MetLife Investors                                                                                                   
     USA Insurance Company..............                   --                     --                    --                   -- 
                                         ---------------------  --------------------  --------------------  --------------------
        Total Assets....................           66,162,529              7,497,463             7,732,407          125,884,166 
                                         ---------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                    
   Accrued fees.........................                  106                     55                    31                   87 
   Due to MetLife Investors                                                                                                     
     USA Insurance Company..............                    4                     --                    --                    1 
                                         ---------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                  110                     55                    31                   88 
                                         ---------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $         66,162,419   $          7,497,408  $          7,732,376  $       125,884,078 
                                         =====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $         66,162,419   $          7,497,408  $          7,732,376  $       125,884,078 
   Net assets from contracts in payout..                   --                     --                    --                   -- 
                                         ---------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $         66,162,419   $          7,497,408  $          7,732,376  $       125,884,078 
                                         =====================  ====================  ====================  ====================


                                                                    MSF METLIFE                                                 
                                              MSF METLIFE           MODERATE TO                                                 
                                          MODERATE ALLOCATION  AGGRESSIVE ALLOCATION                                            
                                              SUB-ACCOUNT           SUB-ACCOUNT                                                 
                                         --------------------  ---------------------                                            
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $         44,655,438  $         57,260,816                                             
   Due from MetLife Investors                                                                                                   
     USA Insurance Company..............                   --                    --                                             
                                         --------------------  ---------------------                                            
        Total Assets....................           44,655,438            57,260,816                                             
                                         --------------------  ---------------------                                            
LIABILITIES:                                                                                                                    
   Accrued fees.........................                   16                    28                                             
   Due to MetLife Investors                                                                                                     
     USA Insurance Company..............                    1                     1                                             
                                         --------------------  ---------------------                                            
        Total Liabilities...............                   17                    29                                             
                                         --------------------  ---------------------                                            

NET ASSETS.............................. $         44,655,421  $         57,260,787                                             
                                         ====================  =====================                                            
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $         44,655,421  $         57,260,787                                             
   Net assets from contracts in payout..                   --                    --                                             
                                         --------------------  ---------------------                                            
        Total Net Assets................ $         44,655,421  $         57,260,787                                             
                                         ====================  =====================                                            

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]


                                             MSF METLIFE               MSF                  MSF               MSF MSCI     
                                             STOCK INDEX        MFS TOTAL RETURN         MFS VALUE           EAFE INDEX    
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT   
                                         -------------------  -------------------  -------------------  -------------------
                                                                                                                           
ASSETS:                                                                                                                    
   Investments at fair value............ $       561,274,528  $        46,044,648  $       260,474,139  $       112,197,240
   Due from MetLife Investors                                                                                              
     USA Insurance Company..............                  --                   --                   --                   --
                                         -------------------  -------------------  -------------------  -------------------
       Total Assets.....................         561,274,528           46,044,648          260,474,139          112,197,240
                                         -------------------  -------------------  -------------------  -------------------
LIABILITIES:                                                                                                               
   Accrued fees.........................                  40                  232                  168                   69
   Due to MetLife Investors                                                                                                
     USA Insurance Company..............                   1                    4                    7                    2
                                         -------------------  -------------------  -------------------  -------------------
       Total Liabilities................                  41                  236                  175                   71
                                         -------------------  -------------------  -------------------  -------------------

NET ASSETS.............................. $       561,274,487  $        46,044,412  $       260,473,964  $       112,197,169
                                         ===================  ===================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                    
   Net assets from accumulation units... $       561,135,329  $        46,044,412  $       260,467,868  $       112,197,169
   Net assets from contracts in payout..             139,158                   --                6,096                   --
                                         -------------------  -------------------  -------------------  -------------------
       Total Net Assets................. $       561,274,487  $        46,044,412  $       260,473,964  $       112,197,169
                                         ===================  ===================  ===================  ===================



                                             MSF NEUBERGER             MSF          MSF T. ROWE PRICE    MSF T. ROWE PRICE 
                                            BERMAN GENESIS     RUSSELL 2000 INDEX   LARGE CAP GROWTH     SMALL CAP GROWTH  
                                              SUB-ACCOUNT          SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT    
                                         -------------------  -------------------  -------------------  -------------------
                                                                                                                           
ASSETS:                                                                                                                    
   Investments at fair value............ $       172,247,595  $       141,070,551  $       151,930,138  $        10,522,855
   Due from MetLife Investors                                                                                              
     USA Insurance Company..............                  --                   --                   --                   --
                                         -------------------  -------------------  -------------------  -------------------
       Total Assets.....................         172,247,595          141,070,551          151,930,138           10,522,855
                                         -------------------  -------------------  -------------------  -------------------
LIABILITIES:                                                                                                               
   Accrued fees.........................                 133                   91                   66                   42
   Due to MetLife Investors                                                                                                
     USA Insurance Company..............                   2                    2                    1                   --
                                         -------------------  -------------------  -------------------  -------------------
       Total Liabilities................                 135                   93                   67                   42
                                         -------------------  -------------------  -------------------  -------------------

NET ASSETS.............................. $       172,247,460  $       141,070,458  $       151,930,071  $        10,522,813
                                         ===================  ===================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                    
   Net assets from accumulation units... $       172,210,991  $       141,070,458  $       151,902,711  $        10,522,813
   Net assets from contracts in payout..              36,469                   --               27,360                   --
                                         -------------------  -------------------  -------------------  -------------------
       Total Net Assets................. $       172,247,460  $       141,070,458  $       151,930,071  $        10,522,813
                                         ===================  ===================  ===================  ===================


                                             MSF VAN ECK        MSF WESTERN ASSET                                          
                                           GLOBAL NATURAL          MANAGEMENT                                              
                                              RESOURCES          U.S. GOVERNMENT                                           
                                             SUB-ACCOUNT           SUB-ACCOUNT                                             
                                         -------------------  -------------------                                          
                                                                                                                           
ASSETS:                                                                                                                    
   Investments at fair value............ $       106,449,545  $       291,870,510                                          
   Due from MetLife Investors                                                                                              
     USA Insurance Company..............                  --                   --                                          
                                         -------------------  -------------------                                          
       Total Assets.....................         106,449,545          291,870,510                                          
                                         -------------------  -------------------                                          
LIABILITIES:                                                                                                               
   Accrued fees.........................                  45                  121                                          
   Due to MetLife Investors                                                                                                
     USA Insurance Company..............                   1                    1                                          
                                         -------------------  -------------------                                          
       Total Liabilities................                  46                  122                                          
                                         -------------------  -------------------                                          

NET ASSETS.............................. $       106,449,499  $       291,870,388                                          
                                         ===================  ===================                                          
CONTRACT OWNERS' EQUITY                                                                                                    
   Net assets from accumulation units... $       106,449,499  $       291,855,711                                          
   Net assets from contracts in payout..                  --               14,677                                          
                                         -------------------  -------------------                                          
       Total Net Assets................. $       106,449,499  $       291,870,388                                          
                                         ===================  ===================                                          

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                                                                      OPPENHEIMER VA                         
                                              NEUBERGER          OPPENHEIMER VA      GLOBAL STRATEGIC       OPPENHEIMER VA   
                                           BERMAN GENESIS           CORE BOND             INCOME              MAIN STREET    
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $            10,997  $              8,649  $             4,493  $            104,043
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
        Total Assets....................              10,997                 8,649                4,493               104,043
                                         -------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   6                     3                    1                     4
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
        Total Liabilities...............                   6                     3                    1                     4
                                         -------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $            10,991  $              8,646  $             4,492  $            104,039
                                         ===================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $            10,991  $              8,646  $             4,492  $            104,039
   Net assets from contracts in payout..                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
        Total Net Assets................ $            10,991  $              8,646  $             4,492  $            104,039
                                         ===================  ====================  ===================  ====================



                                            OPPENHEIMER VA        OPPENHEIMER VA        PIONEER VCT           PIONEER VCT    
                                           MAIN STREET SMALL           MONEY         DISCIPLINED VALUE     EMERGING MARKETS  
                                              SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  -------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        123,045,425  $             4,008  $         2,003,215  $            721,676
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                   --                   --                   --                    --
                                         --------------------  -------------------  -------------------  --------------------
        Total Assets....................          123,045,425                4,008            2,003,215               721,676
                                         --------------------  -------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   18                    8                   78                    92
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   --                   --                   --                     1
                                         --------------------  -------------------  -------------------  --------------------
        Total Liabilities...............                   18                    8                   78                    93
                                         --------------------  -------------------  -------------------  --------------------

NET ASSETS.............................. $        123,045,407  $             4,000  $         2,003,137  $            721,583
                                         ====================  ===================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        123,045,407  $             4,000  $         2,003,137  $            721,583
   Net assets from contracts in payout..                   --                   --                   --                    --
                                         --------------------  -------------------  -------------------  --------------------
        Total Net Assets................ $        123,045,407  $             4,000  $         2,003,137  $            721,583
                                         ====================  ===================  ===================  ====================



                                             PIONEER VCT      PIONEER VCT IBBOTSON                                           
                                            EQUITY INCOME       GROWTH ALLOCATION                                            
                                             SUB-ACCOUNT           SUB-ACCOUNT                                               
                                         -------------------  --------------------                                           
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $           637,916  $         20,842,524                                           
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                                           
                                         -------------------  --------------------                                           
        Total Assets....................             637,916            20,842,524                                           
                                         -------------------  --------------------                                           
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  41                    55                                           
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   1                     1                                           
                                         -------------------  --------------------                                           
        Total Liabilities...............                  42                    56                                           
                                         -------------------  --------------------                                           

NET ASSETS.............................. $           637,874  $         20,842,468                                           
                                         ===================  ====================                                           
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $           637,874  $         20,842,468                                           
   Net assets from contracts in payout..                  --                    --                                           
                                         -------------------  --------------------                                           
        Total Net Assets................ $           637,874  $         20,842,468                                           
                                         ===================  ====================                                           

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONCLUDED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                         PIONEER VCT IBBOTSON        PIONEER VCT           PIONEER VCT          T. ROWE PRICE   
                                          MODERATE ALLOCATION       MID CAP VALUE      REAL ESTATE SHARES       GROWTH STOCK    
                                              SUB-ACCOUNT            SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                         ---------------------  --------------------  --------------------  --------------------
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $          30,201,108  $         71,900,108  $            252,718  $          8,339,192
   Due from MetLife Investors                                                                                                   
     USA Insurance Company..............                    --                    --                    --                    --
                                         ---------------------  --------------------  --------------------  --------------------
        Total Assets....................            30,201,108            71,900,108               252,718             8,339,192
                                         ---------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                    
   Accrued fees.........................                    44                    65                    64                    --
   Due to MetLife Investors                                                                                                     
     USA Insurance Company..............                     1                     1                     1                    --
                                         ---------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                    45                    66                    65                    --
                                         ---------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $          30,201,063  $         71,900,042  $            252,653  $          8,339,192
                                         =====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $          30,201,063  $         71,900,042  $            252,653  $          8,339,192
   Net assets from contracts in payout..                    --                    --                    --                    --
                                         ---------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $          30,201,063  $         71,900,042  $            252,653  $          8,339,192
                                         =====================  ====================  ====================  ====================


                                              T. ROWE PRICE         T. ROWE PRICE                                               
                                           INTERNATIONAL STOCK      PRIME RESERVE     UIF U.S. REAL ESTATE                      
                                               SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT                          
                                         ---------------------  --------------------  --------------------                      
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $             655,401  $            558,450  $        100,974,984                      
   Due from MetLife Investors                                                                                                   
     USA Insurance Company..............                    --                    --                    --                      
                                         ---------------------  --------------------  --------------------                      
        Total Assets....................               655,401               558,450           100,974,984                      
                                         ---------------------  --------------------  --------------------                      
LIABILITIES:                                                                                                                    
   Accrued fees.........................                    --                    --                     6                      
   Due to MetLife Investors                                                                                                     
     USA Insurance Company..............                    --                     1                     1                      
                                         ---------------------  --------------------  --------------------                      
        Total Liabilities...............                    --                     1                     7                      
                                         ---------------------  --------------------  --------------------                      

NET ASSETS.............................. $             655,401  $            558,449  $        100,974,977                      
                                         =====================  ====================  ====================                      
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $             655,401  $            558,449  $        100,974,977                      
   Net assets from contracts in payout..                    --                    --                    --                      
                                         ---------------------  --------------------  --------------------                      
        Total Net Assets................ $             655,401  $            558,449  $        100,974,977                      
                                         =====================  ====================  ====================                      


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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS    
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                                                                               AMERICAN FUNDS  
                                                     ALGER          AMERICAN FUNDS       AMERICAN FUNDS         GLOBAL SMALL   
                                               SMALL CAP GROWTH          BOND             GLOBAL GROWTH        CAPITALIZATION  
                                                  SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT   
                                             -------------------  -------------------  -------------------  -------------------
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $                --  $         2,659,639  $         3,543,665  $           995,290
                                             -------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                      
      Mortality and expense risk                                                                                               
        charges............................              795,350            1,579,860            3,369,739            1,305,682
      Administrative charges...............                   --              361,049              700,854              239,013
                                             -------------------  -------------------  -------------------  -------------------
        Total expenses.....................              795,350            1,940,909            4,070,593            1,544,695
                                             -------------------  -------------------  -------------------  -------------------
           Net investment income (loss)....            (795,350)              718,730            (526,928)            (549,405)
                                             -------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........            7,752,298            1,645,084                   --                   --
      Realized gains (losses) on sale of                                                                                       
        investments........................              715,762              105,489            3,982,592            1,957,425
                                             -------------------  -------------------  -------------------  -------------------
           Net realized gains (losses).....            8,468,060            1,750,573            3,982,592            1,957,425
                                             -------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                      
        on investments.....................            8,688,799          (7,601,790)           65,109,148           25,083,432
                                             -------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................           17,156,859          (5,851,217)           69,091,740           27,040,857
                                             -------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $        16,361,509  $       (5,132,487)  $        68,564,812  $        26,491,452
                                             ===================  ===================  ===================  ===================



                                                AMERICAN FUNDS      AMERICAN FUNDS            DWS I            FEDERATED HIGH  
                                                    GROWTH           GROWTH-INCOME        INTERNATIONAL          INCOME BOND   
                                                  SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT   
                                             -------------------  -------------------  -------------------  -------------------
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $         7,336,530  $         4,748,193  $           924,809  $             1,732
                                             -------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                      
      Mortality and expense risk                                                                                               
        charges............................            9,466,721            4,415,548              235,774                  357
      Administrative charges...............            1,886,375              801,868                   --                   --
                                             -------------------  -------------------  -------------------  -------------------
        Total expenses.....................           11,353,096            5,217,416              235,774                  357
                                             -------------------  -------------------  -------------------  -------------------
           Net investment income (loss)....          (4,016,566)            (469,223)              689,035                1,375
                                             -------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........                   --                   --                   --                   --
      Realized gains (losses) on sale of                                                                                       
        investments........................           16,990,100            6,900,940            (490,812)                   --
                                             -------------------  -------------------  -------------------  -------------------
           Net realized gains (losses).....           16,990,100            6,900,940            (490,812)                   --
                                             -------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                      
        on investments.....................          182,361,798           89,831,743            2,799,643                  (4)
                                             -------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................          199,351,898           96,732,683            2,308,831                  (4)
                                             -------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $       195,335,332  $        96,263,460  $         2,997,866  $             1,371
                                             ===================  ===================  ===================  ===================



                                                  FEDERATED           FIDELITY VIP                                             
                                                   KAUFMAN            ASSET MANAGER                                            
                                                 SUB-ACCOUNT           SUB-ACCOUNT                                             
                                             -------------------  -------------------                                          
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $                --  $         1,335,776                                          
                                             -------------------  -------------------                                          
EXPENSES:                                                                                                                      
      Mortality and expense risk                                                                                               
        charges............................                  544            1,168,826                                          
      Administrative charges...............                   --                   --                                          
                                             -------------------  -------------------                                          
        Total expenses.....................                  544            1,168,826                                          
                                             -------------------  -------------------                                          
           Net investment income (loss)....                (544)              166,950                                          
                                             -------------------  -------------------                                          
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........                3,265              207,129                                          
      Realized gains (losses) on sale of                                                                                       
        investments........................                  351              599,116                                          
                                             -------------------  -------------------                                          
           Net realized gains (losses).....                3,616              806,245                                          
                                             -------------------  -------------------                                          
      Change in unrealized gains (losses)                                                                                      
        on investments.....................                9,524           10,480,801                                          
                                             -------------------  -------------------                                          
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................               13,140           11,287,046                                          
                                             -------------------  -------------------                                          
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $            12,596  $        11,453,996                                          
                                             ===================  ===================                                          

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                 FIDELITY VIP          FIDELITY VIP         FIDELITY VIP          FIDELITY VIP    
                                                  CONTRAFUND           EQUITY-INCOME      FUNDSMANAGER 50%      FUNDSMANAGER 60%  
                                                  SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                             --------------------  --------------------  -------------------  --------------------
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................. $          5,646,134  $            139,396  $        19,057,686  $         44,019,083
                                             --------------------  --------------------  -------------------  --------------------
EXPENSES:                                                                                                                         
      Mortality and expense risk                                                                                                  
        charges.............................            6,566,916                80,957           24,306,286            75,257,193
      Administrative charges................              776,610                    --                   --                    --
                                             --------------------  --------------------  -------------------  --------------------
        Total expenses......................            7,343,526                80,957           24,306,286            75,257,193
                                             --------------------  --------------------  -------------------  --------------------
           Net investment income (loss).....          (1,697,392)                58,439          (5,248,600)          (31,238,110)
                                             --------------------  --------------------  -------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions...........              159,570               370,347           10,771,735           140,760,703
      Realized gains (losses) on sale of                                                                                          
        investments.........................           11,441,688               (2,721)                   --            30,399,116
                                             --------------------  --------------------  -------------------  --------------------
           Net realized gains (losses)......           11,601,258               367,626           10,771,735           171,159,819
                                             --------------------  --------------------  -------------------  --------------------
      Change in unrealized gains (losses)                                                                                         
        on investments......................          130,225,189               916,971          141,257,707           435,136,185
                                             --------------------  --------------------  -------------------  --------------------
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments......................          141,826,447             1,284,597          152,029,442           606,296,004
                                             --------------------  --------------------  -------------------  --------------------
      Net increase (decrease) in net assets                                                                                       
        resulting from operations........... $        140,129,055  $          1,343,036  $       146,780,842  $        575,057,894
                                             ====================  ====================  ===================  ====================


                                                 FIDELITY VIP        FIDELITY VIP          FIDELITY VIP          FIDELITY VIP     
                                                    GROWTH             INDEX 500              MID CAP            MONEY MARKET     
                                                  SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT     
                                             -------------------  -------------------  --------------------  -------------------- 
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................. $           427,133  $         1,208,234  $          1,103,058  $             19,205 
                                             -------------------  -------------------  --------------------  -------------------- 
EXPENSES:                                                                                                                         
      Mortality and expense risk                                                                                                  
        charges.............................           2,006,872              883,110             4,345,498             1,616,530 
      Administrative charges................                  --                   --               973,805                    -- 
                                             -------------------  -------------------  --------------------  -------------------- 
        Total expenses......................           2,006,872              883,110             5,319,303             1,616,530 
                                             -------------------  -------------------  --------------------  -------------------- 
           Net investment income (loss).....         (1,579,739)              325,124           (4,216,245)           (1,597,325) 
                                             -------------------  -------------------  --------------------  -------------------- 
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions...........             101,698              659,971            52,528,266                    -- 
      Realized gains (losses) on sale of                                                                                          
        investments.........................           4,010,481            2,197,984             4,049,459                    -- 
                                             -------------------  -------------------  --------------------  -------------------- 
           Net realized gains (losses)......           4,112,179            2,857,955            56,577,725                    -- 
                                             -------------------  -------------------  --------------------  -------------------- 
      Change in unrealized gains (losses)                                                                                         
        on investments......................          41,938,391           14,178,938            61,592,202                    -- 
                                             -------------------  -------------------  --------------------  -------------------- 
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments......................          46,050,570           17,036,893           118,169,927                    -- 
                                             -------------------  -------------------  --------------------  -------------------- 
      Net increase (decrease) in net assets                                                                                       
        resulting from operations........... $        44,470,831  $        17,362,017  $        113,953,682  $        (1,597,325) 
                                             ===================  ===================  ====================  ==================== 


                                                 FIDELITY VIP         FTVIPT FRANKLIN                                             
                                                   OVERSEAS          INCOME SECURITIES                                            
                                                  SUB-ACCOUNT           SUB-ACCOUNT                                               
                                             --------------------  -------------------                                            
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................. $             73,625  $        17,606,923                                            
                                             --------------------  -------------------                                            
EXPENSES:                                                                                                                         
      Mortality and expense risk                                                                                                  
        charges.............................               68,590            3,108,880                                            
      Administrative charges................                   --              695,083                                            
                                             --------------------  -------------------                                            
        Total expenses......................               68,590            3,803,963                                            
                                             --------------------  -------------------                                            
           Net investment income (loss).....                5,035           13,802,960                                            
                                             --------------------  -------------------                                            
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions...........               20,183                   --                                            
      Realized gains (losses) on sale of                                                                                          
        investments.........................              (8,588)              335,927                                            
                                             --------------------  -------------------                                            
           Net realized gains (losses)......               11,595              335,927                                            
                                             --------------------  -------------------                                            
      Change in unrealized gains (losses)                                                                                         
        on investments......................            1,380,290           18,152,582                                            
                                             --------------------  -------------------                                            
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments......................            1,391,885           18,488,509                                            
                                             --------------------  -------------------                                            
      Net increase (decrease) in net assets                                                                                       
        resulting from operations........... $          1,396,920  $        32,291,469                                            
                                             ====================  ===================                                            

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                FTVIPT FRANKLIN                                                  FTVIPT TEMPLETON  
                                                SMALL CAP VALUE        FTVIPT MUTUAL       FTVIPT TEMPLETON         GLOBAL BOND    
                                                  SECURITIES         SHARES SECURITIES    FOREIGN SECURITIES        SECURITIES     
                                                  SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $          1,424,165  $          3,049,245  $          1,970,839  $         11,451,561
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges.............................            1,177,277             1,657,493             1,284,267             2,597,751
      Administrative charges................              270,995               363,180               206,977               601,822
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................            1,448,272             2,020,673             1,491,244             3,199,573
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....             (24,107)             1,028,572               479,595             8,251,988
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........            1,837,932                    --                    --             2,956,639
      Realized gains (losses) on sale of                                                                                           
        investments.........................            1,498,054             1,531,390               527,295              (64,028)
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......            3,335,986             1,531,390               527,295             2,892,611
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................           28,858,586            31,136,595            14,782,128          (10,624,497)
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................           32,194,572            32,667,985            15,309,423           (7,731,886)
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $         32,170,465  $         33,696,557  $         15,789,018  $            520,102
                                             ====================  ====================  ====================  ====================



                                                 INVESCO V.I.          INVESCO V.I.          INVESCO V.I.          INVESCO V.I.    
                                              AMERICAN FRANCHISE      AMERICAN VALUE          CORE EQUITY        EQUITY AND INCOME 
                                                  SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $                610  $            474,488  $              3,195  $          9,000,063
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges.............................                2,011               918,743                 3,285             6,577,931
      Administrative charges................                   --               208,813                    --             1,461,723
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................                2,011             1,127,556                 3,285             8,039,654
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....              (1,401)             (653,068)                  (90)               960,409
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   --                    --                    --                    --
      Realized gains (losses) on sale of                                                                                           
        investments.........................                4,184             1,362,452                11,977             2,646,648
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......                4,184             1,362,452                11,977             2,646,648
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................               44,589            21,986,708                45,509           115,194,853
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................               48,773            23,349,160                57,486           117,841,501
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $             47,372  $         22,696,092  $             57,396  $        118,801,910
                                             ====================  ====================  ====================  ====================



                                                 INVESCO V.I.          INVESCO V.I.                                                
                                              GLOBAL REAL ESTATE     GROWTH AND INCOME                                             
                                                  SUB-ACCOUNT           SUB-ACCOUNT                                                
                                             --------------------  -------------------                                             
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $          1,116,085  $         4,261,347                                             
                                             --------------------  -------------------                                             
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges.............................              307,333            3,635,879                                             
      Administrative charges................               69,997              813,892                                             
                                             --------------------  -------------------                                             
        Total expenses......................              377,330            4,449,771                                             
                                             --------------------  -------------------                                             
           Net investment income (loss).....              738,755            (188,424)                                             
                                             --------------------  -------------------                                             
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   --            2,944,746                                             
      Realized gains (losses) on sale of                                                                                           
        investments.........................              251,182            3,020,114                                             
                                             --------------------  -------------------                                             
           Net realized gains (losses)......              251,182            5,964,860                                             
                                             --------------------  -------------------                                             
      Change in unrealized gains (losses)                                                                                          
        on investments......................            (841,038)           81,951,879                                             
                                             --------------------  -------------------                                             
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................            (589,856)           87,916,739                                             
                                             --------------------  -------------------                                             
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $            148,899  $        87,728,315                                             
                                             ====================  ===================                                             

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                                                               LMPVET                LMPVET        
                                                 INVESCO V.I.          JANUS ASPEN      CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE 
                                             INTERNATIONAL GROWTH    GLOBAL RESEARCH      AGGRESSIVE GROWTH       ALL CAP VALUE    
                                                  SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT     
                                             --------------------  -------------------  --------------------  -------------------- 
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................   $         2,742,141  $                73   $           671,833   $         1,655,948 
                                             --------------------  -------------------  --------------------  -------------------- 
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................             2,753,046                   52             2,809,619             1,394,363 
      Administrative charges...............               625,200                   --               590,305               295,950 
                                             --------------------  -------------------  --------------------  -------------------- 
        Total expenses.....................             3,378,246                   52             3,399,924             1,690,313 
                                             --------------------  -------------------  --------------------  -------------------- 
          Net investment income (loss).....             (636,105)                   21           (2,728,091)              (34,365) 
                                             --------------------  -------------------  --------------------  -------------------- 
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........                    --                   --            12,904,072             8,706,055 
      Realized gains (losses) on sale of                                                                                           
        investments........................             1,305,822                  120             4,957,428             1,486,711 
                                             --------------------  -------------------  --------------------  -------------------- 
          Net realized gains (losses)......             1,305,822                  120            17,861,500            10,192,766 
                                             --------------------  -------------------  --------------------  -------------------- 
      Change in unrealized gains (losses)                                                                                          
        on investments.....................            40,017,340                1,329            71,695,365            20,675,928 
                                             --------------------  -------------------  --------------------  -------------------- 
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................            41,323,162                1,449            89,556,865            30,868,694 
                                             --------------------  -------------------  --------------------  -------------------- 
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........   $        40,687,057  $             1,470   $        86,828,774   $        30,834,329 
                                             ====================  ===================  ====================  ==================== 


                                                    LMPVET                LMPVET                LMPVET                LMPVET       
                                             CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE
                                                 APPRECIATION          EQUITY INCOME       LARGE CAP GROWTH       LARGE CAP VALUE  
                                                  SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................  $         4,560,501   $         2,745,187   $            23,290    $           103,406
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................            4,021,644             1,903,271                70,000                 87,700
      Administrative charges...............              879,646               414,431                11,460                 14,558
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses.....................            4,901,290             2,317,702                81,460                102,258
                                             --------------------  --------------------  --------------------  --------------------
          Net investment income (loss).....            (340,789)               427,485              (58,170)                  1,148
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........           12,586,231                    --               491,394                307,920
      Realized gains (losses) on sale of                                                                                           
        investments........................            1,266,391               646,901               254,029                158,693
                                             --------------------  --------------------  --------------------  --------------------
          Net realized gains (losses)......           13,852,622               646,901               745,423                466,613
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments.....................           72,638,328            33,452,314               710,461              1,056,824
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................           86,490,950            34,099,215             1,455,884              1,523,437
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........  $        86,150,161   $        34,526,700   $         1,397,714    $         1,524,585
                                             ====================  ====================  ====================  ====================


                                                    LMPVET          LMPVET INVESTMENT                                              
                                             CLEARBRIDGE VARIABLE   COUNSEL VARIABLE                                               
                                               SMALL CAP GROWTH     SOCIAL AWARENESS                                               
                                                  SUB-ACCOUNT          SUB-ACCOUNT                                                 
                                             --------------------  -------------------                                             
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................   $            40,622  $             2,393                                             
                                             --------------------  -------------------                                             
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................             1,051,901                3,889                                             
      Administrative charges...............               224,160                  717                                             
                                             --------------------  -------------------                                             
        Total expenses.....................             1,276,061                4,606                                             
                                             --------------------  -------------------                                             
          Net investment income (loss).....           (1,235,439)              (2,213)                                             
                                             --------------------  -------------------                                             
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........             7,305,832                   --                                             
      Realized gains (losses) on sale of                                                                                           
        investments........................             1,558,761                8,209                                             
                                             --------------------  -------------------                                             
          Net realized gains (losses)......             8,864,593                8,209                                             
                                             --------------------  -------------------                                             
      Change in unrealized gains (losses)                                                                                          
        on investments.....................            24,881,277               39,556                                             
                                             --------------------  -------------------                                             
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................            33,745,870               47,765                                             
                                             --------------------  -------------------                                             
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........   $        32,510,431  $            45,552                                             
                                             ====================  ===================                                             

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]


                                                    LMPVET                LMPVET               LMPVET            LMPVIT WESTERN    
                                              VARIABLE LIFESTYLE    VARIABLE LIFESTYLE   VARIABLE LIFESTYLE   ASSET VARIABLE GLOBAL
                                                ALLOCATION 50%        ALLOCATION 70%       ALLOCATION 85%        HIGH YIELD BOND   
                                                  SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT     
                                             --------------------  -------------------  --------------------  ---------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................  $            873,351  $            36,589  $          1,460,852  $         6,179,424  
                                             --------------------  -------------------  --------------------  ---------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................               438,782               35,306               975,746            1,175,968  
      Administrative charges...............                98,604                6,498               219,274              249,397  
                                             --------------------  -------------------  --------------------  ---------------------
        Total expenses.....................               537,386               41,804             1,195,020            1,425,365  
                                             --------------------  -------------------  --------------------  ---------------------
           Net investment income (loss)....               335,965              (5,215)               265,832            4,754,059  
                                             --------------------  -------------------  --------------------  ---------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........                    --                   --                    --                   --  
      Realized gains (losses) on sale of                                                                                           
        investments........................               294,643              164,204             1,739,917               97,460  
                                             --------------------  -------------------  --------------------  ---------------------
           Net realized gains (losses).....               294,643              164,204             1,739,917               97,460  
                                             --------------------  -------------------  --------------------  ---------------------
      Change in unrealized gains (losses)                                                                                          
        on investments.....................             4,402,903              307,412            17,385,552            (303,455)  
                                             --------------------  -------------------  --------------------  ---------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................             4,697,546              471,616            19,125,469            (205,995)  
                                             --------------------  -------------------  --------------------  ---------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........  $          5,033,511  $           466,401  $         19,391,301  $         4,548,064  
                                             ====================  ===================  ====================  =====================


                                                                                                                     MIST          
                                                                                                               ALLIANCEBERNSTEIN   
                                                    MFS VIT              MFS VIT                                GLOBAL DYNAMIC     
                                                INVESTORS TRUST       NEW DISCOVERY       MFS VIT RESEARCH        ALLOCATION       
                                                  SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT      
                                             -------------------  --------------------  -------------------  --------------------  
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................  $               254  $                 --  $               188  $         39,779,815  
                                             -------------------  --------------------  -------------------  --------------------  
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................                  323                   581                  798            36,599,907  
      Administrative charges...............                   --                    --                   --             7,790,779  
                                             -------------------  --------------------  -------------------  --------------------  
        Total expenses.....................                  323                   581                  798            44,390,686  
                                             -------------------  --------------------  -------------------  --------------------  
           Net investment income (loss)....                 (69)                 (581)                (610)           (4,610,871)  
                                             -------------------  --------------------  -------------------  --------------------  
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........                   --                   326                  140            66,116,796  
      Realized gains (losses) on sale of                                                                                           
        investments........................                  292                 1,680                  993             6,931,021  
                                             -------------------  --------------------  -------------------  --------------------  
           Net realized gains (losses).....                  292                 2,006                1,133            73,047,817  
                                             -------------------  --------------------  -------------------  --------------------  
      Change in unrealized gains (losses)                                                                                          
        on investments.....................                5,877                12,769               14,560           213,779,983  
                                             -------------------  --------------------  -------------------  --------------------  
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................                6,169                14,775               15,693           286,827,800  
                                             -------------------  --------------------  -------------------  --------------------  
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........  $             6,100  $             14,194  $            15,083  $        282,216,929  
                                             ===================  ====================  ===================  ====================  



                                                MIST AMERICAN         MIST AMERICAN                                                
                                               FUNDS BALANCED         FUNDS GROWTH                                                 
                                                 ALLOCATION            ALLOCATION                                                  
                                                 SUB-ACCOUNT           SUB-ACCOUNT                                                 
                                             -------------------  --------------------                                             
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................  $        45,063,018  $         16,505,934                                             
                                             -------------------  --------------------                                             
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................           42,252,390            21,762,771                                             
      Administrative charges...............            8,199,489             4,137,682                                             
                                             -------------------  --------------------                                             
        Total expenses.....................           50,451,879            25,900,453                                             
                                             -------------------  --------------------                                             
           Net investment income (loss)....          (5,388,861)           (9,394,519)                                             
                                             -------------------  --------------------                                             
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........          202,636,315            91,077,385                                             
      Realized gains (losses) on sale of                                                                                           
        investments........................           47,989,589            30,207,659                                             
                                             -------------------  --------------------                                             
           Net realized gains (losses).....          250,625,904           121,285,044                                             
                                             -------------------  --------------------                                             
      Change in unrealized gains (losses)                                                                                          
        on investments.....................          260,897,780           233,109,626                                             
                                             -------------------  --------------------                                             
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................          511,523,684           354,394,670                                             
                                             -------------------  --------------------                                             
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........  $       506,134,823  $        345,000,151                                             
                                             ===================  ====================                                             

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                                      MIST AMERICAN          MIST AQR           MIST BLACKROCK   
                                                 MIST AMERICAN       FUNDS MODERATE         GLOBAL RISK         GLOBAL TACTICAL  
                                                 FUNDS GROWTH          ALLOCATION            BALANCED             STRATEGIES     
                                                  SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                             -------------------  --------------------  -------------------  ------------------- 
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $         2,634,418  $         29,195,296  $        77,169,328  $        71,277,628 
                                             -------------------  --------------------  -------------------  ------------------- 
EXPENSES:                                                                                                                        
      Mortality and expense risk                                                                                                 
        charges............................            7,671,883            22,758,412           43,469,807           61,766,852 
      Administrative charges...............            1,480,530             4,420,275            9,245,161           13,128,334 
                                             -------------------  --------------------  -------------------  ------------------- 
        Total expenses.....................            9,152,413            27,178,687           52,714,968           74,895,186 
                                             -------------------  --------------------  -------------------  ------------------- 
          Net investment income (loss).....          (6,517,995)             2,016,609           24,454,360          (3,617,558) 
                                             -------------------  --------------------  -------------------  ------------------- 
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........           29,294,729            96,296,087          143,800,114          115,215,891 
      Realized gains (losses) on sale of                                                                                         
        investments........................           26,472,567            23,672,085         (12,389,834)           18,039,686 
                                             -------------------  --------------------  -------------------  ------------------- 
          Net realized gains (losses)......           55,767,296           119,968,172          131,410,280          133,255,577 
                                             -------------------  --------------------  -------------------  ------------------- 
      Change in unrealized gains (losses)                                                                                        
        on investments.....................           96,031,643            74,888,275        (347,099,092)          311,060,284 
                                             -------------------  --------------------  -------------------  ------------------- 
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................          151,798,939           194,856,447        (215,688,812)          444,315,861 
                                             -------------------  --------------------  -------------------  ------------------- 
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $       145,280,944  $        196,873,056  $     (191,234,452)  $       440,698,303 
                                             ===================  ====================  ===================  =================== 



                                               MIST BLACKROCK        MIST BLACKROCK        MIST CLARION        MIST CLEARBRIDGE  
                                                 HIGH YIELD          LARGE CAP CORE     GLOBAL REAL ESTATE   AGGRESSIVE GROWTH II
                                                 SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                             -------------------  -------------------  --------------------  --------------------
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $        18,834,222  $           200,349  $         12,947,679   $           651,867
                                             -------------------  -------------------  --------------------  --------------------
EXPENSES:                                                                                                                        
      Mortality and expense risk                                                                                                 
        charges............................            3,567,603              231,165             2,622,102             1,400,541
      Administrative charges...............              670,423               38,903               472,278               257,443
                                             -------------------  -------------------  --------------------  --------------------
        Total expenses.....................            4,238,026              270,068             3,094,380             1,657,984
                                             -------------------  -------------------  --------------------  --------------------
          Net investment income (loss).....           14,596,196             (69,719)             9,853,299           (1,006,117)
                                             -------------------  -------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........            7,625,640                   --                    --                    --
      Realized gains (losses) on sale of                                                                                         
        investments........................            2,016,699              843,040              (92,999)             5,873,060
                                             -------------------  -------------------  --------------------  --------------------
          Net realized gains (losses)......            9,642,339              843,040              (92,999)             5,873,060
                                             -------------------  -------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                        
        on investments.....................          (4,631,091)            3,552,916           (6,455,197)            19,911,595
                                             -------------------  -------------------  --------------------  --------------------
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................            5,011,248            4,395,956           (6,548,196)            25,784,655
                                             -------------------  -------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $        19,607,444  $         4,326,237  $          3,305,103   $        24,778,538
                                             ===================  ===================  ====================  ====================



                                               MIST CLEARBRIDGE    MIST GOLDMAN SACHS                                            
                                               AGGRESSIVE GROWTH      MID CAP VALUE                                              
                                                  SUB-ACCOUNT          SUB-ACCOUNT                                               
                                             -------------------  --------------------                                           
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $           804,033  $          1,444,830                                           
                                             -------------------  --------------------                                           
EXPENSES:                                                                                                                        
      Mortality and expense risk                                                                                                 
        charges............................            4,918,827             2,210,823                                           
      Administrative charges...............              924,636               407,162                                           
                                             -------------------  --------------------                                           
        Total expenses.....................            5,843,463             2,617,985                                           
                                             -------------------  --------------------                                           
          Net investment income (loss).....          (5,039,430)           (1,173,155)                                           
                                             -------------------  --------------------                                           
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........                   --             5,739,462                                           
      Realized gains (losses) on sale of                                                                                         
        investments........................           11,473,473             6,273,913                                           
                                             -------------------  --------------------                                           
          Net realized gains (losses)......           11,473,473            12,013,375                                           
                                             -------------------  --------------------                                           
      Change in unrealized gains (losses)                                                                                        
        on investments.....................          123,052,679            31,704,368                                           
                                             -------------------  --------------------                                           
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................          134,526,152            43,717,743                                           
                                             -------------------  --------------------                                           
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $       129,486,722  $         42,544,588                                           
                                             ===================  ====================                                           

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                    MIST             MIST INVESCO                                             
                                               HARRIS OAKMARK        BALANCED-RISK        MIST INVESCO         MIST INVESCO   
                                                INTERNATIONAL         ALLOCATION            COMSTOCK           MID CAP VALUE  
                                                 SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT   
                                             -------------------  -------------------  ------------------  -------------------
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $        14,919,166  $                --  $        4,115,774  $         1,107,426
                                             -------------------  -------------------  ------------------  -------------------
EXPENSES:                                                                                                                     
      Mortality and expense risk                                                                                              
        charges............................            8,192,161            9,997,790           4,825,998            2,046,225
      Administrative charges...............            1,525,990            2,160,902             964,548              375,754
                                             -------------------  -------------------  ------------------  -------------------
        Total expenses.....................            9,718,151           12,158,692           5,790,546            2,421,979
                                             -------------------  -------------------  ------------------  -------------------
          Net investment income (loss).....            5,201,015         (12,158,692)         (1,674,772)          (1,314,553)
                                             -------------------  -------------------  ------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........                   --            8,370,113                  --                   --
      Realized gains (losses) on sale of                                                                                      
        investments........................           11,702,177            1,706,902           9,703,108            7,722,920
                                             -------------------  -------------------  ------------------  -------------------
          Net realized gains (losses)......           11,702,177           10,077,015           9,703,108            7,722,920
                                             -------------------  -------------------  ------------------  -------------------
      Change in unrealized gains (losses)                                                                                     
        on investments.....................          134,182,838            4,078,692         101,696,056           30,620,411
                                             -------------------  -------------------  ------------------  -------------------
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................          145,885,015           14,155,707         111,399,164           38,343,331
                                             -------------------  -------------------  ------------------  -------------------
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $       151,086,030  $         1,997,015  $      109,724,392  $        37,028,778
                                             ===================  ===================  ==================  ===================


                                                                                          MIST JPMORGAN                       
                                                MIST INVESCO         MIST JPMORGAN        GLOBAL ACTIVE        MIST JPMORGAN  
                                              SMALL CAP GROWTH         CORE BOND           ALLOCATION         SMALL CAP VALUE 
                                                 SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT   
                                             -------------------  ------------------  -------------------  -------------------
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $           622,860  $          920,373  $           402,891  $           180,697
                                             -------------------  ------------------  -------------------  -------------------
EXPENSES:                                                                                                                     
      Mortality and expense risk                                                                                              
        charges............................            3,613,388           4,330,629            6,013,719              395,814
      Administrative charges...............              684,045             828,654            1,323,733               65,410
                                             -------------------  ------------------  -------------------  -------------------
        Total expenses.....................            4,297,433           5,159,283            7,337,452              461,224
                                             -------------------  ------------------  -------------------  -------------------
          Net investment income (loss).....          (3,674,573)         (4,238,910)          (6,934,561)            (280,527)
                                             -------------------  ------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........           15,858,644           1,446,300            2,377,058                   --
      Realized gains (losses) on sale of                                                                                      
        investments........................            8,726,778          23,440,529               52,966            1,241,336
                                             -------------------  ------------------  -------------------  -------------------
          Net realized gains (losses)......           24,585,422          24,886,829            2,430,024            1,241,336
                                             -------------------  ------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                     
        on investments.....................           67,501,884        (36,171,178)           53,369,009            6,048,540
                                             -------------------  ------------------  -------------------  -------------------
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................           92,087,306        (11,284,349)           55,799,033            7,289,876
                                             -------------------  ------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $        88,412,733  $     (15,523,259)  $        48,864,472  $         7,009,349
                                             ===================  ==================  ===================  ===================



                                             MIST LOOMIS SAYLES    MIST LORD ABBETT                                           
                                               GLOBAL MARKETS       BOND DEBENTURE                                            
                                                 SUB-ACCOUNT          SUB-ACCOUNT                                             
                                             -------------------  ------------------                                          
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $         4,375,048  $       17,189,255                                          
                                             -------------------  ------------------                                          
EXPENSES:                                                                                                                     
      Mortality and expense risk                                                                                              
        charges............................            2,402,291           3,595,505                                          
      Administrative charges...............              452,881             629,148                                          
                                             -------------------  ------------------                                          
        Total expenses.....................            2,855,172           4,224,653                                          
                                             -------------------  ------------------                                          
          Net investment income (loss).....            1,519,876          12,964,602                                          
                                             -------------------  ------------------                                          
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........                   --                  --                                          
      Realized gains (losses) on sale of                                                                                      
        investments........................            5,872,725           4,166,635                                          
                                             -------------------  ------------------                                          
          Net realized gains (losses)......            5,872,725           4,166,635                                          
                                             -------------------  ------------------                                          
      Change in unrealized gains (losses)                                                                                     
        on investments.....................           18,236,473         (1,363,498)                                          
                                             -------------------  ------------------                                          
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................           24,109,198           2,803,137                                          
                                             -------------------  ------------------                                          
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $        25,629,074  $       15,767,739                                          
                                             ===================  ==================                                          

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                     MIST           MIST MET/FRANKLIN                                           
                                                MET/EATON VANCE       LOW DURATION     MIST MET/TEMPLETON      MIST METLIFE     
                                                 FLOATING RATE        TOTAL RETURN     INTERNATIONAL BOND   AGGRESSIVE STRATEGY 
                                                  SUB-ACCOUNT          SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT     
                                             -------------------  -------------------  -------------------  ------------------- 
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $         2,232,948  $           893,838  $         1,133,225  $         4,474,444 
                                             -------------------  -------------------  -------------------  ------------------- 
EXPENSES:                                                                                                                       
      Mortality and expense risk                                                                                                
        charges............................              900,105            1,094,957              716,202            8,137,841 
      Administrative charges...............              164,980              208,094              140,116            1,499,478 
                                             -------------------  -------------------  -------------------  ------------------- 
        Total expenses.....................            1,065,085            1,303,051              856,318            9,637,319 
                                             -------------------  -------------------  -------------------  ------------------- 
          Net investment income (loss).....            1,167,863            (409,213)              276,907          (5,162,875) 
                                             -------------------  -------------------  -------------------  ------------------- 
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........              265,827                   --              255,578                   -- 
      Realized gains (losses) on sale of                                                                                        
        investments........................              105,627               31,429            (156,759)            8,803,988 
                                             -------------------  -------------------  -------------------  ------------------- 
          Net realized gains (losses)......              371,454               31,429               98,819            8,803,988 
                                             -------------------  -------------------  -------------------  ------------------- 
      Change in unrealized gains (losses)                                                                                       
        on investments.....................            (202,111)              351,282            (752,953)          141,558,132 
                                             -------------------  -------------------  -------------------  ------------------- 
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................              169,343              382,711            (654,134)          150,362,120 
                                             -------------------  -------------------  -------------------  ------------------- 
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $         1,337,206  $          (26,502)  $         (377,227)  $       145,199,245 
                                             ===================  ===================  ===================  =================== 



                                                MIST METLIFE          MIST METLIFE         MIST METLIFE         MIST METLIFE    
                                                BALANCED PLUS       BALANCED STRATEGY   DEFENSIVE STRATEGY     GROWTH STRATEGY  
                                                 SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT    
                                             -------------------  -------------------  -------------------  --------------------
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $        65,671,911  $       149,909,646  $        65,562,565  $         84,984,230
                                             -------------------  -------------------  -------------------  --------------------
EXPENSES:                                                                                                                       
      Mortality and expense risk                                                                                                
        charges............................           64,042,950           99,177,562           28,901,690            82,512,768
      Administrative charges...............           13,798,627           18,629,342            5,413,398            15,126,933
                                             -------------------  -------------------  -------------------  --------------------
        Total expenses.....................           77,841,577          117,806,904           34,315,088            97,639,701
                                             -------------------  -------------------  -------------------  --------------------
          Net investment income (loss).....         (12,169,666)           32,102,742           31,247,477          (12,655,471)
                                             -------------------  -------------------  -------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........          106,085,395                   --           53,092,452                    --
      Realized gains (losses) on sale of                                                                                        
        investments........................            3,300,639           83,827,637           61,751,261            48,996,687
                                             -------------------  -------------------  -------------------  --------------------
          Net realized gains (losses)......          109,386,034           83,827,637          114,843,713            48,996,687
                                             -------------------  -------------------  -------------------  --------------------
      Change in unrealized gains (losses)                                                                                       
        on investments.....................          560,925,735        1,085,370,764            8,150,548         1,250,387,461
                                             -------------------  -------------------  -------------------  --------------------
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................          670,311,769        1,169,198,401          122,994,261         1,299,384,148
                                             -------------------  -------------------  -------------------  --------------------
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $       658,142,103  $     1,201,301,143  $       154,241,738  $      1,286,728,677
                                             ===================  ===================  ===================  ====================


                                                                      MIST METLIFE                                              
                                                MIST METLIFE           MULTI-INDEX                                              
                                              MODERATE STRATEGY       TARGETED RISK                                             
                                                 SUB-ACCOUNT           SUB-ACCOUNT                                              
                                             -------------------  -------------------                                           
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $        84,759,182  $           471,631                                           
                                             -------------------  -------------------                                           
EXPENSES:                                                                                                                       
      Mortality and expense risk                                                                                                
        charges............................           47,260,820              956,800                                           
      Administrative charges...............            8,890,601              213,949                                           
                                             -------------------  -------------------                                           
        Total expenses.....................           56,151,421            1,170,749                                           
                                             -------------------  -------------------                                           
          Net investment income (loss).....           28,607,761            (699,118)                                           
                                             -------------------  -------------------                                           
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........            6,497,219            3,615,891                                           
      Realized gains (losses) on sale of                                                                                        
        investments........................           54,428,069                1,196                                           
                                             -------------------  -------------------                                           
          Net realized gains (losses)......           60,925,288            3,617,087                                           
                                             -------------------  -------------------                                           
      Change in unrealized gains (losses)                                                                                       
        on investments.....................          327,287,238            7,257,662                                           
                                             -------------------  -------------------                                           
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................          388,212,526           10,874,749                                           
                                             -------------------  -------------------                                           
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $       416,820,287  $        10,175,631                                           
                                             ===================  ===================                                           

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                                          MIST                                                
                                              MIST MFS EMERGING       MFS RESEARCH     MIST MORGAN STANLEY   MIST OPPENHEIMER 
                                               MARKETS EQUITY         INTERNATIONAL      MID CAP GROWTH        GLOBAL EQUITY  
                                                 SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT   
                                             -------------------  -------------------  -------------------  ------------------
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $        4,811,505   $         8,275,334  $         1,254,825  $          190,049
                                             -------------------  -------------------  -------------------  ------------------
EXPENSES:                                                                                                                     
      Mortality and expense risk                                                                                              
        charges............................           5,795,261             4,320,197            2,442,024             579,669
      Administrative charges...............           1,119,941               773,166              509,321             133,512
                                             -------------------  -------------------  -------------------  ------------------
        Total expenses.....................           6,915,202             5,093,363            2,951,345             713,181
                                             -------------------  -------------------  -------------------  ------------------
          Net investment income (loss).....         (2,103,697)             3,181,971          (1,696,520)           (523,132)
                                             -------------------  -------------------  -------------------  ------------------
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........                  --                    --                   --                  --
      Realized gains (losses) on sale of                                                                                      
        investments........................           1,835,792               522,322            2,455,142             471,553
                                             -------------------  -------------------  -------------------  ------------------
          Net realized gains (losses)......           1,835,792               522,322            2,455,142             471,553
                                             -------------------  -------------------  -------------------  ------------------
      Change in unrealized gains (losses)                                                                                     
        on investments.....................        (28,154,915)            47,772,611           64,718,433          11,622,690
                                             -------------------  -------------------  -------------------  ------------------
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................        (26,319,123)            48,294,933           67,173,575          12,094,243
                                             -------------------  -------------------  -------------------  ------------------
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $     (28,422,820)   $        51,476,904  $        65,477,055  $       11,571,111
                                             ===================  ===================  ===================  ==================


                                                    MIST                                                                      
                                               PIMCO INFLATION        MIST PIMCO             MIST              MIST PIONEER   
                                               PROTECTED BOND        TOTAL RETURN        PIONEER FUND        STRATEGIC INCOME 
                                                 SUB-ACCOUNT          SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT   
                                             ------------------  -------------------  -------------------  -------------------
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $       20,321,139  $        90,299,548  $         8,345,878  $        42,197,941
                                             ------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                     
      Mortality and expense risk                                                                                              
        charges............................          12,353,026           27,924,331            3,001,470            9,905,068
      Administrative charges...............           2,311,558            5,148,777              661,711            2,187,565
                                             ------------------  -------------------  -------------------  -------------------
        Total expenses.....................          14,664,584           33,073,108            3,663,181           12,092,633
                                             ------------------  -------------------  -------------------  -------------------
          Net investment income (loss).....           5,656,555           57,226,440            4,682,697           30,105,308
                                             ------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........          54,275,448           41,946,555                   --            2,413,486
      Realized gains (losses) on sale of                                                                                      
        investments........................         (9,555,213)              338,113            4,614,621              934,646
                                             ------------------  -------------------  -------------------  -------------------
          Net realized gains (losses)......          44,720,235           42,284,668            4,614,621            3,348,132
                                             ------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                     
        on investments.....................       (156,230,192)        (175,186,613)           61,555,660         (32,752,219)
                                             ------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................       (111,509,957)        (132,901,945)           66,170,281         (29,404,087)
                                             ------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $    (105,853,402)  $      (75,675,505)  $        70,852,978  $           701,221
                                             ==================  ===================  ===================  ===================



                                                MIST PYRAMIS         MIST PYRAMIS                                             
                                              GOVERNMENT INCOME      MANAGED RISK                                             
                                                 SUB-ACCOUNT        SUB-ACCOUNT (a)                                           
                                             -------------------  ------------------                                          
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $        13,071,961  $          598,784                                          
                                             -------------------  ------------------                                          
EXPENSES:                                                                                                                     
      Mortality and expense risk                                                                                              
        charges............................            9,769,937             286,383                                          
      Administrative charges...............            2,114,851              60,668                                          
                                             -------------------  ------------------                                          
        Total expenses.....................           11,884,788             347,051                                          
                                             -------------------  ------------------                                          
          Net investment income (loss).....            1,187,173             251,733                                          
                                             -------------------  ------------------                                          
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........            8,128,079           1,341,853                                          
      Realized gains (losses) on sale of                                                                                      
        investments........................          (5,369,602)            (10,897)                                          
                                             -------------------  ------------------                                          
          Net realized gains (losses)......            2,758,477           1,330,956                                          
                                             -------------------  ------------------                                          
      Change in unrealized gains (losses)                                                                                     
        on investments.....................         (56,847,411)           1,889,489                                          
                                             -------------------  ------------------                                          
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................         (54,088,934)           3,220,445                                          
                                             -------------------  ------------------                                          
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $      (52,901,761)  $        3,472,178                                          
                                             ===================  ==================                                          

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                MIST SCHRODERS       MIST SSGA GROWTH         MIST SSGA        MIST T. ROWE PRICE 
                                              GLOBAL MULTI-ASSET      AND INCOME ETF         GROWTH ETF          LARGE CAP VALUE  
                                                  SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                             --------------------  -------------------  --------------------  ------------------- 
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................  $             27,512  $        38,910,462  $         10,135,199  $         9,703,207 
                                             --------------------  -------------------  --------------------  ------------------- 
EXPENSES:                                                                                                                         
      Mortality and expense risk                                                                                                  
        charges............................             3,965,836           19,625,254             6,213,087            8,330,375 
      Administrative charges...............               856,921            3,878,354             1,204,388            1,098,308 
                                             --------------------  -------------------  --------------------  ------------------- 
        Total expenses.....................             4,822,757           23,503,608             7,417,475            9,428,683 
                                             --------------------  -------------------  --------------------  ------------------- 
           Net investment income (loss)....           (4,795,245)           15,406,854             2,717,724              274,524 
                                             --------------------  -------------------  --------------------  ------------------- 
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions..........             1,183,030           36,548,485            17,541,690                   -- 
      Realized gains (losses) on sale of                                                                                          
        investments........................               896,710           20,251,017             7,845,129           12,380,070 
                                             --------------------  -------------------  --------------------  ------------------- 
           Net realized gains (losses).....             2,079,740           56,799,502            25,386,819           12,380,070 
                                             --------------------  -------------------  --------------------  ------------------- 
      Change in unrealized gains (losses)                                                                                         
        on investments.....................            31,029,531           92,923,301            44,458,197          154,938,541 
                                             --------------------  -------------------  --------------------  ------------------- 
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments.....................            33,109,271          149,722,803            69,845,016          167,318,611 
                                             --------------------  -------------------  --------------------  ------------------- 
      Net increase (decrease) in net assets                                                                                       
        resulting from operations..........  $         28,314,026  $       165,129,657  $         72,562,740  $       167,593,135 
                                             ====================  ===================  ====================  =================== 


                                              MIST T. ROWE PRICE    MIST THIRD AVENUE    MSF BAILLIE GIFFORD      MSF BARCLAYS    
                                                MID CAP GROWTH       SMALL CAP VALUE     INTERNATIONAL STOCK  AGGREGATE BOND INDEX
                                                  SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                             -------------------  --------------------  --------------------  --------------------
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................  $         1,085,760  $          3,116,142  $            35,486   $          5,044,056
                                             -------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                         
      Mortality and expense risk                                                                                                  
        charges............................            6,995,212             4,315,721            2,684,850              1,989,879
      Administrative charges...............            1,307,457               772,929              516,484                370,173
                                             -------------------  --------------------  --------------------  --------------------
        Total expenses.....................            8,302,669             5,088,650            3,201,334              2,360,052
                                             -------------------  --------------------  --------------------  --------------------
           Net investment income (loss)....          (7,216,909)           (1,972,508)          (3,165,848)              2,684,004
                                             -------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions..........           27,440,112                    --                   --                     --
      Realized gains (losses) on sale of                                                                                          
        investments........................           16,686,809            14,422,998            1,385,436              (145,067)
                                             -------------------  --------------------  --------------------  --------------------
           Net realized gains (losses).....           44,126,921            14,422,998            1,385,436              (145,067)
                                             -------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                         
        on investments.....................          116,792,789            71,078,415           31,198,214            (8,883,122)
                                             -------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments.....................          160,919,710            85,501,413           32,583,650            (9,028,189)
                                             -------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                       
        resulting from operations..........  $       153,702,801  $         83,528,905  $        29,417,802   $        (6,344,185)
                                             ===================  ====================  ====================  ====================


                                                 MSF BLACKROCK        MSF BLACKROCK                                               
                                                  BOND INCOME     CAPITAL APPRECIATION                                            
                                                  SUB-ACCOUNT          SUB-ACCOUNT                                                
                                             -------------------  --------------------                                            
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................  $         2,225,070  $            106,239                                            
                                             -------------------  --------------------                                            
EXPENSES:                                                                                                                         
      Mortality and expense risk                                                                                                  
        charges............................              836,982               189,165                                            
      Administrative charges...............              131,860                29,512                                            
                                             -------------------  --------------------                                            
        Total expenses.....................              968,842               218,677                                            
                                             -------------------  --------------------                                            
           Net investment income (loss)....            1,256,228             (112,438)                                            
                                             -------------------  --------------------                                            
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions..........            1,413,627                    --                                            
      Realized gains (losses) on sale of                                                                                          
        investments........................              102,228               691,188                                            
                                             -------------------  --------------------                                            
           Net realized gains (losses).....            1,515,855               691,188                                            
                                             -------------------  --------------------                                            
      Change in unrealized gains (losses)                                                                                         
        on investments.....................          (4,322,733)             3,229,055                                            
                                             -------------------  --------------------                                            
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments.....................          (2,806,878)             3,920,243                                            
                                             -------------------  --------------------                                            
      Net increase (decrease) in net assets                                                                                       
        resulting from operations..........  $       (1,550,650)  $          3,807,805                                            
                                             ===================  ====================                                            

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]


                                                 MSF BLACKROCK       MSF BLACKROCK           MSF DAVIS          MSF FRONTIER    
                                                LARGE CAP VALUE      MONEY MARKET          VENTURE VALUE       MID CAP GROWTH   
                                                  SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT        SUB-ACCOUNT (a)  
                                             -------------------  -------------------  -------------------  --------------------
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $            47,745  $                --  $         7,934,120  $                 --
                                             -------------------  -------------------  -------------------  --------------------
EXPENSES:                                                                                                                       
      Mortality and expense risk                                                                                                
        charges............................               45,976            6,753,002            8,428,727               758,287
      Administrative charges...............                   --            1,259,595            1,529,806               139,504
                                             -------------------  -------------------  -------------------  --------------------
        Total expenses.....................               45,976            8,012,597            9,958,533               897,791
                                             -------------------  -------------------  -------------------  --------------------
           Net investment income (loss)....                1,769          (8,012,597)          (2,024,413)             (897,791)
                                             -------------------  -------------------  -------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........              184,594                   --           10,467,525                    --
      Realized gains (losses) on sale of                                                                                        
        investments........................               11,833                   --           30,055,792             1,222,819
                                             -------------------  -------------------  -------------------  --------------------
           Net realized gains (losses).....              196,427                   --           40,523,317             1,222,819
                                             -------------------  -------------------  -------------------  --------------------
      Change in unrealized gains (losses)                                                                                       
        on investments.....................              706,190                   --          130,538,788            14,503,587
                                             -------------------  -------------------  -------------------  --------------------
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................              902,617                   --          171,062,105            15,726,406
                                             -------------------  -------------------  -------------------  --------------------
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $           904,386  $       (8,012,597)  $       169,037,692  $         14,828,615
                                             ===================  ===================  ===================  ====================



                                                      MSF          MSF LOOMIS SAYLES     MSF LOOMIS SAYLES     MSF MET/ARTISAN  
                                                JENNISON GROWTH     SMALL CAP CORE       SMALL CAP GROWTH       MID CAP VALUE   
                                                  SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT    
                                             -------------------  -------------------  -------------------  --------------------
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $         1,077,074  $            30,285  $                --  $          1,930,028
                                             -------------------  -------------------  -------------------  --------------------
EXPENSES:                                                                                                                       
      Mortality and expense risk                                                                                                
        charges............................            7,117,305              197,320                1,128             3,423,728
      Administrative charges...............            1,294,771               33,017                  283               587,956
                                             -------------------  -------------------  -------------------  --------------------
        Total expenses.....................            8,412,076              230,337                1,411             4,011,684
                                             -------------------  -------------------  -------------------  --------------------
           Net investment income (loss)....          (7,335,002)            (200,052)              (1,411)           (2,081,656)
                                             -------------------  -------------------  -------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........            5,112,106            1,002,384                   --                    --
      Realized gains (losses) on sale of                                                                                        
        investments........................           15,187,756              980,613               10,812             2,704,503
                                             -------------------  -------------------  -------------------  --------------------
           Net realized gains (losses).....           20,299,862            1,982,997               10,812             2,704,503
                                             -------------------  -------------------  -------------------  --------------------
      Change in unrealized gains (losses)                                                                                       
        on investments.....................          145,943,839            2,464,698               37,804            71,939,639
                                             -------------------  -------------------  -------------------  --------------------
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................          166,243,701            4,447,695               48,616            74,644,142
                                             -------------------  -------------------  -------------------  --------------------
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $       158,908,699  $         4,247,643  $            47,205  $         72,562,486
                                             ===================  ===================  ===================  ====================


                                             MSF MET/DIMENSIONAL       MSF METLIFE                                              
                                             INTERNATIONAL SMALL      CONSERVATIVE                                              
                                                   COMPANY             ALLOCATION                                               
                                                 SUB-ACCOUNT           SUB-ACCOUNT                                              
                                             -------------------  -------------------                                           
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $         1,008,312  $           279,202                                           
                                             -------------------  -------------------                                           
EXPENSES:                                                                                                                       
      Mortality and expense risk                                                                                                
        charges............................              786,753              132,606                                           
      Administrative charges...............              146,029               22,998                                           
                                             -------------------  -------------------                                           
        Total expenses.....................              932,782              155,604                                           
                                             -------------------  -------------------                                           
           Net investment income (loss)....               75,530              123,598                                           
                                             -------------------  -------------------                                           
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........            1,576,427               45,703                                           
      Realized gains (losses) on sale of                                                                                        
        investments........................              477,444              278,592                                           
                                             -------------------  -------------------                                           
           Net realized gains (losses).....            2,053,871              324,295                                           
                                             -------------------  -------------------                                           
      Change in unrealized gains (losses)                                                                                       
        on investments.....................           11,472,763            (227,599)                                           
                                             -------------------  -------------------                                           
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................           13,526,634               96,696                                           
                                             -------------------  -------------------                                           
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $        13,602,164  $           220,294                                           
                                             ===================  ===================                                           

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                  MSF METLIFE                                                      MSF METLIFE     
                                                CONSERVATIVE TO        MSF METLIFE           MSF METLIFE           MODERATE TO     
                                              MODERATE ALLOCATION  MID CAP STOCK INDEX   MODERATE ALLOCATION  AGGRESSIVE ALLOCATION
                                                  SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT     
                                             --------------------  -------------------  --------------------  ---------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................  $            192,977  $         1,146,951  $            854,751   $           798,260 
                                             --------------------  -------------------  --------------------  ---------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................               113,772            1,500,758               636,285               809,065 
      Administrative charges...............                19,027              212,206               107,040               136,956 
                                             --------------------  -------------------  --------------------  ---------------------
        Total expenses.....................               132,799            1,712,964               743,325               946,021 
                                             --------------------  -------------------  --------------------  ---------------------
           Net investment income (loss)....                60,178            (566,013)               111,426             (147,761) 
                                             --------------------  -------------------  --------------------  ---------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........                79,641            3,264,955               348,738                    -- 
      Realized gains (losses) on sale of                                                                                           
        investments........................               126,022            3,699,798               670,193               927,158 
                                             --------------------  -------------------  --------------------  ---------------------
           Net realized gains (losses).....               205,663            6,964,753             1,018,931               927,158 
                                             --------------------  -------------------  --------------------  ---------------------
      Change in unrealized gains (losses)                                                                                          
        on investments.....................               395,866           23,599,476             5,244,250            10,180,246 
                                             --------------------  -------------------  --------------------  ---------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................               601,529           30,564,229             6,263,181            11,107,404 
                                             --------------------  -------------------  --------------------  ---------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........  $            661,707  $        29,998,216  $          6,374,607   $        10,959,643 
                                             ====================  ===================  ====================  =====================



                                                  MSF METLIFE              MSF                  MSF                MSF MSCI        
                                                  STOCK INDEX       MFS TOTAL RETURN         MFS VALUE            EAFE INDEX       
                                                  SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT      
                                             -------------------  --------------------  -------------------  --------------------  
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................  $         8,570,152  $            938,479  $         1,008,807  $          2,867,071  
                                             -------------------  --------------------  -------------------  --------------------  
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................            7,336,639               565,222            2,492,653             1,277,623  
      Administrative charges...............            1,106,897                75,767              436,300               200,820  
                                             -------------------  --------------------  -------------------  --------------------  
        Total expenses.....................            8,443,536               640,989            2,928,953             1,478,443  
                                             -------------------  --------------------  -------------------  --------------------  
           Net investment income (loss)....              126,616               297,490          (1,920,146)             1,388,628  
                                             -------------------  --------------------  -------------------  --------------------  
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........            7,693,711                    --            1,722,437                    --  
      Realized gains (losses) on sale of                                                                                           
        investments........................           15,797,044               439,651            3,468,253             1,008,944  
                                             -------------------  --------------------  -------------------  --------------------  
           Net realized gains (losses).....           23,490,755               439,651            5,190,690             1,008,944  
                                             -------------------  --------------------  -------------------  --------------------  
      Change in unrealized gains (losses)                                                                                          
        on investments.....................          106,939,595             5,520,960           43,048,658            15,456,919  
                                             -------------------  --------------------  -------------------  --------------------  
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................          130,430,350             5,960,611           48,239,348            16,465,863  
                                             -------------------  --------------------  -------------------  --------------------  
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........  $       130,556,966  $          6,258,101  $        46,319,202  $         17,854,491  
                                             ===================  ====================  ===================  ====================  



                                                MSF NEUBERGER              MSF                                                     
                                               BERMAN GENESIS      RUSSELL 2000 INDEX                                              
                                                 SUB-ACCOUNT           SUB-ACCOUNT                                                 
                                             -------------------  -------------------                                              
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................  $           108,234  $         1,470,662                                              
                                             -------------------  -------------------                                              
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................            1,557,555            1,497,893                                              
      Administrative charges...............              252,687              252,496                                              
                                             -------------------  -------------------                                              
        Total expenses.....................            1,810,242            1,750,389                                              
                                             -------------------  -------------------                                              
           Net investment income (loss)....          (1,702,008)            (279,727)                                              
                                             -------------------  -------------------                                              
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........                   --                   --                                              
      Realized gains (losses) on sale of                                                                                           
        investments........................            2,307,614            2,980,519                                              
                                             -------------------  -------------------                                              
           Net realized gains (losses).....            2,307,614            2,980,519                                              
                                             -------------------  -------------------                                              
      Change in unrealized gains (losses)                                                                                          
        on investments.....................           36,584,374           32,072,788                                              
                                             -------------------  -------------------                                              
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................           38,891,988           35,053,307                                              
                                             -------------------  -------------------                                              
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........  $        37,189,980  $        34,773,580                                              
                                             ===================  ===================                                              

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                                                             MSF VAN ECK       MSF WESTERN ASSET 
                                               MSF T. ROWE PRICE    MSF T. ROWE PRICE      GLOBAL NATURAL         MANAGEMENT     
                                               LARGE CAP GROWTH     SMALL CAP GROWTH          RESOURCES         U.S. GOVERNMENT  
                                                  SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT    
                                             --------------------  -------------------  -------------------  --------------------
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $              1,258  $            19,657  $           747,749  $          5,946,946
                                             --------------------  -------------------  -------------------  --------------------
EXPENSES:                                                                                                                        
      Mortality and expense risk                                                                                                 
        charges............................             1,153,862              125,872            1,458,759             3,638,967
      Administrative charges...............               208,703               12,195              281,714               760,986
                                             --------------------  -------------------  -------------------  --------------------
        Total expenses.....................             1,362,565              138,067            1,740,473             4,399,953
                                             --------------------  -------------------  -------------------  --------------------
           Net investment income (loss)....           (1,361,307)            (118,410)            (992,724)             1,546,993
                                             --------------------  -------------------  -------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........                    --              476,803                   --                    --
      Realized gains (losses) on sale of                                                                                         
        investments........................             1,274,164              713,962          (2,668,683)                12,769
                                             --------------------  -------------------  -------------------  --------------------
           Net realized gains (losses).....             1,274,164            1,190,765          (2,668,683)                12,769
                                             --------------------  -------------------  -------------------  --------------------
      Change in unrealized gains (losses)                                                                                        
        on investments.....................            29,734,972            2,047,671           13,797,608           (8,825,000)
                                             --------------------  -------------------  -------------------  --------------------
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................            31,009,136            3,238,436           11,128,925           (8,812,231)
                                             --------------------  -------------------  -------------------  --------------------
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $         29,647,829  $         3,120,026  $        10,136,201  $        (7,265,238)
                                             ====================  ===================  ===================  ====================


                                                                                           OPPENHEIMER VA                        
                                                   NEUBERGER         OPPENHEIMER VA       GLOBAL STRATEGIC      OPPENHEIMER VA   
                                                BERMAN GENESIS          CORE BOND              INCOME             MAIN STREET    
                                                  SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT    
                                             --------------------  -------------------  --------------------  -------------------
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $                 30  $               459  $                226  $             1,023
                                             --------------------  -------------------  --------------------  -------------------
EXPENSES:                                                                                                                        
      Mortality and expense risk                                                                                                 
        charges............................                    83                  124                    62                1,303
      Administrative charges...............                    --                   --                    --                   --
                                             --------------------  -------------------  --------------------  -------------------
        Total expenses.....................                    83                  124                    62                1,303
                                             --------------------  -------------------  --------------------  -------------------
           Net investment income (loss)....                  (53)                  335                   164                (280)
                                             --------------------  -------------------  --------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........                   714                   --                    --                   --
      Realized gains (losses) on sale of                                                                                         
        investments........................                    35                (126)                     8                1,403
                                             --------------------  -------------------  --------------------  -------------------
           Net realized gains (losses).....                   749                (126)                     8                1,403
                                             --------------------  -------------------  --------------------  -------------------
      Change in unrealized gains (losses)                                                                                        
        on investments.....................                 2,197                (342)                 (240)               23,373
                                             --------------------  -------------------  --------------------  -------------------
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................                 2,946                (468)                 (232)               24,776
                                             --------------------  -------------------  --------------------  -------------------
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $              2,893  $             (133)  $               (68)  $            24,496
                                             ====================  ===================  ====================  ===================


                                                OPPENHEIMER VA                                                                   
                                                  MAIN STREET        OPPENHEIMER VA                                              
                                                   SMALL CAP              MONEY                                                  
                                                  SUB-ACCOUNT          SUB-ACCOUNT                                               
                                             -------------------  --------------------                                           
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $           782,829  $                  1                                           
                                             -------------------  --------------------                                           
EXPENSES:                                                                                                                        
      Mortality and expense risk                                                                                                 
        charges............................            1,229,635                   103                                           
      Administrative charges...............              278,491                    --                                           
                                             -------------------  --------------------                                           
        Total expenses.....................            1,508,126                   103                                           
                                             -------------------  --------------------                                           
           Net investment income (loss)....            (725,297)                 (102)                                           
                                             -------------------  --------------------                                           
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........            1,350,984                    --                                           
      Realized gains (losses) on sale of                                                                                         
        investments........................            4,979,504                    --                                           
                                             -------------------  --------------------                                           
           Net realized gains (losses).....            6,330,488                    --                                           
                                             -------------------  --------------------                                           
      Change in unrealized gains (losses)                                                                                        
        on investments.....................           30,298,071                    --                                           
                                             -------------------  --------------------                                           
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................           36,628,559                    --                                           
                                             -------------------  --------------------                                           
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $        35,903,262  $              (102)                                           
                                             ===================  ====================                                           

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                  PIONEER VCT           PIONEER VCT           PIONEER VCT                          
                                               DISCIPLINED VALUE     EMERGING MARKETS        EQUITY INCOME                         
                                                  SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT                          
                                             --------------------  --------------------  --------------------                      
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $             33,900  $              6,728  $             13,722                      
                                             --------------------  --------------------  --------------------                      
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges.............................               26,992                 9,857                 8,766                      
      Administrative charges................                5,310                 1,825                 1,488                      
                                             --------------------  --------------------  --------------------                      
        Total expenses......................               32,302                11,682                10,254                      
                                             --------------------  --------------------  --------------------                      
           Net investment income (loss).....                1,598               (4,954)                 3,468                      
                                             --------------------  --------------------  --------------------                      
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........               92,595                    --                    --                      
      Realized gains (losses) on sale of                                                                                           
        investments.........................              192,052                 (140)                17,885                      
                                             --------------------  --------------------  --------------------                      
           Net realized gains (losses)......              284,647                 (140)                17,885                      
                                             --------------------  --------------------  --------------------                      
      Change in unrealized gains (losses)                                                                                          
        on investments......................              226,657              (21,981)               119,241                      
                                             --------------------  --------------------  --------------------                      
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................              511,304              (22,121)               137,126                      
                                             --------------------  --------------------  --------------------                      
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $            512,902  $           (27,075)  $            140,594                      
                                             ====================  ====================  ====================                      


                                             PIONEER VCT IBBOTSON   PIONEER VCT IBBOTSON       PIONEER VCT                         
                                               GROWTH ALLOCATION     MODERATE ALLOCATION      MID CAP VALUE                        
                                                  SUB-ACCOUNT            SUB-ACCOUNT           SUB-ACCOUNT                         
                                             ---------------------  --------------------  --------------------                     
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $            347,071   $            683,149  $            485,690                     
                                             ---------------------  --------------------  --------------------                     
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges.............................              275,205                380,909               744,843                     
      Administrative charges................               49,137                 73,997               163,063                     
                                             ---------------------  --------------------  --------------------                     
        Total expenses......................              324,342                454,906               907,906                     
                                             ---------------------  --------------------  --------------------                     
           Net investment income (loss).....               22,729                228,243             (422,216)                     
                                             ---------------------  --------------------  --------------------                     
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   --                     --                    --                     
      Realized gains (losses) on sale of                                                                                           
        investments.........................              774,226                856,488               856,609                     
                                             ---------------------  --------------------  --------------------                     
           Net realized gains (losses)......              774,226                856,488               856,609                     
                                             ---------------------  --------------------  --------------------                     
      Change in unrealized gains (losses)                                                                                          
        on investments......................            2,367,042              2,920,605            16,961,029                     
                                             ---------------------  --------------------  --------------------                     
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................            3,141,268              3,777,093            17,817,638                     
                                             ---------------------  --------------------  --------------------                     
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $          3,163,997   $          4,005,336  $         17,395,422                     
                                             =====================  ====================  ====================                     


                                                  PIONEER VCT          T. ROWE PRICE         T. ROWE PRICE         T. ROWE PRICE   
                                              REAL ESTATE SHARES       GROWTH STOCK       INTERNATIONAL STOCK      PRIME RESERVE   
                                                  SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $              5,332  $              3,193  $              6,278  $                 90
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges.............................                3,363                64,013                 5,775                 6,429
      Administrative charges................                  610                    --                    --                    --
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................                3,973                64,013                 5,775                 6,429
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....                1,359              (60,820)                   503               (6,339)
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........               11,293                    --                    --                    --
      Realized gains (losses) on sale of                                                                                           
        investments.........................                6,764               357,589                10,324                    --
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......               18,057               357,589                10,324                    --
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................             (19,131)             2,047,793                71,247                    --
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................              (1,074)             2,405,382                81,571                    --
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $                285  $          2,344,562  $             82,074  $            (6,339)
                                             ====================  ====================  ====================  ====================

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONCLUDED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                                                                              UIF U.S. REAL ESTATE
                                                                                                                   SUB-ACCOUNT    
                                                                                                              --------------------
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends.............................................................................................. $          1,095,338
                                                                                                              --------------------
EXPENSES:                                                                                                                         
      Mortality and expense risk                                                                                                  
         charges.............................................................................................            1,166,803
      Administrative charges.................................................................................              251,502
                                                                                                              --------------------
         Total expenses......................................................................................            1,418,305
                                                                                                              --------------------
           Net investment income (loss)......................................................................            (322,967)
                                                                                                              --------------------
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions............................................................................                   --
      Realized gains (losses) on sale of                                                                                          
         investments.........................................................................................             (34,211)
                                                                                                              --------------------
           Net realized gains (losses).......................................................................             (34,211)
                                                                                                              --------------------
      Change in unrealized gains (losses)                                                                                         
         on investments......................................................................................              392,749
                                                                                                              --------------------
      Net realized and change in                                                                                                  
         unrealized gains (losses)                                                                                                
         on investments......................................................................................              358,538
                                                                                                              --------------------
      Net increase (decrease) in net assets                                                                                       
         resulting from operations........................................................................... $             35,571
                                                                                                              ====================

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS   
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]


                                         ALGER SMALL CAP GROWTH                 AMERICAN FUNDS BOND        
                                               SUB-ACCOUNT                          SUB-ACCOUNT            
                                    ----------------------------------  ---------------------------------- 
                                          2013              2012              2013              2012       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $      (795,350)  $      (722,308)  $        718,730  $      1,653,836 
   Net realized gains (losses)....         8,468,060        11,906,761         1,750,573           253,909 
   Change in unrealized gains                                                                              
     (losses) on investments......         8,688,799       (5,650,965)       (7,601,790)         2,948,249 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        16,361,509         5,533,488       (5,132,487)         4,855,994 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         1,617,076         1,749,806        11,875,043        21,553,499 
   Net transfers (including fixed                                                                          
     account).....................       (2,035,008)       (2,146,454)        11,294,017         6,190,229 
   Contract charges...............           (8,421)           (8,644)       (1,263,411)       (1,049,405) 
   Transfers for contract benefits                                                                         
     and terminations.............       (4,789,042)       (4,042,118)       (9,827,827)       (9,034,568) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       (5,215,395)       (4,447,410)        12,077,822        17,659,755 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............        11,146,114         1,086,078         6,945,335        22,515,749 
NET ASSETS:                                                                                                
   Beginning of year..............        52,626,085        51,540,007       139,213,016       116,697,267 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $     63,772,199  $     52,626,085  $    146,158,351  $    139,213,016 
                                    ================  ================  ================  ================ 


                                                                                   AMERICAN FUNDS          
                                       AMERICAN FUNDS GLOBAL GROWTH          GLOBAL SMALL CAPITALIZATION   
                                                SUB-ACCOUNT                          SUB-ACCOUNT           
                                    -----------------------------------  ----------------------------------
                                           2013              2012              2013              2012      
                                     ----------------  ----------------  ----------------  ----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...   $      (526,928)  $    (1,236,453)  $      (549,405)  $        (8,448)
   Net realized gains (losses)....          3,982,592           425,004         1,957,425         (334,212)
   Change in unrealized gains                                                                              
     (losses) on investments......         65,109,148        43,480,973        25,083,432        13,744,703
                                     ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............         68,564,812        42,669,524        26,491,452        13,402,043
                                     ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         23,766,765        31,342,210        10,382,354        12,386,247
   Net transfers (including fixed                                                                          
     account).....................        (8,540,368)       (1,972,607)       (3,851,967)         1,926,520
   Contract charges...............        (2,337,645)       (1,839,723)         (874,487)         (658,312)
   Transfers for contract benefits                                                                         
     and terminations.............       (17,922,689)      (19,364,261)       (6,349,695)       (5,472,040)
                                     ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......        (5,033,937)         8,165,619         (693,795)         8,182,415
                                     ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets..............         63,530,875        50,835,143        25,797,657        21,584,458
NET ASSETS:                                                                                                
   Beginning of year..............        251,295,328       200,460,185        98,386,346        76,801,888
                                     ----------------  ----------------  ----------------  ----------------
   End of year....................   $    314,826,203  $    251,295,328  $    124,184,003  $     98,386,346
                                     ================  ================  ================  ================



                                           AMERICAN FUNDS GROWTH          AMERICAN FUNDS GROWTH-INCOME     
                                                SUB-ACCOUNT                        SUB-ACCOUNT             
                                    ----------------------------------  ---------------------------------- 
                                          2013              2012              2013              2012       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $    (4,016,566)  $    (4,250,325)  $      (469,223)  $        406,074 
   Net realized gains (losses)....        16,990,100         1,880,290         6,900,940           800,760 
   Change in unrealized gains                                                                              
     (losses) on investments......       182,361,798        97,631,196        89,831,743        41,809,198 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............       195,335,332        95,261,161        96,263,460        43,016,032 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........        48,884,879        88,690,008        21,737,754        34,344,085 
   Net transfers (including fixed                                                                          
     account).....................      (28,227,693)      (11,631,864)      (13,953,890)       (9,765,377) 
   Contract charges...............       (6,793,715)       (5,467,039)       (2,765,946)       (2,277,742) 
   Transfers for contract benefits                                                                         
     and terminations.............      (49,304,587)      (47,623,908)      (25,784,839)      (24,882,456) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......      (35,441,116)        23,967,197      (20,766,921)       (2,581,490) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............       159,894,216       119,228,358        75,496,539        40,434,542 
NET ASSETS:                                                                                                
   Beginning of year..............       696,665,988       577,437,630       312,823,451       272,388,909 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    856,560,204  $    696,665,988  $    388,319,990  $    312,823,451 
                                    ================  ================  ================  ================ 



                                            DWS I INTERNATIONAL                                            
                                                SUB-ACCOUNT                                                
                                    -----------------------------------                                    
                                           2013              2012                                          
                                     ----------------  ----------------                                    
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...   $        689,035  $        135,664                                    
   Net realized gains (losses)....          (490,812)         (950,927)                                    
   Change in unrealized gains                                                                              
     (losses) on investments......          2,799,643         3,633,463                                    
                                     ----------------  ----------------                                    
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............          2,997,866         2,818,200                                    
                                     ----------------  ----------------                                    
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........            653,441           815,123                                    
   Net transfers (including fixed                                                                          
     account).....................          (612,834)         (890,959)                                    
   Contract charges...............            (1,860)           (2,073)                                    
   Transfers for contract benefits                                                                         
     and terminations.............        (1,377,035)       (1,466,360)                                    
                                     ----------------  ----------------                                    
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......        (1,338,288)       (1,544,269)                                    
                                     ----------------  ----------------                                    
     Net increase (decrease)                                                                               
       in net assets..............          1,659,578         1,273,931                                    
NET ASSETS:                                                                                                
   Beginning of year..............         16,933,216        15,659,285                                    
                                     ----------------  ----------------                                    
   End of year....................   $     18,592,794  $     16,933,216                                    
                                     ================  ================                                    

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                        FEDERATED HIGH INCOME BOND               FEDERATED KAUFMAN          
                                                SUB-ACCOUNT                         SUB-ACCOUNT             
                                    ----------------------------------  ----------------------------------- 
                                          2013              2012              2013               2012       
                                    ----------------  ----------------  ----------------  ----------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $          1,375  $          2,033  $          (544)  $           (620) 
   Net realized gains (losses).....               --             (596)             3,616              3,375 
   Change in unrealized gains                                                                               
     (losses) on investments.......              (4)             1,882             9,524              5,499 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............            1,371             3,319            12,596              8,254 
                                    ----------------  ----------------  ----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........               --                --                --                 -- 
   Net transfers (including fixed                                                                           
     account)......................               --                --                --                 -- 
   Contract charges................               --                --                --                 -- 
   Transfers for contract benefits                                                                          
     and terminations..............            (113)           (8,983)           (1,113)           (33,284) 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......            (113)           (8,983)           (1,113)           (33,284) 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                
        in net assets..............            1,258           (5,664)            11,483           (25,030) 
NET ASSETS:                                                                                                 
   Beginning of year...............           24,908            30,572            33,424             58,454 
                                    ----------------  ----------------  ----------------  ----------------- 
   End of year..................... $         26,166  $         24,908  $         44,907  $          33,424 
                                    ================  ================  ================  ================= 


                                        FIDELITY VIP ASSET MANAGER             FIDELITY VIP CONTRAFUND      
                                                SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -----------------------------------  -----------------------------------
                                          2013               2012              2013               2012      
                                    ----------------  -----------------  ----------------  -----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $        166,950  $         116,307  $    (1,697,392)  $         (6,154)
   Net realized gains (losses).....          806,245            304,655        11,601,258          2,083,421
   Change in unrealized gains                                                                               
     (losses) on investments.......       10,480,801          8,735,876       130,225,189         56,443,738
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............       11,453,996          9,156,838       140,129,055         58,521,005
                                    ----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........        1,646,197          2,107,703        46,614,319         63,383,760
   Net transfers (including fixed                                                                           
     account)......................      (2,338,518)        (3,535,616)       (6,126,568)        (8,285,062)
   Contract charges................         (12,381)           (13,367)       (2,923,183)        (2,022,747)
   Transfers for contract benefits                                                                          
     and terminations..............      (8,115,163)        (9,146,543)      (36,834,423)       (29,010,195)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......      (8,819,865)       (10,587,823)           730,145         24,065,756
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets..............        2,634,131        (1,430,985)       140,859,200         82,586,761
NET ASSETS:                                                                                                 
   Beginning of year...............       85,640,352         87,071,337       471,113,726        388,526,965
                                    ----------------  -----------------  ----------------  -----------------
   End of year..................... $     88,274,483  $      85,640,352  $    611,972,926  $     471,113,726
                                    ================  =================  ================  =================


                                        FIDELITY VIP EQUITY-INCOME          FIDELITY VIP FUNDSMANAGER 50%   
                                                SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -----------------------------------  -----------------------------------
                                          2013               2012              2013             2012 (a)    
                                    ----------------  -----------------  ----------------  -----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $         58,439  $          88,287  $    (5,248,600)  $       3,619,602
   Net realized gains (losses).....          367,626            240,155        10,771,735          1,127,805
   Change in unrealized gains                                                                               
     (losses) on investments.......          916,971            493,771       141,257,707          (985,620)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............        1,343,036            822,213       146,780,842          3,761,787
                                    ----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........           24,011             21,089                --            381,250
   Net transfers (including fixed                                                                           
     account)......................         (72,869)          (148,657)     1,474,414,428        440,849,283
   Contract charges................               --                 --                --                 --
   Transfers for contract benefits                                                                          
     and terminations..............        (862,819)          (661,322)      (31,224,567)        (1,169,235)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......        (911,677)          (788,890)     1,443,189,861        440,061,298
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets..............          431,359             33,323     1,589,970,703        443,823,085
NET ASSETS:                                                                                                 
   Beginning of year...............        5,523,241          5,489,918       443,823,085                 --
                                    ----------------  -----------------  ----------------  -----------------
   End of year..................... $      5,954,600  $       5,523,241  $  2,033,793,788  $     443,823,085
                                    ================  =================  ================  =================


                                       FIDELITY VIP FUNDSMANAGER 60%                                        
                                                SUB-ACCOUNT                                                 
                                    ----------------------------------                                      
                                          2013              2012                                            
                                    ----------------  ----------------                                      
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $   (31,238,110)  $   (14,844,402)                                      
   Net realized gains (losses).....      171,159,819        16,912,548                                      
   Change in unrealized gains                                                                               
     (losses) on investments.......      435,136,185       273,609,789                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............      575,057,894       275,677,935                                      
                                    ----------------  ----------------                                      
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........        5,496,546           660,878                                      
   Net transfers (including fixed                                                                           
     account)......................               --       846,845,524                                      
   Contract charges................               --                --                                      
   Transfers for contract benefits                                                                          
     and terminations..............    (145,663,704)     (118,152,514)                                      
                                    ----------------  ----------------                                      
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......    (140,167,158)       729,353,888                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
        in net assets..............      434,890,736     1,005,031,823                                      
NET ASSETS:                                                                                                 
   Beginning of year...............    3,596,633,088     2,591,601,265                                      
                                    ----------------  ----------------                                      
   End of year..................... $  4,031,523,824  $  3,596,633,088                                      
                                    ================  ================                                      

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]


                                            FIDELITY VIP GROWTH                 FIDELITY VIP INDEX 500         
                                                SUB-ACCOUNT                           SUB-ACCOUNT              
                                    ------------------------------------  -----------------------------------  
                                          2013               2012               2013               2012        
                                    -----------------  -----------------  -----------------  ----------------  
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss).... $     (1,579,739)  $     (1,080,859)  $         325,124  $        419,770  
   Net realized gains (losses).....         4,112,179          1,666,126          2,857,955         1,679,198  
   Change in unrealized gains                                                                                  
     (losses) on investments.......        41,938,391         16,522,108         14,178,938         6,239,811  
                                    -----------------  -----------------  -----------------  ----------------  
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations............        44,470,831         17,107,375         17,362,017         8,338,779  
                                    -----------------  -----------------  -----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from contract owners..........         3,349,924          4,112,950                 --                --  
   Net transfers (including fixed                                                                              
     account)......................       (5,049,310)        (4,169,183)        (2,603,865)       (1,951,671)  
   Contract charges................          (22,025)           (23,334)           (23,942)          (24,093)  
   Transfers for contract benefits                                                                             
     and terminations..............      (13,580,293)       (12,203,205)        (6,041,583)       (5,440,312)  
                                    -----------------  -----------------  -----------------  ----------------  
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        contract transactions......      (15,301,704)       (12,282,772)        (8,669,390)       (7,416,076)  
                                    -----------------  -----------------  -----------------  ----------------  
     Net increase (decrease)                                                                                   
        in net assets..............        29,169,127          4,824,603          8,692,627           922,703  
NET ASSETS:                                                                                                    
   Beginning of year...............       136,799,312        131,974,709         60,984,620        60,061,917  
                                    -----------------  -----------------  -----------------  ----------------  
   End of year..................... $     165,968,439  $     136,799,312  $      69,677,247  $     60,984,620  
                                    =================  =================  =================  ================  



                                           FIDELITY VIP MID CAP                 FIDELITY VIP MONEY MARKET      
                                                SUB-ACCOUNT                            SUB-ACCOUNT             
                                    -----------------------------------  --------------------------------------
                                          2013               2012               2013                2012       
                                    ----------------  -----------------  ------------------  ------------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss).... $    (4,216,245)  $     (2,734,101)   $     (1,597,325)   $     (1,393,275)
   Net realized gains (losses).....       56,577,725         26,034,787                  --                  --
   Change in unrealized gains                                                                                  
     (losses) on investments.......       61,592,202          9,833,446                  --                  --
                                    ----------------  -----------------  ------------------  ------------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations............      113,953,682         33,134,132         (1,597,325)         (1,393,275)
                                    ----------------  -----------------  ------------------  ------------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from contract owners..........       45,946,288         64,821,528       1,482,045,626       1,295,167,554
   Net transfers (including fixed                                                                              
     account)......................     (13,593,184)          8,880,545     (1,474,484,969)     (1,289,660,954)
   Contract charges................      (3,645,078)        (2,508,522)             (3,153)             (3,912)
   Transfers for contract benefits                                                                             
     and terminations..............     (20,912,658)       (17,196,292)         (3,464,232)         (3,518,646)
                                    ----------------  -----------------  ------------------  ------------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        contract transactions......        7,795,368         53,997,259           4,093,272           1,984,042
                                    ----------------  -----------------  ------------------  ------------------
     Net increase (decrease)                                                                                   
        in net assets..............      121,749,050         87,131,391           2,495,947             590,767
NET ASSETS:                                                                                                    
   Beginning of year...............      324,832,892        237,701,501          73,659,399          73,068,632
                                    ----------------  -----------------  ------------------  ------------------
   End of year..................... $    446,581,942  $     324,832,892   $      76,155,346   $      73,659,399
                                    ================  =================  ==================  ==================



                                           FIDELITY VIP OVERSEAS          FTVIPT FRANKLIN INCOME SECURITIES    
                                                SUB-ACCOUNT                          SUB-ACCOUNT               
                                    ----------------------------------  ------------------------------------   
                                          2013              2012               2013               2012         
                                    ----------------  ----------------  -----------------  -----------------   
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss).... $          5,035  $         35,712  $      13,802,960  $      11,781,681   
   Net realized gains (losses).....           11,595          (91,435)            335,927          (143,328)   
   Change in unrealized gains                                                                                  
     (losses) on investments.......        1,380,290           930,242         18,152,582         12,601,025   
                                    ----------------  ----------------  -----------------  -----------------   
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations............        1,396,920           874,519         32,291,469         24,239,378   
                                    ----------------  ----------------  -----------------  -----------------   
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from contract owners..........           83,529            98,285         24,164,029         38,977,808   
   Net transfers (including fixed                                                                              
     account)......................        (260,389)           (2,174)         10,135,357          6,367,446   
   Contract charges................             (46)              (60)        (2,217,562)        (1,667,113)   
   Transfers for contract benefits                                                                             
     and terminations..............        (535,530)         (393,725)       (19,716,164)       (21,364,327)   
                                    ----------------  ----------------  -----------------  -----------------   
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        contract transactions......        (712,436)         (297,674)         12,365,660         22,313,814   
                                    ----------------  ----------------  -----------------  -----------------   
     Net increase (decrease)                                                                                   
        in net assets..............          684,484           576,845         44,657,129         46,553,192   
NET ASSETS:                                                                                                    
   Beginning of year...............        5,241,037         4,664,192        253,164,341        206,611,149   
                                    ----------------  ----------------  -----------------  -----------------   
   End of year..................... $      5,925,521  $      5,241,037  $     297,821,470  $     253,164,341   
                                    ================  ================  =================  =================   


                                              FTVIPT FRANKLIN                                                  
                                        SMALL CAP VALUE SECURITIES                                             
                                                SUB-ACCOUNT                                                    
                                    ----------------------------------                                         
                                          2013              2012                                               
                                    ----------------  ----------------                                         
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss).... $       (24,107)  $      (382,615)                                         
   Net realized gains (losses).....        3,335,986            82,294                                         
   Change in unrealized gains                                                                                  
     (losses) on investments.......       28,858,586        11,355,727                                         
                                    ----------------  ----------------                                         
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations............       32,170,465        11,055,406                                         
                                    ----------------  ----------------                                         
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from contract owners..........       18,861,799        26,752,367                                         
   Net transfers (including fixed                                                                              
     account)......................      (3,726,532)           831,747                                         
   Contract charges................      (1,067,656)         (582,013)                                         
   Transfers for contract benefits                                                                             
     and terminations..............      (4,485,166)       (2,467,131)                                         
                                    ----------------  ----------------                                         
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        contract transactions......        9,582,445        24,534,970                                         
                                    ----------------  ----------------                                         
     Net increase (decrease)                                                                                   
        in net assets..............       41,752,910        35,590,376                                         
NET ASSETS:                                                                                                    
   Beginning of year...............       86,296,073        50,705,697                                         
                                    ----------------  ----------------                                         
   End of year..................... $    128,048,983  $     86,296,073                                         
                                    ================  ================                                         

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                         FTVIPT                 
                                        FTVIPT MUTUAL SHARES SECURITIES       TEMPLETON FOREIGN SECURITIES      
                                                  SUB-ACCOUNT                          SUB-ACCOUNT              
                                     ------------------------------------  ------------------------------------ 
                                            2013               2012              2013               2012        
                                     -----------------  -----------------  -----------------  ----------------- 
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $       1,028,572  $         828,209  $         479,595  $         905,498 
   Net realized gains (losses)......         1,531,390          (351,542)            527,295          (666,651) 
   Change in unrealized gains                                                                                   
     (losses) on investments........        31,136,595         14,415,530         14,782,128         11,238,272 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............        33,696,557         14,892,197         15,789,018         11,477,119 
                                     -----------------  -----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from contract owners...........         7,934,359         13,759,082          1,244,169          6,029,850 
   Net transfers (including fixed                                                                               
     account).......................       (3,863,825)        (3,146,458)        (3,114,726)            396,235 
   Contract charges.................       (1,093,363)          (879,739)          (910,114)          (813,888) 
   Transfers for contract benefits                                                                              
     and terminations...............      (10,375,719)       (13,377,390)        (6,075,431)        (5,310,132) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        contract transactions.......       (7,398,548)        (3,644,505)        (8,856,102)            302,065 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets...............        26,298,009         11,247,692          6,932,916         11,779,184 
NET ASSETS:                                                                                                     
   Beginning of year................       129,780,562        118,532,870         80,788,377         69,009,193 
                                     -----------------  -----------------  -----------------  ----------------- 
   End of year...................... $     156,078,571  $     129,780,562  $      87,721,293  $      80,788,377 
                                     =================  =================  =================  ================= 


                                                   FTVIPT                                                       
                                      TEMPLETON GLOBAL BOND SECURITIES        INVESCO V.I. AMERICAN FRANCHISE   
                                                 SUB-ACCOUNT                            SUB-ACCOUNT             
                                     ------------------------------------  ------------------------------------ 
                                           2013               2012                2013               2012       
                                     -----------------  -----------------  -----------------  ----------------- 
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $       8,251,988  $       9,308,296  $         (1,401)  $         (1,969) 
   Net realized gains (losses)......         2,892,611            305,792              4,184              4,261 
   Change in unrealized gains                                                                                   
     (losses) on investments........      (10,624,497)         12,966,460             44,589              5,620 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............           520,102         22,580,548             47,372              7,912 
                                     -----------------  -----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from contract owners...........        31,796,531         55,695,235                 --                  3 
   Net transfers (including fixed                                                                               
     account).......................        20,195,269          8,138,828            (8,489)             88,752 
   Contract charges.................       (2,382,478)        (1,598,059)                 --                 -- 
   Transfers for contract benefits                                                                              
     and terminations...............      (12,509,439)        (7,739,164)           (25,032)           (36,838) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        contract transactions.......        37,099,883         54,496,840           (33,521)             51,917 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets...............        37,619,985         77,077,388             13,851             59,829 
NET ASSETS:                                                                                                     
   Beginning of year................       217,063,429        139,986,041            149,862             90,033 
                                     -----------------  -----------------  -----------------  ----------------- 
   End of year...................... $     254,683,414  $     217,063,429  $         163,713  $         149,862 
                                     =================  =================  =================  ================= 



                                          INVESCO V.I. AMERICAN VALUE            INVESCO V.I. CORE EQUITY       
                                                  SUB-ACCOUNT                           SUB-ACCOUNT             
                                     ------------------------------------  -------------------------------------
                                            2013               2012               2013               2012       
                                     -----------------  -----------------   -----------------  -----------------
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $       (653,068)  $       (396,721)   $            (90)  $         (1,291)
   Net realized gains (losses)......         1,362,452            295,908              11,977              9,182
   Change in unrealized gains                                                                                   
     (losses) on investments........        21,986,708          7,999,839              45,509             23,282
                                     -----------------  -----------------   -----------------  -----------------
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............        22,696,092          7,899,026              57,396             31,173
                                     -----------------  -----------------   -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from contract owners...........        11,493,142         15,070,411                  --                 --
   Net transfers (including fixed                                                                               
     account).......................         (396,972)          (474,558)            (15,058)           (21,186)
   Contract charges.................         (814,387)          (538,047)                  --                 --
   Transfers for contract benefits                                                                              
     and terminations...............       (4,366,942)        (2,285,953)            (33,651)           (45,739)
                                     -----------------  -----------------   -----------------  -----------------
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        contract transactions.......         5,914,841         11,771,853            (48,709)           (66,925)
                                     -----------------  -----------------   -----------------  -----------------
     Net increase (decrease)                                                                                    
        in net assets...............        28,610,933         19,670,879               8,687           (35,752)
NET ASSETS:                                                                                                     
   Beginning of year................        66,684,996         47,014,117             241,009            276,761
                                     -----------------  -----------------   -----------------  -----------------
   End of year...................... $      95,295,929  $      66,684,996   $         249,696  $         241,009
                                     =================  =================   =================  =================



                                        INVESCO V.I. EQUITY AND INCOME                                          
                                                  SUB-ACCOUNT                                                   
                                     ------------------------------------                                       
                                            2013               2012                                             
                                     -----------------  -----------------                                       
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $         960,409  $       2,132,881                                       
   Net realized gains (losses)......         2,646,648            987,347                                       
   Change in unrealized gains                                                                                   
     (losses) on investments........       115,194,853         43,230,491                                       
                                     -----------------  -----------------                                       
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............       118,801,910         46,350,719                                       
                                     -----------------  -----------------                                       
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from contract owners...........        67,597,697         83,668,907                                       
   Net transfers (including fixed                                                                               
     account).......................         8,022,603          (305,020)                                       
   Contract charges.................       (4,836,300)        (3,578,432)                                       
   Transfers for contract benefits                                                                              
     and terminations...............      (37,208,806)       (43,547,842)                                       
                                     -----------------  -----------------                                       
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        contract transactions.......        33,575,194         36,237,613                                       
                                     -----------------  -----------------                                       
     Net increase (decrease)                                                                                    
        in net assets...............       152,377,104         82,588,332                                       
NET ASSETS:                                                                                                     
   Beginning of year................       496,945,594        414,357,262                                       
                                     -----------------  -----------------                                       
   End of year...................... $     649,322,698  $     496,945,594                                       
                                     =================  =================                                       

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]


                                      INVESCO V.I. GLOBAL REAL ESTATE      INVESCO V.I. GROWTH AND INCOME     
                                                SUB-ACCOUNT                          SUB-ACCOUNT              
                                    -----------------------------------  -----------------------------------  
                                          2013               2012              2013               2012        
                                    -----------------  ----------------  ----------------  -----------------  
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $         738,755  $      (159,936)  $      (188,424)  $        (39,401)  
   Net realized gains (losses).....           251,182            14,912         5,964,860            215,131  
   Change in unrealized gains                                                                                 
     (losses) on investments.......         (841,038)         4,220,926        81,951,879         27,777,291  
                                    -----------------  ----------------  ----------------  -----------------  
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............           148,899         4,075,902        87,728,315         27,953,021  
                                    -----------------  ----------------  ----------------  -----------------  
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........         6,235,134         6,088,001        41,201,557         55,614,326  
   Net transfers (including fixed                                                                             
     account)......................         1,699,930           615,737       (9,892,159)        (3,884,258)  
   Contract charges................         (265,363)         (166,631)       (3,013,438)        (2,064,540)  
   Transfers for contract benefits                                                                            
     and terminations..............       (1,127,854)         (777,696)      (18,283,675)       (15,726,767)  
                                    -----------------  ----------------  ----------------  -----------------  
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......         6,541,847         5,759,411        10,012,285         33,938,761  
                                    -----------------  ----------------  ----------------  -----------------  
     Net increase (decrease)                                                                                  
        in net assets..............         6,690,746         9,835,313        97,740,600         61,891,782  
NET ASSETS:                                                                                                   
   Beginning of year...............        23,302,577        13,467,264       268,230,013        206,338,231  
                                    -----------------  ----------------  ----------------  -----------------  
   End of year..................... $      29,993,323  $     23,302,577  $    365,970,613  $     268,230,013  
                                    =================  ================  ================  =================  



                                      INVESCO V.I. INTERNATIONAL GROWTH       JANUS ASPEN GLOBAL RESEARCH     
                                                 SUB-ACCOUNT                          SUB-ACCOUNT             
                                    ------------------------------------  ------------------------------------
                                           2013               2012              2013               2012       
                                    -----------------  -----------------  -----------------  -----------------
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $       (636,105)  $          51,882  $              21  $               1
   Net realized gains (losses).....         1,305,822             76,597                120                  9
   Change in unrealized gains                                                                                 
     (losses) on investments.......        40,017,340         24,064,007              1,329                896
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............        40,687,057         24,192,486              1,470                906
                                    -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........        29,193,980         45,143,565                 --                 --
   Net transfers (including fixed                                                                             
     account)......................         6,799,837          6,206,236                 --                 --
   Contract charges................       (2,450,016)        (1,751,462)                 --                 --
   Transfers for contract benefits                                                                            
     and terminations..............      (12,015,352)        (8,106,175)              (375)                (3)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......        21,528,449         41,492,164              (375)                (3)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets..............        62,215,506         65,684,650              1,095                903
NET ASSETS:                                                                                                   
   Beginning of year...............       219,783,700        154,099,050              5,653              4,750
                                    -----------------  -----------------  -----------------  -----------------
   End of year..................... $     281,999,206  $     219,783,700  $           6,748  $           5,653
                                    =================  =================  =================  =================


                                            LMPVET CLEARBRIDGE                   LMPVET CLEARBRIDGE           
                                        VARIABLE AGGRESSIVE GROWTH             VARIABLE ALL CAP VALUE         
                                                SUB-ACCOUNT                          SUB-ACCOUNT              
                                    ----------------------------------  ------------------------------------  
                                          2013              2012               2013               2012        
                                    ----------------  ----------------   ----------------  -----------------  
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $    (2,728,091)  $    (1,863,351)   $       (34,365)  $         271,873  
   Net realized gains (losses).....       17,861,500         9,957,799         10,192,766          (234,300)  
   Change in unrealized gains                                                                                 
     (losses) on investments.......       71,695,365        19,162,336         20,675,928         12,653,901  
                                    ----------------  ----------------   ----------------  -----------------  
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............       86,828,774        27,256,784         30,834,329         12,691,474  
                                    ----------------  ----------------   ----------------  -----------------  
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........       26,964,170        26,101,454          7,542,551         10,482,501  
   Net transfers (including fixed                                                                             
     account)......................      (1,165,621)       (5,078,294)        (2,438,406)        (1,374,496)  
   Contract charges................      (1,696,014)       (1,164,246)          (733,083)          (563,153)  
   Transfers for contract benefits                                                                            
     and terminations..............     (17,174,971)      (20,966,057)       (10,398,584)       (12,507,706)  
                                    ----------------  ----------------   ----------------  -----------------  
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......        6,927,564       (1,107,143)        (6,027,522)        (3,962,854)  
                                    ----------------  ----------------   ----------------  -----------------  
     Net increase (decrease)                                                                                  
        in net assets..............       93,756,338        26,149,641         24,806,807          8,728,620  
NET ASSETS:                                                                                                   
   Beginning of year...............      186,988,862       160,839,221        104,446,756         95,718,136  
                                    ----------------  ----------------   ----------------  -----------------  
   End of year..................... $    280,745,200  $    186,988,862   $    129,253,563  $     104,446,756  
                                    ================  ================   ================  =================  


                                            LMPVET CLEARBRIDGE                                                
                                           VARIABLE APPRECIATION                                              
                                                SUB-ACCOUNT                                                   
                                    -----------------------------------                                       
                                          2013               2012                                             
                                    ----------------  -----------------                                       
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $      (340,789)  $         877,895                                       
   Net realized gains (losses).....       13,852,622            276,468                                       
   Change in unrealized gains                                                                                 
     (losses) on investments.......       72,638,328         32,185,472                                       
                                    ----------------  -----------------                                       
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............       86,150,161         33,339,835                                       
                                    ----------------  -----------------                                       
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........       47,967,753         57,982,645                                       
   Net transfers (including fixed                                                                             
     account)......................        4,628,653        (4,101,720)                                       
   Contract charges................      (3,067,660)        (2,128,567)                                       
   Transfers for contract benefits                                                                            
     and terminations..............     (20,584,065)       (19,581,184)                                       
                                    ----------------  -----------------                                       
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......       28,944,681         32,171,174                                       
                                    ----------------  -----------------                                       
     Net increase (decrease)                                                                                  
        in net assets..............      115,094,842         65,511,009                                       
NET ASSETS:                                                                                                   
   Beginning of year...............      290,191,379        224,680,370                                       
                                    ----------------  -----------------                                       
   End of year..................... $    405,286,221  $     290,191,379                                       
                                    ================  =================                                       

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                           LMPVET CLEARBRIDGE                   LMPVET CLEARBRIDGE         
                                         VARIABLE EQUITY INCOME              VARIABLE LARGE CAP GROWTH     
                                               SUB-ACCOUNT                          SUB-ACCOUNT            
                                    ----------------------------------  ---------------------------------- 
                                          2013              2012              2013              2012       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $        427,485  $      1,935,990  $       (58,170)  $       (51,981) 
   Net realized gains (losses)....           646,901       (1,496,446)           745,423           481,453 
   Change in unrealized gains                                                                              
     (losses) on investments......        33,452,314        13,043,194           710,461           353,548 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        34,526,700        13,482,738         1,397,714           783,020 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........        27,050,110        30,792,673               648             1,459 
   Net transfers (including fixed                                                                          
     account).....................         8,008,781         2,474,161          (33,103)         (256,108) 
   Contract charges...............       (1,307,320)         (777,353)          (17,152)          (18,887) 
   Transfers for contract benefits                                                                         
     and terminations.............      (12,039,748)      (14,363,944)         (647,971)         (871,026) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......        21,711,823        18,125,537         (697,578)       (1,144,562) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............        56,238,523        31,608,275           700,136         (361,542) 
NET ASSETS:                                                                                                
   Beginning of year..............       134,931,130       103,322,855         4,312,254         4,673,796 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    191,169,653  $    134,931,130  $      5,012,390  $      4,312,254 
                                    ================  ================  ================  ================ 


                                            LMPVET CLEARBRIDGE                  LMPVET CLEARBRIDGE         
                                         VARIABLE LARGE CAP VALUE            VARIABLE SMALL CAP GROWTH     
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    -----------------------------------  ----------------------------------
                                           2013              2012              2013              2012      
                                    -----------------  ----------------  ----------------  ----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $           1,148  $         27,751  $    (1,235,439)  $      (568,565)
   Net realized gains (losses)....            466,613            50,468         8,864,593         3,154,639
   Change in unrealized gains                                                                              
     (losses) on investments......          1,056,824           510,271        24,881,277         5,466,771
                                    -----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............          1,524,585           588,490        32,510,431         8,052,845
                                    -----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........            282,593           573,803        16,380,155        16,257,772
   Net transfers (including fixed                                                                          
     account).....................            813,486           285,926         3,443,300         1,590,977
   Contract charges...............           (46,356)          (36,742)         (824,479)         (481,813)
   Transfers for contract benefits                                                                         
     and terminations.............          (424,843)         (504,347)       (3,891,881)       (3,103,064)
                                    -----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......            624,880           318,640        15,107,095        14,263,872
                                    -----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets..............          2,149,465           907,130        47,617,526        22,316,717
NET ASSETS:                                                                                                
   Beginning of year..............          4,743,489         3,836,359        64,881,494        42,564,777
                                    -----------------  ----------------  ----------------  ----------------
   End of year....................  $       6,892,954  $      4,743,489  $    112,499,020  $     64,881,494
                                    =================  ================  ================  ================


                                             LMPVET INVESTMENT                        LMPVET               
                                     COUNSEL VARIABLE SOCIAL AWARENESS   VARIABLE LIFESTYLE ALLOCATION 50% 
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    -----------------------------------  ----------------------------------
                                          2013              2012               2013              2012      
                                    ----------------  -----------------  ----------------  ----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $        (2,213)  $         (2,313)  $        335,965  $        451,589
   Net realized gains (losses)....             8,209             18,868           294,643           110,528
   Change in unrealized gains                                                                              
     (losses) on investments......            39,556             26,419         4,402,903         2,456,921
                                    ----------------  -----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............            45,552             42,974         5,033,511         3,019,038
                                    ----------------  -----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........                --                 --         6,821,630         6,963,572
   Net transfers (including fixed                                                                          
     account).....................             9,338           (49,856)         3,040,842         1,186,938
   Contract charges...............             (130)              (173)         (323,071)         (208,041)
   Transfers for contract benefits                                                                         
     and terminations.............          (51,803)          (204,989)       (3,091,539)       (2,607,174)
                                    ----------------  -----------------  ----------------  ----------------
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......          (42,595)          (255,018)         6,447,862         5,335,295
                                    ----------------  -----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets..............             2,957          (212,044)        11,481,373         8,354,333
NET ASSETS:                                                                                                
   Beginning of year..............           289,329            501,373        32,620,028        24,265,695
                                    ----------------  -----------------  ----------------  ----------------
   End of year....................  $        292,286  $         289,329  $     44,101,401  $     32,620,028
                                    ================  =================  ================  ================


                                                  LMPVET                                                   
                                     VARIABLE LIFESTYLE ALLOCATION 70%                                     
                                                SUB-ACCOUNT                                                
                                    ----------------------------------                                     
                                          2013              2012                                           
                                    ----------------  ----------------                                     
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $        (5,215)  $         16,093                                     
   Net realized gains (losses)....           164,204            48,643                                     
   Change in unrealized gains                                                                              
     (losses) on investments......           307,412           296,816                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............           466,401           361,552                                     
                                    ----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........               120             3,120                                     
   Net transfers (including fixed                                                                          
     account).....................           208,852          (27,315)                                     
   Contract charges...............             (702)             (796)                                     
   Transfers for contract benefits                                                                         
     and terminations.............         (943,181)         (849,995)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......         (734,911)         (874,986)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets..............         (268,510)         (513,434)                                     
NET ASSETS:                                                                                                
   Beginning of year..............         2,573,509         3,086,943                                     
                                    ----------------  ----------------                                     
   End of year....................  $      2,304,999  $      2,573,509                                     
                                    ================  ================                                     

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                  LMPVET                       LMPVIT WESTERN ASSET         
                                     VARIABLE LIFESTYLE ALLOCATION 85%    VARIABLE GLOBAL HIGH YIELD BOND   
                                                SUB-ACCOUNT                         SUB-ACCOUNT             
                                    ----------------------------------  ----------------------------------- 
                                          2013              2012              2013               2012       
                                    ----------------  ----------------  ----------------  ----------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $        265,832  $        362,338  $      4,754,059  $       5,165,628 
   Net realized gains (losses).....        1,739,917           528,492            97,460           (68,307) 
   Change in unrealized gains                                                                               
     (losses) on investments.......       17,385,552         8,931,921         (303,455)          7,182,092 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............       19,391,301         9,822,751         4,548,064         12,279,413 
                                    ----------------  ----------------  ----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........        3,896,642         8,807,329        12,043,147         15,538,183 
   Net transfers (including fixed                                                                           
     account)......................         (70,391)         (793,785)         6,173,096          4,005,384 
   Contract charges................        (739,142)         (611,650)         (741,652)          (516,554) 
   Transfers for contract benefits                                                                          
     and terminations..............      (7,221,465)       (3,286,778)       (9,054,116)        (9,252,417) 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......      (4,134,356)         4,115,116         8,420,475          9,774,596 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                
        in net assets..............       15,256,945        13,937,867        12,968,539         22,054,009 
NET ASSETS:                                                                                                 
   Beginning of year...............       79,817,339        65,879,472        91,771,912         69,717,903 
                                    ----------------  ----------------  ----------------  ----------------- 
   End of year..................... $     95,074,284  $     79,817,339  $    104,740,451  $      91,771,912 
                                    ================  ================  ================  ================= 


                                                  MFS VIT                              MFS VIT              
                                              INVESTORS TRUST                       NEW DISCOVERY           
                                                SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -----------------------------------  -----------------------------------
                                          2013               2012              2013               2012      
                                    ----------------  -----------------  ----------------  -----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $           (69)  $           (190)  $          (581)  $           (602)
   Net realized gains (losses).....              292              2,707             2,006              4,349
   Change in unrealized gains                                                                               
     (losses) on investments.......            5,877              2,028            12,769              3,991
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............            6,100              4,545            14,194              7,738
                                    ----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........               --                 --                --                 --
   Net transfers (including fixed                                                                           
     account)......................               --                 --                --                 --
   Contract charges................               --                 --                --                 --
   Transfers for contract benefits                                                                          
     and terminations..............            (637)           (18,051)           (9,835)            (7,451)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......            (637)           (18,051)           (9,835)            (7,451)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets..............            5,463           (13,506)             4,359                287
NET ASSETS:                                                                                                 
   Beginning of year...............           20,488             33,994            41,661             41,374
                                    ----------------  -----------------  ----------------  -----------------
   End of year..................... $         25,951  $          20,488  $         46,020  $          41,661
                                    ================  =================  ================  =================


                                                                               MIST ALLIANCEBERNSTEIN       
                                             MFS VIT RESEARCH                 GLOBAL DYNAMIC ALLOCATION     
                                                SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -----------------------------------  -----------------------------------
                                          2013               2012              2013              2012       
                                    ----------------  -----------------  ----------------  -----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $          (610)  $           (299)  $    (4,610,871)  $    (31,735,651)
   Net realized gains (losses).....            1,133                603        73,047,817             68,339
   Change in unrealized gains                                                                               
     (losses) on investments.......           14,560              6,684       213,779,983        215,787,760
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............           15,083              6,988       282,216,929        184,120,448
                                    ----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........               --                 --       248,776,609        748,915,629
   Net transfers (including fixed                                                                           
     account)......................               --                 --        93,377,580        331,990,410
   Contract charges................               --                 --      (43,781,572)       (28,058,490)
   Transfers for contract benefits                                                                          
     and terminations..............          (1,403)            (1,975)      (90,758,771)       (52,503,657)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......          (1,403)            (1,975)       207,613,846      1,000,343,892
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets..............           13,680              5,013       489,830,775      1,184,464,340
NET ASSETS:                                                                                                 
   Beginning of year...............           50,155             45,142     2,823,843,417      1,639,379,077
                                    ----------------  -----------------  ----------------  -----------------
   End of year..................... $         63,835  $          50,155  $  3,313,674,192  $   2,823,843,417
                                    ================  =================  ================  =================


                                                   MIST                                                     
                                    AMERICAN FUNDS BALANCED ALLOCATION                                      
                                                SUB-ACCOUNT                                                 
                                    ----------------------------------                                      
                                          2013              2012                                            
                                    ----------------  ----------------                                      
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $    (5,388,861)  $      4,444,113                                      
   Net realized gains (losses).....      250,625,904        60,128,154                                      
   Change in unrealized gains                                                                               
     (losses) on investments.......      260,897,780       273,656,262                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............      506,134,823       338,228,529                                      
                                    ----------------  ----------------                                      
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........       29,549,572        83,164,894                                      
   Net transfers (including fixed                                                                           
     account)......................      (8,307,267)      (60,456,373)                                      
   Contract charges................     (37,993,157)      (37,328,286)                                      
   Transfers for contract benefits                                                                          
     and terminations..............    (165,057,262)     (132,325,623)                                      
                                    ----------------  ----------------                                      
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......    (181,808,114)     (146,945,388)                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
        in net assets..............      324,326,709       191,283,141                                      
NET ASSETS:                                                                                                 
   Beginning of year...............    3,106,060,329     2,914,777,188                                      
                                    ----------------  ----------------                                      
   End of year..................... $  3,430,387,038  $  3,106,060,329                                      
                                    ================  ================                                      

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                   MIST                                MIST                  
                                     AMERICAN FUNDS GROWTH ALLOCATION          AMERICAN FUNDS GROWTH         
                                                SUB-ACCOUNT                         SUB-ACCOUNT              
                                    ----------------------------------  ----------------------------------   
                                          2013              2012              2013              2012         
                                    ----------------  ----------------  ----------------  ----------------   
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $    (9,394,519)  $    (5,413,271)  $    (6,517,995)  $    (6,868,206)   
   Net realized gains (losses)....       121,285,044        26,669,090        55,767,296        20,415,943   
   Change in unrealized gains                                                                                
     (losses) on investments......       233,109,626       175,144,743        96,031,643        67,309,082   
                                    ----------------  ----------------  ----------------  ----------------   
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............       345,000,151       196,400,562       145,280,944        80,856,819   
                                    ----------------  ----------------  ----------------  ----------------   
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........        19,707,302        52,400,148        14,629,823        17,133,976   
   Net transfers (including fixed                                                                            
     account).....................        66,168,229      (72,570,860)      (37,937,636)      (78,467,843)   
   Contract charges...............      (16,411,723)      (15,855,986)       (6,691,159)       (6,678,966)   
   Transfers for contract benefits                                                                           
     and terminations.............      (82,807,176)      (62,098,994)      (28,561,135)      (20,470,993)   
                                    ----------------  ----------------  ----------------  ----------------   
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......      (13,343,368)      (98,125,692)      (58,560,107)      (88,483,826)   
                                    ----------------  ----------------  ----------------  ----------------   
     Net increase (decrease)                                                                                 
       in net assets..............       331,656,783        98,274,870        86,720,837       (7,627,007)   
NET ASSETS:                                                                                                  
   Beginning of year..............     1,496,665,592     1,398,390,722       545,665,799       553,292,806   
                                    ----------------  ----------------  ----------------  ----------------   
   End of year....................  $  1,828,322,375  $  1,496,665,592  $    632,386,636  $    545,665,799   
                                    ================  ================  ================  ================   


                                                   MIST                                MIST                  
                                    AMERICAN FUNDS MODERATE ALLOCATION       AQR GLOBAL RISK BALANCED        
                                                SUB-ACCOUNT                         SUB-ACCOUNT              
                                    ----------------------------------  -----------------------------------  
                                           2013            2012                2013              2012        
                                     ---------------  ---------------    ----------------  ----------------  
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...   $     2,016,609  $     8,663,944    $     24,454,360  $   (29,485,494)  
   Net realized gains (losses)....       119,968,172       39,154,321         131,410,280        13,924,436  
   Change in unrealized gains                                                                                
     (losses) on investments......        74,888,275      103,394,103       (347,099,092)       257,592,013  
                                     ---------------  ---------------    ----------------  ----------------  
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............       196,873,056      151,212,368       (191,234,452)       242,030,955  
                                     ---------------  ---------------    ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........        17,989,884       43,856,551         299,929,057     1,010,258,029  
   Net transfers (including fixed                                                                            
     account).....................      (30,931,042)     (43,601,001)       (449,932,361)       701,135,494  
   Contract charges...............      (21,278,076)     (21,439,772)        (50,307,360)      (34,472,373)  
   Transfers for contract benefits                                                                           
     and terminations.............     (100,612,790)     (79,167,097)       (113,288,370)      (63,766,725)  
                                     ---------------  ---------------    ----------------  ----------------  
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......     (134,832,024)    (100,351,319)       (313,599,034)     1,613,154,425  
                                     ---------------  ---------------    ----------------  ----------------  
     Net increase (decrease)                                                                                 
       in net assets..............        62,041,032       50,861,049       (504,833,486)     1,855,185,380  
NET ASSETS:                                                                                                  
   Beginning of year..............     1,734,325,945    1,683,464,896       3,753,309,463     1,898,124,083  
                                     ---------------  ---------------    ----------------  ----------------  
   End of year....................   $ 1,796,366,977  $ 1,734,325,945    $  3,248,475,977  $  3,753,309,463  
                                     ===============  ===============    ================  ================  


                                                    MIST                                 MIST                
                                    BLACKROCK GLOBAL TACTICAL STRATEGIES         BLACKROCK HIGH YIELD        
                                                 SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -------------------------------------  ----------------------------------
                                            2013              2012               2013              2012      
                                      ----------------  ----------------   ----------------  ----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...    $    (3,617,558)  $   (58,135,263)   $     14,596,196  $     13,623,467
   Net realized gains (losses)....         133,255,577           130,203          9,642,339         5,023,228
   Change in unrealized gains                                                                                
     (losses) on investments......         311,060,284       341,923,540        (4,631,091)        14,564,761
                                      ----------------  ----------------   ----------------  ----------------
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............         440,698,303       283,918,480         19,607,444        33,211,456
                                      ----------------  ----------------   ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........         411,567,881     1,312,263,362         13,943,237        20,947,935
   Net transfers (including fixed                                                                            
     account).....................        (28,640,096)       557,379,957       (26,718,376)        17,699,162
   Contract charges...............        (73,176,143)      (48,022,451)        (2,612,849)       (2,591,456)
   Transfers for contract benefits                                                                           
     and terminations.............       (149,396,119)      (91,426,698)       (16,046,952)      (13,914,636)
                                      ----------------  ----------------   ----------------  ----------------
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......         160,355,523     1,730,194,170       (31,434,940)        22,141,005
                                      ----------------  ----------------   ----------------  ----------------
     Net increase (decrease)                                                                                 
       in net assets..............         601,053,826     2,014,112,650       (11,827,496)        55,352,461
NET ASSETS:                                                                                                  
   Beginning of year..............       4,856,824,935     2,842,712,285        276,977,302       221,624,841
                                      ----------------  ----------------   ----------------  ----------------
   End of year....................    $  5,457,878,761  $  4,856,824,935   $    265,149,806  $    276,977,302
                                      ================  ================   ================  ================



                                       MIST BLACKROCK LARGE CAP CORE                                         
                                                SUB-ACCOUNT                                                  
                                    ----------------------------------                                       
                                          2013              2012                                             
                                    ----------------  ----------------                                       
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $       (69,719)  $       (98,467)                                       
   Net realized gains (losses)....           843,040           204,327                                       
   Change in unrealized gains                                                                                
     (losses) on investments......         3,552,916         1,366,663                                       
                                    ----------------  ----------------                                       
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............         4,326,237         1,472,523                                       
                                    ----------------  ----------------                                       
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........           654,278         2,809,895                                       
   Net transfers (including fixed                                                                            
     account).....................         (847,332)       (1,633,705)                                       
   Contract charges...............         (180,167)         (169,775)                                       
   Transfers for contract benefits                                                                           
     and terminations.............       (1,522,513)         (889,640)                                       
                                    ----------------  ----------------                                       
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......       (1,895,734)           116,775                                       
                                    ----------------  ----------------                                       
     Net increase (decrease)                                                                                 
       in net assets..............         2,430,503         1,589,298                                       
NET ASSETS:                                                                                                  
   Beginning of year..............        14,439,147        12,849,849                                       
                                    ----------------  ----------------                                       
   End of year....................  $     16,869,650  $     14,439,147                                       
                                    ================  ================                                       

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                       MIST                 
                                     MIST CLARION GLOBAL REAL ESTATE     CLEARBRIDGE AGGRESSIVE GROWTH II   
                                               SUB-ACCOUNT                          SUB-ACCOUNT             
                                    ----------------------------------  ----------------------------------- 
                                          2013              2012              2013               2012       
                                    ----------------  ----------------  -----------------  ---------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $      9,853,299  $        648,569  $     (1,006,117)  $    (1,256,766) 
   Net realized gains (losses)....          (92,999)       (1,249,413)          5,873,060         1,264,699 
   Change in unrealized gains                                                                               
     (losses) on investments......       (6,455,197)        35,559,210         19,911,595        14,507,523 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............         3,305,103        34,958,366         24,778,538        14,515,456 
                                    ----------------  ----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........         1,804,117         7,794,423          1,347,767         4,262,148 
   Net transfers (including fixed                                                                           
     account).....................        14,576,022       (2,227,782)        (5,985,835)        25,557,583 
   Contract charges...............       (1,769,594)       (1,587,295)        (1,164,663)       (1,131,367) 
   Transfers for contract benefits                                                                          
     and terminations.............      (12,559,683)       (9,066,811)        (6,729,962)       (5,149,785) 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       contract transactions......         2,050,862       (5,087,465)       (12,532,693)        23,538,579 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                
       in net assets..............         5,355,965        29,870,901         12,245,845        38,054,035 
NET ASSETS:                                                                                                 
   Beginning of year..............       177,317,957       147,447,056        106,823,115        68,769,080 
                                    ----------------  ----------------  -----------------  ---------------- 
   End of year....................  $    182,673,922  $    177,317,957  $     119,068,960  $    106,823,115 
                                    ================  ================  =================  ================ 


                                                  MIST                                 MIST                 
                                      CLEARBRIDGE AGGRESSIVE GROWTH         GOLDMAN SACHS MID CAP VALUE     
                                               SUB-ACCOUNT                          SUB-ACCOUNT             
                                    ----------------------------------  ----------------------------------- 
                                          2013              2012               2013              2012       
                                    ----------------  ----------------  -----------------  ---------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $    (5,039,430)  $    (4,519,479)  $     (1,173,155)  $    (1,395,190) 
   Net realized gains (losses)....        11,473,473         4,996,289         12,013,375           565,819 
   Change in unrealized gains                                                                               
     (losses) on investments......       123,052,679        43,727,000         31,704,368        21,341,212 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............       129,486,722        44,203,810         42,544,588        20,511,841 
                                    ----------------  ----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........         5,418,106         8,612,510          1,260,840         2,591,780 
   Net transfers (including fixed                                                                           
     account).....................        52,077,391       (6,817,243)            158,750       (5,769,122) 
   Contract charges...............       (3,110,264)       (2,555,203)        (1,323,450)       (1,125,130) 
   Transfers for contract benefits                                                                          
     and terminations.............      (25,033,154)      (16,051,172)       (11,814,121)       (7,693,862) 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       contract transactions......        29,352,079      (16,811,108)       (11,717,981)      (11,996,334) 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                
       in net assets..............       158,838,801        27,392,702         30,826,607         8,515,507 
NET ASSETS:                                                                                                 
   Beginning of year..............       292,871,764       265,479,062        139,211,779       130,696,272 
                                    ----------------  ----------------  -----------------  ---------------- 
   End of year....................  $    451,710,565  $    292,871,764  $     170,038,386  $    139,211,779 
                                    ================  ================  =================  ================ 


                                                   MIST                                 MIST                
                                       HARRIS OAKMARK INTERNATIONAL       INVESCO BALANCED-RISK ALLOCATION  
                                                SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -----------------------------------  -----------------------------------
                                          2013              2012                2013            2012 (b)    
                                    ----------------  -----------------   ----------------  ----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $      5,201,015  $          91,453   $   (12,158,692)  $    (1,415,511)
   Net realized gains (losses)....        11,702,177        (1,430,384)         10,077,015         6,907,824
   Change in unrealized gains                                                                               
     (losses) on investments......       134,182,838        121,937,845          4,078,692        10,868,519
                                    ----------------  -----------------   ----------------  ----------------
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............       151,086,030        120,598,914          1,997,015        16,360,832
                                    ----------------  -----------------   ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........        17,704,175         17,848,721        168,173,765       338,086,548
   Net transfers (including fixed                                                                           
     account).....................        27,865,479       (30,313,737)         45,607,989       313,044,735
   Contract charges...............       (5,353,619)        (4,604,462)       (10,692,799)       (1,295,053)
   Transfers for contract benefits                                                                          
     and terminations.............      (36,258,075)       (26,450,720)       (23,347,690)       (4,774,645)
                                    ----------------  -----------------   ----------------  ----------------
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       contract transactions......         3,957,960       (43,520,198)        179,741,265       645,061,585
                                    ----------------  -----------------   ----------------  ----------------
     Net increase (decrease)                                                                                
       in net assets..............       155,043,990         77,078,716        181,738,280       661,422,417
NET ASSETS:                                                                                                 
   Beginning of year..............       538,939,254        461,860,538        661,422,417                --
                                    ----------------  -----------------   ----------------  ----------------
   End of year....................  $    693,983,244  $     538,939,254   $    843,160,697  $    661,422,417
                                    ================  =================   ================  ================


                                                   MIST                                                     
                                             INVESCO COMSTOCK                                               
                                                SUB-ACCOUNT                                                 
                                    -----------------------------------                                     
                                           2013              2012                                           
                                    -----------------  ----------------                                     
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $     (1,674,772)  $      (729,855)                                     
   Net realized gains (losses)....          9,703,108         5,346,575                                     
   Change in unrealized gains                                                                               
     (losses) on investments......        101,696,056        43,146,332                                     
                                    -----------------  ----------------                                     
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............        109,724,392        47,763,052                                     
                                    -----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........         20,478,377        22,458,903                                     
   Net transfers (including fixed                                                                           
     account).....................         11,030,539        19,211,409                                     
   Contract charges...............        (3,417,107)       (2,706,893)                                     
   Transfers for contract benefits                                                                          
     and terminations.............       (23,713,080)      (23,731,077)                                     
                                    -----------------  ----------------                                     
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       contract transactions......          4,378,729        15,232,342                                     
                                    -----------------  ----------------                                     
     Net increase (decrease)                                                                                
       in net assets..............        114,103,121        62,995,394                                     
NET ASSETS:                                                                                                 
   Beginning of year..............        329,458,802       266,463,408                                     
                                    -----------------  ----------------                                     
   End of year....................  $     443,561,923  $    329,458,802                                     
                                    =================  ================                                     

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]


                                        MIST INVESCO MID CAP VALUE         MIST INVESCO SMALL CAP GROWTH   
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  ---------------------------------- 
                                          2013              2012              2013              2012       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $    (1,314,553)  $    (1,633,191)  $    (3,674,573)  $    (3,709,725) 
   Net realized gains (losses)....         7,722,920         2,663,619        24,585,422        18,783,431 
   Change in unrealized gains                                                                              
     (losses) on investments......        30,620,411        15,199,656        67,501,884        19,533,978 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        37,028,778        16,230,084        88,412,733        34,607,684 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         2,155,363         6,093,408        10,016,335        15,838,800 
   Net transfers (including fixed                                                                          
     account).....................      (10,011,007)       (3,393,066)         1,587,973       (5,702,899) 
   Contract charges...............       (1,678,656)       (1,548,008)       (2,269,655)       (1,966,440) 
   Transfers for contract benefits                                                                         
     and terminations.............       (7,603,595)       (6,237,615)      (19,026,821)      (14,981,160) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......      (17,137,895)       (5,085,281)       (9,692,168)       (6,811,699) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............        19,890,883        11,144,803        78,720,565        27,795,985 
NET ASSETS:                                                                                                
   Beginning of year..............       138,149,492       127,004,689       240,468,780       212,672,795 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    158,040,375  $    138,149,492  $    319,189,345  $    240,468,780 
                                    ================  ================  ================  ================ 


                                                                                       MIST                
                                          MIST JPMORGAN CORE BOND        JPMORGAN GLOBAL ACTIVE ALLOCATION 
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  -----------------------------------
                                          2013              2012              2013            2012 (b)     
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $    (4,238,910)  $      3,581,213  $    (6,934,561)  $      (253,669) 
   Net realized gains (losses)....        24,886,829         5,226,825         2,430,024         1,691,655 
   Change in unrealized gains                                                                              
     (losses) on investments......      (36,171,178)         2,725,888        53,369,009         7,508,587 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............      (15,523,259)        11,533,926        48,864,472         8,946,573 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         2,386,585         8,908,512       122,948,435       187,365,819 
   Net transfers (including fixed                                                                          
     account).....................         1,463,200       (2,442,719)       313,227,408        88,135,164 
   Contract charges...............       (3,775,856)       (4,085,255)       (6,988,131)         (274,498) 
   Transfers for contract benefits                                                                         
     and terminations.............      (19,173,185)      (16,768,257)      (13,774,602)       (1,600,923) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......      (19,099,256)      (14,387,719)       415,413,110       273,625,562 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............      (34,622,515)       (2,853,793)       464,277,582       282,572,135 
NET ASSETS:                                                                                                
   Beginning of year..............       346,492,447       349,346,240       282,572,135                -- 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    311,869,932  $    346,492,447  $    746,849,717  $    282,572,135 
                                    ================  ================  ================  ================ 


                                                   MIST                                                    
                                         JPMORGAN SMALL CAP VALUE        MIST LOOMIS SAYLES GLOBAL MARKETS 
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  ---------------------------------- 
                                          2013              2012              2013             2012        
                                    ----------------  ----------------  ----------------  ---------------  
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $      (280,527)  $      (218,746)  $      1,519,876  $     1,268,388  
   Net realized gains (losses)....         1,241,336           283,760         5,872,725        2,390,289  
   Change in unrealized gains                                                                              
     (losses) on investments......         6,048,540         2,823,277        18,236,473       20,641,146  
                                    ----------------  ----------------  ----------------  ---------------  
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............         7,009,349         2,888,291        25,629,074       24,299,823  
                                    ----------------  ----------------  ----------------  ---------------  
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........           370,757         2,194,628         2,604,900        5,861,547  
   Net transfers (including fixed                                                                          
     account).....................       (1,450,951)         (541,359)      (13,383,801)      (8,628,678)  
   Contract charges...............         (290,764)         (250,601)       (1,759,667)      (1,759,286)  
   Transfers for contract benefits                                                                         
     and terminations.............       (1,786,801)       (1,500,264)      (10,275,135)      (7,011,203)  
                                    ----------------  ----------------  ----------------  ---------------  
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       (3,157,759)          (97,596)      (22,813,703)     (11,537,620)  
                                    ----------------  ----------------  ----------------  ---------------  
     Net increase (decrease)                                                                               
       in net assets..............         3,851,590         2,790,695         2,815,371       12,762,203  
NET ASSETS:                                                                                                
   Beginning of year..............        24,014,976        21,224,281       177,780,410      165,018,207  
                                    ----------------  ----------------  ----------------  ---------------  
   End of year....................  $     27,866,566  $     24,014,976  $    180,595,781  $   177,780,410  
                                    ================  ================  ================  ===============  



                                     MIST LORD ABBETT BOND DEBENTURE                                       
                                               SUB-ACCOUNT                                                 
                                    ----------------------------------                                     
                                          2013              2012                                           
                                    ----------------  ----------------                                     
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $     12,964,602  $     14,699,205                                     
   Net realized gains (losses)....         4,166,635         1,754,535                                     
   Change in unrealized gains                                                                              
     (losses) on investments......       (1,363,498)        11,202,166                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        15,767,739        27,655,906                                     
                                    ----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         2,945,951         4,758,094                                     
   Net transfers (including fixed                                                                          
     account).....................         3,690,479         2,066,753                                     
   Contract charges...............       (1,551,965)       (1,668,326)                                     
   Transfers for contract benefits                                                                         
     and terminations.............      (27,568,008)      (21,909,684)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......      (22,483,543)      (16,753,163)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets..............       (6,715,804)        10,902,743                                     
NET ASSETS:                                                                                                
   Beginning of year..............       266,010,291       255,107,548                                     
                                    ----------------  ----------------                                     
   End of year....................  $    259,294,487  $    266,010,291                                     
                                    ================  ================                                     

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                   MIST MET/FRANKLIN         
                                    MIST MET/EATON VANCE FLOATING RATE         LOW DURATION TOTAL RETURN     
                                                SUB-ACCOUNT                           SUB-ACCOUNT            
                                    ------------------------------------  -----------------------------------
                                          2013               2012               2013               2012      
                                    -----------------  ----------------   -----------------  ----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $       1,167,863  $        893,371   $       (409,213)  $        118,242
   Net realized gains (losses).....           371,454           215,912              31,429            24,752
   Change in unrealized gains                                                                                
     (losses) on investments.......         (202,111)         1,524,996             351,282           737,426
                                    -----------------  ----------------   -----------------  ----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............         1,337,206         2,634,279            (26,502)           880,420
                                    -----------------  ----------------   -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........         1,243,464         3,005,201           2,247,876         2,001,148
   Net transfers (including fixed                                                                            
     account)......................        31,075,652         7,696,712         100,397,861        15,509,501
   Contract charges................         (606,811)         (455,891)           (860,351)         (372,941)
   Transfers for contract benefits                                                                           
     and terminations..............       (4,130,678)       (2,380,066)         (5,061,682)       (2,070,016)
                                    -----------------  ----------------   -----------------  ----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......        27,581,627         7,865,956          96,723,704        15,067,692
                                    -----------------  ----------------   -----------------  ----------------
     Net increase (decrease)                                                                                 
        in net assets..............        28,918,833        10,500,235          96,697,202        15,948,112
NET ASSETS:                                                                                                  
   Beginning of year...............        54,197,004        43,696,769          43,609,944        27,661,832
                                    -----------------  ----------------   -----------------  ----------------
   End of year..................... $      83,115,837  $     54,197,004   $     140,307,146  $     43,609,944
                                    =================  ================   =================  ================


                                                   MIST                                                      
                                     MET/TEMPLETON INTERNATIONAL BOND     MIST METLIFE AGGRESSIVE STRATEGY   
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ----------------------------------- 
                                           2013              2012               2013              2012       
                                    -----------------  ----------------  -----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $         276,907  $      4,814,452  $     (5,162,875)  $    (5,348,850) 
   Net realized gains (losses).....            98,819         (394,426)          8,803,988       (2,155,955) 
   Change in unrealized gains                                                                                
     (losses) on investments.......         (752,953)         1,944,505        141,558,132        83,183,465 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............         (377,227)         6,364,531        145,199,245        75,678,660 
                                    -----------------  ----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........           293,635         1,816,115          6,117,615        14,730,577 
   Net transfers (including fixed                                                                            
     account)......................       (1,527,452)           274,897            344,230      (36,687,365) 
   Contract charges................         (704,031)         (735,731)        (4,668,056)       (4,564,800) 
   Transfers for contract benefits                                                                           
     and terminations..............       (2,400,039)       (1,811,827)       (32,065,600)      (28,804,866) 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......       (4,337,887)         (456,546)       (30,271,811)      (55,326,454) 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets..............       (4,715,114)         5,907,985        114,927,434        20,352,206 
NET ASSETS:                                                                                                  
   Beginning of year...............        57,001,253        51,093,268        545,044,070       524,691,864 
                                    -----------------  ----------------  -----------------  ---------------- 
   End of year..................... $      52,286,139  $     57,001,253  $     659,971,504  $    545,044,070 
                                    =================  ================  =================  ================ 



                                        MIST METLIFE BALANCED PLUS         MIST METLIFE BALANCED STRATEGY    
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ----------------------------------- 
                                           2013              2012               2013              2012       
                                    -----------------  ----------------  -----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $    (12,169,666)  $   (51,515,645)  $      32,102,742  $     38,994,505 
   Net realized gains (losses).....       109,386,034                --         83,827,637        19,597,212 
   Change in unrealized gains                                                                                
     (losses) on investments.......       560,925,735       424,121,430      1,085,370,764       737,960,714 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       658,142,103       372,605,785      1,201,301,143       796,552,431 
                                    -----------------  ----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........       512,612,376     1,251,910,858         64,210,282       148,711,444 
   Net transfers (including fixed                                                                            
     account)......................       934,128,079       686,159,234         24,844,873     (193,862,187) 
   Contract charges................      (75,280,741)      (42,151,548)       (69,900,438)      (70,278,541) 
   Transfers for contract benefits                                                                           
     and terminations..............     (168,084,256)      (87,089,575)      (454,179,016)     (399,975,900) 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......     1,203,375,458     1,808,828,969      (435,024,299)     (515,405,184) 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets..............     1,861,517,561     2,181,434,754        766,276,844       281,147,247 
NET ASSETS:                                                                                                  
   Beginning of year...............     4,593,209,415     2,411,774,661      7,045,806,333     6,764,659,086 
                                    -----------------  ----------------  -----------------  ---------------- 
   End of year..................... $   6,454,726,976  $  4,593,209,415  $   7,812,083,177  $  7,045,806,333 
                                    =================  ================  =================  ================ 



                                      MIST METLIFE DEFENSIVE STRATEGY                                        
                                                SUB-ACCOUNT                                                  
                                    -----------------------------------                                      
                                          2013               2012                                            
                                    ----------------  -----------------                                      
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $     31,247,477  $      27,979,016                                      
   Net realized gains (losses).....      114,843,713         40,608,351                                      
   Change in unrealized gains                                                                                
     (losses) on investments.......        8,150,548        131,200,155                                      
                                    ----------------  -----------------                                      
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............      154,241,738        199,787,522                                      
                                    ----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........       15,258,041         43,475,387                                      
   Net transfers (including fixed                                                                            
     account)......................    (342,355,184)         24,870,720                                      
   Contract charges................     (21,496,345)       (22,681,295)                                      
   Transfers for contract benefits                                                                           
     and terminations..............    (165,714,842)      (141,326,271)                                      
                                    ----------------  -----------------                                      
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......    (514,308,330)       (95,661,459)                                      
                                    ----------------  -----------------                                      
     Net increase (decrease)                                                                                 
        in net assets..............    (360,066,592)        104,126,063                                      
NET ASSETS:                                                                                                  
   Beginning of year...............    2,332,865,728      2,228,739,665                                      
                                    ----------------  -----------------                                      
   End of year..................... $  1,972,799,136  $   2,332,865,728                                      
                                    ================  =================                                      

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]


                                       MIST METLIFE GROWTH STRATEGY      MIST METLIFE MODERATE STRATEGY   
                                                SUB-ACCOUNT                        SUB-ACCOUNT            
                                    ----------------------------------  ----------------------------------
                                          2013              2012              2013              2012      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $   (12,655,471)  $      1,381,851  $     28,607,761  $     37,131,263
   Net realized gains (losses)....        48,996,687      (22,087,133)        60,925,288        22,204,509
   Change in unrealized gains                                                                             
     (losses) on investments......     1,250,387,461       680,222,228       327,287,238       287,329,954
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............     1,286,728,677       659,516,946       416,820,287       346,665,726
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........        50,551,717       108,087,013        27,247,167        69,079,528
   Net transfers (including fixed                                                                         
     account).....................       738,063,707     (246,783,276)      (46,175,969)      (27,530,545)
   Contract charges...............      (53,238,434)      (48,638,262)      (35,004,574)      (35,285,870)
   Transfers for contract benefits                                                                        
     and terminations.............     (370,695,161)     (283,004,290)     (214,831,807)     (193,516,590)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......       364,681,829     (470,338,815)     (268,765,183)     (187,253,477)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............     1,651,410,506       189,178,131       148,055,104       159,412,249
NET ASSETS:                                                                                               
   Beginning of year..............     5,115,649,012     4,926,470,881     3,483,723,904     3,324,311,655
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $  6,767,059,518  $  5,115,649,012  $  3,631,779,008  $  3,483,723,904
                                    ================  ================  ================  ================


                                                  MIST                                                    
                                    METLIFE MULTI-INDEX TARGETED RISK   MIST MFS EMERGING MARKETS EQUITY  
                                               SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  ----------------------------------
                                          2013            2012 (c)            2013              2012      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $      (699,118)  $        (7,978)  $    (2,103,697)  $    (3,386,337)
   Net realized gains (losses)....         3,617,087                --         1,835,792         1,870,263
   Change in unrealized gains                                                                             
     (losses) on investments......         7,257,662            89,193      (28,154,915)        66,406,442
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............        10,175,631            81,215      (28,422,820)        64,890,368
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........        48,451,797        10,581,513        18,621,868        37,141,675
   Net transfers (including fixed                                                                         
     account).....................       142,884,678           585,564        44,696,703         (611,099)
   Contract charges...............         (796,188)                --       (4,647,330)       (4,426,432)
   Transfers for contract benefits                                                                        
     and terminations.............       (2,006,845)             (313)      (22,864,787)      (17,976,417)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......       188,533,442        11,166,764        35,806,454        14,127,727
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............       198,709,073        11,247,979         7,383,634        79,018,095
NET ASSETS:                                                                                               
   Beginning of year..............        11,247,979                --       448,693,258       369,675,163
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $    209,957,052  $     11,247,979  $    456,076,892  $    448,693,258
                                    ================  ================  ================  ================


                                                                                       MIST               
                                      MIST MFS RESEARCH INTERNATIONAL      MORGAN STANLEY MID CAP GROWTH  
                                                SUB-ACCOUNT                         SUB-ACCOUNT           
                                    ----------------------------------  ----------------------------------
                                          2013              2012              2013              2012      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $      3,181,971  $        858,851  $    (1,696,520)  $    (2,043,749)
   Net realized gains (losses)....           522,322       (3,635,460)         2,455,142           158,086
   Change in unrealized gains                                                                             
     (losses) on investments......        47,772,611        44,865,003        64,718,433        10,495,708
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............        51,476,904        42,088,394        65,477,055         8,610,045
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........         5,992,222        12,899,341        30,911,631        44,704,015
   Net transfers (including fixed                                                                         
     account).....................      (11,184,676)       (5,504,513)       (5,530,092)        10,647,959
   Contract charges...............       (2,476,702)       (2,406,377)       (2,046,240)       (1,253,613)
   Transfers for contract benefits                                                                        
     and terminations.............      (23,934,709)      (21,276,250)      (10,333,215)       (6,020,714)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......      (31,603,865)      (16,287,799)        13,002,084        48,077,647
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............        19,873,039        25,800,595        78,479,139        56,687,692
NET ASSETS:                                                                                               
   Beginning of year..............       311,615,422       285,814,827       166,100,095       109,412,403
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $    331,488,461  $    311,615,422  $    244,579,234  $    166,100,095
                                    ================  ================  ================  ================



                                     MIST OPPENHEIMER GLOBAL EQUITY                                       
                                               SUB-ACCOUNT                                                
                                    ----------------------------------                                    
                                          2013              2012                                          
                                    ----------------  ----------------                                    
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $      (523,132)  $        (7,496)                                    
   Net realized gains (losses)....           471,553            25,191                                    
   Change in unrealized gains                                                                             
     (losses) on investments......        11,622,690         1,707,146                                    
                                    ----------------  ----------------                                    
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............        11,571,111         1,724,841                                    
                                    ----------------  ----------------                                    
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........           974,476            93,332                                    
   Net transfers (including fixed                                                                         
     account).....................        59,782,304            42,419                                    
   Contract charges...............         (334,651)          (47,022)                                    
   Transfers for contract benefits                                                                        
     and terminations.............       (3,578,136)       (1,160,102)                                    
                                    ----------------  ----------------                                    
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......        56,843,993       (1,071,373)                                    
                                    ----------------  ----------------                                    
     Net increase (decrease)                                                                              
       in net assets..............        68,415,104           653,468                                    
NET ASSETS:                                                                                               
   Beginning of year..............         9,983,469         9,330,001                                    
                                    ----------------  ----------------                                    
   End of year....................  $     78,398,573  $      9,983,469                                    
                                    ================  ================                                    

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                MIST PIMCO                                                                   
                                         INFLATION PROTECTED BOND             MIST PIMCO TOTAL RETURN                        
                                                SUB-ACCOUNT                         SUB-ACCOUNT                              
                                    ----------------------------------  -----------------------------------                  
                                          2013              2012              2013               2012                        
                                    ----------------  ----------------  -----------------  ----------------                  
                                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                                           
FROM OPERATIONS:                                                                                                             
   Net investment income (loss)...  $      5,656,555  $     14,248,598  $      57,226,440  $     34,066,251                  
   Net realized gains (losses)....        44,720,235        63,569,905         42,284,668         8,990,391                  
   Change in unrealized gains                                                                                                
     (losses) on investments......     (156,230,192)       (6,836,618)      (175,186,613)       116,050,383                  
                                    ----------------  ----------------  -----------------  ----------------                  
     Net increase (decrease)                                                                                                 
       in net assets resulting                                                                                               
       from operations............     (105,853,402)        70,981,885       (75,675,505)       159,107,025                  
                                    ----------------  ----------------  -----------------  ----------------                  
CONTRACT TRANSACTIONS:                                                                                                       
   Purchase payments received                                                                                                
     from contract owners.........         7,816,286        37,089,098         23,558,528        78,337,791                  
   Net transfers (including fixed                                                                                            
     account).....................      (33,502,041)        43,921,625       (36,143,738)       (4,343,112)                  
   Contract charges...............       (9,760,980)      (10,805,997)       (21,824,762)      (22,953,383)                  
   Transfers for contract benefits                                                                                           
     and terminations.............      (58,283,070)      (56,743,134)      (130,498,036)     (116,536,293)                  
                                    ----------------  ----------------  -----------------  ----------------                  
     Net increase (decrease) in                                                                                              
       net assets resulting from                                                                                             
       contract transactions......      (93,729,805)        13,461,592      (164,908,008)      (65,494,997)                  
                                    ----------------  ----------------  -----------------  ----------------                  
     Net increase (decrease)                                                                                                 
       in net assets..............     (199,583,207)        84,443,477      (240,583,513)        93,612,028                  
NET ASSETS:                                                                                                                  
   Beginning of year..............     1,021,039,296       936,595,819      2,234,370,461     2,140,758,433                  
                                    ----------------  ----------------  -----------------  ----------------                  
   End of year....................  $    821,456,089  $  1,021,039,296  $   1,993,786,948  $  2,234,370,461                  
                                    ================  ================  =================  ================                  



                                             MIST PIONEER FUND             MIST PIONEER STRATEGIC INCOME                     
                                                SUB-ACCOUNT                         SUB-ACCOUNT                              
                                    ----------------------------------  -----------------------------------                  
                                          2013              2012               2013              2012                        
                                    ----------------  ----------------  -----------------  ----------------                  
                                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                                           
FROM OPERATIONS:                                                                                                             
   Net investment income (loss)...  $      4,682,697  $        111,876  $      30,105,308  $     23,818,738                  
   Net realized gains (losses)....         4,614,621           453,975          3,348,132         3,201,649                  
   Change in unrealized gains                                                                                                
     (losses) on investments......        61,555,660        15,646,585       (32,752,219)        39,967,597                  
                                    ----------------  ----------------  -----------------  ----------------                  
     Net increase (decrease)                                                                                                 
       in net assets resulting                                                                                               
       from operations............        70,852,978        16,212,436            701,221        66,987,984                  
                                    ----------------  ----------------  -----------------  ----------------                  
CONTRACT TRANSACTIONS:                                                                                                       
   Purchase payments received                                                                                                
     from contract owners.........        28,240,878        44,864,297         95,062,807       151,288,040                  
   Net transfers (including fixed                                                                                            
     account).....................       (4,702,128)         1,427,489         81,921,721        42,203,327                  
   Contract charges...............       (2,681,923)       (1,901,589)        (7,949,861)       (6,040,609)                  
   Transfers for contract benefits                                                                                           
     and terminations.............      (13,997,790)       (9,026,061)       (55,184,071)      (49,923,251)                  
                                    ----------------  ----------------  -----------------  ----------------                  
     Net increase (decrease) in                                                                                              
       net assets resulting from                                                                                             
       contract transactions......         6,859,037        35,364,136        113,850,596       137,527,507                  
                                    ----------------  ----------------  -----------------  ----------------                  
     Net increase (decrease)                                                                                                 
       in net assets..............        77,712,015        51,576,572        114,551,817       204,515,491                  
NET ASSETS:                                                                                                                  
   Beginning of year..............       220,043,655       168,467,083        804,777,040       600,261,549                  
                                    ----------------  ----------------  -----------------  ----------------                  
   End of year....................  $    297,755,670  $    220,043,655  $     919,328,857  $    804,777,040                  
                                    ================  ================  =================  ================                  


                                                                           MIST PYRAMIS                                      
                                      MIST PYRAMIS GOVERNMENT INCOME       MANAGED RISK     MIST SCHRODERS GLOBAL MULTI-ASSET
                                                SUB-ACCOUNT                 SUB-ACCOUNT                SUB-ACCOUNT           
                                    -----------------------------------  ----------------  ----------------------------------
                                          2013              2012             2013 (d)            2013            2012 (b)    
                                    ----------------  -----------------  ----------------  ----------------  ----------------
                                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                                           
FROM OPERATIONS:                                                                                                             
   Net investment income (loss)...  $      1,187,173  $    (10,117,810)  $        251,733  $    (4,795,245)  $        500,116
   Net realized gains (losses)....         2,758,477          1,490,373         1,330,956         2,079,740         3,101,742
   Change in unrealized gains                                                                                                
     (losses) on investments......      (56,847,411)         18,800,148         1,889,489        31,029,531         3,115,131
                                    ----------------  -----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                                                 
       in net assets resulting                                                                                               
       from operations............      (52,901,761)         10,172,711         3,472,178        28,314,026         6,716,989
                                    ----------------  -----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                                       
   Purchase payments received                                                                                                
     from contract owners.........        63,436,489        302,268,640        11,152,445        68,362,808       102,099,034
   Net transfers (including fixed                                                                                            
     account).....................     (213,162,045)        203,505,051        64,918,197       161,034,274        84,640,438
   Contract charges...............      (12,240,571)        (8,518,130)         (309,972)       (4,470,986)         (248,694)
   Transfers for contract benefits                                                                                           
     and terminations.............      (38,279,793)       (29,014,385)         (815,619)       (9,919,594)       (1,322,606)
                                    ----------------  -----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                                              
       net assets resulting from                                                                                             
       contract transactions......     (200,245,920)        468,241,176        74,945,051       215,006,502       185,168,172
                                    ----------------  -----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                                                 
       in net assets..............     (253,147,681)        478,413,887        78,417,229       243,320,528       191,885,161
NET ASSETS:                                                                                                                  
   Beginning of year..............       968,887,238        490,473,351                --       191,885,161                --
                                    ----------------  -----------------  ----------------  ----------------  ----------------
   End of year....................  $    715,739,557  $     968,887,238  $     78,417,229  $    435,205,689  $    191,885,161
                                    ================  =================  ================  ================  ================

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]


                                      MIST SSGA GROWTH AND INCOME ETF           MIST SSGA GROWTH ETF         
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ----------------------------------- 
                                          2013              2012               2013               2012       
                                    ----------------  ----------------   -----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $     15,406,854  $     13,091,362   $       2,717,724  $      1,829,679 
   Net realized gains (losses)....        56,799,502        42,136,114          25,386,819        23,356,452 
   Change in unrealized gains                                                                                
     (losses) on investments......        92,923,301        98,280,740          44,458,197        28,469,195 
                                    ----------------  ----------------   -----------------  ---------------- 
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............       165,129,657       153,508,216          72,562,740        53,655,326 
                                    ----------------  ----------------   -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........        11,860,244        46,035,006           5,978,512        21,002,248 
   Net transfers (including fixed                                                                            
     account).....................      (37,705,533)         (195,586)           6,512,325      (12,945,274) 
   Contract charges...............      (18,210,457)      (18,086,953)         (4,933,205)       (4,790,029) 
   Transfers for contract benefits                                                                           
     and terminations.............      (64,397,713)      (50,499,266)        (18,680,473)      (17,887,141) 
                                    ----------------  ----------------   -----------------  ---------------- 
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......     (108,453,459)      (22,746,799)        (11,122,841)      (14,620,196) 
                                    ----------------  ----------------   -----------------  ---------------- 
     Net increase (decrease)                                                                                 
       in net assets..............        56,676,198       130,761,417          61,439,899        39,035,130 
NET ASSETS:                                                                                                  
   Beginning of year..............     1,521,502,479     1,390,741,062         448,167,959       409,132,829 
                                    ----------------  ----------------   -----------------  ---------------- 
   End of year....................  $  1,578,178,677  $  1,521,502,479   $     509,607,858  $    448,167,959 
                                    ================  ================   =================  ================ 


                                                                                        MIST                 
                                    MIST T. ROWE PRICE LARGE CAP VALUE      T. ROWE PRICE MID CAP GROWTH     
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ----------------------------------- 
                                          2013              2012                2013              2012       
                                    ----------------  ----------------   -----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $        274,524  $      (196,934)   $     (7,216,909)  $    (7,430,645) 
   Net realized gains (losses)....        12,380,070       (4,291,658)          44,126,921        66,125,790 
   Change in unrealized gains                                                                                
     (losses) on investments......       154,938,541        84,038,159         116,792,789       (7,225,269) 
                                    ----------------  ----------------   -----------------  ---------------- 
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............       167,593,135        79,549,567         153,702,801        51,469,876 
                                    ----------------  ----------------   -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........         7,988,896        11,676,417           4,862,681        13,185,984 
   Net transfers (including fixed                                                                            
     account).....................         4,058,593      (16,072,648)        (21,028,467)       (5,883,360) 
   Contract charges...............       (3,122,742)       (2,725,048)         (4,805,296)       (4,454,613) 
   Transfers for contract benefits                                                                           
     and terminations.............      (55,363,943)      (42,677,000)        (31,385,247)      (25,927,937) 
                                    ----------------  ----------------   -----------------  ---------------- 
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......      (46,439,196)      (49,798,279)        (52,356,329)      (23,079,926) 
                                    ----------------  ----------------   -----------------  ---------------- 
     Net increase (decrease)                                                                                 
       in net assets..............       121,153,939        29,751,288         101,346,472        28,389,950 
NET ASSETS:                                                                                                  
   Beginning of year..............       536,790,380       507,039,092         467,536,275       439,146,325 
                                    ----------------  ----------------   -----------------  ---------------- 
   End of year....................  $    657,944,319  $    536,790,380   $     568,882,747  $    467,536,275 
                                    ================  ================   =================  ================ 


                                                   MIST                                  MSF                 
                                       THIRD AVENUE SMALL CAP VALUE      BAILLIE GIFFORD INTERNATIONAL STOCK 
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ------------------------------------
                                          2013              2012                2013              2012       
                                    ----------------  -----------------   ----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $    (1,972,508)  $     (4,874,313)   $    (3,165,848)  $       (13,133) 
   Net realized gains (losses)....        14,422,998          4,677,378          1,385,436         (385,254) 
   Change in unrealized gains                                                                                
     (losses) on investments......        71,078,415         44,432,620         31,198,214           847,778 
                                    ----------------  -----------------   ----------------  ---------------- 
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............        83,528,905         44,235,685         29,417,802           449,391 
                                    ----------------  -----------------   ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........         2,497,715          6,340,050          1,422,162             3,449 
   Net transfers (including fixed                                                                            
     account).....................      (16,141,981)       (30,637,666)        282,688,482            78,870 
   Contract charges...............       (2,257,569)        (2,277,977)        (2,205,156)             (851) 
   Transfers for contract benefits                                                                           
     and terminations.............      (24,465,425)       (20,652,202)       (10,455,850)         (748,795) 
                                    ----------------  -----------------   ----------------  ---------------- 
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......      (40,367,260)       (47,227,795)        271,449,638         (667,327) 
                                    ----------------  -----------------   ----------------  ---------------- 
     Net increase (decrease)                                                                                 
       in net assets..............        43,161,645        (2,992,110)        300,867,440         (217,936) 
NET ASSETS:                                                                                                  
   Beginning of year..............       287,540,317        290,532,427          2,585,607         2,803,543 
                                    ----------------  -----------------   ----------------  ---------------- 
   End of year....................  $    330,701,962  $     287,540,317   $    303,453,047  $      2,585,607 
                                    ================  =================   ================  ================ 



                                     MSF BARCLAYS AGGREGATE BOND INDEX                                       
                                                SUB-ACCOUNT                                                  
                                    -----------------------------------                                      
                                           2013              2012                                            
                                    -----------------  ----------------                                      
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $       2,684,004  $      2,743,171                                      
   Net realized gains (losses)....          (145,067)           313,783                                      
   Change in unrealized gains                                                                                
     (losses) on investments......        (8,883,122)         (228,315)                                      
                                    -----------------  ----------------                                      
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............        (6,344,185)         2,828,639                                      
                                    -----------------  ----------------                                      
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........         11,149,289         8,092,766                                      
   Net transfers (including fixed                                                                            
     account).....................         15,951,296        18,316,110                                      
   Contract charges...............        (1,698,851)       (1,557,565)                                      
   Transfers for contract benefits                                                                           
     and terminations.............        (8,039,466)       (6,300,163)                                      
                                    -----------------  ----------------                                      
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......         17,362,268        18,551,148                                      
                                    -----------------  ----------------                                      
     Net increase (decrease)                                                                                 
       in net assets..............         11,018,083        21,379,787                                      
NET ASSETS:                                                                                                  
   Beginning of year..............        151,553,766       130,173,979                                      
                                    -----------------  ----------------                                      
   End of year....................  $     162,571,849  $    151,553,766                                      
                                    =================  ================                                      

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                        MSF                                 
                                         MSF BLACKROCK BOND INCOME        BLACKROCK CAPITAL APPRECIATION                    
                                                SUB-ACCOUNT                         SUB-ACCOUNT                             
                                    ----------------------------------  ----------------------------------                  
                                          2013              2012              2013              2012                        
                                    ----------------  ----------------  ----------------  ----------------                  
                                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                                          
FROM OPERATIONS:                                                                                                            
   Net investment income (loss)...  $      1,256,228  $        421,147  $      (112,438)  $      (164,210)                  
   Net realized gains (losses)....         1,515,855           610,488           691,188           625,272                  
   Change in unrealized gains                                                                                               
     (losses) on investments......       (4,322,733)         1,764,307         3,229,055         1,002,738                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease)                                                                                                
       in net assets resulting                                                                                              
       from operations............       (1,550,650)         2,795,942         3,807,805         1,463,800                  
                                    ----------------  ----------------  ----------------  ----------------                  
CONTRACT TRANSACTIONS:                                                                                                      
   Purchase payments received                                                                                               
     from contract owners.........         5,100,261         7,467,492         1,032,741         1,584,174                  
   Net transfers (including fixed                                                                                           
     account).....................         1,673,798         3,261,765          (69,939)       (1,606,379)                  
   Contract charges...............         (567,749)         (523,968)         (108,766)          (99,934)                  
   Transfers for contract benefits                                                                                          
     and terminations.............       (5,292,686)       (4,651,283)       (1,221,109)         (858,701)                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease) in                                                                                             
       net assets resulting from                                                                                            
       contract transactions......           913,624         5,554,006         (367,073)         (980,840)                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease)                                                                                                
       in net assets..............         (637,026)         8,349,948         3,440,732           482,960                  
NET ASSETS:                                                                                                                 
   Beginning of year..............        57,888,933        49,538,985        11,831,610        11,348,650                  
                                    ----------------  ----------------  ----------------  ----------------                  
   End of year....................  $     57,251,907  $     57,888,933  $     15,272,342  $     11,831,610                  
                                    ================  ================  ================  ================                  



                                       MSF BLACKROCK LARGE CAP VALUE        MSF BLACKROCK MONEY MARKET                      
                                                SUB-ACCOUNT                         SUB-ACCOUNT                             
                                    ----------------------------------  ----------------------------------                  
                                          2013              2012              2013              2012                        
                                    ----------------  ----------------  ----------------  ----------------                  
                                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                                          
FROM OPERATIONS:                                                                                                            
   Net investment income (loss)...  $          1,769  $          7,990  $    (8,012,597)  $    (9,036,407)                  
   Net realized gains (losses)....           196,427           387,537                --                --                  
   Change in unrealized gains                                                                                               
     (losses) on investments......           706,190          (36,111)                --                --                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease)                                                                                                
       in net assets resulting                                                                                              
       from operations............           904,386           359,416       (8,012,597)       (9,036,407)                  
                                    ----------------  ----------------  ----------------  ----------------                  
CONTRACT TRANSACTIONS:                                                                                                      
   Purchase payments received                                                                                               
     from contract owners.........           170,505           199,805        35,808,232        73,504,419                  
   Net transfers (including fixed                                                                                           
     account).....................           180,009         (190,041)       (7,315,471)       (7,665,689)                  
   Contract charges...............             (147)             (160)       (5,349,795)       (5,431,164)                  
   Transfers for contract benefits                                                                                          
     and terminations.............         (439,359)         (282,152)     (122,897,380)     (115,886,270)                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease) in                                                                                             
       net assets resulting from                                                                                            
       contract transactions......          (88,992)         (272,548)      (99,754,414)      (55,478,704)                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease)                                                                                                
       in net assets..............           815,394            86,868     (107,767,011)      (64,515,111)                  
NET ASSETS:                                                                                                                 
   Beginning of year..............         2,977,532         2,890,664       569,109,901       633,625,012                  
                                    ----------------  ----------------  ----------------  ----------------                  
   End of year....................  $      3,792,926  $      2,977,532  $    461,342,890  $    569,109,901                  
                                    ================  ================  ================  ================                  


                                                                          MSF FRONTIER                                      
                                          MSF DAVIS VENTURE VALUE        MID CAP GROWTH           MSF JENNISON GROWTH       
                                                SUB-ACCOUNT                SUB-ACCOUNT                SUB-ACCOUNT           
                                    ----------------------------------  ----------------  ----------------------------------
                                          2013              2012            2013 (d)            2013              2012      
                                    ----------------  ----------------  ----------------  ----------------  ----------------
                                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                                          
FROM OPERATIONS:                                                                                                            
   Net investment income (loss)...  $    (2,024,413)  $    (5,420,518)  $      (897,791)  $    (7,335,002)  $    (6,766,082)
   Net realized gains (losses)....        40,523,317        16,667,444         1,222,819        20,299,862        52,244,975
   Change in unrealized gains                                                                                               
     (losses) on investments......       130,538,788        50,920,457        14,503,587       145,943,839      (18,349,887)
                                    ----------------  ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                                                
       in net assets resulting                                                                                              
       from operations............       169,037,692        62,167,383        14,828,615       158,908,699        27,129,006
                                    ----------------  ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                                      
   Purchase payments received                                                                                               
     from contract owners.........         5,918,436        14,661,575           339,204         3,447,603        10,762,342
   Net transfers (including fixed                                                                                           
     account).....................      (37,323,562)      (59,639,705)        73,026,037       (2,923,592)       213,225,860
   Contract charges...............       (4,862,149)       (5,059,157)         (461,156)       (3,962,178)       (3,408,013)
   Transfers for contract benefits                                                                                          
     and terminations.............      (46,536,304)      (38,956,468)       (4,081,537)      (38,611,159)      (27,116,459)
                                    ----------------  ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                                             
       net assets resulting from                                                                                            
       contract transactions......      (82,803,579)      (88,993,755)        68,822,548      (42,049,326)       193,463,730
                                    ----------------  ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                                                
       in net assets..............        86,234,113      (26,826,372)        83,651,163       116,859,373       220,592,736
NET ASSETS:                                                                                                                 
   Beginning of year..............       572,327,325       599,153,697                --       468,764,846       248,172,110
                                    ----------------  ----------------  ----------------  ----------------  ----------------
   End of year....................  $    658,561,438  $    572,327,325  $     83,651,163  $    585,624,219  $    468,764,846
                                    ================  ================  ================  ================  ================

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                         MSF                 
                                     MSF LOOMIS SAYLES SMALL CAP CORE      LOOMIS SAYLES SMALL CAP GROWTH    
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ----------------------------------  
                                          2013              2012               2013            2012 (b)      
                                    ----------------  -----------------  ----------------  ----------------  
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $      (200,052)  $       (204,728)  $        (1,411)  $          (109)  
   Net realized gains (losses)....         1,982,997            586,780            10,812                 1  
   Change in unrealized gains                                                                                
     (losses) on investments......         2,464,698            882,105            37,804             1,023  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations...........         4,247,643          1,264,157            47,205               915  
                                    ----------------  -----------------  ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........           344,417          1,667,845            71,019            37,207  
   Net transfers (including fixed                                                                            
     account).....................       (1,074,960)          (236,709)            72,654             2,807  
   Contract charges...............         (173,285)          (146,127)             (292)                --  
   Transfers for contract benefits                                                                           
     and terminations.............       (1,065,267)          (534,188)           (4,711)               (2)  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions.....       (1,969,095)            750,821           138,670            40,012  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets.............         2,278,548          2,014,978           185,875            40,927  
NET ASSETS:                                                                                                  
   Beginning of year..............        12,332,225         10,317,247            40,927                --  
                                    ----------------  -----------------  ----------------  ----------------  
   End of year....................  $     14,610,773  $      12,332,225  $        226,802  $         40,927  
                                    ================  =================  ================  ================  


                                                                                MSF MET/DIMENSIONAL          
                                      MSF MET/ARTISAN MID CAP VALUE         INTERNATIONAL SMALL COMPANY      
                                               SUB-ACCOUNT                          SUB-ACCOUNT              
                                    ----------------------------------  -----------------------------------  
                                          2013              2012               2013              2012        
                                    ----------------  ----------------  -----------------  ----------------  
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $    (2,081,656)  $    (1,777,619)  $          75,530  $        301,440  
   Net realized gains (losses)....         2,704,503       (3,905,883)          2,053,871         3,990,436  
   Change in unrealized gains                                                                                
     (losses) on investments......        71,939,639        26,191,820         11,472,763         3,392,556  
                                    ----------------  ----------------  -----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations...........        72,562,486        20,508,318         13,602,164         7,684,432  
                                    ----------------  ----------------  -----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........         2,406,731         4,670,705            946,915         2,031,164  
   Net transfers (including fixed                                                                            
     account).....................        15,760,862       (4,614,193)          2,187,268       (1,495,504)  
   Contract charges...............       (1,572,787)       (1,472,349)          (559,879)         (519,052)  
   Transfers for contract benefits                                                                           
     and terminations.............      (20,643,858)      (17,348,925)        (2,632,342)       (2,307,911)  
                                    ----------------  ----------------  -----------------  ----------------  
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions.....       (4,049,052)      (18,764,762)           (58,038)       (2,291,303)  
                                    ----------------  ----------------  -----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets.............        68,513,434         1,743,556         13,544,126         5,393,129  
NET ASSETS:                                                                                                  
   Beginning of year..............       217,257,576       215,514,020         52,618,293        47,225,164  
                                    ----------------  ----------------  -----------------  ----------------  
   End of year....................  $    285,771,010  $    217,257,576  $      66,162,419  $     52,618,293  
                                    ================  ================  =================  ================  


                                                                                      MSF METLIFE            
                                    MSF METLIFE CONSERVATIVE ALLOCATION   CONSERVATIVE TO MODERATE ALLOCATION
                                                SUB-ACCOUNT                           SUB-ACCOUNT            
                                    ------------------------------------  -----------------------------------
                                          2013               2012               2013              2012       
                                    -----------------  ----------------   ----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $         123,598  $        152,780   $         60,178  $         85,571 
   Net realized gains (losses)....            324,295           493,943            205,663           122,762 
   Change in unrealized gains                                                                                
     (losses) on investments......          (227,599)            57,363            395,866           444,706 
                                    -----------------  ----------------   ----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations...........            220,294           704,086            661,707           653,039 
                                    -----------------  ----------------   ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........                 --            26,093                 --             7,045 
   Net transfers (including fixed                                                                            
     account).....................          (726,171)         (539,314)            151,035           495,113 
   Contract charges...............           (83,224)          (83,156)           (63,032)          (61,615) 
   Transfers for contract benefits                                                                           
     and terminations.............        (1,568,517)         (848,031)          (594,121)         (660,740) 
                                    -----------------  ----------------   ----------------  ---------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions.....        (2,377,912)       (1,444,408)          (506,118)         (220,197) 
                                    -----------------  ----------------   ----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets.............        (2,157,618)         (740,322)            155,589           432,842 
NET ASSETS:                                                                                                  
   Beginning of year..............          9,655,026        10,395,348          7,576,787         7,143,945 
                                    -----------------  ----------------   ----------------  ---------------- 
   End of year....................  $       7,497,408  $      9,655,026   $      7,732,376  $      7,576,787 
                                    =================  ================   ================  ================ 



                                      MSF METLIFE MID CAP STOCK INDEX                                        
                                                SUB-ACCOUNT                                                  
                                    -----------------------------------                                      
                                          2013               2012                                            
                                    -----------------  ----------------                                      
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $       (566,013)  $      (572,617)                                      
   Net realized gains (losses)....          6,964,753         4,370,936                                      
   Change in unrealized gains                                                                                
     (losses) on investments......         23,599,476         8,138,980                                      
                                    -----------------  ----------------                                      
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations...........         29,998,216        11,937,299                                      
                                    -----------------  ----------------                                      
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........          3,805,517         5,096,199                                      
   Net transfers (including fixed                                                                            
     account).....................          9,018,341       (1,239,620)                                      
   Contract charges...............          (966,588)         (736,669)                                      
   Transfers for contract benefits                                                                           
     and terminations.............        (4,961,109)       (3,873,437)                                      
                                    -----------------  ----------------                                      
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions.....          6,896,161         (753,527)                                      
                                    -----------------  ----------------                                      
     Net increase (decrease)                                                                                 
        in net assets.............         36,894,377        11,183,772                                      
NET ASSETS:                                                                                                  
   Beginning of year..............         88,989,701        77,805,929                                      
                                    -----------------  ----------------                                      
   End of year....................  $     125,884,078  $     88,989,701                                      
                                    =================  ================                                      

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                    MSF METLIFE            
                                      MSF METLIFE MODERATE ALLOCATION    MODERATE TO AGGRESSIVE ALLOCATION 
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  -----------------------------------
                                          2013              2012              2013              2012       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $        111,426  $        277,463  $      (147,761)  $         87,401 
   Net realized gains (losses)....         1,018,931           338,723           927,158          (18,329) 
   Change in unrealized gains                                                                              
     (losses) on investments......         5,244,250         3,990,206        10,180,246         6,305,708 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............         6,374,607         4,606,392        10,959,643         6,374,780 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........           333,489           235,760           209,284           490,083 
   Net transfers (including fixed                                                                          
     account).....................           189,896       (2,028,081)       (1,014,032)         (857,665) 
   Contract charges...............         (368,244)         (397,645)         (511,319)         (518,714) 
   Transfers for contract benefits                                                                         
     and terminations.............       (3,563,775)       (5,009,708)       (4,103,646)       (2,489,601) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       (3,408,634)       (7,199,674)       (5,419,713)       (3,375,897) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............         2,965,973       (2,593,282)         5,539,930         2,998,883 
NET ASSETS:                                                                                                
   Beginning of year..............        41,689,448        44,282,730        51,720,857        48,721,974 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $     44,655,421  $     41,689,448  $     57,260,787  $     51,720,857 
                                    ================  ================  ================  ================ 



                                          MSF METLIFE STOCK INDEX              MSF MFS TOTAL RETURN        
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  ---------------------------------- 
                                          2013              2012              2013              2012       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $        126,616  $      (576,725)  $        297,490  $        424,862 
   Net realized gains (losses)....        23,490,755        16,988,226           439,651         (156,072) 
   Change in unrealized gains                                                                              
     (losses) on investments......       106,939,595        36,899,374         5,520,960         3,058,830 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............       130,556,966        53,310,875         6,258,101         3,327,620 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         9,905,483        13,972,783         2,347,250         2,818,361 
   Net transfers (including fixed                                                                          
     account).....................        10,729,964        52,688,716         5,946,371         (315,421) 
   Contract charges...............       (3,364,435)       (2,778,637)         (195,752)         (109,645) 
   Transfers for contract benefits                                                                         
     and terminations.............      (33,312,519)      (26,428,489)       (3,656,176)       (6,767,115) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......      (16,041,507)        37,454,373         4,441,693       (4,373,820) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............       114,515,459        90,765,248        10,699,794       (1,046,200) 
NET ASSETS:                                                                                                
   Beginning of year..............       446,759,028       355,993,780        35,344,618        36,390,818 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    561,274,487  $    446,759,028  $     46,044,412  $     35,344,618 
                                    ================  ================  ================  ================ 



                                               MSF MFS VALUE                   MSF MSCI EAFE INDEX         
                                                SUB-ACCOUNT                        SUB-ACCOUNT             
                                    ---------------------------------  ----------------------------------  
                                          2013             2012              2013              2012        
                                    ----------------  ---------------  ----------------  ----------------  
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $    (1,920,146)  $       114,295  $      1,388,628  $      1,054,723  
   Net realized gains (losses)....         5,190,690        1,137,911         1,008,944         (680,643)  
   Change in unrealized gains                                                                              
     (losses) on investments......        43,048,658        5,105,739        15,456,919        11,210,227  
                                    ----------------  ---------------  ----------------  ----------------  
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        46,319,202        6,357,945        17,854,491        11,584,307  
                                    ----------------  ---------------  ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         3,226,292        4,333,740         3,337,616         5,049,892  
   Net transfers (including fixed                                                                          
     account).....................       176,696,995      (2,214,337)        14,653,612         (493,052)  
   Contract charges...............       (1,727,489)        (405,280)         (946,782)         (714,896)  
   Transfers for contract benefits                                                                         
     and terminations.............      (12,316,297)      (3,551,720)       (4,106,316)       (3,180,913)  
                                    ----------------  ---------------  ----------------  ----------------  
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       165,879,501      (1,837,597)        12,938,130           661,031  
                                    ----------------  ---------------  ----------------  ----------------  
     Net increase (decrease)                                                                               
       in net assets..............       212,198,703        4,520,348        30,792,621        12,245,338  
NET ASSETS:                                                                                                
   Beginning of year..............        48,275,261       43,754,913        81,404,548        69,159,210  
                                    ----------------  ---------------  ----------------  ----------------  
   End of year....................  $    260,473,964  $    48,275,261  $    112,197,169  $     81,404,548  
                                    ================  ===============  ================  ================  



                                      MSF NEUBERGER BERMAN GENESIS                                         
                                               SUB-ACCOUNT                                                 
                                    ----------------------------------                                     
                                          2013              2012                                           
                                    ----------------  ----------------                                     
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $    (1,702,008)  $      (124,305)                                     
   Net realized gains (losses)....         2,307,614         (160,855)                                     
   Change in unrealized gains                                                                              
     (losses) on investments......        36,584,374         1,235,418                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        37,189,980           950,258                                     
                                    ----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         1,534,745         1,660,390                                     
   Net transfers (including fixed                                                                          
     account).....................       130,824,603       (1,236,464)                                     
   Contract charges...............         (883,958)          (14,681)                                     
   Transfers for contract benefits                                                                         
     and terminations.............       (8,216,818)         (827,588)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       123,258,572         (418,343)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets..............       160,448,552           531,915                                     
NET ASSETS:                                                                                                
   Beginning of year..............        11,798,908        11,266,993                                     
                                    ----------------  ----------------                                     
   End of year....................  $    172,247,460  $     11,798,908                                     
                                    ================  ================                                     

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                       MSF                
                                          MSF RUSSELL 2000 INDEX         T. ROWE PRICE LARGE CAP GROWTH   
                                                SUB-ACCOUNT                        SUB-ACCOUNT            
                                    ----------------------------------  ----------------------------------
                                          2013              2012              2013              2012      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $      (279,727)  $      (489,405)  $    (1,361,307)  $       (26,562)
   Net realized gains (losses)....         2,980,519         3,012,181         1,274,164           134,449
   Change in unrealized gains                                                                             
     (losses) on investments......        32,072,788         8,632,997        29,734,972           129,142
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............        34,773,580        11,155,773        29,647,829           237,029
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........         3,036,517         4,246,140         1,216,598             3,080
   Net transfers (including fixed                                                                         
     account).....................        17,108,088        16,541,440       125,845,085           255,979
   Contract charges...............         (979,907)         (752,572)         (670,738)             (569)
   Transfers for contract benefits                                                                        
     and terminations.............       (4,618,795)       (3,521,274)       (5,610,315)         (459,528)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......        14,545,903        16,513,734       120,780,630         (201,038)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............        49,319,483        27,669,507       150,428,459            35,991
NET ASSETS:                                                                                               
   Beginning of year..............        91,750,975        64,081,468         1,501,612         1,465,621
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $    141,070,458  $     91,750,975  $    151,930,071  $      1,501,612
                                    ================  ================  ================  ================


                                                   MSF                                 MSF                
                                     T. ROWE PRICE SMALL CAP GROWTH     VAN ECK GLOBAL NATURAL RESOURCES  
                                               SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  ----------------------------------
                                          2013              2012              2013              2012      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $      (118,410)  $      (120,658)  $      (992,724)  $    (1,735,261)
   Net realized gains (losses)....         1,190,765         1,108,096       (2,668,683)         5,438,424
   Change in unrealized gains                                                                             
     (losses) on investments......         2,047,671            44,932        13,797,608       (1,471,349)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............         3,120,026         1,032,370        10,136,201         2,231,814
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........           217,643           162,113           944,635         3,689,394
   Net transfers (including fixed                                                                         
     account).....................            76,680         (200,702)      (11,189,728)         4,851,544
   Contract charges...............          (65,804)          (62,062)       (1,460,573)       (1,484,490)
   Transfers for contract benefits                                                                        
     and terminations.............         (634,727)         (622,866)       (3,878,019)       (3,724,214)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......         (406,208)         (723,517)      (15,583,685)         3,332,234
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............         2,713,818           308,853       (5,447,484)         5,564,048
NET ASSETS:                                                                                               
   Beginning of year..............         7,808,995         7,500,142       111,896,983       106,332,935
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $     10,522,813  $      7,808,995  $    106,449,499  $    111,896,983
                                    ================  ================  ================  ================


                                                MSF WESTERN                                               
                                     ASSET MANAGEMENT U.S. GOVERNMENT        NEUBERGER BERMAN GENESIS     
                                                SUB-ACCOUNT                         SUB-ACCOUNT           
                                    ----------------------------------  ----------------------------------
                                          2013              2012              2013              2012      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $      1,546,993  $      1,122,805  $           (53)  $           (52)
   Net realized gains (losses)....            12,769           531,096               749               348
   Change in unrealized gains                                                                             
     (losses) on investments......       (8,825,000)         2,934,349             2,197               363
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............       (7,265,238)         4,588,250             2,893               659
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........        17,581,036        39,776,656                --                --
   Net transfers (including fixed                                                                         
     account).....................       (7,036,962)         8,514,246                --                --
   Contract charges...............       (3,057,823)       (2,890,949)                --                --
   Transfers for contract benefits                                                                        
     and terminations.............      (21,660,910)      (22,207,896)               (3)               (1)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......      (14,174,659)        23,192,057               (3)               (1)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............      (21,439,897)        27,780,307             2,890               658
NET ASSETS:                                                                                               
   Beginning of year..............       313,310,285       285,529,978             8,101             7,443
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $    291,870,388  $    313,310,285  $         10,991  $          8,101
                                    ================  ================  ================  ================



                                        OPPENHEIMER VA CORE BOND                                          
                                               SUB-ACCOUNT                                                
                                    ----------------------------------                                    
                                          2013              2012                                          
                                    ----------------  ----------------                                    
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $            335  $            311                                    
   Net realized gains (losses)....             (126)             (598)                                    
   Change in unrealized gains                                                                             
     (losses) on investments......             (342)             1,084                                    
                                    ----------------  ----------------                                    
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............             (133)               797                                    
                                    ----------------  ----------------                                    
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........                --                --                                    
   Net transfers (including fixed                                                                         
     account).....................                --                --                                    
   Contract charges...............                --                --                                    
   Transfers for contract benefits                                                                        
     and terminations.............             (279)           (1,889)                                    
                                    ----------------  ----------------                                    
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......             (279)           (1,889)                                    
                                    ----------------  ----------------                                    
     Net increase (decrease)                                                                              
       in net assets..............             (412)           (1,092)                                    
NET ASSETS:                                                                                               
   Beginning of year..............             9,058            10,150                                    
                                    ----------------  ----------------                                    
   End of year....................  $          8,646  $          9,058                                    
                                    ================  ================                                    

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                             OPPENHEIMER VA                                                
                                         GLOBAL STRATEGIC INCOME            OPPENHEIMER VA MAIN STREET     
                                               SUB-ACCOUNT                          SUB-ACCOUNT            
                                    ----------------------------------  -----------------------------------
                                          2013              2012              2013               2012      
                                    ----------------  ----------------  ----------------  -----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $            164  $            199  $          (280)  $           (512)
   Net realized gains (losses)....                 8                54             1,403              4,748
   Change in unrealized gains                                                                              
     (losses) on investments......             (240)               229            23,373             10,567
                                    ----------------  ----------------  ----------------  -----------------
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............              (68)               482            24,496             14,803
                                    ----------------  ----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........                --                --                --                 --
   Net transfers (including fixed                                                                          
     account).....................                --                 5                --                 --
   Contract charges...............                --                --                --                 --
   Transfers for contract benefits                                                                         
     and terminations.............               (2)                --           (4,120)           (38,440)
                                    ----------------  ----------------  ----------------  -----------------
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......               (2)                 5           (4,120)           (38,440)
                                    ----------------  ----------------  ----------------  -----------------
     Net increase (decrease)                                                                               
       in net assets..............              (70)               487            20,376           (23,637)
NET ASSETS:                                                                                                
   Beginning of year..............             4,562             4,075            83,663            107,300
                                    ----------------  ----------------  ----------------  -----------------
   End of year....................  $          4,492  $          4,562  $        104,039  $          83,663
                                    ================  ================  ================  =================


                                             OPPENHEIMER VA                                                
                                          MAIN STREET SMALL CAP                OPPENHEIMER VA MONEY        
                                               SUB-ACCOUNT                          SUB-ACCOUNT            
                                    ----------------------------------  ---------------------------------- 
                                          2013              2012              2013              2012       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $      (725,297)  $      (928,472)  $          (102)  $        (1,590) 
   Net realized gains (losses)....         6,330,488         1,063,609                --                -- 
   Change in unrealized gains                                                                              
     (losses) on investments......        30,298,071        13,086,051                --                -- 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        35,903,262        13,221,188             (102)           (1,590) 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         7,423,119         7,613,898                --                -- 
   Net transfers (including fixed                                                                          
     account).....................       (9,338,929)       (1,388,199)                --                -- 
   Contract charges...............       (1,036,361)         (862,843)                --                -- 
   Transfers for contract benefits                                                                         
     and terminations.............       (5,997,839)       (3,986,210)         (108,863)             (154) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       (8,950,010)         1,376,646         (108,863)             (154) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............        26,953,252        14,597,834         (108,965)           (1,744) 
NET ASSETS:                                                                                                
   Beginning of year..............        96,092,155        81,494,321           112,965           114,709 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    123,045,407  $     96,092,155  $          4,000  $        112,965 
                                    ================  ================  ================  ================ 



                                       PIONEER VCT DISCIPLINED VALUE       PIONEER VCT EMERGING MARKETS    
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  -----------------------------------
                                          2013              2012               2013              2012      
                                    ----------------  ----------------  -----------------  ----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $          1,598  $       (11,306)  $         (4,954)  $       (11,558)
   Net realized gains (losses)....           284,647            39,918              (140)            25,278
   Change in unrealized gains                                                                              
     (losses) on investments......           226,657           154,904           (21,981)            54,203
                                    ----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............           512,902           183,516           (27,075)            67,923
                                    ----------------  ----------------  -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........             2,355             3,689              1,280             3,564
   Net transfers (including fixed                                                                          
     account).....................         (515,063)           (8,654)             14,296            97,437
   Contract charges...............          (26,379)          (24,154)            (8,404)           (8,283)
   Transfers for contract benefits                                                                         
     and terminations.............         (107,501)          (53,735)           (49,534)          (75,321)
                                    ----------------  ----------------  -----------------  ----------------
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......         (646,588)          (82,854)           (42,362)            17,397
                                    ----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets..............         (133,686)           100,662           (69,437)            85,320
NET ASSETS:                                                                                                
   Beginning of year..............         2,136,823         2,036,161            791,020           705,700
                                    ----------------  ----------------  -----------------  ----------------
   End of year....................  $      2,003,137  $      2,136,823  $         721,583  $        791,020
                                    ================  ================  =================  ================



                                         PIONEER VCT EQUITY INCOME                                         
                                                SUB-ACCOUNT                                                
                                    ----------------------------------                                     
                                          2013              2012                                           
                                    ----------------  ----------------                                     
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $          3,468  $         11,313                                     
   Net realized gains (losses)....            17,885             4,300                                     
   Change in unrealized gains                                                                              
     (losses) on investments......           119,241            22,355                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............           140,594            37,968                                     
                                    ----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........             2,835             3,646                                     
   Net transfers (including fixed                                                                          
     account).....................          (47,268)           142,735                                     
   Contract charges...............           (6,096)           (5,521)                                     
   Transfers for contract benefits                                                                         
     and terminations.............           (1,161)           (1,130)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......          (51,690)           139,730                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets..............            88,904           177,698                                     
NET ASSETS:                                                                                                
   Beginning of year..............           548,970           371,272                                     
                                    ----------------  ----------------                                     
   End of year....................  $        637,874  $        548,970                                     
                                    ================  ================                                     

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                PIONEER VCT                           PIONEER VCT             
                                        IBBOTSON GROWTH ALLOCATION           IBBOTSON MODERATE ALLOCATION     
                                                SUB-ACCOUNT                           SUB-ACCOUNT             
                                    ------------------------------------  ----------------------------------  
                                          2013               2012               2013              2012        
                                    -----------------  -----------------  ----------------  ----------------  
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $          22,729  $          19,019  $        228,243  $        255,252  
   Net realized gains (losses).....           774,226            369,421           856,488           292,055  
   Change in unrealized gains                                                                                 
     (losses) on investments.......         2,367,042          1,375,293         2,920,605         2,023,933  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............         3,163,997          1,763,733         4,005,336         2,571,240  
                                    -----------------  -----------------  ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........            85,890            641,966           148,361           195,281  
   Net transfers (including fixed                                                                             
     account)......................           268,913          (586,915)         (864,929)           603,458  
   Contract charges................         (180,697)          (176,884)         (364,481)         (347,432)  
   Transfers for contract benefits                                                                            
     and terminations..............       (1,602,862)          (271,037)       (1,164,852)         (549,849)  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......       (1,428,756)          (392,870)       (2,245,901)          (98,542)  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                  
        in net assets..............         1,735,241          1,370,863         1,759,435         2,472,698  
NET ASSETS:                                                                                                   
   Beginning of year...............        19,107,227         17,736,364        28,441,628        25,968,930  
                                    -----------------  -----------------  ----------------  ----------------  
   End of year..................... $      20,842,468  $      19,107,227  $     30,201,063  $     28,441,628  
                                    =================  =================  ================  ================  



                                          PIONEER VCT MID CAP VALUE         PIONEER VCT REAL ESTATE SHARES    
                                                 SUB-ACCOUNT                          SUB-ACCOUNT             
                                    ------------------------------------  ------------------------------------
                                           2013               2012               2013               2012      
                                    -----------------  -----------------  -----------------  -----------------
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $       (422,216)  $       (308,091)  $           1,359  $           1,265
   Net realized gains (losses).....           856,609           (22,002)             18,057             26,262
   Change in unrealized gains                                                                                 
     (losses) on investments.......        16,961,029          4,990,668           (19,131)              8,731
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............        17,395,422          4,660,575                285             36,258
                                    -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........         5,065,892          7,895,929                895              1,012
   Net transfers (including fixed                                                                             
     account)......................       (2,540,776)            302,978             17,963              3,518
   Contract charges................         (481,800)          (363,551)            (2,841)            (2,765)
   Transfers for contract benefits                                                                            
     and terminations..............       (3,983,623)        (5,196,081)            (1,163)           (52,356)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......       (1,940,307)          2,639,275             14,854           (50,591)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets..............        15,455,115          7,299,850             15,139           (14,333)
NET ASSETS:                                                                                                   
   Beginning of year...............        56,444,927         49,145,077            237,514            251,847
                                    -----------------  -----------------  -----------------  -----------------
   End of year..................... $      71,900,042  $      56,444,927  $         252,653  $         237,514
                                    =================  =================  =================  =================



                                        T. ROWE PRICE GROWTH STOCK         T. ROWE PRICE INTERNATIONAL STOCK  
                                                SUB-ACCOUNT                           SUB-ACCOUNT             
                                    ------------------------------------  ----------------------------------  
                                          2013               2012               2013              2012        
                                    -----------------  -----------------  ----------------  ----------------  
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $        (60,820)  $        (47,423)  $            503  $          2,166  
   Net realized gains (losses).....           357,589            237,825            10,324           (5,645)  
   Change in unrealized gains                                                                                 
     (losses) on investments.......         2,047,793            849,311            71,247           113,047  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............         2,344,562          1,039,713            82,074           109,568  
                                    -----------------  -----------------  ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........           219,130            218,037            21,103            27,542  
   Net transfers (including fixed                                                                             
     account)......................         (113,852)          (456,841)           (7,638)         (158,822)  
   Contract charges................           (1,536)            (1,517)             (151)             (158)  
   Transfers for contract benefits                                                                            
     and terminations..............         (513,697)          (410,744)          (79,868)          (43,778)  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......         (409,955)          (651,065)          (66,554)         (175,216)  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                  
        in net assets..............         1,934,607            388,648            15,520          (65,648)  
NET ASSETS:                                                                                                   
   Beginning of year...............         6,404,585          6,015,937           639,881           705,529  
                                    -----------------  -----------------  ----------------  ----------------  
   End of year..................... $       8,339,192  $       6,404,585  $        655,401  $        639,881  
                                    =================  =================  ================  ================  



                                        T. ROWE PRICE PRIME RESERVE                                           
                                                SUB-ACCOUNT                                                   
                                    ----------------------------------                                        
                                          2013              2012                                              
                                    ----------------  ----------------                                        
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $        (6,339)  $        (7,879)                                        
   Net realized gains (losses).....               --                --                                        
   Change in unrealized gains                                                                                 
     (losses) on investments.......               --                --                                        
                                    ----------------  ----------------                                        
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............          (6,339)           (7,879)                                        
                                    ----------------  ----------------                                        
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........              208               301                                        
   Net transfers (including fixed                                                                             
     account)......................         (93,657)         (199,272)                                        
   Contract charges................            (155)             (187)                                        
   Transfers for contract benefits                                                                            
     and terminations..............         (64,754)          (43,573)                                        
                                    ----------------  ----------------                                        
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......        (158,358)         (242,731)                                        
                                    ----------------  ----------------                                        
     Net increase (decrease)                                                                                  
        in net assets..............        (164,697)         (250,610)                                        
NET ASSETS:                                                                                                   
   Beginning of year...............          723,146           973,756                                        
                                    ----------------  ----------------                                        
   End of year..................... $        558,449  $        723,146                                        
                                    ================  ================                                        

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONCLUDED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                                       UIF U.S. REAL ESTATE        
                                                                                                            SUB-ACCOUNT            
                                                                                               ------------------------------------
                                                                                                      2013               2012      
                                                                                               -----------------  -----------------
                                                                                                                                   
INCREASE (DECREASE) IN NET ASSETS:                                                                                                 
FROM OPERATIONS:                                                                                                                   
   Net investment income (loss)............................................................... $       (322,967)  $       (505,482)
   Net realized gains (losses)................................................................          (34,211)          (531,267)
   Change in unrealized gains                                                                                                      
     (losses) on investments..................................................................           392,749         11,927,777
                                                                                               -----------------  -----------------
     Net increase (decrease)                                                                                                       
        in net assets resulting                                                                                                    
        from operations.......................................................................            35,571         10,891,028
                                                                                               -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                                             
   Purchase payments received                                                                                                      
     from contract owners.....................................................................        11,431,975         13,220,555
   Net transfers (including fixed                                                                                                  
     account).................................................................................         5,853,586            684,788
   Contract charges...........................................................................         (713,884)          (537,546)
   Transfers for contract benefits                                                                                                 
     and terminations.........................................................................       (6,390,221)       (10,065,780)
                                                                                               -----------------  -----------------
     Net increase (decrease) in                                                                                                    
        net assets resulting from                                                                                                  
        contract transactions.................................................................        10,181,456          3,302,017
                                                                                               -----------------  -----------------
     Net increase (decrease)                                                                                                       
        in net assets.........................................................................        10,217,027         14,193,045
NET ASSETS:                                                                                                                        
   Beginning of year..........................................................................        90,757,950         76,564,905
                                                                                               -----------------  -----------------
   End of year................................................................................ $     100,974,977  $      90,757,950
                                                                                               =================  =================

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                
OF METLIFE INVESTORS USA INSURANCE COMPANY                
NOTES TO THE FINANCIAL STATEMENTS               

1.  ORGANIZATION                                                                

MetLife Investors USA Separate Account A (the "Separate Account"), a separate   
account of MetLife Investors USA Insurance Company (the "Company"), was         
established by the Company's Board of Directors on May 29, 1980 to support      
operations of the Company with respect to certain variable annuity contracts    
(the "Contracts"). The Company is an indirect 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 Delaware Department of         
Insurance.                                                                      

In the second quarter of 2013, MetLife, Inc. announced its plans to merge into  
MetLife Insurance Company of Connecticut ("MICC"), as the surviving entity, two 
United States ("U.S.")-based life insurance companies and an offshore           
reinsurance subsidiary to create one larger U.S.-based and U.S.-regulated life  
insurance company, which is expected to be renamed and domiciled in Delaware    
(the "Mergers"). The companies to be merged into MICC consist of the Company    
and MetLife Investors Insurance Company, each a U.S. insurance company that     
issues variable annuity products in addition to other products, and Exeter      
Reassurance Company, Ltd. ("Exeter"), a reinsurance company that mainly         
reinsures guarantees associated with variable annuity products. Exeter,         
formerly a Cayman Islands company, was re-domesticated to Delaware in October   
2013. The Mergers are expected to occur in the fourth quarter of 2014, subject  
to regulatory approvals.                                                        

The Separate Account is divided into Sub-Accounts, each of which is treated as  
an individual accounting entity for financial reporting purposes. Each          
Sub-Account invests in shares of the corresponding portfolio, series, or fund   
(with the same name) of registered investment management companies (the         
"Trusts"), which are presented below:                                           

                                                        [Enlarge/Download Table]
                                                                                                         
AIM Variable Insurance Funds (Invesco Variable         Met Investors Series Trust ("MIST")*              
   Insurance Funds) ("Invesco V.I.")                   Metropolitan Series Fund ("MSF")*                 
American Funds Insurance Series ("American Funds")     MFS Variable Insurance Trust ("MFS VIT")          
DWS Variable Series I ("DWS I")                        Neuberger Berman Equity Funds ("Neuberger Berman")
Federated Insurance Series ("Federated")               Oppenheimer Variable Account Funds                
Fidelity Variable Insurance Products ("Fidelity VIP")    ("Oppenheimer VA")                              
Franklin Templeton Variable Insurance Products Trust   Pioneer Variable Contracts Trust ("Pioneer VCT")  
   ("FTVIPT")                                          T. Rowe Price Growth Stock Fund, Inc.             
Janus Aspen Series ("Janus Aspen")                     T. Rowe Price International Funds, Inc.           
Legg Mason Partners Variable Equity Trust              T. Rowe Price Prime Reserve Fund, Inc.            
   ("LMPVET")                                          The Alger Portfolios ("Alger")                    
Legg Mason Partners Variable Income Trust              The Universal Institutional Funds, Inc. ("UIF")   
   ("LMPVIT")                                                                                            

* See Note 5 for a discussion of additional information on related party        
transactions.                                                                   

The assets of each of the Sub-Accounts 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 is not chargeable with liabilities 
arising out of any other business the Company may conduct.                      

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

2. LIST OF SUB-ACCOUNTS                                                         

Purchase payments, less any applicable charges, applied to the Separate Account 
are invested in one or more Sub-Accounts in accordance with the selection made  
by the contract owner. The following Sub-Accounts had net assets as of December 
31, 2013:                                                                       

                                                        [Enlarge/Download Table]
                                                                                                      
Alger Small Cap Growth Sub-Account                   LMPVET ClearBridge Variable Large Cap Value      
American Funds Bond Sub-Account                         Sub-Account                                   
American Funds Global Growth Sub-Account             LMPVET ClearBridge Variable Small Cap Growth     
American Funds Global Small Capitalization              Sub-Account                                   
   Sub-Account                                       LMPVET Investment Counsel Variable Social        
American Funds Growth Sub-Account                       Awareness Sub-Account                         
American Funds Growth-Income Sub-Account             LMPVET Variable Lifestyle Allocation 50%         
DWS I International Sub-Account                         Sub-Account                                   
Federated High Income Bond Sub-Account               LMPVET Variable Lifestyle Allocation 70%         
Federated Kaufman Sub-Account                           Sub-Account                                   
Fidelity VIP Asset Manager Sub-Account               LMPVET Variable Lifestyle Allocation 85%         
Fidelity VIP Contrafund Sub-Account (a)                 Sub-Account                                   
Fidelity VIP Equity-Income Sub-Account               LMPVIT Western Asset Variable Global High Yield  
Fidelity VIP FundsManager 50% Sub-Account               Bond Sub-Account                              
Fidelity VIP FundsManager 60% Sub-Account            MFS VIT Investors Trust Sub-Account              
Fidelity VIP Growth Sub-Account                      MFS VIT New Discovery Sub-Account                
Fidelity VIP Index 500 Sub-Account                   MFS VIT Research Sub-Account                     
Fidelity VIP Mid Cap Sub-Account                     MIST AllianceBernstein Global Dynamic Allocation 
Fidelity VIP Money Market Sub-Account (a)               Sub-Account                                   
Fidelity VIP Overseas Sub-Account                    MIST American Funds Balanced Allocation          
FTVIPT Franklin Income Securities Sub-Account           Sub-Account                                   
FTVIPT Franklin Small Cap Value Securities           MIST American Funds Growth Allocation            
   Sub-Account                                          Sub-Account                                   
FTVIPT Mutual Shares Securities Sub-Account          MIST American Funds Growth Sub-Account           
FTVIPT Templeton Foreign Securities Sub-Account      MIST American Funds Moderate Allocation          
FTVIPT Templeton Global Bond Securities Sub-Account     Sub-Account                                   
Invesco V.I. American Franchise Sub-Account          MIST AQR Global Risk Balanced Sub-Account        
Invesco V.I. American Value Sub-Account              MIST BlackRock Global Tactical Strategies        
Invesco V.I. Core Equity Sub-Account                    Sub-Account                                   
Invesco V.I. Equity and Income Sub-Account (a)       MIST BlackRock High Yield Sub-Account (a)        
Invesco V.I. Global Real Estate Sub-Account          MIST BlackRock Large Cap Core Sub-Account (a)    
Invesco V.I. Growth and Income Sub-Account (a)       MIST Clarion Global Real Estate Sub-Account      
Invesco V.I. International Growth Sub-Account (a)    MIST ClearBridge Aggressive Growth Sub-Account   
Janus Aspen Global Research Sub-Account              MIST ClearBridge Aggressive Growth II            
LMPVET ClearBridge Variable Aggressive Growth           Sub-Account (a)                               
   Sub-Account (a)                                   MIST Goldman Sachs Mid Cap Value Sub-Account     
LMPVET ClearBridge Variable All Cap Value            MIST Harris Oakmark International Sub-Account (a)
   Sub-Account                                       MIST Invesco Balanced-Risk Allocation Sub-Account
LMPVET ClearBridge Variable Appreciation             MIST Invesco Comstock Sub-Account                
   Sub-Account                                       MIST Invesco Mid Cap Value Sub-Account           
LMPVET ClearBridge Variable Equity Income            MIST Invesco Small Cap Growth Sub-Account (a)    
   Sub-Account (a)                                   MIST JPMorgan Core Bond Sub-Account              
LMPVET ClearBridge Variable Large Cap Growth         MIST JPMorgan Global Active Allocation           
   Sub-Account                                          Sub-Account                                   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

2.  LIST OF SUB-ACCOUNTS -- (CONCLUDED)                                         

                                                        [Enlarge/Download Table]
                                                                                                           
MIST JPMorgan Small Cap Value Sub-Account (a)            MSF Met/Artisan Mid Cap Value Sub-Account (a)     
MIST Loomis Sayles Global Markets Sub-Account            MSF Met/Dimensional International Small Company   
MIST Lord Abbett Bond Debenture Sub-Account (a)            Sub-Account                                     
MIST Met/Eaton Vance Floating Rate Sub-Account           MSF MetLife Conservative Allocation Sub-Account   
MIST Met/Franklin Low Duration Total Return              MSF MetLife Conservative to Moderate Allocation   
   Sub-Account                                             Sub-Account                                     
MIST Met/Templeton International Bond Sub-Account        MSF MetLife Mid Cap Stock Index Sub-Account (a)   
MIST MetLife Aggressive Strategy Sub-Account             MSF MetLife Moderate Allocation Sub-Account       
MIST MetLife Balanced Plus Sub-Account                   MSF MetLife Moderate to Aggressive Allocation     
MIST MetLife Balanced Strategy Sub-Account                 Sub-Account                                     
MIST MetLife Defensive Strategy Sub-Account              MSF MetLife Stock Index Sub-Account (a)           
MIST MetLife Growth Strategy Sub-Account                 MSF MFS Total Return Sub-Account (a)              
MIST MetLife Moderate Strategy Sub-Account               MSF MFS Value Sub-Account (a)                     
MIST MetLife Multi-Index Targeted Risk                   MSF MSCI EAFE Index Sub-Account (a)               
   Sub-Account                                           MSF Neuberger Berman Genesis Sub-Account (a)      
MIST MFS Emerging Markets Equity Sub-Account             MSF Russell 2000 Index Sub-Account (a)            
MIST MFS Research International Sub-Account (a)          MSF T. Rowe Price Large Cap Growth Sub-Account (a)
MIST Morgan Stanley Mid Cap Growth Sub-Account (a)       MSF T. Rowe Price Small Cap Growth Sub-Account (a)
MIST Oppenheimer Global Equity Sub-Account               MSF Van Eck Global Natural Resources Sub-Account  
MIST PIMCO Inflation Protected Bond Sub-Account          MSF Western Asset Management U.S. Government      
MIST PIMCO Total Return Sub-Account (a)                    Sub-Account (a)                                 
MIST Pioneer Fund Sub-Account (a)                        Neuberger Berman Genesis Sub-Account              
MIST Pioneer Strategic Income Sub-Account (a)            Oppenheimer VA Core Bond Sub-Account              
MIST Pyramis Government Income Sub-Account               Oppenheimer VA Global Strategic Income            
MIST Pyramis Managed Risk Portfolio Sub-Account (b)        Sub-Account                                     
MIST Schroders Global Multi-Asset Sub-Account            Oppenheimer VA Main Street Sub-Account            
MIST SSgA Growth and Income ETF Sub-Account              Oppenheimer VA Main Street Small Cap              
MIST SSgA Growth ETF Sub-Account                           Sub-Account (a)                                 
MIST T. Rowe Price Large Cap Value Sub-Account (a)       Oppenheimer VA Money Sub-Account                  
MIST T. Rowe Price Mid Cap Growth Sub-Account            Pioneer VCT Disciplined Value Sub-Account         
MIST Third Avenue Small Cap Value Sub-Account (a)        Pioneer VCT Emerging Markets Sub-Account          
MSF Baillie Gifford International Stock Sub-Account (a)  Pioneer VCT Equity Income Sub-Account             
MSF Barclays Aggregate Bond Index Sub-Account (a)        Pioneer VCT Ibbotson Growth Allocation Sub-Account
MSF BlackRock Bond Income Sub-Account (a)                Pioneer VCT Ibbotson Moderate Allocation          
MSF BlackRock Capital Appreciation Sub-Account (a)         Sub-Account                                     
MSF BlackRock Large Cap Value Sub-Account                Pioneer VCT Mid Cap Value Sub-Account             
MSF BlackRock Money Market Sub-Account (a)               Pioneer VCT Real Estate Shares Sub-Account        
MSF Davis Venture Value Sub-Account (a)                  T. Rowe Price Growth Stock Sub-Account            
MSF Frontier Mid Cap Growth Sub-Account (b)              T. Rowe Price International Stock Sub-Account     
MSF Jennison Growth Sub-Account (a)                      T. Rowe Price Prime Reserve Sub-Account           
MSF Loomis Sayles Small Cap Core Sub-Account             UIF U.S. Real Estate Sub-Account                  
MSF Loomis Sayles Small Cap Growth Sub-Account                                                             

(a) This Sub-Account invests in two or more share classes within the underlying 
portfolio, series, or fund of the Trusts.                               
(b) This Sub-Account began operations during the year ended December 31,        
2013.                                                                   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

3. PORTFOLIO CHANGES                                                            

The following Sub-Accounts ceased operations during the year ended December 31, 
2013:                                                                           

                                                        [Enlarge/Download Table]
                                                                                        
MIST American Funds International Sub-Account  MIST MLA Mid Cap Sub-Account             
MIST Jennison Large Cap Equity Sub-Account     MIST RCM Technology Sub-Account          
MIST Met/Franklin Mutual Shares Sub-Account    MIST Turner Mid Cap Growth Sub-Account   
MIST Met/Franklin Templeton Founding Strategy  MSF FI Value Leaders Sub-Account         
   Sub-Account                                 (MSF) Oppenheimer Global Equity Portfolio

The operations of the Sub-Accounts were affected by the following changes that  
occurred during the year ended December 31, 2013:                               

NAME CHANGES:                                                                   

                                                        [Enlarge/Download Table]
                                                                                                      
Former Name                                          New Name                                         

Invesco Van Kampen V.I. American Franchise Fund      Invesco V.I. American Franchise Fund             
Invesco Van Kampen V.I. American Value Fund          Invesco V.I. American Value Fund                 
Invesco Van Kampen V.I. Equity and Income Fund       Invesco V.I. Equity and Income Fund              
Invesco Van Kampen V.I. Growth and Income Fund       Invesco V.I. Growth and Income Fund              
Janus Aspen Series Worldwide Portfolio               Janus Aspen Series Global Research Portfolio     
Legg Mason ClearBridge Variable Aggressive Growth    ClearBridge Variable Aggressive Growth Portfolio 
   Portfolio                                                                                          
Legg Mason ClearBridge Variable Appreciation         ClearBridge Variable Appreciation Portfolio      
   Portfolio                                                                                          
Legg Mason ClearBridge Variable Equity Income        ClearBridge Variable Equity Income Portfolio     
   Builder Portfolio                                                                                  
Legg Mason ClearBridge Variable Fundamental All      ClearBridge Variable All Cap Value Portfolio     
   Cap Value Portfolio                                                                                
Legg Mason ClearBridge Variable Large Cap Growth     ClearBridge Variable Large Cap Growth Portfolio  
   Portfolio                                                                                          
Legg Mason ClearBridge Variable Large Cap Value      ClearBridge Variable Large Cap Value Portfolio   
   Portfolio                                                                                          
Legg Mason ClearBridge Variable Small Cap Growth     ClearBridge Variable Small Cap Growth Portfolio  
   Portfolio                                                                                          
Legg Mason Western Asset Variable Global High Yield  Western Asset Variable Global High Yield Bond    
   Bond Portfolio                                      Portfolio                                      
(MIST) American Funds Bond Portfolio                 (MIST) JPMorgan Core Bond Portfolio              
(MIST) Dreman Small Cap Value Portfolio              (MIST) JPMorgan Small Cap Value Portfolio        
(MIST) Janus Forty Portfolio                         (MIST) ClearBridge Aggressive Growth Portfolio II
(MIST) Legg Mason ClearBridge Aggressive Growth      (MIST) ClearBridge Aggressive Growth Portfolio   
   Portfolio                                                                                          
(MIST) Lord Abbett Mid Cap Value Portfolio           (MIST) Invesco Mid Cap Value Portfolio           
(MIST) Met/Templeton Growth Portfolio (a)            (MIST) Oppenheimer Global Equity Portfolio (a)   
(MIST) Van Kampen Comstock Portfolio                 (MIST) Invesco Comstock Portfolio                
(MSF) Barclays Capital Aggregate Bond Index          (MSF) Barclays Aggregate Bond Index Portfolio    
   Portfolio                                                                                          
(MSF) BlackRock Legacy Large Cap Growth Portfolio    (MSF) BlackRock Capital Appreciation Portfolio   
Oppenheimer Main Street Small- & Mid-Cap Fund/VA     Oppenheimer Main Street Small Cap Fund/VA        
Pioneer Fundamental Value VCT Portfolio              Pioneer Disciplined Value VCT Portfolio          

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

3.  PORTFOLIO CHANGES -- (CONCLUDED)                                            

MERGERS:                                                                        

                                                        [Enlarge/Download Table]
                                                                                                    
Former Portfolio                                 New Portfolio                                      

(MIST) American Funds International Portfolio    (MSF) Baillie Gifford International Stock Portfolio
(MIST) Jennison Large Cap Equity Portfolio       (MSF) Jennison Growth Portfolio                    
(MIST) Met/Franklin Mutual Shares Portfolio      (MSF) MFS Value Portfolio                          
(MIST) Met/Franklin Templeton Founding Strategy  (MIST) MetLife Growth Strategy Portfolio           
   Portfolio                                                                                        
(MIST) MLA Mid Cap Portfolio                     (MSF) Neuberger Berman Genesis Portfolio           
(MIST) RCM Technology Portfolio                  (MSF) T. Rowe Price Large Cap Growth Portfolio     
(MIST) Turner Mid Cap Growth Portfolio           (MSF) Frontier Mid Cap Growth Portfolio            
(MSF) FI Value Leaders Portfolio                 (MSF) MFS Value Portfolio                          
(MSF) Oppenheimer Global Equity Portfolio (a)    (MIST) Met/Templeton Growth Portfolio (a)          

a) At the close of business on April 26, 2013, the (MSF) Oppenheimer Global     
Equity Portfolio merged with and into the (MIST) Met/Templeton Growth     
Portfolio. Concurrently, Oppenheimer Funds, Inc. became the subadviser of 
the (MIST) Met/Templeton Growth Portfolio, the portfolio's investment     
objective and principal investment strategies changed, and the portfolio's
 name was changed to (MIST) Oppenheimer Global Equity Portfolio. Pursuant to
these changes, (MSF) Oppenheimer Global Equity Portfolio was deemed to be 
the accounting and performance survivor of the merger for financial       
reporting purposes, and therefore, the results of MIST Oppenheimer Global 
Equity Sub-Account presented in the financial statements reflect the      
  historical results of MSF Oppenheimer Global Equity Sub-Account prior to the
merger, and the combined results thereafter.                              

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.                                                                         

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 Sub-Account's investment in shares of a portfolio, series, or fund 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 Sub-Accounts.     

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

4.  SIGNIFICANT ACCOUNTING POLICIES -- (CONTINUED)                              

SECURITY VALUATION -- (CONCLUDED)                                               
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. The Separate   
Account prioritizes the inputs to fair valuation techniques and allows for the  
use of unobservable inputs to the extent that observable inputs are not         
available. The Separate Account has categorized its assets based on the         
priority of the inputs to the respective valuation technique. The fair value    
hierarchy gives the highest priority to quoted prices in active markets for     
identical assets (Level 1) and the lowest priority to unobservable inputs       
(Level 3). An asset's classification within the fair value hierarchy is based   
on the lowest level of significant input to its valuation. The input levels are 
as follows:                                                                     

Level 1     Unadjusted quoted prices in active markets for identical assets     
that the Separate Account has the ability to access.    
Level 2     Observable inputs other than quoted prices in Level 1 that are      
          observable either directly or indirectly. These inputs may include
           quoted prices for the identical instrument on an inactive market or
prices for similar instruments.                         
Level 3     Unobservable inputs that are supported by little or no market       
     activity and are significant to the fair value of the assets,
     representing the Separate Account's own assumptions about the
        assumptions a market participant would use in valuing the asset,
and based on the best information available.            

Each Sub-Account 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. On that basis, the inputs used to     
value all shares held by the Separate Account, which are measured at fair value 
on a recurring basis, are classified as Level 2. There were no transfers        
between Level 1 and Level 2, and no activity in Level 3 during the year.        

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 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       
Sub-Accounts.                                                                   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

4.  SIGNIFICANT ACCOUNTING POLICIES -- (CONCLUDED)                              

NET TRANSFERS                                                                   
Funds transferred by the contract owner into or out of Sub-Accounts within the  
Separate Account or into or out of the fixed account, which is part 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 Sub-Accounts.             

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 AND RELATED PARTY TRANSACTIONS                                     

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 Sub-Accounts:                                                        

   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 investor 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.                                                      

Distribution Expense -- The risk that surrender charges will be     
 insufficient to cover the actual costs of distribution which includes
commissions, fees, registration costs, direct and indirect selling  
expenses.                                                           

    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.

  Earnings Preservation Benefit -- For an additional charge, the Company
will provide this additional death benefit.                         

   The table below represents the range of effective annual rates for each
respective charge for the year ended December 31, 2013:             

                                                        [Enlarge/Download Table]
                                                                                                                            
----------------------------------------------------------------------------------------------------------------------------
 Mortality and Expense Risk                                                                                 0.70% - 2.05%   
----------------------------------------------------------------------------------------------------------------------------
 Administrative                                                                                             0.10% - 0.25%   
----------------------------------------------------------------------------------------------------------------------------
 Optional Death Benefit Rider                                                                               0.15% - 0.35%   
----------------------------------------------------------------------------------------------------------------------------
 Distribution Expense                                                                                       0.10%           
----------------------------------------------------------------------------------------------------------------------------
 Guaranteed Minimum Accumulation Benefit                                                                    1.50%           
----------------------------------------------------------------------------------------------------------------------------
 Earnings Preservation Benefit                                                                              0.25%           
----------------------------------------------------------------------------------------------------------------------------

    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 effective rates disclosed above excludes any waivers granted to
certain Sub-Accounts.                                               

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

5.  EXPENSES AND RELATED PARTY TRANSACTIONS -- (CONCLUDED)                      

The following optional rider charges paid to the Company are charged at each    
contract anniversary date through the redemption of units and are recorded as   
contract charges in the accompanying statements of changes in net assets of the 
applicable Sub-Accounts:                                                        

    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 minimum withdrawals for life regardless of market    
conditions.                                                         

  Guaranteed Withdrawal Benefit -- For an additional charge, the Company
will guarantee minimum withdrawals regardless of market conditions. 

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 Company will
  guarantee a death benefit equal to the greater of the account value or
the higher of two death benefit bases.                              

   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, 2013:             

                                                        [Enlarge/Download Table]
                                                                                                                         
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Minimum Accumulation Benefit                                                                 0.75%           
-------------------------------------------------------------------------------------------------------------------------
 Lifetime Withdrawal Guarantee                                                                           0.50% - 1.80%   
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Withdrawal Benefit                                                                           0.25% - 1.80%   
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Minimum Income Benefit                                                                       0.50% - 1.50%   
-------------------------------------------------------------------------------------------------------------------------
 Enhanced Death Benefit                                                                                  0.60% - 1.50%   
-------------------------------------------------------------------------------------------------------------------------
 Enhanced Guaranteed Withdrawal Benefit                                                                  0.55% - 1.00%   
-------------------------------------------------------------------------------------------------------------------------

    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 maintenance fee ranging from $30 to $40 is assessed on an annual     
basis for Contracts with a value of less than $50,000. A transfer fee ranging   
from $0 to $25 may be deducted after twelve transfers are made in a contract    
year or, for certain contracts, 2% of the amount transferred from the contract  
value, if less. For certain contracts, an administrative charge is also         
assessed which ranges from $12 to $29.50 for each Sub-Account in which the      
contract owner invests (waived if purchase payments equal or exceed $2,000 in   
the year, or if the account value is $10,000 or more at year end). For other    
Contracts the administrative charge is $21.50 plus $2.50 for each Sub-Account   
selected, subject to the same waiver terms. In addition, the Contracts impose a 
surrender charge which ranges from 0% to 9% if the contract is partially or     
fully surrendered within the specified surrender charge period. For certain     
contracts, a transaction charge of the lesser of $10 or 2% of the surrender is  
imposed on surrenders and a $10 charge is assessed for annuitizations. For      
those contract owners who choose optional living benefit riders or certain      
optional death benefit riders, these charges range from 0.25% to 1.80% of the   
benefit base and are charged at each contract anniversary date. These charges   
are paid to the Company and recorded as contract charges in the accompanying    
statements of changes in net assets of the applicable Sub-Accounts.             

MetLife Advisers, LLC, which acts in the capacity of investment adviser to the  
portfolios of the MIST and MSF Trusts, is an affiliate of the Company.          

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

6.  STATEMENTS OF INVESTMENTS                                                   

                                                        [Enlarge/Download Table]

                                                                                                    FOR THE YEAR ENDED      
                                                                AS OF DECEMBER 31, 2013              DECEMBER 31, 2013      
                                                            -------------------------------  -------------------------------
                                                                                                 COST OF         PROCEEDS   
                                                               SHARES           COST ($)      PURCHASES ($)   FROM SALES ($)
                                                            -------------    --------------  --------------   --------------
                                                                                                                            
Alger Small Cap Growth Sub-Account.........................     1,953,805        57,250,154       8,367,037        6,625,484
American Funds Bond Sub-Account............................    13,775,531       147,139,916      21,831,559        7,389,905
American Funds Global Growth Sub-Account...................    10,522,269       223,509,854      12,990,684       18,551,511
American Funds Global Small Capitalization Sub-Account.....     4,918,180        95,041,858      10,469,150       11,712,314
American Funds Growth Sub-Account..........................    10,989,996       574,188,815      23,270,824       62,728,487
American Funds Growth-Income Sub-Account...................     7,704,764       274,807,285      11,909,004       33,145,087
DWS I International Sub-Account............................     2,052,186        20,756,206       1,433,339        2,082,585
Federated High Income Bond Sub-Account.....................         3,660            25,725           1,732              468
Federated Kaufman Sub-Account..............................         2,337            31,003           3,265            1,661
Fidelity VIP Asset Manager Sub-Account.....................     5,120,330        78,221,722       1,832,124       10,277,909
Fidelity VIP Contrafund Sub-Account........................    17,856,406       423,701,254      46,928,007       47,735,664
Fidelity VIP Equity-Income Sub-Account.....................       255,672         5,773,353         567,078        1,049,969
Fidelity VIP FundsManager 50% Sub-Account..................   169,341,698     1,893,521,701   1,448,712,994               --
Fidelity VIP FundsManager 60% Sub-Account..................   341,365,269     3,336,110,670     184,779,786      215,424,352
Fidelity VIP Growth Sub-Account............................     2,904,593       109,545,186       1,267,314       18,047,059
Fidelity VIP Index 500 Sub-Account.........................       374,026        48,066,934       1,890,733        9,575,024
Fidelity VIP Mid Cap Sub-Account...........................    12,544,437       367,482,168      75,428,895       19,321,498
Fidelity VIP Money Market Sub-Account......................    76,155,366        76,155,366     264,136,300      261,640,341
Fidelity VIP Overseas Sub-Account..........................       287,089         5,219,470         201,987          889,204
FTVIPT Franklin Income Securities Sub-Account..............    18,532,766       277,580,598      34,739,012        8,570,345
FTVIPT Franklin Small Cap Value Securities Sub-Account.....     5,319,858        83,521,426      16,513,930        5,117,658
FTVIPT Mutual Shares Securities Sub-Account................     7,215,840       124,287,971       5,389,350       11,759,291
FTVIPT Templeton Foreign Securities Sub-Account............     5,088,246        75,734,816       4,034,851       12,411,337
FTVIPT Templeton Global Bond Securities Sub-Account........    13,692,658       253,733,342      53,566,361        5,257,847
Invesco V.I. American Franchise Sub-Account................         3,234           111,443             621           35,535
Invesco V.I. American Value Sub-Account....................     4,830,003        62,389,211       9,919,898        4,658,110
Invesco V.I. Core Equity Sub-Account.......................         6,498           164,702           3,201           51,990
Invesco V.I. Equity and Income Sub-Account.................    35,060,599       485,126,865      47,241,462       12,705,837
Invesco V.I. Global Real Estate Sub-Account................     2,012,977        28,050,116       9,597,854        2,317,229
Invesco V.I. Growth and Income Sub-Account.................    13,952,369       250,218,096      23,999,020       11,230,394
Invesco V.I. International Growth Sub-Account..............     8,084,783       216,816,575      27,736,513        6,844,164
Janus Aspen Global Research Sub-Account....................           173             4,105              73              426
LMPVET ClearBridge Variable Aggressive Growth                                                                               
  Sub-Account..............................................    10,526,694       173,680,862      31,834,893       14,731,303
LMPVET ClearBridge Variable All Cap Value Sub-Account......     5,180,506       108,091,465      13,093,421       10,449,229
LMPVET ClearBridge Variable Appreciation Sub-Account.......    12,072,871       297,272,179      46,243,652        5,053,515
LMPVET ClearBridge Variable Equity Income Sub-Account......    13,279,712       148,789,202      29,700,748        7,561,386
LMPVET ClearBridge Variable Large Cap Growth                                                                                
  Sub-Account..............................................       226,398         3,757,586         797,143        1,061,468
LMPVET ClearBridge Variable Large Cap Value Sub-Account....       359,950         5,522,541       1,851,418          917,410
LMPVET ClearBridge Variable Small Cap Growth                                                                                
  Sub-Account..............................................     4,673,830        76,531,477      26,245,513        5,068,007
LMPVET Investment Counsel Variable Social Awareness                                                                         
  Sub-Account..............................................         9,442           232,386          10,822           55,604
LMPVET Variable Lifestyle Allocation 50% Sub-Account.......     3,101,366        37,754,389       9,234,898        2,451,069
LMPVET Variable Lifestyle Allocation 70% Sub-Account.......       164,059         1,810,549         239,158          979,283
LMPVET Variable Lifestyle Allocation 85% Sub-Account.......     5,758,589        66,979,732       3,730,962        7,599,475
LMPVIT Western Asset Variable Global High Yield Bond                                                                        
  Sub-Account..............................................    12,899,080       106,265,588      18,950,436        5,775,873
MFS VIT Investors Trust Sub-Account........................           867            15,837             254              957
MFS VIT New Discovery Sub-Account..........................         2,085            31,394             326           10,422
MFS VIT Research Sub-Account...............................         2,221            36,602             952            2,823
MIST AllianceBernstein Global Dynamic Allocation                                                                            
  Sub-Account..............................................   288,647,584     2,874,906,144     339,151,646       70,031,864
MIST American Funds Balanced Allocation Sub-Account........   300,384,157     2,654,037,106     288,642,114      273,202,760

(a)  For the period April 29, 2013 to December 31, 2013.                        

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

6.  STATEMENTS OF INVESTMENTS -- (CONTINUED)                                    

                                                        [Enlarge/Download Table]

                                                                                                  FOR THE YEAR ENDED      
                                                                AS OF DECEMBER 31, 2013            DECEMBER 31, 2013      
                                                            ------------------------------  ------------------------------
                                                                                               COST OF         PROCEEDS   
                                                               SHARES           COST ($)    PURCHASES ($)   FROM SALES ($)
                                                            -------------    -------------  -------------   --------------
                                                                                                                          
MIST American Funds Growth Allocation Sub-Account..........   156,668,590    1,261,388,927    187,273,795      118,934,248
MIST American Funds Growth Sub-Account.....................    50,753,348      408,915,751     57,650,347       93,433,662
MIST American Funds Moderate Allocation Sub-Account........   162,126,988    1,481,324,840    132,089,031      168,608,325
MIST AQR Global Risk Balanced Sub-Account..................   309,084,305    3,317,257,824    431,509,043      576,853,585
MIST BlackRock Global Tactical Strategies Sub-Account......   493,925,687    4,834,010,333    498,847,226      226,893,346
MIST BlackRock High Yield Sub-Account......................    30,167,540      248,786,488     75,760,990       84,974,024
MIST BlackRock Large Cap Core Sub-Account..................     1,321,838       12,022,012      2,361,192        4,326,602
MIST Clarion Global Real Estate Sub-Account................    16,471,958      186,042,092     33,695,540       21,791,337
MIST ClearBridge Aggressive Growth II Sub-Account..........     1,236,585       87,905,039     25,671,132       39,209,879
MIST ClearBridge Aggressive Growth Sub-Account.............    34,402,945      285,713,931     64,106,785       39,794,082
MIST Goldman Sachs Mid Cap Value Sub-Account...............     9,595,851      125,486,222     24,251,997       31,403,632
MIST Harris Oakmark International Sub-Account..............    36,800,509      503,074,943     71,257,624       62,098,633
MIST Invesco Balanced-Risk Allocation Sub-Account..........    79,693,833      828,213,545    299,761,843      123,809,111
MIST Invesco Comstock Sub-Account..........................    30,548,350      269,995,421     33,140,328       30,436,307
MIST Invesco Mid Cap Value Sub-Account.....................     7,049,086      100,237,071      7,632,318       26,084,710
MIST Invesco Small Cap Growth Sub-Account..................    15,999,668      212,350,271     40,481,426       37,989,461
MIST JPMorgan Core Bond Sub-Account........................    30,726,105      322,736,031    368,984,257      390,876,104
MIST JPMorgan Global Active Allocation Sub-Account.........    64,494,802      685,972,211    411,902,306        1,046,679
MIST JPMorgan Small Cap Value Sub-Account..................     1,398,723       18,072,538      1,214,511        4,652,727
MIST Loomis Sayles Global Markets Sub-Account..............    12,202,424      138,603,312     12,633,756       33,927,527
MIST Lord Abbett Bond Debenture Sub-Account................    19,329,797      235,054,182     46,184,123       55,703,031
MIST Met/Eaton Vance Floating Rate Sub-Account.............     7,863,380       81,726,682     38,100,553        9,085,203
MIST Met/Franklin Low Duration Total Return Sub-Account....    13,988,758      139,401,727    103,155,123        6,840,638
MIST Met/Templeton International Bond Sub-Account..........     4,491,942       52,667,789      6,151,132        9,956,495
MIST MetLife Aggressive Strategy Sub-Account...............    49,251,609      505,233,905     31,238,424       66,673,079
MIST MetLife Balanced Plus Sub-Account.....................   545,623,587    5,483,698,749  1,326,655,191       29,363,967
MIST MetLife Balanced Strategy Sub-Account.................   595,887,355    6,184,791,946    179,740,906      582,662,431
MIST MetLife Defensive Strategy Sub-Account................   166,200,441    1,713,481,836    126,802,565      556,770,928
MIST MetLife Growth Strategy Sub-Account...................   481,641,251    5,446,815,057    810,166,419      458,140,055
MIST MetLife Moderate Strategy Sub-Account.................   285,069,002    2,916,035,754    125,354,093      359,014,276
MIST MetLife Multi-Index Targeted Risk Sub-Account.........    18,679,458      202,610,249    191,498,331           48,099
MIST MFS Emerging Markets Equity Sub-Account...............    44,365,465      429,598,932     57,899,097       24,196,300
MIST MFS Research International Sub-Account................    27,847,098      301,254,346     12,515,033       40,936,928
MIST Morgan Stanley Mid Cap Growth Sub-Account.............    15,499,415      162,566,616     20,430,987        9,125,428
MIST Oppenheimer Global Equity Sub-Account.................     3,800,227       65,786,011     61,353,234        5,032,293
MIST PIMCO Inflation Protected Bond Sub-Account............    83,143,341      917,851,914    113,879,964      147,677,711
MIST PIMCO Total Return Sub-Account........................   170,631,086    2,023,321,900    195,309,222      261,044,205
MIST Pioneer Fund Sub-Account..............................    15,949,343      210,761,236     32,571,171       21,029,394
MIST Pioneer Strategic Income Sub-Account..................    82,625,885      876,148,740    186,717,427       40,347,909
MIST Pyramis Government Income Sub-Account.................    69,421,888      747,414,598     57,541,272      248,471,876
MIST Pyramis Managed Risk Sub-Account (a)..................     7,404,844       76,527,808     77,271,884          733,179
MIST Schroders Global Multi-Asset Sub-Account..............    37,615,021      401,061,129    226,828,734       15,434,410
MIST SSgA Growth and Income ETF Sub-Account................   122,339,438    1,318,083,174    105,350,093      161,848,161
MIST SSgA Growth ETF Sub-Account...........................    39,535,139      399,830,404     57,552,201       48,415,555
MIST T. Rowe Price Large Cap Value Sub-Account.............    20,556,073      503,855,462     37,831,867       83,996,502
MIST T. Rowe Price Mid Cap Growth Sub-Account..............    48,128,833      393,410,732     44,118,921       76,252,053
MIST Third Avenue Small Cap Value Sub-Account..............    15,828,125      220,268,628     14,374,066       56,713,788
MSF Baillie Gifford International Stock Sub-Account........    29,234,216      273,113,712    311,182,861       42,899,023
MSF Barclays Aggregate Bond Index Sub-Account..............    15,178,976      166,570,569     38,878,822       18,832,470
MSF BlackRock Bond Income Sub-Account......................       538,412       57,649,078     12,957,166        9,373,622
MSF BlackRock Capital Appreciation Sub-Account.............       403,724       10,024,567      2,229,406        2,708,887
MSF BlackRock Large Cap Value Sub-Account..................       315,551        3,404,072        669,760          572,388
MSF BlackRock Money Market Sub-Account.....................     4,613,432      461,343,188    176,370,619      284,137,550
MSF Davis Venture Value Sub-Account........................    15,402,597      420,921,811     31,456,149      105,816,524
MSF Frontier Mid Cap Growth Sub-Account (a)................     2,404,461       69,147,627     81,218,276       13,293,468

(a)  For the period April 29, 2013 to December 31, 2013.                        

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

6.  STATEMENTS OF INVESTMENTS -- (CONCLUDED)                                    

                                                        [Enlarge/Download Table]

                                                                                                  FOR THE YEAR ENDED      
                                                                AS OF DECEMBER 31, 2013            DECEMBER 31, 2013      
                                                            ------------------------------  ------------------------------
                                                                                                COST OF        PROCEEDS   
                                                               SHARES           COST ($)     PURCHASES ($)  FROM SALES ($)
                                                            -------------    -------------  --------------  --------------
                                                                                                                          
MSF Jennison Growth Sub-Account............................    37,390,273      429,630,599     69,265,860      113,538,069
MSF Loomis Sayles Small Cap Core Sub-Account...............        46,607       10,168,424      3,048,297        4,215,033
MSF Loomis Sayles Small Cap Growth Sub-Account.............        14,168          188,007        211,819           74,553
MSF Met/Artisan Mid Cap Value Sub-Account..................     1,091,073      231,985,737     27,383,064       33,513,723
MSF Met/Dimensional International Small Company                                                                           
  Sub-Account..............................................     3,950,002       55,914,922     10,427,096        8,833,121
MSF MetLife Conservative Allocation Sub-Account............       626,354        6,754,260        919,266        3,127,833
MSF MetLife Conservative to Moderate Allocation                                                                           
  Sub-Account..............................................       599,876        6,335,265        483,309          849,587
MSF MetLife Mid Cap Stock Index Sub-Account................     6,902,966       92,816,482     28,544,426       18,949,282
MSF MetLife Moderate Allocation Sub-Account................     3,261,902       36,107,143      2,229,013        5,177,503
MSF MetLife Moderate to Aggressive Allocation Sub-Account..     3,987,522       44,870,344      1,095,801        6,663,266
MSF MetLife Stock Index Sub-Account........................    13,516,120      389,602,723     60,002,522       68,223,696
MSF MFS Total Return Sub-Account...........................       284,564       39,885,789     10,177,103        5,437,805
MSF MFS Value Sub-Account..................................    14,761,892      212,369,045    193,949,379       28,267,507
MSF MSCI EAFE Index Sub-Account............................     8,270,194       94,840,872     27,821,011       13,494,237
MSF Neuberger Berman Genesis Sub-Account...................     9,637,909      136,490,541    142,024,747       20,468,073
MSF Russell 2000 Index Sub-Account.........................     7,254,916       97,425,995     27,526,307       13,260,092
MSF T. Rowe Price Large Cap Growth Sub-Account.............     6,246,221      121,943,961    135,856,780       16,437,400
MSF T. Rowe Price Small Cap Growth Sub-Account.............       452,030        6,447,448      2,107,576        2,155,378
MSF Van Eck Global Natural Resources Sub-Account...........     7,538,920      111,407,740     11,063,333       27,639,732
MSF Western Asset Management U.S. Government                                                                              
  Sub-Account..............................................    24,419,140      293,673,478     28,293,902       40,921,526
Neuberger Berman Genesis Sub-Account.......................           170            6,315            744               84
Oppenheimer Main Street Small Cap Fund/VA Sub-Account......     4,469,453       66,979,251      4,589,759       12,914,070
Oppenheimer VA Core Bond Sub-Account.......................         1,105           11,403            459              403
Oppenheimer VA Global Strategic Income Sub-Account.........           835            4,111            226               72
Oppenheimer VA Main Street Sub-Account.....................         3,330           68,347          1,023            5,420
Oppenheimer VA Money Sub-Account...........................         4,008            4,008              1          108,958
Pioneer VCT Disciplined Value Sub-Account..................       140,183        1,349,515        138,952          691,311
Pioneer VCT Emerging Markets Sub-Account...................        29,182          698,961        114,121          161,395
Pioneer VCT Equity Income Sub-Account......................        23,453          418,014         15,014           63,283
Pioneer VCT Ibbotson Growth Allocation Sub-Account.........     1,594,684       12,459,847        731,230        2,137,215
Pioneer VCT Ibbotson Moderate Allocation Sub-Account.......     2,404,547       20,332,710        858,176        2,875,809
Pioneer VCT Mid Cap Value Sub-Account......................     3,154,897       54,265,442      2,889,298        5,251,801
Pioneer VCT Real Estate Shares Sub-Account.................        13,450          194,425         45,554           18,061
T. Rowe Price Growth Stock Sub-Account.....................       158,630        4,682,926        561,068        1,031,842
T. Rowe Price International Stock Sub-Account..............        40,209          555,287         25,016           91,068
T. Rowe Price Prime Reserve Sub-Account....................       558,450          558,450        508,210          672,907
UIF U.S. Real Estate Sub-Account...........................     6,415,183      102,746,012     16,458,164        6,599,672

(a)  For the period April 29, 2013 to December 31, 2013.                        

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS                                                          
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012:                         

                                                        [Enlarge/Download Table]


                                        ALGER SMALL CAP GROWTH             AMERICAN FUNDS BOND       
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                    -------------------------------  ------------------------------- 
                                         2013             2012            2013             2012      
                                    --------------  ---------------  ---------------  -------------- 

                                                                                                     
Units beginning of year............      4,795,545        5,212,661        7,687,811       6,703,194 
Units issued and transferred                                                                         
   from other funding options......        231,164          325,189        2,005,667       2,184,489 
Units redeemed and transferred to                                                                    
   other funding options...........      (639,591)        (742,305)      (1,331,533)     (1,199,872) 
                                    --------------  ---------------  ---------------  -------------- 
Units end of year..................      4,387,118        4,795,545        8,361,945       7,687,811 
                                    ==============  ===============  ===============  ============== 


                                                                             AMERICAN FUNDS          
                                     AMERICAN FUNDS GLOBAL GROWTH      GLOBAL SMALL CAPITALIZATION   
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                    -------------------------------  ------------------------------- 
                                         2013             2012             2013            2012      
                                    ---------------  --------------  ---------------  -------------- 

                                                                                                     
Units beginning of year............       8,485,913       8,205,329        3,385,796       3,080,674 
Units issued and transferred                                                                         
   from other funding options......       1,261,036       1,718,893          652,214         863,669 
Units redeemed and transferred to                                                                    
   other funding options...........     (1,413,396)     (1,438,309)        (662,267)       (558,547) 
                                    ---------------  --------------  ---------------  -------------- 
Units end of year..................       8,333,553       8,485,913        3,375,743       3,385,796 
                                    ===============  ==============  ===============  ============== 



                                         AMERICAN FUNDS GROWTH         AMERICAN FUNDS GROWTH-INCOME  
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  -------------------------------
                                          2013            2012             2013            2012      
                                    ---------------  ---------------  --------------  ---------------

                                                                                                     
Units beginning of year............       4,113,319        3,976,212       2,745,842        2,773,925
Units issued and transferred                                                                         
   from other funding options......         453,387          749,508         297,744          440,944
Units redeemed and transferred to                                                                    
   other funding options...........       (629,462)        (612,401)       (461,701)        (469,027)
                                    ---------------  ---------------  --------------  ---------------
Units end of year..................       3,937,244        4,113,319       2,581,885        2,745,842
                                    ===============  ===============  ==============  ===============

                                                        [Enlarge/Download Table]

                                          DWS I INTERNATIONAL           FEDERATED HIGH INCOME BOND    
                                              SUB-ACCOUNT                       SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                         2013             2012              2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............       2,040,232        2,245,605            2,556            3,549
Units issued and transferred                                                                          
   from other funding options......         147,844          214,706               --               --
Units redeemed and transferred to                                                                     
   other funding options...........       (299,464)        (420,079)             (11)            (993)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................       1,888,612        2,040,232            2,545            2,556
                                    ===============  ===============  ===============  ===============


                                            FEDERATED KAUFMAN           FIDELITY VIP ASSET MANAGER    
                                               SUB-ACCOUNT                      SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                         2013             2012             2013             2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............           6,002           12,138        6,517,939        7,353,740
Units issued and transferred                                                                          
   from other funding options......              --               --          203,227          274,275
Units redeemed and transferred to                                                                     
   other funding options...........           (166)          (6,136)        (835,636)      (1,110,076)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................           5,836            6,002        5,885,530        6,517,939
                                    ===============  ===============  ===============  ===============


                                        FIDELITY VIP CONTRAFUND          FIDELITY VIP EQUITY-INCOME   
                                              SUB-ACCOUNT                        SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                          2013             2012             2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............      15,604,750       15,588,853          400,352          460,289
Units issued and transferred                                                                          
   from other funding options......       4,408,947        2,218,180            5,137            3,099
Units redeemed and transferred to                                                                     
   other funding options...........     (2,296,246)      (2,202,283)         (63,929)         (63,036)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................      17,717,451       15,604,750          341,560          400,352
                                    ===============  ===============  ===============  ===============

                                                        [Enlarge/Download Table]

                                     FIDELITY VIP FUNDSMANAGER 50%     FIDELITY VIP FUNDSMANAGER 60%  
                                              SUB-ACCOUNT                       SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                         2013           2012 (a)           2013             2012      
                                    ---------------  ---------------  ---------------  -------------- 

                                                                                                      
Units beginning of year............      39,080,828               --      345,636,001     272,464,191 
Units issued and transferred                                                                          
   from other funding options......     123,377,437       39,341,051          492,775      86,542,932 
Units redeemed and transferred to                                                                     
   other funding options...........     (3,504,235)        (260,223)     (12,977,090)    (13,371,122) 
                                    ---------------  ---------------  ---------------  -------------- 
Units end of year..................     158,954,030       39,080,828      333,151,686     345,636,001 
                                    ===============  ===============  ===============  ============== 


                                          FIDELITY VIP GROWTH             FIDELITY VIP INDEX 500      
                                              SUB-ACCOUNT                       SUB-ACCOUNT           
                                    -------------------------------  -------------------------------- 
                                         2013             2012             2013             2012      
                                    --------------  ---------------  ---------------  --------------- 

                                                                                                      
Units beginning of year............      9,085,626        9,918,387        3,530,426        3,976,112 
Units issued and transferred                                                                          
   from other funding options......        341,709          730,546           21,793           28,294 
Units redeemed and transferred to                                                                     
   other funding options...........    (1,232,955)      (1,563,307)        (460,663)        (473,980) 
                                    --------------  ---------------  ---------------  --------------- 
Units end of year..................      8,194,380        9,085,626        3,091,556        3,530,426 
                                    ==============  ===============  ===============  =============== 


                                          FIDELITY VIP MID CAP           FIDELITY VIP MONEY MARKET    
                                               SUB-ACCOUNT                      SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                          2013             2012             2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............       7,598,912        6,289,465        8,041,430        8,001,050
Units issued and transferred                                                                          
   from other funding options......       1,446,862        2,176,791      139,410,710      120,413,155
Units redeemed and transferred to                                                                     
   other funding options...........     (1,253,103)        (867,344)    (139,144,730)    (120,372,775)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................       7,792,671        7,598,912        8,307,410        8,041,430
                                    ===============  ===============  ===============  ===============

                                                        [Enlarge/Download Table]

                                                                              FTVIPT FRANKLIN         
                                          FIDELITY VIP OVERSEAS              INCOME SECURITIES        
                                               SUB-ACCOUNT                      SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                          2013             2012            2013             2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............         509,517          540,072        4,708,870        4,290,472
Units issued and transferred                                                                          
   from other funding options......          12,503           26,857          860,767        1,191,730
Units redeemed and transferred to                                                                     
   other funding options...........        (74,877)         (57,412)        (649,971)        (773,332)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................         447,143          509,517        4,919,666        4,708,870
                                    ===============  ===============  ===============  ===============


                                            FTVIPT FRANKLIN                 FTVIPT MUTUAL SHARES      
                                      SMALL CAP VALUE SECURITIES                 SECURITIES           
                                              SUB-ACCOUNT                        SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                         2013             2012              2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............       8,321,925        5,710,847        5,768,385        5,952,328
Units issued and transferred                                                                          
   from other funding options......       2,576,537        3,738,614          550,522          965,771
Units redeemed and transferred to                                                                     
   other funding options...........     (1,714,039)      (1,127,536)        (841,541)      (1,149,714)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................       9,184,423        8,321,925        5,477,366        5,768,385
                                    ===============  ===============  ===============  ===============


                                            FTVIPT TEMPLETON                 FTVIPT TEMPLETON         
                                           FOREIGN SECURITIES             GLOBAL BOND SECURITIES      
                                               SUB-ACCOUNT                      SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                          2013             2012            2013             2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............       2,730,167        2,720,421       11,067,808        8,104,261
Units issued and transferred                                                                          
   from other funding options......         184,075          444,001        3,547,855        4,284,150
Units redeemed and transferred to                                                                     
   other funding options...........       (457,225)        (434,255)      (1,664,761)      (1,320,603)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................       2,457,017        2,730,167       12,950,902       11,067,808
                                    ===============  ===============  ===============  ===============


(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012:                         

                                                        [Enlarge/Download Table]

                                     INVESCO V.I. AMERICAN FRANCHISE       INVESCO V.I. AMERICAN VALUE    
                                               SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  --------------------------------- 
                                          2013              2012              2013              2012      
                                    ----------------  ----------------  ----------------  --------------- 

                                                                                                          
Units beginning of year............           28,015            18,874         5,515,798        4,490,470 
Units issued and transferred                                                                              
   from other funding options......                5            17,706         1,405,833        1,827,974 
Units redeemed and transferred to                                                                         
   other funding options...........          (5,873)           (8,565)         (958,158)        (802,646) 
                                    ----------------  ----------------  ----------------  --------------- 
Units end of year..................           22,147            28,015         5,963,473        5,515,798 
                                    ================  ================  ================  =============== 


                                        INVESCO V.I. CORE EQUITY        INVESCO V.I. EQUITY AND INCOME    
                                               SUB-ACCOUNT                        SUB-ACCOUNT             
                                    --------------------------------  ----------------------------------  
                                         2013             2012              2013              2012        
                                    ---------------  ---------------  ----------------  ----------------  

                                                                                                          
Units beginning of year............          49,005           63,191        29,563,858        27,370,136  
Units issued and transferred                                                                              
   from other funding options......               1               18         5,739,587         6,876,521  
Units redeemed and transferred to                                                                         
   other funding options...........         (9,171)         (14,204)       (3,975,190)       (4,682,799)  
                                    ---------------  ---------------  ----------------  ----------------  
Units end of year..................          39,835           49,005        31,328,255        29,563,858  
                                    ===============  ===============  ================  ================  


                                     INVESCO V.I. GLOBAL REAL ESTATE     INVESCO V.I. GROWTH AND INCOME   
                                               SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  ----------------------------------
                                          2013              2012              2013              2012      
                                    ----------------  ----------------  ----------------  ----------------

                                                                                                          
Units beginning of year............        2,556,360         1,863,096        13,407,203        11,777,382
Units issued and transferred                                                                              
   from other funding options......        1,352,296         1,078,991         2,432,918         3,449,278
Units redeemed and transferred to                                                                         
   other funding options...........        (654,076)         (385,727)       (2,040,267)       (1,819,457)
                                    ----------------  ----------------  ----------------  ----------------
Units end of year..................        3,254,580         2,556,360        13,799,854        13,407,203
                                    ================  ================  ================  ================

                                                        [Enlarge/Download Table]


                                    INVESCO V.I. INTERNATIONAL GROWTH    JANUS ASPEN GLOBAL RESEARCH  
                                               SUB-ACCOUNT                       SUB-ACCOUNT          
                                    ---------------------------------  -------------------------------
                                          2013            2012              2013             2012     
                                     --------------  --------------    --------------  ---------------

                                                                                                      
Units beginning of year............       8,127,475       6,481,068               769              769
Units issued and transferred                                                                          
   from other funding options......       1,760,912       2,444,775                --               --
Units redeemed and transferred to                                                                     
   other funding options...........       (987,033)       (798,368)              (48)               --
                                     --------------  --------------    --------------  ---------------
Units end of year..................       8,901,354       8,127,475               721              769
                                     ==============  ==============    ==============  ===============


                                           LMPVET CLEARBRIDGE               LMPVET CLEARBRIDGE        
                                       VARIABLE AGGRESSIVE GROWTH         VARIABLE ALL CAP VALUE      
                                               SUB-ACCOUNT                      SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                          2013             2012            2013             2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............      11,687,754       11,855,614        3,081,671        3,213,146
Units issued and transferred                                                                          
   from other funding options......       2,702,461        2,474,667          316,163          465,469
Units redeemed and transferred to                                                                     
   other funding options...........     (2,411,214)      (2,642,527)        (475,543)        (596,944)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................      11,979,001       11,687,754        2,922,291        3,081,671
                                    ===============  ===============  ===============  ===============


                                          LMPVET CLEARBRIDGE                LMPVET CLEARBRIDGE        
                                         VARIABLE APPRECIATION            VARIABLE EQUITY INCOME      
                                              SUB-ACCOUNT                       SUB-ACCOUNT           
                                    --------------------------------  ------------------------------- 
                                         2013             2012             2013             2012      
                                    ---------------  ---------------  ---------------  -------------- 

                                                                                                      
Units beginning of year............       7,908,912        7,021,537        9,055,914       8,013,455 
Units issued and transferred                                                                          
   from other funding options......       1,753,644        2,091,600        2,599,732       2,895,083 
Units redeemed and transferred to                                                                     
   other funding options...........     (1,058,149)      (1,204,225)      (1,411,492)     (1,852,624) 
                                    ---------------  ---------------  ---------------  -------------- 
Units end of year..................       8,604,407        7,908,912       10,244,154       9,055,914 
                                    ===============  ===============  ===============  ============== 

                                                        [Enlarge/Download Table]

                                      LMPVET CLEARBRIDGE VARIABLE       LMPVET CLEARBRIDGE VARIABLE  
                                           LARGE CAP GROWTH                   LARGE CAP VALUE        
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  -------------------------------
                                          2013            2012             2013             2012     
                                    ---------------  ---------------  --------------  ---------------

                                                                                                     
Units beginning of year............         283,429          363,040         286,427          265,335
Units issued and transferred                                                                         
   from other funding options......          16,933           26,721          91,925           92,095
Units redeemed and transferred to                                                                    
   other funding options...........        (57,408)        (106,332)        (58,751)         (71,003)
                                    ---------------  ---------------  --------------  ---------------
Units end of year..................         242,954          283,429         319,601          286,427
                                    ===============  ===============  ==============  ===============


                                      LMPVET CLEARBRIDGE VARIABLE        LMPVET INVESTMENT COUNSEL   
                                           SMALL CAP GROWTH              VARIABLE SOCIAL AWARENESS   
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  -------------------------------
                                          2013            2012             2013             2012     
                                    ---------------  ---------------  --------------  ---------------

                                                                                                     
Units beginning of year............       3,457,289        2,686,955           9,185           17,377
Units issued and transferred                                                                         
   from other funding options......       1,487,008        1,387,037             363              341
Units redeemed and transferred to                                                                    
   other funding options...........       (841,470)        (616,703)         (1,616)          (8,533)
                                    ---------------  ---------------  --------------  ---------------
Units end of year..................       4,102,827        3,457,289           7,932            9,185
                                    ===============  ===============  ==============  ===============


                                            LMPVET VARIABLE                  LMPVET VARIABLE         
                                       LIFESTYLE ALLOCATION 50%         LIFESTYLE ALLOCATION 70%     
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                    -------------------------------  ------------------------------- 
                                         2013             2012            2013             2012      
                                    ---------------  --------------  --------------  --------------- 

                                                                                                     
Units beginning of year............       1,699,443       1,414,982         162,342          219,583 
Units issued and transferred                                                                         
   from other funding options......         532,901         529,688          12,965            1,501 
Units redeemed and transferred to                                                                    
   other funding options...........       (220,911)       (245,227)        (53,912)         (58,742) 
                                    ---------------  --------------  --------------  --------------- 
Units end of year..................       2,011,433       1,699,443         121,395          162,342 
                                    ===============  ==============  ==============  =============== 

                                                        [Enlarge/Download Table]

                                       LMPVET VARIABLE LIFESTYLE      LMPVIT WESTERN ASSET VARIABLE   
                                            ALLOCATION 85%               GLOBAL HIGH YIELD BOND       
                                              SUB-ACCOUNT                      SUB-ACCOUNT            
                                    -------------------------------  ------------------------------   
                                         2013             2012            2013            2012        
                                    ---------------  --------------  --------------  --------------   

                                                                                                      
Units beginning of year............       5,015,187       4,732,454       4,039,328       3,594,817   
Units issued and transferred                                                                          
   from other funding options......         343,106         820,273       1,173,324       1,232,020   
Units redeemed and transferred to                                                                     
   other funding options...........       (568,108)       (537,540)       (825,774)       (787,509)   
                                    ---------------  --------------  --------------  --------------   
Units end of year..................       4,790,185       5,015,187       4,386,878       4,039,328   
                                    ===============  ==============  ==============  ==============   



                                         MFS VIT INVESTORS TRUST            MFS VIT NEW DISCOVERY     
                                               SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                          2013             2012             2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............           3,616            7,050            4,161            4,939
Units issued and transferred                                                                          
   from other funding options......              --               --               --               --
Units redeemed and transferred to                                                                     
   other funding options...........            (99)          (3,434)            (867)            (778)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................           3,517            3,616            3,294            4,161
                                    ===============  ===============  ===============  ===============


                                                                       MIST ALLIANCEBERNSTEIN GLOBAL  
                                           MFS VIT RESEARCH                 DYNAMIC ALLOCATION        
                                              SUB-ACCOUNT                       SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                          2013            2012             2013             2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............           8,335            8,675      267,334,005      168,434,681
Units issued and transferred                                                                          
   from other funding options......              92               --       49,782,034      116,824,775
Units redeemed and transferred to                                                                     
   other funding options...........           (295)            (340)     (30,859,953)     (17,925,451)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................           8,132            8,335      286,256,086      267,334,005
                                    ===============  ===============  ===============  ===============


(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012:                         

                                                        [Enlarge/Download Table]

                                             MIST AMERICAN                  MIST AMERICAN FUNDS      
                                       FUNDS BALANCED ALLOCATION             GROWTH ALLOCATION       
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  -------------------------------
                                          2013            2012             2013             2012     
                                    ---------------  ---------------  --------------  ---------------

                                                                                                     
Units beginning of year............     292,605,761      306,967,734     149,020,463      159,224,115
Units issued and transferred                                                                         
   from other funding options......      18,431,005       19,362,093      20,136,813       14,465,078
Units redeemed and transferred to                                                                    
   other funding options...........    (34,206,231)     (33,724,066)    (21,362,764)     (24,668,730)
                                    ---------------  ---------------  --------------  ---------------
Units end of year..................     276,830,535      292,605,761     147,794,512      149,020,463
                                    ===============  ===============  ==============  ===============


                                                                            MIST AMERICAN FUNDS      
                                      MIST AMERICAN FUNDS GROWTH            MODERATE ALLOCATION      
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    -------------------------------  --------------------------------
                                         2013             2012             2013            2012      
                                    ---------------  --------------  ---------------  ---------------

                                                                                                     
Units beginning of year............      54,812,434      64,256,598      159,499,085      168,982,398
Units issued and transferred                                                                         
   from other funding options......      19,877,224       8,420,717        6,661,377       10,897,945
Units redeemed and transferred to                                                                    
   other funding options...........    (15,095,840)    (17,864,881)     (18,387,247)     (20,381,258)
                                    ---------------  --------------  ---------------  ---------------
Units end of year..................      59,593,818      54,812,434      147,773,215      159,499,085
                                    ===============  ==============  ===============  ===============


                                         MIST AQR GLOBAL RISK             MIST BLACKROCK GLOBAL      
                                               BALANCED                    TACTICAL STRATEGIES       
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                    -------------------------------  --------------------------------
                                         2013             2012             2013            2012      
                                    --------------  ---------------  ---------------  ---------------

                                                                                                     
Units beginning of year............    324,843,850      179,038,392      471,913,542      297,189,715
Units issued and transferred                                                                         
   from other funding options......     59,582,950      166,064,494       76,646,145      206,814,495
Units redeemed and transferred to                                                                    
   other funding options...........   (89,318,604)     (20,259,036)     (60,984,960)     (32,090,668)
                                    --------------  ---------------  ---------------  ---------------
Units end of year..................    295,108,196      324,843,850      487,574,727      471,913,542
                                    ==============  ===============  ===============  ===============

                                                        [Enlarge/Download Table]


                                       MIST BLACKROCK HIGH YIELD       MIST BLACKROCK LARGE CAP CORE  
                                              SUB-ACCOUNT                       SUB-ACCOUNT           
                                    --------------------------------  ------------------------------- 
                                          2013            2012             2013             2012      
                                    ---------------  ---------------  --------------  --------------- 

                                                                                                      
Units beginning of year............      11,949,833       10,891,616       1,423,242        1,414,721 
Units issued and transferred                                                                          
   from other funding options......       4,448,298        6,729,999         248,426          448,336 
Units redeemed and transferred to                                                                     
   other funding options...........     (5,614,449)      (5,671,782)       (411,414)        (439,815) 
                                    ---------------  ---------------  --------------  --------------- 
Units end of year..................      10,783,682       11,949,833       1,260,254        1,423,242 
                                    ===============  ===============  ==============  =============== 


                                                                              MIST CLEARBRIDGE        
                                    MIST CLARION GLOBAL REAL ESTATE         AGGRESSIVE GROWTH II      
                                              SUB-ACCOUNT                        SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                         2013             2012              2013            2012      
                                    ---------------  --------------   ---------------  ---------------

                                                                                                      
Units beginning of year............      10,967,900      11,304,866           687,043          543,584
Units issued and transferred                                                                          
   from other funding options......       3,149,547       2,105,122           252,978          362,623
Units redeemed and transferred to                                                                     
   other funding options...........     (3,017,856)     (2,442,088)         (335,228)        (219,164)
                                    ---------------  --------------   ---------------  ---------------
Units end of year..................      11,099,591      10,967,900           604,793          687,043
                                    ===============  ==============   ===============  ===============


                                           MIST CLEARBRIDGE                MIST GOLDMAN SACHS         
                                           AGGRESSIVE GROWTH                  MID CAP VALUE           
                                              SUB-ACCOUNT                      SUB-ACCOUNT            
                                    -------------------------------  -------------------------------  
                                         2013             2012            2013             2012       
                                    --------------  ---------------  ---------------  --------------  

                                                                                                      
Units beginning of year............     33,802,849       35,764,496        8,486,283       9,263,271  
Units issued and transferred                                                                          
   from other funding options......     12,353,599        7,911,776        2,123,717       1,124,342  
Units redeemed and transferred to                                                                     
   other funding options...........    (9,856,765)      (9,873,423)      (2,670,616)     (1,901,330)  
                                    --------------  ---------------  ---------------  --------------  
Units end of year..................     36,299,683       33,802,849        7,939,384       8,486,283  
                                    ==============  ===============  ===============  ==============  

                                                        [Enlarge/Download Table]

                                          MIST HARRIS OAKMARK                MIST INVESCO             
                                             INTERNATIONAL             BALANCED-RISK ALLOCATION       
                                              SUB-ACCOUNT                     SUB-ACCOUNT             
                                    ------------------------------  -------------------------------   
                                         2013            2012             2013          2012 (b)      
                                    --------------  --------------  ---------------  --------------   

                                                                                                      
Units beginning of year............     25,722,293      28,033,038      631,214,101              --   
Units issued and transferred                                                                          
   from other funding options......      6,769,558       5,193,899      443,294,590     650,591,123   
Units redeemed and transferred to                                                                     
   other funding options...........    (6,722,399)     (7,504,644)    (273,647,738)    (19,377,022)   
                                    --------------  --------------  ---------------  --------------   
Units end of year..................     25,769,452      25,722,293      800,860,953     631,214,101   
                                    ==============  ==============  ===============  ==============   



                                         MIST INVESCO COMSTOCK           MIST INVESCO MID CAP VALUE   
                                              SUB-ACCOUNT                        SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                          2013            2012              2013            2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............      26,662,653       25,137,797        5,175,603        5,366,862
Units issued and transferred                                                                          
   from other funding options......       6,360,415        7,479,612          726,776          997,969
Units redeemed and transferred to                                                                     
   other funding options...........     (6,133,804)      (5,954,756)      (1,282,477)      (1,189,228)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................      26,889,264       26,662,653        4,619,902        5,175,603
                                    ===============  ===============  ===============  ===============



                                     MIST INVESCO SMALL CAP GROWTH       MIST JPMORGAN CORE BOND      
                                              SUB-ACCOUNT                      SUB-ACCOUNT            
                                    -------------------------------  -------------------------------  
                                         2013             2012            2013             2012       
                                    --------------  ---------------  --------------  ---------------  

                                                                                                      
Units beginning of year............     13,528,657       13,942,780      31,242,391       32,528,572  
Units issued and transferred                                                                          
   from other funding options......      3,270,520        3,212,680      69,538,044        7,302,721  
Units redeemed and transferred to                                                                     
   other funding options...........    (3,796,043)      (3,626,803)    (71,340,945)      (8,588,902)  
                                    --------------  ---------------  --------------  ---------------  
Units end of year..................     13,003,134       13,528,657      29,439,490       31,242,391  
                                    ==============  ===============  ==============  ===============  

                                                        [Enlarge/Download Table]

                                          MIST JPMORGAN GLOBAL                                       
                                            ACTIVE ALLOCATION          MIST JPMORGAN SMALL CAP VALUE 
                                               SUB-ACCOUNT                      SUB-ACCOUNT          
                                    --------------------------------  -------------------------------
                                          2013          2012 (b)           2013             2012     
                                    ---------------  ---------------  ---------------  --------------

                                                                                                     
Units beginning of year............     269,034,003               --        1,643,159       1,650,824
Units issued and transferred                                                                         
   from other funding options......     441,036,411      274,291,117          124,281         241,604
Units redeemed and transferred to                                                                    
   other funding options...........    (60,216,445)      (5,257,114)        (311,857)       (249,269)
                                    ---------------  ---------------  ---------------  --------------
Units end of year..................     649,853,969      269,034,003        1,455,583       1,643,159
                                    ===============  ===============  ===============  ==============


                                           MIST LOOMIS SAYLES                MIST LORD ABBETT        
                                             GLOBAL MARKETS                   BOND DEBENTURE         
                                               SUB-ACCOUNT                      SUB-ACCOUNT          
                                    --------------------------------  ------------------------------ 
                                          2013            2012             2013            2012      
                                    ---------------  ---------------  --------------  -------------- 

                                                                                                     
Units beginning of year............      12,318,466       13,161,956      10,178,078      10,848,076 
Units issued and transferred                                                                         
   from other funding options......       1,930,340        2,618,481       2,088,131       1,371,896 
Units redeemed and transferred to                                                                    
   other funding options...........     (3,405,983)      (3,461,971)     (2,925,191)     (2,041,894) 
                                    ---------------  ---------------  --------------  -------------- 
Units end of year..................      10,842,823       12,318,466       9,341,018      10,178,078 
                                    ===============  ===============  ==============  ============== 


                                         MIST MET/EATON VANCE                MIST MET/FRANKLIN       
                                             FLOATING RATE               LOW DURATION TOTAL RETURN   
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  ------------------------------ 
                                          2013            2012             2013            2012      
                                    ---------------  ---------------  --------------  -------------- 

                                                                                                     
Units beginning of year............       5,007,151        4,263,176       4,349,231       2,835,514 
Units issued and transferred                                                                         
   from other funding options......       4,910,363        2,295,738      13,737,199       2,859,109 
Units redeemed and transferred to                                                                    
   other funding options...........     (2,397,545)      (1,551,763)     (4,035,637)     (1,345,392) 
                                    ---------------  ---------------  --------------  -------------- 
Units end of year..................       7,519,969        5,007,151      14,050,793       4,349,231 
                                    ===============  ===============  ==============  ============== 


(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012:                         

                                                        [Enlarge/Download Table]

                                          MIST MET/TEMPLETON                 MIST METLIFE             
                                          INTERNATIONAL BOND              AGGRESSIVE STRATEGY         
                                              SUB-ACCOUNT                     SUB-ACCOUNT             
                                    ------------------------------  -------------------------------   
                                         2013            2012            2013             2012        
                                    --------------  --------------  --------------  ---------------   

                                                                                                      
Units beginning of year............      4,238,395       4,276,073      44,655,767       49,390,389   
Units issued and transferred                                                                          
   from other funding options......        985,885       1,128,325       4,811,432        4,301,820   
Units redeemed and transferred to                                                                     
   other funding options...........    (1,318,951)     (1,166,003)     (7,015,919)      (9,036,442)   
                                    --------------  --------------  --------------  ---------------   
Units end of year..................      3,905,329       4,238,395      42,451,280       44,655,767   
                                    ==============  ==============  ==============  ===============   


                                              MIST METLIFE                     MIST METLIFE           
                                              BALANCED PLUS                  BALANCED STRATEGY        
                                               SUB-ACCOUNT                      SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                          2013             2012             2013            2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............     438,994,467      257,076,022      550,560,779      592,824,603
Units issued and transferred                                                                          
   from other funding options......     154,477,158      208,342,594       36,007,453       38,366,523
Units redeemed and transferred to                                                                     
   other funding options...........    (46,374,998)     (26,424,149)     (67,366,811)     (80,630,347)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................     547,096,627      438,994,467      519,201,421      550,560,779
                                    ===============  ===============  ===============  ===============


                                             MIST METLIFE                      MIST METLIFE           
                                          DEFENSIVE STRATEGY                  GROWTH STRATEGY         
                                              SUB-ACCOUNT                       SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                         2013             2012             2013             2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............     178,585,503      186,262,512      407,576,342      446,977,194
Units issued and transferred                                                                          
   from other funding options......      12,195,405       36,676,249       80,860,643       23,060,082
Units redeemed and transferred to                                                                     
   other funding options...........    (50,200,387)     (44,353,258)     (53,560,238)     (62,460,934)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................     140,580,521      178,585,503      434,876,747      407,576,342
                                    ===============  ===============  ===============  ===============

                                                        [Enlarge/Download Table]

                                             MIST METLIFE               MIST METLIFE MULTI-INDEX    
                                           MODERATE STRATEGY                  TARGETED RISK         
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  ------------------------------ 
                                         2013             2012            2013          2012 (c)    
                                    --------------  ---------------  --------------  -------------- 

                                                                                                    
Units beginning of year............    266,549,696      281,377,647      11,094,386              -- 
Units issued and transferred                                                                        
   from other funding options......     19,283,696       27,689,670     150,360,164      11,117,372 
Units redeemed and transferred to                                                                   
   other funding options...........   (38,726,315)     (42,517,621)     (7,504,407)        (22,986) 
                                    --------------  ---------------  --------------  -------------- 
Units end of year..................    247,107,077      266,549,696     153,950,143      11,094,386 
                                    ==============  ===============  ==============  ============== 


                                               MIST MFS                         MIST MFS            
                                        EMERGING MARKETS EQUITY          RESEARCH INTERNATIONAL     
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  -------------------------------
                                         2013             2012            2013             2012     
                                    ---------------  --------------  ---------------  --------------

                                                                                                    
Units beginning of year............      38,352,212      37,004,554       21,667,563      22,841,018
Units issued and transferred                                                                        
   from other funding options......      12,177,917       9,475,344        2,142,621       3,053,885
Units redeemed and transferred to                                                                   
   other funding options...........     (8,906,952)     (8,127,686)      (4,193,701)     (4,227,340)
                                    ---------------  --------------  ---------------  --------------
Units end of year..................      41,623,177      38,352,212       19,616,483      21,667,563
                                    ===============  ==============  ===============  ==============


                                          MIST MORGAN STANLEY               MIST OPPENHEIMER        
                                            MID CAP GROWTH                    GLOBAL EQUITY         
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  -------------------------------
                                         2013             2012             2013            2012     
                                    ---------------  --------------  ---------------  --------------

                                                                                                    
Units beginning of year............      12,225,316       8,735,505          500,711         559,531
Units issued and transferred                                                                        
   from other funding options......       3,100,228       4,900,360        3,443,548          38,793
Units redeemed and transferred to                                                                   
   other funding options...........     (2,225,641)     (1,410,549)        (816,539)        (97,613)
                                    ---------------  --------------  ---------------  --------------
Units end of year..................      13,099,903      12,225,316        3,127,720         500,711
                                    ===============  ==============  ===============  ==============

                                                        [Enlarge/Download Table]

                                              MIST PIMCO                       MIST PIMCO           
                                       INFLATION PROTECTED BOND               TOTAL RETURN          
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  -------------------------------
                                         2013            2012             2013            2012      
                                    --------------  ---------------  --------------  ---------------

                                                                                                    
Units beginning of year............     64,013,091       63,087,877     128,302,689      132,311,947
Units issued and transferred                                                                        
   from other funding options......     14,947,068       16,960,767      24,830,457       27,859,521
Units redeemed and transferred to                                                                   
   other funding options...........   (21,311,654)     (16,035,553)    (34,713,308)     (31,868,779)
                                    --------------  ---------------  --------------  ---------------
Units end of year..................     57,648,505       64,013,091     118,419,838      128,302,689
                                    ==============  ===============  ==============  ===============


                                                                              MIST PIONEER          
                                           MIST PIONEER FUND                STRATEGIC INCOME        
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  -------------------------------
                                         2013            2012             2013            2012      
                                    --------------  ---------------  --------------  ---------------

                                                                                                    
Units beginning of year............     11,331,680        9,480,402      29,638,373       24,444,162
Units issued and transferred                                                                        
   from other funding options......      3,073,514        3,453,766      17,942,693       10,611,047
Units redeemed and transferred to                                                                   
   other funding options...........    (1,972,643)      (1,602,488)     (6,131,045)      (5,416,836)
                                    --------------  ---------------  --------------  ---------------
Units end of year..................     12,432,551       11,331,680      41,450,021       29,638,373
                                    ==============  ===============  ==============  ===============


                                             MIST PYRAMIS             MIST PYRAMIS                  
                                           GOVERNMENT INCOME          MANAGED RISK                  
                                              SUB-ACCOUNT              SUB-ACCOUNT                  
                                    -------------------------------  --------------                 
                                         2013            2012           2013 (d)                    
                                    --------------  ---------------  --------------                 

                                                                                                    
Units beginning of year............     88,599,553       45,618,019              --                 
Units issued and transferred                                                                        
   from other funding options......     20,394,869       64,826,342       7,910,133                 
Units redeemed and transferred to                                                                   
   other funding options...........   (39,506,061)     (21,844,808)       (616,086)                 
                                    --------------  ---------------  --------------                 
Units end of year..................     69,488,361       88,599,553       7,294,047                 
                                    ==============  ===============  ==============                 

                                                        [Enlarge/Download Table]

                                            MIST SCHRODERS                      MIST SSGA           
                                          GLOBAL MULTI-ASSET              GROWTH AND INCOME ETF     
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  -------------------------------
                                         2013          2012 (b)           2013             2012     
                                    --------------  ---------------  --------------  ---------------

                                                                                                    
Units beginning of year............    179,641,654               --     118,446,237      120,297,977
Units issued and transferred                                                                        
   from other funding options......    254,720,312      184,349,381       8,842,539       17,478,592
Units redeemed and transferred to                                                                   
   other funding options...........   (59,100,608)      (4,707,727)    (16,853,399)     (19,330,332)
                                    --------------  ---------------  --------------  ---------------
Units end of year..................    375,261,358      179,641,654     110,435,377      118,446,237
                                    ==============  ===============  ==============  ===============


                                                                           MIST T. ROWE PRICE       
                                         MIST SSGA GROWTH ETF                LARGE CAP VALUE        
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  -------------------------------
                                         2013             2012            2013            2012      
                                    --------------  ---------------  --------------  ---------------

                                                                                                    
Units beginning of year............     36,733,044       37,984,453      12,231,249       13,446,503
Units issued and transferred                                                                        
   from other funding options......      5,769,705        8,263,310       1,603,300        1,153,503
Units redeemed and transferred to                                                                   
   other funding options...........    (6,583,525)      (9,514,719)     (2,513,569)      (2,368,757)
                                    --------------  ---------------  --------------  ---------------
Units end of year..................     35,919,224       36,733,044      11,320,980       12,231,249
                                    ==============  ===============  ==============  ===============


                                          MIST T. ROWE PRICE                MIST THIRD AVENUE       
                                            MID CAP GROWTH                   SMALL CAP VALUE        
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  -------------------------------
                                         2013             2012            2013             2012     
                                    --------------  ---------------  --------------  ---------------

                                                                                                    
Units beginning of year............     41,941,697       44,089,511      15,859,523       18,611,699
Units issued and transferred                                                                        
   from other funding options......      6,286,743        7,017,740       1,894,187        1,630,404
Units redeemed and transferred to                                                                   
   other funding options...........   (10,262,528)      (9,165,554)     (3,760,994)      (4,382,580)
                                    --------------  ---------------  --------------  ---------------
Units end of year..................     37,965,912       41,941,697      13,992,716       15,859,523
                                    ==============  ===============  ==============  ===============


(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012:                         

                                                        [Enlarge/Download Table]

                                          MSF BAILLIE GIFFORD                  MSF BARCLAYS          
                                          INTERNATIONAL STOCK              AGGREGATE BOND INDEX      
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    -------------------------------  --------------------------------
                                         2013             2012             2013            2012      
                                    ---------------  --------------  ---------------  ---------------

                                                                                                     
Units beginning of year............         219,106         282,028       10,756,748        8,083,366
Units issued and transferred                                                                         
   from other funding options......      35,014,663          25,473        6,105,533        4,814,657
Units redeemed and transferred to                                                                    
   other funding options...........     (5,683,952)        (88,395)      (3,325,344)      (2,141,275)
                                    ---------------  --------------  ---------------  ---------------
Units end of year..................      29,549,817         219,106       13,536,937       10,756,748
                                    ===============  ==============  ===============  ===============


                                             MSF BLACKROCK                   MSF BLACKROCK           
                                              BOND INCOME                CAPITAL APPRECIATION        
                                              SUB-ACCOUNT                     SUB-ACCOUNT            
                                    ------------------------------  -------------------------------  
                                         2013            2012            2013             2012       
                                    --------------  --------------  ---------------  --------------  

                                                                                                     
Units beginning of year............      1,045,629         953,075          745,728         814,200  
Units issued and transferred                                                                         
   from other funding options......        259,586         277,049          149,273         197,460  
Units redeemed and transferred to                                                                    
   other funding options...........      (250,867)       (184,495)        (173,786)       (265,932)  
                                    --------------  --------------  ---------------  --------------  
Units end of year..................      1,054,348       1,045,629          721,215         745,728  
                                    ==============  ==============  ===============  ==============  


                                              MSF BLACKROCK                    MSF BLACKROCK         
                                             LARGE CAP VALUE                   MONEY MARKET          
                                               SUB-ACCOUNT                      SUB-ACCOUNT          
                                    --------------------------------  -------------------------------
                                          2013            2012             2013             2012     
                                    ---------------  ---------------  --------------  ---------------

                                                                                                     
Units beginning of year............         230,438          252,494      53,484,009       59,067,302
Units issued and transferred                                                                         
   from other funding options......          39,765           44,601      42,460,926       43,722,394
Units redeemed and transferred to                                                                    
   other funding options...........        (45,013)         (66,657)    (51,615,737)     (49,305,687)
                                    ---------------  ---------------  --------------  ---------------
Units end of year..................         225,190          230,438      44,329,198       53,484,009
                                    ===============  ===============  ==============  ===============

                                                        [Enlarge/Download Table]

                                                                       MSF FRONTIER                                   
                                         MSF DAVIS VENTURE VALUE      MID CAP GROWTH         MSF JENNISON GROWTH      
                                               SUB-ACCOUNT              SUB-ACCOUNT              SUB-ACCOUNT          
                                    --------------------------------  ---------------  -------------------------------
                                          2013             2012          2013 (d)           2013             2012     
                                    ---------------  ---------------  ---------------  ---------------  --------------

                                                                                                                      
Units beginning of year............      41,401,029       48,368,185               --       35,125,323      20,877,221
Units issued and transferred                                                                                          
   from other funding options......       3,841,529        3,838,366        5,813,772        6,890,303      22,832,898
Units redeemed and transferred to                                                                                     
   other funding options...........     (9,032,971)     (10,805,522)      (1,046,051)      (9,441,429)     (8,584,796)
                                    ---------------  ---------------  ---------------  ---------------  --------------
Units end of year..................      36,209,587       41,401,029        4,767,721       32,574,197      35,125,323
                                    ===============  ===============  ===============  ===============  ==============


                                            MSF LOOMIS SAYLES                MSF LOOMIS SAYLES                        
                                             SMALL CAP CORE                  SMALL CAP GROWTH                         
                                               SUB-ACCOUNT                      SUB-ACCOUNT                           
                                    --------------------------------  -------------------------------                 
                                          2013            2012             2013           2012 (b)                    
                                    ---------------  ---------------  ---------------  --------------                 

                                                                                                                      
Units beginning of year............         330,015          310,374            3,306              --                 
Units issued and transferred                                                                                          
   from other funding options......          60,857           98,496           13,578           3,306                 
Units redeemed and transferred to                                                                                     
   other funding options...........       (107,545)         (78,855)          (4,378)              --                 
                                    ---------------  ---------------  ---------------  --------------                 
Units end of year..................         283,327          330,015           12,506           3,306                 
                                    ===============  ===============  ===============  ==============                 


                                            MSF MET/ARTISAN                                                           
                                             MID CAP VALUE                                                            
                                              SUB-ACCOUNT                                                             
                                    -------------------------------                                                   
                                         2013             2012                                                        
                                    --------------  ---------------                                                   

                                                                                                                      
Units beginning of year............     13,419,571       14,599,235                                                   
Units issued and transferred                                                                                          
   from other funding options......      2,613,526        1,633,041                                                   
Units redeemed and transferred to                                                                                     
   other funding options...........    (2,907,307)      (2,812,705)                                                   
                                    --------------  ---------------                                                   
Units end of year..................     13,125,790       13,419,571                                                   
                                    ==============  ===============                                                   

                                                        [Enlarge/Download Table]

                                          MSF MET/DIMENSIONAL                   MSF METLIFE             
                                      INTERNATIONAL SMALL COMPANY         CONSERVATIVE ALLOCATION       
                                              SUB-ACCOUNT                       SUB-ACCOUNT             
                                    --------------------------------  --------------------------------  
                                         2013             2012             2013             2012        
                                    ---------------  ---------------  ---------------  ---------------  

                                                                                                        
Units beginning of year............       3,203,412        3,336,605          735,694          850,770  
Units issued and transferred                                                                            
   from other funding options......         832,391          791,959           51,604           73,579  
Units redeemed and transferred to                                                                       
   other funding options...........       (827,252)        (925,152)        (230,263)        (188,655)  
                                    ---------------  ---------------  ---------------  ---------------  
Units end of year..................       3,208,551        3,203,412          557,035          735,694  
                                    ===============  ===============  ===============  ===============  


                                      MSF METLIFE CONSERVATIVE TO               MSF METLIFE             
                                          MODERATE ALLOCATION               MID CAP STOCK INDEX         
                                              SUB-ACCOUNT                       SUB-ACCOUNT             
                                    --------------------------------  --------------------------------  
                                         2013             2012             2013             2012        
                                    ---------------  ---------------  ---------------  ---------------  

                                                                                                        
Units beginning of year............         588,986          608,383        4,914,049        4,708,991  
Units issued and transferred                                                                            
   from other funding options......          17,083           51,385        2,339,087        1,761,634  
Units redeemed and transferred to                                                                       
   other funding options...........        (55,173)         (70,782)      (1,751,777)      (1,556,576)  
                                    ---------------  ---------------  ---------------  ---------------  
Units end of year..................         550,896          588,986        5,501,359        4,914,049  
                                    ===============  ===============  ===============  ===============  


                                              MSF METLIFE                        MSF METLIFE            
                                          MODERATE ALLOCATION         MODERATE TO AGGRESSIVE ALLOCATION 
                                              SUB-ACCOUNT                        SUB-ACCOUNT            
                                    --------------------------------  ----------------------------------
                                         2013             2012              2013             2012       
                                    ---------------  ---------------   ---------------  --------------- 

                                                                                                        
Units beginning of year............       3,326,548        3,930,913         4,335,356        4,632,179 
Units issued and transferred                                                                            
   from other funding options......          91,734          324,723            54,564           71,059 
Units redeemed and transferred to                                                                       
   other funding options...........       (345,160)        (929,088)         (462,019)        (367,882) 
                                    ---------------  ---------------   ---------------  --------------- 
Units end of year..................       3,073,122        3,326,548         3,927,901        4,335,356 
                                    ===============  ===============   ===============  =============== 

                                                        [Enlarge/Download Table]

                                        MSF METLIFE STOCK INDEX         MSF MFS TOTAL RETURN                 MSF MFS VALUE         
                                              SUB-ACCOUNT                    SUB-ACCOUNT                      SUB-ACCOUNT          
                                    ------------------------------  ------------------------------  ------------------------------ 
                                         2013            2012            2013            2012            2013            2012      
                                    --------------  --------------  --------------  --------------  --------------  -------------- 

                                                                                                                                   
Units beginning of year............     29,109,224      25,347,914         730,405         826,212       3,025,966       3,145,406 
Units issued and transferred                                                                                                       
   from other funding options......      6,636,730      14,585,302         213,323         113,713      11,667,337         433,811 
Units redeemed and transferred to                                                                                                  
   other funding options...........    (7,121,566)    (10,823,992)       (129,604)       (209,520)     (2,553,425)       (553,251) 
                                    --------------  --------------  --------------  --------------  --------------  -------------- 
Units end of year..................     28,624,388      29,109,224         814,124         730,405      12,139,878       3,025,966 
                                    ==============  ==============  ==============  ==============  ==============  ============== 


                                          MSF MSCI EAFE INDEX         MSF NEUBERGER BERMAN GENESIS       MSF RUSSELL 2000 INDEX    
                                              SUB-ACCOUNT                      SUB-ACCOUNT                     SUB-ACCOUNT         
                                    -------------------------------  ------------------------------  ------------------------------
                                         2013             2012            2013            2012            2013            2012     
                                    ---------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                   
Units beginning of year............       7,172,234       6,390,970         626,194         647,811       5,078,788       3,926,223
Units issued and transferred                                                                                                       
   from other funding options......       3,468,301       2,557,262       8,992,058         169,024       2,243,147       3,452,677
Units redeemed and transferred to                                                                                                  
   other funding options...........     (1,830,889)     (1,775,998)     (1,598,077)       (190,641)     (1,486,434)     (2,300,112)
                                    ---------------  --------------  --------------  --------------  --------------  --------------
Units end of year..................       8,809,646       7,172,234       8,020,175         626,194       5,835,501       5,078,788
                                    ===============  ==============  ==============  ==============  ==============  ==============


(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONCLUDED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012:                         

                                                        [Enlarge/Download Table]

                                           MSF T. ROWE PRICE               MSF T. ROWE PRICE         
                                           LARGE CAP GROWTH                SMALL CAP GROWTH          
                                              SUB-ACCOUNT                     SUB-ACCOUNT            
                                    ------------------------------  -------------------------------  
                                         2013            2012            2013             2012       
                                    --------------  --------------  ---------------  --------------  

                                                                                                     
Units beginning of year............         39,346          44,809          380,162         417,381  
Units issued and transferred                                                                         
   from other funding options......     18,370,073          21,120           74,979          41,453  
Units redeemed and transferred to                                                                    
   other funding options...........    (3,721,339)        (26,583)         (98,222)        (78,672)  
                                    --------------  --------------  ---------------  --------------  
Units end of year..................     14,688,080          39,346          356,919         380,162  
                                    ==============  ==============  ===============  ==============  


                                              MSF VAN ECK              MSF WESTERN ASSET MANAGEMENT  
                                       GLOBAL NATURAL RESOURCES               U.S. GOVERNMENT        
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    -------------------------------  --------------------------------
                                          2013            2012             2013            2012      
                                    ---------------  --------------  ---------------  ---------------

                                                                                                     
Units beginning of year............       7,200,491       6,910,683       17,244,875       16,038,241
Units issued and transferred                                                                         
   from other funding options......       1,538,360       2,301,818        4,180,259        6,048,090
Units redeemed and transferred to                                                                    
   other funding options...........     (2,460,184)     (2,012,010)      (5,007,641)      (4,841,456)
                                    ---------------  --------------  ---------------  ---------------
Units end of year..................       6,278,667       7,200,491       16,417,493       17,244,875
                                    ===============  ==============  ===============  ===============



                                       NEUBERGER BERMAN GENESIS         OPPENHEIMER VA CORE BOND     
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                    -------------------------------  ------------------------------- 
                                         2013             2012            2013             2012      
                                    --------------  ---------------  --------------  --------------- 

                                                                                                     
Units beginning of year............            474              474           1,541            1,878 
Units issued and transferred                                                                         
   from other funding options......             --               --              --               -- 
Units redeemed and transferred to                                                                    
   other funding options...........             --               --            (48)            (337) 
                                    --------------  ---------------  --------------  --------------- 
Units end of year..................            474              474           1,493            1,541 
                                    ==============  ===============  ==============  =============== 


                                                        [Enlarge/Download Table]

                                            OPPENHEIMER VA                                           
                                        GLOBAL STRATEGIC INCOME         OPPENHEIMER VA MAIN STREET   
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  -------------------------------
                                          2013            2012             2013             2012     
                                    ---------------  ---------------  --------------  ---------------

                                                                                                     
Units beginning of year............             443              443          14,959           22,109
Units issued and transferred                                                                         
   from other funding options......              --               --              --               --
Units redeemed and transferred to                                                                    
   other funding options...........              --               --           (643)          (7,150)
                                    ---------------  ---------------  --------------  ---------------
Units end of year..................             443              443          14,316           14,959
                                    ===============  ===============  ==============  ===============


                                            OPPENHEIMER VA                                           
                                         MAIN STREET SMALL CAP             OPPENHEIMER VA MONEY      
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    -------------------------------  --------------------------------
                                         2013             2012             2013            2012      
                                    ---------------  --------------  ---------------  ---------------

                                                                                                     
Units beginning of year............       5,041,901       4,964,464           20,150           20,177
Units issued and transferred                                                                         
   from other funding options......         643,815         773,448               --               --
Units redeemed and transferred to                                                                    
   other funding options...........     (1,030,426)       (696,011)         (19,427)             (27)
                                    ---------------  --------------  ---------------  ---------------
Units end of year..................       4,655,290       5,041,901              723           20,150
                                    ===============  ==============  ===============  ===============



                                     PIONEER VCT DISCIPLINED VALUE    PIONEER VCT EMERGING MARKETS   
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                    -------------------------------  ------------------------------- 
                                         2013             2012            2013             2012      
                                    --------------  ---------------  ---------------  -------------- 

                                                                                                     
Units beginning of year............        229,721          238,409           49,333          48,427 
Units issued and transferred                                                                         
   from other funding options......          2,035           15,082            8,618          17,770 
Units redeemed and transferred to                                                                    
   other funding options...........       (61,099)         (23,770)         (11,263)        (16,864) 
                                    --------------  ---------------  ---------------  -------------- 
Units end of year..................        170,657          229,721           46,688          49,333 
                                    ==============  ===============  ===============  ============== 

                                                        [Enlarge/Download Table]

                                                                                 PIONEER VCT          
                                       PIONEER VCT EQUITY INCOME         IBBOTSON GROWTH ALLOCATION   
                                              SUB-ACCOUNT                        SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                         2013             2012              2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............          24,722           17,862        1,199,751        1,225,572
Units issued and transferred                                                                          
   from other funding options......             147            7,715           24,774           43,759
Units redeemed and transferred to                                                                     
   other funding options...........         (2,177)            (855)        (109,548)         (69,580)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................          22,692           24,722        1,114,977        1,199,751
                                    ===============  ===============  ===============  ===============


                                          PIONEER VCT IBBOTSON                                        
                                           MODERATE ALLOCATION            PIONEER VCT MID CAP VALUE   
                                               SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                          2013             2012             2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............       1,789,015        1,795,010        1,769,793        1,688,831
Units issued and transferred                                                                          
   from other funding options......          15,433           57,414          220,661          381,410
Units redeemed and transferred to                                                                     
   other funding options...........       (144,208)         (63,409)        (270,601)        (300,448)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................       1,660,240        1,789,015        1,719,853        1,769,793
                                    ===============  ===============  ===============  ===============



                                     PIONEER VCT REAL ESTATE SHARES      T. ROWE PRICE GROWTH STOCK   
                                               SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                          2013             2012             2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............          10,700           12,968           66,302           73,401
Units issued and transferred                                                                          
   from other funding options......           1,372            2,570            6,234            5,154
Units redeemed and transferred to                                                                     
   other funding options...........           (673)          (4,838)          (9,965)         (12,253)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................          11,399           10,700           62,571           66,302
                                    ===============  ===============  ===============  ===============

                                                        [Enlarge/Download Table]

                                    T. ROWE PRICE INTERNATIONAL STOCK      T. ROWE PRICE PRIME RESERVE   
                                               SUB-ACCOUNT                         SUB-ACCOUNT           
                                    ----------------------------------  ---------------------------------
                                          2013              2012             2013              2012      
                                    ----------------  ---------------   ---------------  ----------------

                                                                                                         
Units beginning of year............           45,736           59,337            40,746            54,384
Units issued and transferred                                                                             
   from other funding options......            1,435            2,844            30,026            24,475
Units redeemed and transferred to                                                                        
   other funding options...........          (5,811)         (16,445)          (39,029)          (38,113)
                                    ----------------  ---------------   ---------------  ----------------
Units end of year..................           41,360           45,736            31,743            40,746
                                    ================  ===============   ===============  ================


                                          UIF U.S. REAL ESTATE                                           
                                               SUB-ACCOUNT                                               
                                    --------------------------------                                     
                                          2013            2012                                           
                                    ---------------  ---------------                                     

                                                                                                         
Units beginning of year............       2,343,331        2,367,197                                     
Units issued and transferred                                                                             
   from other funding options......         692,925          610,442                                     
Units redeemed and transferred to                                                                        
   other funding options...........       (505,065)        (634,308)                                     
                                    ---------------  ---------------                                     
Units end of year..................       2,531,191        2,343,331                                     
                                    ===============  ===============                                     


(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  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 Sub-Accounts. 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 investment income ratios, and expense ratios, excluding expenses 
for the underlying portfolio, series, or fund, for the respective stated        
periods in the five years ended December 31, 2013:                              

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                   
                                     ---------------------------------------------     
                                                     UNIT VALUE                        
                                                      LOWEST TO           NET          
                                         UNITS       HIGHEST ($)      ASSETS ($)       
                                     ------------  ---------------  --------------     
                                                                                       
Alger Small Cap Growth         2013     4,387,118    14.41 - 14.70      63,772,199     
   Sub-Account                 2012     4,795,545    10.89 - 11.09      52,626,085     
                               2011     5,212,661      9.82 - 9.98      51,540,007     
                               2010     5,634,931    10.28 - 10.44      58,325,342     
                               2009     6,156,883      8.32 - 8.44      51,552,207     

American Funds Bond            2013     8,361,945    15.94 - 18.68     146,158,351     
   Sub-Account                 2012     7,687,811    16.60 - 19.27     139,213,016     
                               2011     6,703,194    16.06 - 18.46     116,697,267     
                               2010     5,183,483    15.43 - 17.57      86,203,052     
                               2009     3,608,245    14.77 - 16.66      57,212,613     

American Funds Global          2013     8,333,553    32.79 - 41.42     314,826,203     
   Growth Sub-Account          2012     8,485,913    25.98 - 32.35     251,295,328     
                               2011     8,205,329    21.69 - 26.44     200,460,185     
                               2010     7,470,107    24.36 - 29.30     202,441,649     
                               2009     6,579,263    22.30 - 26.47     161,438,857     

American Funds Global Small    2013     3,375,743    33.79 - 39.59     124,184,003     
   Capitalization Sub-Account  2012     3,385,796    26.85 - 31.14      98,386,346     
                               2011     3,080,674    23.15 - 26.58      76,801,888     
                               2010     2,578,008    29.19 - 33.17      80,582,925     
                               2009     2,262,060    24.30 - 27.34      58,608,602     

American Funds Growth          2013     3,937,244  168.83 - 257.41     856,560,204     
   Sub-Account                 2012     4,113,319  132.79 - 199.62     696,665,988     
                               2011     3,976,212  115.27 - 170.85     577,437,630     
                               2010     3,717,676  123.22 - 180.08     568,813,924     
                               2009     3,225,880  106.24 - 153.09     419,749,811     

American Funds                 2013     2,581,885  117.99 - 179.88     388,319,990     
   Growth-Income Sub-Account   2012     2,745,842   90.43 - 135.94     312,823,451     
                               2011     2,773,925   78.78 - 116.75     272,388,909     
                               2010     2,639,070   82.11 - 119.99     266,511,951     
                               2009     2,398,146   75.40 - 108.65     219,689,912     

DWS I International            2013     1,888,612      9.76 - 9.85      18,592,794     
   Sub-Account                 2012     2,040,232      8.24 - 8.30      16,933,216     
                               2011     2,245,605      6.92 - 6.97      15,659,285     
                               2010     2,471,385      8.43 - 8.48      20,962,763     
                               2009     2,700,348      8.41 - 8.46      22,845,161     


                                                FOR THE YEAR ENDED DECEMBER 31         
                                     --------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                        INCOME          LOWEST TO          LOWEST TO   
                                       RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                     -------------  ----------------  -----------------
                                                                                       
Alger Small Cap Growth         2013         --        1.25 - 1.40         32.40 - 32.59
   Sub-Account                 2012         --        1.25 - 1.40         10.93 - 11.09
                               2011         --        1.25 - 1.40       (4.52) - (4.38)
                               2010         --        1.25 - 1.40         23.54 - 23.73
                               2009         --        1.25 - 1.40         43.49 - 43.70

American Funds Bond            2013       1.84        0.95 - 1.90       (4.00) - (3.08)
   Sub-Account                 2012       2.64        0.95 - 1.90           3.38 - 4.37
                               2011       3.37        0.95 - 1.90           4.11 - 5.11
                               2010       3.44        0.95 - 1.90           4.44 - 5.44
                               2009       3.86        0.95 - 1.90         10.49 - 11.54

American Funds Global          2013       1.26        0.90 - 2.30         26.24 - 28.02
   Growth Sub-Account          2012       0.94        0.90 - 2.30          7.06 - 21.40
                               2011       1.37        0.95 - 2.30      (10.95) - (9.75)
                               2010       1.56        0.95 - 2.30          9.21 - 10.69
                               2009       1.51        0.95 - 2.30         39.07 - 40.96

American Funds Global Small    2013       0.87        0.89 - 1.90         25.87 - 27.14
   Capitalization Sub-Account  2012       1.35        0.89 - 1.90          2.91 - 17.13
                               2011       1.34        0.89 - 1.90     (20.66) - (19.86)
                               2010       1.75        0.89 - 1.90         20.11 - 21.33
                               2009       0.31        0.89 - 1.90         58.26 - 59.86

American Funds Growth          2013       0.93        0.89 - 2.30         27.15 - 28.95
   Sub-Account                 2012       0.81        0.89 - 2.30          1.85 - 16.84
                               2011       0.63        0.89 - 2.30       (6.45) - (5.12)
                               2010       0.77        0.89 - 2.30         15.98 - 17.63
                               2009       0.71        0.89 - 2.30         36.24 - 38.18

American Funds                 2013       1.35        0.89 - 2.30         30.47 - 32.32
   Growth-Income Sub-Account   2012       1.64        0.89 - 2.30         14.80 - 16.44
                               2011       1.60        0.89 - 2.30       (4.06) - (2.70)
                               2010       1.55        0.89 - 2.30          8.90 - 10.44
                               2009       1.74        0.89 - 2.30         28.26 - 30.08

DWS I International            2013       5.30        1.35 - 1.40         18.56 - 18.62
   Sub-Account                 2012       2.19        1.35 - 1.40         18.96 - 19.02
                               2011       1.83        1.35 - 1.40     (17.83) - (17.79)
                               2010       2.18        1.35 - 1.40           0.21 - 0.26
                               2009       4.39        1.35 - 1.40         31.67 - 31.73

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                AS OF DECEMBER 31                          FOR THE YEAR ENDED DECEMBER 31         
                                  ---------------------------------------------  -------------------------------------------------
                                                  UNIT VALUE                     INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                                   LOWEST TO           NET          INCOME          LOWEST TO         LOWEST TO   
                                      UNITS       HIGHEST ($)      ASSETS ($)      RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                  ------------  ---------------  --------------  -------------  ----------------  ----------------
                                                                                                                                  
Federated High Income Bond  2013         2,545            10.28          26,166       6.76               1.40                 5.50
   Sub-Account              2012         2,556             9.74          24,908       8.87               1.40                13.09
                            2011         3,549             8.62          30,572       8.62               1.40                 3.71
                            2010         3,566             8.31          29,620       7.89               1.40                13.13
                            2009         3,582             7.34          26,300       8.35               1.40                50.72

Federated Kaufman           2013         5,836             7.70          44,907         --               1.40                38.18
   Sub-Account              2012         6,002             5.57          33,424         --               1.40                15.65
   (Commenced 3/15/2010)    2011        12,138             4.82          58,454       1.12               1.40              (14.47)
                            2010        14,184             5.63          79,874         --               1.40                13.09

Fidelity VIP Asset Manager  2013     5,885,530    14.88 - 15.70      88,274,483       1.55        0.89 - 1.40        14.10 - 14.68
   Sub-Account              2012     6,517,939    13.04 - 13.69      85,640,352       1.49        0.89 - 1.40        10.91 - 11.48
                            2011     7,353,740    11.75 - 12.28      87,071,337       1.88        0.89 - 1.40      (3.91) - (3.42)
                            2010     8,263,984    12.22 - 12.71     101,784,889       1.66        0.89 - 1.40        12.67 - 13.26
                            2009     9,345,424    10.84 - 11.23     102,112,475       2.38        0.89 - 1.40        27.32 - 27.96

Fidelity VIP Contrafund     2013    17,717,451     5.67 - 64.36     611,972,926       1.04        0.89 - 2.25        10.23 - 30.12
   Sub-Account              2012    15,604,750    12.42 - 49.54     471,113,726       1.36        0.89 - 2.25        13.71 - 15.38
                            2011    15,588,853    10.76 - 43.00     388,526,965       1.01        0.89 - 2.25      (4.80) - (3.38)
                            2010    15,707,574    11.14 - 44.59     379,741,596       1.25        0.89 - 2.25        14.51 - 16.18
                            2009    15,955,996     9.59 - 38.44     313,576,644       1.44        0.89 - 2.25        32.65 - 34.50

Fidelity VIP Equity-Income  2013       341,560            17.43       5,954,600       2.41               1.40                26.37
   Sub-Account              2012       400,352            13.80       5,523,241       2.96               1.40                15.67
                            2011       460,289            11.93       5,489,918       2.37               1.40               (0.43)
                            2010       530,175            11.98       6,350,751       1.75               1.40                13.56
                            2009       619,856            10.55       6,538,981       2.24               1.40                28.40

Fidelity VIP FundsManager   2013   158,954,030    12.73 - 12.88   2,033,793,788       1.55        1.90 - 2.05        12.57 - 12.74
   50% Sub-Account          2012    39,080,828    11.31 - 11.42     443,823,085       2.69        1.90 - 2.05          1.76 - 4.11
   (Commenced 7/23/2012)                                                                                                          

Fidelity VIP FundsManager   2013   333,151,686    12.05 - 12.16   4,031,523,824       1.16        1.90 - 2.05        16.21 - 16.38
   60% Sub-Account          2012   345,636,001    10.37 - 10.45   3,596,633,088       1.53        1.90 - 2.05          9.33 - 9.49
   (Commenced 10/15/2009)   2011   272,464,191      9.48 - 9.54   2,591,601,265       2.00        1.90 - 2.05      (4.01) - (3.87)
                            2010   118,824,451      9.88 - 9.93   1,176,598,687       2.72        1.90 - 2.05        11.32 - 11.49
                            2009     4,074,373      8.87 - 8.90      36,215,324       3.35        1.90 - 2.05          0.07 - 0.09

Fidelity VIP Growth         2013     8,194,380    20.10 - 21.07     165,968,439       0.29        0.89 - 1.40        34.44 - 35.13
   Sub-Account              2012     9,085,626    14.95 - 15.59     136,799,312       0.59        0.89 - 1.40        13.09 - 13.67
                            2011     9,918,387    13.22 - 13.72     131,974,709       0.36        0.89 - 1.40      (1.19) - (0.68)
                            2010    10,951,340    13.38 - 13.81     147,385,504       0.28        0.89 - 1.40        22.44 - 23.08
                            2009    11,893,241    10.93 - 11.22     130,641,959       0.45        0.89 - 1.40        26.51 - 27.14

Fidelity VIP Index 500      2013     3,091,556    22.53 - 23.73      69,677,247       1.84        0.89 - 1.35        30.47 - 31.07
   Sub-Account              2012     3,530,426    17.27 - 18.10      60,984,620       2.03        0.89 - 1.35        14.35 - 14.88
                            2011     3,976,112    15.10 - 15.76      60,061,917       1.87        0.89 - 1.35          0.67 - 1.14
                            2010     4,565,389    14.90 - 15.58      68,501,202       1.87        0.89 - 1.40        13.42 - 14.00
                            2009     5,300,313    13.22 - 13.67      70,079,047       2.52        0.89 - 1.35        24.91 - 25.48

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                      AS OF DECEMBER 31                  
                                       ---------------------------------------------     
                                                        UNIT VALUE                       
                                                         LOWEST TO          NET          
                                           UNITS        HIGHEST ($)     ASSETS ($)       
                                       ------------  ---------------  --------------     
                                                                                         
Fidelity VIP Mid Cap             2013     7,792,671    52.90 - 61.01     446,581,942     
   Sub-Account                   2012     7,598,912    39.68 - 45.33     324,832,892     
                                 2011     6,289,465    35.30 - 39.95     237,701,501     
                                 2010     4,364,581    40.36 - 45.24     187,246,537     
                                 2009     3,075,278    31.99 - 35.52     103,784,411     

Fidelity VIP Money Market        2013     8,307,410     7.04 - 10.73      76,155,346     
   Sub-Account                   2012     8,041,430     7.14 - 10.94      73,659,399     
                                 2011     8,001,050     7.23 - 11.14      73,068,632     
                                 2010     7,492,405     7.33 - 11.34      67,343,833     
                                 2009     6,126,543     7.41 - 11.53      50,572,988     

Fidelity VIP Overseas            2013       447,143    12.41 - 14.19       5,925,521     
   Sub-Account                   2012       509,517     9.62 - 11.02       5,241,037     
                                 2011       540,072      8.06 - 9.24       4,664,192     
                                 2010       593,728     9.85 - 11.30       6,266,276     
                                 2009       663,667     8.81 - 10.11       6,282,775     

FTVIPT Franklin Income           2013     4,919,666    48.59 - 67.20     297,821,470     
   Securities Sub-Account        2012     4,708,870    43.62 - 59.54     253,164,341     
                                 2011     4,290,472    39.61 - 53.36     206,611,149     
                                 2010     3,722,732    39.56 - 52.61     176,548,647     
                                 2009     3,157,996    35.91 - 47.14     134,091,525     

FTVIPT Franklin Small Cap        2013     9,184,423    13.56 - 14.30     128,048,983     
   Value Securities Sub-Account  2012     8,321,925    10.13 - 10.60      86,296,073     
                                 2011     5,710,847      8.71 - 9.04      50,705,697     
                                 2010     3,178,430      9.21 - 9.48      29,718,643     
                                 2009     1,787,114      7.31 - 7.46      13,205,263     

FTVIPT Mutual Shares             2013     5,477,366    26.11 - 30.73     156,078,571     
   Securities Sub-Account        2012     5,768,385    20.75 - 24.19     129,780,562     
                                 2011     5,952,328    18.51 - 21.38     118,532,870     
                                 2010     5,431,435    19.07 - 21.81     110,507,146     
                                 2009     4,784,657    17.47 - 19.80      88,554,450     

FTVIPT Templeton Foreign         2013     2,457,017    16.25 - 38.21      87,721,293     
   Securities Sub-Account        2012     2,730,167    13.46 - 31.61      80,788,377     
                                 2011     2,720,421    11.59 - 27.19      69,009,193     
                                 2010     2,782,005    13.20 - 30.95      79,683,759     
                                 2009     2,655,441    12.40 - 29.04      70,515,555     

FTVIPT Templeton Global          2013    12,950,902    18.47 - 20.82     254,683,414     
   Bond Securities Sub-Account   2012    11,067,808    18.50 - 20.69     217,063,429     
                                 2011     8,104,261    16.36 - 18.15     139,986,041     
                                 2010     4,997,591    16.79 - 18.48      88,294,177     
                                 2009     2,853,081    14.93 - 16.31      44,636,060     

Invesco V.I. American            2013        22,147             7.39         163,713     
   Franchise Sub-Account         2012        28,015             5.35         149,862     
                                 2011        18,874             4.77          90,033     
                                 2010        25,363             5.16         130,764     
                                 2009        26,829             4.36         117,046     


                                                 FOR THE YEAR ENDED DECEMBER 31          
                                       --------------------------------------------------
                                       INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                          INCOME          LOWEST TO          LOWEST TO   
                                         RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                       -------------  ----------------  -----------------
                                                                                         
Fidelity VIP Mid Cap             2013       0.28        0.95 - 1.90         33.31 - 34.59
   Sub-Account                   2012       0.43        0.95 - 1.90         12.40 - 13.47
                                 2011       0.03        0.95 - 1.90     (12.53) - (11.70)
                                 2010       0.14        0.95 - 1.90         26.16 - 27.36
                                 2009       0.54        0.95 - 1.90         37.12 - 38.43

Fidelity VIP Money Market        2013       0.02        0.89 - 2.05       (2.01) - (0.86)
   Sub-Account                   2012       0.12        0.89 - 2.05       (1.93) - (0.76)
                                 2011       0.09        0.89 - 2.05       (1.94) - (0.77)
                                 2010       0.17        0.89 - 2.05       (1.82) - (0.65)
                                 2009       0.71        0.89 - 2.05       (0.68) - (0.17)

Fidelity VIP Overseas            2013       1.34        1.15 - 1.40         28.62 - 28.95
   Sub-Account                   2012       1.97        1.15 - 1.40         19.05 - 19.35
                                 2011       1.35        1.15 - 1.40     (18.32) - (18.12)
                                 2010       1.39        1.15 - 1.40         11.54 - 11.82
                                 2009       2.17        1.15 - 1.40         24.78 - 25.09

FTVIPT Franklin Income           2013       6.33        0.95 - 2.25         11.41 - 12.86
   Securities Sub-Account        2012       6.44        0.95 - 2.25         10.13 - 11.58
                                 2011       5.75        0.95 - 2.25           0.11 - 1.42
                                 2010       6.60        0.95 - 2.25         10.17 - 11.61
                                 2009       8.01        0.95 - 2.25         32.58 - 34.31

FTVIPT Franklin Small Cap        2013       1.31        0.95 - 1.75         33.88 - 34.95
   Value Securities Sub-Account  2012       0.78        0.95 - 1.75         16.32 - 17.26
                                 2011       0.66        0.95 - 1.75       (5.43) - (4.67)
                                 2010       0.73        0.95 - 1.75         26.00 - 27.01
                                 2009       1.66        0.95 - 1.75         26.91 - 27.94

FTVIPT Mutual Shares             2013       2.10        0.95 - 1.90         25.85 - 27.05
   Securities Sub-Account        2012       2.06        0.95 - 1.90         12.08 - 13.16
                                 2011       2.42        0.95 - 1.90       (2.90) - (1.98)
                                 2010       1.62        0.95 - 1.90          9.10 - 10.14
                                 2009       2.02        0.95 - 1.90         23.67 - 24.86

FTVIPT Templeton Foreign         2013       2.38        1.55 - 2.30         20.18 - 21.08
   Securities Sub-Account        2012       3.02        1.55 - 2.30         15.53 - 16.41
                                 2011       1.71        1.55 - 2.30     (12.66) - (12.00)
                                 2010       1.88        1.55 - 2.30           5.94 - 6.74
                                 2009       3.05        1.55 - 2.30         33.93 - 34.94

FTVIPT Templeton Global          2013       4.75        0.95 - 1.75         (0.13) - 0.67
   Bond Securities Sub-Account   2012       6.42        0.95 - 1.75         13.06 - 13.97
                                 2011       5.46        0.95 - 1.75       (2.58) - (1.81)
                                 2010       1.36        0.95 - 1.75         12.46 - 13.36
                                 2009      14.21        0.95 - 1.75         16.62 - 17.56

Invesco V.I. American            2013       0.42               1.40                 38.19
   Franchise Sub-Account         2012         --               1.40                 12.14
                                 2011         --               1.40                (7.49)
                                 2010         --               1.40                 18.18
                                 2009       0.11               1.40                 63.78

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                 
                                    ----------------------------------------------   
                                                     UNIT VALUE                      
                                                      LOWEST TO           NET        
                                        UNITS        HIGHEST ($)      ASSETS ($)     
                                    ------------  ----------------  --------------   
                                                                                     
Invesco V.I. American Value   2013     5,963,473     15.53 - 16.44      95,295,929   
   Sub-Account                2012     5,515,798     11.80 - 12.39      66,684,996   
                              2011     4,490,470     10.26 - 10.68      47,014,117   
                              2010     2,673,648     10.35 - 10.70      28,139,044   
                              2009     1,763,519       8.62 - 8.84      15,401,650   

Invesco V.I. Core Equity      2013        39,835              6.27         249,696   
   Sub-Account                2012        49,005              4.92         241,009   
                              2011        63,191              4.38         276,761   
                              2010        88,640              4.44         393,933   
                              2009        99,143              4.11         407,845   

Invesco V.I. Equity and       2013    31,328,255      6.09 - 21.69     649,322,698   
   Income Sub-Account         2012    29,563,858      4.93 - 17.54     496,945,594   
                              2011    27,370,136      4.44 - 15.75     414,357,262   
                              2010    22,199,448     14.98 - 16.11     345,124,808   
                              2009    17,747,381     13.63 - 14.52     249,400,082   

Invesco V.I. Global Real      2013     3,254,580       8.95 - 9.48      29,993,323   
   Estate Sub-Account         2012     2,556,360       8.90 - 9.34      23,302,577   
                              2011     1,863,096       7.08 - 7.38      13,467,264   
                              2010     1,148,943       7.73 - 7.98       9,028,134   
                              2009       704,385       6.71 - 6.88       4,786,308   

Invesco V.I. Growth and       2013    13,799,854      9.57 - 36.41     365,970,613   
   Income Sub-Account         2012    13,407,203      7.24 - 27.48     268,230,013   
                              2011    11,777,382      6.40 - 24.26     206,338,231   
                              2010     9,061,763      6.63 - 25.06     160,437,278   
                              2009     6,896,039      5.97 - 22.55     107,604,807   

Invesco V.I. International    2013     8,901,354      9.17 - 34.47     281,999,206   
   Growth Sub-Account         2012     8,127,475      7.81 - 29.32     219,783,700   
                              2011     6,481,068      6.86 - 25.68     154,099,050   
                              2010     4,327,573      7.46 - 27.87     111,888,065   
                              2009     2,818,925      6.70 - 24.98      65,315,391   

Janus Aspen Global Research   2013           721              9.35           6,748   
   Sub-Account                2012           769              7.35           5,653   
                              2011           769              6.17           4,750   
                              2010           901              7.22           6,506   
                              2009           999              6.29           6,285   

LMPVET ClearBridge Variable   2013    11,979,001     15.00 - 25.98     280,745,200   
   Aggressive Growth          2012    11,687,754     10.38 - 17.75     186,988,862   
   Sub-Account                2011    11,855,614      8.94 - 15.09     160,839,221   
                              2010    11,742,971      8.92 - 14.87     156,471,918   
                              2009    11,503,827      7.29 - 12.01     123,705,924   

LMPVET ClearBridge Variable   2013     2,922,291     37.21 - 48.58     129,253,563   
   All Cap Value Sub-Account  2012     3,081,671     28.81 - 37.11     104,446,756   
                              2011     3,213,146     25.64 - 32.59      95,718,136   
                              2010     3,100,875     27.97 - 35.07      99,528,233   
                              2009     2,989,079     24.54 - 30.36      83,258,408   


                                              FOR THE YEAR ENDED DECEMBER 31         
                                    -------------------------------------------------
                                    INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                       INCOME          LOWEST TO         LOWEST TO   
                                      RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                    -------------  ----------------  ----------------
                                                                                     
Invesco V.I. American Value   2013       0.57        0.95 - 1.75        31.61 - 32.67
   Sub-Account                2012       0.68        0.95 - 1.75        15.03 - 15.96
                              2011       0.72        0.95 - 1.75      (0.92) - (0.12)
                              2010       0.80        0.95 - 1.75        20.06 - 21.03
                              2009       1.18        0.95 - 1.75        36.75 - 37.84

Invesco V.I. Core Equity      2013       1.36               1.40                27.45
   Sub-Account                2012       0.91               1.40                12.29
                              2011       0.92               1.40               (1.44)
                              2010       0.95               1.40                 8.02
                              2009       1.76               1.40                26.51

Invesco V.I. Equity and       2013       1.54        0.95 - 1.90        22.54 - 23.71
   Income Sub-Account         2012       1.85        0.95 - 1.90        10.26 - 11.32
                              2011       1.69        0.95 - 1.90      (8.77) - (2.23)
                              2010       1.92        0.95 - 1.90         9.92 - 10.97
                              2009       2.82        0.95 - 1.90        20.19 - 21.33

Invesco V.I. Global Real      2013       3.98        0.95 - 1.75          0.66 - 1.47
   Estate Sub-Account         2012       0.48        0.95 - 1.75        25.62 - 26.63
                              2011       4.22        0.95 - 1.75      (8.34) - (7.62)
                              2010       5.55        0.95 - 1.75        15.19 - 16.13
                              2009         --        0.95 - 1.75        28.83 - 29.86

Invesco V.I. Growth and       2013       1.31        0.95 - 1.90        31.25 - 32.50
   Income Sub-Account         2012       1.36        0.95 - 1.90        12.18 - 13.26
                              2011       1.13        0.95 - 1.90      (4.10) - (3.18)
                              2010       0.09        0.95 - 1.90        10.09 - 11.13
                              2009       3.60        0.95 - 1.90        21.78 - 22.94

Invesco V.I. International    2013       1.10        0.95 - 1.75        16.66 - 17.60
   Growth Sub-Account         2012       1.38        0.95 - 1.75        13.25 - 14.16
                              2011       1.06        0.95 - 1.75      (8.60) - (7.87)
                              2010       2.01        0.95 - 1.75        10.66 - 11.55
                              2009       1.74        0.95 - 1.75        32.57 - 33.63

Janus Aspen Global Research   2013       1.21               0.89                27.29
   Sub-Account                2012       0.89               0.89                19.01
                              2011       0.58               0.89              (14.50)
                              2010       0.61               0.89                14.80
                              2009       1.43               0.89                36.49

LMPVET ClearBridge Variable   2013       0.28        0.95 - 2.30        44.42 - 46.38
   Aggressive Growth          2012       0.43        0.95 - 2.30        16.01 - 17.60
   Sub-Account                2011       0.20        0.95 - 2.30          0.15 - 1.50
                              2010       0.15        0.95 - 2.30        22.17 - 23.83
                              2009         --        0.95 - 2.30        31.51 - 33.30

LMPVET ClearBridge Variable   2013       1.40        0.95 - 2.30        29.16 - 30.92
   All Cap Value Sub-Account  2012       1.72        0.95 - 2.30        12.35 - 13.89
                              2011       1.41        0.95 - 2.30      (8.32) - (7.08)
                              2010       1.79        0.95 - 2.30        13.96 - 15.50
                              2009       1.44        0.95 - 2.30        26.41 - 28.14

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                    AS OF DECEMBER 31                  
                                      ---------------------------------------------    
                                                      UNIT VALUE                       
                                                       LOWEST TO           NET         
                                          UNITS       HIGHEST ($)      ASSETS ($)      
                                      ------------  ---------------  --------------    
                                                                                       
LMPVET ClearBridge Variable     2013     8,604,407    38.78 - 51.73     405,286,221    
   Appreciation Sub-Account     2012     7,908,912    30.52 - 40.17     290,191,379    
                                2011     7,021,537    26.94 - 34.98     224,680,370    
                                2010     5,515,253    26.87 - 34.42     173,626,503    
                                2009     4,134,838    24.41 - 30.85     116,657,409    

LMPVET ClearBridge Variable     2013    10,244,154    12.44 - 20.09     191,169,653    
   Equity Income Sub-Account    2012     9,055,914    10.11 - 16.14     134,931,130    
                                2011     8,013,455     9.06 - 14.28     103,322,855    
                                2010     6,778,039    10.29 - 13.39      81,006,913    
                                2009     6,144,958     9.34 - 12.06      64,946,351    

LMPVET ClearBridge Variable     2013       242,954    18.99 - 21.53       5,012,390    
   Large Cap Growth             2012       283,429    14.10 - 15.86       4,312,254    
   Sub-Account                  2011       363,040    11.99 - 13.38       4,673,796    
                                2010       459,350    12.35 - 13.67       6,065,533    
                                2009       557,417    11.50 - 12.63       6,818,703    

LMPVET ClearBridge Variable     2013       319,601    19.77 - 22.45       6,892,954    
   Large Cap Value Sub-Account  2012       286,427    15.28 - 17.21       4,743,489    
                                2011       265,335    13.42 - 15.00       3,836,359    
                                2010       194,899    13.09 - 14.51       2,729,796    
                                2009       196,692    12.23 - 13.45       2,559,454    

LMPVET ClearBridge Variable     2013     4,102,827    22.63 - 31.63     112,499,020    
   Small Cap Growth             2012     3,457,289    15.75 - 21.71      64,881,494    
   Sub-Account                  2011     2,686,955    13.50 - 18.35      42,564,777    
                                2010     2,149,625    13.62 - 18.28      33,662,804    
                                2009     1,757,714    11.13 - 14.74      21,966,842    

LMPVET Investment Counsel       2013         7,932    34.52 - 37.64         292,286    
   Variable Social Awareness    2012         9,185    29.64 - 32.19         289,329    
   Sub-Account                  2011        17,377    27.28 - 29.51         501,373    
                                2010        17,424    27.81 - 29.97         510,680    
                                2009        19,412    25.28 - 27.12         515,712    

LMPVET Variable Lifestyle       2013     2,011,433    20.00 - 23.49      44,101,401    
   Allocation 50% Sub-Account   2012     1,699,443    17.68 - 20.56      32,620,028    
                                2011     1,414,982    15.93 - 17.95      24,265,695    
                                2010       769,522    16.05 - 17.94      13,086,823    
                                2009       487,451    14.30 - 15.06       7,231,568    

LMPVET Variable Lifestyle       2013       121,395    18.11 - 19.37       2,304,999    
   Allocation 70% Sub-Account   2012       162,342    15.15 - 16.14       2,573,509    
                                2011       219,583    13.47 - 14.30       3,086,943    
                                2010       236,121    13.81 - 14.60       3,395,287    
                                2009       271,548    12.24 - 12.89       3,447,350    

LMPVET Variable Lifestyle       2013     4,790,185    18.14 - 21.30      95,074,284    
   Allocation 85% Sub-Account   2012     5,015,187    14.61 - 17.00      79,817,339    
                                2011     4,732,454    12.85 - 14.81      65,879,472    
                                2010     4,289,092    13.41 - 15.30      62,035,149    
                                2009     3,756,486    11.81 - 13.35      47,576,561    


                                                FOR THE YEAR ENDED DECEMBER 31         
                                      -------------------------------------------------
                                      INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                         INCOME          LOWEST TO         LOWEST TO   
                                        RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                      -------------  ----------------  ----------------
                                                                                       
LMPVET ClearBridge Variable     2013       1.29        0.95 - 2.30        27.05 - 28.77
   Appreciation Sub-Account     2012       1.75        0.95 - 2.30        13.30 - 14.85
                                2011       1.77        0.95 - 2.30          0.28 - 1.64
                                2010       1.83        0.95 - 2.30        10.07 - 11.56
                                2009       2.45        0.95 - 2.30        19.34 - 20.96

LMPVET ClearBridge Variable     2013       1.65        0.95 - 2.30        23.08 - 24.49
   Equity Income Sub-Account    2012       3.04        0.95 - 2.30        11.60 - 12.99
                                2011       3.39        0.95 - 2.30        (2.15) - 6.69
                                2010       4.09        0.95 - 1.90        10.01 - 11.06
                                2009       3.37        0.95 - 1.90        20.32 - 21.47

LMPVET ClearBridge Variable     2013       0.51        1.50 - 2.30        34.72 - 35.80
   Large Cap Growth             2012       0.66        1.50 - 2.30        17.60 - 18.55
   Sub-Account                  2011       0.42        1.50 - 2.30      (2.91) - (2.12)
                                2010       0.11        1.50 - 2.30          7.34 - 8.19
                                2009       0.27        1.50 - 2.30        39.14 - 40.27

LMPVET ClearBridge Variable     2013       1.77        1.50 - 2.30        29.36 - 30.40
   Large Cap Value Sub-Account  2012       2.37        1.50 - 2.30        13.84 - 14.76
                                2011       2.82        1.50 - 2.30          2.57 - 3.39
                                2010       3.02        1.50 - 2.30          6.98 - 7.83
                                2009       1.95        1.50 - 2.30        21.66 - 22.65

LMPVET ClearBridge Variable     2013       0.05        0.95 - 2.30        43.71 - 45.66
   Small Cap Growth             2012       0.42        0.95 - 2.30        16.70 - 18.29
   Sub-Account                  2011         --        0.95 - 2.30        (0.91) - 0.43
                                2010         --        0.95 - 2.30        22.34 - 24.00
                                2009         --        0.95 - 2.30        39.53 - 41.42

LMPVET Investment Counsel       2013       0.83        1.50 - 1.90        16.47 - 16.94
   Variable Social Awareness    2012       1.06        1.50 - 1.90          8.62 - 9.06
   Sub-Account                  2011       1.20        1.50 - 1.90      (1.89) - (1.51)
                                2010       1.24        1.50 - 1.90        10.04 - 10.48
                                2009       1.43        1.50 - 1.90        20.53 - 21.01

LMPVET Variable Lifestyle       2013       2.21        0.95 - 1.90        13.16 - 14.24
   Allocation 50% Sub-Account   2012       2.95        0.95 - 1.90        10.96 - 12.02
                                2011       3.19        1.10 - 1.90        (0.73) - 0.07
                                2010       4.10        1.10 - 1.90         6.21 - 12.65
                                2009       5.06        1.50 - 1.90        29.83 - 30.35

LMPVET Variable Lifestyle       2013       1.41        1.50 - 1.90        19.53 - 20.01
   Allocation 70% Sub-Account   2012       2.16        1.50 - 1.90        12.43 - 12.88
                                2011       1.88        1.50 - 1.90      (2.45) - (2.06)
                                2010       2.04        1.50 - 1.90        12.84 - 13.30
                                2009       3.60        1.50 - 1.90        30.41 - 30.93

LMPVET Variable Lifestyle       2013       1.66        0.95 - 1.90        24.12 - 25.30
   Allocation 85% Sub-Account   2012       1.84        0.95 - 1.90        13.70 - 14.79
                                2011       1.55        0.95 - 1.90      (4.15) - (3.23)
                                2010       1.73        0.95 - 1.90        13.52 - 14.60
                                2009       2.64        0.95 - 1.90        29.99 - 31.22

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                  
                                     ---------------------------------------------    
                                                     UNIT VALUE                       
                                                      LOWEST TO           NET         
                                         UNITS       HIGHEST ($)      ASSETS ($)      
                                     ------------  ---------------  --------------    
                                                                                      
LMPVIT Western Asset           2013     4,386,878    20.82 - 25.72     104,740,451    
   Variable Global High Yield  2012     4,039,328    20.05 - 24.44      91,771,912    
   Bond Sub-Account            2011     3,594,817    17.34 - 20.85      69,717,903    
                               2010     3,170,899    17.44 - 20.70      61,092,507    
                               2009     2,845,850    15.53 - 18.18      48,249,580    

MFS VIT Investors Trust        2013         3,517             7.38          25,951    
   Sub-Account                 2012         3,616             5.67          20,488    
                               2011         7,050             4.82          33,994    
                               2010         8,683             5.00          43,404    
                               2009        11,563             4.56          52,758    

MFS VIT New Discovery          2013         3,294            13.97          46,020    
   Sub-Account                 2012         4,161            10.01          41,661    
                               2011         4,939             8.38          41,374    
                               2010         4,951             9.47          46,865    
                               2009         6,461             7.04          45,491    

MFS VIT Research Sub-Account   2013         8,132             7.85          63,835    
                               2012         8,335             6.02          50,155    
                               2011         8,675             5.20          45,142    
                               2010        21,202             5.30         112,388    
                               2009        23,944             4.64         111,057    

MIST AllianceBernstein         2013   286,256,086    11.32 - 11.74   3,313,674,192    
   Global Dynamic Allocation   2012   267,334,005    10.40 - 10.66   2,823,843,417    
   Sub-Account                 2011   168,434,681      9.68 - 9.75   1,639,379,077    
   (Commenced 5/2/2011)                                                               

MIST American Funds            2013   276,830,535    11.83 - 12.78   3,430,387,038    
   Balanced Allocation         2012   292,605,761    10.22 - 10.89   3,106,060,329    
   Sub-Account                 2011   306,967,734      9.22 - 9.69   2,914,777,188    
                               2010   251,644,506     9.64 - 10.00   2,478,289,324    
                               2009   147,529,141      8.80 - 9.00   1,315,175,709    

MIST American Funds Growth     2013   147,794,512    11.83 - 12.67   1,828,322,375    
   Allocation Sub-Account      2012   149,020,463     9.68 - 10.24   1,496,665,592    
                               2011   159,224,115      8.53 - 8.92   1,398,390,722    
                               2010   155,386,301      9.17 - 9.47   1,454,861,016    
                               2009   139,002,030      8.27 - 8.44   1,164,848,803    

MIST American Funds Growth     2013    59,593,818     1.29 - 12.90     632,386,636    
   Sub-Account                 2012    54,812,434     9.59 - 10.07     545,665,799    
                               2011    64,256,598      8.36 - 8.69     553,292,806    
                               2010    52,406,611      8.97 - 9.23     480,253,525    
                               2009    30,278,080      7.76 - 7.90     238,097,827    

MIST American Funds            2013   147,773,215    11.61 - 12.53   1,796,366,977    
   Moderate Allocation         2012   159,499,085    10.47 - 11.15   1,734,325,945    
   Sub-Account                 2011   168,982,398     9.67 - 10.16   1,683,464,896    
                               2010   143,876,667     9.88 - 10.25   1,452,175,003    
                               2009    89,994,728      9.20 - 9.42     839,089,528    


                                               FOR THE YEAR ENDED DECEMBER 31         
                                     -------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                        INCOME          LOWEST TO         LOWEST TO   
                                       RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                     -------------  ----------------  ----------------
                                                                                      
LMPVIT Western Asset           2013       6.19        0.95 - 2.30          3.85 - 5.27
   Variable Global High Yield  2012       7.84        0.95 - 2.30        15.62 - 17.20
   Bond Sub-Account            2011       8.38        0.95 - 2.30        (0.59) - 0.75
                               2010       9.47        0.95 - 2.30        12.31 - 13.83
                               2009      11.34        0.95 - 2.30        52.02 - 54.08

MFS VIT Investors Trust        2013       1.10               1.40                30.22
   Sub-Account                 2012       0.67               1.40                17.52
                               2011       0.90               1.40               (3.54)
                               2010       1.30               1.40                 9.56
                               2009       1.77               1.40                25.15

MFS VIT New Discovery          2013         --               1.40                39.55
   Sub-Account                 2012         --               1.40                19.53
                               2011         --               1.40              (11.51)
                               2010         --               1.40                34.44
                               2009         --               1.40                60.90

MFS VIT Research Sub-Account   2013       0.33               1.40                30.45
                               2012       0.79               1.40                15.63
                               2011       0.72               1.40               (1.83)
                               2010       0.92               1.40                14.29
                               2009       1.44               1.40                28.73

MIST AllianceBernstein         2013       1.28        0.90 - 2.35         8.56 - 10.15
   Global Dynamic Allocation   2012       0.10        0.90 - 2.35          3.45 - 8.82
   Sub-Account                 2011       0.87        1.15 - 2.25      (3.18) - (2.47)
   (Commenced 5/2/2011)                                                               

MIST American Funds            2013       1.37        1.00 - 2.35        15.78 - 17.35
   Balanced Allocation         2012       1.69        1.00 - 2.35        10.88 - 12.39
   Sub-Account                 2011       1.26        1.00 - 2.35      (4.39) - (3.10)
                               2010       1.01        1.00 - 2.35         9.55 - 11.05
                               2009         --        1.00 - 2.35        20.40 - 27.85

MIST American Funds Growth     2013       1.00        1.15 - 2.35        22.20 - 23.68
   Allocation Sub-Account      2012       1.21        1.15 - 2.35        13.45 - 14.82
                               2011       1.10        1.15 - 2.35      (6.95) - (5.82)
                               2010       0.89        1.15 - 2.35        10.86 - 12.18
                               2009         --        1.15 - 2.35        30.93 - 32.51

MIST American Funds Growth     2013       0.44        0.95 - 2.35        11.27 - 28.11
   Sub-Account                 2012       0.33        1.30 - 2.35        14.67 - 15.89
                               2011       0.35        1.30 - 2.35      (6.81) - (5.83)
                               2010       0.20        1.30 - 2.35        15.57 - 16.79
                               2009         --        1.30 - 2.35        35.67 - 37.09

MIST American Funds            2013       1.65        1.00 - 2.35        10.88 - 12.39
   Moderate Allocation         2012       2.04        1.00 - 2.35          8.25 - 9.73
   Sub-Account                 2011       1.54        1.00 - 2.35      (2.14) - (0.81)
                               2010       1.41        1.00 - 2.35          7.36 - 8.82
                               2009         --        1.00 - 2.35        15.69 - 21.98

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                  
                                    ---------------------------------------------     
                                                     UNIT VALUE                       
                                                      LOWEST TO          NET          
                                        UNITS        HIGHEST ($)     ASSETS ($)       
                                    ------------  ---------------  --------------     
                                                                                      
MIST AQR Global Risk          2013   295,108,196     9.93 - 11.09   3,248,475,977     
   Balanced Sub-Account       2012   324,843,850    10.42 - 11.61   3,753,309,463     
   (Commenced 5/2/2011)       2011   179,038,392    10.54 - 10.62   1,898,124,083     

MIST BlackRock Global         2013   487,574,727    10.92 - 11.35   5,457,878,761     
   Tactical Strategies        2012   471,913,542    10.13 - 10.38   4,856,824,935     
   Sub-Account                2011   297,189,715      9.51 - 9.58   2,842,712,285     
   (Commenced 5/2/2011)                                                               

MIST BlackRock High Yield     2013    10,783,682    14.92 - 28.32     265,149,806     
   Sub-Account                2012    11,949,833    13.83 - 26.13     276,977,302     
                              2011    10,891,616    12.03 - 21.28     221,624,841     
                              2010     9,034,810    11.92 - 21.07     182,367,303     
                              2009     5,656,394    16.02 - 18.43     100,278,538     

MIST BlackRock Large Cap      2013     1,260,254    12.25 - 14.84      16,869,650     
   Core Sub-Account           2012     1,423,242     9.34 - 11.16      14,439,147     
                              2011     1,414,721      8.42 - 9.34      12,849,849     
                              2010     1,044,239      8.60 - 9.47       9,613,588     
                              2009       613,169      7.82 - 8.54       5,078,728     

MIST Clarion Global Real      2013    11,099,591    15.36 - 17.68     182,673,922     
   Estate Sub-Account         2012    10,967,900    15.19 - 17.23     177,317,957     
                              2011    11,304,866    12.34 - 13.38     147,447,056     
                              2010     9,934,760    13.39 - 14.36     139,330,754     
                              2009     7,999,282    11.80 - 12.53      98,120,895     

MIST ClearBridge Aggressive   2013       604,793  145.80 - 224.52     119,068,960     
   Growth II Sub-Account      2012       687,043  115.55 - 176.62     106,823,115     
                              2011       543,584   96.27 - 146.05      68,769,080     
                              2010       397,905  106.29 - 160.04      53,356,686     
                              2009       192,470   99.16 - 121.06      21,865,637     

MIST ClearBridge Aggressive   2013    36,299,683    10.84 - 13.77     451,710,565     
   Growth Sub-Account         2012    33,802,849      7.55 - 9.54     292,871,764     
                              2011    35,764,496      6.45 - 7.78     265,479,062     
                              2010    13,863,499      6.97 - 7.63     102,505,758     
                              2009    12,110,468      5.76 - 6.24      73,409,292     

MIST Goldman Sachs Mid Cap    2013     7,939,384    19.93 - 22.07     170,038,386     
   Value Sub-Account          2012     8,486,283    15.38 - 16.85     139,211,779     
                              2011     9,263,271    13.34 - 14.45     130,696,272     
                              2010     7,332,195    14.57 - 15.63     112,015,664     
                              2009     6,218,018    12.01 - 12.74      77,628,353     

MIST Harris Oakmark           2013    25,769,452    23.43 - 29.23     693,983,244     
   International Sub-Account  2012    25,722,293    18.33 - 22.61     538,939,254     
                              2011    28,033,038    14.49 - 17.04     461,860,538     
                              2010    23,589,953    17.23 - 20.14     459,739,197     
                              2009    18,176,767    15.11 - 17.52     309,481,262     

MIST Invesco Balanced-Risk    2013   800,860,953      1.04 - 1.06     843,160,697     
   Allocation Sub-Account     2012   631,214,101      1.04 - 1.05     661,422,417     
   (Commenced 4/30/2012)                                                              


                                              FOR THE YEAR ENDED DECEMBER 31          
                                    --------------------------------------------------
                                    INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                       INCOME          LOWEST TO          LOWEST TO   
                                      RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                    -------------  ----------------  -----------------
                                                                                      
MIST AQR Global Risk          2013       2.09        0.90 - 2.35       (5.64) - (4.26)
   Balanced Sub-Account       2012       0.44        0.90 - 2.35           3.72 - 9.29
   (Commenced 5/2/2011)       2011       3.00        1.15 - 2.25           1.94 - 2.70

MIST BlackRock Global         2013       1.36        0.90 - 2.35           7.75 - 9.32
   Tactical Strategies        2012         --        0.90 - 2.35           3.27 - 7.89
   Sub-Account                2011       1.37        1.15 - 2.25       (4.84) - (4.14)
   (Commenced 5/2/2011)                                                               

MIST BlackRock High Yield     2013       7.02        0.90 - 2.35           6.79 - 8.35
   Sub-Account                2012       7.05        0.90 - 2.35          7.68 - 15.15
                              2011       6.52        1.20 - 2.35         (0.03) - 1.12
                              2010       5.88        1.20 - 2.35          5.99 - 14.28
                              2009       3.54        1.30 - 2.35         43.24 - 44.75

MIST BlackRock Large Cap      2013       1.28        0.90 - 2.30         31.12 - 32.97
   Core Sub-Account           2012       1.07        0.90 - 2.30        (0.27) - 11.75
                              2011       0.92        1.55 - 2.30       (2.06) - (1.33)
                              2010       1.06        1.55 - 2.30         10.01 - 10.85
                              2009       1.34        1.55 - 2.30         16.49 - 17.35

MIST Clarion Global Real      2013       6.85        0.90 - 2.35           1.14 - 2.62
   Estate Sub-Account         2012       2.03        0.90 - 2.35          9.18 - 24.35
                              2011       3.80        1.30 - 2.35       (7.78) - (6.80)
                              2010       7.76        1.30 - 2.35         13.41 - 14.61
                              2009       3.11        1.30 - 2.35         31.61 - 33.00

MIST ClearBridge Aggressive   2013       0.63        1.30 - 2.35         25.80 - 27.13
   Growth II Sub-Account      2012       0.29        1.30 - 2.35         19.66 - 20.94
                              2011       1.69        1.30 - 2.35       (9.69) - (8.74)
                              2010       1.30        1.30 - 2.35           3.20 - 8.00
                              2009         --        1.55 - 2.30         39.96 - 41.01

MIST ClearBridge Aggressive   2013       0.22        0.90 - 2.35         42.22 - 44.30
   Growth Sub-Account         2012       0.02        0.90 - 2.35          3.28 - 17.38
                              2011         --        0.95 - 2.35         (9.34) - 1.91
                              2010         --        1.30 - 2.35         20.92 - 22.20
                              2009         --        1.30 - 2.35         29.87 - 31.23

MIST Goldman Sachs Mid Cap    2013       0.89        1.30 - 2.35         29.57 - 30.94
   Value Sub-Account          2012       0.59        1.30 - 2.35         15.36 - 16.58
                              2011       0.48        1.30 - 2.35       (8.46) - (7.50)
                              2010       0.92        1.30 - 2.35         21.35 - 22.63
                              2009       1.25        1.30 - 2.35         29.24 - 30.59

MIST Harris Oakmark           2013       2.44        0.95 - 2.35         27.46 - 29.26
   International Sub-Account  2012       1.63        0.95 - 2.35         15.61 - 27.58
                              2011         --        1.30 - 2.35     (16.24) - (15.36)
                              2010       1.82        1.30 - 2.35         13.71 - 14.92
                              2009       7.66        1.30 - 2.35         43.46 - 53.06

MIST Invesco Balanced-Risk    2013         --        0.90 - 2.35         (0.50) - 0.95
   Allocation Sub-Account     2012       0.55        0.90 - 2.35           3.03 - 4.04
   (Commenced 4/30/2012)                                                              

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                  AS OF DECEMBER 31                   
                                    --------------------------------------------      
                                                    UNIT VALUE                        
                                                     LOWEST TO          NET           
                                        UNITS       HIGHEST ($)     ASSETS ($)        
                                    ------------  ---------------  -------------      
                                                                                      
MIST Invesco Comstock         2013    26,889,264    14.36 - 22.42    443,561,923      
   Sub-Account                2012    26,662,653    10.86 - 16.72    329,458,802      
                              2011    25,137,797     9.39 - 14.24    266,463,408      
                              2010    21,172,822     9.76 - 14.59    230,561,318      
                              2009    16,791,760     8.70 - 12.82    161,042,507      

MIST Invesco Mid Cap Value    2013     4,619,902    30.27 - 38.39    158,040,375      
   Sub-Account                2012     5,175,603    23.78 - 29.73    138,149,492      
                              2011     5,366,862    21.23 - 24.69    127,004,689      
                              2010     4,351,943    22.57 - 25.97    108,323,379      
                              2009     3,034,782    18.41 - 20.96     60,902,685      

MIST Invesco Small Cap        2013    13,003,134    22.53 - 27.31    319,189,345      
   Growth Sub-Account         2012    13,528,657    16.44 - 19.61    240,468,780      
                              2011    13,942,780    14.22 - 16.69    212,672,795      
                              2010    11,943,258    14.70 - 16.99    186,610,558      
                              2009    11,180,366    11.92 - 13.55    140,473,926      

MIST JPMorgan Core Bond       2013    29,439,490    10.12 - 10.75    311,869,932      
   Sub-Account                2012    31,242,391    10.69 - 11.23    346,492,447      
                              2011    32,528,572    10.43 - 10.84    349,346,240      
                              2010    26,655,400    10.10 - 10.38    274,791,792      
                              2009    14,305,838      9.74 - 9.92    141,146,685      

MIST JPMorgan Global Active   2013   649,853,969      1.13 - 1.16    746,849,717      
   Allocation Sub-Account     2012   269,034,003      1.04 - 1.05    282,572,135      
   (Commenced 4/30/2012)                                                              

MIST JPMorgan Small Cap       2013     1,455,583    18.28 - 20.23     27,866,566      
   Value Sub-Account          2012     1,643,159    14.04 - 15.36     24,014,976      
                              2011     1,650,824    12.42 - 13.17     21,224,281      
                              2010     1,677,961    14.14 - 14.87     24,426,974      
                              2009     1,579,618    12.10 - 12.62     19,575,088      

MIST Loomis Sayles Global     2013    10,842,823    15.69 - 17.47    180,595,781      
   Markets Sub-Account        2012    12,318,466    13.71 - 14.91    177,780,410      
                              2011    13,161,956    12.01 - 12.74    165,018,207      
                              2010    10,620,691    12.48 - 13.10    137,171,845      
                              2009     7,198,911    10.47 - 10.88     77,383,467      

MIST Lord Abbett Bond         2013     9,341,018     9.99 - 32.33    259,294,487      
   Debenture Sub-Account      2012    10,178,078     9.36 - 30.15    266,010,291      
                              2011    10,848,076     8.39 - 26.88    255,107,548      
                              2010    11,708,304     8.12 - 25.87    267,920,695      
                              2009    11,953,991     7.27 - 23.06    245,913,998      

MIST Met/Eaton Vance          2013     7,519,969    10.76 - 11.18     83,115,837      
   Floating Rate Sub-Account  2012     5,007,151    10.61 - 10.91     54,197,004      
   (Commenced 5/3/2010)       2011     4,263,176    10.13 - 10.30     43,696,769      
                              2010     1,600,145    10.16 - 10.23     16,334,315      

MIST Met/Franklin Low         2013    14,050,793     9.78 - 10.16    140,307,146      
   Duration Total Return      2012     4,349,231     9.92 - 10.14     43,609,944      
   Sub-Account                2011     2,835,514      9.70 - 9.78     27,661,832      
   (Commenced 5/2/2011)                                                               


                                              FOR THE YEAR ENDED DECEMBER 31          
                                    --------------------------------------------------
                                    INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3) 
                                       INCOME          LOWEST TO         LOWEST TO    
                                      RATIO (%)       HIGHEST (%)       HIGHEST (%)   
                                    -------------  ----------------  -----------------
                                                                                      
MIST Invesco Comstock         2013       1.07        0.90 - 2.35         32.25 - 34.18
   Sub-Account                2012       1.22        0.90 - 2.35          5.55 - 17.40
                              2011       1.09        0.95 - 2.35       (3.76) - (2.39)
                              2010       1.45        0.95 - 2.35         12.19 - 13.80
                              2009       1.11        0.95 - 2.35         23.63 - 30.57

MIST Invesco Mid Cap Value    2013       0.74        0.90 - 2.35         27.28 - 29.14
   Sub-Account                2012       0.40        0.90 - 2.35          2.26 - 13.21
                              2011       0.51        1.30 - 2.35       (5.93) - (4.94)
                              2010       0.55        1.30 - 2.35         22.62 - 23.91
                              2009       1.74        1.30 - 2.35         23.59 - 24.90

MIST Invesco Small Cap        2013       0.23        0.89 - 2.35         36.92 - 39.29
   Growth Sub-Account         2012         --        0.89 - 2.35         15.47 - 17.45
                              2011         --        0.89 - 2.35       (3.37) - (1.73)
                              2010         --        0.89 - 2.35         23.26 - 25.35
                              2009         --        0.89 - 2.35         30.70 - 33.03

MIST JPMorgan Core Bond       2013       0.28        1.30 - 2.35       (5.04) - (4.05)
   Sub-Account                2012       2.57        1.30 - 2.35           2.47 - 3.55
                              2011       2.09        1.30 - 2.35           3.34 - 4.42
                              2010       1.64        1.30 - 2.35           3.63 - 4.73
                              2009         --        1.30 - 2.35          9.52 - 10.67

MIST JPMorgan Global Active   2013       0.08        0.90 - 2.35           8.41 - 9.99
   Allocation Sub-Account     2012       0.73        0.90 - 2.35           3.02 - 4.03
   (Commenced 4/30/2012)                                                              

MIST JPMorgan Small Cap       2013       0.69        0.90 - 2.30         30.22 - 31.71
   Value Sub-Account          2012       0.84        0.90 - 2.30          2.73 - 13.98
                              2011       1.69        1.20 - 2.30     (12.17) - (11.43)
                              2010       0.82        1.20 - 2.30         16.82 - 17.83
                              2009       0.88        1.20 - 2.30         26.15 - 27.24

MIST Loomis Sayles Global     2013       2.41        0.95 - 2.35         14.41 - 16.02
   Markets Sub-Account        2012       2.32        1.10 - 2.35          2.75 - 15.41
                              2011       2.32        1.30 - 2.35       (3.77) - (2.75)
                              2010       2.99        1.30 - 2.35         19.18 - 20.43
                              2009       1.95        1.30 - 2.35         37.54 - 39.00

MIST Lord Abbett Bond         2013       6.62        0.89 - 2.35           5.47 - 7.21
   Debenture Sub-Account      2012       7.20        0.89 - 2.35          5.77 - 12.18
                              2011       5.92        0.89 - 2.35           2.04 - 3.90
                              2010       6.21        0.89 - 2.35         10.34 - 12.18
                              2009       7.17        0.89 - 2.35         33.60 - 35.91

MIST Met/Eaton Vance          2013       3.38        1.30 - 2.35           1.42 - 2.50
   Floating Rate Sub-Account  2012       3.39        1.30 - 2.35           4.83 - 5.94
   (Commenced 5/3/2010)       2011       1.99        1.30 - 2.30         (0.31) - 0.69
                              2010         --        1.30 - 2.30           1.64 - 2.31

MIST Met/Franklin Low         2013       1.07        0.90 - 2.35         (1.19) - 0.25
   Duration Total Return      2012       1.91        0.90 - 2.20           1.17 - 3.15
   Sub-Account                2011         --        1.20 - 2.35       (2.83) - (2.08)
   (Commenced 5/2/2011)                                                               

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                  
                                    ----------------------------------------------    
                                                      UNIT VALUE                      
                                                       LOWEST TO          NET         
                                         UNITS        HIGHEST ($)     ASSETS ($)      
                                     ------------  ---------------  --------------    
                                                                                      
MIST Met/Templeton            2013      3,905,329    13.00 - 13.53      52,286,139    
   International Bond         2012      4,238,395    13.19 - 13.56      57,001,253    
   Sub-Account                2011      4,276,073    11.74 - 12.02      51,093,268    
   (Commenced 5/4/2009)       2010      2,982,596    12.04 - 12.22      36,302,425    
                              2009        775,327    10.84 - 10.90       8,438,524    

MIST MetLife Aggressive       2013     42,451,280    14.53 - 16.59     659,971,504    
   Strategy Sub-Account       2012     44,655,767    11.48 - 12.93     545,044,070    
                              2011     49,390,389    10.07 - 10.98     524,691,864    
                              2010     45,689,702    10.94 - 11.78     522,967,837    
                              2009     41,343,573     9.62 - 10.23     412,402,731    

MIST MetLife Balanced Plus    2013    547,096,627    11.51 - 11.96   6,454,726,976    
   Sub-Account                2012    438,994,467    10.30 - 10.55   4,593,209,415    
   (Commenced 5/2/2011)       2011    257,076,022      9.33 - 9.40   2,411,774,661    

MIST MetLife Balanced         2013    519,201,421    14.02 - 16.02   7,812,083,177    
   Strategy Sub-Account       2012    550,560,779    12.02 - 13.53   7,045,806,333    
                              2011    592,824,603    10.80 - 11.77   6,764,659,086    
                              2010    546,381,907    11.25 - 12.12   6,437,293,439    
                              2009    458,932,798    10.14 - 10.79   4,832,135,577    

MIST MetLife Defensive        2013    140,580,521    13.08 - 14.94   1,972,799,136    
   Strategy Sub-Account       2012    178,585,503    12.28 - 13.82   2,332,865,728    
                              2011    186,262,512    11.33 - 12.48   2,228,739,665    
                              2010    167,912,074    11.40 - 12.39   2,003,850,499    
                              2009    134,240,318    10.52 - 11.28   1,466,386,791    

MIST MetLife Growth           2013    434,876,747    14.54 - 16.61   6,767,059,518    
   Strategy Sub-Account       2012    407,576,342    11.83 - 13.31   5,115,649,012    
                              2011    446,977,194    10.46 - 11.40   4,926,470,881    
                              2010    473,161,406    11.14 - 12.00   5,512,372,206    
                              2009    490,302,032     9.88 - 10.51   5,026,063,304    

MIST MetLife Moderate         2013    247,107,077    13.70 - 15.64   3,631,779,008    
   Strategy Sub-Account       2012    266,549,696    12.27 - 13.82   3,483,723,904    
                              2011    281,377,647    11.18 - 12.19   3,324,311,655    
                              2010    257,780,425    11.46 - 12.34   3,094,289,659    
                              2009    201,975,022    10.44 - 11.11   2,188,428,006    

MIST MetLife Multi-Index      2013    153,950,143     1.12 - 11.26     209,957,052    
   Targeted Risk Sub-Account  2012     11,094,386             1.01      11,247,979    
   (Commenced 11/12/2012)                                                             

MIST MFS Emerging Markets     2013     41,623,177    10.29 - 12.45     456,076,892    
   Equity Sub-Account         2012     38,352,212    11.09 - 13.41     448,693,258    
                              2011     37,004,554     9.55 - 11.54     369,675,163    
                              2010     29,287,659    12.03 - 14.53     365,169,255    
                              2009     18,534,256     9.96 - 12.02     189,762,080    

MIST MFS Research             2013     19,616,483    15.39 - 18.44     331,488,461    
   International Sub-Account  2012     21,667,563    13.21 - 15.60     311,615,422    
                              2011     22,841,018    11.58 - 13.42     285,814,827    
                              2010     22,399,698    13.27 - 15.17     318,521,626    
                              2009     21,694,779    12.19 - 13.75     281,155,296    


                                              FOR THE YEAR ENDED DECEMBER 31          
                                    --------------------------------------------------
                                    INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                       INCOME          LOWEST TO          LOWEST TO   
                                      RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                    -------------  ----------------  -----------------
                                                                                      
MIST Met/Templeton            2013       2.02        1.30 - 2.15       (1.11) - (0.27)
   International Bond         2012      10.26        1.30 - 2.05         11.96 - 12.80
   Sub-Account                2011       6.86        1.30 - 2.20       (2.49) - (1.61)
   (Commenced 5/4/2009)       2010       0.51        1.30 - 2.20         11.07 - 12.08
                              2009         --        1.30 - 2.20           8.40 - 9.00

MIST MetLife Aggressive       2013       0.75        0.90 - 2.35         26.50 - 28.35
   Strategy Sub-Account       2012       0.64        0.90 - 2.35          2.91 - 15.40
                              2011       1.10        1.15 - 2.35       (7.96) - (6.85)
                              2010       1.18        1.15 - 2.35         13.80 - 15.17
                              2009         --        1.15 - 2.35         29.56 - 31.13

MIST MetLife Balanced Plus    2013       1.19        0.90 - 2.35         11.71 - 13.34
   Sub-Account                2012         --        0.90 - 2.35          4.67 - 11.81
   (Commenced 5/2/2011)       2011       0.27        1.15 - 2.25       (6.68) - (6.00)

MIST MetLife Balanced         2013       2.01        0.90 - 2.35         16.65 - 18.35
   Strategy Sub-Account       2012       2.15        0.90 - 2.35          3.72 - 12.62
                              2011       1.58        1.15 - 2.35       (3.98) - (2.82)
                              2010       2.05        1.15 - 2.35         10.96 - 12.28
                              2009         --        1.15 - 2.35         25.35 - 26.87

MIST MetLife Defensive        2013       3.03        0.90 - 2.35           6.55 - 8.10
   Strategy Sub-Account       2012       2.83        0.90 - 2.35           3.87 - 9.80
                              2011       2.22        1.00 - 2.35         (0.59) - 0.76
                              2010       3.05        1.00 - 2.35           8.32 - 9.80
                              2009       2.86        1.00 - 2.35         14.50 - 21.50

MIST MetLife Growth           2013       1.40        0.90 - 2.35         22.99 - 24.79
   Strategy Sub-Account       2012       1.66        0.90 - 2.35          3.45 - 14.39
                              2011       1.54        1.15 - 2.35       (6.10) - (4.98)
                              2010       1.71        1.15 - 2.35         12.81 - 14.17
                              2009         --        1.15 - 2.35         27.08 - 28.61

MIST MetLife Moderate         2013       2.38        0.90 - 2.35         11.57 - 13.20
   Strategy Sub-Account       2012       2.66        0.90 - 2.35          3.72 - 11.10
                              2011       1.83        1.15 - 2.35       (2.43) - (1.26)
                              2010       2.46        1.15 - 2.35          9.79 - 11.12
                              2009       3.18        1.15 - 2.35         23.16 - 24.65

MIST MetLife Multi-Index      2013       0.55        1.15 - 2.25          4.04 - 11.65
   Targeted Risk Sub-Account  2012         --        1.15 - 2.00           2.56 - 2.68
   (Commenced 11/12/2012)                                                             

MIST MFS Emerging Markets     2013       1.07        0.90 - 2.35       (7.19) - (5.83)
   Equity Sub-Account         2012       0.75        0.90 - 2.35          3.96 - 17.77
                              2011       1.39        0.95 - 2.35     (20.59) - (19.48)
                              2010       0.97        0.95 - 2.35         20.79 - 22.49
                              2009       1.45        0.95 - 2.35         65.01 - 67.34

MIST MFS Research             2013       2.58        0.90 - 2.35         16.49 - 18.19
   International Sub-Account  2012       1.89        0.90 - 2.35          6.35 - 15.60
                              2011       1.88        0.95 - 2.35     (12.79) - (11.56)
                              2010       1.70        0.95 - 2.35          8.83 - 10.35
                              2009       3.12        0.95 - 2.35         28.50 - 30.32

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                   
                                     ---------------------------------------------     
                                                     UNIT VALUE                        
                                                      LOWEST TO           NET          
                                         UNITS       HIGHEST ($)      ASSETS ($)       
                                     ------------  ---------------  --------------     
                                                                                       
MIST Morgan Stanley Mid Cap    2013    13,099,903     2.79 - 24.94     244,579,234     
   Growth Sub-Account          2012    12,225,316     2.03 - 18.06     166,100,095     
                               2011     8,735,505     1.88 - 16.63     109,412,403     
                               2010     6,606,286     2.04 - 17.98      89,015,672     
                               2009     5,166,934     9.84 - 11.09      54,290,087     

MIST Oppenheimer Global        2013     3,127,720    21.72 - 27.49      78,398,573     
   Equity Sub-Account          2012       500,711    18.48 - 21.83       9,983,469     
                               2011       559,531    15.55 - 17.64       9,330,001     
                               2010       608,969    17.31 - 19.88      11,272,119     
                               2009       672,213    15.23 - 17.32      10,903,654     

MIST PIMCO Inflation           2013    57,648,505    13.13 - 15.33     821,456,089     
   Protected Bond Sub-Account  2012    64,013,091    14.82 - 17.05   1,021,039,296     
                               2011    63,087,877    13.90 - 15.36     936,595,819     
                               2010    52,467,468    12.81 - 13.99     711,162,874     
                               2009    37,506,865    12.17 - 13.14     478,661,744     

MIST PIMCO Total Return        2013   118,419,838    12.03 - 19.16   1,993,786,948     
   Sub-Account                 2012   128,302,689    12.42 - 19.67   2,234,370,461     
                               2011   132,311,947    11.50 - 18.11   2,140,758,433     
                               2010   111,149,390    11.27 - 17.67   1,761,602,464     
                               2009    71,654,403    10.54 - 16.44   1,055,450,302     

MIST Pioneer Fund              2013    12,432,551     2.58 - 28.13     297,755,670     
   Sub-Account                 2012    11,331,680     9.91 - 21.33     220,043,655     
                               2011     9,480,402     9.11 - 19.29     168,467,083     
                               2010     5,977,317    16.24 - 20.40     112,914,666     
                               2009     3,239,380    14.30 - 17.72      53,308,711     

MIST Pioneer Strategic         2013    41,450,021     2.53 - 31.43     919,328,857     
   Income Sub-Account          2012    29,638,373    13.34 - 31.23     804,777,040     
                               2011    24,444,162    12.25 - 27.99     600,261,549     
                               2010    17,115,149    12.17 - 27.26     419,601,867     
                               2009    10,957,582    11.11 - 24.54     251,000,578     

MIST Pyramis Government        2013    69,488,361    10.04 - 10.44     715,739,557     
   Income Sub-Account          2012    88,599,553    10.77 - 11.03     968,887,238     
   (Commenced 5/2/2011)        2011    45,618,019    10.69 - 10.77     490,473,351     

MIST Pyramis Managed           2013     7,294,047    10.69 - 10.77      78,417,229     
   Risk Sub-Account                                                                    
   (Commenced 4/29/2013)                                                               

MIST Schroders Global          2013   375,261,358      1.14 - 1.17     435,205,689     
   Multi-Asset Sub-Account     2012   179,641,654      1.06 - 1.07     191,885,161     
   (Commenced 4/30/2012)                                                               

MIST SSgA Growth and Income    2013   110,435,377    13.34 - 15.03   1,578,178,677     
   ETF Sub-Account             2012   118,446,237    12.09 - 13.24   1,521,502,479     
                               2011   120,297,977    10.97 - 11.83   1,390,741,062     
                               2010    85,827,962    11.20 - 11.84     995,772,752     
                               2009    29,942,630    10.20 - 10.67     314,125,011     


                                                FOR THE YEAR ENDED DECEMBER 31         
                                     --------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                        INCOME          LOWEST TO          LOWEST TO   
                                       RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                     -------------  ----------------  -----------------
                                                                                       
MIST Morgan Stanley Mid Cap    2013       0.60        0.89 - 2.30         35.86 - 38.07
   Growth Sub-Account          2012         --        0.89 - 2.30         (4.93) - 8.58
                               2011       0.56        0.89 - 2.30       (9.04) - (7.49)
                               2010       0.01        0.89 - 2.30         17.15 - 30.84
                               2009         --        0.95 - 2.30         53.69 - 55.79

MIST Oppenheimer Global        2013       0.35        0.90 - 2.30         24.22 - 25.97
   Equity Sub-Account          2012       1.40        0.90 - 1.95          8.80 - 19.84
                               2011       1.79        0.95 - 1.95      (10.17) - (9.41)
                               2010       1.34        0.95 - 1.95         13.69 - 14.83
                               2009       2.29        0.95 - 1.95         37.10 - 38.48

MIST PIMCO Inflation           2013       2.20        0.90 - 2.35     (11.38) - (10.09)
   Protected Bond Sub-Account  2012       3.02        0.90 - 2.35           4.22 - 7.82
                               2011       1.62        1.20 - 2.35           8.56 - 9.82
                               2010       2.23        1.20 - 2.35           5.26 - 6.48
                               2009       3.18        1.20 - 2.35         15.31 - 16.64

MIST PIMCO Total Return        2013       4.27        0.89 - 2.35       (4.19) - (2.59)
   Sub-Account                 2012       3.13        0.89 - 2.35           4.10 - 8.58
                               2011       2.62        0.89 - 2.35         (0.31) - 2.51
                               2010       3.20        0.89 - 2.35           5.65 - 7.45
                               2009       6.39        0.89 - 2.35         15.29 - 17.35

MIST Pioneer Fund              2013       3.15        0.90 - 2.30          9.33 - 31.88
   Sub-Account                 2012       1.45        0.90 - 2.30           0.85 - 9.54
                               2011       1.11        0.95 - 2.30      (11.94) - (5.45)
                               2010       0.78        0.95 - 2.30         13.47 - 15.12
                               2009       1.52        0.95 - 2.30         21.07 - 27.31

MIST Pioneer Strategic         2013       4.82        0.90 - 2.35         (0.94) - 1.21
   Income Sub-Account          2012       4.73        0.90 - 2.35          6.09 - 10.56
                               2011       4.36        0.95 - 2.35           1.06 - 2.65
                               2010       4.58        0.95 - 2.20          5.21 - 11.12
                               2009       4.72        0.95 - 2.15         23.08 - 31.83

MIST Pyramis Government        2013       1.55        0.90 - 2.35       (6.74) - (5.37)
   Income Sub-Account          2012       0.02        0.90 - 2.35           0.74 - 1.96
   (Commenced 5/2/2011)        2011       0.89        1.15 - 2.25           6.96 - 7.75

MIST Pyramis Managed           2013       1.65        1.15 - 2.25           4.66 - 5.43
   Risk Sub-Account                                                                    
   (Commenced 4/29/2013)                                                               

MIST Schroders Global          2013       0.01        0.90 - 2.35           7.55 - 9.12
   Multi-Asset Sub-Account     2012       1.49        0.90 - 2.35           5.01 - 6.03
   (Commenced 4/30/2012)                                                               

MIST SSgA Growth and Income    2013       2.51        0.90 - 2.35         10.31 - 11.92
   ETF Sub-Account             2012       2.40        1.10 - 2.35          4.01 - 11.55
                               2011       1.70        1.15 - 2.35       (1.29) - (0.09)
                               2010       1.05        1.15 - 2.20          9.80 - 10.96
                               2009       0.78        1.15 - 2.20         22.17 - 23.97

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                  AS OF DECEMBER 31                  
                                   ----------------------------------------------    
                                                    UNIT VALUE                       
                                                     LOWEST TO           NET         
                                       UNITS        HIGHEST ($)      ASSETS ($)      
                                   ------------  ----------------  --------------    
                                                                                     
MIST SSgA Growth ETF         2013    35,919,224     13.27 - 14.96     509,607,858    
   Sub-Account               2012    36,733,044     11.51 - 12.55     448,167,959    
                             2011    37,984,453     10.24 - 11.04     409,132,829    
                             2010    29,136,066     10.71 - 11.41     325,453,346    
                             2009    16,443,398      9.67 - 10.11     163,291,494    

MIST T. Rowe Price Large     2013    11,320,980    38.18 - 128.69     657,944,319    
   Cap Value Sub-Account     2012    12,231,249     28.88 - 96.83     536,790,380    
                             2011    13,446,503     24.76 - 82.60     507,039,092    
                             2010    14,212,118     26.09 - 86.60     558,423,606    
                             2009    14,942,501     22.55 - 74.47     502,483,411    

MIST T. Rowe Price Mid Cap   2013    37,965,912     13.67 - 15.54     568,882,747    
   Growth Sub-Account        2012    41,941,697     10.24 - 11.53     467,536,275    
                             2011    44,089,511      9.22 - 10.28     439,146,325    
                             2010    40,356,445      9.67 - 10.58     414,850,131    
                             2009    31,597,201       7.75 - 8.40     258,174,943    

MIST Third Avenue Small Cap  2013    13,992,716     21.87 - 26.40     330,701,962    
   Value Sub-Account         2012    15,859,523     16.91 - 20.06     287,540,317    
                             2011    18,611,699     14.67 - 17.11     290,532,427    
                             2010    18,793,984     16.49 - 18.91     327,520,477    
                             2009    17,777,766     14.06 - 15.88     262,479,306    

MSF Baillie Gifford          2013    29,549,817      4.51 - 15.12     303,453,047    
   International Stock       2012       219,106      3.96 - 13.35       2,585,607    
   Sub-Account               2011       282,028      3.36 - 11.37       2,803,543    
                             2010       318,412      4.26 - 14.47       3,979,701    
                             2009       337,655      4.02 - 13.77       3,955,132    

MSF Barclays Aggregate       2013    13,536,937      1.71 - 18.22     162,571,849    
   Bond Index Sub-Account    2012    10,756,748      1.78 - 18.82     151,553,766    
                             2011     8,083,366      1.73 - 18.28     130,173,979    
                             2010     5,646,137     14.02 - 17.15      86,674,964    
                             2009     2,010,364     13.73 - 16.32      29,893,966    

MSF BlackRock Bond Income    2013     1,054,348     44.86 - 72.01      57,251,907    
   Sub-Account               2012     1,045,629     46.32 - 73.22      57,888,933    
                             2011       953,075     44.15 - 68.69      49,538,985    
                             2010       952,834     42.45 - 65.04      47,336,145    
                             2009       911,026     40.15 - 60.57      42,636,576    

MSF BlackRock Capital        2013       721,215     15.83 - 48.60      15,272,342    
   Appreciation Sub-Account  2012       745,728     12.04 - 36.54      11,831,610    
                             2011       814,200     10.75 - 32.23      11,348,650    
                             2010       601,185     12.06 - 35.71       9,563,155    
                             2009       612,808     10.28 - 30.07       8,419,085    

MSF BlackRock Large Cap      2013       225,190     16.80 - 17.73       3,792,926    
   Value Sub-Account         2012       230,438     12.89 - 13.54       2,977,532    
                             2011       252,494     11.44 - 11.96       2,890,664    
                             2010       253,453     11.33 - 11.79       2,872,585    
                             2009       264,703     10.51 - 10.89       2,783,413    


                                             FOR THE YEAR ENDED DECEMBER 31          
                                   --------------------------------------------------
                                   INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                      INCOME          LOWEST TO          LOWEST TO   
                                     RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                   -------------  ----------------  -----------------
                                                                                     
MIST SSgA Growth ETF         2013       2.10        0.90 - 2.35         15.33 - 17.01
   Sub-Account               2012       1.96        1.15 - 2.35          4.38 - 13.71
                             2011       1.56        1.15 - 2.35       (4.40) - (3.24)
                             2010       1.35        1.15 - 2.35         11.50 - 12.85
                             2009       0.93        1.15 - 2.20         26.29 - 28.66

MIST T. Rowe Price Large     2013       1.58        0.89 - 2.35         30.67 - 32.90
   Cap Value Sub-Account     2012       1.50        0.89 - 2.35          6.92 - 17.22
                             2011       0.70        0.89 - 2.35       (6.24) - (4.62)
                             2010       1.11        0.89 - 2.35         14.30 - 16.29
                             2009       2.30        0.89 - 2.35         15.64 - 17.62

MIST T. Rowe Price Mid Cap   2013       0.21        1.30 - 2.35         33.41 - 34.82
   Growth Sub-Account        2012         --        1.30 - 2.35         11.03 - 12.21
                             2011         --        1.30 - 2.35       (3.93) - (2.92)
                             2010         --        1.30 - 2.35         24.72 - 26.05
                             2009         --        1.30 - 2.35         42.11 - 43.59

MIST Third Avenue Small Cap  2013       0.99        0.89 - 2.35         29.37 - 31.64
   Value Sub-Account         2012         --        0.89 - 2.35         15.23 - 17.22
                             2011       1.10        0.89 - 2.35      (11.09) - (9.50)
                             2010       1.17        0.89 - 2.35         17.11 - 19.08
                             2009       1.15        0.89 - 2.35         23.51 - 25.70

MSF Baillie Gifford          2013       0.02        1.30 - 2.25          9.68 - 13.94
   International Stock       2012       1.14        1.40 - 1.90         17.11 - 17.85
   Sub-Account               2011       1.60        1.40 - 1.90     (21.63) - (20.99)
                             2010       1.41        1.40 - 1.90           4.85 - 5.74
                             2009       0.42        1.40 - 1.90         19.59 - 20.44

MSF Barclays Aggregate       2013       3.23        0.89 - 2.25       (4.74) - (3.19)
   Bond Index Sub-Account    2012       3.45        0.89 - 2.25           1.27 - 2.98
                             2011       3.22        0.89 - 2.25           4.77 - 6.56
                             2010       2.64        0.89 - 2.25           3.30 - 5.11
                             2009       3.64        0.89 - 2.15           2.27 - 4.24

MSF BlackRock Bond Income    2013       3.83        0.89 - 2.30       (3.17) - (1.65)
   Sub-Account               2012       2.54        0.89 - 2.30           3.74 - 6.59
                             2011       3.84        0.89 - 2.30           4.00 - 5.62
                             2010       3.77        0.89 - 2.30           5.72 - 7.38
                             2009       6.49        0.89 - 2.30           6.81 - 8.50

MSF BlackRock Capital        2013       0.79        0.89 - 2.30         31.17 - 33.03
   Appreciation Sub-Account  2012       0.32        0.89 - 2.30        (0.88) - 13.35
                             2011       0.17        0.89 - 2.30      (11.01) - (9.75)
                             2010       0.22        0.89 - 2.30         17.10 - 18.76
                             2009       0.15        0.89 - 2.30         28.77 - 35.57

MSF BlackRock Large Cap      2013       1.38        0.89 - 1.35         30.28 - 30.88
   Value Sub-Account         2012       1.61        0.89 - 1.35         12.74 - 13.27
                             2011       1.16        0.89 - 1.35           0.97 - 1.44
                             2010       1.09        0.89 - 1.35           7.75 - 8.26
                             2009       1.58        0.89 - 1.35          9.73 - 10.22

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                    AS OF DECEMBER 31                   
                                      --------------------------------------------      
                                                      UNIT VALUE                        
                                                       LOWEST TO          NET           
                                          UNITS       HIGHEST ($)     ASSETS ($)        
                                      ------------  ---------------  -------------      
                                                                                        
MSF BlackRock Money Market      2013    44,329,198     2.36 - 25.88    461,342,890      
   Sub-Account                  2012    53,484,009     9.33 - 25.53    569,109,901      
                                2011    59,067,302     9.55 - 25.84    633,625,012      
                                2010    51,015,018     9.77 - 26.15    553,885,805      
                                2009    54,211,009     9.99 - 26.46    576,532,284      

MSF Davis Venture Value         2013    36,209,587    16.00 - 52.55    658,561,438      
   Sub-Account                  2012    41,401,029    12.26 - 39.65    572,327,325      
                                2011    48,368,185    11.12 - 35.45    599,153,697      
                                2010    46,415,423    11.87 - 37.27    606,785,200      
                                2009    41,123,511    10.86 - 33.58    487,864,492      

MSF Frontier Mid Cap            2013     4,767,721    16.33 - 18.08     83,651,163      
   Growth Sub-Account                                                                   
   (Commenced 4/29/2013)                                                                

MSF Jennison Growth             2013    32,574,197     3.93 - 19.82    585,624,219      
   Sub-Account                  2012    35,125,323     2.91 - 14.55    468,764,846      
                                2011    20,877,221     2.55 - 12.29    248,172,110      
                                2010    20,230,170     2.57 - 12.42    243,817,657      
                                2009    17,375,446     2.33 - 11.31    190,651,501      

MSF Loomis Sayles Small Cap     2013       283,327    46.30 - 57.49     14,610,773      
   Core Sub-Account             2012       330,015    33.68 - 41.36     12,332,225      
                                2011       310,374    30.16 - 36.63     10,317,247      
                                2010       214,307    30.76 - 36.95      7,224,075      
                                2009        73,444    25.33 - 29.40      1,990,671      

MSF Loomis Sayles Small Cap     2013        12,506    17.15 - 18.50        226,802      
   Growth Sub-Account           2012         3,306    11.73 - 12.58         40,927      
   (Commenced 4/30/2012)                                                                

MSF Met/Artisan Mid Cap         2013    13,125,790    19.41 - 55.03    285,771,010      
   Value Sub-Account            2012    13,419,571    14.54 - 40.57    217,257,576      
                                2011    14,599,235    13.33 - 36.59    215,514,020      
                                2010    15,163,945    12.80 - 34.58    213,857,206      
                                2009    15,659,935    11.41 - 30.33    195,923,686      

MSF Met/Dimensional             2013     3,208,551    19.88 - 21.38     66,162,419      
   International Small Company  2012     3,203,412    15.91 - 16.90     52,618,293      
   Sub-Account                  2011     3,336,605    13.82 - 14.29     47,225,164      
                                2010     2,082,274    16.89 - 17.28     35,750,236      
                                2009     1,225,665    14.11 - 14.28     17,436,960      

MSF MetLife Conservative        2013       557,035    12.93 - 13.63      7,497,408      
   Allocation Sub-Account       2012       735,694    12.67 - 13.27      9,655,026      
                                2011       850,770    11.86 - 12.35     10,395,348      
                                2010       830,223    11.74 - 12.15      9,998,191      
                                2009       967,744    10.85 - 11.21     10,771,428      

MSF MetLife Conservative to     2013       550,896    13.60 - 14.27      7,732,376      
   Moderate Allocation          2012       588,986    12.52 - 13.07      7,576,787      
   Sub-Account                  2011       608,383    11.48 - 11.91      7,143,945      
                                2010       782,775    11.60 - 11.97      9,257,856      
                                2009       836,071    10.62 - 10.90      9,016,185      


                                                FOR THE YEAR ENDED DECEMBER 31          
                                      --------------------------------------------------
                                      INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3) 
                                         INCOME          LOWEST TO         LOWEST TO    
                                        RATIO (%)       HIGHEST (%)       HIGHEST (%)   
                                      -------------  ----------------  -----------------
                                                                                        
MSF BlackRock Money Market      2013         --        0.90 - 2.35       (2.32) - (0.37)
   Sub-Account                  2012         --        0.95 - 2.35       (2.34) - (0.74)
                                2011         --        0.95 - 2.35       (2.32) - (0.94)
                                2010         --        0.95 - 2.35       (2.32) - (0.64)
                                2009       0.25        1.00 - 2.35       (2.07) - (0.48)

MSF Davis Venture Value         2013       1.27        0.89 - 2.35         30.43 - 32.52
   Sub-Account                  2012       0.72        0.89 - 2.35          1.16 - 11.86
                                2011       1.01        0.89 - 2.35      (11.86) - (4.88)
                                2010       0.87        0.89 - 2.35          9.22 - 11.01
                                2009       1.37        0.89 - 2.35         28.77 - 30.82

MSF Frontier Mid Cap            2013         --        1.30 - 2.35         19.21 - 20.07
   Growth Sub-Account                                                                   
   (Commenced 4/29/2013)                                                                

MSF Jennison Growth             2013       0.20        0.90 - 2.35         33.56 - 35.51
   Sub-Account                  2012       0.01        0.95 - 2.35        (4.12) - 14.17
                                2011       0.06        1.30 - 2.35       (2.11) - (0.86)
                                2010       0.38        1.30 - 2.35          8.74 - 10.07
                                2009         --        1.30 - 2.35         36.32 - 38.02

MSF Loomis Sayles Small Cap     2013       0.23        1.20 - 2.30         37.49 - 39.01
   Core Sub-Account             2012         --        1.20 - 2.30         11.66 - 12.90
                                2011         --        1.20 - 2.30       (1.94) - (0.86)
                                2010         --        1.20 - 2.30         24.32 - 25.69
                                2009         --        1.20 - 2.15         27.16 - 28.38

MSF Loomis Sayles Small Cap     2013         --        0.90 - 1.50         46.17 - 47.05
   Growth Sub-Account           2012         --        0.90 - 1.50       (1.28) - (0.88)
   (Commenced 4/30/2012)                                                                

MSF Met/Artisan Mid Cap         2013       0.77        0.89 - 2.35         33.34 - 35.64
   Value Sub-Account            2012       0.80        0.89 - 2.35          8.98 - 10.87
                                2011       0.79        0.89 - 2.35           4.02 - 5.81
                                2010       0.59        0.89 - 2.35         12.09 - 14.02
                                2009       0.84        0.89 - 2.35         37.92 - 40.31

MSF Met/Dimensional             2013       1.72        0.90 - 2.30         24.70 - 26.46
   International Small Company  2012       2.19        0.90 - 2.35          3.91 - 16.37
   Sub-Account                  2011       1.94        1.30 - 2.35     (18.19) - (17.33)
                                2010       1.30        1.30 - 2.35         19.74 - 21.01
                                2009         --        1.30 - 2.35         39.40 - 40.87

MSF MetLife Conservative        2013       3.04        1.55 - 2.15           2.07 - 2.68
   Allocation Sub-Account       2012       3.27        1.55 - 2.15           6.85 - 7.49
                                2011       2.37        1.55 - 2.15           1.06 - 1.66
                                2010       4.06        1.55 - 2.15           7.71 - 8.36
                                2009       3.20        1.55 - 2.25         17.85 - 18.68

MSF MetLife Conservative to     2013       2.53        1.55 - 2.10           8.62 - 9.22
   Moderate Allocation          2012       2.95        1.55 - 2.10           9.13 - 9.74
   Sub-Account                  2011       2.14        1.55 - 2.10       (1.04) - (0.50)
                                2010       3.38        1.55 - 2.10           9.21 - 9.81
                                2009       3.07        1.55 - 2.10         21.11 - 21.78

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                               AS OF DECEMBER 31                          FOR THE YEAR ENDED DECEMBER 31          
                                 ---------------------------------------------  --------------------------------------------------
                                                  UNIT VALUE                    INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                                   LOWEST TO          NET          INCOME          LOWEST TO          LOWEST TO   
                                     UNITS        HIGHEST ($)     ASSETS ($)      RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                 ------------  ---------------  --------------  -------------  ----------------  -----------------
                                                                                                                                  
MSF MetLife Mid Cap Stock  2013     5,501,359     2.64 - 28.20     125,884,078       1.00        0.89 - 2.35         29.67 - 31.97
   Index Sub-Account       2012     4,914,049     2.01 - 21.37      88,989,701       0.82        0.89 - 2.35         14.53 - 16.55
                           2011     4,708,991     1.73 - 18.33      77,805,929       0.70        0.89 - 2.35       (4.50) - (2.76)
                           2010     3,443,301    15.77 - 18.85      59,472,935       0.76        0.89 - 2.20         23.19 - 25.17
                           2009     1,692,693    12.86 - 15.06      23,983,061       1.55        0.89 - 2.15         28.41 - 35.78

MSF MetLife Moderate       2013     3,073,122    13.90 - 14.77      44,655,421       2.00        1.55 - 2.25         15.36 - 16.17
   Allocation Sub-Account  2012     3,326,548    12.05 - 12.71      41,689,448       2.39        1.55 - 2.25         10.71 - 11.49
                           2011     3,930,913    10.88 - 11.40      44,282,730       1.52        1.55 - 2.25       (3.55) - (2.89)
                           2010     4,192,524    11.28 - 11.74      48,715,861       2.53        1.55 - 2.25         10.65 - 11.44
                           2009     4,293,013    10.20 - 10.54      44,856,785       2.96        1.55 - 2.25         23.72 - 24.58

MSF MetLife Moderate to    2013     3,927,901    14.05 - 14.80      57,260,787       1.46        1.55 - 2.15         21.67 - 22.40
   Aggressive Allocation   2012     4,335,356    11.55 - 12.09      51,720,857       1.91        1.55 - 2.15         12.92 - 13.60
   Sub-Account             2011     4,632,179    10.23 - 10.65      48,721,974       1.43        1.55 - 2.15       (5.81) - (5.25)
                           2010     5,194,016    10.86 - 11.24      57,766,976       2.14        1.55 - 2.15         12.25 - 12.94
                           2009     5,328,120      9.67 - 9.95      52,562,753       2.53        1.55 - 2.15         26.35 - 27.11

MSF MetLife Stock Index    2013    28,624,388     6.28 - 69.33     561,274,487       1.68        0.89 - 2.90         28.14 - 30.85
   Sub-Account             2012    29,109,224     4.82 - 52.98     446,759,028       1.55        0.89 - 2.90         12.30 - 14.73
                           2011    25,347,914     4.22 - 46.18     355,993,780       1.55        0.89 - 2.90         (1.15) - 0.94
                           2010    23,801,960    11.03 - 45.76     343,187,076       1.63        0.89 - 2.90         11.41 - 13.81
                           2009    21,150,594     9.85 - 40.20     281,243,641       2.10        0.89 - 2.90         23.01 - 26.75

MSF MFS Total Return       2013       814,124    46.24 - 71.07      46,044,412       2.31        0.89 - 2.30         16.06 - 17.94
   Sub-Account             2012       730,405    41.41 - 60.26      35,344,618       2.78        0.89 - 2.15          2.75 - 10.59
                           2011       826,212    38.00 - 54.49      36,390,818       2.68        0.89 - 2.15           0.04 - 1.51
                           2010       929,202    37.99 - 53.68      40,676,709       2.91        0.89 - 2.15           7.53 - 9.10
                           2009     1,006,138    35.33 - 49.20      40,772,224       4.14        0.89 - 2.15         15.84 - 17.55

MSF MFS Value Sub-Account  2013    12,139,878    12.05 - 23.85     260,473,964       0.55        0.89 - 2.35         17.10 - 34.53
                           2012     3,025,966    14.12 - 17.78      48,275,261       1.94        0.89 - 2.30          3.00 - 15.61
                           2011     3,145,406    12.27 - 14.81      43,754,913       1.57        0.89 - 2.30       (1.43) - (0.04)
                           2010     3,234,649    12.33 - 14.90      45,430,281       1.32        0.89 - 2.30          8.89 - 10.44
                           2009     2,664,361    11.22 - 13.56      33,984,060         --        0.89 - 2.30         18.08 - 19.75

MSF MSCI EAFE Index        2013     8,809,646     1.61 - 17.40     112,197,169       2.89        0.89 - 2.25         18.74 - 20.78
   Sub-Account             2012     7,172,234     1.34 - 14.41      81,404,548       2.89        0.89 - 2.15         15.42 - 17.27
                           2011     6,390,970     1.15 - 12.29      69,159,210       2.23        0.89 - 2.15     (14.50) - (13.28)
                           2010     4,636,491    11.54 - 14.17      58,834,689       2.24        0.89 - 2.15           5.47 - 7.24
                           2009     2,230,107    10.94 - 13.21      27,098,496       3.30        0.89 - 2.15         26.95 - 35.25

MSF Neuberger Berman       2013     8,020,175    18.58 - 27.70     172,247,460       0.10        0.89 - 2.35         24.94 - 37.30
   Genesis Sub-Account     2012       626,194    16.44 - 20.18      11,798,908       0.34        0.89 - 2.30           7.25 - 9.05
                           2011       647,811    15.96 - 18.50      11,266,993       0.73        0.89 - 1.95         (7.38) - 4.87
                           2010       578,563    16.81 - 17.64       9,730,049       0.51        0.89 - 1.35         19.95 - 20.50
                           2009       605,787    14.02 - 14.64       8,493,213       1.10        0.89 - 1.35         11.63 - 12.15

MSF Russell 2000 Index     2013     5,835,501     2.74 - 29.98     141,070,458       1.29        0.89 - 2.35         34.91 - 37.33
   Sub-Account             2012     5,078,788     2.01 - 21.83      91,750,975       0.88        0.89 - 2.35         13.24 - 15.31
                           2011     3,926,223     1.75 - 18.93      64,081,468       0.84        0.89 - 2.35       (6.46) - (4.95)
                           2010     2,703,578     7.11 - 19.92      46,792,763       0.77        0.89 - 2.35         23.61 - 25.79
                           2009     1,108,328     5.68 - 15.83      15,337,009       1.65        0.89 - 2.20         24.25 - 26.62

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                     AS OF DECEMBER 31                   
                                       ---------------------------------------------     
                                                        UNIT VALUE                       
                                                         LOWEST TO          NET          
                                           UNITS        HIGHEST ($)     ASSETS ($)       
                                       ------------  ---------------  --------------     
                                                                                         
MSF T. Rowe Price Large          2013    14,688,080     8.03 - 53.41     151,930,071     
   Growth Sub-Account            2012        39,346    35.99 - 39.07       1,501,612     
                                 2011        44,809    30.91 - 33.42       1,465,621     
                                 2010        40,496    31.93 - 34.38       1,365,647     
                                 2009        39,614    27.87 - 29.90       1,161,818     

MSF T. Rowe Price Small Cap      2013       356,919    25.98 - 35.74      10,522,813     
   Growth Sub-Account            2012       380,162    18.41 - 24.95       7,808,995     
                                 2011       417,381    16.23 - 21.67       7,500,142     
                                 2010       465,332    16.01 - 21.48       8,285,648     
                                 2009       481,022    12.16 - 16.06       6,406,764     

MSF Van Eck Global Natural       2013     6,278,667    16.43 - 17.17     106,449,499     
   Resources Sub-Account         2012     7,200,491    15.15 - 15.70     111,896,983     
   (Commenced 5/4/2009)          2011     6,910,683    15.07 - 15.51     106,332,935     
                                 2010     3,967,225    18.49 - 18.86      74,371,723     
                                 2009     1,195,095    14.65 - 14.80      17,635,926     

MSF Western Asset                2013    16,417,493    14.93 - 19.52     291,870,388     
   Management U.S. Government    2012    17,244,875    15.42 - 19.89     313,310,285     
   Sub-Account                   2011    16,038,241    15.32 - 19.49     285,529,978     
                                 2010    12,558,586    14.90 - 18.69     214,907,918     
                                 2009     8,573,371    14.46 - 17.89     140,925,866     

Neuberger Berman Genesis         2013           474            23.21          10,991     
   Sub-Account                   2012           474            17.11           8,101     
                                 2011           474            15.72           7,443     
                                 2010           571            15.16           8,663     
                                 2009           697            12.60           8,785     

Oppenheimer VA Core Bond         2013         1,493             5.79           8,646     
   Sub-Account                   2012         1,541             5.88           9,058     
                                 2011         1,878             5.41          10,150     
                                 2010         1,952             5.06           9,885     
                                 2009        12,533             4.61          57,756     

Oppenheimer VA Global            2013           443            10.15           4,492     
   Strategic Income Sub-Account  2012           443            10.30           4,562     
                                 2011           443             9.20           4,075     
                                 2010           443             9.25           4,097     
                                 2009         1,786             8.16          14,575     

Oppenheimer VA Main Street       2013        14,316             7.27         104,039     
   Sub-Account                   2012        14,959             5.59          83,663     
                                 2011        22,109             4.85         107,300     
                                 2010        24,227             4.92         119,249     
                                 2009        28,105             4.30         120,826     

Oppenheimer VA Main Street       2013     4,655,290    16.15 - 27.82     123,045,407     
   Small Cap Sub-Account         2012     5,041,901    11.62 - 19.97      96,092,155     
                                 2011     4,964,464     9.98 - 17.13      81,494,321     
                                 2010     4,127,208    10.35 - 17.72      70,331,777     
                                 2009     3,126,840     8.51 - 14.54      43,881,910     


                                                 FOR THE YEAR ENDED DECEMBER 31          
                                       --------------------------------------------------
                                       INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                          INCOME          LOWEST TO          LOWEST TO   
                                         RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                       -------------  ----------------  -----------------
                                                                                         
MSF T. Rowe Price Large          2013         --        0.89 - 2.35         26.10 - 37.93
   Growth Sub-Account            2012         --        1.50 - 1.90         16.43 - 16.90
                                 2011         --        1.50 - 1.90       (3.19) - (2.80)
                                 2010       0.07        1.50 - 1.90         14.55 - 15.01
                                 2009       0.32        1.50 - 1.90         40.35 - 40.91

MSF T. Rowe Price Small Cap      2013       0.22        0.89 - 2.15         41.11 - 43.27
   Growth Sub-Account            2012         --        0.89 - 2.15         13.43 - 15.14
                                 2011         --        0.89 - 2.15         (0.70) - 0.87
                                 2010         --        0.89 - 2.30         31.60 - 33.71
                                 2009       0.12        0.89 - 2.30         35.49 - 37.73

MSF Van Eck Global Natural       2013       0.66        1.30 - 2.15           8.40 - 9.32
   Resources Sub-Account         2012         --        1.30 - 2.15           0.38 - 1.25
   (Commenced 5/4/2009)          2011       1.10        1.30 - 2.20     (18.49) - (17.75)
                                 2010       0.25        1.30 - 2.20         26.22 - 27.36
                                 2009         --        1.30 - 2.20         35.00 - 35.82

MSF Western Asset                2013       1.95        0.95 - 2.35       (3.21) - (1.84)
   Management U.S. Government    2012       1.85        0.95 - 2.35           0.64 - 2.07
   Sub-Account                   2011       1.20        0.95 - 2.35           2.83 - 4.28
                                 2010       2.24        0.95 - 2.35           3.04 - 4.50
                                 2009       4.06        0.95 - 2.35           1.67 - 3.10

Neuberger Berman Genesis         2013       0.32               0.89                 35.68
   Sub-Account                   2012       0.21               0.89                  8.84
                                 2011       0.84               0.89                  3.67
                                 2010         --               0.89                 20.30
                                 2009         --               0.89                 25.13

Oppenheimer VA Core Bond         2013       5.14               1.40                (1.49)
   Sub-Account                   2012       4.67               1.40                  8.75
                                 2011       5.76               1.40                  6.77
                                 2010       4.81               1.40                  9.87
                                 2009         --               1.40                  8.09

Oppenheimer VA Global            2013       4.99               1.40                (1.52)
   Strategic Income Sub-Account  2012       5.95               1.40                 11.95
                                 2011       3.19               1.40                (0.55)
                                 2010      16.19               1.40                 13.38
                                 2009       0.53               1.40                 17.17

Oppenheimer VA Main Street       2013       1.10               1.40                 29.94
   Sub-Account                   2012       0.86               1.40                 15.24
                                 2011       1.27               1.40                (1.40)
                                 2010       1.11               1.40                 14.49
                                 2009       1.94               1.40                 26.52

Oppenheimer VA Main Street       2013       0.70        0.95 - 1.75         38.19 - 39.29
   Small Cap Sub-Account         2012       0.33        0.95 - 1.75         15.62 - 16.55
                                 2011       0.36        0.95 - 1.75       (4.07) - (3.30)
                                 2010       0.37        0.95 - 1.75         20.92 - 21.90
                                 2009       0.52        0.95 - 1.75         34.52 - 35.58

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                  AS OF DECEMBER 31                  
                                   ---------------------------------------------     
                                                    UNIT VALUE                       
                                                     LOWEST TO          NET          
                                       UNITS        HIGHEST ($)     ASSETS ($)       
                                   ------------  ---------------  --------------     
                                                                                     
Oppenheimer VA Money         2013           723             5.53           4,000     
   Sub-Account               2012        20,150             5.61         112,965     
                             2011        20,177             5.69         114,709     
                             2010        20,177             5.76         116,310     
                             2009        20,177             5.84         117,917     

Pioneer VCT Disciplined      2013       170,657    11.41 - 12.04       2,003,137     
   Value Sub-Account         2012       229,721      9.05 - 9.48       2,136,823     
                             2011       238,409      8.34 - 8.68       2,036,161     
                             2010       243,744      8.83 - 9.11       2,192,843     
                             2009       223,412      8.19 - 8.44       1,867,892     

Pioneer VCT Emerging         2013        46,688    14.71 - 16.31         721,583     
   Markets Sub-Account       2012        49,333    15.34 - 16.87         791,020     
                             2011        48,427    14.01 - 15.29         705,700     
                             2010        62,764    18.70 - 20.26       1,212,537     
                             2009        60,035    16.18 - 17.74       1,020,914     

Pioneer VCT Equity Income    2013        22,692    27.19 - 30.29         637,874     
   Sub-Account               2012        24,722    21.52 - 23.79         548,970     
                             2011        17,862    19.96 - 21.90         371,272     
                             2010        18,868    19.24 - 20.95         375,754     
                             2009        20,833    16.12 - 17.79         354,460     

Pioneer VCT Ibbotson Growth  2013     1,114,977    18.19 - 19.45      20,842,468     
   Allocation Sub-Account    2012     1,199,751    15.56 - 16.51      19,107,227     
                             2011     1,225,572    14.18 - 14.93      17,736,364     
                             2010     1,275,136    14.95 - 15.62      19,386,421     
                             2009     1,257,274    13.28 - 13.78      16,934,322     

Pioneer VCT Ibbotson         2013     1,660,240    17.16 - 18.76      30,201,063     
   Moderation Allocation     2012     1,789,015    15.09 - 16.33      28,441,628     
   Sub-Account               2011     1,795,010    13.82 - 14.81      25,968,930     
                             2010     1,833,743    14.43 - 15.31      27,517,066     
                             2009     1,818,031    12.95 - 13.60      24,317,338     

Pioneer VCT Mid Cap Value    2013     1,719,853    37.64 - 45.45      71,900,042     
   Sub-Account               2012     1,769,793    28.91 - 34.56      56,444,927     
                             2011     1,688,831    26.60 - 31.48      49,145,077     
                             2010     1,493,349    28.81 - 33.76      46,621,818     
                             2009     1,309,529    24.92 - 28.91      35,037,503     

Pioneer VCT Real Estate      2013        11,399    21.20 - 23.46         252,653     
   Shares Sub-Account        2012        10,700    21.29 - 23.38         237,514     
                             2011        12,968    18.70 - 20.38         251,847     
                             2010        12,983    17.38 - 18.80         234,208     
                             2009        16,034    13.78 - 14.80         228,918     

T. Rowe Price Growth Stock   2013        62,571           133.27       8,339,192     
   Sub-Account               2012        66,302            96.60       6,404,585     
                             2011        73,401            81.96       6,015,937     
                             2010        85,875            83.50       7,170,858     
                             2009        97,059            72.05       6,993,261     


                                             FOR THE YEAR ENDED DECEMBER 31          
                                   --------------------------------------------------
                                   INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                      INCOME          LOWEST TO          LOWEST TO   
                                     RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                   -------------  ----------------  -----------------
                                                                                     
Oppenheimer VA Money         2013       0.01               1.40                (1.38)
   Sub-Account               2012       0.01               1.40                (1.39)
                             2011       0.01               1.40                (1.37)
                             2010       0.03               1.40                (1.37)
                             2009       0.35               1.40                (1.07)

Pioneer VCT Disciplined      2013       1.59        1.20 - 1.95         26.11 - 27.06
   Value Sub-Account         2012       0.98        1.20 - 1.95           8.45 - 9.27
                             2011       0.72        1.20 - 1.95       (5.53) - (4.82)
                             2010       0.58        1.20 - 1.95           7.15 - 7.96
                             2009       0.70        1.20 - 2.15         13.26 - 14.34

Pioneer VCT Emerging         2013       0.92        1.20 - 1.95       (4.08) - (3.36)
   Markets Sub-Account       2012       0.21        1.20 - 1.95          9.49 - 10.32
                             2011         --        1.20 - 1.95     (25.09) - (24.53)
                             2010       0.32        1.20 - 1.95         13.38 - 14.23
                             2009       0.63        1.20 - 2.15         70.32 - 71.96

Pioneer VCT Equity Income    2013       2.29        1.20 - 1.95         26.35 - 27.30
   Sub-Account               2012       3.87        1.20 - 1.95           7.83 - 8.65
                             2011       2.00        1.20 - 1.95           3.73 - 4.51
                             2010       2.07        1.20 - 1.95         16.93 - 17.81
                             2009       3.38        1.20 - 2.15         11.47 - 12.53

Pioneer VCT Ibbotson Growth  2013       1.76        1.20 - 1.95         16.95 - 17.83
   Allocation Sub-Account    2012       1.76        1.20 - 1.95          9.72 - 10.55
                             2011       1.94        1.20 - 1.95       (5.14) - (4.42)
                             2010       1.88        1.20 - 1.95         12.55 - 13.39
                             2009       2.87        1.20 - 1.95         30.11 - 31.09

Pioneer VCT Ibbotson         2013       2.31        1.20 - 2.20         13.71 - 14.85
   Moderation Allocation     2012       2.47        1.20 - 2.20          9.14 - 10.25
   Sub-Account               2011       2.49        1.20 - 2.20       (4.21) - (3.25)
                             2010       2.53        1.20 - 2.20         11.44 - 12.56
                             2009       3.10        1.20 - 2.20         28.59 - 29.89

Pioneer VCT Mid Cap Value    2013       0.74        0.95 - 1.95         30.19 - 31.50
   Sub-Account               2012       0.84        0.95 - 1.95           8.67 - 9.77
                             2011       0.64        0.95 - 1.95       (7.66) - (6.73)
                             2010       0.87        0.95 - 1.95         15.62 - 16.78
                             2009       1.29        0.95 - 1.95         22.85 - 24.08

Pioneer VCT Real Estate      2013       2.16        1.20 - 1.95         (0.42) - 0.33
   Shares Sub-Account        2012       2.11        1.20 - 1.95         13.84 - 14.70
                             2011       2.24        1.20 - 1.95           7.64 - 8.45
                             2010       2.42        1.20 - 1.95         26.06 - 27.01
                             2009       4.81        1.20 - 1.95         29.02 - 29.98

T. Rowe Price Growth Stock   2013       0.04               0.89                 37.97
   Sub-Account               2012       0.18               0.89                 17.86
                             2011       0.02               0.89                (1.85)
                             2010       0.06               0.89                 15.89
                             2009       0.21               0.89                 41.98

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONCLUDED)              

8.  FINANCIAL HIGHLIGHTS -- (CONCLUDED)                                         

                                                                [Download Table]

                                                 AS OF DECEMBER 31                  
                                   ---------------------------------------------    
                                                    UNIT VALUE                      
                                                     LOWEST TO          NET         
                                       UNITS        HIGHEST ($)     ASSETS ($)      
                                   ------------  ---------------  --------------    
                                                                                    
T. Rowe Price International  2013        41,360            15.85         655,401    
   Stock Sub-Account         2012        45,736            13.99         639,881    
                             2011        59,337            11.89         705,529    
                             2010        68,117            13.68         932,126    
                             2009        72,797            12.06         877,970    

T. Rowe Price Prime Reserve  2013        31,743            17.59         558,449    
   Sub-Account               2012        40,746            17.75         723,146    
                             2011        54,384            17.91         973,756    
                             2010        70,013            18.06       1,264,618    
                             2009        76,856            18.22       1,400,475    

UIF U.S. Real Estate         2013     2,531,191    27.80 - 60.27     100,974,977    
   Sub-Account               2012     2,343,331    27.76 - 59.62      90,757,950    
                             2011     2,367,197    24.43 - 51.96      76,564,905    
                             2010     2,327,750    23.50 - 49.52      68,963,648    
                             2009     2,542,094    18.43 - 38.47      56,466,102    


                                             FOR THE YEAR ENDED DECEMBER 31         
                                   -------------------------------------------------
                                   INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                      INCOME          LOWEST TO         LOWEST TO   
                                     RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                   -------------  ----------------  ----------------
                                                                                    
T. Rowe Price International  2013       0.97               0.89                13.26
   Stock Sub-Account         2012       1.21               0.89                17.66
                             2011       1.20               0.89              (13.11)
                             2010       1.13               0.89                13.46
                             2009       2.49               0.89                50.86

T. Rowe Price Prime Reserve  2013       0.01               0.89               (0.87)
   Sub-Account               2012       0.01               0.89               (0.88)
                             2011       0.01               0.89               (0.87)
                             2010       0.01               0.89               (0.87)
                             2009       0.22               0.89               (0.70)

UIF U.S. Real Estate         2013       1.09        0.95 - 1.90          0.13 - 1.09
   Sub-Account               2012       0.85        0.95 - 1.90        13.65 - 14.74
                             2011       0.85        0.95 - 1.90          3.93 - 4.92
                             2010       2.15        0.95 - 1.90        27.52 - 28.73
                             2009       3.31        0.95 - 1.90        25.93 - 27.14

1 These amounts represent the dividends, excluding distributions of capital   
  gains, received by the Sub-Account from the underlying portfolio, series, or
fund, 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  
  Sub-Account is affected by the timing of the declaration of dividends by the
underlying fund or portfolio in which the Sub-Account invests. The        
 investment income ratio is calculated as a weighted average ratio since the
Sub-Account may invest in two or more share classes, within the underlying
portfolio, series, or fund of the Trusts which may have unique investment 
income ratios.                                                            

2 These amounts represent annualized contract expenses of each of the         
 applicable Sub-Accounts, 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 portfolio, series, or fund have been excluded.                 

3 These amounts represent the total return for the period indicated, including
changes in the value of the underlying portfolio, series, or fund, 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 Sub-Account.       

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MetLife Insurance Company of Connecticut  
Unaudited Pro Forma Condensed Combined Financial Statements 

In the second quarter of 2013, MetLife, Inc. announced its plans to merge three 
U.S.-based life insurance companies and an offshore reinsurance subsidiary to   
create one larger U.S.-based and U.S.-regulated life insurance company (the     
"Mergers"). The companies to be merged are MetLife Insurance Company of         
Connecticut, MetLife Investors USA Insurance Company ("MLI-USA"), a             
wholly-owned subsidiary of MetLife Insurance Company of Connecticut, and        
MetLife Investors Insurance Company ("MLIIC"), each a U.S. insurance company    
that issues variable annuity products in addition to other products, and Exeter 
Reassurance Company, Ltd. ("Exeter"), a reinsurance company that mainly         
reinsures guarantees associated with variable annuity products. MetLife         
Insurance Company of Connecticut, which is expected to be renamed and domiciled 
in Delaware, will be the surviving company. Exeter, formerly a Cayman Islands   
company, was re-domesticated to Delaware in October 2013. Effective January 1,  
2014, following receipt of New York State Department of Financial Services      
approval, MetLife Insurance Company of Connecticut withdrew its license to      
issue insurance policies and annuity contracts in New York. Also, effective     
January 1, 2014, MetLife Insurance Company of Connecticut reinsured with an     
affiliate all existing New York insurance policies and annuity contracts that   
include a separate account feature. Following the Mergers and subject to        
certain regulatory approvals, MetLife Insurance Company of Connecticut will     
likely enter into transactions to transfer to one or more affiliates certain    
business that is currently reinsured by Exeter. The Mergers are expected to     
occur in the fourth quarter of 2014, subject to regulatory approvals.           

The unaudited pro forma condensed combined financial statements and             
accompanying notes present the impact of the Mergers as a transaction among     
entities under common control which is more fully described in the notes to the 
unaudited pro forma condensed combined financial statements. Transactions among 
entities under common control are prepared in conformity with accounting        
principles generally accepted in the United States of America ("GAAP").         

The unaudited pro forma condensed combined financial statements include         
historical audited amounts as of December 31, 2013 and for the years ended      
December 31, 2013, 2012 and 2011, for MetLife Insurance Company of Connecticut  
and its subsidiaries, including MLI-USA (collectively "MICC"), MLIIC and        
Exeter. The unaudited pro forma condensed combined financial statements give    
effect to the Mergers as if they had occurred (i) on December 31, 2013 for      
purposes of the unaudited pro forma condensed combined balance sheet and        
(ii) on January 1, 2011 for purposes of the unaudited pro forma condensed       
combined statements of operations for the years ended December 31, 2013, 2012   
and 2011. The historical financial information has been adjusted in the         
unaudited pro forma condensed combined financial statements to give effect to   
pro forma events that are directly attributable to the Mergers, factually       
supportable, and are expected to have a continuing impact on the combined       
results. It is likely that the actual adjustments reflected in the final        
accounting, that will consider additional available information, will differ    
from the pro forma adjustments and it is possible the differences may be        
material.                                                                       

The unaudited pro forma condensed combined financial statements should be read  
in conjunction with the accompanying notes. In addition, the unaudited proforma 
condensed combined financial statements were derived from and should be read in 
conjunction with the audited historical consolidated financial statements of    
MICC included in MetLife Insurance Company of Connecticut's Annual Report on    
Form 10-K for the year ended December 31, 2013, as revised by MetLife Insurance 
Company of Connecticut's Current Report on Form 8-K filed on October 27, 2014,  
as well as the audited historical balance sheets of MLIIC as of December 31,    
2013 and 2012, and the related statements of operations, comprehensive income   
(loss), stockholder's equity and cash flows for each of the three years in the  
period ended December 31, 2013 together with the notes thereto and balance      
sheets of Exeter as of December 31, 2013 and 2012, and the related statements   
of operations, comprehensive income (loss), stockholder's equity and cash flows 
for each of the three years in the period ended December 31, 2013 together with 
the notes thereto, as restated on October 27, 2014 and as revised on November   
7, 2014, are included as Exhibits 99.1 and 99.2, respectively, to the Current   
Report on Form 8-K/A ("Amendment No. 2") with which this financial information  
is filed as Exhibit 99.3.                                                       

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The unaudited pro forma condensed combined financial statements are presented   
for informational purposes only and are not intended to reflect the results of  
operations or the financial position of the combined company that would have    
resulted had the Mergers been effective as of and during the periods presented  
or the results that may be obtained by the combined company in the future. The  
unaudited pro forma condensed combined financial statements as of and for the   
periods presented do not reflect future events that are not directly            
attributable to the Mergers and that may occur after the Mergers, including,    
but not limited to, expense efficiencies or revenue enhancements arising from   
the Mergers or management actions. Future results may vary significantly from   
the results reflected in the unaudited pro forma condensed combined financial   
statements.                                                                     

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Unaudited Pro Forma Condensed Combined Balance Sheet  
December 31, 2013 

(In millions, except per share data)  

                                                        [Enlarge/Download Table]

                                                    Historical                                                        
                                          -----------------------------                                               
                                                    MetLife    Exeter                                                 
                                                   Investors Reassurance                                              
                                                   Insurance   Company   Reinsurance    Other                Pro Forma
                                            MICC    Company     Ltd.     Adjustments Adjustments    Notes    Combined 
                                          -------- --------- ----------- ----------- ----------- ----------- ---------
                                                                                                                      
Assets                                                                                                                
Investments:                                                                                                          
 Fixed maturity securities                                                                                            
   available-for-sale, at estimated                                                                                   
   fair value............................ $ 45,252  $ 2,250    $ 1,321     $  (695)    $    --      3(c)     $ 48,128 
 Equity securities available-for-sale,                                                                                
   at estimated fair value...............      418       45         --          --          --                    463 
 Mortgage loans, net; at estimated fair                                                                               
   value.................................    7,718      286         --          --          --                  8,004 
 Policy loans............................    1,219       27         --          --          --                  1,246 
 Real estate and real estate joint                                                                                    
   ventures..............................      754       --         --          --          --                    754 
 Other limited partnership interests.....    2,130       32         --          --          --                  2,162 
 Short-term investments, principally at                                                                               
   estimated fair value..................    2,107       75      2,781          (7)         --      3(c)        4,956 
 Derivative assets.......................       --       --      2,376          --      (2,376)     4(a)           -- 
 Funds withheld at interest..............       --       --      2,694          --      (2,694)     4(a)           -- 
 Other invested assets, principally at                                                            3(a)-(c),           
   estimated fair value..................    2,555       68         --      (2,768)      4,570   4(a), 5(a)     4,425 
                                          --------  -------    -------     -------     -------               -------- 
   Total investments.....................   62,153    2,783      9,172      (3,470)       (500)                70,138 
Cash and cash equivalents, principally                                                                                
 at estimated fair value.................      746       24        630        (604)         --    3(a), (c)       796 
Accrued investment income................      542       26         94         (29)         (2)  3(c), 5(a)       631 
Premiums, reinsurance and other                                                                                       
 receivables.............................   20,609    1,829        646      (3,170)         --    3(a)-(c)     19,914 
Deferred policy acquisition costs and                                                                                 
 value of business acquired..............    4,730      291        160         707          --    3(b), (c)     5,888 
Current income tax recoverable...........      192        9        197          --          --                    398 
Deferred income tax recoverable..........       --       --      1,529          --      (1,529)     4(b)           -- 
Goodwill.................................      493       --         --          --          33      4(c)          526 
Other assets.............................      794      110         --          34         (33)  3(b), 4(c)       905 
Separate account assets..................   97,780   12,033         --          --          --                109,813 
                                          --------  -------    -------     -------     -------               -------- 
   Total assets.......................... $188,039  $17,105    $12,428     $(6,532)    $(2,031)              $209,009 
                                          ========  =======    =======     =======     =======               ======== 
Liabilities and Stockholders' Equity                                                                                  
Liabilities                                                                                                           
Future policy benefits...................                                                        3(b), (c),           
                                          $ 27,991  $   501    $ 2,747     $(1,455)    $    12      4(d)     $ 29,796 
Policyholder account balances............   33,453    2,748      2,489      (1,262)         --      3(c)       37,428 
Other policy-related balances............                                                        3(b), (c),           
                                             3,164      102      2,170      (2,973)          4      4(d)        2,467 
Policyholder dividends payable...........       --       --         16          --         (16)     4(d)           -- 
Payables for collateral under                                                                                         
 securities loaned and other                                                                                          
 transactions............................    6,451      266         --          --         197      4(e)        6,914 
Long-term debt...........................    2,251       --        575          --        (500)     5(a)        2,326 
Deferred income tax liability............    1,385      192         --         272      (1,529)  3(b), 4(b)       320 
Derivative liabilities...................       --       --      2,648          --      (2,648)     4(f)           -- 
                                                                                                  3(a)-(c),           
                                                                                                 4(e), 4(f),          
Other liabilities........................    6,776       94        553      (1,560)      2,449      5(a)        8,312 
Separate account liabilities.............   97,780   12,033         --          --          --                109,813 
                                          --------  -------    -------     -------     -------               -------- 
   Total liabilities.....................  179,251   15,936     11,198      (6,978)     (2,031)               197,376 
                                          --------  -------    -------     -------     -------               -------- 
Stockholders' Equity                                                                                                  
Preferred stock..........................       --       --         --          --          --                     -- 
Common stock, par value $2.50 per share..       86        6         --          --          --                     92 
Additional paid-in capital...............    6,737      636      4,126          --          --                 11,499 
Retained earnings (accumulated deficit)..    1,076      504     (2,965)        506          --      3(b)         (879)
Accumulated other comprehensive income                                                                                
 (loss)..................................      889       23         69         (60)         --      3(c)          921 
                                          --------  -------    -------     -------     -------               -------- 
   Total stockholders' equity............    8,788    1,169      1,230         446          --                 11,633 
                                          --------  -------    -------     -------     -------               -------- 
   Total liabilities and stockholders'                                                                                
    equity............................... $188,039  $17,105    $12,428     $(6,532)    $(2,031)              $209,009 
                                          ========  =======    =======     =======     =======               ======== 

See accompanying notes to unaudited pro forma condensed combined financial  
statements. 

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Unaudited Pro Forma Condensed Combined Statement of Operations  
For the Year End December 31, 2013  

(In millions) 

                                                        [Enlarge/Download Table]

                                               Historical                                                            
                                     -----------------------------                                                   
                                               MetLife    Exeter                                                     
                                              Investors Reassurance                                                  
                                              Insurance   Company   Reinsurance    Other                    Pro Forma
                                       MICC    Company     Ltd.     Adjustments Adjustments      Notes      Combined 
                                     -------  --------- ----------- ----------- ----------- --------------- ---------
                                                                                                                     
Revenues                                                                                                             
Premiums............................ $   606    $  29     $   59       $  (5)      $ --          3(b)        $  689  
Universal life and investment-type                                                                                   
 product policy fees................   2,336      202        587        (177)        --        3(b), (c)      2,948  
Net investment income...............   2,852      114         35         (16)        (2)      3(c), 5(a)      2,983  
Fees on ceded reinsurance and                                                                                        
 other..............................      --       90         --          --        (90)         4(g)            --  
Other revenues......................     592       --          2         (74)        90     3(b), (c), 4(g)     610  
Net investment gains (losses):                                                                                       
  Other-than-temporary impairments                                                                                   
   on fixed maturity securities.....      (9)      --         --          --         --                          (9) 
  Other-than-temporary impairments                                                                                   
   on fixed maturity securities                                                                                      
   transferred to other                                                                                              
   comprehensive income (loss)......     (11)      --         --          --         --                         (11) 
  Other net investment gains                                                                                         
   (losses).........................     102        1        (57)         59        (45)      3(c), 5(b)         60  
                                     -------    -----     ------       -----       ----                      ------  
    Total net investment gains                                                                                       
     (losses).......................      82        1        (57)         59        (45)                         40  
  Net derivative gains (losses).....  (1,052)    (442)     1,935         375         --          3(c)           816  
                                     -------    -----     ------       -----       ----                      ------  
    Total revenues..................   5,416       (6)     2,561         162        (47)                      8,086  
                                     -------    -----     ------       -----       ----                      ------  
Expenses                                                                                                             
Policyholder benefits and claims....   1,707       48      1,380         (44)        27     3(b), (c), 4(h)   3,118  
Interest credited to policyholder                                                                                    
 account balances...................   1,037      113         17         (17)        --          3(c)         1,150  
Policyholder dividends..............      --       --         27          --        (27)         4(h)            --  
Goodwill impairment.................      66       --         --          --         --                          66  
Other expenses......................   1,659      (11)       101         215         (2)    3(b)-(d), 5(a)    1,962  
                                     -------    -----     ------       -----       ----                      ------  
    Total expenses..................   4,469      150      1,525         154         (2)                      6,296  
                                     -------    -----     ------       -----       ----                      ------  
Income (loss) from continuing                                                                                        
 operations before provision for                                                                                     
 income tax.........................     947     (156)     1,036           8        (45)                      1,790  
Provision for income tax expense                                                                                     
 (benefit)..........................     227      (67)       364           3        (16)      3(e), 5(c)        511  
                                     -------    -----     ------       -----       ----                      ------  
Income from continuing operations,                                                                                   
 net of income tax.................. $   720    $ (89)    $  672       $   5       $(29)                     $1,279  
                                     =======    =====     ======       =====       ====                      ======  

See accompanying notes to unaudited pro forma condensed combined financial  
statements. 

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Unaudited Pro Forma Condensed Combined Statement of Operations  
For the Year End December 31, 2012  

(In millions) 

                                                        [Enlarge/Download Table]

                                            Historical                                                           
                                   ----------------------------                                                  
                                            MetLife    Exeter                                                    
                                           Investors Reassurance                                                 
                                           Insurance   Company   Reinsurance    Other                   Pro Forma
                                    MICC    Company     Ltd.     Adjustments Adjustments     Notes      Combined 
                                   ------  --------- ----------- ----------- ----------- -------------- ---------
                                                                                                                 
Revenues                                                                                                         
Premiums.......................... $1,261    $ 11      $   950     $  (888)     $ --        3(b),(c)     $1,334  
Universal life and investment-                                                                                   
  type product policy fees........  2,261     198          548        (183)       --        3(b),(c)      2,824  
Net investment income.............  2,952     113           21          (2)      (26)      3(c), 5(a)     3,058  
Fees on ceded reinsurance and                                                                                    
  other...........................     --      93           --          --       (93)         4(g)           --  
Other revenues....................    511      --           23         (24)       93       3(c), 4(g)       603  
Net investment gains (losses):                                                                                   
 Other-than-temporary                                                                                            
   impairments on fixed                                                                                          
   maturity securities............    (52)     (2)          --          --        --                        (54) 
 Other-than-temporary                                                                                            
   impairments on fixed                                                                                          
   maturity securities                                                                                           
   transferred to other                                                                                          
   comprehensive income                                                                                          
   (loss).........................      3      --           --          --        --                          3  
 Other net investment gains                                                                                      
   (losses).......................    201      (2)          42         (37)       --          3(c)          204  
                                   ------    ----      -------     -------      ----                     ------  
   Total net investment gains                                                                                    
     (losses).....................    152      (4)          42         (37)       --                        153  
 Net derivative gains                                                                                            
   (losses).......................  1,003     329       (3,677)      1,432        --          3(c)         (913) 
                                   ------    ----      -------     -------      ----                     ------  
   Total revenues.................  8,140     740       (2,093)        298       (26)                     7,059  
                                   ------    ----      -------     -------      ----                     ------  
Expenses                                                                                                         
Policyholder benefits and                                                                                        
  claims..........................  2,389     100        1,812      (1,001)       30     3(b),(c), 4(h)   3,330  
Interest credited to policyholder                                                                                
  account balances................  1,147     118           17         (17)       --          3(c)        1,265  
Policyholder dividends............     --      --           30          --       (30)         4(h)           --  
Goodwill impairment...............    394      --           --          --        --                        394  
Other expenses....................  2,720     229          206        (709)      (26)    3(b)-(d), 5(a)   2,420  
                                   ------    ----      -------     -------      ----                     ------  
   Total expenses.................  6,650     447        2,065      (1,727)      (26)                     7,409  
                                   ------    ----      -------     -------      ----                     ------  
Income (loss) from continuing                                                                                    
  operations before provision                                                                                    
  for income tax..................  1,490     293       (4,158)      2,025        --                       (350) 
Provision for income tax                                                                                         
  expense (benefit)...............    372      94       (1,455)        709        --       3(e), 5(c)      (280) 
                                   ------    ----      -------     -------      ----                     ------  
Income (loss) from continuing                                                                                    
  operations, net of income                                                                                      
  tax............................. $1,118    $199      $(2,703)    $ 1,316      $ --                     $  (70) 
                                   ======    ====      =======     =======      ====                     ======  

See accompanying notes to unaudited pro forma condensed combined financial  
statements. 

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Unaudited Pro Forma Condensed Combined Statement of Operations  
For the Year End December 31, 2011  

(In millions) 

                                                        [Enlarge/Download Table]

                                             Historical                                                           
                                    ----------------------------                                                  
                                             MetLife    Exeter                                                    
                                            Investors Reassurance                                                 
                                            Insurance   Company   Reinsurance    Other                   Pro Forma
                                     MICC    Company     Ltd.     Adjustments Adjustments     Notes      Combined 
                                    ------  --------- ----------- ----------- ----------- -------------- ---------
                                                                                                                  
Revenues                                                                                                          
Premiums........................... $1,828    $  7       $ 72        $  (9)      $  --         3(b)       $1,898  
Universal life and investment-type                                                                                
  product policy fees..............  1,956     204        433         (136)         --       3(b),(c)      2,457  
Net investment income..............  3,074     114         17            3          (9)     3(c), 5(a)     3,199  
Fees on ceded reinsurance and                                                                                     
  other............................     --     104         --           --        (104)        4(g)           --  
Other revenues.....................    508      --         44          (55)        104    3(b),(c), 4(g)     601  
Net investment gains (losses):                                                                                    
 Other-than-temporary                                                                                             
   impairments on fixed maturity                                                                                  
   securities......................    (42)     --         --           --          --                       (42) 
 Other-than-temporary                                                                                             
   impairments on fixed maturity                                                                                  
   securities transferred to other                                                                                
   comprehensive income                                                                                           
   (loss)..........................     (5)     --         --           --          --                        (5) 
 Other net investment gains                                                                                       
   (losses)........................     82      (5)        (1)          --          --                        76  
                                    ------    ----       ----        -----       -----                    ------  
   Total net investment gains                                                                                     
     (losses)......................     35      (5)        (1)          --          --                        29  
 Net derivative gains (losses).....  1,096     326        230         (787)         --         3(c)          865  
                                    ------    ----       ----        -----       -----                    ------  
   Total revenues..................  8,497     750        795         (984)         (9)                    9,049  
                                    ------    ----       ----        -----       -----                    ------  
Expenses                                                                                                          
Policyholder benefits and claims...  2,660      59        309          (88)         31    3(b),(c), 4(h)   2,971  
Interest credited to policyholder                                                                                 
  account balances.................  1,189     127         16          (16)         --         3(c)        1,316  
Policyholder dividends.............     --      --         31           --         (31)        4(h)           --  
Other expenses.....................  2,981     259        170         (101)         (9)   3(b)-(d), 5(a)   3,300  
                                    ------    ----       ----        -----       -----                    ------  
   Total expenses..................  6,830     445        526         (205)         (9)                    7,587  
                                    ------    ----       ----        -----       -----                    ------  
Income (loss) from continuing                                                                                     
  operations before provision for                                                                                 
  income tax.......................  1,667     305        269         (779)         --                     1,462  
Provision for income tax expense                                                                                  
  (benefit)........................    493      90         94         (272)         --      3(e), 5(c)       405  
                                    ------    ----       ----        -----       -----                    ------  
Income (loss) from continuing                                                                                     
  operations, net of income tax.... $1,174    $215       $175        $(507)      $  --                    $1,057  
                                    ======    ====       ====        =====       =====                    ======  

See accompanying notes to unaudited pro forma condensed combined financial  
statements. 

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

NOTES TO THE UNAUDITED PRO FORMA  
CONDENSED COMBINED FINANCIAL STATEMENTS 

1. Description of Transaction                                                   

In the second quarter of 2013, MetLife, Inc. announced its plans to merge three 
U.S.-based life insurance companies and an offshore reinsurance subsidiary to   
create one larger U.S.-based and U.S.-regulated life insurance company (the     
"Mergers"). The companies to be merged are MetLife Insurance Company of         
Connecticut, MetLife Investors USA Insurance Company ("MLI-USA"), a             
wholly-owned subsidiary of MetLife Insurance Company of Connecticut, and        
MetLife Investors Insurance Company ("MLIIC"), each a U.S. insurance company    
that issues variable annuity products in addition to other products, and Exeter 
Reassurance Company, Ltd. ("Exeter"), a reinsurance company that mainly         
reinsures guarantees associated with variable annuity products. MetLife         
Insurance Company of Connecticut, which is expected to be renamed and domiciled 
in Delaware, will be the surviving company. Exeter, formerly a Cayman Islands   
company, was re-domesticated to Delaware in October 2013. Effective January 1,  
2014, following receipt of New York State Department of Financial Services      
approval, MetLife Insurance Company of Connecticut withdrew its license to      
issue insurance policies and annuity contracts in New York. Also, effective     
January 1, 2014, MetLife Insurance Company of Connecticut reinsured with an     
affiliate all existing New York insurance policies and annuity contracts that   
include a separate account feature. Following the Mergers and subject to        
certain regulatory approvals, MetLife Insurance Company of Connecticut will     
likely enter into transactions to transfer to one or more affiliates certain    
business that is currently reinsured by Exeter. The Mergers are expected to     
occur in the fourth quarter of 2014, subject to regulatory approvals.           

2. Basis of Presentation                                                        

The Mergers represent a transaction among entities under common control.        
Transactions among entities under common control are accounted for as if the    
transaction occurred at the beginning of the earliest date presented and prior  
years are retrospectively adjusted to furnish comparative information similar   
to the pooling method. The unaudited pro forma condensed combined financial     
statements include historical amounts derived from the audited financial        
statements as of December 31, 2013 and for the years ended December 31, 2013,   
2012 and 2011, for MetLife Insurance Company of Connecticut and its             
subsidiaries, including MLI-USA (collectively "MICC"), MLIIC and Exeter. The    
unaudited pro forma condensed combined financial statements give effect to the  
Mergers as if they had occurred (i) on December 31, 2013 for purposes of the    
unaudited pro forma condensed combined balance sheet and (ii) on January 1,     
2011 for purposes of the unaudited pro forma condensed combined statements of   
operations for the years ended December 31, 2013, 2012 and 2011.                

The unaudited pro forma condensed combined financial statements were prepared   
in conformity with accounting principles generally accepted in the United       
States of America ("GAAP") and presented in accordance with the requirements of 
Article 11 of Regulation S-X published by the U.S. Securities and Exchange      
Commission. In accordance with Article 11 of Regulation S-X, discontinued       
operations have been excluded from the presentation of the unaudited pro forma  
condensed combined statements of operations.                                    

The historical financial information has been adjusted in the unaudited pro     
forma condensed combined financial statements to give effect to pro forma       
events that are directly attributable to the Mergers, factually supportable,    
and are expected to have a continuing impact on the combined results. The       
unaudited pro forma condensed combined financial statements exclude the effects 
of adjustments that rely on highly judgmental estimates including how           
historical management practices and operating decisions may or may not have     
changed as a result of the Mergers.                                             

The unaudited pro forma condensed combined financial statements are presented   
for informational purposes only and are not intended to reflect the results of  
operations or the financial position of the combined company that               

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

NOTES TO THE UNAUDITED PRO FORMA  
CONDENSED COMBINED FINANCIAL STATEMENTS -- (CONTINUED)  

would have resulted had the Mergers been effective during the periods presented 
or the results that may be obtained by the combined company in the future.      

These unaudited pro forma condensed combined financial statements should be     
read in conjunction with the audited historical consolidated financial          
statements of MICC included in MetLife Insurance Company of Connecticut's       
Annual Report on Form 10-K for the year ended December 31, 2013, as revised by  
MetLife Insurance Company of Connecticut's Current Report on Form 8-K filed on  
October 27, 2014, as well as the audited historical balance sheets of MLIIC as  
of December 31, 2013 and 2012, and the related statements of operations,        
comprehensive income (loss), stockholder's equity and cash flows for each of    
the three years in the period ended December 31, 2013 together with the notes   
thereto and balance sheets of Exeter as of December 31, 2013 and 2012, and the  
related statements of operations, comprehensive income (loss), stockholder's    
equity and cash flows for each of the three years in the period ended December  
31, 2013 together with the notes thereto, as restated on October 27, 2014 and   
as revised on November 7, 2014, are included as Exhibits 99.1 and 99.2,         
respectively, to the Current Report on Form 8-K/A ("Amendment No. 2") with      
which this financial information is filed as Exhibit 99.3.                      

3. Reinsurance Adjustments                                                      

In connection with the Mergers, adjustments have been included for new and      
planned reinsurance agreements, for the recapture of certain reinsurance        
agreements and to eliminate non-recurring bank fees. The total of the           
reinsurance adjustments at December 31, 2013 resulted in changes to total       
assets of ($6,532) million, total liabilities of ($6,978) million, and total    
stockholders' equity of $446 million and for the years ended December 31, 2013, 
2012 and 2011 resulted in changes to total revenues of $162 million, $298       
million and ($984) million, respectively, and to total expenses of $154         
million, ($1,727) million, and ($205) million, respectively.                    

   (a)Adjustment to increase total assets and total liabilities by $97 million
to record a new reinsurance agreement. Effective January 1, 2014, 
  MetLife Insurance Company of Connecticut reinsured with Metropolitan
   Life Insurance Company, an affiliate, all existing New York insurance
policies and annuity contracts that include a separate account    
   feature. The new reinsurance agreement was entered into in connection
      with MetLife Insurance Company of Connecticut withdrawing its license to
issue insurance policies and annuity contracts in New York.       
(b)Adjustment to eliminate reinsurance transactions among the merging   
 companies. The adjustments at December 31, 2013 include: changes of
     ($4,045) million to total assets, ($4,551) million to total liabilities
  and $506 million to retained earnings. The adjustments for the years
 ended December 31, 2013, 2012 and 2011 include: reductions to total
      revenue of $73 million, $0 and $12 million, respectively, and changes to
other expenses of $208 million, ($690) million and ($61) million, 
respectively.                                                     
(c)Adjustment to reflect planned reinsurance transactions to transfer to
    one or more affiliates certain business that is currently reinsured by
 Exeter. The adjustments at December 31, 2013 include: reductions of
     $2,584 million to total assets, $2,524 million to total liabilities and
$60 million to accumulated other comprehensive income (loss). The 
adjustments for the years ended December 31, 2013, 2012 and 2011  
 include: changes to total revenue of $235 million, $298 million and
   ($972) million, respectively, and reductions to other expenses of $37
million, $1,018 million and $119 million, respectively.           
(d)Adjustment to eliminate from other expenses non-recurring credit     
facility usage fees for letters of credit, which were held to     
   collateralize assumed liabilities and which were canceled when Exeter
      re-domesticated to Delaware of $17 million, $19 million and $25 million,
 for the years ended December 31, 2013, 2012 and 2011, respectively.
  (e)Adjustment for the income tax impact for all reinsurance adjustments at
the federal statutory tax rate of 35%.                            

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

NOTES TO THE UNAUDITED PRO FORMA  
CONDENSED COMBINED FINANCIAL STATEMENTS -- (CONTINUED)  

4. Reclassification Adjustments                                                 

Reclassification adjustments, included in other adjustments, are reflected      
herein to conform the presentation of Exeter's and MLIIC's financial statements 
to the presentation of MICC's financial statements.                             

 (a)Adjustment to reclassify derivative assets of $2,376 million and funds
withheld at interest of $2,694 million to other invested assets.  
   (b)Adjustment to net deferred income tax recoverable of $1,529 million with
deferred income tax liability.                                    
(c)Adjustment to reclassify goodwill of $33 million from other assets to
goodwill.                                                         
 (d)Adjustment to reclassify policyholder dividends payable of $12 million
and $4 million to future policy benefits and other policy-related 
balances, respectively.                                           
   (e)Adjustment to reclassify cash collateral on deposit of $197 million from
      other liabilities to payables for collateral under securities loaned and
other transactions.                                               
(f)Adjustment to reclassify derivative liabilities of $2,648 million to 
other liabilities.                                                
(g)Adjustment to reclassify fees on ceded reinsurance and other of      
 $90 million, $93 million and $104 million to other revenues for the
years ended December 31, 2013, 2012 and 2011, respectively.       
(h)Adjustment to reclassify policyholder dividends of $27 million, $30  
 million and $31 million to policyholder benefits and claims for the
years ended December 31, 2013, 2012 and 2011, respectively.       

5. Other Adjustments                                                            

The following other pro forma adjustments have been recorded in the unaudited   
pro forma condensed combined financial statements.                              

(a)Adjustments to eliminate related party debt transactions among the   
merging entities. The adjustments at December 31, 2013 include:   
reductions of $2 million to accrued investment income and other   
     liabilities and reductions of $500 million to other invested assets and
   long-term debt. The adjustments for the year ended December 31, 2013,
 2012 and 2011 include: reductions of $2 million, $26 million and $9
 million, respectively, to net investment income and other expenses.
(b)Adjustment to eliminate related party investment gains for the year  
ended December 31, 2013. The non-recurring gains were recorded in 
     connection with establishing a custodial account when MetLife Insurance
     Company of Connecticut withdrew its license to issue insurance policies
and annuity contracts in New York.                                
(c)Adjustment for the income tax impact for all other adjustments at the
federal statutory tax rate of 35%.                                

6. Forward Looking Statements                                                   

These unaudited pro forma condensed combined financial statements may be deemed 
to be forward looking statements within the meaning of the safe harbor          
provisions of the United States Private Securities Litigation Reform Act of     
1995. Forward looking statements are identified by words such as "anticipate,"  
"estimate," "expect," "project," "intend," "plan," "believe" and other words    
and terms of similar meaning, or are tied to future periods, in connection with 
a discussion of future operating or financial performance. Such statements may  
include, but are not limited to statements about the benefits of the Mergers,   
including future financial and operating results, the combined company's plans, 
objectives, expectations and intentions and other statements that are not       
historical facts. These forward looking statements are based largely on         
management's expectations and are subject to a number of risks and              
uncertainties. Actual results could differ materially from these forward        
looking statements.                                                             

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

NOTES TO THE UNAUDITED PRO FORMA  
CONDENSED COMBINED FINANCIAL STATEMENTS -- (CONTINUED)  

7. Subsequent Event                                                             

On February 14, 2014, a subsidiary of MetLife Insurance Company of Connecticut  
entered into a definitive agreement to sell its wholly-owned subsidiary,        
MetLife Assurance Limited ("MAL"). Beginning in the first quarter of 2014, MICC 
will account for and report MAL as discontinued operations. These unaudited pro 
forma condensed combined financial statements exclude the impact of the MAL     
disposition as the transaction does not meet the significant subsidiary         
conditions of Article 11 of Regulation S-X and is not directly attributable to  
the Mergers. The transaction is expected to close in the second quarter of      
2014, subject to regulatory approvals and satisfaction of other closing         
conditions.                                                                     

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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, 2013 and 2012 and for the Years Ended December 31, 2013, 2012      
  and 2011:                                                                                             
 Consolidated Balance Sheets.......................................................................   3 
 Consolidated Statements of Operations.............................................................   4 
 Consolidated Statements of Comprehensive Income (Loss)............................................   5 
 Consolidated Statements of Stockholders' 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.................................................................  29 
     Note 3 -- Dispositions........................................................................  35 
     Note 4 -- Insurance...........................................................................  36 
     Note 5 -- Deferred Policy Acquisition Costs, Value of Business Acquired and Other Policy-          
       Related Intangibles.........................................................................  42 
     Note 6 -- Reinsurance.........................................................................  46 
     Note 7 -- Investments.........................................................................  53 
     Note 8 -- Derivatives.........................................................................  76 
     Note 9 -- Fair Value..........................................................................  88 
     Note 10 -- Goodwill........................................................................... 114 
     Note 11 -- Debt............................................................................... 116 
     Note 12 -- Equity............................................................................. 117 
     Note 13 -- Other Expenses..................................................................... 122 
     Note 14 -- Income Tax......................................................................... 123 
     Note 15 -- Contingencies, Commitments and Guarantees.......................................... 126 
     Note 16 -- Related Party Transactions......................................................... 130 
     Note 17 -- Subsequent Events.................................................................. 130 
Financial Statement Schedules at December 31, 2013 and 2012 and for the Years Ended December 31,        
  2013, 2012 and 2011:                                                                                  
 Schedule I -- Consolidated Summary of Investments -- Other Than Investments in Related Parties.... 132 
 Schedule II -- Condensed Financial Information (Parent Company Only).............................. 133 
 Schedule III -- Consolidated Supplementary Insurance Information.................................. 137 
 Schedule IV -- Consolidated Reinsurance........................................................... 139 

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 

To the Board of Directors and Stockholders of                                   
MetLife Insurance Company of Connecticut:                                       

We have audited the accompanying consolidated balance sheets of MetLife         
Insurance Company of Connecticut and subsidiaries (the "Company") as of         
December 31, 2013 and 2012, and the related consolidated statements of          
operations, comprehensive income (loss), stockholders' equity, and cash flows   
for each of the three years in the period ended December 31, 2013. Our audits   
also included the financial statement schedules listed in the Index to          
Consolidated Financial Statements, Notes and Schedules. These consolidated      
financial statements and financial statement schedules are the responsibility   
of the Company's management. Our responsibility is to express an opinion on the 
consolidated financial statements and financial statement schedules based on    
our audits.                                                                     

We conducted our audits in accordance with the standards of the Public Company  
Accounting Oversight Board (United States). 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. The        
Company is not required to have, nor were we engaged to perform, an audit of    
its internal control over financial reporting. Our audits included              
consideration of internal control over financial reporting as a basis for       
designing audit procedures that are appropriate in the circumstances, 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. An audit also includes examining, on a test basis, evidence supporting 
the amounts and disclosures in the consolidated financial statements, assessing 
the accounting principles used and significant estimates made by management, as 
well as evaluating the overall financial statement presentation. We believe     
that our audits provide a reasonable basis for our opinion.                     

In our opinion, such consolidated financial statements present fairly, in all   
material respects, the financial position of MetLife Insurance Company of       
Connecticut and subsidiaries as of December 31, 2013 and 2012, and the results  
of their operations and their cash flows for each of the three years in the     
period ended December 31, 2013, in conformity with accounting principles        
generally accepted in the United States of America. Also, in our opinion, such  
financial statement schedules, when considered in relation to the basic         
consolidated financial statements taken as a whole, present fairly, in all      
material respects, the information set forth therein.                           

/s/ DELOITTE & TOUCHE LLP                                                       

New York, New York                                                              
March 28, 2014                                                                  
(October 27, 2014 as to Note 17)                                                

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Balance Sheets 
December 31, 2013 and 2012  

(In millions, except share and per share data)  

                                                        [Enlarge/Download Table]

                                                                                            2013        2012    
                                                                                         ----------- -----------
                                                                                                                
Assets                                                                                                          
Investments:                                                                                                    
 Fixed maturity securities available-for-sale, at estimated fair value (amortized cost:                         
   $43,477 and $46,005, respectively)................................................... $    45,252 $    50,968
 Equity securities available-for-sale, at estimated fair value (cost: $397 and $311,                            
   respectively)........................................................................         418         317
 Mortgage loans (net of valuation allowances of $34 and $35, respectively; includes                             
   $1,598 and $2,666, respectively, at estimated fair value, relating to variable                               
   interest entities)...................................................................       7,718       9,157
 Policy loans...........................................................................       1,219       1,216
 Real estate and real estate joint ventures.............................................         754         708
 Other limited partnership interests....................................................       2,130       1,848
 Short-term investments, principally at estimated fair value............................       2,107       2,576
 Other invested assets, principally at estimated fair value.............................       2,555       2,970
                                                                                         ----------- -----------
   Total investments....................................................................      62,153      69,760
Cash and cash equivalents, principally at estimated fair value..........................         746         895
Accrued investment income (includes $9 and $13, respectively, relating to variable                              
  interest entities)....................................................................         542         575
Premiums, reinsurance and other receivables.............................................      20,609      21,927
Deferred policy acquisition costs and value of business acquired........................       4,730       3,746
Current income tax recoverable..........................................................         192         135
Goodwill................................................................................         493         559
Other assets............................................................................         794         826
Separate account assets.................................................................      97,780      86,114
                                                                                         ----------- -----------
   Total assets......................................................................... $   188,039 $   184,537
                                                                                         =========== ===========
Liabilities and Stockholders' Equity                                                                            
Liabilities                                                                                                     
Future policy benefits.................................................................. $    27,991 $    27,583
Policyholder account balances...........................................................      33,453      36,976
Other policy-related balances...........................................................       3,164       3,138
Payables for collateral under securities loaned and other transactions..................       6,451       8,399
Long-term debt (includes $1,461 and $2,559, respectively, at estimated fair value,                              
  relating to variable interest entities)...............................................       2,251       3,350
Deferred income tax liability...........................................................       1,385       1,870
Other liabilities (includes $7 and $13, respectively, relating to variable interest                             
  entities).............................................................................       6,776       6,547
Separate account liabilities............................................................      97,780      86,114
                                                                                         ----------- -----------
   Total liabilities....................................................................     179,251     173,977
                                                                                         ----------- -----------
Contingencies, Commitments and Guarantees (Note 15)                                                             
Stockholders' Equity                                                                                            
Common stock, par value $2.50 per share; 40,000,000 shares authorized; 34,595,317                               
  shares issued and outstanding at December 31, 2013 and 2012...........................          86          86
Additional paid-in capital..............................................................       6,737       6,718
Retained earnings.......................................................................       1,076       1,356
Accumulated other comprehensive income (loss)...........................................         889       2,400
                                                                                         ----------- -----------
   Total stockholders' equity...........................................................       8,788      10,560
                                                                                         ----------- -----------
   Total liabilities and stockholders' equity........................................... $   188,039 $   184,537
                                                                                         =========== ===========

See accompanying notes to the consolidated financial statements.  

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Operations 
For the Years Ended December 31, 2013, 2012 and 2011  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                        2013      2012      2011   
                                                                      --------- --------- ---------
                                                                                                   
Revenues                                                                                           
Premiums............................................................. $     606 $   1,261 $   1,828
Universal life and investment-type product policy fees...............     2,336     2,261     1,956
Net investment income................................................     2,852     2,952     3,074
Other revenues.......................................................       592       511       508
Net investment gains (losses):                                                                     
 Other-than-temporary impairments on fixed maturity securities.......       (9)      (52)      (42)
 Other-than-temporary impairments on fixed maturity securities                                     
   transferred to other comprehensive income (loss)..................      (11)         3       (5)
 Other net investment gains (losses).................................       102       201        82
                                                                      --------- --------- ---------
   Total net investment gains (losses)...............................        82       152        35
 Net derivative gains (losses).......................................   (1,052)     1,003     1,096
                                                                      --------- --------- ---------
     Total revenues..................................................     5,416     8,140     8,497
                                                                      --------- --------- ---------
Expenses                                                                                           
Policyholder benefits and claims.....................................     1,707     2,389     2,660
Interest credited to policyholder account balances...................     1,037     1,147     1,189
Goodwill impairment..................................................        66       394        --
Other expenses.......................................................     1,659     2,720     2,981
                                                                      --------- --------- ---------
     Total expenses..................................................     4,469     6,650     6,830
                                                                      --------- --------- ---------
Income (loss) from continuing operations before provision for income                               
  tax................................................................       947     1,490     1,667
Provision for income tax expense (benefit)...........................       227       372       493
                                                                      --------- --------- ---------
Income (loss) from continuing operations, net of income tax..........       720     1,118     1,174
Income (loss) from discontinued operations, net of income tax........        --         8        --
                                                                      --------- --------- ---------
Net income (loss).................................................... $     720 $   1,126 $   1,174
                                                                      ========= ========= =========

See accompanying notes to the consolidated financial statements.  

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Comprehensive Income (Loss)  
For the Years Ended December 31, 2013, 2012 and 2011  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                         2013       2012      2011   
                                                                      ----------- --------- ---------
                                                                                                     
Net income (loss).................................................... $       720 $   1,126 $   1,174
Other comprehensive income (loss):                                                                   
 Unrealized investment gains (losses), net of related offsets........     (2,094)       850     2,074
 Unrealized gains (losses) on derivatives............................       (204)         4       347
 Foreign currency translation adjustments............................          28        88      (16)
                                                                      ----------- --------- ---------
Other comprehensive income (loss), before income tax.................     (2,270)       942     2,405
Income tax (expense) benefit related to items of other comprehensive                                 
  income (loss)......................................................         759     (313)     (851)
                                                                      ----------- --------- ---------
Other comprehensive income (loss), net of income tax.................     (1,511)       629     1,554
                                                                      ----------- --------- ---------
Comprehensive income (loss).......................................... $     (791) $   1,755 $   2,728
                                                                      =========== ========= =========

See accompanying notes to the consolidated financial statements.  

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Stockholders' Equity 
For the Years Ended December 31, 2013, 2012 and 2011  

(In millions) 

                                                        [Enlarge/Download Table]

                                                           Accumulated Other Comprehensive Income (Loss)              
                                                           ---------------------------------------------              
                                                                Net                          Foreign                  
                                    Additional               Unrealized      Other-Than-    Currency         Total    
                             Common  Paid-in    Retained     Investment       Temporary    Translation   Stockholders'
                             Stock   Capital    Earnings   Gains (Losses)    Impairments   Adjustments      Equity    
                             ------ ---------- ----------- --------------    -----------   -----------   -------------
                                                                                                                      
Balance at December 31,                                                                                               
  2010 (1).................. $   86 $   6,719  $       424  $       393      $     (51)     $   (125)     $     7,446 
Dividend paid to MetLife....                         (517)                                                      (517) 
Capital contribution........                1                                                                       1 
Return of capital (Note 12).             (47)                                                                    (47) 
Net income (loss)...........                         1,174                                                      1,174 
Other comprehensive income                                                                                            
  (loss), net of income tax.                                      1,591            (23)          (14)           1,554 
                             ------ ---------  -----------  -----------      ----------     ---------     ----------- 
Balance at December 31, 2011     86     6,673        1,081        1,984            (74)         (139)           9,611 
Dividend of subsidiary                                                                                                
  (Note 3)..................                         (347)                                                      (347) 
Dividend paid to MetLife....                         (504)                                                      (504) 
Capital contribution........               45                                                                      45 
Net income (loss)...........                         1,126                                                      1,126 
Other comprehensive income                                                                                            
  (loss), net of income                                                                                               
  tax (2)...................                                        503              36            90             629 
                             ------ ---------  -----------  -----------      ----------     ---------     ----------- 
Balance at December 31, 2012     86     6,718        1,356        2,487            (38)          (49)          10,560 
Dividend paid to MetLife....                       (1,000)                                                    (1,000) 
Capital contribution........               19                                                                      19 
Net income (loss)...........                           720                                                        720 
Other comprehensive income                                                                                            
  (loss), net of income tax.                                    (1,549)              12            26         (1,511) 
                             ------ ---------  -----------  -----------      ----------     ---------     ----------- 
Balance at December 31, 2013 $   86 $   6,737  $     1,076  $       938      $     (26)     $    (23)     $     8,788 
                             ====== =========  ===========  ===========      ==========     =========     =========== 

--------                                                                        
(1)Includes amounts related to prior period adjustments to Retained Earnings of 
($33) million. See Note 1.                                                
(2)Includes amounts related to dividend of subsidiary. See Notes 3 and 12.      

See accompanying notes to the consolidated financial statements.  

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Cash Flows 
For the Years Ended December 31, 2013, 2012 and 2011  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                                           2013        2012        2011    
                                                                                        ----------- ----------- -----------
                                                                                                                           
Cash flows from operating activities                                                                                       
Net income (loss)...................................................................... $       720 $     1,126 $     1,174
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating                                     
 activities:                                                                                                               
  Depreciation and amortization expenses...............................................          33          31          37
  Amortization of premiums and accretion of discounts associated with investments, net.       (167)       (168)       (152)
  (Gains) losses on investments and derivatives and from sales of businesses, net......       1,108     (1,043)     (1,160)
  (Income) loss from equity method investments, net of dividends or distributions......        (78)        (42)        (23)
  Interest credited to policyholder account balances...................................       1,037       1,147       1,189
  Universal life and investment-type product policy fees...............................     (2,336)     (2,261)     (1,956)
  Goodwill impairment..................................................................          66         394          --
  Change in fair value option securities...............................................          --       (602)     (1,483)
  Change in accrued investment income..................................................          77          66          51
  Change in premiums, reinsurance and other receivables................................     (1,355)     (1,197)     (1,202)
  Change in deferred policy acquisition costs and value of business acquired, net......       (553)         182       (207)
  Change in income tax.................................................................         213         630         537
  Change in other assets...............................................................       1,836       1,499       1,386
  Change in insurance-related liabilities and policy-related balances..................       1,144       1,863       1,958
  Change in other liabilities..........................................................         847         804         406
  Other, net...........................................................................         141          53          67
                                                                                        ----------- ----------- -----------
Net cash provided by (used in) operating activities....................................       2,733       2,482         622
                                                                                        ----------- ----------- -----------
Cash flows from investing activities                                                                                       
  Sales, maturities and repayments of:                                                                                     
   Fixed maturity securities...........................................................      18,718      14,394      17,348
   Equity securities...................................................................          67          50         168
   Mortgage loans......................................................................       2,292       1,447         993
   Real estate and real estate joint ventures..........................................         104          72          26
   Other limited partnership interests.................................................         153         223         256
  Purchases of:                                                                                                            
   Fixed maturity securities...........................................................    (15,841)    (15,706)    (17,127)
   Equity securities...................................................................       (133)        (58)        (27)
   Mortgage loans......................................................................       (882)       (807)     (1,357)
   Real estate and real estate joint ventures..........................................       (201)       (225)        (72)
   Other limited partnership interests.................................................       (363)       (341)       (378)
  Cash received in connection with freestanding derivatives............................         111         414         397
  Cash paid in connection with freestanding derivatives................................       (720)       (335)       (478)
  Dividend of subsidiary...............................................................          --        (53)          --
  Issuances of loans to affiliates.....................................................       (500)          --       (430)
  Net change in policy loans...........................................................         (3)        (13)        (13)
  Net change in short-term investments.................................................         471       (155)     (1,347)
  Net change in other invested assets..................................................        (47)        (54)        (12)
  Other, net...........................................................................           3          --           1
                                                                                        ----------- ----------- -----------
Net cash provided by (used in) investing activities.................................... $     3,229 $   (1,147) $   (2,052)
                                                                                        ----------- ----------- -----------

See accompanying notes to the consolidated financial statements.  

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Cash Flows -- (Continued)  
For the Years Ended December 31, 2013, 2012 and 2011  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                                              2013        2012        2011    
                                                                                           ----------- ----------- -----------
                                                                                                                              
Cash flows from financing activities                                                                                          
  Policyholder account balances:                                                                                              
   Deposits............................................................................... $    13,770 $    14,785 $    20,496
   Withdrawals............................................................................    (15,899)    (15,493)    (19,404)
  Net change in payables for collateral under securities loaned and other transactions....     (1,948)         320        (24)
  Long-term debt repaid...................................................................     (1,009)       (482)       (385)
  Financing element on certain derivative instruments.....................................        (29)         180         129
  Return of capital.......................................................................          --          --        (47)
  Dividends on common stock...............................................................     (1,000)       (504)       (517)
                                                                                           ----------- ----------- -----------
Net cash provided by (used in) financing activities.......................................     (6,115)     (1,194)         248
                                                                                           ----------- ----------- -----------
Effect of change in foreign currency exchange rates on cash and cash equivalents balances.           4           9         (1)
                                                                                           ----------- ----------- -----------
Change in cash and cash equivalents.......................................................       (149)         150     (1,183)
Cash and cash equivalents, beginning of year..............................................         895         745       1,928
                                                                                           ----------- ----------- -----------
Cash and cash equivalents, end of year.................................................... $       746 $       895 $       745
                                                                                           =========== =========== ===========
Supplemental disclosures of cash flow information                                                                             
  Net cash paid (received) for:                                                                                               
   Interest............................................................................... $       194 $       232 $       406
                                                                                           =========== =========== ===========
   Income tax............................................................................. $       (1) $     (226) $      (47)
                                                                                           =========== =========== ===========
  Non-cash transactions:                                                                                                      
  Disposal of subsidiary: (1)                                                                                                 
   Assets disposed........................................................................ $        -- $     4,857 $        --
   Liabilities disposed...................................................................          --     (4,567)          --
                                                                                           ----------- ----------- -----------
   Net assets disposed....................................................................          --         290          --
   Cash disposed..........................................................................          --        (53)          --
   Dividend of interests in subsidiary....................................................          --       (237)          --
                                                                                           ----------- ----------- -----------
   (Gain) loss on dividend of interests in subsidiary..................................... $        -- $        -- $        --
                                                                                           =========== =========== ===========
  Capital contribution from MetLife, Inc.................................................. $        19 $        45 $        --
                                                                                           =========== =========== ===========
  Real estate and real estate joint ventures acquired in satisfaction of debt............. $        -- $        50 $         5
                                                                                           =========== =========== ===========

--------                                                                        

(1)See Note 3.                                                                  

See accompanying notes to the consolidated financial statements.  

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MetLife Insurance Company of Connecticut  
(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                                                                        

 "MICC" or the "Company" refers to MetLife Insurance Company of Connecticut, a
Connecticut corporation incorporated in 1863, and its subsidiaries, including   
MetLife Investors USA Insurance Company ("MLI-USA"). MetLife Insurance Company  
of Connecticut is a wholly-owned subsidiary of MetLife, Inc. ("MetLife"). The   
Company offers individual annuities, individual life insurance, and             
institutional protection and asset accumulation products.                       

The Company is organized into two segments: Retail and Corporate Benefit    
Funding.                                                                        

In the second quarter of 2013, MetLife announced its plans to merge three   
U.S.-based life insurance companies and an offshore reinsurance subsidiary to   
create one larger U.S.-based and U.S.-regulated life insurance company (the     
"Mergers"). The companies to be merged are MetLife Insurance Company of         
Connecticut, MLI-USA and MetLife Investors Insurance Company ("MLIIC"), each a  
U.S. insurance company that issues variable annuity products in addition to     
other products, and Exeter Reassurance Company, Ltd. ("Exeter"), a reinsurance  
company that mainly reinsures guarantees associated with variable annuity       
products. MetLife Insurance Company of Connecticut, which is expected to be     
renamed and domiciled in Delaware, will be the surviving entity. Exeter,        
formerly a Cayman Islands company, was re-domesticated to Delaware in           
October 2013. Effective January 1, 2014, following receipt of New York State    
Department of Financial Services ("Department of Financial Services") approval, 
MetLife Insurance Company of Connecticut withdrew its license to issue          
insurance policies and annuity contracts in New York. Also effective January 1, 
2014, MetLife Insurance Company of Connecticut reinsured with Metropolitan Life 
Insurance Company ("MLIC"), an affiliate, all existing New York insurance       
policies and annuity contracts that include a separate account feature. As a    
result of the reinsurance agreements, MetLife Insurance Company of Connecticut  
recorded a reinsurance recoverable, included in premiums, reinsurance and other 
receivables, of $545 million and a funds withheld liability, included in other  
liabilities, of $97 million, and transferred cash and investments of $448       
million to MLIC. On December 31, 2013, MetLife Insurance Company of Connecticut 
deposited investments with an estimated fair market value of $6.3 billion into  
a custodial account, which became restricted to secure MetLife Insurance        
Company of Connecticut's remaining New York policyholder liabilities not        
covered by such reinsurance on January 1, 2014. In anticipation of establishing 
the custodial account with qualifying investments, MetLife Insurance Company of 
Connecticut transferred investments with an estimated fair value of             
$739 million and cash of $12 million to MLIC and received from MLIC qualifying  
investments with an estimated fair value of $751 million in the fourth quarter  
of 2013. See Note 7. The Mergers are expected to occur in the fourth quarter of 
2014, subject to regulatory approvals.                                          

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 in 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 estimates.  

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MetLife Insurance Company of Connecticut  
(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)                                                            

Consolidation                                                                 

The accompanying consolidated financial statements include the accounts of
MetLife Insurance Company of Connecticut 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. In order to qualify for a discontinued
operation, the operations and cash flows of the component have been or will be
eliminated from the ongoing operations of the Company, and the Company will   
not have any significant continuing involvement in the operations of the      
component after the disposal transaction.                                     

Separate Accounts                                                             

 Separate accounts are established in conformity with insurance laws and are
generally not chargeable with 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 in 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. Unit-linked separate   
account investments that are directed by contractholders but do not meet one  
or more of the other above criteria are included in fair value option ("FVO") 
securities. See Note 3.                                                       

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MetLife Insurance Company of Connecticut  
(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 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 in the statements of   
operations.                                                                   

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.                                                         

Adjustments to Prior Periods                                              

   During the fourth quarter of 2013, the Company determined to adjust certain
prior period results to correct the following:                              

   .  Certain prior years' acquisition costs related to variable annuity sales
     were incorrectly allocated to an affiliate. Such costs, net of deferred
      policy acquisition costs ("DAC"), were $57 million, $66 million, and $52
million for 2012, 2011 and 2010, respectively.                    

   .  A DAC recoverability write-off of $111 million associated with term life
   and universal life secondary guarantees business sold in 2012 was not
recorded as of December 31, 2012.                                 

.  The fair value of a bifurcated embedded derivative associated with a 
reinsurance agreement was overstated by $23 million for 2011.     

 .  Policyholder benefits and claims and other expenses were overstated in
    2012 by $6 million and $23 million, respectively, due to an adjustment
     in the modeling of dynamic lapses in certain variable annuity products.

.  Tax valuation allowances were understated by $22 million for 2012.   

.  A non-cash transaction relating to a pension closeout sale was       
      incorrectly recorded as an increase of $312 million in net cash provided
   by operating activities with an offsetting impact on net cash used in
investing activities for 2011.                                    

Management evaluated the materiality of these adjustments quantitatively
and qualitatively and concluded that they were not material to any prior    
periods' annual or quarterly financial statements, however, unadjusted      
amounts as of December 31, 2012 would have had a significant effect on the  
results of operations for 2013 if they were recorded in 2013. Accordingly,  
the Company has revised its previously reported financial statements for    
prior annual periods for the items listed above, including the related tax  
 impacts, as detailed below. The effects of the adjustments were immaterial to
quarterly financial information reported in each of the interim condensed   
consolidated financial statements in 2012 and 2013, since the most          
significant adjustments occurred in the fourth quarter of 2012. As a result,
such previously reported quarterly financial information has not been       
adjusted, and we do not plan to amend prior quarterly filings.              

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MetLife Insurance Company of Connecticut  
(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 impact of the adjustments is shown in the tables below:               

                                                        [Enlarge/Download Table]

                                                                      December 31, 2012 
                                                                     -------------------
                                                                         As             
                                                                     Previously    As   
Consolidated Balance Sheets                                           Reported  Adjusted
-------------------------------------------------------------------- ---------- --------
                                                                        (In millions)   
                                                                                        
Assets                                                                                  
   Premiums, reinsurance and other receivables......................  $ 22,143  $ 21,927
   Deferred policy acquisition costs and value of business acquired.  $  3,793  $  3,746
   Other assets.....................................................  $    822  $    826
   Total assets.....................................................  $184,796  $184,537
Liabilities                                                                             
   Future policy benefits...........................................  $ 27,585  $ 27,583
   Deferred income tax liability....................................  $  1,938  $  1,870
   Total liabilities................................................  $174,047  $173,977
Stockholders' Equity                                                                    
   Retained earnings................................................  $  1,545  $  1,356
   Total stockholders' equity.......................................  $ 10,749  $ 10,560
   Total liabilities and stockholders' equity.......................  $184,796  $184,537

                                                        [Enlarge/Download Table]

                                                                                   December 31,              
                                                                      ---------------------------------------
                                                                             2012                2011        
                                                                      ------------------- -------------------
                                                                          As                  As             
                                                                      Previously    As    Previously    As   
Consolidated Statements of Operations                                  Reported  Adjusted  Reported  Adjusted
--------------------------------------------------------------------- ---------- -------- ---------- --------
                                                                                   (In millions)             
                                                                                                             
Revenues                                                                                                     
   Net derivative gains (losses).....................................   $  980    $1,003    $1,119    $1,096 
   Total revenues....................................................   $8,117    $8,140    $8,520    $8,497 
Expenses                                                                                                     
   Policyholder benefits and claims..................................   $2,395    $2,389    $2,660       N/A 
   Other expenses....................................................   $2,575    $2,720    $2,915    $2,981 
   Total expenses....................................................   $6,511    $6,650    $6,764    $6,830 
Income (loss) from continuing operations before provision for income                                         
  tax................................................................   $1,606    $1,490    $1,756    $1,667 
Provision for income tax expense (benefit)...........................   $  391    $  372    $  523    $  493 
Income (loss) from continuing operations, net of income tax..........   $1,215    $1,118    $1,233    $1,174 
Net income (loss)....................................................   $1,223    $1,126    $1,233    $1,174 

                                                        [Enlarge/Download Table]

                                                                     December 31,              
                                                        ---------------------------------------
                                                               2012                2011        
                                                        ------------------- -------------------
                                                            As                  As             
                                                        Previously    As    Previously    As   
Consolidated Statements of Comprehensive Income (Loss)   Reported  Adjusted  Reported  Adjusted
------------------------------------------------------  ---------- -------- ---------- --------
                                                                     (In millions)             
                                                                                               
             Net income (loss).........................   $1,223    $1,126    $1,233    $1,174 
             Comprehensive income (loss)...............   $1,852    $1,755    $2,787    $2,728 

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MetLife Insurance Company of Connecticut  
(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)                                                            

                                                                [Download Table]

                                                     As             
                                                 Previously    As   
Consolidated Statements of Stockholders' Equity   Reported  Adjusted
-----------------------------------------------  ---------- --------
                                                    (In millions)   
                                                                    
       Retained Earnings                                            
         Balance at December 31, 2010...........  $   457   $   424 
          Net income (loss).....................  $ 1,233   $ 1,174 
         Balance at December 31, 2011...........  $ 1,173   $ 1,081 
          Net income (loss).....................  $ 1,223   $ 1,126 
         Balance at December 31, 2012...........  $ 1,545   $ 1,356 
       Total Stockholders' Equity                                   
         Balance at December 31, 2010...........  $ 7,479   $ 7,446 
         Balance at December 31, 2011...........  $ 9,703   $ 9,611 
         Balance at December 31, 2012...........  $10,749   $10,560 

                                                        [Enlarge/Download Table]

                                                                                   December 31,              
-                                                                    --------------------------------------- 
                                                                            2012                 2011        
                                                                     ------------------  ------------------- 
                                                                         As                  As              
                                                                     Previously    As    Previously    As    
Consolidated Statements of Cash Flows                                 Reported  Adjusted  Reported  Adjusted 
-------------------------------------------------------------------  ---------- -------- ---------- -------- 
                                                                                  (In millions)              
                                                                                                             
Cash flows from operating activities                                                                         
   Net income (loss)................................................  $ 1,223   $ 1,126   $  1,233  $  1,174 
   (Gains) losses on investments and derivatives and from sales of                                           
     businesses, net................................................  $(1,020)  $(1,043)  $ (1,183) $ (1,160)
   Change in premiums, reinsurance and other receivables............  $(1,229)  $(1,197)  $ (1,288) $ (1,202)
   Change in deferred policy acquisition costs and value of                                                  
     business acquired, net.........................................  $    69   $   182   $   (187) $   (207)
   Change in income tax.............................................  $   649   $   630   $    567  $    537 
   Change in other assets...........................................  $ 1,503   $ 1,499        N/A       N/A 
   Change in insurance-related liabilities and policy-related                                                
     balances.......................................................  $ 1,865   $ 1,863   $  2,307  $  1,958 
   Other, net.......................................................      N/A       N/A   $     30  $     67 
   Net cash provided by (used in) operating activities..............      N/A       N/A   $    934  $    622 
Cash flows from investing activities                                                                         
   Purchases of fixed maturity securities...........................      N/A       N/A   $(17,439) $(17,127)
   Net cash provided by (used in) investing activities..............      N/A       N/A   $ (2,364) $ (2,052)

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MetLife Insurance Company of Connecticut  
(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)                                                            

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]
                                                                                                        
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Accounting Policy                                                                                   Note
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Insurance                                                                                            4  
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Deferred Policy Acquisition Costs, Value of Business Acquired and Other Policy-Related Intangibles   5  
--------------------------------------------------------------------------------------------------------
Reinsurance                                                                                          6  
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Investments                                                                                          7  
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Derivatives                                                                                          8  
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Fair Value                                                                                           9  
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Goodwill                                                                                             10 
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Income Tax                                                                                           14 
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Litigation Contingencies                                                                             15 

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.                       

Liabilities for universal and variable life secondary 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 guarantee liabilities are      
consistent with those used for amortizing 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 Ratings Services ("S&P") 500 Index. The benefits used 
 in calculating the liabilities are based on the average benefits payable over
a range of scenarios.                                                       

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MetLife Insurance Company of Connecticut  
(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 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 ("PABs") relate to contract 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 (i.e., the     
benefit base) less 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 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 PABs 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, unearned
revenue liabilities, premiums received in advance and policyholder dividends
due and unpaid.                                                             

  The liability for policy and contract claims generally relates to incurred
but not reported death, disability, and long-term care ("LTC") 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   
incurred but not reported 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 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, similar to DAC as    
 discussed further herein. Such amortization is recorded in universal life and
investment-type product policy fees.                                        

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MetLife Insurance Company of Connecticut  
(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 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.                                     

Recognition of Insurance Revenues and Deposits                              

Premiums related to traditional life and annuity policies 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 non-medical health and disability 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 PABs. 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 PABs.                      

   Premiums, policy fees, policyholder benefits and expenses are presented net
of reinsurance.                                                             

Deferred Policy Acquisition Costs, Value of Business Acquired and Other       
Policy-Related 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;                                                       
.  other essential direct costs that would not have been incurred had a 
policy not been acquired or renewed; and                          
  .  in limited circumstances, the costs of direct-response advertising, the
   primary purpose of which is to elicit sales to customers who could be
      shown to have responded specifically to the advertising and that results
in probable future benefits.                                      

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                                                       

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MetLife Insurance Company of Connecticut  
(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)                                                            

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                Historic actual and expected future    
non-dividend-paying traditional     gross premiums.                     
contracts (primarily term                                               
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.       

The recovery of DAC and VOBA is dependent upon the future profitability of
the related business. DAC and VOBA are aggregated in the financial statements 
for reporting purposes.                                                       

  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 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.                    

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MetLife Insurance Company of Connecticut  
(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 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.               

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.                              

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).               

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.                                                     

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MetLife Insurance Company of Connecticut  
(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)                                                            

Investments                                                                   

Net Investment Income and Net Investment Gains (Losses)                     

Income on 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 policyholder-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 on fixed maturity securities is recognized when earned  
 using an effective yield method giving effect to amortization of premiums and
 accretion of discounts. Prepayment fees are recognized when earned. 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 7 "--         
 Evaluation of AFS Securities for OTTI and Evaluating Temporarily Impaired AFS
Securities."                                                                

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 exist, 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.                                                                      

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MetLife Insurance Company of Connecticut  
(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)                                                            

Mortgage Loans                                                              

  The Company disaggregates its mortgage loan investments into two portfolio
segments: commercial and agricultural. 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 7.  

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 commercial mortgage loans held by   
consolidated securitization entities ("CSEs") for which the FVO was elected.
 These mortgage loans are stated at estimated fair value. Changes in estimated
fair value are recognized in net investment gains (losses) for commercial   
mortgage loans held by CSEs.                                                

Policy Loans                                                                

Policy loans are stated at unpaid principal balances. Interest income on
such loans 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 or interest on the loan 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 provided on a straight-line basis over the    
estimated useful life of the asset (typically 20 to 55 years). Rental income
associated with such real estate 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.          

Real Estate Joint Ventures and Other Limited Partnership Interests          

  The Company uses the equity method of accounting for investments in equity
 securities when it has significant influence or at least 20% interest and for
investments in 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, but does not have
a controlling financial interest. The Company                               

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MetLife Insurance Company of Connecticut  
(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)                                                            

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 as earned 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 are     
described in "-- Derivatives" below.                              
   .  Loans to affiliates are stated at unpaid principal balance, adjusted for
any unamortized premium or discount.                              
   .  Tax credit and renewable energy partnerships 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.
.  Leveraged leases are recorded net of non-recourse debt. Income on    
leveraged leases is recognized by applying the leveraged lease's  
      estimated rate of return to the net investment in the lease. The Company
regularly reviews residual values for impairment.                 
.  Investments in joint ventures that engage in insurance underwriting  
activities are accounted for under the equity method.             

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                                            

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MetLife Insurance Company of Connecticut  
(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)                                                            

 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. The Company is liable to return to the counterparties the cash    
collateral received. Security collateral on deposit from counterparties in  
connection with the securities lending transactions may not be sold or      
 repledged, unless the counterparty is in default, and is not reflected in the
financial statements. The Company monitors the estimated fair value of the  
securities loaned on a daily basis and additional collateral is obtained as 
necessary. Income and expenses associated with securities lending           
transactions are reported as investment income and investment expense,      
respectively, within net investment income.                                 

Derivatives                                                                   

Freestanding Derivatives                                                    

   Freestanding derivatives are carried in the Company's balance sheets either
as assets within other invested assets or as liabilities within other       
liabilities at estimated fair value. The Company does not offset the 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:                                                          

----------------------------------------------------------------------------- 
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
----------------------------------------------------------------------------- 

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 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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MetLife Insurance Company of Connecticut  
(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 in 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 in the balance sheets 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 statements 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 in the balance  
sheets 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 in the balance sheets, 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 fair 
value with changes in fair value recorded in earnings;            

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MetLife Insurance Company of Connecticut  
(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 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 in the balance sheets 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.         

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 judgment are used to determine the estimated fair value  
of assets and liabilities.                                                    

Goodwill                                                                      

Goodwill 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 of each year 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                                            

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MetLife Insurance Company of Connecticut  
(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)                                                            

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.                                                    

 On an ongoing basis, the Company evaluates potential triggering events that
may affect the estimated fair value of the Company's reporting units to assess
whether any goodwill impairment exists. Deteriorating or adverse market       
conditions for certain reporting units may have a significant impact on the   
estimated fair value of these reporting units and could result in future      
impairments of goodwill.                                                      

Employee Benefit Plans                                                        

Pension, postretirement and postemployment benefits are provided to         
associates under plans sponsored and administered by MLIC, an affiliate of the  
Company. The Company's obligation and expense related to these benefits is      
limited to the amount of associated expense allocated from MLIC.                

Income Tax                                                                    

MetLife Insurance Company of Connecticut and all of its includable        
subsidiaries join with MetLife and its includable subsidiaries in filing a    
consolidated U.S. life and non-life federal income tax return in accordance   
with the provisions of the Internal Revenue Code of 1986, as amended (the     
"Code"). Current taxes (and the benefits of tax attributes such as losses) are
allocated to MetLife Insurance Company of Connecticut and its subsidiaries    
under the consolidated tax return regulations and a tax sharing agreement.    
Under the consolidated tax return regulations, MetLife has elected the        
"percentage method" (and 100 percent under such method) of reimbursing        
companies for tax attributes such as losses. As a result, 100 percent of tax  
attributes such as losses are reimbursed by MetLife to the extent that        
consolidated federal income tax of the consolidated federal tax return group  
is reduced in a year by tax attributes such as losses. Profitable subsidiaries
pay MetLife each year the federal income tax which such profitable subsidiary 
would have paid that year based upon that year's taxable income. If MetLife   
Insurance Company of Connecticut 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 MetLife Insurance Company of Connecticut and its includable    
subsidiaries when those tax attributes are realized (or realizable) by the    
consolidated federal tax return group, even if MetLife Insurance Company of   
Connecticut or its includable subsidiaries would not have realized the        
attributes on a stand-alone basis under a "wait and see" method.              

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.                                                                      

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MetLife Insurance Company of Connecticut  
(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 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 when management determines, based on available information, that  
it is more likely than not that deferred income tax assets will not be        
realized. Factors in management's determination include the performance of the
business and its ability to generate capital gains. Significant judgment is   
required in determining whether valuation allowances should be established, as
well as the amount of such allowances. When making such determination,        
consideration is given to, among other things, the following:                 

.  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 in   
certain circumstances. Examples of such circumstances include 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, future events, such as changes in tax     
laws, tax regulations, or interpretations of such laws or regulations, could  
have an impact on the provision for income tax and the effective tax rate. Any
such changes could significantly affect the amounts reported in the financial 
statements in the year these changes occur.                                   

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 in 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.                                      

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.
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 in the Company's financial statements.                           

Other Accounting Policies                                                     

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.                    

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MetLife Insurance Company of Connecticut  
(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)                                                            

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. Estimated lives generally range 
from five to 10 years for leasehold improvements, and from three to seven   
years for all other property and equipment. The net book value of the       
property, equipment and leasehold improvements was insignificant at both    
December 31, 2013 and 2012.                                                 

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 $200 million and $185 million
at December 31, 2013 and 2012, respectively. Accumulated amortization of    
 capitalized software was $97 million and $92 million at December 31, 2013 and
2012, respectively. Related amortization expense was $5 million, $10 million
and $17 million for the years ended December 31, 2013, 2012 and 2011,       
respectively.                                                               

Other Revenues                                                              

Other revenues include, in addition to items described elsewhere herein,
advisory fees, broker-dealer commissions and fees and administrative service
fees. Such fees and commissions are recognized in the period in which       
services are performed.                                                     

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 income and
expense accounts 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.            

Adoption of New Accounting Pronouncements                                       

Effective July 17, 2013, the Company adopted new guidance regarding         
derivatives that permits the Fed Funds Effective Swap Rate (or Overnight Index  
Swap Rate) to be used as a U.S. benchmark interest rate for hedge accounting    
purposes, in addition to the United States Treasury and London Interbank        
Offered Rate ("LIBOR"). Also, this new guidance removes the restriction on      
using different benchmark rates for similar hedges. The new guidance did not    
have a material impact on the financial statements upon adoption, but may       
impact the selection of benchmark interest rates for hedging relationships in   
the future.                                                                     

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MetLife Insurance Company of Connecticut  
(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, 2013, the Company adopted new guidance regarding       
comprehensive income that requires an entity to provide information about the   
amounts reclassified out of accumulated OCI ("AOCI") by component. In addition, 
an entity is required to present, either on the face of the statement where net 
income is presented or in the notes, significant amounts reclassified out of    
AOCI by the respective line items of net income but only if the amount          
reclassified is required under GAAP to be reclassified to net income in its     
entirety in the same reporting period. For other amounts that are not required  
under GAAP to be reclassified in their entirety to net income, an entity is     
required to cross-reference to other disclosures required under GAAP that       
provide additional detail about those amounts. The adoption was prospectively   
applied and resulted in additional disclosures in Note 12.                      

 Effective January 1, 2013, the Company adopted new guidance regarding balance
sheet offsetting disclosures which requires an entity to disclose information   
about offsetting and related arrangements for derivatives, including bifurcated 
embedded derivatives, repurchase and reverse repurchase agreements, and         
securities borrowing and lending transactions, to enable users of its financial 
statements to understand the effects of those arrangements on its financial     
position. Entities are required to disclose both gross information and net      
information about both instruments and transactions eligible for offset in the  
statement of financial position and instruments and transactions subject to an  
agreement similar to a master netting arrangement. The adoption was             
retrospectively applied and resulted in additional disclosures related to       
derivatives in Note 8.                                                          

 On January 1, 2012, the Company adopted new guidance regarding accounting for
DAC, which was retrospectively applied. The guidance specifies that only costs  
related directly to successful acquisition of new or renewal contracts can be   
capitalized as DAC; all other acquisition-related costs must be expensed as     
incurred. As a result, certain sales manager compensation and administrative    
costs previously capitalized by the Company will no longer be deferred.         

On January 1, 2012, the Company adopted new guidance regarding comprehensive
income, which was retrospectively applied, that provides companies with the     
option to present the total of comprehensive income, components of net income,  
and the components of OCI either in a single continuous statement of            
comprehensive income or in two separate but consecutive statements in annual    
financial statements. The standard eliminates the option to present components  
of OCI as part of the statement of changes in stockholders' equity. The Company 
adopted the two-statement approach for annual financial statements.             

Effective January 1, 2012, the Company adopted new guidance on goodwill     
impairment testing that simplifies how an entity tests goodwill for impairment. 
This new guidance allows an entity to first assess qualitative factors to       
determine whether it is more likely than not that the fair value of a reporting 
unit is less than its carrying value as a basis for determining whether it      
needs to perform the quantitative two-step goodwill impairment test. Only if an 
entity determines, based on qualitative assessment, that it is more likely than 
not that a reporting unit's fair value is less than its carrying value will it  
be required to calculate the fair value of the reporting unit. The qualitative  
assessment is optional and the Company is permitted to bypass it for any        
reporting unit in any period and begin its impairment analysis with the         
quantitative calculation. The Company is permitted to perform the qualitative   
assessment in any subsequent period.                                            

Effective January 1, 2012, the Company adopted new guidance regarding fair  
value measurements that establishes common requirements for measuring fair      
value and for disclosing information about fair value measurements in           
accordance with GAAP and International Financial Reporting Standards. Some of   
the                                                                             

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MetLife Insurance Company of Connecticut  
(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)                                                            

amendments clarify the Financial Accounting Standards Board's ("FASB") intent   
on the application of existing fair value measurement requirements. Other       
amendments change a particular principle or requirement for measuring fair      
value or for disclosing information about fair value measurements. The adoption 
did not have a material impact on the Company's financial statements other than 
the expanded disclosures in Note 9.                                             

Future Adoption of New Accounting Pronouncements                                

In March 2013, the FASB issued new guidance regarding foreign currency      
(Accounting Standards Update ("ASU") 2013-05, Foreign Currency Matters (Topic   
830): Parent's Accounting for the Cumulative Translation Adjustment upon        
Derecognition of Certain Subsidiaries or Groups of Assets within a Foreign      
Entity or of an Investment in a Foreign Entity), effective prospectively for    
fiscal years and interim reporting periods within those years beginning after   
December 15, 2013. The amendments require an entity that ceases to have a       
controlling financial interest in a subsidiary or group of assets within a      
foreign entity to apply the guidance in Subtopic 830-30, Foreign Currency       
Matters -- Translation of Financial Statements, to release any related          
cumulative translation adjustment into net income. Accordingly, the cumulative  
translation adjustment should be released into net income only if the sale or   
transfer results in the complete or substantially complete liquidation of the   
foreign entity in which the subsidiary or group of assets had resided. For an   
equity method investment that is a foreign entity, the partial sale guidance in 
section 830-30-40, Derecognition, still applies. As such, a pro rata portion of 
the cumulative translation adjustment should be released into net income upon a 
partial sale of such an equity method investment. The Company does not expect   
the adoption of this new guidance to have a material impact on its financial    
statements.                                                                     

In February 2013, the FASB issued new guidance regarding liabilities (ASU   
2013-04, Liabilities (Topic 405): Obligations Resulting from Joint and Several  
Liability Arrangements for Which the Total Amount of the Obligation Is Fixed at 
the Reporting Date), effective retrospectively for fiscal years beginning after 
December 15, 2013 and interim periods within those years. The amendments        
require an entity to measure obligations resulting from joint and several       
liability arrangements for which the total amount of the obligation within the  
scope of the guidance is fixed at the reporting date, as the sum of the amount  
the reporting entity agreed to pay on the basis of its arrangement among its    
co-obligors and any additional amount the reporting entity expects to pay on    
behalf of its co-obligors. In addition, the amendments require an entity to     
disclose the nature and amount of the obligation, as well as other information  
about the obligation. The Company does not expect the adoption of this new      
guidance to have a material impact on its financial statements.                 

2. Segment Information                                                          

The Company is organized into two segments: Retail and Corporate Benefit    
Funding. In addition, the Company reports certain of its results of operations  
in Corporate & Other.                                                           

Retail                                                                          

The Retail segment offers a broad range of protection products and a variety
of annuities primarily to individuals, and is organized into two businesses:    
Annuities and Life & Other. Annuities includes a variety of variable, fixed and 
indexed annuities which provide for both asset accumulation and asset           
distribution needs. Life & Other insurance products and services include        
variable life, universal life, term life and whole life products, as well as    
individual disability income products. Additionally, through broker-dealer      
affiliates, the Company offers a full range of mutual funds and other           
securities products.                                                            

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

2. Segment Information (continued)                                              

Corporate Benefit Funding                                                       

The Corporate Benefit Funding segment offers a broad range of annuity and   
investment products, including guaranteed interest products and other stable    
value products, income annuities, and separate account contracts for the        
investment management of defined benefit and defined contribution plan assets.  
This segment also includes structured settlements and certain products to fund  
company-, bank- or trust-owned life insurance used to finance non-qualified     
benefit programs for executives.                                                

Corporate & Other                                                               

Corporate & Other contains the excess capital not allocated to the segments,
various start-up businesses, including direct and digital marketing products,   
run-off businesses, the Company's ancillary international operations, 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. 
Corporate & Other also includes the elimination of intersegment amounts.        

Financial Measures and Segment Accounting Policies                              

Operating earnings is the measure of segment profit or loss the Company uses
to evaluate segment performance and allocate resources. Consistent with GAAP    
guidance for segment reporting, operating earnings is the Company's measure of  
segment performance and is reported below. Operating earnings should not be     
viewed as a substitute for income (loss) from continuing operations, net of     
income tax. The Company believes the presentation of operating 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.                                          

Operating earnings is defined as operating revenues less operating expenses,
both net of income tax.                                                         

Operating revenues excludes net investment gains (losses) and net derivative
gains (losses). Operating expenses excludes goodwill impairments.               

The following additional adjustments are made to GAAP revenues, in the line 
items indicated, in calculating operating 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 amounts for scheduled periodic   
     settlement payments 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) includes income
from discontinued real estate operations, (iii) excludes post-tax 
 operating earnings adjustments relating to insurance joint ventures
  accounted for under the equity method, (iv) excludes certain amounts
related to contractholder-directed unit-linked investments, and   
      (v) excludes certain amounts related to securitization entities that are
VIEs consolidated under GAAP.                                     

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

2. Segment Information (continued)                                              

The following additional adjustments are made to GAAP expenses, in the line 
items indicated, in calculating operating expenses:                             

 .  Policyholder benefits and claims excludes: (i) amounts associated with
periodic crediting rate adjustments based on the total return of a
      contractually referenced pool of assets, (ii) benefits and hedging costs
 related to GMIBs ("GMIB Costs"), and (iii) market value adjustments
    associated with surrenders or terminations of contracts ("Market Value
Adjustments");                                                    

  .  Interest credited to policyholder account balances includes adjustments
    for scheduled periodic settlement payments and amortization of premium
 on derivatives that are hedges of PABs but do not qualify for hedge
 accounting treatment and excludes amounts related to net investment
income earned on contractholder-directed unit-linked investments; 

.  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: (i) implementation of new  
     insurance regulatory requirements, and (ii) acquisition and integration
costs.                                                            

 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, 2013, 2012 and 2011 and at December 31, 2013 and 2012. The       
segment accounting policies are the same as those used to prepare the         
Company's consolidated financial statements, except for operating 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 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 and applying an industry standard method for the inclusion of    
diversification benefits among risk types.                                    

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, operating earnings or income    
(loss) from continuing operations, net of income tax.                         

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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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

2. Segment Information (continued)                                              

                                                        [Enlarge/Download Table]

                                                                  Operating Earnings                                   
                                                         -------------------------------------                         
                                                                  Corporate                                            
                                                                   Benefit  Corporate                         Total    
Year Ended December 31, 2013                              Retail   Funding   & Other   Total   Adjustments Consolidated
-------------------------------------------------------- -------- --------- --------- -------- ----------- ------------
                                                                                 (In millions)                         
                                                                                                                       
Revenues                                                                                                               
Premiums................................................ $    387  $   184   $    35  $    606 $       --   $      606 
Universal life and investment-type product policy fees..    2,155       35        --     2,190        146        2,336 
Net investment income...................................    1,614    1,162       112     2,888       (36)        2,852 
Other revenues..........................................      587        5        --       592         --          592 
Net investment gains (losses)...........................       --       --        --        --         82           82 
Net derivative gains (losses)...........................       --       --        --        --    (1,052)      (1,052) 
                                                         --------  -------   -------  -------- ----------   ---------- 
  Total revenues........................................    4,743    1,386       147     6,276      (860)        5,416 
                                                         --------  -------   -------  -------- ----------   ---------- 
Expenses                                                                                                               
Policyholder benefits and claims........................      737      749        14     1,500        207        1,707 
Interest credited to policyholder account balances......      906      136        --     1,042        (5)        1,037 
Goodwill impairment.....................................       --       --        --        --         66           66 
Capitalization of DAC...................................    (475)      (2)      (27)     (504)         --        (504) 
Amortization of DAC and VOBA............................      552        5         1       558      (508)           50 
Interest expense on debt................................       --       --        68        68        122          190 
Other expenses..........................................    1,816       36        71     1,923         --        1,923 
                                                         --------  -------   -------  -------- ----------   ---------- 
  Total expenses........................................    3,536      924       127     4,587      (118)        4,469 
                                                         --------  -------   -------  -------- ----------   ---------- 
Provision for income tax expense (benefit)..............      395      162      (86)       471      (244)          227 
                                                         --------  -------   -------  -------- ----------   ---------- 
Operating earnings...................................... $    812  $   300   $   106     1,218                         
                                                         ========  =======   =======                                   
Adjustments to:.........................................                                                               
  Total revenues........................................                                 (860)                         
  Total expenses........................................                                   118                         
  Provision for income tax (expense) benefit............                                   244                         
                                                                                      --------                         
Income (loss) from continuing operations, net of income                                                                
 tax....................................................                              $    720              $      720 
                                                                                      ========              ========== 
                                                                [Download Table]

                                         Corporate                       
                                          Benefit  Corporate &           
At December 31, 2013            Retail    Funding     Other      Total   
----------------------------- ---------- --------- ----------- ----------
                                             (In millions)               
                                                                         
Total assets................. $  146,515 $  30,822  $  10,702  $  188,039
Separate account assets...... $   95,692 $   2,088  $      --  $   97,780
Separate account liabilities. $   95,692 $   2,088  $      --  $   97,780

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

2. Segment Information (continued)                                              

                                                        [Enlarge/Download Table]

                                                                   Operating Earnings                                    
                                                         ---------------------------------------                         
                                                                  Corporate                                              
                                                                   Benefit  Corporate &                         Total    
Year Ended December 31, 2012                              Retail   Funding     Other     Total   Adjustments Consolidated
-------------------------------------------------------- -------- --------- ----------- -------- ----------- ------------
                                                                                  (In millions)                          
                                                                                                                         
Revenues                                                                                                                 
Premiums................................................ $    498 $    629   $    134   $  1,261 $       --  $     1,261 
Universal life and investment-type product policy fees..    2,081       29         14      2,124        137        2,261 
Net investment income...................................    1,525    1,167        185      2,877         75        2,952 
Other revenues..........................................      505        6         --        511         --          511 
Net investment gains (losses)...........................       --       --         --         --        152          152 
Net derivative gains (losses)...........................       --       --         --         --      1,003        1,003 
                                                         -------- --------   --------   -------- ----------  ----------- 
  Total revenues........................................    4,609    1,831        333      6,773      1,367        8,140 
                                                         -------- --------   --------   -------- ----------  ----------- 
Expenses                                                                                                                 
Policyholder benefits and claims........................      738    1,161        128      2,027        362        2,389 
Interest credited to policyholder account balances......      943      162         --      1,105         42        1,147 
Goodwill impairment.....................................       --       --         --         --        394          394 
Capitalization of DAC...................................    (848)      (5)       (33)      (886)         --        (886) 
Amortization of DAC and VOBA............................      666       10          2        678        357        1,035 
Interest expense on debt................................       --       --         68         68        163          231 
Other expenses..........................................    2,229       39         66      2,334          6        2,340 
                                                         -------- --------   --------   -------- ----------  ----------- 
  Total expenses........................................    3,728    1,367        231      5,326      1,324        6,650 
                                                         -------- --------   --------   -------- ----------  ----------- 
Provision for income tax expense (benefit)..............      332      162       (30)        464       (92)          372 
                                                         -------- --------   --------   --------             ----------- 
Operating earnings...................................... $    549 $    302   $    132        983                         
                                                         ======== ========   ========                                    
Adjustments to:                                                                                                          
  Total revenues........................................                                   1,367                         
  Total expenses........................................                                 (1,324)                         
  Provision for income tax (expense) benefit............                                      92                         
                                                                                        --------                         
Income (loss) from continuing operations, net of income                                                                  
 tax....................................................                                $  1,118             $     1,118 
                                                                                        ========             =========== 
                                                                [Download Table]

                                         Corporate                     
                                          Benefit  Corporate           
At December 31, 2012            Retail    Funding   & Other    Total   
----------------------------- ---------- --------- --------- ----------
                                            (In millions)              
                                                                       

Total assets................. $  136,074  $33,140  $  15,323 $  184,537
Separate account assets...... $   84,106  $ 2,008  $      -- $   86,114
Separate account liabilities. $   84,106  $ 2,008  $      -- $   86,114

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

2. Segment Information (continued)                                              

                                                        [Enlarge/Download Table]

                                                                    Operating Earnings                                     
                                                         -----------------------------------------                         
                                                                    Corporate                                              
                                                                     Benefit  Corporate                           Total    
Year Ended December 31, 2011                               Retail    Funding   & Other    Total    Adjustments Consolidated
-------------------------------------------------------- ---------- --------- --------- ---------- ----------- ------------
                                                                                   (In millions)                           
                                                                                                                           
Revenues                                                                                                                   
Premiums................................................ $      710  $  1,071  $     47 $    1,828 $        --  $     1,828
Universal life and investment-type product policy fees..      1,764        34        36      1,834         122        1,956
Net investment income...................................      1,423     1,175       181      2,779         295        3,074
Other revenues..........................................        502         5         1        508          --          508
Net investment gains (losses)...........................         --        --        --         --          35           35
Net derivative gains (losses)...........................         --        --        --         --       1,096        1,096
                                                         ----------  --------  -------- ---------- -----------  -----------
  Total revenues........................................      4,399     2,285       265      6,949       1,548        8,497
                                                         ----------  --------  -------- ---------- -----------  -----------
Expenses                                                                                                                   
Policyholder benefits and claims........................        896     1,598        46      2,540         120        2,660
Interest credited to policyholder account balances......        988       180        --      1,168          21        1,189
Goodwill impairment.....................................         --        --        --         --          --           --
Capitalization of DAC...................................    (1,301)       (7)      (57)    (1,365)          --      (1,365)
Amortization of DAC and VOBA............................        791         4         6        801         358        1,159
Interest expense on debt................................         --        --        67         67         322          389
Other expenses..........................................      2,568        42       163      2,773          25        2,798
                                                         ----------  --------  -------- ---------- -----------  -----------
  Total expenses........................................      3,942     1,817       225      5,984         846        6,830
                                                         ----------  --------  -------- ---------- -----------  -----------
Provision for income tax expense (benefit)..............        161       164      (70)        255         238          493
                                                         ----------  --------  -------- ----------              -----------
Operating earnings...................................... $      296  $    304  $    110        710                         
                                                         ==========  ========  ========                                    
Adjustments to:                                                                                                            
  Total revenues........................................                                     1,548                         
  Total expenses........................................                                     (846)                         
  Provision for income tax (expense) benefit............                                     (238)                         
                                                                                        ----------                         
Income (loss) from continuing operations, net of income                                                                    
 tax....................................................                                $    1,174              $     1,174
                                                                                        ==========              ===========

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, 
                               --------------------------
                                 2013     2012     2011  
                               -------- -------- --------
                                     (In millions)       
                                                         
Life insurance (1)............ $  3,528 $  4,026 $  4,285
Accident and health insurance.        6        7        7
                               -------- -------- --------
 Total........................ $  3,534 $  4,033 $  4,292
                               ======== ======== ========

--------                                                                        

(1) Includes annuities and corporate benefit funding products.                  

Revenues derived from any 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, 2013, 2012 and 2011.                  

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

2. Segment Information (continued)                                              

The following table presents total premiums, universal life and             
investment-type product policy fees and other revenues associated with the      
Company's U.S. and foreign operations:                                          

                                                                [Download Table]

                  Years Ended December 31, 
                 --------------------------
                   2013     2012     2011  
                 -------- -------- --------
                       (In millions)       
                                           
U.S............. $  3,442 $  3,329 $  3,222
Foreign:                                   
 United Kingdom.       92      556      986
 Other (1)......       --      148       84
                 -------- -------- --------
   Total........ $  3,534 $  4,033 $  4,292
                 ======== ======== ========

--------                                                                        

(1)See Note 3 for information on the disposition of a subsidiary.               

3. Dispositions                                                                 

Disposition                                                                     

In June 2012, the Company distributed all of the issued and outstanding     
shares of common stock of its wholly-owned subsidiary, MetLife Europe Limited   
("MetLife Europe") to its stockholders as an in-kind dividend. The net book     
value of MetLife Europe at the time of the dividend was $290 million which was  
recorded as a dividend of retained earnings of $347 million and an increase to  
OCI of $57 million, net of income tax. As of the date of dividend, the Company  
no longer consolidates the assets, liabilities and operations of MetLife        
Europe. The net income of MetLife Europe was not material to the Company for    
the periods prior to the dividend. The results of MetLife Europe were reported  
in Corporate & Other. See Note 2 for a discussion of Corporate & Other.         

Discontinued Operations                                                         

The following table summarizes the amounts that have been reflected as      
discontinued operations in the consolidated statements of operations. Income    
(loss) from discontinued operations includes real estate classified as          
held-for-sale or sold.                                                          

                                                        [Enlarge/Download Table]

                                                               Year Ended December 31, 2012
                                                               ----------------------------
                                                                      (In millions)        
                                                                                           
Total revenues................................................        $                  12
Total expenses................................................                           --
                                                                      ---------------------
Income (loss) before provision for income tax.................                           12
Provision for income tax expense (benefit)....................                            4
                                                                      ---------------------
Income (loss) from discontinued operations, net of income tax.        $                   8
                                                                      =====================

There was no income (loss) from discontinued operations, net of income tax, 
for both of the years ended December 31, 2013 and 2011.                         

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

4. Insurance                                                                    

Insurance Liabilities                                                           

Insurance liabilities, including affiliated insurance liabilities on        
reinsurance assumed and ceded, are comprised of future policy benefits, PABs    
and other policy-related balances. Information regarding insurance liabilities  
by segment, as well as Corporate & Other, was as follows at:                    

                                                                [Download Table]

                              December 31,    
                           -------------------
                             2013      2012   
                           --------- ---------
                              (In millions)   
                                              
Retail.................... $  35,844 $  37,642
Corporate Benefit Funding.    22,222    23,766
Corporate & Other.........     6,542     6,289
                           --------- ---------
 Total.................... $  64,608 $  67,697
                           ========= =========

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 net level premium         
                              reserves for death and endowment
                               policy benefits (calculated based
                                   upon the non-forfeiture interest rate
                                   of 4%, and mortality rates guaranteed
                               in calculating the cash surrender
                                  values described in such contracts).
--------------------------------------------------------------------------- 
Nonparticipating life                Aggregate of the present value of      
                                  expected future benefit payments and
                               related expenses less the present
                          value of expected future 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 7%.
--------------------------------------------------------------------------- 
Individual and group traditional     Present value of expected future       
fixed annuities after annuitization  payments. Interest rate assumptions    
                                   used in establishing such liabilities
                  range from 4% to 8%.
--------------------------------------------------------------------------- 
Non-medical health insurance         The net level premium method and       
                                 assumptions as 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 3% to 7%.
--------------------------------------------------------------------------- 

Participating business represented 3% and 2% of the Company's life insurance
in-force at December 31, 2013 and 2012, respectively. Participating policies    
represented 32%, 24% and 10% of gross life insurance premiums for the years     
ended December 31, 2013, 2012 and 2011, respectively.                           

PABs are equal to: (i) policy account values, which consist of an           
accumulation of gross premium payments; (ii) credited interest, ranging from 1% 
to 8%, less expenses, mortality charges and withdrawals; and (iii) fair value   
adjustments relating to business combinations.                                  

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MetLife Insurance Company of Connecticut  
(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. The non-life contingent portion of GMWBs and the portion of certain   
GMIBs that does not require annuitization are accounted for as embedded         
derivatives in PABs and are further discussed in Note 8. Guarantees accounted   
for as insurance liabilities include:                                           

                                                        [Enlarge/Download Table]
                                                                                                 
Guarantee:                                    Measurement Assumptions:                           
-------------------------------------------------------------------------------------------------
GMDBs  .  A return of purchase payment upon   Present value of expected death benefits in        
          death even if the account value is    excess of the projected account balance          
          reduced to zero.                      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 those used         
          available for an additional fee.      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 benefits in       
          determined at the time of issuance    excess of the projected account balance at       
          of the variable annuity contract,     any future date of annuitization and             
          a minimum accumulation of purchase    recognizing the excess ratably over the          
          payments, even if the account         accumulation period based on present value       
          value is reduced to zero, that can    of total expected assessments.                   
          be annuitized to receive a monthly                                                     
          income stream that is not less                                                         
          than a specified amount.                                                               
       .  Certain contracts also provide for  Assumptions are consistent with those used         
          a guaranteed lump sum return of       for estimating GMDB liabilities.                 
          purchase premium in 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 contingent              
          partial withdrawals, even if the      payments and expected assessments using          
          account value is reduced to zero,     assumptions consistent with those used for       
          provided that cumulative              estimating the GMDB liabilities.                 
          withdrawals in a contract year do                                                      
          not exceed a certain limit.                                                            

       .  Certain contracts include                                                              
          guaranteed withdrawals that are                                                        
          life contingent.                                                                       

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MetLife Insurance Company of Connecticut  
(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 Life          
                              Annuity Contracts   Contracts            
                              ----------------- -------------          
                                                  Secondary            
                               GMDBs    GMIBs    Guarantees     Total  
                              -------- -------- ------------- ---------
                                            (In millions)              
                                                                       
Direct                                                                 
Balance at January 1, 2011... $     79 $    281     $     896 $   1,256
Incurred guaranteed benefits.       84      128           140       352
Paid guaranteed benefits.....     (25)       --            --      (25)
                              -------- --------     --------- ---------
Balance at December 31, 2011.      138      409         1,036     1,583
Incurred guaranteed benefits.      108      402           332       842
Paid guaranteed benefits.....     (29)       --            --      (29)
                              -------- --------     --------- ---------
Balance at December 31, 2012.      217      811         1,368     2,396
Incurred guaranteed benefits.      155      127           415       697
Paid guaranteed benefits.....     (17)       --            --      (17)
                              -------- --------     --------- ---------
Balance at December 31, 2013. $    355 $    938     $   1,783 $   3,076
                              ======== ========     ========= =========
Ceded                                                                  
Balance at January 1, 2011... $     76 $     97     $     657 $     830
Incurred guaranteed benefits.       59       42           110       211
Paid guaranteed benefits.....     (21)       --            --      (21)
                              -------- --------     --------- ---------
Balance at December 31, 2011.      114      139           767     1,020
Incurred guaranteed benefits.       56      129           267       452
Paid guaranteed benefits.....     (25)       --            --      (25)
                              -------- --------     --------- ---------
Balance at December 31, 2012.      145      268         1,034     1,447
Incurred guaranteed benefits.       85       31           334       450
Paid guaranteed benefits.....     (15)       --            --      (15)
                              -------- --------     --------- ---------
Balance at December 31, 2013. $    215 $    299     $   1,368 $   1,882
                              ======== ========     ========= =========
Net                                                                    
Balance at January 1, 2011... $      3 $    184     $     239 $     426
Incurred guaranteed benefits.       25       86            30       141
Paid guaranteed benefits.....      (4)       --            --       (4)
                              -------- --------     --------- ---------
Balance at December 31, 2011.       24      270           269       563
Incurred guaranteed benefits.       52      273            65       390
Paid guaranteed benefits.....      (4)       --            --       (4)
                              -------- --------     --------- ---------
Balance at December 31, 2012.       72      543           334       949
Incurred guaranteed benefits.       70       96            81       247
Paid guaranteed benefits.....      (2)       --            --       (2)
                              -------- --------     --------- ---------
Balance at December 31, 2013. $    140 $    639     $     415 $   1,194
                              ======== ========     ========= =========

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

4. Insurance (continued)                                                        

Account balances of contracts with insurance guarantees were invested in    
separate account asset classes as follows at:                                   

                                                                [Download Table]

                    December 31,    
                 -------------------
                   2013      2012   
                 --------- ---------
                    (In millions)   
                                    
Fund Groupings:                     
Equity.......... $  46,559 $  39,113
Balanced........    41,894    37,528
Bond............     4,270     4,678
Money Market....       789       879
                 --------- ---------
 Total.......... $  93,512 $  82,198
                 ========= =========

Based on the type of guarantee, the Company defines net amount at risk      
("NAR") as listed below.                                                        

Variable Annuity Guarantees                                                   

In the Event of Death                                                       

 Defined as the death benefit less the total contract 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.

At Annuitization                                                            

Defined as the amount (if any) that would be required to be added to the
total contract 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.   

Universal and Variable Life Contracts                                         

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.        

 The amounts in the table below include direct business, but exclude offsets
from hedging or reinsurance, if any. See Note 6 for a discussion of certain   
living and death benefit guarantees which have been reinsured. Therefore, the 
NARs presented below reflect the economic exposures of living and death       
benefit guarantees associated with variable annuities, but not necessarily    
their impact on the Company.                                                  

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

4. Insurance (continued)                                                        

 Information regarding the types of guarantees relating to annuity contracts
and universal and variable life contracts was as follows at:                  

                                                        [Enlarge/Download Table]

                                                               December 31,                       
                                         ---------------------------------------------------------
                                                     2013                         2012            
                                         ---------------------------- ----------------------------
                                             In the          At           In the          At      
                                         Event of Death Annuitization Event of Death Annuitization
                                         -------------- ------------- -------------- -------------
                                                               (In millions)                      
                                                                                                  
Annuity Contracts (1)                                                                             
Variable Annuity Guarantees                                                                       
Total contract account value............  $   100,420    $    57,041   $    89,671    $    51,411 
Separate account value..................  $    95,637    $    55,805   $    84,106    $    49,778 
Net amount at risk......................  $     2,230    $       562   $     3,117    $     2,316 
Average attained age of contractholders.     64 years       64 years      63 years       63 years 

                                                                [Download Table]

                                                   December 31,      
                                              -----------------------
                                                 2013        2012    
                                              ----------- -----------
                                               Secondary Guarantees  
                                              -----------------------
                                                   (In millions)     
                                                                     
Universal and Variable Life Contracts (1)                            
Account value (general and separate account). $     6,360 $     5,812
Net amount at risk........................... $    91,264 $    86,468
Average attained age of policyholders........    58 years    58 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.                                            

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 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, 2013, 2012 and 2011, the        
Company issued $10.9 billion, $10.3 billion and $12.5 billion, respectively,    
and repaid $11.7 billion, $9.6 billion and $13.4 billion, respectively, of such 
funding agreements. At December 31, 2013 and 2012, liabilities for funding      
agreements outstanding, which are included in PABs, were $5.3 billion and $6.1  
billion, respectively.                                                          

 MetLife Insurance Company of Connecticut and MLI-USA, are members of regional
banks in the Federal Home Loan Bank ("FHLB") system ("FHLBanks"). Holdings of   
common stock of FHLBanks, included in equity securities, were as follows at:    

                                                                [Download Table]

                        December 31,     
                    ---------------------
                       2013       2012   
                    ---------- ----------
                        (In millions)    
                                         
FHLB of Boston..... $       64 $       67
FHLB of Pittsburgh. $       20 $       11

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

4. Insurance (continued)                                                        

The Company has also entered into funding agreements with FHLBanks and the  
Federal Agricultural Mortgage Corporation, a federally chartered                
instrumentality of the U.S. ("Farmer Mac"). The liability for such funding      
agreements is included in PABs. Information related to such funding agreements  
was as follows at:                                                              

                                                                [Download Table]

                             Liability           Collateral      
                        ------------------- ---------------------
                                      December 31,               
                        -----------------------------------------
                          2013      2012       2013       2012   
                        --------- --------- ---------- ----------
                                      (In millions)              
                                                                 
FHLB of Boston (1)..... $     450 $     450 $  808 (2) $  537 (2)
Farmer Mac (3)......... $     200 $     200 $      230 $      230
FHLB of Pittsburgh (1). $     200 $      -- $  602 (2) $  595 (2)

--------                                                                        

(1)Represents funding agreements issued to the applicable FHLBank in exchange   
for cash and for which such FHLBank has been granted a lien on certain    
assets, some of which are in the custody of such FHLBank, 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 such
 FHLBank 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, such FHLBank's recovery on the       
collateral is limited to the amount of the Company's liability to such    
FHLBank.                                                                  

(2)Advances are collateralized by mortgage-backed securities. The amount of     
collateral presented is at estimated fair value.                          

(3)Represents funding agreements issued to 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
 real estate mortgage loans and may, under certain circumstances, be secured
by other qualified collateral. The amount of collateral presented is at   
carrying value.                                                           

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

4. Insurance (continued)                                                        

Liabilities for Unpaid Claims and Claim Expenses                                

Information regarding the liabilities for unpaid claims and claim expenses  
relating to group accident and non-medical health policies and contracts, which 
are reported in future policy benefits and other policy-related balances, was   
as follows:                                                                     

                                                                [Download Table]

                                  Years Ended December 31, 
                                 --------------------------
                                   2013     2012     2011  
                                 -------- -------- --------
                                       (In millions)       
                                                           
Balance at January 1,........... $  1,216 $  1,079 $    978
 Less: Reinsurance recoverables.    1,124      980      878
                                 -------- -------- --------
Net balance at January 1,.......       92       99      100
                                 -------- -------- --------
Incurred related to:                                       
 Current year...................        5        5        5
 Prior years (1)................        4      (2)        4
                                 -------- -------- --------
   Total incurred...............        9        3        9
                                 -------- -------- --------
Paid related to:                                           
 Current year...................       --       --       --
 Prior years....................     (11)     (10)     (10)
                                 -------- -------- --------
   Total paid...................     (11)     (10)     (10)
                                 -------- -------- --------
Net balance at December 31,.....       90       92       99
 Add: Reinsurance recoverables..    1,235    1,124      980
                                 -------- -------- --------
Balance at December 31,......... $  1,325 $  1,216 $  1,079
                                 ======== ======== ========

--------                                                                        

(1)During 2013, 2012 and 2011, claims and claim adjustment expenses associated  
  with prior years changed due to differences between the actual benefits paid
and expected benefits owed during those periods.                          

Separate Accounts                                                               

Separate account assets and liabilities primarily include pass-through      
separate accounts totaling $97.6 billion and $85.9 billion at December 31, 2013 
and 2012, respectively, for which the policyholder assumes all investment risk. 

For the years ended December 31, 2013, 2012 and 2011, 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      
Policy-Related Intangibles                                                      

See Note 1 for a description of capitalized acquisition costs.              

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MetLife Insurance Company of Connecticut  
(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       
Policy-Related Intangibles (continued)                                      

Nonparticipating and Non-Dividend-Paying Traditional Contracts                  

 The Company amortizes DAC and VOBA related to these contracts (primarily term
insurance) over the appropriate premium paying period in proportion to the      
historic 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, 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 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.   
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 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 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 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 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 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 impact significantly 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               

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MetLife Insurance Company of Connecticut  
(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       
Policy-Related Intangibles (continued)                                      

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.                          

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 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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MetLife Insurance Company of Connecticut  
(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       
Policy-Related Intangibles (continued)                                      

Information regarding DAC and VOBA was as follows:                          

                                                        [Enlarge/Download Table]

                                                                    Years Ended December 31,   
                                                                  ---------------------------- 
                                                                    2013      2012      2011   
                                                                  --------  --------  -------- 
                                                                          (In millions)        
                                                                                               
DAC                                                                                            
Balance at January 1,............................................ $  3,079  $  3,215  $  2,718 
Capitalizations..................................................      504       886     1,365 
Amortization related to:                                                                       
 Net investment gains (losses) and net derivative gains (losses).      484      (331)     (339)
 Other expenses..................................................     (404)     (513)     (477)
                                                                  --------  --------  -------- 
   Total amortization............................................       80      (844)     (816)
                                                                  --------  --------  -------- 
Unrealized investment gains (losses).............................       80       (19)      (49)
Disposition and other (1), (2)...................................      138      (159)       (3)
                                                                  --------  --------  -------- 
Balance at December 31,..........................................    3,881     3,079     3,215 
                                                                  --------  --------  -------- 
VOBA                                                                                           
Balance at January 1,............................................      667     1,006     1,686 
Amortization related to:                                                                       
 Net investment gains (losses) and net derivative gains (losses).        5        --       (29)
 Other expenses..................................................     (135)     (191)     (314)
                                                                  --------  --------  -------- 
   Total amortization............................................     (130)     (191)     (343)
                                                                  --------  --------  -------- 
Unrealized investment gains (losses).............................      312      (148)     (337)
                                                                  --------  --------  -------- 
Balance at December 31,..........................................      849       667     1,006 
                                                                  --------  --------  -------- 
Total DAC and VOBA                                                                             
Balance at December 31,.......................................... $  4,730  $  3,746  $  4,221 
                                                                  ========  ========  ======== 

--------                                                                        

(1)The year ended December 31, 2013 includes $138 million that was reclassified 
to DAC from premiums, reinsurance and other receivables. The amounts      
reclassified relate to an affiliated reinsurance agreement accounted for  
  using the deposit method of accounting and represent the DAC amortization on
 the expense allowances ceded on the agreement from inception. These amounts
were previously included in the calculated value of the deposit receivable
on this agreement and recorded within premiums, reinsurance and other     
receivables.                                                              

(2)See Note 3 for information on the disposition of a subsidiary.               

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MetLife Insurance Company of Connecticut  
(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       
Policy-Related Intangibles (continued)                                      

Information regarding total DAC and VOBA by segment, as well as Corporate & 
Other, was as follows at:                                                       

                                                                [Download Table]

                             December 31,   
                           -----------------
                             2013     2012  
                           -------- --------
                             (In millions)  
                                            
Retail.................... $  4,698 $  3,738
Corporate Benefit Funding.        6        8
Corporate & Other.........       26       --
                           -------- --------
 Total.................... $  4,730 $  3,746
                           ======== ========

Information regarding other policy-related intangibles was as follows:      

                                                                [Download Table]

                            Years Ended December 31,
                            ----------------------- 
                             2013     2012    2011  
                            -------  ------- -------
                                 (In millions)      
                                                    
Deferred Sales Inducements                          
Balance at January 1,...... $   509  $   535 $   537
Capitalization.............       6       21      79
Amortization...............    (32)     (47)    (81)
                            -------  ------- -------
Balance at December 31,.... $   483  $   509 $   535
                            =======  ======= =======
VODA and VOCRA                                      
Balance at January 1,...... $   175  $   190 $   203
Amortization...............    (16)     (15)    (13)
                            -------  ------- -------
Balance at December 31,.... $   159  $   175 $   190
                            =======  ======= =======
Accumulated amortization... $    81  $    65 $    50
                            =======  ======= =======

The estimated future amortization expense to be reported in other expenses  
for the next five years is as follows:                                          

                                                                [Download Table]

                                    VOBA      VODA and VOCRA
                               -------------- --------------
                                       (In millions)        
                                                            
2014.......................... $          176 $          17 
2015.......................... $          141 $          17 
2016.......................... $          114 $          15 
2017.......................... $           94 $          14 
2018.......................... $           78 $          13 

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.                                                              

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

6. Reinsurance (continued)                                                      

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 7.               

Retail                                                                          

The Company's Retail Annuities business reinsures 100% of the living and    
death benefit guarantees issued in connection with most of its variable         
annuities issued since 2006 to an affiliated reinsurer and certain portions of  
the living and death benefit guarantees issued in connection with its variable  
annuities issued prior to 2006 to affiliated and unaffiliated reinsurers. Under 
these reinsurance agreements, the Company pays a reinsurance premium generally  
based on fees associated with the guarantees collected from policyholders, and  
receives reimbursement for benefits paid or accrued in excess of account        
values, subject to certain limitations. The Company also reinsures 90% of its   
fixed annuities to an affiliated reinsurer. The value of the embedded           
derivatives on the ceded risk is determined using a methodology consistent with 
the guarantees directly written by the Company with the exception of the input  
for nonperformance risk that reflects the credit of the reinsurer.              

For its Retail Life & Other insurance products, the Company has historically
reinsured the mortality risk primarily on an excess of retention basis or on a  
quota share basis. The Company currently reinsures 100% of the mortality risk   
in excess of $100,000 per life for most new policies and reinsures up to 100%   
of the mortality risk for certain other policies. 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. The Company also reinsures the risk associated with secondary  
death benefit guarantees on certain universal life insurance policies to        
affiliates. The Company evaluates its reinsurance programs routinely and may    
increase or decrease its retention at any time.                                 

Corporate Benefit Funding                                                       

The Company's Corporate Benefit Funding segment has periodically engaged in 
reinsurance activities, on an opportunistic basis. The impact of these          
activities on the financial results of this segment has not been significant    
and there were no additional transactions during the periods presented.         

Corporate & Other                                                               

The Company also reinsures, through 100% quota share reinsurance agreements,
certain run-off LTC and workers' compensation business written by the Company.  

Catastrophe Coverage                                                            

The Company has exposure to catastrophes, which could contribute to         
significant fluctuations in the Company's results of operations. The Company    
uses excess of retention and quota share reinsurance agreements to provide      
greater diversification of risk and minimize exposure to larger risks.          

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

6. Reinsurance (continued)                                                      

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, 2013 and 2012, 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 $2.0 billion and $2.2 billion of 
unsecured unaffiliated reinsurance recoverable balances at December 31, 2013    
and 2012, respectively.                                                         

At December 31, 2013, the Company had $7.5 billion of net unaffiliated ceded
reinsurance recoverables. Of this total, $6.7 billion, or 89%, were with the    
Company's five largest unaffiliated ceded reinsurers, including $1.2 billion of 
net unaffiliated ceded reinsurance recoverables which were unsecured. At        
December 31, 2012, the Company had $7.2 billion of net unaffiliated ceded       
reinsurance recoverables. Of this total, $6.5 billion, or 90%, were with the    
Company's five largest unaffiliated ceded reinsurers, including $1.4 billion of 
net unaffiliated ceded reinsurance recoverables which were unsecured.           

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

6. Reinsurance (continued)                                                      

The amounts in 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,   
                                                                ---------------------------- 
                                                                  2013      2012      2011   
                                                                --------  --------  -------- 
                                                                        (In millions)        
                                                                                             
Premiums                                                                                     
 Direct premiums............................................... $  1,561  $  2,063  $  2,429 
 Reinsurance assumed...........................................       10        11         7 
 Reinsurance ceded.............................................     (965)     (813)     (608)
                                                                --------  --------  -------- 
   Net premiums................................................ $    606  $  1,261  $  1,828 
                                                                ========  ========  ======== 
Universal life and investment-type product policy fees                                       
 Direct universal life and investment-type product policy fees. $  3,248  $  2,972  $  2,572 
 Reinsurance assumed...........................................       84        87        92 
 Reinsurance ceded.............................................     (996)     (798)     (708)
                                                                --------  --------  -------- 
   Net universal life and investment-type product policy fees.. $  2,336  $  2,261  $  1,956 
                                                                ========  ========  ======== 
Other revenues                                                                               
 Direct other revenues......................................... $    259  $    231  $    209 
 Reinsurance assumed...........................................       --        --        -- 
 Reinsurance ceded.............................................      333       280       299 
                                                                --------  --------  -------- 
   Net other revenues.......................................... $    592  $    511  $    508 
                                                                ========  ========  ======== 
Policyholder benefits and claims                                                             
 Direct policyholder benefits and claims....................... $  3,732  $  4,139  $  4,277 
 Reinsurance assumed...........................................       15        23        20 
 Reinsurance ceded.............................................   (2,040)   (1,773)   (1,637)
                                                                --------  --------  -------- 
   Net policyholder benefits and claims........................ $  1,707  $  2,389  $  2,660 
                                                                ========  ========  ======== 
Interest credited to policyholder account balances                                           
 Direct interest credited to policyholder account balances..... $  1,089  $  1,185  $  1,206 
 Reinsurance assumed...........................................       73        71        68 
 Reinsurance ceded.............................................     (125)     (109)      (85)
                                                                --------  --------  -------- 
   Net interest credited to policyholder account balances...... $  1,037  $  1,147  $  1,189 
                                                                ========  ========  ======== 
Other expenses                                                                               
 Direct other expenses......................................... $  1,568  $  2,562  $  2,781 
 Reinsurance assumed...........................................       28        33        48 
 Reinsurance ceded.............................................       63       125       152 
                                                                --------  --------  -------- 
   Net other expenses.......................................... $  1,659  $  2,720  $  2,981 
                                                                ========  ========  ======== 

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

6. Reinsurance (continued)                                                      

The amounts in 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,                                   
                              ---------------------------------------------------------------------------------
                                                2013                                     2012                  
                              ---------------------------------------- ----------------------------------------
                                                               Total                                    Total  
                                                              Balance                                  Balance 
                                Direct   Assumed    Ceded      Sheet     Direct   Assumed    Ceded      Sheet  
                              ---------- -------- ---------  --------- ---------- -------- ---------  ---------
                                                                (In millions)                                  
                                                                                                               
Assets                                                                                                         
Premiums, reinsurance and                                                                                      
 other receivables........... $      221 $     28 $  20,360  $  20,609 $      396 $     35 $  21,496  $  21,927
Deferred policy acquisition                                                                                    
 costs and value of business                                                                                   
 acquired....................      5,191      123      (584)     4,730      4,264      121      (639)     3,746
                              ---------- -------- ---------  --------- ---------- -------- ---------  ---------
  Total assets............... $    5,412 $    151 $  19,776  $  25,339 $    4,660 $    156 $  20,857  $  25,673
                              ========== ======== =========  ========= ========== ======== =========  =========
Liabilities                                                                                                    
Other policy-related                                                                                           
 balances.................... $      712 $  1,641 $     811  $   3,164 $      691 $  1,592 $     855  $   3,138
Other liabilities............      1,257       10     5,509      6,776      1,396       11     5,140      6,547
                              ---------- -------- ---------  --------- ---------- -------- ---------  ---------
  Total liabilities.......... $    1,969 $  1,651 $   6,320  $   9,940 $    2,087 $  1,603 $   5,995  $   9,685
                              ========== ======== =========  ========= ========== ======== =========  =========

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 $4.6       
billion and $4.7 billion at December 31, 2013 and 2012, respectively. There     
were no deposit liabilities on reinsurance at both December 31, 2013 and 2012.  

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

6. Reinsurance (continued)                                                      

Related Party Reinsurance Transactions                                          

The Company has reinsurance agreements with certain MetLife subsidiaries,   
including MLIC, MetLife Reinsurance Company of South Carolina, Exeter, General  
American Life Insurance Company, MLIIC, MetLife Reinsurance Company of Vermont  
and MetLife Reinsurance Company of Delaware ("MRD"), all of which are related   
parties.                                                                        

Information regarding the significant effects of affiliated reinsurance     
included in the consolidated statements of operations was as follows:           

                                                        [Enlarge/Download Table]

                                                                Years Ended December 31, 
                                                               ------------------------- 
                                                                 2013     2012     2011  
                                                               -------  -------  ------- 
                                                                     (In millions)       
                                                                                         
Premiums                                                                                 
 Reinsurance assumed.......................................... $    10  $    11  $     7 
 Reinsurance ceded............................................    (638)    (478)    (286)
                                                               -------  -------  ------- 
   Net premiums............................................... $  (628) $  (467) $  (279)
                                                               =======  =======  ======= 
Universal life and investment-type product policy fees                                   
 Reinsurance assumed.......................................... $    84  $    87  $    92 
 Reinsurance ceded............................................    (585)    (444)    (400)
                                                               -------  -------  ------- 
   Net universal life and investment-type product policy fees. $  (501) $  (357) $  (308)
                                                               =======  =======  ======= 
Other revenues                                                                           
 Reinsurance assumed.......................................... $    --  $    --  $    -- 
 Reinsurance ceded............................................     332      280      299 
                                                               -------  -------  ------- 
   Net other revenues......................................... $   332  $   280  $   299 
                                                               =======  =======  ======= 
Policyholder benefits and claims                                                         
 Reinsurance assumed.......................................... $    13  $    21  $    18 
 Reinsurance ceded............................................    (800)    (780)    (484)
                                                               -------  -------  ------- 
   Net policyholder benefits and claims....................... $  (787) $  (759) $  (466)
                                                               =======  =======  ======= 
Interest credited to policyholder account balances                                       
 Reinsurance assumed.......................................... $    73  $    71  $    68 
 Reinsurance ceded............................................    (125)    (109)     (84)
                                                               -------  -------  ------- 
   Net interest credited to policyholder account balances..... $   (52) $   (38) $   (16)
                                                               =======  =======  ======= 
Other expenses                                                                           
 Reinsurance assumed.......................................... $    28  $    33  $    48 
 Reinsurance ceded............................................      92      157      204 
                                                               -------  -------  ------- 
   Net other expenses......................................... $   120  $   190  $   252 
                                                               =======  =======  ======= 

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MetLife Insurance Company of Connecticut  
(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 in the consolidated balance sheets was as follows at:                  

                                                        [Enlarge/Download Table]

                                                                      December 31,              
                                                         -------------------------------------- 
                                                                2013                2012        
                                                         ------------------  ------------------ 
                                                         Assumed    Ceded    Assumed    Ceded   
                                                         -------- ---------  -------- --------- 
                                                                      (In millions)             
                                                                                                
Assets                                                                                          
Premiums, reinsurance and other receivables............. $     28 $  12,710  $     35 $  14,171 
Deferred policy acquisition costs and value of business                                         
  acquired..............................................      122      (579)      121      (642)
                                                         -------- ---------  -------- --------- 
 Total assets........................................... $    150 $  12,131  $    156 $  13,529 
                                                         ======== =========  ======== ========= 
Liabilities                                                                                     
Other policy-related balances........................... $  1,640 $     811  $  1,592 $     855 
Other liabilities.......................................        9     5,260        10     4,894 
                                                         -------- ---------  -------- --------- 
 Total liabilities...................................... $  1,649 $   6,071  $  1,602 $   5,749 
                                                         ======== =========  ======== ========= 

Effective October 1, 2012, MLI-USA entered into a reinsurance agreement to  
cede two blocks of business to MRD, on a 90% coinsurance with funds withheld    
basis. The agreement covers certain term and certain universal life policies    
issued in 2012 by MLI-USA and was amended in 2013 to include certain term and   
universal life policies issued by MLI-USA through December 31, 2013. The        
agreement transfers risk to MRD and, therefore, is accounted for as             
reinsurance. As a result of the agreement, affiliated reinsurance recoverables, 
included in premiums, reinsurance and other receivables, were $917 million and  
$407 million at December 31, 2013 and 2012, respectively. MLI-USA also recorded 
a funds withheld liability and other reinsurance payables, included in other    
liabilities, which were $798 million and $438 million at December 31, 2013 and  
2012, respectively. Certain contractual features of this agreement qualify as   
embedded derivatives, which are separately accounted for at 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 ($14) million and $6 million at December 31, 2013 and 
2012, respectively. The Company's consolidated statements of operations         
reflected a loss for this agreement of $50 million and $37 million for the      
years ended December 31, 2013 and 2012, respectively, which included net        
derivative gains (losses) of $20 million and ($6) million for the years ended   
December 31, 2013 and 2012, respectively, related to the embedded derivative.   

The Company ceded risks to affiliates related to guaranteed minimum benefit 
guarantees written directly by the Company. These ceded reinsurance agreements  
contain embedded derivatives and changes in their 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 assets of $912 million and $3.6 billion at December 31, 2013 and 2012, 
respectively. Net derivative gains (losses) associated with the embedded        
derivatives were ($3.0) billion, $524 million, and $1.6 billion for the years   
ended December 31, 2013, 2012 and 2011, respectively.                           

MLI-USA ceded two blocks of business to an affiliate on a 90% coinsurance   
with funds withheld basis. Certain contractual features of this agreement       
qualify as embedded derivatives, which are separately accounted for at          
estimated fair value on the Company's consolidated balance sheets. The embedded 
derivative related to the                                                       

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

6. Reinsurance (continued)                                                      

funds withheld associated with this reinsurance agreement is included within    
other liabilities and increased the funds withheld balance by $48 million and   
$546 million at December 31, 2013 and 2012, respectively. Net derivative gains  
(losses) associated with the embedded derivatives were $498 million, ($107)     
million and ($434) million for the years ended December 31, 2013, 2012 and      
2011, respectively.                                                             

 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 $5.9 billion and $6.1 billion of 
unsecured affiliated reinsurance recoverable balances at December 31, 2013 and  
2012, 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 $4.4 billion and $4.6 billion at December 31, 2013 and 2012,   
respectively. There were no deposit liabilities on affiliated reinsurance at    
both December 31, 2013 and 2012.                                                

7. Investments                                                                  

 See Note 9 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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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. 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").                                          

                                                        [Enlarge/Download Table]

                                               December 31, 2013                             December 31, 2012              
                                 --------------------------------------------- ---------------------------------------------
                                               Gross Unrealized                              Gross Unrealized               
                                  Cost or  ------------------------- Estimated  Cost or  ------------------------- Estimated
                                 Amortized          Temporary  OTTI    Fair    Amortized          Temporary  OTTI    Fair   
                                   Cost     Gains    Losses   Losses   Value     Cost     Gains    Losses   Losses   Value  
                                 --------- -------- --------- ------ --------- --------- -------- --------- ------ ---------
                                                                        (In millions)                                       
                                                                                                                            
Fixed maturity securities                                                                                                   
U.S. corporate.................. $  15,779 $  1,130 $     207 $  --  $  16,702 $  16,914 $  2,063 $      82 $  --  $  18,895
Foreign corporate...............     8,111      485        79    --      8,517     8,618      853        26    --      9,445
U.S. Treasury and agency........     8,188      334       228    --      8,294     7,678    1,186        --    --      8,864
RMBS............................     4,587      201        59    41      4,688     5,492      360        50    64      5,738
State and political subdivision.     2,147      139        62    --      2,224     2,002      354        27    --      2,329
ABS.............................     2,081       32        12    --      2,101     2,204       67        18    --      2,253
CMBS............................     1,546       62         4    --      1,604     2,221      141         6    --      2,356
Foreign government..............     1,038      103        19    --      1,122       876      214         2    --      1,088
                                 --------- -------- --------- -----  --------- --------- -------- --------- -----  ---------
 Total fixed maturity                                                                                                       
  securities.................... $  43,477 $  2,486 $     670 $  41  $  45,252 $  46,005 $  5,238 $     211 $  64  $  50,968
                                 ========= ======== ========= =====  ========= ========= ======== ========= =====  =========
Equity securities                                                                                                           
Non-redeemable preferred                                                                                                    
 stock.......................... $     236 $      9 $      28 $  --  $     217 $     151 $     11 $      22 $  --  $     140
Common stock....................       161       40        --    --        201       160       18         1    --        177
                                 --------- -------- --------- -----  --------- --------- -------- --------- -----  ---------
 Total equity securities........ $     397 $     49 $      28 $  --  $     418 $     311 $     29 $      23 $  --  $     317
                                 ========= ======== ========= =====  ========= ========= ======== ========= =====  =========

The Company held non-income producing fixed maturity securities with an   
estimated fair value of $30 million and $22 million with unrealized gains     
(losses) of $6 million and $3 million at December 31, 2013 and 2012,          
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 single class and multi-class mortgage-backed and   
ABS are estimated using inputs obtained from third-party specialists and based
on management's knowledge of the current market. For credit-sensitive         
mortgage-backed and ABS and certain prepayment-sensitive securities, the      
effective yield is recalculated on a prospective basis. For all other         
mortgage-backed and ABS, the effective yield is recalculated on a             
retrospective basis.                                                          

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. 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:                                

                                                                [Download Table]

                                                         December 31,              
                                            ---------------------------------------
                                                   2013                2012        
                                            ------------------- -------------------
                                                      Estimated           Estimated
                                            Amortized   Fair    Amortized   Fair   
                                              Cost      Value     Cost      Value  
                                            --------- --------- --------- ---------
                                                         (In millions)             
                                                                                   
Due in one year or less.................... $   2,934 $   2,966 $   4,831 $   4,875
Due after one year through five years......     8,895     9,301     8,646     9,192
Due after five years through ten years.....     7,433     7,970     7,967     8,960
Due after ten years........................    16,001    16,622    14,644    17,594
                                            --------- --------- --------- ---------
   Subtotal................................    35,263    36,859    36,088    40,621
Structured securities (RMBS, ABS and CMBS).     8,214     8,393     9,917    10,347
                                            --------- --------- --------- ---------
       Total fixed maturity securities..... $  43,477 $  45,252 $  46,005 $  50,968
                                            ========= ========= ========= =========

  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.  
RMBS, ABS and CMBS are shown separately, as they are not due at a single      
maturity.                                                                     

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

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.                                

                                                        [Enlarge/Download Table]

                                              December 31, 2013                         December 31, 2012            
                                  ----------------------------------------- -----------------------------------------
                                                       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  
                                  --------- ---------- --------- ---------- --------- ---------- --------- ----------
                                                      (In millions, except number of securities)                     
                                                                                                                     
Fixed maturity securities                                                                                            
U.S. corporate................... $   2,526  $   141   $    470    $   66   $    784    $   16   $    621    $   66  
Foreign corporate................     1,520       70        135         9        494         8        203        18  
U.S. Treasury and agency.........     3,825      228         --        --        200        --         --        --  
RMBS.............................       996       35        457        65         62         6        781       108  
State and political subdivision..       630       44         64        18         44         2         55        25  
ABS..............................       680        5        104         7        208         1        266        17  
CMBS.............................       143        4          7        --         59         1        101         5  
Foreign government...............       264       19          1        --        116         2         --        --  
                                  ---------  -------   --------    ------   --------    ------   --------    ------  
  Total fixed maturity                                                                                               
   securities.................... $  10,584  $   546   $  1,238    $  165   $  1,967    $   36   $  2,027    $  239  
                                  =========  =======   ========    ======   ========    ======   ========    ======  
Equity securities                                                                                                    
Non-redeemable preferred                                                                                             
 stock........................... $     105  $    21   $     33    $    7   $     --    $   --   $     50    $   22  
Common stock.....................         3       --          7        --         10         1          7        --  
                                  ---------  -------   --------    ------   --------    ------   --------    ------  
  Total equity securities........ $     108  $    21   $     40    $    7   $     10    $    1   $     57    $   22  
                                  =========  =======   ========    ======   ========    ======   ========    ======  
Total number of securities in an                                                                                     
 unrealized loss position........     1,081                 297                  327                  420            
                                  =========            ========             ========             ========            

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                                          

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

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; and (viii) 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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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. 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 has concluded that these securities are not         
 other-than-temporarily impaired at December 31, 2013. Future OTTI will depend
primarily on economic fundamentals, issuer performance (including changes in
 the present value of future cash flows expected to be collected), and 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 increased $436 million
during the year ended December 31, 2013 from $275 million to $711 million.  
 The increase in gross unrealized losses for the year ended December 31, 2013,
 was primarily attributable to an increase in interest rates, partially offset
by narrowing credit spreads.                                                

At December 31, 2013, $61 million of the total $711 million of gross    
unrealized losses were from 18 fixed maturity securities with an unrealized 
loss position of 20% or more of amortized cost for six months or greater.   

Investment Grade Fixed Maturity Securities                                  

  Of the $61 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 67%, are related to gross unrealized losses on 13  
investment grade fixed maturity securities. Unrealized losses on investment 
grade fixed maturity securities are principally related to widening credit  
spreads, and with respect to fixed-rate fixed maturity securities, rising   
interest rates since purchase.                                              

Below Investment Grade Fixed Maturity Securities                            

  Of the $61 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, $20 million, or 33%, are related to gross unrealized losses on five
below investment grade fixed maturity securities. Unrealized losses on below
investment grade fixed maturity securities are principally related to       
non-agency RMBS (primarily alternative residential mortgage loans) and are  
the result of significantly wider credit spreads resulting from higher risk 
premiums since purchase, largely due to economic and market uncertainties   
including concerns over unemployment levels and valuations of residential   
real estate supporting non-agency RMBS. Management evaluates non-agency RMBS

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

based on actual and projected 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.                                                  

Equity Securities                                                           

Gross unrealized losses on equity securities increased $5 million during
the year ended December 31, 2013 from $23 million to $28 million. Of the $28
million, $5 million were from two equity securities with gross unrealized   
losses of 20% or more of cost for 12 months or greater, all of which were   
financial services industry investment grade non-redeemable preferred stock,
of which 40% were rated A or better.                                        

Mortgage Loans                                                                  

Mortgage Loans by Portfolio Segment                                           

Mortgage loans are summarized as follows at:                                

                                                        [Enlarge/Download Table]

                                                                December 31,                
                                                --------------------------------------------
                                                        2013                   2012         
                                                --------------------- ----------------------
                                                  Carrying     % of     Carrying     % of   
                                                    Value      Total      Value      Total  
                                                ------------- ------- ------------- --------
                                                (In millions)         (In millions)         
                                                                                            
Mortgage loans:                                                                             
 Commercial....................................   $  4,869      63.1%   $  5,266       57.5%
 Agricultural..................................      1,285       16.6      1,260        13.8
                                                  --------    -------   --------    --------
   Subtotal (1)................................      6,154       79.7      6,526        71.3
 Valuation allowances..........................        (34)     (0.4)        (35)      (0.4)
                                                  --------    -------   --------    --------
   Subtotal mortgage loans, net................      6,120       79.3      6,491        70.9
 Commercial mortgage loans held by CSEs -- FVO.      1,598       20.7      2,666        29.1
                                                  --------    -------   --------    --------
     Total mortgage loans, net.................   $  7,718     100.0%   $  9,157      100.0%
                                                  ========    =======   ========    ========

--------                                                                        

(1)Purchases of mortgage loans were $10 million and $27 million for the years   
ended December 31, 2013 and 2012, respectively.                           

See "-- Variable Interest Entities" for discussion of CSEs.             

See "-- Related Party Investment Transactions" for discussion of related
party mortgage loans.                                                       

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

Mortgage Loans and Valuation Allowance by Portfolio Segment                   

The carrying value prior to valuation allowance ("recorded investment") in
mortgage loans, by portfolio segment, by method of evaluation of credit loss, 
and the related valuation allowances, by type of credit loss, were as follows 
at:                                                                           

                                                        [Enlarge/Download Table]

                                                                     December 31,                          
                                            ---------------------------------------------------------------
                                                         2013                            2012              
                                            ------------------------------- -------------------------------
                                            Commercial Agricultural  Total  Commercial Agricultural  Total 
                                            ---------- ------------ ------- ---------- ------------ -------
                                                                     (In millions)                         
                                                                                                           
Mortgage loans:                                                                                            
 Evaluated individually for credit losses..  $    72     $     4    $    76  $    76     $    --    $    76
 Evaluated collectively for credit losses..    4,797       1,281      6,078    5,190       1,260      6,450
                                             -------     -------    -------  -------     -------    -------
   Total mortgage loans....................    4,869       1,285      6,154    5,266       1,260      6,526
                                             -------     -------    -------  -------     -------    -------
Valuation allowances:                                                                                      
 Specific credit losses....................        7          --          7       11          --         11
 Non-specifically identified credit losses.       23           4         27       21           3         24
                                             -------     -------    -------  -------     -------    -------
   Total valuation allowances..............       30           4         34       32           3         35
                                             -------     -------    -------  -------     -------    -------
     Mortgage loans, net of valuation                                                                      
       allowance...........................  $ 4,839     $ 1,281    $ 6,120  $ 5,234     $ 1,257    $ 6,491
                                             =======     =======    =======  =======     =======    =======

Valuation Allowance Rollforward by Portfolio Segment                          

The changes in the valuation allowance, by portfolio segment, were as     
follows:                                                                      

                                                                [Download Table]

                                Commercial Agricultural  Total 
                                ---------- ------------ -------
                                         (In millions)         
                                                               
Balance at January 1, 2011.....  $    84      $    3    $    87
Provision (release)............     (26)          --       (26)
Charge-offs, net of recoveries.       --          --         --
                                 -------      ------    -------
Balance at December 31, 2011...       58           3         61
Provision (release)............     (26)          --       (26)
Charge-offs, net of recoveries.       --          --         --
                                 -------      ------    -------
Balance at December 31, 2012...       32           3         35
Provision (release)............      (2)           1        (1)
Charge-offs, net of recoveries.       --          --         --
                                 -------      ------    -------
Balance at December 31, 2013...  $    30      $    4    $    34
                                 =======      ======    =======

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 both portfolio    
segments as the excess carrying                                             

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

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 both 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 captures 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. All agricultural mortgage loans
are monitored on an ongoing basis. 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. 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 loan-to-value ratio, as well as the values utilized in calculating
 these ratios, are updated annually, on a rolling basis, with a portion of the
loan portfolio updated each quarter.                                        

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

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.                          

Credit Quality of Commercial Mortgage Loans                                   

The credit quality of commercial mortgage loans, were as follows at:      

                                                        [Enlarge/Download Table]

                                    Recorded Investment                                   
                       ----------------------------------------------                     
                        Debt Service Coverage Ratios                                      
                       ------------------------------          % of     Estimated   % of  
                       > 1.20x  1.00x - 1.20x < 1.00x  Total   Total   Fair Value   Total 
                       -------- ------------- ------- -------- ------ ------------- ------
                                    (In millions)                     (In millions)       
                                                                                          
December 31, 2013:                                                                        
Loan-to-value ratios:                                                                     
Less than 65%......... $  3,754    $  125     $  107  $  3,986  81.9%   $  4,224     82.8%
65% to 75%............      700        --         27       727   14.9        736      14.4
76% to 80%............       80        13         --        93    1.9         93       1.8
Greater than 80%......       37        26         --        63    1.3         53       1.0
                       --------    ------     ------  -------- ------   --------    ------
 Total................ $  4,571    $  164     $  134  $  4,869 100.0%   $  5,106    100.0%
                       ========    ======     ======  ======== ======   ========    ======
December 31, 2012:                                                                        
Loan-to-value ratios:                                                                     
Less than 65%......... $  3,888    $  106     $   89  $  4,083  77.5%   $  4,459     78.5%
65% to 75%............      626        32         27       685   13.0        711      12.5
76% to 80%............      343         8         57       408    7.8        428       7.6
Greater than 80%......       39        28         23        90    1.7         81       1.4
                       --------    ------     ------  -------- ------   --------    ------
 Total................ $  4,896    $  174     $  196  $  5,266 100.0%   $  5,679    100.0%
                       ========    ======     ======  ======== ======   ========    ======

Credit Quality of Agricultural Mortgage Loans                                 

The credit quality of agricultural mortgage loans, were as follows at:    

                                                                [Download Table]

                                       December 31,                 
                       ---------------------------------------------
                                2013                   2012         
                       ---------------------- ----------------------
                         Recorded     % of      Recorded     % of   
                        Investment    Total    Investment    Total  
                       ------------- -------- ------------- --------
                       (In millions)          (In millions)         
                                                                    
Loan-to-value ratios:                                               
Less than 65%.........   $  1,215       94.6%   $  1,184       94.0%
65% to 75%............         70         5.4         76         6.0
                         --------    --------   --------    --------
 Total................   $  1,285      100.0%   $  1,260      100.0%
                         ========    ========   ========    ========

 The estimated fair value of agricultural mortgage loans was $1.3 billion at
both December 31, 2013 and 2012.                                              

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

Past Due and Interest Accrual Status of 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,    
2013 and 2012. The Company defines delinquency consistent with industry         
practice, when mortgage loans are past due as follows: commercial mortgage      
loans -- 60 days and agricultural mortgage loans -- 90 days. The Company had no 
agricultural mortgage loans past due and one commercial mortgage loan in        
non-accrual status with a recorded investment of $22 million at December 31,    
2013. The Company had no mortgage loans past due and no loans in nonaccrual     
status at December 31, 2012.                                                    

Impaired Mortgage Loans                                                       

Impaired mortgage loans, including those modified in a troubled debt      
restructuring, by portfolio segment, were as follows at and for the years     
ended:                                                                        

                                                        [Enlarge/Download Table]

                                                              Loans without                                            
                      Loans with a Valuation Allowance     a Valuation Allowance           All Impaired Loans          
                  ---------------------------------------- --------------------  --------------------------------------
                   Unpaid                                   Unpaid                Unpaid             Average           
                  Principal  Recorded  Valuation  Carrying Principal   Recorded  Principal Carrying  Recorded  Interest
                   Balance  Investment Allowances  Value    Balance   Investment  Balance   Value   Investment  Income 
                  --------- ---------- ---------- -------- ---------  ---------- --------- -------- ---------- --------
                                                             (In millions)                                             
                                                                                                                       
December 31, 2013:                                                                                                     
Commercial.......  $   22    $     22   $      7  $    15   $    52    $    50    $   74    $   65   $    73    $   3  
Agricultural (1).       4           4         --        4        --         --         4         4         2       --  
                   ------    --------   --------  -------   -------    -------    ------    ------   -------    -----  
  Total..........  $   26    $     26   $      7  $    19   $    52    $    50    $   78    $   69   $    75    $   3  
                   ======    ========   ========  =======   =======    =======    ======    ======   =======    =====  
December 31, 2012:                                                                                                     
Commercial.......  $   76    $     76   $     11  $    65   $    --    $    --    $   76    $   65   $    67    $   2  
Agricultural.....      --          --         --       --        --         --        --        --        --       --  
                   ------    --------   --------  -------   -------    -------    ------    ------   -------    -----  
  Total..........  $   76    $     76   $     11  $    65   $    --    $    --    $   76    $   65   $    67    $   2  
                   ======    ========   ========  =======   =======    =======    ======    ======   =======    =====  

--------                                                                        

(1)Valuation allowance on agricultural mortgage loans was less than $1 million  
for the year ended December 31, 2013.                                     

Unpaid principal balance is generally prior to any charge-offs. Interest  
income recognized is primarily cash basis income. The average recorded        
investment for commercial and agricultural mortgage loans was $29 million and 
$4 million, respectively, for the year ended December 31, 2011; and interest  
income recognized for commercial and agricultural mortgage loans was $2       
million and $0, respectively, for the year ended December 31, 2011.           

Mortgage Loans Modified in a Troubled Debt Restructuring                      

For a small portion of the mortgage loan portfolio, classified as troubled
debt restructurings, concessions are granted related to borrowers experiencing
financial difficulties. 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 concession granted is  
considered in determining any impairment or changes in the specific valuation 
allowance recorded                                                            

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

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. Accordingly, the  
carrying value (after specific valuation allowance) before and after          
modification through a troubled debt restructuring may not change             
significantly, or may increase if the expected recovery is higher than the    
pre-modification recovery assessment.                                         

The Company had one agricultural mortgage loan modified in a troubled debt  
restructuring with a pre-modification and post-modification carrying value of   
$4 million during the year ended December 31, 2013. There were no agricultural  
mortgage loans modified in a troubled debt restructuring during the year ended  
December 31, 2012. There were no commercial mortgage loans modified in a        
troubled debt restructuring during the year ended December 31, 2013. The        
Company had one commercial mortgage loan modified during the year ended         
December 31, 2012 in a troubled debt restructuring which had a carrying value   
after specific valuation allowance of $53 million pre-modification and $48      
million post-modification.                                                      

There were no mortgage loans during the previous 12 months modified in a    
troubled debt restructuring with a subsequent payment default at December 31,   
2013 and 2012. Payment default is determined in the same manner as delinquency  
status as described above.                                                      

Other Invested Assets                                                           

 Other invested assets is comprised primarily of freestanding derivatives with
positive estimated fair values (see Note 8), loans to affiliates (see "--       
Related Party Investment Transactions), tax credit and renewable energy         
partnerships and leveraged leases.                                              

Leveraged Leases                                                              

Investment in leveraged leases consisted of the following at:             

                                                        [Enlarge/Download Table]

                                                                        December 31,    
                                                                     -------------------
                                                                       2013      2012   
                                                                     --------- ---------
                                                                        (In millions)   
                                                                                        
Rental receivables, net............................................. $      92 $      92
Estimated residual values...........................................        14        14
                                                                     --------- ---------
   Subtotal.........................................................       106       106
Unearned income.....................................................      (35)      (37)
                                                                     --------- ---------
       Investment in leveraged leases, net of non-recourse debt..... $      71 $      69
                                                                     ========= =========

Rental receivables are generally due in periodic installments. The payment
periods range from two to 19 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, 2013 and 2012, all rental receivables were performing.        

The deferred income tax liability related to leveraged leases was $63     
million and $53 million at December 31, 2013 and 2012, respectively.          

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

 The components of income from investment in leveraged leases, excluding net
investment gains (losses), were as follows:                                   

                                                        [Enlarge/Download Table]

                                                                  Years Ended December 31, 
                                                                 --------------------------
                                                                   2013     2012     2011  
                                                                 -------- -------- --------
                                                                       (In millions)       
                                                                                           
Income from investment in leveraged leases...................... $      2 $      5 $      8
Less: Income tax expense on leveraged leases....................        1        2        3
                                                                 -------- -------- --------
Investment income after income tax from investment in leveraged                            
  leases........................................................ $      1 $      3 $      5
                                                                 ======== ======== ========

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 $469 million and $654 million at December 31, 2013    
and 2012, respectively.                                                         

Net Unrealized Investment Gains (Losses)                                        

 The components of net unrealized investment gains (losses), included in AOCI,
were as follows:                                                                

                                                        [Enlarge/Download Table]

                                                                          Years Ended December 31,  
                                                                        ----------------------------
                                                                          2013     2012      2011   
                                                                        -------- -------- ----------
                                                                               (In millions)        
                                                                                                    
Fixed maturity securities.............................................. $  1,819 $  5,019 $    3,690
Fixed maturity securities with noncredit OTTI losses in AOCI...........     (41)     (64)      (125)
                                                                        -------- -------- ----------
 Total fixed maturity securities.......................................    1,778    4,955      3,565
Equity securities......................................................       15       12       (41)
Derivatives............................................................       39      243        239
Short-term investments.................................................        1      (2)        (2)
Other..................................................................     (71)     (17)        (5)
                                                                        -------- -------- ----------
 Subtotal..............................................................    1,762    5,191      3,756
                                                                        -------- -------- ----------
Amounts allocated from:                                                                             
 Insurance liability loss recognition..................................       --    (739)      (325)
 DAC and VOBA related to noncredit OTTI losses recognized in                                        
   AOCI................................................................      (1)        4          9
 DAC and VOBA..........................................................    (274)    (671)      (509)
                                                                        -------- -------- ----------
   Subtotal............................................................    (275)  (1,406)      (825)
Deferred income tax benefit (expense) related to noncredit OTTI losses                              
  recognized in AOCI...................................................       16       22         42
Deferred income tax benefit (expense)..................................    (591)  (1,358)    (1,063)
                                                                        -------- -------- ----------
Net unrealized investment gains (losses)............................... $    912 $  2,449 $    1,910
                                                                        ======== ======== ==========

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

The changes in fixed maturity securities with noncredit OTTI losses included
in AOCI were as follows:                                                        

                                                        [Enlarge/Download Table]

                                                               Years Ended December 31,  
                                                             ----------------------------
                                                                 2013           2012     
                                                             ------------- --------------
                                                                    (In millions)        
                                                                                         
Balance at January 1,....................................... $        (64) $        (125)
Noncredit OTTI losses and subsequent changes recognized (1).            11            (3)
Securities sold with previous noncredit OTTI loss...........            21             35
Subsequent changes in estimated fair value..................           (9)             29
                                                             ------------- --------------
Balance at December 31,..................................... $        (41) $         (64)
                                                             ============= ==============

--------                                                                        

(1)Noncredit OTTI losses and subsequent changes recognized, net of DAC, were $7 
million and $5 million for the years ended December 31, 2013 and 2012,    
respectively.                                                             

The changes in net unrealized investment gains (losses) were as follows:    

                                                        [Enlarge/Download Table]

                                                                       Years Ended December 31,   
                                                                    ------------------------------
                                                                       2013       2012      2011  
                                                                    ---------- ---------- --------
                                                                            (In millions)         
                                                                                                  
Balance at January 1,.............................................. $    2,449 $    1,910 $    342
Fixed maturity securities on which noncredit OTTI losses have been                                
  recognized.......................................................         23         61     (39)
Unrealized investment gains (losses) during the year...............    (3,452)      1,374    3,138
Unrealized investment gains (losses) relating to:                                                 
 Insurance liability gain (loss) recognition.......................        739      (414)    (292)
 DAC and VOBA related to noncredit OTTI losses recognized in                                      
   AOCI............................................................        (5)        (5)        4
 DAC and VOBA......................................................        397      (162)    (390)
 Deferred income tax benefit (expense) related to noncredit OTTI                                  
   losses recognized in AOCI.......................................        (6)       (20)       12
 Deferred income tax benefit (expense).............................        767      (295)    (865)
                                                                    ---------- ---------- --------
Balance at December 31,............................................ $      912 $    2,449 $  1,910
                                                                    ========== ========== ========
Change in net unrealized investment gains (losses)................. $  (1,537) $      539 $  1,568
                                                                    ========== ========== ========

Concentrations of Credit Risk                                                   

There were no investments in any counterparty that were greater than 10% of 
the Company's stockholders' equity, other than the U.S. government and its      
agencies, at both December 31, 2013 and 2012.                                   

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

Securities Lending                                                              

Elements of the securities lending program are presented below at:          

                                                                [Download Table]

                                                            December 31,     
                                                        ---------------------
                                                           2013       2012   
                                                        ---------- ----------
                                                            (In millions)    
                                                                             
Securities on loan: (1)                                                      
 Amortized cost........................................ $    5,931 $    6,154
 Estimated fair value.................................. $    5,984 $    7,339
Cash collateral on deposit from counterparties (2)..... $    6,140 $    7,502
Security collateral on deposit from counterparties (3). $       -- $       51
Reinvestment portfolio -- estimated fair value......... $    6,145 $    7,533

--------                                                                        

(1)Included within fixed maturity securities, short-term investments, cash and  
cash equivalents and equity securities.                                   

(2)Included within payables for collateral under securities loaned and other    
transactions.                                                             

(3)Security collateral on deposit from counterparties may not be sold or        
repledged, unless the counterparty is in default, and is not reflected in 
the consolidated financial statements.                                    

Invested Assets on Deposit and Pledged as Collateral                            

Invested assets on deposit and pledged as collateral are presented below at 
estimated fair value for cash and cash equivalents, short-term investments and  
fixed maturity securities and at carrying value for mortgage loans at:          

                                                                [Download Table]

                                                                 December 31,     
                                                             ---------------------
                                                                2013       2012   
                                                             ---------- ----------
                                                                 (In millions)    
                                                                                  
Invested assets on deposit (regulatory deposits) (1)........ $       56 $       58
Invested assets pledged as collateral (2)...................      1,901      1,569
                                                             ---------- ----------
 Total invested assets on deposit and pledged as collateral. $    1,957 $    1,627
                                                             ========== ==========

--------                                                                        

(1)See Note 1 for information about invested assets that became restricted      
 under the MetLife Insurance Company of Connecticut plan to withdraw its New
York license on January 1, 2014.                                          

(2)The Company has pledged invested assets in connection with various           
agreements and transactions, including funding agreements (see Note 4) and
derivative transactions (see Note 8).                                     

See "-- Securities Lending" for securities on loan.                     

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           

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

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.    

The Company's PCI fixed maturity securities were as follows at:             

                                                                [Download Table]

                                                    December 31,     
                                                ---------------------
                                                   2013       2012   
                                                ---------- ----------
                                                    (In millions)    
                                                                     
Outstanding principal and interest balance (1). $      648 $      560
Carrying value (2)............................. $      498 $      459

--------                                                                        

(1)Represents the contractually required payments, which is the sum of          
contractual principal, whether or not currently due, and accrued interest.

(2)Estimated fair value plus accrued interest.                                  

The following table presents information about PCI fixed maturity securities
acquired during the periods indicated:                                          

                                                                [Download Table]

                                                          December 31,     
                                                      ---------------------
                                                         2013       2012   
                                                      ---------- ----------
                                                          (In millions)    
                                                                           
Contractually required payments (including interest). $      238 $      172
Cash flows expected to be collected (1).............. $      183 $       88
Fair value of investments acquired................... $      128 $       55

--------                                                                        

(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 fixed 
maturity securities for:                                                        

                                                                [Download Table]

                                                         December 31,     
                                                     ---------------------
                                                        2013       2012   
                                                     ---------- ----------
                                                         (In millions)    
                                                                          
Accretable yield, January 1,........................ $      309 $      320
Investments purchased...............................         55         33
Accretion recognized in earnings....................       (24)       (18)
Disposals...........................................        (8)        (4)
Reclassification (to) from nonaccretable difference.       (24)       (22)
                                                     ---------- ----------
Accretable yield, December 31,...................... $      308 $      309
                                                     ========== ==========

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

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 $2.6 billion at December 31, 2013. 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 $862 million   
at December 31, 2013. 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.                                  

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)    
from continuing operations. 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, 2013, 2012 and 2011. Aggregate total assets of these entities      
totaled $217.3 billion and $178.3 billion at December 31, 2013 and 2012,        
respectively. Aggregate total liabilities of these entities totaled $16.3       
billion and $12.4 billion at December 31, 2013 and 2012, respectively.          
Aggregate net income (loss) of these entities totaled $20.9 billion, $13.1      
billion and $7.1 billion for the years ended December 31, 2013, 2012 and 2011,  
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 certain structured transactions 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. The Company generally uses a    
qualitative approach to determine whether it is the primary beneficiary.        
However, for VIEs that are investment companies or apply measurement principles 
consistent with those utilized by investment companies, the primary beneficiary 
is based on a risks and rewards model and is defined as the entity that will    
absorb a majority of a VIE's expected losses, receive a majority of a VIE's     
expected residual returns if no single entity absorbs a majority of expected    
losses, or both. The Company reassesses its involvement with VIEs on a          
quarterly basis. The use of different methodologies, assumptions and inputs in  
the determination of the primary beneficiary could have a material effect on    
the amounts presented within the consolidated financial statements.             

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

Consolidated VIEs                                                             

  The following table presents the total assets and total liabilities relating
to VIEs for which the Company has concluded that it is the primary beneficiary
and which are consolidated at December 31, 2013 and 2012. 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.                                                                   

                                                                [Download Table]

                                               December 31,   
                                             -----------------
                                               2013     2012  
                                             -------- --------
                                               (In millions)  
                                                              
CSEs: (1)                                                     
Assets:                                                       
 Mortgage loans (commercial mortgage loans). $  1,598 $  2,666
 Accrued investment income..................        9       13
                                             -------- --------
   Total assets............................. $  1,607 $  2,679
                                             ======== ========
Liabilities:                                                  
 Long-term debt............................. $  1,461 $  2,559
 Other liabilities..........................        7       13
                                             -------- --------
   Total liabilities........................ $  1,468 $  2,572
                                             ======== ========

--------                                                                        

(1)The Company consolidates entities that are structured as CMBS. 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. The Company's exposure was limited to that of
its remaining investment in these entities of $120 million and $92 million
at estimated fair value at December 31, 2013 and 2012, respectively. The  
  long-term debt bears interest primarily at fixed rates ranging from 2.25% to
5.57%, payable primarily on a monthly basis. Interest expense related to  
these obligations, included in other expenses, was $122 million, $163     
million and $322 million for the years ended December 31, 2013, 2012 and  
2011, respectively.                                                       

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. 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,                
                                                 -------------------------------------------
                                                         2013                  2012         
                                                 --------------------- ---------------------
                                                             Maximum               Maximum  
                                                 Carrying   Exposure   Carrying   Exposure  
                                                  Amount   to Loss (1)  Amount   to Loss (1)
                                                 --------- ----------- --------- -----------
                                                                (In millions)               
                                                                                            
Fixed maturity securities AFS:                                                              
 Structured securities (RMBS, ABS and CMBS) (2). $   8,393  $   8,393  $  10,347  $  10,347 
 U.S. and foreign corporate.....................       468        468        651        651 
Other limited partnership interests.............     1,651      2,077      1,408      1,930 
Real estate joint ventures......................        41         45         71         74 
Other invested assets...........................         9         44         --         -- 
                                                 ---------  ---------  ---------  --------- 
 Total.......................................... $  10,562  $  11,027  $  12,477  $  13,002 
                                                 =========  =========  =========  ========= 

--------                                                                        

(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 of the Company. For its    
  investments in other invested assets, the Company's return is in the form of
income tax credits. For such investments, the maximum exposure to loss is 
equal to the carrying amounts plus any unfunded commitment. 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.                                                    

As described in Note 15, 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 the years ended December 31, 2013, 2012 and 2011.                 

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

Net Investment Income                                                           

The components of net investment income were as follows:                    

                                                        [Enlarge/Download Table]

                                                                         Years Ended December 31,
                                                                         ------------------------
                                                                          2013     2012    2011  
                                                                          ------  ------  ------ 
                                                                            (In millions)        
                                                                                                 
Investment income:                                                                               
 Fixed maturity securities.............................................. $2,102   $2,143  $2,147 
 Equity securities......................................................     12        9      10 
 Mortgage loans.........................................................    344      357     347 
 Policy loans...........................................................     55       59      63 
 Real estate and real estate joint ventures.............................     56       83      24 
 Other limited partnership interests....................................    266      167     176 
 Cash, cash equivalents and short-term investments......................      4        5       5 
 International joint ventures...........................................    (5)      (2)     (5) 
 Other..................................................................     --      (2)       4 
                                                                          ------  ------  ------ 
   Subtotal.............................................................  2,834    2,819   2,771 
 Less: Investment expenses..............................................    114      101     100 
                                                                          ------  ------  ------ 
   Subtotal, net........................................................  2,720    2,718   2,671 
                                                                          ------  ------  ------ 
FVO securities--FVO contractholder-directed unit-linked investments (1).     --       62      71 
 FVO CSEs--interest income--commercial mortgage loans...................    132      172     332 
                                                                          ------  ------  ------ 
   Subtotal.............................................................    132      234     403 
                                                                          ------  ------  ------ 
     Net investment income.............................................. $2,852   $2,952  $3,074 
                                                                          ======  ======  ====== 

--------                                                                        

(1)There were no changes in estimated fair value subsequent to purchase for     
 securities still held as of the end of the respective years included in net
investment income for both the years ended December 31, 2013 and 2012.    
Changes in estimated fair value subsequent to purchase for securities     
included in net investment income were ($11) million for the year ended   
December 31, 2011.                                                        

See "-- Variable Interest Entities" for discussion of CSEs.             

   See "-- Related Party Investment Transactions" for discussion of affiliated
net investment income and investment expenses.                              

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. 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,
                                                                            --------------------------
                                                                             2013     2012      2011  
                                                                             ------   -------  ------ 
                                                                                (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:                                              
     Transportation........................................................ $  (3)   $  (16)   $   -- 
     Finance...............................................................    (3)       (7)      (9) 
     Utility...............................................................     --       (3)       -- 
     Communications........................................................     --       (2)     (11) 
     Industrial............................................................     --       (1)      (2) 
                                                                             ------   -------  ------ 
       Total U.S. and foreign corporate securities.........................    (6)      (29)     (22) 
   RMBS....................................................................   (14)      (20)     (17) 
   ABS.....................................................................     --        --      (5) 
   CMBS....................................................................     --        --      (3) 
                                                                             ------   -------  ------ 
 OTTI losses on fixed maturity securities recognized in earnings...........   (20)      (49)     (47) 
 Fixed maturity securities -- net gains (losses) on sales and disposals....     58       145       81 
                                                                             ------   -------  ------ 
        Total gains (losses) on fixed maturity securities..................     38        96       34 
                                                                             ------   -------  ------ 
Total gains (losses) on equity securities:                                                            
 Total OTTI losses recognized -- by sector:                                                           
   Non-redeemable preferred stock..........................................    (3)        --      (6) 
   Common stock............................................................    (2)       (9)      (2) 
                                                                             ------   -------  ------ 
 OTTI losses on equity securities recognized in earnings...................    (5)       (9)      (8) 
 Equity securities -- net gains (losses) on sales and disposals............     10         5     (13) 
                                                                             ------   -------  ------ 
        Total gains (losses) on equity securities..........................      5       (4)     (21) 
                                                                             ------   -------  ------ 
 Mortgage loans............................................................      5        27       26 
 Real estate and real estate joint ventures................................      2       (3)      (1) 
 Other limited partnership interests.......................................    (6)       (2)      (5) 
 Other investment portfolio gains (losses).................................      8         4      (9) 
                                                                             ------   -------  ------ 
        Subtotal -- investment portfolio gains (losses)....................     52       118       24 
                                                                             ------   -------  ------ 
FVO CSEs:                                                                                             
 Commercial mortgage loans.................................................   (56)         7     (84) 
 Long-term debt -- related to commercial mortgage loans....................     88        27       93 
Non-investment portfolio gains (losses)....................................    (2)        --        2 
                                                                             ------   -------  ------ 
        Subtotal FVO CSEs and non-investment portfolio gains (losses)......     30        34       11 
                                                                             ------   -------  ------ 
          Total net investment gains (losses).............................. $   82   $   152   $   35 
                                                                             ======   =======  ====== 

See "-- Variable Interest Entities" for discussion of CSEs.               

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

 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) was less than $1 million, $2 million and ($7)       
million for the years ended December 31, 2013, 2012 and 2011, respectively.   

Sales or Disposals and Impairments of Fixed Maturity and Equity Securities    

Proceeds from sales or disposals of fixed maturity and equity securities and
the components of fixed maturity and equity securities net investment gains     
(losses) are as shown in the table below. Investment gains and losses on sales  
of securities are determined on a specific identification basis.                

                                                        [Enlarge/Download Table]

                                                     Years Ended December 31,                         
                             -------------------------------------------------------------------------
                               2013    2012     2011    2013    2012   2011    2013    2012     2011  
                             -------- ------- -------- ------- ------ ------ -------- ------- --------
                             Fixed Maturity Securities   Equity Securities             Total          
                             ------------------------- --------------------- -------------------------
                                                           (In millions)                              
                                                                                                      
Proceeds.................... $ 11,051 $ 6,690 $ 11,634 $    75 $   39 $  190 $ 11,126 $ 6,729 $ 11,824
                             ======== ======= ======== ======= ====== ====== ======== ======= ========
Gross investment gains...... $    189 $   186 $    182 $    19 $    9 $    9 $    208 $   195 $    191
                             -------- ------- -------- ------- ------ ------ -------- ------- --------
Gross investment losses.....    (131)    (41)    (101)     (9)    (4)   (22)    (140)    (45)    (123)
                             -------- ------- -------- ------- ------ ------ -------- ------- --------
Total OTTI losses:                                                                                    
  Credit-related............     (17)    (42)     (38)      --     --     --     (17)    (42)     (38)
  Other (1).................      (3)     (7)      (9)     (5)    (9)    (8)      (8)    (16)     (17)
                             -------- ------- -------- ------- ------ ------ -------- ------- --------
   Total OTTI losses........     (20)    (49)     (47)     (5)    (9)    (8)     (25)    (58)     (55)
                             -------- ------- -------- ------- ------ ------ -------- ------- --------
    Net investment gains                                                                              
     (losses)............... $     38 $    96 $     34 $     5 $  (4) $ (21) $     43 $    92 $     13
                             ======== ======= ======== ======= ====== ====== ======== ======= ========

--------                                                                        

(1)Other OTTI losses recognized in earnings include impairments on (i) equity   
securities, (ii) perpetual hybrid securities classified within fixed      
maturity securities where the primary reason for the impairment was the   
 severity and/or the duration of an unrealized loss position and (iii) fixed
maturity securities where there is an intent to sell or it is more likely 
than not that the Company will be required to sell the security before    
recovery of the decline in estimated fair value.                          

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

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,  
                                                                 ---------------------------
                                                                     2013          2012     
                                                                 ------------- -------------
                                                                        (In millions)       
                                                                                            
Balance at January 1,........................................... $          59 $          55
Additions:                                                                                  
 Initial impairments -- credit loss OTTI recognized on                                      
   securities not previously impaired...........................             1             6
 Additional impairments -- credit loss OTTI recognized on                                   
   securities previously impaired...............................            12            15
Reductions:                                                                                 
 Sales (maturities, pay downs or prepayments) during the period                             
   of securities previously impaired as credit loss OTTI........          (15)          (17)
                                                                 ------------- -------------
Balance at December 31,......................................... $          57 $          59
                                                                 ============= =============

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,
                                                                     ------------------------
                                                                       2013    2012    2011  
                                                                     -------- ------- -------
                                                                          (In millions)      
                                                                                             
Estimated fair value of invested assets transferred to affiliates... $    874 $    -- $    --
Amortized cost of invested assets transferred to affiliates......... $    827 $    -- $    --
Net investment gains (losses) recognized on transfers............... $     47 $    -- $    --
Estimated fair value of invested assets transferred from affiliates. $    834 $    -- $    33

Included within the transfers to affiliates in 2013 and transfers from      
affiliates in 2013 was $739 million and $751 million, respectively, related to  
the establishment of a custodial account to secure certain policyholder         
liabilities. See Note 1.                                                        

The Company has affiliated loans outstanding to wholly-owned real estate    
subsidiaries of an affiliate, MLIC, which are included in mortgage loans, with  
a carrying value of $364 million and $306 million at December 31, 2013 and      
2012, respectively. Two loans issued in 2013 totaling $60 million bear interest 
at one-month LIBOR + 4.50% with quarterly interest only payments of less than   
$1 million through January 2017, when the principal balance is due. A loan with 
a carrying value of $110 million, at both December 31, 2013 and 2012, bears     
interest at one-month LIBOR + 1.95% with quarterly interest only payments of $1 
million through January 2015, when the principal balance is due. A loan with a  
carrying value of $134 million and $136 million at December 31, 2013 and 2012,  
respectively, bears interest at 7.26% due in quarterly principal and interest   
payments of $3 million through January 2020, when the principal balance is due. 
A loan with a carrying value of $60 million, at both December 31, 2013 and      
2012, bears interest at 7.01% with quarterly interest only payments of $1       
million through January 2020, when the principal balance is due. These          
affiliated loans are secured by interests in the real estate                    

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Investments (continued)                                                      

subsidiaries, which own operating real estate with a fair value in excess of    
the loans. Net investment income from these affiliated loans was $16 million,   
$17 million and $14 million for the years ended December 31, 2013, 2012 and     
2011, respectively.                                                             

The Company has affiliated loans outstanding, which are included in other   
invested assets, totaling $430 million at both December 31, 2013 and 2012. At   
December 31, 2011, the loans were outstanding with Exeter, an affiliate. During 
2012, MetLife assumed this affiliated debt from Exeter. The loans of $305       
million, issued by MetLife Insurance Company of Connecticut and $125 million,   
issued by MLI-USA, are due on July 15, 2021 and December 16, 2021,              
respectively, and bear interest, payable semi-annually, at 5.64% and 5.86%,     
respectively. Net investment income from these affiliated loans was $25         
million, $25 million and $8 million for the years ended December 31, 2013, 2012 
and 2011, respectively.                                                         

In July 2013, the Company committed to lend up to $1.8 billion to Exeter, an
affiliate, pursuant to a note purchase agreement. Pursuant to the agreement,    
MetLife Insurance Company of Connecticut committed to purchase up to            
$1.3 billion of notes and MLI-USA committed to purchase up to $438 million of   
notes through December 31, 2014. The notes will be due not later than three     
years after issuance. The repayment of any notes issued pursuant to this        
agreement is guaranteed by MetLife. In October 2013, pursuant to this           
agreement, the Company issued loans to Exeter which are included in other       
invested assets, totaling $500 million at December 31, 2013. The loans of $375  
million, issued by MetLife Insurance Company of Connecticut, and $125 million,  
issued by MLI-USA, are both due October 15, 2015, and bear interest, payable    
semi-annually, at 2.47%. Net investment income from this loan was $3 million at 
December 31, 2013. The remaining total commitment to lend is $1.2 billion with  
$925 million committed by MetLife Insurance Company of Connecticut and $313     
million committed by MLI-USA at December 31, 2013.                              

The Company receives investment administrative services from an affiliate.  
The related investment administrative service charges were $68 million for both 
years ended December 31, 2013 and 2012 and $67 million for the year ended       
December 31, 2011. The Company also had additional affiliated net investment    
income of $1 million for the year ended December 31, 2013 and less than $1      
million for both of the years ended December 31, 2012 and 2011.                 

8. Derivatives                                                                  

Accounting for Derivatives                                                      

See Note 1 for a description of the Company's accounting policies for       
derivatives and Note 9 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.                                               

Derivatives are financial instruments whose values are derived from interest
rates, foreign currency exchange rates, credit spreads and/or other financial   
indices. Derivatives may be exchange-traded or contracted in the                

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Derivatives (continued)                                                      

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 to synthetically replicate investment risks and returns    
which are not readily available in the cash market.                             

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, caps,     
floors, 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 non-qualifying hedging         
relationships.                                                                  

The Company purchases interest rate caps and floors 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, as well as to protect its minimum rate guarantee        
liabilities against declines in interest rates below a specified level,         
respectively. 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 non-qualifying    
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, and to post variation margin on a daily basis in an amount equal to 
the difference in the daily market values of those contracts. 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 and to hedge against changes in interest rates on         
anticipated liability issuances by replicating Treasury or swap curve           
performance. The Company utilizes exchange-traded interest rate futures in      
non-qualifying hedging relationships.                                           

Inflation swaps are used as an economic hedge to reduce inflation risk      
generated from inflation-indexed liabilities. Inflation swaps are included in   
interest rate swaps. The Company utilizes inflation swaps in non-qualifying     
hedging relationships.                                                          

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 hedging relationships.                                    

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Derivatives (continued)                                                      

Foreign Currency Exchange Rate Derivatives                                    

  The Company uses foreign currency swaps 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 non-qualifying hedging            
relationships.                                                                

To a lesser extent, the Company uses foreign currency forwards in         
non-qualifying 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 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, repudiation, moratorium, or involuntary restructuring. 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 non-qualifying 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. Treasury securities,
agency securities or other fixed maturity securities. These credit default    
swaps are not designated as hedging instruments.                              

  To a lesser extent, the Company uses credit forwards to lock in the price to
be paid for forward purchases of certain securities. The Company utilizes     
credit forwards in cash flow hedging relationships.                           

Equity Derivatives                                                            

The Company uses a variety of equity derivatives to reduce its exposure to
equity market risk, including equity index options, variance swaps and        
exchange-traded equity futures.                                               

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 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. 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
non-qualifying 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 non-qualifying  
hedging relationships.                                                        

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Derivatives (continued)                                                      

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, and to post         
variation margin on a daily basis in an amount equal to the difference in the 
daily market values of those contracts. 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 liabilities embedded in certain variable annuity products offered by the
Company. The Company utilizes exchange-traded equity futures in non-qualifying
hedging relationships.                                                        

To a lesser extent, the Company also uses total rate of return swaps      
("TRRs") to hedge its equity market guarantees in certain of its insurance    
products. The Company utilizes TRRs in non-qualifying hedging relationships.  

Primary Risks Managed by Derivatives                                            

The following table presents the gross notional amount, estimated fair value
and primary underlying risk exposure of the Company's derivatives, excluding    
embedded derivatives, held at:                                                  

                                                        [Enlarge/Download Table]

                                                                                     December 31,                         
                                                             -------------------------------------------------------------
                                                                          2013                           2012             
                                                             ------------------------------ ------------------------------
                                                                       Estimated Fair Value           Estimated Fair Value
                                                                       --------------------           --------------------
                                                             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.................... $     436 $      5    $     10 $     538 $     28   $       9
  Foreign currency swaps.. Foreign currency exchange rate...       122       --          13       122       --          14
                                                             --------- --------    -------- --------- --------   ---------
   Subtotal..............................................          558        5          23       660       28          23
                                                             --------- --------    -------- --------- --------   ---------
Cash flow hedges:                                                                                                         
  Interest rate swaps..... Interest rate....................       537        6          32       658       99          --
  Interest rate forwards.. Interest rate....................       245        3           4       410       81          --
  Foreign currency swaps.. Foreign currency exchange rate...       544       25          35       524       16          14
                                                             --------- --------    -------- --------- --------   ---------
   Subtotal..............................................        1,326       34          71     1,592      196          14
                                                             --------- --------    -------- --------- --------   ---------
    Total qualifying hedges.............................         1,884       39          94     2,252      224          37
                                                             --------- --------    -------- --------- --------   ---------
Derivatives Not Designated or Not Qualifying as Hedging Instruments                                                       
Interest rate swaps....... Interest rate....................    22,262      881         441    16,869    1,254         513
Interest rate floors...... Interest rate....................    17,604      103          99    15,136      318         274
Interest rate caps........ Interest rate....................     9,651       36          --     9,031       11          --
Interest rate futures..... Interest rate....................     1,443       --           3     2,771       --           7
Foreign currency swaps.... Foreign currency exchange rate...       882       52          41       811       60          35
Foreign currency forwards. Foreign currency exchange rate...        56       --           1       139       --           4
Credit default                                                                                                            
 swaps -- purchased....... Credit...........................       157       --           1       162       --           2
Credit default                                                                                                            
 swaps -- written......... Credit...........................     2,243       38          --     2,456       23           1
Equity futures............ Equity market....................       778       --           3     1,075       --          27
Equity options............ Equity market....................     3,597      305          42     2,845      469           1
Variance swaps............ Equity market....................     2,270        6          94     2,346       11          62
TRRs...................... Equity market....................       462       --          22       300       --           7
                                                             --------- --------    -------- --------- --------   ---------
   Total non-designated or non-qualifying derivatives....       61,405    1,421         747    53,941    2,146         933
                                                             --------- --------    -------- --------- --------   ---------
    Total...............................................     $  63,289 $  1,460    $    841 $  56,193 $  2,370   $     970
                                                             ========= ========    ======== ========= ========   =========

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Derivatives (continued)                                                      

 Based on 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, 2013 and 2012. 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 that are used to  
synthetically create credit investments and that do not qualify for hedge       
accounting because they do not involve a hedging relationship. For these        
non-qualified derivatives, changes in market factors can lead to the            
recognition of fair value changes in the consolidated 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:            

                                                                [Download Table]

                                                Years Ended December 31,     
                                            ---------------------------------
                                                2013         2012      2011  
                                            ------------- ---------- --------
                                                      (In millions)          
                                                                             
Derivatives and hedging gains (losses) (1). $       (958) $    (289) $    846
Embedded derivatives.......................          (94)      1,292      250
                                            ------------- ---------- --------
 Total net derivative gains (losses)....... $     (1,052) $    1,003 $  1,096
                                            ============= ========== ========

--------                                                                        

(1)Includes foreign currency transaction gains (losses) on hedged items in cash 
flow and non-qualifying hedging relationships, which are not presented    
elsewhere in this note.                                                   

The following table presents earned income on derivatives:                  

                                                                [Download Table]

                                                      Years Ended December 31,  
                                                     ---------------------------
                                                       2013      2012     2011  
                                                     --------- -------- --------
                                                            (In millions)       
                                                                                
Qualifying hedges:                                                              
 Net investment income.............................. $       2 $      2 $      2
 Interest credited to policyholder account balances.         2       18       41
Non-qualifying hedges:                                                          
 Net derivative gains (losses)......................        79      127       83
 Policyholder benefits and claims...................      (17)      (6)       --
                                                     --------- -------- --------
   Total............................................ $      66 $    141 $    126
                                                     ========= ======== ========

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Derivatives (continued)                                                      

Non-Qualifying 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 qualifying 
as hedging instruments:                                                     

                                                                [Download Table]

                                                               Net     Policyholder
                                             Net Derivative Investment Benefits and
                                             Gains (Losses) Income (1)  Claims (2) 
                                             -------------- ---------- ------------
                                                         (In millions)             
                                                                                   
Year Ended December 31, 2013:                                                      
 Interest rate derivatives..................   $      (558)  $      --   $     (26)
 Foreign currency exchange rate derivatives.           (24)         --           --
 Credit derivatives -- purchased............             --         --           --
 Credit derivatives -- written..............             27         --           --
 Equity derivatives.........................          (486)        (7)         (90)
                                               ------------  ---------   ----------
   Total....................................   $    (1,041)  $     (7)   $    (116)
                                               ============  =========   ==========
Year Ended December 31, 2012:                                                      
 Interest rate derivatives..................   $        (5)  $      --   $       --
 Foreign currency exchange rate derivatives.            (4)         --           --
 Credit derivatives -- purchased............           (11)         --           --
 Credit derivatives -- written..............             41         --           --
 Equity derivatives.........................          (413)        (4)         (51)
                                               ------------  ---------   ----------
   Total....................................   $      (392)  $     (4)   $     (51)
                                               ============  =========   ==========
Year Ended December 31, 2011:                                                      
 Interest rate derivatives..................   $        701  $      --   $       --
 Foreign currency exchange rate derivatives.             27         --           --
 Credit derivatives -- purchased............             13         --           --
 Credit derivatives -- written..............           (13)         --           --
 Equity derivatives.........................             45        (7)          (4)
                                               ------------  ---------   ----------
   Total....................................   $        773  $     (7)   $      (4)
                                               ============  =========   ==========

--------                                                                        

(1)Changes in estimated fair value related to economic hedges of equity method  
investments in joint ventures.                                            

(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 liabilities.                     

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. 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, 2013:                                                                          
Interest rate swaps:       Fixed maturity securities....  $            7 $          (9)  $          (2)
                           Policyholder liabilities (1).            (30)             28             (2)
Foreign currency swaps:    Foreign-denominated PABs (2).               2            (2)              --
                                                          -------------- --------------  --------------
  Total...............................................    $         (21) $           17  $          (4)
                                                          ============== ==============  ==============
Year Ended December 31, 2012:                                                                          
Interest rate swaps:       Fixed maturity securities....  $          (3) $            1  $          (2)
                           Policyholder liabilities (1).            (10)              8             (2)
Foreign currency swaps:    Foreign-denominated PABs (2).            (29)             20             (9)
                                                          -------------- --------------  --------------
  Total...............................................    $         (42) $           29  $         (13)
                                                          ============== ==============  ==============
Year Ended December 31, 2011:                                                                          
Interest rate swaps:       Fixed maturity securities....  $          (7) $            5  $          (2)
                           Policyholder liabilities (1).              36           (38)             (2)
Foreign currency swaps:    Foreign-denominated PABs (2).            (52)             30            (22)
                                                          -------------- --------------  --------------
  Total...............................................    $         (23) $          (3)  $         (26)
                                                          ============== ==============  ==============

--------                                                                        

(1)Fixed rate liabilities reported in PABs 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   
certain amounts from AOCI into net derivative gains (losses). These amounts     
were $0 for both years ended December 31, 2013 and 2012 and $1 million for the  
year ended December 31, 2011.                                                   

At December 31, 2013 and 2012, 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 six years and seven years, respectively. 

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Derivatives (continued)                                                      

At December 31, 2013 and 2012, the balance in AOCI associated with cash flow
hedges was $39 million and $243 million, 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 stockholders' 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, 2013:                                                                       
Interest rate swaps......  $            (120)   $         --  $          --  $                    --
Interest rate forwards...                (57)              9              1                       --
Foreign currency swaps...                (15)             --             --                        1
Credit forwards..........                 (1)             --              1                       --
                          -------------------- -------------- -------------- -----------------------
  Total..................  $            (193)   $          9  $           2  $                     1
                          ==================== ============== ============== =======================
Year Ended December 31, 2012:                                                                       
Interest rate swaps......  $               21   $         --  $          --  $                     1
Interest rate forwards...                   1              1              1                       --
Foreign currency swaps...                (15)              1             --                      (1)
Credit forwards..........                  --             --             --                       --
                          -------------------- -------------- -------------- -----------------------
  Total..................  $                7   $          2  $           1  $                    --
                          ==================== ============== ============== =======================
Year Ended December 31, 2011:                                                                       
Interest rate swaps......  $              132   $          1  $          --  $                    --
Interest rate forwards...                 208              9             --                        1
Foreign currency swaps...                  17            (2)             --                       --
Credit forwards..........                  --              1             --                       --
                          -------------------- -------------- -------------- -----------------------
  Total..................  $              357   $          9  $          --  $                     1
                          ==================== ============== ============== =======================

All components of each derivative's gain or loss were included in the       
assessment of hedge effectiveness.                                              

At December 31, 2013, $1 million of deferred net gains (losses) on          
derivatives in AOCI was expected to be reclassified 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 non-qualifying     
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 $2.2 billion and    
$2.5 billion at December 31, 2013 and 2012, respectively. The Company can       
terminate these contracts at any time through cash settlement with the          
counterparty at an amount equal to the then current fair value of the credit    
default swaps. At December 31, 2013 and 2012, the Company would have received   
$38 million and $22 million, respectively, to terminate all of these contracts. 

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. 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,                                   
                              ---------------------------------------------------------------------------------
                                                2013                                     2012                  
                              ---------------------------------------- ----------------------------------------
                              Estimated      Maximum                   Estimated      Maximum                  
                              Fair Value Amount of Future   Weighted   Fair Value Amount of Future   Weighted  
Rating Agency Designation of  of Credit   Payments under    Average    of Credit   Payments under    Average   
Referenced                     Default    Credit Default    Years to    Default    Credit Default    Years to  
Credit Obligations (1)          Swaps       Swaps (2)     Maturity (3)   Swaps       Swaps (2)     Maturity (3)
----------------------------  ---------- ---------------- ------------ ---------- ---------------- ------------
                                     (In millions)                            (In millions)                    
                                                                                                               
Aaa/Aa/A                                                                                                       
Single name credit default                                                                                     
  swaps (corporate)..........  $       3    $         115          2.7  $       3   $          167          3.2
Credit default swaps                                                                                           
  referencing indices........          6              650          1.1         10              650          2.1
                              ---------- ----------------              ---------- ----------------             
 Subtotal....................          9              765          1.3         13              817          2.3
                              ---------- ----------------              ---------- ----------------             
Baa                                                                                                            
Single name credit default                                                                                     
  swaps (corporate)..........          8              446          3.0          4              479          3.8
Credit default swaps                                                                                           
  referencing indices........         18              996          4.9          5            1,124          4.8
                              ---------- ----------------              ---------- ----------------             
 Subtotal....................         26            1,442          4.3          9            1,603          4.5
                              ---------- ----------------              ---------- ----------------             
B                                                                                                              
Single name credit default                                                                                     
  swaps (corporate)..........         --               --           --         --               --           --
Credit default swaps                                                                                           
  referencing indices........          3               36          5.0         --               36          5.0
                              ---------- ----------------              ---------- ----------------             
 Subtotal....................          3               36          5.0         --               36          5.0
                              ---------- ----------------              ---------- ----------------             
   Total.....................  $      38    $       2,243          3.3  $      22   $        2,456          3.8
                              ========== ================              ========== ================             

--------                                                                        

(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)Assumes the value of the referenced credit obligations is zero.              

(3)The weighted average years to maturity of the credit default swaps is        
calculated based on weighted average notional amounts.                    

Credit Risk on Freestanding Derivatives                                         

The Company may be exposed to credit-related losses in the event of         
nonperformance by 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.                                           

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Derivatives (continued)                                                      

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        
generally 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, and the Company has minimal exposure to credit-related losses in   
the event of nonperformance by counterparties to such derivatives. See Note 9   
for a description of the impact of credit risk on the valuation of derivatives. 

The estimated fair value of the Company's net derivative assets and net     
derivative liabilities after the application of master netting agreements and   
collateral was as follows at:                                                   

                                                        [Enlarge/Download Table]

                                                                   December 31, 2013    December 31, 2012  
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).............................................. $  1,450    $    851 $  2,436    $    982
  OTC-cleared (1)................................................       50           9       --          --
  Exchange-traded................................................       --           6       --          34
                                                                  --------    -------- --------    --------
    Total gross estimated fair value of derivatives (1)..........    1,500         866    2,436       1,016
 Amounts offset in the consolidated balance sheets...............       --          --       --          --
                                                                  --------    -------- --------    --------
 Estimated fair value of derivatives presented in the                                                      
   consolidated balance sheets (1)...............................    1,500         866    2,436       1,016
 Gross amounts not offset in the consolidated balance sheets:                                              
 Gross estimated fair value of derivatives: (2)                                                            
  OTC-bilateral..................................................    (670)       (670)    (838)       (838)
  OTC-cleared....................................................      (8)         (8)       --          --
  Exchange-traded................................................       --          --       --          --
 Cash collateral: (3)                                                                                      
  OTC-bilateral..................................................    (216)          --    (897)          --
  OTC-cleared....................................................     (40)         (1)       --          --
  Exchange-traded................................................       --         (5)       --        (34)
 Securities collateral: (4)                                                                                
  OTC-bilateral..................................................    (554)       (160)    (689)       (121)
  OTC-cleared....................................................       --          --       --          --
  Exchange-traded................................................       --         (1)       --          --
                                                                  --------    -------- --------    --------
 Net amount after application of master netting agreements and                                             
   collateral.................................................... $     12    $     21 $     12    $     23
                                                                  ========    ======== ========    ========

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Derivatives (continued)                                                      

--------                                                                        

(1)At December 31, 2013 and 2012, derivative assets include income or expense   
accruals reported in accrued investment income or in other liabilities of 
$40 million and $66 million, respectively, and derivative liabilities     
 include income or expense accruals reported in accrued investment income or
in other liabilities of $25 million and $46 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 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 in the consolidated balance sheets. 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 in the consolidated
balance sheets. 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, 2013 and 2012, the Company received   
excess cash collateral of $21 million and $0, respectively, and provided  
excess cash collateral of $19 million and $53 million, respectively, which
is not included in the table above due to the foregoing limitation.       

(4)Securities collateral received by the Company is held in separate custodial  
 accounts and is not recorded on the consolidated balance sheets. Subject to
certain constraints, the Company is permitted by contract to sell or      
repledge this collateral, but at December 31, 2013 none of the collateral 
 had been sold or repledged. Securities collateral pledged by the Company is
reported in fixed maturity securities in the consolidated balance sheets. 
  Subject to certain constraints, the counterparties are permitted by contract
to sell or repledge 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, 2013 and 2012, the Company received excess securities        
  collateral with an estimated fair value of $34 million and $0, respectively,
  for its OTC-bilateral derivatives, which are not included in the table above
 due to the foregoing limitation. At December 31, 2013 and 2012, the Company
provided excess securities collateral with an estimated fair value of $1  
  million and $0, respectively, for its OTC-bilateral derivatives, $29 million
and $0, respectively, for its OTC-cleared derivatives and $46 million and 
$0, respectively, for its exchange-traded derivatives, which are not      
included in the table above due to the foregoing limitation.              

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     
fair value of that counterparty's derivatives reaches a pre-determined          
threshold. Certain of these arrangements also include financial                 
strength-contingent provisions that provide for a reduction of these thresholds 
(on a sliding scale that converges toward zero) in the event of downgrades in   
the financial strength ratings of the Company and/or the credit ratings of the  
counterparty. In addition, certain of the Company's netting agreements for      
derivatives contain provisions that require both the 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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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Derivatives (continued)                                                      

The following table presents the estimated fair value of the Company's      
OTC-bilateral derivatives that are 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 the Company would be required to       
provide if there was a one notch downgrade in the Company's financial strength  
rating at the reporting date or if the Company's financial strength rating      
sustained a downgrade to a level that triggered full overnight                  
collateralization or termination of the derivative position at the reporting    
date. OTC-bilateral derivatives that are not subject to collateral agreements   
are excluded from this table.                                                   

                                                        [Enlarge/Download Table]

                                               Estimated                                                          
                                             Fair Value of                                                        
                                          Collateral Provided: Fair Value of Incremental Collateral Provided Upon:
                                          -------------------- ---------------------------------------------------
                                                                                          Downgrade in the        
                                                                                    Company's Financial Strength  
                                                                   One Notch           Rating to a Level that     
                         Estimated                                Downgrade in        Triggers Full Overnight     
                       Fair Value of                             the Company's          Collateralization or      
                     Derivatives in Net      Fixed Maturity    Financial Strength        Termination of the       
                   Liability Position (1)      Securities            Rating             Derivative Position       
                   ---------------------- -------------------- ------------------   ----------------------------  
                                                          (In millions)                                           
                                                                                                                  
December 31, 2013          $          181       $          161      $          --             $                2  
December 31, 2012          $          143       $          121      $           2             $               28  

--------                                                                        

(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  
and certain GMIBs; funds withheld on ceded reinsurance; and certain debt and    
equity securities.                                                              

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       2013      2012  
                                       -------------------------- ---------- --------
                                                                     (In millions)   
                                                                                     
Net embedded derivatives within asset                                                
  host contracts:                                                                    
  Ceded guaranteed minimum benefits... Premiums, reinsurance and                     
                                       other receivables......... $      912 $  3,551
  Options embedded in debt or equity                                                 
   securities......................... Investments...............       (30)     (14)
                                                                  ---------- --------
   Net embedded derivatives within asset host contracts.......    $      882 $  3,537
                                                                  ========== ========
Net embedded derivatives within                                                      
  liability host contracts:                                                          
  Direct guaranteed minimum benefits.. PABs...................... $  (1,232) $    705
  Assumed guaranteed minimum benefits. PABs......................       (13)        4
  Funds withheld on ceded reinsurance. Other liabilities.........         34      552
                                                                  ---------- --------
   Net embedded derivatives within liability host contracts...    $  (1,211) $  1,261
                                                                  ========== ========

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Derivatives (continued)                                                      

The following table presents changes in estimated fair value related to     
embedded derivatives:                                                           

                                                                [Download Table]

                                             Years Ended December 31,       
                                       -------------------------------------
                                           2013         2012        2011    
                                       ------------- ----------- -----------
                                                   (In millions)            
                                                                            
Net derivative gains (losses) (1) (2). $        (94) $     1,292 $       250

--------                                                                        

(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 ($156) million, ($235) 
million and $354 million for the years ended December 31, 2013, 2012 and  
2011, 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    
$76 million, $124 million and ($476) million for the years ended          
December 31, 2013, 2012 and 2011, respectively.                           

(2)See Note 6 for discussion of affiliated net derivative gains (losses)        
included in the table above.                                              

9. Fair Value                                                                   

When developing estimated fair values, the Company considers three broad    
valuation techniques: (i) the market approach, (ii) the income approach, and    
(iii) the cost approach. The Company determines the most appropriate valuation  
technique 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.                                                                        

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

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.     

                                                        [Enlarge/Download Table]

                                                                            December 31, 2013               
                                                              ----------------------------------------------
                                                                   Fair Value Hierarchy                     
                                                              ------------------------------                
                                                                                             Total Estimated
                                                              Level 1   Level 2    Level 3     Fair Value   
                                                              -------- ---------- ---------- ---------------
                                                                              (In millions)                 
                                                                                                            
Assets                                                                                                      
Fixed maturity securities:                                                                                  
  U.S. corporate............................................. $     -- $   15,454 $    1,248    $     16,702
  Foreign corporate..........................................       --      7,783        734           8,517
  U.S. Treasury and agency...................................    4,365      3,929         --           8,294
  RMBS.......................................................       --      4,266        422           4,688
  State and political subdivision............................       --      2,224         --           2,224
  ABS........................................................       --      1,682        419           2,101
  CMBS.......................................................       --      1,532         72           1,604
  Foreign government.........................................       --      1,122         --           1,122
                                                              -------- ---------- ----------    ------------
   Total fixed maturity securities...........................    4,365     37,992      2,895          45,252
                                                              -------- ---------- ----------    ------------
Equity securities:                                                                                          
  Non-redeemable preferred stock.............................       --        136         81             217
  Common stock...............................................       86         84         31             201
                                                              -------- ---------- ----------    ------------
   Total equity securities...................................       86        220        112             418
                                                              -------- ---------- ----------    ------------
Short-term investments (1)...................................      391      1,671         --           2,062
Mortgage loans held by CSEs -- FVO...........................       --      1,598         --           1,598
Other invested assets:                                                                                      
  FVO securities.............................................       --          9         --               9
  Derivative assets: (2)                                                                                    
   Interest rate.............................................       --      1,011         23           1,034
   Foreign currency exchange rate............................       --         77         --              77
   Credit....................................................       --         32          6              38
   Equity market.............................................       --        305          6             311
                                                              -------- ---------- ----------    ------------
     Total derivative assets.................................       --      1,425         35           1,460
                                                              -------- ---------- ----------    ------------
      Total other invested assets............................       --      1,434         35           1,469
Net embedded derivatives within asset host contracts (3).....       --         --        912             912
Separate account assets (4)..................................      259     97,368        153          97,780
                                                              -------- ---------- ----------    ------------
      Total assets........................................... $  5,101 $  140,283 $    4,107    $    149,491
                                                              ======== ========== ==========    ============
Liabilities                                                                                                 
Derivative liabilities: (2)                                                                                 
  Interest rate.............................................. $      3 $      574 $       12    $        589
  Foreign currency exchange rate.............................       --         90         --              90
  Credit.....................................................       --          1         --               1
  Equity market..............................................        3         64         94             161
                                                              -------- ---------- ----------    ------------
   Total derivative liabilities..............................        6        729        106             841
                                                              -------- ---------- ----------    ------------
Net embedded derivatives within liability host contracts (3).       --         --    (1,211)         (1,211)
Long-term debt of CSEs.......................................       --      1,461         --           1,461
                                                              -------- ---------- ----------    ------------
      Total liabilities...................................... $      6 $    2,190 $  (1,105)    $      1,091
                                                              ======== ========== ==========    ============

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                                                           December 31, 2012              
                                                              --------------------------------------------
                                                                  Fair Value Hierarchy                    
                                                              ----------------------------                
                                                                                           Total Estimated
                                                              Level 1   Level 2   Level 3    Fair Value   
                                                              -------- ---------- -------- ---------------
                                                                             (In millions)                
                                                                                                          
Assets                                                                                                    
Fixed maturity securities:                                                                                
  U.S. corporate............................................. $     -- $   17,461 $  1,434     $    18,895
  Foreign corporate..........................................       --      8,577      868           9,445
  U.S. Treasury and agency...................................    5,082      3,782       --           8,864
  RMBS.......................................................       --      5,460      278           5,738
  State and political subdivision............................       --      2,304       25           2,329
  ABS........................................................       --      1,910      343           2,253
  CMBS.......................................................       --      2,231      125           2,356
  Foreign government.........................................       --      1,085        3           1,088
                                                              -------- ---------- --------     -----------
    Total fixed maturity securities..........................    5,082     42,810    3,076          50,968
                                                              -------- ---------- --------     -----------
Equity securities:                                                                                        
  Non-redeemable preferred stock.............................       --         47       93             140
  Common stock...............................................       70         81       26             177
                                                              -------- ---------- --------     -----------
    Total equity securities..................................       70        128      119             317
                                                              -------- ---------- --------     -----------
Short-term investments (1)...................................    1,233      1,285       13           2,531
Mortgage loans held by CSEs -- FVO...........................       --      2,666       --           2,666
Other invested assets:                                                                                    
  FVO securities.............................................       --          9       --               9
  Derivative assets: (2)                                                                                  
    Interest rate............................................       --      1,643      148           1,791
    Foreign currency exchange rate...........................       --         76       --              76
    Credit...................................................       --         13       10              23
    Equity market............................................       --        469       11             480
                                                              -------- ---------- --------     -----------
     Total derivative assets.................................       --      2,201      169           2,370
                                                              -------- ---------- --------     -----------
       Total other invested assets...........................       --      2,210      169           2,379
Net embedded derivatives within asset host contracts (3).....       --         --    3,551           3,551
Separate account assets (4)..................................      201     85,772      141          86,114
                                                              -------- ---------- --------     -----------
       Total assets.......................................... $  6,586 $  134,871 $  7,069     $   148,526
                                                              ======== ========== ========     ===========
Liabilities                                                                                               
Derivative liabilities: (2)                                                                               
  Interest rate.............................................. $      7 $      767 $     29     $       803
  Foreign currency exchange rate.............................       --         67       --              67
  Credit.....................................................       --          3       --               3
  Equity market..............................................       27          8       62              97
                                                              -------- ---------- --------     -----------
    Total derivative liabilities.............................       34        845       91             970
                                                              -------- ---------- --------     -----------
Net embedded derivatives within liability host contracts (3).       --         --    1,261           1,261
Long-term debt of CSEs.......................................       --      2,559       --           2,559
                                                              -------- ---------- --------     -----------
       Total liabilities..................................... $     34 $    3,404 $  1,352     $     4,790
                                                              ======== ========== ========     ===========

--------                                                                        

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

(1)Short-term investments as presented in the tables above differ from the      
amounts presented in the consolidated balance sheets because certain      
short-term investments are not measured at estimated fair value on a      
recurring basis.                                                          

(2)Derivative assets are presented within other invested assets in the          
 consolidated balance sheets and derivative liabilities are presented within
other liabilities in the consolidated balance sheets. The amounts are     
presented gross in the tables above to reflect the presentation in 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.                                                  

(3)Net embedded derivatives within asset host contracts are presented primarily 
within premiums, reinsurance and other receivables in the consolidated    
  balance sheets. Net embedded derivatives within liability host contracts are
presented primarily within PABs and other liabilities in the consolidated 
balance sheets. At December 31, 2013 and 2012, equity securities also     
included embedded derivatives of ($30) million and ($14) million,         
respectively.                                                             

(4)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.     

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 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 MetLife Insurance Company of Connecticut's    
Audit Committee 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                                   

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

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 11% of the
total estimated fair value of Level 3 fixed maturity securities.            

  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 of CSEs               

  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.                                                                   

 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 of CSEs is determined on a basis
consistent with the methodologies described herein for securities.          

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

Level 2 Valuation Techniques and Key Inputs:                                

This level includes securities priced principally by independent pricing
services using observable inputs. Short-term investments within this level  
are of a similar nature and class to the Level 2 fixed maturity securities  
and equity securities.                                                      

U.S. corporate and foreign corporate securities                           

These securities are principally valued using the market and income   
 approaches. Valuations are based primarily on quoted prices in markets that
  are not active, or using matrix pricing or other similar techniques that use
standard market observable inputs such as benchmark yields, spreads off   
benchmark yields, new issuances, issuer rating, duration, and trades of   
identical or comparable securities. Privately-placed securities are valued
 using matrix pricing methodologies using standard market observable inputs,
and inputs derived from, or corroborated by, market observable data       
including market yield curve, duration, call provisions, observable prices
and spreads for similar publicly traded or privately traded issues that   
incorporate the credit quality and industry sector of the issuer, and in  
certain cases, delta spread adjustments to reflect specific credit-related
issues.                                                                   

U.S. Treasury and agency securities                                       

These securities are principally valued using the market approach.    
Valuations are based primarily on quoted prices in markets that are not   
active, or using matrix pricing or other similar techniques using standard
 market observable inputs such as a benchmark U.S. Treasury yield curve, the
spread off the U.S. Treasury yield curve for the identical security and   
comparable securities that are actively traded.                           

Structured securities comprised of RMBS, ABS and CMBS                     

These securities are principally valued using the market and income   
approaches. Valuations are based primarily on matrix pricing, discounted  
cash flow methodologies or other similar techniques using standard market 
inputs, including spreads for actively traded securities, spreads off     
benchmark yields, expected prepayment speeds and volumes, current and     
 forecasted loss severity, rating, weighted average coupon, weighted average
maturity, average delinquency rates, geographic region, debt-service      
coverage ratios and issuance-specific information, including, but not     
  limited to: collateral type, payment terms of the underlying assets, payment
  priority within the tranche, structure of the security, deal performance and
vintage of loans.                                                         

State and political subdivision and foreign government securities         

These securities are principally valued using the market approach.    
  Valuations are based primarily on matrix pricing or other similar techniques
 using standard market observable inputs including a benchmark U.S. Treasury
 yield or other yields, issuer ratings, broker-dealer quotes, issuer spreads
and reported trades of similar securities, including those within the same
sub-sector or with a similar maturity or credit rating.                   

Common and non-redeemable preferred stock                                 

These securities are principally valued using the market approach.    
Valuations are based principally on observable inputs, including quoted   
prices in markets that are not considered active.                         

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

Level 3 Valuation Techniques and Key Inputs:                                

In general, securities classified within Level 3 use many of the same   
 valuation techniques and inputs as described previously for Level 2. However,
if key inputs are unobservable, or if the investments are less liquid and   
there is very limited trading activity, the investments are generally       
classified as Level 3. The use of independent non-binding broker quotations 
to value investments generally indicates there is a lack of liquidity or a  
lack of transparency in the process to develop the valuation estimates,     
generally causing these investments to be classified in Level 3.            

  Short-term investments within this level are of a similar nature and class
to the Level 3 securities described below; accordingly, the valuation       
techniques and significant market standard observable inputs used in their  
valuation are also similar to those described below.                        

U.S. corporate and foreign corporate securities                           

   These securities, including financial services industry hybrid securities
classified within fixed maturity securities, are principally valued using 
the market approach. Valuations are based primarily on matrix pricing or  
other similar techniques that utilize unobservable inputs or inputs that  
cannot be derived principally from, or corroborated by, observable market 
data, including illiquidity premium, delta spread adjustments to reflect  
 specific credit-related issues, credit spreads; and inputs including 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.   
Certain valuations are based on independent non-binding broker quotations.

Structured securities comprised of RMBS, ABS and CMBS                     

These securities are principally valued using the market and income   
approaches. Valuations are based primarily on matrix pricing, discounted  
  cash flow methodologies or other similar techniques that utilize inputs that
 are unobservable or cannot be derived principally from, or corroborated by,
observable market data, including credit spreads. Below investment grade  
securities and sub-prime RMBS included in this level are valued based on  
 inputs including 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. Certain of these valuations are based on independent
non-binding broker quotations.                                            

State and political subdivision and foreign government securities         

These securities are principally valued using the market approach.    
 Valuations are based primarily on independent non-binding broker quotations
  and inputs, including 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. Certain valuations are based on matrix  
pricing that utilize inputs that are unobservable or cannot be derived    
principally from, or corroborated by, observable market data, including   
credit spreads.                                                           

Common and non-redeemable preferred stock                                 

These securities, including privately-held securities and financial   
  services industry hybrid securities classified within equity securities, are
principally valued using the market and income approaches.                

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

Valuations are based primarily on matrix pricing, discounted cash flow    
methodologies or other similar techniques using inputs such as comparable 
  credit rating and issuance structure. Certain of these securities are valued
 based on inputs including 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 and independent non-binding broker       
quotations.                                                               

Mortgage Loans Held by CSEs -- FVO                                          

The Company consolidates certain securitization entities that hold      
commercial mortgage loans.                                                  

Level 2 Valuation Techniques and Key Inputs:                                

These investments are principally valued using the market approach. The 
principal market for these investments is the securitization market. The    
 Company uses the quoted securitization market price of the obligations of the
CSEs to determine the estimated fair value of these commercial loan         
portfolios. These market prices are determined principally by independent   
pricing services using observable inputs.                                   

Separate Account Assets                                                     

   Separate account assets are carried at estimated fair value and reported as
a summarized total on the consolidated balance sheets. The estimated fair   
value of separate account assets is based on the estimated fair value of the
underlying assets. Separate account assets include: mutual funds, fixed     
maturity securities, equity securities, derivatives, other limited          
partnership interests, short-term investments and cash and cash equivalents.

Level 2 Valuation Techniques and Key Inputs:                                

   These assets are comprised of investments that are similar in nature to the
instruments described under "-- Securities, Short-term Investments and      
Long-term Debt of CSEs." Also included are certain mutual funds without     
readily determinable fair values, as prices are not published publicly.     
Valuation of the mutual funds is based upon quoted prices or reported NAV   
provided by the fund managers.                                              

Level 3 Valuation Techniques and Key Inputs:                                

   These assets are comprised of investments that are similar in nature to the
instruments described under "-- Securities, Short-term Investments and      
Long-term Debt of CSEs." Also included are other limited partnership        
interests, which are valued giving consideration to the value of the        
underlying holdings of the partnerships and by applying a premium or        
 discount, if appropriate, for factors such as liquidity, bid/ask spreads, the
performance record of the fund manager or other relevant variables that may 
impact the exit value of the particular partnership interest.               

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                                        

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

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.         
Significant inputs that are observable generally include: interest rates,     
foreign currency exchange rates, interest rate curves, credit curves and      
volatility. However, 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. Significant inputs that are          
unobservable generally include references to emerging market currencies and   
inputs that are outside the observable portion of the interest rate curve,    
credit curve, volatility or other relevant market measure. 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.                  

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 Techniques 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. These   
derivatives are principally valued using the income approach.               

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

Interest rate                                                             

   Non-option-based. Valuations are based on present value techniques, which
utilize significant inputs that may include the swap yield curve and basis
curves.                                                                   

    Option-based. Valuations are based on option pricing models, which utilize
significant inputs that may include the swap yield curve, basis curves and
interest rate volatility.                                                 

Foreign currency exchange rate                                            

   Non-option-based. Valuations are based on present value techniques, which
utilize significant inputs that may include the swap yield curve, basis   
curves, currency spot rates and cross currency basis curves.              

Credit                                                                    

   Non-option-based. Valuations are based on present value techniques, which
utilize significant inputs that may include the swap yield curve, credit  
curves and recovery rates.                                                

Equity market                                                             

   Non-option-based. Valuations are based on present value techniques, which
utilize significant inputs that may include the swap yield curve, spot    
equity index levels and dividend yield curves.                            

    Option-based. Valuations are based on option pricing models, which utilize
 significant inputs that may include the swap yield curve, spot equity index
levels, dividend yield curves and equity volatility.                      

Level 3 Valuation Techniques and Key Inputs:                                

These 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.
These valuation methodologies generally use the same inputs as described in 
the corresponding sections above 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.       

Interest rate                                                             

Non-option-based. Significant unobservable inputs may include the     
extrapolation beyond observable limits of the swap yield curve and basis  
curves.                                                                   

Credit                                                                    

Non-option-based. Significant unobservable inputs may include credit  
 spreads, repurchase rates and the extrapolation beyond observable limits of
the swap yield curve and credit curves. Certain of these derivatives are  
valued based on independent non-binding broker quotations.                

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

Equity market                                                             

Non-option-based. Significant unobservable inputs may include the     
extrapolation beyond observable limits of dividend yield curves and equity
volatility.                                                               

Embedded Derivatives                                                          

Embedded derivatives principally include certain direct, assumed and ceded
variable annuity guarantees and embedded derivatives related to funds withheld
on ceded reinsurance. 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 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 PABs in the  
consolidated balance sheets.                                                  

  The fair value of these embedded derivatives, 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, is calculated by the Company's actuarial    
department. 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'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 compared to MetLife.                                   

 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.              

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

The Company assumed, from an affiliated insurance company, the risk       
associated with certain GMIBs. These embedded derivatives are included in     
other policy-related balances in the consolidated balance sheets with changes 
in estimated fair value reported in net derivative gains (losses). The value  
of the embedded derivatives on these assumed risks is determined using a      
methodology consistent with that described previously for the guarantees      
directly written by the Company.                                              

  The Company ceded, to an affiliated reinsurance company, the risk associated
with certain of the GMIBs, GMABs and GMWBs described above that are also      
accounted for as embedded derivatives. In addition to ceding risks associated 
with guarantees that are accounted for as embedded derivatives, the Company   
also cedes, to the same affiliated reinsurance company, certain 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 in 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.                

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 previously described in "--   
Investments -- Securities, Short-term Investments and Long-term Debt of CSEs."
The estimated fair value of these embedded derivatives is included, along with
their funds withheld hosts, in other liabilities in 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.                                                            

Embedded Derivatives Within Asset and Liability Host Contracts              

Level 3 Valuation Techniques 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 curve, 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 curve 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.                                      

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

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, 2013 and 2012, transfers between Levels 1 and 2 were not    
significant.                                                                

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.             

  Transfers into Level 3 for fixed maturity securities were due primarily to
 a lack of trading activity, decreased liquidity and credit ratings downgrades
(e.g., from investment grade to below investment grade) which have resulted 
in decreased transparency of valuations and an increased use of independent 
non-binding broker quotations and unobservable inputs, such as illiquidity  
premiums, delta spread adjustments or credit spreads.                       

 Transfers out of Level 3 for fixed maturity securities resulted primarily
from increased transparency of both new issuances that, subsequent to       
issuance and establishment of trading activity, became priced by independent
 pricing services and existing issuances that, over time, the Company was able
to obtain pricing from, or corroborate pricing received from, independent   
pricing services with observable inputs (such as observable spreads used in 
pricing securities) or increases in market activity and upgraded credit     
ratings.                                                                    

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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, 2013        
                                                                                           ---------------------------   
                                       Valuation                   Significant                                Weighted   
                                      Techniques               Unobservable Inputs              Range        Average (1) 
                                ------------------------    ---------------------------    ---------------   ----------- 
                                                                                                                         
Fixed maturity securities: (3)                                                                                           
 U.S. corporate and                                          Delta spread                     (10) -     240      51     
  foreign corporate............  Matrix pricing                adjustments (4)                                           
                                                             Illiquidity premium (4)           30  -      30      30     
                                                             Credit spreads (4)              (112) -     538     208     
                                                             Offered quotes (5)                99  -     100     100     
..                                Consensus pricing           Offered quotes (5)                33  -     103      87    
                                -----------------------------------------------------------------------------------------
 RMBS..........................  Matrix pricing and          Credit spreads (4)               (96) -   2,406     295     
                                   discounted cash flow                                                                  
                                 Market pricing              Quoted prices (5)                 10  -     100      95     
                                 Consensus pricing           Offered quotes (5)                78  -     100      95     
                                -----------------------------------------------------------------------------------------
 CMBS..........................  Matrix pricing and          Credit spreads (4)               341  -   1,879     746     
                                   discounted cash flow                                                                  
                                 Market pricing              Quoted prices (5)                 97  -     104     101     
                                 Consensus pricing           Offered quotes (5)               101  -     101     101     
                                -----------------------------------------------------------------------------------------
 ABS...........................  Matrix pricing and          Credit spreads (4)                30  -     875     319     
                                   discounted cash flow                                                                  
                                 Market pricing              Quoted prices (5)                 --  -     104     101     
                                 Consensus pricing           Offered quotes (5)                58  -     106      98     
                                -----------------------------------------------------------------------------------------
Derivatives:                                                                                                             
 Interest rate.................  Present value               Swap yield (7)                   248  -     450             
                                   techniques                                                                            
                                -----------------------------------------------------------------------------------------
 Credit........................  Present value               Credit spreads (8)                98  -     100             
                                   techniques                                                                            
                                 Consensus pricing           Offered quotes (9)                                          
                                -----------------------------------------------------------------------------------------
 Equity market.................  Present value               Volatility (10)                  17%  -     28%             
                                   techniques                                                                            
                                -----------------------------------------------------------------------------------------
Embedded derivatives:                                                                                                    
 Direct and ceded                Option pricing              Mortality rates:                  0%  -   0.10%             
  guaranteed minimum               techniques                   Ages 0 - 40                                              
  benefits.....................                                                                                          
                                                                Ages 41 - 60                0.04%  -   0.65%             
                                                                Ages 61 - 115               0.26%  -    100%             
                                                             Lapse rates:                                                
                                                                Durations 1 - 10            0.50%  -    100%             
                                                                Durations 11 - 20              3%  -    100%             
                                                                Durations 21 - 116             3%  -    100%             
                                                             Utilization rates                20%  -     50%             
                                                             Withdrawal rates               0.07%  -     10%             
                                                             Long-term equity              17.40%  -     25%             
                                                               volatilities                                              
                                                             Nonperformance                 0.03%  -   0.44%             
                                                               risk spread                                               
                                -----------------------------------------------------------------------------------------
                                                        [Enlarge/Download Table]


                                                                                                December 31, 2012        
                                                                                           ---------------------------   
                                       Valuation                   Significant                                Weighted   
                                      Techniques               Unobservable Inputs              Range        Average (1) 
                                ------------------------    ---------------------------    ---------------   ----------- 
                                                                                                                         
Fixed maturity securities: (3)                                                                                           
 U.S. corporate and                                          Delta spread                       9  -     500     105     
  foreign corporate............  Matrix pricing                adjustments (4)                                           
                                                             Illiquidity premium (4)           30  -      30      30     
                                                             Credit spreads (4)              (157) -     876     282     
                                                             Offered quotes (5)               100  -     100     100     
..                                Consensus pricing           Offered quotes (5)                35  -     555      96    
                                -----------------------------------------------------------------------------------------
 RMBS..........................  Matrix pricing and          Credit spreads (4)                40  -   2,367     436     
                                   discounted cash flow                                                                  
                                 Market pricing              Quoted prices (5)                100  -     100     100     
                                 Consensus pricing           Offered quotes (5)                                          
                                -----------------------------------------------------------------------------------------
 CMBS..........................  Matrix pricing and          Credit spreads (4)                10  -   9,164     413     
                                   discounted cash flow                                                                  
                                 Market pricing              Quoted prices (5)                100  -     104     102     
                                 Consensus pricing           Offered quotes (5)                                          
                                -----------------------------------------------------------------------------------------
 ABS...........................  Matrix pricing and          Credit spreads (4)                --  -     900     152     
                                   discounted cash flow                                                                  
                                 Market pricing              Quoted prices (5)                 97  -     102     100     
                                 Consensus pricing           Offered quotes (5)                50  -     111     100     
                                -----------------------------------------------------------------------------------------
Derivatives:                                                                                                             
 Interest rate.................  Present value               Swap yield (7)                   221  -     353             
                                   techniques                                                                            
                                -----------------------------------------------------------------------------------------
 Credit........................  Present value               Credit spreads (8)               100  -     100             
                                   techniques                                                                            
                                 Consensus pricing           Offered quotes (9)                                          
                                -----------------------------------------------------------------------------------------
 Equity market.................  Present value               Volatility (10)                  18%  -     26%             
                                   techniques                                                                            
                                -----------------------------------------------------------------------------------------
Embedded derivatives:                                                                                                    
 Direct and ceded                Option pricing              Mortality rates:                  0%  -   0.10%             
  guaranteed minimum               techniques                   Ages 0 - 40                                              
  benefits.....................                                                                                          
                                                                Ages 41 - 60                0.05%  -   0.64%             
                                                                Ages 61 - 115               0.32%  -    100%             
                                                             Lapse rates:                                                
                                                                Durations 1 - 10            0.50%  -    100%             
                                                                Durations 11 - 20              3%  -    100%             
                                                                Durations 21 - 116             3%  -    100%             
                                                             Utilization rates                20%  -     50%             
                                                             Withdrawal rates               0.07%  -     10%             
                                                             Long-term equity              17.40%  -     25%             
                                                               volatilities                                              
                                                             Nonperformance                 0.10%  -   0.67%             
                                                               risk spread                                               
                                -----------------------------------------------------------------------------------------
                                                        [Enlarge/Download Table]

                                                                                             Impact of    
                                                                                            Increase in   
                                                                                             Input on     
                                       Valuation                   Significant               Estimated    
                                      Techniques               Unobservable Inputs         Fair Value (2) 
                                ------------------------    ---------------------------    -------------- 
                                                                                                          
Fixed maturity securities: (3)                                                                            
 U.S. corporate and                                          Delta spread                    Decrease     
  foreign corporate............  Matrix pricing                adjustments (4)                            
                                                             Illiquidity premium (4)         Decrease     
                                                             Credit spreads (4)              Decrease     
                                                             Offered quotes (5)              Increase     
..                                Consensus pricing           Offered quotes (5)              Increase    
                                --------------------------------------------------------------------------
 RMBS..........................  Matrix pricing and          Credit spreads (4)            Decrease (6)   
                                   discounted cash flow                                                   
                                 Market pricing              Quoted prices (5)             Increase (6)   
                                 Consensus pricing           Offered quotes (5)            Increase (6)   
                                --------------------------------------------------------------------------
 CMBS..........................  Matrix pricing and          Credit spreads (4)            Decrease (6)   
                                   discounted cash flow                                                   
                                 Market pricing              Quoted prices (5)             Increase (6)   
                                 Consensus pricing           Offered quotes (5)            Increase (6)   
                                --------------------------------------------------------------------------
 ABS...........................  Matrix pricing and          Credit spreads (4)            Decrease (6)   
                                   discounted cash flow                                                   
                                 Market pricing              Quoted prices (5)             Increase (6)   
                                 Consensus pricing           Offered quotes (5)            Increase (6)   
                                --------------------------------------------------------------------------
Derivatives:                                                                                              
 Interest rate.................  Present value               Swap yield (7)                Increase (11)  
                                   techniques                                                             
                                --------------------------------------------------------------------------
 Credit........................  Present value               Credit spreads (8)            Decrease (8)   
                                   techniques                                                             
                                 Consensus pricing           Offered quotes (9)                           
                                --------------------------------------------------------------------------
 Equity market.................  Present value               Volatility (10)               Increase (11)  
                                   techniques                                                             
                                --------------------------------------------------------------------------
Embedded derivatives:                                                                                     
 Direct and ceded                Option pricing              Mortality rates:              Decrease (12)  
  guaranteed minimum               techniques                   Ages 0 - 40                               
  benefits.....................                                                                           
                                                                Ages 41 - 60               Decrease (12)  
                                                                Ages 61 - 115              Decrease (12)  
                                                             Lapse rates:                                 
                                                                Durations 1 - 10           Decrease (13)  
                                                                Durations 11 - 20          Decrease (13)  
                                                                Durations 21 - 116         Decrease (13)  
                                                             Utilization rates             Increase (14)  
                                                             Withdrawal rates                      (15)   
                                                             Long-term equity              Increase (16)  
                                                               volatilities                               
                                                             Nonperformance                Decrease (17)  
                                                               risk spread                                
                                --------------------------------------------------------------------------

--------                                                                        

(1)The weighted average for fixed maturity securities is determined based on    
the estimated fair value of the securities.                               

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

(2)The impact of a decrease in input would have the opposite impact on the      
  estimated fair value. For embedded derivatives, changes to direct guaranteed
minimum benefits are based on liability positions and 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 basis points.                    

(5)Range and weighted average are presented in accordance with the market       
convention for fixed maturity securities of dollars per hundred dollars of
par.                                                                      

(6)Changes in the assumptions used for the probability of default is            
  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.                                                     

(7)Ranges represent the rates across different yield curves and are presented   
in basis points. The swap yield curve is 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.           

(8)Represents the risk quoted in basis points of a credit default event on the  
  underlying instrument. The range being provided is a single quoted spread in
  the valuation model. Credit derivatives with significant unobservable inputs
are primarily comprised of written credit default swaps.                  

(9)At both December 31, 2013 and 2012, independent non-binding broker           
quotations were used in the determination of less than 1% of the total net
derivative estimated fair value.                                          

(10)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.    

(11)Changes are based on long U.S. dollar net asset positions and will be       
inversely impacted for short U.S. dollar net asset positions.           

(12)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.              

(13)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.                                                             

(14)The utilization rate assumption estimates the percentage of contract        
holders 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                                                      

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

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.      

(15)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.                                               

(16)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.                                                             

(17)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 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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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. 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                            
                                            U.S.     Foreign  U.S. Treasury           Political                  Foreign   
                                          Corporate Corporate  and Agency     RMBS   Subdivision  ABS    CMBS   Government 
                                          --------- --------- ------------- -------- ----------- ------ ------- -----------
                                                                            (In millions)                                  
                                                                                                                           
Year Ended December 31, 2013:                                                                                              
Balance at January 1,.................... $  1,434  $    868    $        -- $    278  $      25  $  343 $   125 $         3
Total realized/unrealized gains (losses)                                                                                   
 included in:                                                                                                              
  Net income (loss): (1), (2)                                                                                              
   Net investment income.................        7        --             --        1         --       1       1          --
   Net investment gains (losses).........       --       (7)             --      (1)         --       2      --          --
   Net derivative gains (losses).........       --        --             --       --         --      --      --          --
  OCI....................................     (39)       (5)             --       13         --     (5)       3          --
Purchases (3)............................      150        53             --      170         --     184      37          --
Sales (3)................................    (243)     (129)             --     (49)        (2)    (53)    (71)         (3)
Issuances (3)............................       --        --             --       --         --      --      --          --
Settlements (3)..........................       --        --             --       --         --      --      --          --
Transfers into Level 3 (4)...............      218        30             --       14         --      --      --          --
Transfers out of Level 3 (4).............    (279)      (76)             --      (4)       (23)    (53)    (23)          --
                                          --------  --------    ----------- --------  ---------  ------ ------- -----------
Balance at December 31,.................. $  1,248  $    734    $        -- $    422  $      --  $  419 $    72 $        --
                                          ========  ========    =========== ========  =========  ====== ======= ===========
Changes in unrealized gains (losses)                                                                                       
 included in net income (loss): (5)                                                                                        
  Net investment income.................. $      7  $     --    $        -- $      1  $      --  $   -- $    -- $        --
  Net investment gains (losses).......... $     --  $    (3)    $        -- $     --  $      --  $   -- $    -- $        --
  Net derivative gains (losses).......... $     --  $     --    $        -- $     --  $      --  $   -- $    -- $        --

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                               Fair Value Measurements Using Significant Unobservable Inputs (Level 3)      
                                          ----------------------------------------------------------------------------------
                                          Equity Securities:               Net Derivatives: (6)                             
                                          -------------------             -----------------------                           
                                             Non-                                                                           
                                          redeemable                                                    Net        Separate 
                                          Preferred   Common  Short-term  Interest        Equity     Embedded      Account  
                                            Stock     Stock   Investments   Rate   Credit Market  Derivatives (7) Assets (8)
                                          ---------- -------- ----------- -------- ------ ------- --------------- ----------
                                                                            (In millions)                                   
                                                                                                                            
Year Ended December 31, 2013:                                                                                               
Balance at January 1,.................... $       93 $     26 $       13  $   119  $   10 $  (51)   $       2,290  $    141 
Total realized/unrealized gains (losses)                                                                                    
 included in:                                                                                                               
  Net income (loss): (1), (2)                                                                                               
   Net investment income.................         --       --         --       --      --      --              --        -- 
   Net investment gains (losses).........         --        8         --       --      --      --              --         6 
   Net derivative gains (losses).........         --       --         --     (16)     (4)    (40)             108        -- 
  OCI....................................         12        7         --     (58)      --      --              --        -- 
Purchases (3)............................          3        2         --       --      --      --              --         9 
Sales (3)................................       (27)     (12)       (13)       --      --      --              --       (6) 
Issuances (3)............................         --       --         --       --      --      --              --        -- 
Settlements (3)..........................         --       --         --     (19)      --       3            (59)        -- 
Transfers into Level 3 (4)...............         --       --         --       --      --      --              --         3 
Transfers out of Level 3 (4).............         --       --         --     (15)      --      --              --        -- 
                                          ---------- -------- ----------  -------  ------ -------   -------------  -------- 
Balance at December 31,.................. $       81 $     31 $       --  $    11  $    6 $  (88)   $       2,123  $    153 
                                          ========== ======== ==========  =======  ====== =======   =============  ======== 
Changes in unrealized gains (losses)                                                                                        
 included in net income (loss): (5)                                                                                         
  Net investment income.................. $       -- $     -- $       --  $    --  $   -- $    --   $          --  $     -- 
  Net investment gains (losses).......... $      (3) $    (2) $       --  $    --  $   -- $    --   $          --  $     -- 
  Net derivative gains (losses).......... $       -- $     -- $       --  $   (8)  $  (4) $  (36)   $        (83)  $     -- 

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                              Fair Value Measurements Using Significant Unobservable Inputs (Level 3)    
                                          -------------------------------------------------------------------------------
                                                                    Fixed Maturity Securities:                           
                                          -------------------------------------------------------------------------------
                                                                 U.S.               State and                            
                                            U.S.     Foreign   Treasury             Political                  Foreign   
                                          Corporate Corporate and Agency    RMBS   Subdivision  ABS    CMBS   Government 
                                          --------- --------- ----------- -------- ----------- ------ ------- -----------
                                                                           (In millions)                                 
                                                                                                                         
Year Ended December 31, 2012:                                                                                            
Balance at January 1,.................... $  1,432  $    580  $        -- $    239  $      23  $  220 $   147 $         2
Total realized/unrealized gains (losses)                                                                                 
 included in:                                                                                                            
  Net income (loss): (1), (2)                                                                                            
   Net investment income.................        7        --           --       --         --      --      --          --
   Net investment gains (losses).........       --      (24)           --      (4)         --      --     (1)          --
   Net derivative gains (losses).........       --        --           --       --         --      --      --          --
  OCI....................................       66        44           --       39          2       8       6           1
Purchases (3)............................      227       269           --       61         --     148      22          --
Sales (3)................................    (183)      (56)           --     (63)         --    (15)    (71)          --
Issuances (3)............................       --        --           --       --         --      --      --          --
Settlements (3)..........................       --        --           --       --         --      --      --          --
Transfers into Level 3 (4)...............       76        68           --        6         --      --      39          --
Transfers out of Level 3 (4).............    (191)      (13)           --       --         --    (18)    (17)          --
                                          --------  --------  ----------- --------  ---------  ------ ------- -----------
Balance at December 31,.................. $  1,434  $    868  $        -- $    278  $      25  $  343 $   125 $         3
                                          ========  ========  =========== ========  =========  ====== ======= ===========
Changes in unrealized gains (losses)                                                                                     
 included in net income (loss): (5)                                                                                      
  Net investment income.................. $      7  $      1  $        -- $     --  $      --  $   -- $    -- $        --
  Net investment gains (losses).......... $     --  $   (16)  $        -- $    (2)  $      --  $   -- $    -- $        --
  Net derivative gains (losses).......... $     --  $     --  $        -- $     --  $      --  $   -- $    -- $        --

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                          Fair Value Measurements Using Significant Unobservable Inputs (Level 3)      
                                    -----------------------------------------------------------------------------------
                                    Equity Securities:                Net Derivatives: (6)                             
                                    -------------------             ------------------------                           
                                       Non-                                                                            
                                    redeemable                                                                Separate 
                                    Preferred   Common  Short-term  Interest         Equity   Net Embedded    Account  
                                      Stock     Stock   Investments   Rate   Credit  Market  Derivatives (7) Assets (8)
                                    ---------- -------- ----------- -------- ------ -------- --------------- ----------
                                                                       (In millions)                                   
                                                                                                                       
Year Ended December 31, 2012:                                                                                          
Balance at January 1,.............. $       76 $     21  $       10  $  174  $ (1)  $     43   $       1,009   $    130
Total realized/unrealized gains                                                                                        
 (losses) included in:                                                                                                 
 Net income (loss): (1), (2)                                                                                           
   Net investment income...........         --       --          --      --     --        --              --         --
   Net investment gains (losses)...         --      (2)          --      --     --        --              --         16
   Net derivative gains (losses)...         --       --          --       1     10      (91)           1,296         --
 OCI...............................         20        9          --       1     --        --              --         --
Purchases (3)......................         --       --          13      --     --        --              --          1
Sales (3)..........................        (3)      (2)        (10)      --     --        --              --        (5)
Issuances (3)......................         --       --          --    (10)     --        --              --         --
Settlements (3)....................         --       --          --    (47)     --       (3)            (15)         --
Transfers into Level 3 (4).........         --       --          --      --     --        --              --          1
Transfers out of Level 3 (4).......         --       --          --      --      1        --              --        (2)
                                    ---------- --------  ----------  ------  -----  --------   -------------   --------
Balance at December 31,............ $       93 $     26  $       13  $  119  $  10  $   (51)   $       2,290   $    141
                                    ========== ========  ==========  ======  =====  ========   =============   ========
Changes in unrealized gains                                                                                            
 (losses) included in net income                                                                                       
 (loss): (5)                                                                                                           
 Net investment income............. $       -- $     --  $       --  $   --  $  --  $     --   $          --   $     --
 Net investment gains (losses)..... $       -- $    (4)  $       --  $   --  $  --  $     --   $          --   $     --
 Net derivative gains (losses)..... $       -- $     --  $       --  $    3  $  11  $   (88)   $       1,305   $     --

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                              Fair Value Measurements Using Significant Unobservable Inputs (Level 3)     
                                          --------------------------------------------------------------------------------
                                                                     Fixed Maturity Securities:                           
                                          --------------------------------------------------------------------------------
                                                                                      State and                           
                                            U.S.     Foreign  U.S. Treasury           Political                 Foreign   
                                          Corporate Corporate  and Agency     RMBS   Subdivision  ABS    CMBS  Government 
                                          --------- --------- ------------- -------- ----------- ------ ------ -----------
                                                                           (In millions)                                  
                                                                                                                          
Year Ended December 31, 2011:                                                                                             
Balance at January 1,....................  $  1,510  $    880   $        34 $    282    $     32 $  321 $  130 $        14
Total realized/unrealized gains (losses)                                                                                  
 included in:                                                                                                             
  Net income (loss): (1), (2)                                                                                             
   Net investment income.................         6         1            --        1          --     --     --          --
   Net investment gains (losses).........        32      (20)            --      (5)          --    (6)     --          --
   Net derivative gains (losses).........        --        --            --       --          --     --     --          --
  OCI....................................        80        22            --      (9)         (8)      8     19          --
Purchases (3)............................        76       282            --       16          --    166     17          --
Sales (3)................................     (175)     (515)            --     (34)         (1)   (46)   (19)        (12)
Issuances (3)............................        --        --            --       --          --     --     --          --
Settlements (3)..........................        --        --            --       --          --     --     --          --
Transfers into Level 3 (4)...............        40         3            --        1          --     --     --          --
Transfers out of Level 3 (4).............     (137)      (73)          (34)     (13)          --  (223)     --          --
                                           --------  --------   ----------- --------    -------- ------ ------ -----------
Balance at December 31,..................  $  1,432  $    580   $        -- $    239    $     23 $  220 $  147 $         2
                                           ========  ========   =========== ========    ======== ====== ====== ===========
Changes in unrealized gains (losses)                                                                                      
 included in net income (loss): (5)                                                                                       
  Net investment income..................  $      6  $      1   $        -- $      1    $     -- $   -- $   -- $        --
  Net investment gains (losses)..........  $     --  $    (9)   $        -- $    (5)    $     -- $  (2) $   -- $        --
  Net derivative gains (losses)..........  $     --  $     --   $        -- $     --    $     -- $   -- $   -- $        --

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                               Fair Value Measurements Using Significant Unobservable Inputs (Level 3)     
                                          ---------------------------------------------------------------------------------
                                          Equity Securities:              Net Derivatives: (6)                             
                                          ------------------             -----------------------                           
                                             Non-                                                                          
                                          redeemable                                                              Separate 
                                          Preferred  Common  Short-term  Interest         Equity  Net Embedded    Account  
                                            Stock    Stock   Investments   Rate   Credit  Market Derivatives (7) Assets (8)
                                          ---------- ------- ----------- -------- ------- ------ --------------- ----------
                                                                      (In millions)                                        
                                                                                                                           
Year Ended December 31, 2011:                                                                                              
Balance at January 1,....................  $     214 $    22  $      173  $ (61)  $    11 $  12     $        677   $    133
Total realized/unrealized gains (losses)                                                                                   
 included in:                                                                                                              
  Net income (loss): (1), (2)                                                                                              
   Net investment income.................         --      --          --      --       --    --               --         --
   Net investment gains (losses).........       (24)       2         (1)      --       --    --               --        (7)
   Net derivative gains (losses).........         --      --          --      50     (10)    32              254         --
  OCI....................................          1     (6)          --     199       --    --               --         --
Purchases (3)............................         --       9          10      --       --     3               --          5
Sales (3)................................      (115)     (6)       (172)      --       --    --               --        (1)
Issuances (3)............................         --      --          --      --      (1)   (4)               --         --
Settlements (3)..........................         --      --          --    (13)      (1)    --               78         --
Transfers into Level 3 (4)...............         --      --          --     (1)       --    --               --         --
Transfers out of Level 3 (4).............         --      --          --      --       --    --               --         --
                                           --------- -------  ----------  ------  ------- -----     ------------   --------
Balance at December 31,..................  $      76 $    21  $       10  $  174  $   (1) $  43     $      1,009   $    130
                                           ========= =======  ==========  ======  ======= =====     ============   ========
Changes in unrealized gains (losses)                                                                                       
 included in net income (loss): (5)                                                                                        
  Net investment income..................  $      -- $    --  $       --  $   --  $    -- $  --     $         --   $     --
  Net investment gains (losses)..........  $     (3) $    --  $       --  $   --  $    -- $  --     $         --   $     --
  Net derivative gains (losses)..........  $      -- $    --  $       --  $   39  $  (10) $  33     $        256   $     --

--------                                                                        

(1)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). Lapses associated with net 
embedded derivatives are included in net derivative gains (losses).       

(2)Interest and dividend accruals, as well as cash interest coupons and         
dividends received, are excluded from the rollforward.                    

(3)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.                                                           

(4)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.                                        

(5)Changes in unrealized gains (losses) included in net income (loss) relate to 
assets and liabilities still held at the end of the respective periods.   

(6)Freestanding derivative assets and liabilities are presented net for         
purposes of the rollforward.                                              

(7)Embedded derivative assets and liabilities are presented net for purposes of 
the rollforward.                                                          

(8)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. For the purpose of this disclosure, these changes 
are presented within net investment gains (losses).                       

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Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

Fair Value Option                                                             

 The following table presents information for certain assets and liabilities
of CSEs, which are accounted for under the FVO. These assets and liabilities  
were initially measured at fair value.                                        

                                                        [Enlarge/Download Table]

                                                                             December 31,   
                                                                           -----------------
                                                                              2013     2012 
                                                                           -------- --------
                                                                             (In millions)  
                                                                                            
Assets: (1)                                                                                 
Unpaid principal balance.................................................. $  1,528 $  2,539
Difference between estimated fair value and unpaid principal balance......       70      127
                                                                           -------- --------
 Carrying value at estimated fair value................................... $  1,598 $  2,666
                                                                           ======== ========
Liabilities: (1)                                                                            
Contractual principal balance............................................. $  1,436 $  2,444
Difference between estimated fair value and contractual principal balance.       25      115
                                                                           -------- --------
 Carrying value at estimated fair value................................... $  1,461 $  2,559
                                                                           ======== ========

--------                                                                        

(1)These assets and liabilities are comprised of commercial mortgage loans and  
long-term debt. Changes in estimated fair value on these assets and       
liabilities and gains or losses on sales of these assets are recognized in
 net investment gains (losses). Interest income on commercial mortgage loans
  held by CSEs -- FVO is recognized in net investment income. Interest expense
from long-term debt of CSEs -- FVO is recognized in other expenses.       

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; that is, they are not measured at fair value on a recurring    
basis but are subject to fair value adjustments only in certain circumstances   
(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, 
                                         -------------------------------- --------------------------
                                          2013       2012       2011        2013     2012     2011  
                                           ------     ------    -------   -------- --------- -------
                                         Carrying Value After Measurement       Gains (Losses)      
                                         -------------------------------- --------------------------
                                                          (In millions)                             
                                                                                                    
Mortgage loans, net (1)................. $   36     $   65     $     8    $    (4) $       4 $     8
Other limited partnership interests (2). $    5     $    6     $     5    $    (6) $     (3) $   (2)
Real estate joint ventures (3).......... $    1     $    2     $    --    $    (1) $     (3) $    --
Goodwill (4)............................ $   --     $   --     $    --    $   (66) $   (394) $    --

--------                                                                        

(1)Estimated fair values for impaired mortgage loans are based on independent   
broker quotations or valuation models using unobservable inputs or, if the
loans are in foreclosure or are otherwise determined to be collateral     
dependent, are based on the estimated fair value of the underlying        
collateral or the present value of the expected future cash flows.        

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

(2)For these cost method investments, estimated fair value is determined from   
 information provided in 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. It is estimated 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, 2013 and 2012 were not significant.      

(3)For these cost method investments, estimated fair value is determined from   
 information provided in the financial statements of the underlying entities
  including NAV data. These investments include several real estate funds that
 typically invest primarily in commercial real estate. 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. It is estimated that the underlying assets of the funds will be
liquidated over the next one to 10 years. Unfunded commitments for these  
investments at both December 31, 2013 and 2012 were not significant.      

(4)As discussed in Note 10, in 2013, the Company recorded an impairment of      
goodwill associated with the Retail Life & Other reporting unit. In       
  addition, in 2012, the Company recorded an impairment of goodwill associated
with the Retail Annuities reporting unit. These impairments have been     
categorized as Level 3 due to the significant unobservable inputs used in 
the determination of the estimated fair value.                            

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 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 and, to a lesser extent, in Level 1,        
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 table     
below are not considered financial instruments subject to this disclosure.      

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

 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, 2013                       
                                     --------------------------------------------------------------
                                                       Fair Value Hierarchy                        
                                               ------------------------------------                
                                     Carrying                                       Total Estimated
                                      Value        Level 1     Level 2     Level 3    Fair Value   
                                     --------- ----------- ----------- ------------ ---------------
                                                             (In millions)                         
                                                                                                   
Assets                                                                                             
Mortgage loans...................... $   6,120 $        -- $        -- $      6,427  $      6,427  
Policy loans........................ $   1,219 $        -- $       872 $        407  $      1,279  
Real estate joint ventures.......... $      55 $        -- $        -- $         98  $         98  
Other limited partnership interests. $      78 $        -- $        -- $         89  $         89  
Other invested assets............... $     931 $        -- $       995 $         --  $        995  
Premiums, reinsurance and other                                                                    
 receivables........................ $   5,928 $        -- $        24 $      6,282  $      6,306  
Liabilities                                                                                        
PABs................................ $  20,875 $        -- $        -- $     21,987  $     21,987  
Long-term debt...................... $     790 $        -- $     1,009 $         --  $      1,009  
Other liabilities................... $     258 $        -- $        96 $        162  $        258  
Separate account liabilities........ $   1,448 $        -- $     1,448 $         --  $      1,448  

                                                           December 31, 2012                       
                                     --------------------------------------------------------------
                                                       Fair Value Hierarchy                        
                                               ------------------------------------                
                                     Carrying                                       Total Estimated
                                      Value        Level 1     Level 2     Level 3    Fair Value   
                                     --------- ----------- ----------- ------------ ---------------
                                                             (In millions)                         
Assets                                                                                             
Mortgage loans...................... $   6,491 $        -- $        -- $      7,009  $      7,009  
Policy loans........................ $   1,216 $        -- $       861 $        450  $      1,311  
Real estate joint ventures.......... $      59 $        -- $        -- $        101  $        101  
Other limited partnership interests. $      94 $        -- $        -- $        103  $        103  
Other invested assets............... $     432 $        -- $       548 $         --  $        548  
Premiums, reinsurance and other                                                                    
 receivables........................ $   6,015 $        -- $        86 $      6,914  $      7,000  
Liabilities                                                                                        
PABs................................ $  22,613 $        -- $        -- $     24,520  $     24,520  
Long-term debt...................... $     791 $        -- $     1,076 $         --  $      1,076  
Other liabilities................... $     237 $        -- $        81 $        156  $        237  
Separate account liabilities........ $   1,296 $        -- $     1,296 $         --  $      1,296  

 The methods, assumptions and significant valuation techniques and inputs used
to estimate the fair value of financial instruments are summarized as follows:  

Mortgage Loans                                                                

For mortgage loans, estimated fair value 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.                                    

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

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.              

Real Estate Joint Ventures and 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 in 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.                    

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.                         

PABs                                                                          

 These PABs include investment contracts. Embedded derivatives on investment
contracts and certain variable annuity guarantees accounted for as embedded   
derivatives are excluded from this caption in the preceding tables as they are
separately presented in "-- Recurring Fair Value Measurements."               

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Fair Value (continued)                                                       

  The investment contracts primarily include certain funding agreements, fixed
deferred annuities, modified guaranteed annuities, fixed term payout annuities
and total control accounts. 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 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, observable prices and spreads for     
similar publicly traded or privately traded issues.                           

Other Liabilities                                                             

Other liabilities consist primarily of interest payable, amounts due for  
securities purchased but not yet settled and funds withheld amounts payable,  
which are contractually withheld by the Company in accordance with the terms  
of the reinsurance agreements. 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.     

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 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.       

10. Goodwill                                                                    

Goodwill is the excess of cost over the estimated fair value of net assets  
acquired. Goodwill is not amortized but is tested for impairment at least       
annually or more frequently if events or circumstances, such as adverse changes 
in the business climate, indicate that there may be justification for           
conducting an interim test. Step 1 of the goodwill impairment process requires  
a comparison of the fair value of a reporting unit to its carrying value.       

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Goodwill (continued)                                                        

In performing the Company's goodwill impairment tests, the estimated fair       
values of the reporting units are first determined using a market multiple      
valuation approach. When further corroboration is required, the Company uses a  
discounted cash flow valuation approach. For reporting units which are          
particularly sensitive to market assumptions, the Company may use additional    
valuation methodologies to estimate the reporting units' fair values.           

 The market multiple valuation approach utilizes market multiples of companies
with similar businesses and the projected operating earnings of the reporting   
unit. The discounted cash flow valuation approach requires judgments about      
revenues, operating earnings projections, capital market assumptions and        
discount rates. The key inputs, judgments and assumptions necessary in          
determining estimated fair value of the reporting units include projected       
operating earnings, current book value, the level of economic capital required  
to support the mix of business, long-term growth rates, comparative market      
multiples, the account value of in-force business, projections of new and       
renewal business, as well as margins on such business, the level of interest    
rates, credit spreads, equity market levels, and the discount rate that the     
Company believes is appropriate for the respective reporting unit.              

The valuation methodologies utilized are subject to key judgments and       
assumptions that are sensitive to change. Estimates of fair value are           
inherently uncertain and represent only management's reasonable expectation     
regarding future developments. These estimates and the judgments and            
assumptions upon which the estimates are based will, in all likelihood, differ  
in some respects from actual future results. Declines in the estimated fair     
value of the Company's reporting units could result in goodwill impairments in  
future periods which could materially adversely affect the Company's results of 
operations or financial position.                                               

During the 2013 annual goodwill impairment tests, the market multiple and   
discounted cash flow valuation techniques indicated that the fair value of the  
Retail Life & Other reporting unit was below its carrying value. Due to these   
results, an actuarial appraisal, which estimates the net worth of the reporting 
unit, the value of existing business and the value of new business, was also    
performed. This appraisal also resulted in a fair value of the Retail Life &    
Other reporting unit that was less than the carrying value, indicating a        
potential for goodwill impairment. An increase in required reserves on          
universal life products with secondary guarantees, together with modifications  
to financial reinsurance treaty terms, was reflected in the fair value          
estimate. In addition, decreased future sales assumptions reflected in the      
valuation were driven by the discontinuance of certain sales of universal life  
products with secondary guarantees by the Company. Accordingly, the Company     
performed Step 2 of the goodwill impairment process, which compares the implied 
fair value of goodwill with the carrying value of that goodwill in the          
reporting unit to calculate the amount of goodwill impairment. The Company      
determined that all of the recorded goodwill associated with the Retail Life &  
Other reporting unit was not recoverable and recorded a non-cash charge of $66  
million ($57 million, net of income tax) for the impairment of the entire       
goodwill balance in the consolidated statements of operations for the year      
ended December 31, 2013. The full amount was impaired at MetLife Insurance      
Company of Connecticut.                                                         

 In addition, the Company performed its annual goodwill impairment test of its
Corporate Benefit Funding reporting unit using a market multiple valuation      
approach and concluded that the fair value of such reporting unit was in excess 
of its carrying value and, therefore, goodwill was not impaired.                

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Goodwill (continued)                                                        

Information regarding goodwill by segment, as well as Corporate & Other, was
as follows:                                                                     

                                                                [Download Table]

                                       Corporate                     
                                        Benefit   Corporate          
                               Retail   Funding  & Other (1)  Total  
                              -------- --------- ----------- --------
                                           (In millions)             
                                                                     
Balance at January 1, 2012                                           
Goodwill..................... $    241  $  307    $    405   $    953
Accumulated impairment.......       --      --          --         --
                              --------  ------    --------   --------
 Total goodwill, net......... $    241  $  307    $    405   $    953

Impairments (2)..............    (218)      --       (176)      (394)

Balance at December 31, 2012                                         
Goodwill..................... $    241  $  307    $    405   $    953
Accumulated impairment.......    (218)      --       (176)      (394)
                              --------  ------    --------   --------
 Total goodwill, net......... $     23  $  307    $    229   $    559
Impairments                       (23)      --        (43)       (66)
Balance at December 31, 2013.                                        
Goodwill..................... $    241  $  307    $    405   $    953
Accumulated impairment.......    (241)      --       (219)      (460)
                              --------  ------    --------   --------
 Total goodwill, net......... $     --  $  307    $    186   $    493
                              ========  ======    ========   ========

--------                                                                        

(1)For purposes of goodwill impairment testing, the $229 million of net         
goodwill in Corporate & Other at December 31, 2012, which resulted from   
goodwill acquired as part of the 2005 Travelers acquisition, was allocated
to business units of the Retail and Corporate Benefit Funding segments in 
the amounts of $43 million and $186 million, respectively. As reflected in
the table, the $43 million related to the Retail segment was impaired for 
the year ended December 31, 2013.                                         

(2)In connection with its annual goodwill impairment testing, the Company       
determined that all of the recorded goodwill associated with the Retail   
 Annuities reporting unit was not recoverable and recorded a non-cash charge
 of $394 million ($147 million, net of income tax) for the impairment of the
  entire goodwill balance in the consolidated statements of operations for the
  year ended December 31, 2012. Of this amount, $327 million ($80 million, net
of income tax) was impaired at MetLife Insurance Company of Connecticut.  

11. Debt                                                                        

Long-term debt outstanding was as follows:                                  

                                                                [Download Table]

                                                        December 31,   
                                    Interest          -----------------
                                      Rate   Maturity   2013     2012  
                                    -------- -------- -------- --------
                                                        (In millions)  
                                                                       
Surplus notes -- affiliated........   8.60%      2038 $    750 $    750
Long-term debt -- unaffiliated (1).   7.03%      2030       40       41
                                                      -------- --------
 Total long-term debt (2)..........                   $    790 $    791
                                                      ======== ========

--------                                                                        

(1)Principal and interest is paid quarterly.                                    

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

11. Debt (continued)                                                            

(2)Excludes $1.5 billion and $2.6 billion of long-term debt relating to CSEs at 
December 31, 2013 and 2012, respectively. See Note 7.                     

The aggregate maturities of long-term debt at December 31, 2013 are $1      
million in each of 2014, 2015, 2016, and 2017, $2 million in 2018 and $784      
million thereafter.                                                             

Interest expense related to the Company's indebtedness included in other    
expenses was $68 million, $68 million and $67 million for the years ended       
December 31, 2013, 2012 and 2011, respectively.                                 

Payments of interest and principal on the surplus notes, which are          
subordinate to all other obligations at the operating company level, may be     
made only with the prior approval of the insurance department of the state of   
domicile.                                                                       

12. Equity                                                                      

Return of Capital                                                               

During the year ended December 31, 2011, Sino-US MetLife Insurance Company  
Limited ("Sino"), an insurance underwriting joint venture of the Company        
accounted for under the equity method, merged with United MetLife Insurance     
Company Limited ("United"), another insurance underwriting joint venture of an  
affiliate of the Company. MetLife Insurance Company of Connecticut's ownership  
interest in the merged entity, Sino-US United MetLife Insurance Company Limited 
("Sino-United") was determined based on its contributed capital and share of    
undistributed earnings of Sino compared to the contributed capital and          
undistributed earnings of all other investees of Sino and United. Since both of 
the joint ventures were under common ownership both prior to and subsequent to  
the merger, MetLife Insurance Company of Connecticut's investment in            
Sino-United is based on the carrying value of its investment in Sino. Pursuant  
to the merger, MetLife Insurance Company of Connecticut entered into an         
agreement to pay the affiliate an amount based on the relative fair values of   
their respective investments in Sino-United. Accordingly, upon completion of    
the estimation of fair value, $47 million, representing a return of capital,    
was paid during the year ended December 31, 2011. MetLife Insurance Company of  
Connecticut's investment in Sino-United is accounted for under the equity       
method and is included in other invested assets.                                

Common Stock                                                                    

The Company has 40,000,000 authorized shares of common stock, 34,595,317    
shares of which were outstanding at both December 31, 2013 and 2012. Of such    
outstanding shares, 30,000,000 shares are owned directly by MetLife and the     
remaining shares are owned by MetLife Investors Group, Inc.                     

Statutory Equity and Income                                                     

Each U.S. insurance company's state of domicile 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"). Companies below specific      
trigger points or ratios are classified within certain levels, each of which    
requires                                                                        

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

12. Equity (continued)                                                          

specified corrective action. The minimum level of TAC before corrective action  
commences is twice ACL RBC. The RBC ratio for MetLife Insurance Company of      
Connecticut and its U.S. insurance subsidiary, MLI-USA, were in excess of 400%  
for all periods presented.                                                      

MetLife Insurance Company of Connecticut and its 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 or applicable foreign jurisdiction. 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 various state insurance departments may impact  
the effect of Statutory Codification on the statutory capital and surplus of    
MetLife Insurance Company of Connecticut and MLI-USA.                           

 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.                                                

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.        

Statutory net income (loss) of MetLife Insurance Company of Connecticut, a  
Connecticut domiciled insurer, was $790 million, $848 million and $46 million   
for the years ended December 31, 2013, 2012 and 2011, respectively. Statutory   
capital and surplus was $4.8 billion and $5.3 billion at December 31, 2013 and  
2012, respectively. All such amounts are derived from the statutory-basis       
financial statements as filed with the Connecticut Insurance Department.        

Statutory net income (loss) of MLI-USA, a Delaware domiciled insurer, was   
$209 million, $84 million and $178 million for the years ended December 31,     
2013, 2012 and 2011, respectively. Statutory capital and surplus was $1.9       
billion and $1.7 billion at December 31, 2013 and 2012, respectively. All such  
amounts are derived from the statutory-basis financial statements as filed with 
the Delaware Department of Insurance.                                           

As of December 31, 2013, MetLife Insurance Company of Connecticut's sole    
foreign insurance subsidiary, MetLife Assurance Limited ("MAL") was regulated   
by authorities in the United Kingdom and was subject to minimum capital and     
solvency requirements before corrective action commences. The required capital  
and surplus was $165 million and the actual regulatory capital and surplus was  
$573 million as of the date of the most recent capital adequacy calculation for 
the jurisdiction. MAL exceeded these minimum capital and solvency requirements  
for all other periods presented. See Note 17 for additional information on MAL. 

Dividend Restrictions                                                           

Under Connecticut State Insurance Law, MetLife Insurance Company of         
Connecticut is permitted, without prior insurance regulatory clearance, to pay  
stockholder dividends to its stockholders as long as the amount of such         
dividends, when aggregated with all other dividends in the preceding 12 months, 
does not exceed the greater                                                     

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

12. Equity (continued)                                                          

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. MetLife Insurance Company of Connecticut   
will be permitted to pay a dividend in excess of the greater of such two        
amounts only if it files notice of its declaration of such a dividend and the   
amount thereof with the Connecticut Commissioner of Insurance (the "Connecticut 
Commissioner") and the Connecticut Commissioner either approves the             
distribution of the dividend or does not disapprove the payment within 30 days  
after notice. In addition, any dividend that exceeds earned surplus (defined as 
"unassigned funds (surplus)" reduced by 25% of unrealized appreciation in value 
or revaluation of assets or unrealized profits on investments) as of the last   
filed annual statutory statement requires insurance regulatory approval. Under  
Connecticut State Insurance Law, the Connecticut Commissioner 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. During the year ended December 31, 2013, MetLife Insurance        
Company of Connecticut paid a dividend to its stockholders in the amount of     
$1.0 billion. During the year ended December 31, 2012, MetLife Insurance        
Company of Connecticut paid total dividends of $706 million. During June 2012,  
the Company distributed all of the issued and outstanding shares of common      
stock of MetLife Europe to its stockholders as an in-kind extraordinary         
dividend of $202 million, as calculated on a statutory basis. Regulatory        
approval for this extraordinary dividend was obtained due to the timing of      
payment. During December 2012, MetLife Insurance Company of Connecticut paid a  
dividend to its stockholders in the amount of $504 million, which represented   
its ordinary dividend capacity at year-end 2012. Due to the June 2012 in -kind  
dividend, a portion of this was extraordinary and regulatory approval was       
obtained. During the years ended December 31, 2011, MetLife Insurance Company   
of Connecticut paid a dividend of $517 million. Based on amounts at             
December 31, 2013, MetLife Insurance Company of Connecticut could pay a         
stockholder dividend in 2014 of $1.0 billion without prior approval of the      
Connecticut Commissioner.                                                       

Under Delaware State Insurance Law, MLI-USA is permitted, without prior     
insurance regulatory clearance, to pay a stockholder dividend to MetLife        
Insurance Company of Connecticut as long as the amount of the dividend when     
aggregated with all other dividends in the preceding 12 months does not exceed  
the greater of: (i) 10% of its surplus to policyholders as of the end of the    
immediately preceding calendar year; or (ii) its net statutory gain from        
operations for the immediately preceding calendar year (excluding realized      
capital gains). MLI-USA will be permitted to pay a dividend to MetLife          
Insurance Company of Connecticut in excess of the greater of such two amounts   
only if it files notice of the declaration of such a dividend and the amount    
thereof with the Delaware Commissioner of Insurance (the "Delaware              
Commissioner") and the Delaware Commissioner either approves the distribution   
of the dividend or does not disapprove the distribution within 30 days of its   
filing. In addition, any dividend that exceeds earned surplus (defined as       
"unassigned funds (surplus)") as of the immediately preceding calendar year     
requires insurance regulatory approval. Under Delaware State Insurance Law, the 
Delaware Commissioner 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. During the years ended December 31, 2013, 2012   
and 2011, MLI-USA did not pay dividends to MetLife Insurance Company of         
Connecticut. Because MLI-USA's statutory unassigned funds were negative at      
December 31, 2013, MLI-USA cannot pay any dividends in 2014 without prior       
regulatory approval.                                                            

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

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, net
of income tax, was as follows:                                                  

                                                        [Enlarge/Download Table]

                                                    Unrealized                       Foreign             
                                                 Investment Gains     Unrealized    Currency             
                                                 (Losses), Net of   Gains (Losses) Translation           
                                                Related Offsets (1) on Derivatives Adjustments   Total   
                                                ------------------- -------------- ----------- ----------
                                                                      (In millions)                      
                                                                                                         
Balance at December 31, 2010...................      $          412    $      (70)  $    (125) $      217
OCI before reclassifications...................               2,118            356        (16)      2,458
Income tax expense (benefit)...................               (747)          (125)           2      (870)
                                                     --------------    -----------  ---------- ----------
 OCI before reclassifications, net of income                                                             
   tax.........................................               1,783            161       (139)      1,805
Amounts reclassified from AOCI.................                (44)            (9)          --       (53)
Income tax expense (benefit)...................                  16              3          --         19
                                                     --------------    -----------  ---------- ----------
 Amounts reclassified from AOCI, net of income                                                           
   tax.........................................                (28)            (6)          --       (34)
                                                     --------------    -----------  ---------- ----------
Balance at December 31, 2011...................               1,755            155       (139)      1,771
OCI before reclassifications...................                 945              7          88      1,040
Income tax expense (benefit)...................               (350)            (1)           2      (349)
                                                     --------------    -----------  ---------- ----------
 OCI before reclassifications, net of income                                                             
   tax.........................................               2,350            161        (49)      2,462
Amounts reclassified from AOCI.................                (95)            (3)          --       (98)
Income tax expense (benefit)...................                  35              1          --         36
                                                     --------------    -----------  ---------- ----------
 Amounts reclassified from AOCI, net of income                                                           
   tax.........................................                (60)            (2)          --       (62)
                                                     --------------    -----------  ---------- ----------
Balance at December 31, 2012...................               2,290            159        (49)      2,400
OCI before reclassifications...................             (2,039)          (193)          28    (2,204)
Income tax expense (benefit)...................                 671             68         (2)        737
                                                     --------------    -----------  ---------- ----------
 OCI before reclassifications, net of income                                                             
   tax.........................................                 922             34        (23)        933
Amounts reclassified from AOCI.................                (55)           (11)          --       (66)
Income tax expense (benefit)...................                  18              4          --         22
                                                     --------------    -----------  ---------- ----------
 Amounts reclassified from AOCI, net of income                                                           
   tax.........................................                (37)            (7)          --       (44)
                                                     --------------    -----------  ---------- ----------
Balance at December 31, 2013...................      $          885    $        27  $     (23) $      889
                                                     ==============    ===========  ========== ==========

--------                                                                        

(1)See Note 7 for information on offsets to investments related to insurance    
liabilities and DAC and VOBA.                                             

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

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]

                                                                                   Statement of Operations and     
AOCI Components                                 Amounts Reclassified from AOCI Comprehensive Income (Loss) Location
--------------------------------------------    -----------------------------  ------------------------------------
                                                  Years Ended December 31,                                         
                                                -----------------------------                                      
                                                  2013       2012      2011                                        
                                                ---------  --------- ---------                                     
                                                        (In millions)                                              
                                                                                                                   
Net unrealized investment gains (losses):                                                                          
  Net unrealized investment gains                                                                                  
   (losses).................................... $      48  $      98 $      14 Other net investment gains (losses) 
  Net unrealized investment gains                                                                                  
   (losses)....................................        16          6        25 Net investment income               
  Net unrealized investment gains                                                                                  
   (losses)....................................         2       (12)        10 Net derivative gains (losses)       
  OTTI.........................................      (11)          3       (5) OTTI on fixed maturity securities   
                                                ---------  --------- ---------                                     
    Net unrealized investment gains                                                                                
     (losses), before income tax...............        55         95        44                                     
    Income tax (expense) benefit...............      (18)       (35)      (16)                                     
                                                ---------  --------- ---------                                     
    Net unrealized investment gains                                                                                
     (losses), net of income tax............... $      37  $      60 $      28                                     
                                                =========  ========= =========                                     
Unrealized gains (losses) on derivatives -                                                                         
 cash flow hedges:                                                                                                 
  Interest rate swaps..........................        --         --         1 Net derivative gains (losses)       
  Interest rate forwards.......................         9          1         9 Net derivative gains (losses)       
  Interest rate forwards.......................         1          1        -- Net investment income               
  Foreign currency swaps.......................        --          1       (2) Net derivative gains (losses)       
  Credit forwards..............................        --         --         1 Net derivative gains (losses)       
  Credit forwards..............................         1         --        -- Net investment income               
                                                ---------  --------- ---------                                     
    Gains (losses) on cash flow hedges,                                                                            
     before income tax.........................        11          3         9                                     
    Income tax (expense) benefit...............       (4)        (1)       (3)                                     
                                                ---------  --------- ---------                                     
    Gains (losses) on cash flow hedges, net                                                                        
     of income tax............................. $       7  $       2 $       6                                     
                                                =========  ========= =========                                     
Total reclassifications, net of income tax..... $      44  $      62 $      34                                     
                                                =========  ========= =========                                     

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

13. Other Expenses                                                              

Information on other expenses was as follows:                               

                                                                [Download Table]

                                                    Years Ended December 31,  
                                                  ----------------------------
                                                    2013     2012      2011   
                                                  -------- -------- ----------
                                                         (In millions)        
                                                                              
Compensation..................................... $    352 $    402 $      357
Commissions......................................      639      939      1,418
Volume-related costs.............................      138      159        196
Affiliated interest costs on ceded reinsurance...      212      271        271
Capitalization of DAC............................    (504)    (886)    (1,365)
Amortization of DAC and VOBA.....................       50    1,035      1,159
Interest expense on debt and debt issuance costs.      190      231        389
Premium taxes, licenses and fees.................       57       63         75
Professional services............................       41       25         50
Rent and related expenses........................       31       37         29
Other............................................      453      444        402
                                                  -------- -------- ----------
 Total other expenses............................ $  1,659 $  2,720 $    2,981
                                                  ======== ======== ==========

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.                                                

Interest Expense on Debt and Debt Issuance Costs                                

 Interest expense on debt and debt issuance costs includes interest expense on
debt (see Note 11) and interest expense related to CSEs (see Note 7).           

Affiliated Expenses                                                             

 Commissions, capitalization of DAC and amortization of DAC include the impact
of affiliated reinsurance transactions. See Notes 6, 11 and 16 for discussion   
of affiliated expenses included in the table above.                             

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

14. Income Tax                                                                  

The provision for income tax from continuing operations was as follows:     

                                                        [Enlarge/Download Table]

                                                            Years Ended December 31,                           
                                                            ---------------------------------------------------
                                                             2013             2012              2011           
                                                                ------          --------          --------     
                                                                 (In millions)                                 
                                                                                                               
Current:                                                                                                       
 Federal................................................... $ (41)          $  (235)          $  (157)         
 Foreign...................................................      8              (10)               (5)         
                                                                ------          --------          --------     
   Subtotal................................................   (33)             (245)             (162)         
                                                                ------          --------          --------     
Deferred:                                                                                                      
 Federal...................................................    242               598               613         
 Foreign...................................................     18                19                42         
                                                                ------          --------          --------     
   Subtotal................................................    260               617               655         
                                                                ------          --------          --------     
     Provision for income tax expense (benefit)............ $  227          $    372          $    493         
                                                                ======          ========          ========     
  The Company's income (loss) from continuing operations before income tax expense (benefit) from domestic     
and foreign operations were as follows:                                                                        
                                                            Years Ended December 31,                           
                                                            ---------------------------------------------------
                                                             2013             2012              2011           
                                                                ------          --------          --------     
                                                                 (In millions)                                 
Income (loss) from continuing operations:                                                                      
 Domestic.................................................. $  869          $  1,492          $  1,545         
 Foreign...................................................     78               (2)               122         
                                                                ------          --------          --------     
   Total................................................... $  947          $  1,490          $  1,667         
                                                                ======          ========          ========     
  The reconciliation of the income tax provision at the U.S. statutory rate to the provision for income tax as 
reported for continuing operations was as follows:                                                             
                                                            Years Ended December 31,                           
                                                            ---------------------------------------------------
                                                             2013             2012              2011           
                                                                ------          --------          --------     
                                                                 (In millions)                                 
Tax provision at U.S. statutory rate....................... $  331          $    522          $    583         
Tax effect of:                                                                                                 
 Dividend received deduction...............................   (81)              (70)              (69)         
 Tax-exempt income.........................................     --               (1)               (2)         
 Prior year tax............................................    (4)                 3               (9)         
 Tax credits...............................................   (10)               (8)              (11)         
 Foreign tax rate differential.............................    (2)                13               (1)         
 Change in valuation allowance.............................     --                22               (2)         
 Goodwill impairment.......................................     13             (109)                --         
 Sale of subsidiary........................................   (24)                --                --         
 Other, net................................................      4                --                 4         
                                                                ------          --------          --------     
   Provision for income tax expense (benefit).............. $  227          $    372          $    493         
                                                                ======          ========          ========     

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

14. Income Tax (continued)                                                      

  Deferred income tax represents the tax effect of the differences between the
book and tax basis of assets and liabilities. Net deferred income tax assets  
and liabilities consisted of the following at:                                

                                                        [Enlarge/Download Table]

                                                                       December 31,                              
                                                            -----------------------------------------------------
                                                                 2013                        2012                
                                                            ----------------              ------------------     
                                                                       (In millions)                             
                                                                                                                 
Deferred income tax assets:                                                                                      
 Policyholder liabilities and receivables.................. $          1,282          $              883         
 Net operating loss carryforwards..........................               22                          32         
 Employee benefits.........................................               --                           3         
 Tax credit carryforwards..................................              125                          92         
 Other.....................................................                7                          35         
                                                                     ----------------     ------------------     
   Total gross deferred income tax assets..................            1,436                       1,045         
 Less: Valuation allowance.................................               --                          25         
                                                                     ----------------     ------------------     
   Total net deferred income tax assets....................            1,436                       1,020         
                                                                     ----------------     ------------------     
Deferred income tax liabilities:                                                                                 
 Investments, including derivatives........................              651                         258         
 Net unrealized investment gains...........................              575                       1,336         
 DAC and VOBA..............................................            1,543                       1,281         
 Other.....................................................               52                          15         
                                                                     ----------------     ------------------     
   Total deferred income tax liabilities...................            2,821                       2,890         
                                                                     ----------------     ------------------     
     Net deferred income tax asset (liability)............. $        (1,385)          $          (1,870)         
                                                                     ================     ==================     
   The following table sets forth the domestic net operating carryforwards for tax purposes at December 31,      
 2013:                                                                                                           
                                                                    Net Operating Loss                           
                                                                       Carryforwards                             
                                                            -----------------------------------------------------
                                                                Amount                    Expiration             
                                                            ----------------              ------------------     
                                                             (In millions)                                       
Domestic................................................... $             64           Beginning in 2028         

Tax credit carryforwards of $125 million at December 31, 2013 will expire 
beginning in 2015.                                                            

  Pursuant to Internal Revenue Service ("IRS") rules, the Company was excluded
from MetLife's life/non-life consolidated federal tax return for the five     
years subsequent to MetLife's July 2005 acquisition of the Company. In 2011,  
MetLife Insurance Company of Connecticut and its subsidiaries joined the      
consolidated return and became a party to the MetLife tax sharing agreement.  
Prior to 2011, MetLife Insurance Company of Connecticut filed a consolidated  
tax return with its includable subsidiaries. Non-includable subsidiaries filed
either separate individual corporate tax returns or separate consolidated tax 
returns.                                                                      

The Company participates in a tax sharing agreement with MetLife, as      
described in Note 1. Pursuant to this tax sharing agreement, the amounts due  
from affiliates included $194 million, $135 million, and $151 million at      
December 31, 2013, 2012, and 2011, respectively.                              

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

14. Income Tax (continued)                                                      

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 IRS and other tax authorities  
in jurisdictions in which the Company has significant business operations. The
income tax years under examination vary by jurisdiction. The Company is no    
longer subject to U.S. federal, state or local income tax examinations in     
major taxing jurisdictions for years prior to 2005. In 2012, the Company and  
the IRS completed and settled substantially all the issues identified in the  
audit years of 2005 and 2006. The issues not settled are under review at the  
IRS Appeals Division.                                                         

The Company's liability for unrecognized tax benefits may increase or     
decrease in the next 12 months. 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,  
                                                                          ---------------------------
                                                                           2013     2012      2011   
                                                                          ------- --------- ---------
                                                                                 (In millions)       
                                                                                                     
Balance at January 1,.................................................... $   (1) $      29 $      38
Additions for tax positions of prior years...............................      25        46        --
Reductions for tax positions of prior years..............................     (1)      (76)       (3)
Additions for tax positions of current year..............................       1         9         2
Reductions for tax positions of current year.............................     (1)       (9)       (8)
                                                                          ------- --------- ---------
Balance at December 31,..................................................     $23 $     (1) $      29
                                                                          ======= ========= =========
Unrecognized tax benefits that, if recognized would impact the effective                             
  rate................................................................... $    23  $    (1)  $    (3)
                                                                          ======= ========= =========

  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,
                                                                  ------------------------
                                                                   2013    2012    2011   
                                                                  ------  ------  ------- 
                                                                      (In millions)       
                                                                                          
Interest recognized in the consolidated statements of operations. $    1  $  (9)  $    -- 

                                                                            December 31,  
                                                                          ----------------
                                                                           2013    2012   
                                                                          ------  ------- 
                                                                          (In millions)   
Interest included in other liabilities in the consolidated balance sheets $    1  $    -- 

  The Company had no penalties for the years ended December 31, 2013, 2012 and
2011.                                                                         

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

14. Income Tax (continued)                                                      

 The U.S. Treasury Department and the IRS have indicated that they intend to
address through regulations the methodology to be followed in determining the 
dividends received deduction ("DRD"), related to variable life insurance and  
annuity contracts. The DRD reduces the amount of dividend income subject to   
tax and is a significant component of the difference between the actual tax   
expense and expected amount determined using the federal statutory tax rate of
35%. Any regulations that the IRS ultimately proposes for issuance in this    
area will be subject to public notice and comment, at which time insurance    
companies and other interested parties will have the opportunity to raise     
legal and practical questions about the content, scope and application of such
regulations. As a result, the ultimate timing and substance of any such       
regulations are unknown at this time. For the years ended December 31, 2013   
and 2012, the Company recognized an income tax benefit of $92 million and $70 
million, respectively, related to the separate account DRD. The 2013 benefit  
included a benefit of $11 million related to a true-up of the 2012 tax return.
The 2012 benefit included an expense of less than $1 million related to a     
true-up of the 2011 tax return.                                               

15. Contingencies, Commitments and Guarantees                                   

Contingencies                                                                   

Litigation                                                                    

  The Company is a defendant in a number of litigation matters. In some of the
matters, 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, or at trial or on appeal. Disposition valuations are also subject to
the uncertainty of how opposing parties and their counsel will themselves 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
some of the matters 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 estimated at December 31, 2013.         

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

15. Contingencies, Commitments and Guarantees (continued)                       

Matters as to Which an Estimate Can Be Made                                 

For some of the matters discussed 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, no accrual has been made. As of  
December 31, 2013, the aggregate range of reasonably possible losses in excess
of amounts accrued for these matters was not material for the Company.        

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.           

Unclaimed Property Inquiries                                                

In April 2012, MetLife, for itself and on behalf of entities including    
MetLife Insurance Company of Connecticut, reached agreements with             
representatives of the U.S. jurisdictions that were conducting audits of      
MetLife and certain of its affiliates for compliance with unclaimed property  
laws, and with state insurance regulators directly involved in a multistate   
targeted market conduct examination relating to claim-payment practices and   
compliance with unclaimed property laws. On December 28, 2012, the West       
Virginia Treasurer filed an action (West Virginia ex rel. John D. Perdue v.   
MetLife Insurance Company of Connecticut, Circuit Court of Putnam County)     
alleging that the Company violated the West Virginia Uniform Unclaimed        
Property Act, seeking to compel compliance with the Act, and seeking payment  
of unclaimed property, interest, and penalties. On November 14, 2012, the     
Treasurer filed a substantially identical suit against MLI-USA. On            
December 30, 2013, the court granted defendants' motions to dismiss all of the
West Virginia Treasurer's actions. The Treasurer has filed a notice to appeal 
the dismissal order. At least one other jurisdiction is pursuing a similar    
market conduct examination. It is possible that other jurisdictions may pursue
similar examinations, audits, or lawsuits and that such actions may result in 
additional payments to beneficiaries, additional escheatment of funds deemed  
abandoned under state laws, administrative penalties, interest, and/or further
changes to the Company's procedures. The Company is not currently able to     
estimate these additional possible costs.                                     

Sales Practices Claims                                                      

Over the past several years, the Company has faced claims and regulatory  
inquires and investigations, alleging improper marketing or sales of          
individual life insurance policies, annuities, mutual funds or other products.
The Company continues to vigorously defend 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.                                           

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

15. Contingencies, Commitments and Guarantees (continued)                       

Summary                                                                     

 Various litigation, 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, employer, investor, investment advisor 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, 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.                                                                  

Assets and liabilities held for insolvency assessments were as follows:   

                                                                [Download Table]

                                                                December 31,  
                                                               ---------------
                                                                2013    2012  
                                                               ------- -------
                                                                (In millions) 
                                                                              
Other Assets:                                                                 
 Premium tax offset for future undiscounted assessments....... $    10 $    19
 Premium tax offsets currently available for paid assessments.      10       2
                                                               ------- -------
                                                               $    20 $    21
                                                               ======= =======
Other Liabilities:                                                            
 Insolvency assessments....................................... $    14 $    37
                                                               ======= =======

On September 1, 2011, the Department of Financial Services filed a        
liquidation plan for Executive Life Insurance Company of New York ("ELNY"),   
which had been under rehabilitation by the Liquidation Bureau since 1991. The 
plan involves the satisfaction of insurers' financial obligations under a     
number of state life and health insurance guaranty associations and also      
provides additional industry support for certain ELNY policyholders.          

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

15. Contingencies, Commitments and Guarantees (continued)                       

Commitments                                                                     

Commitments to Fund Partnership Investments                                 

   The Company makes commitments to fund partnership investments in the normal
course of business. The amounts of these unfunded commitments were $956     
million and $1.0 billion at December 31, 2013 and 2012, respectively. The   
Company anticipates that these amounts will be invested in partnerships over
the next five years.                                                        

Mortgage Loan Commitments                                                   

The Company commits to lend funds under mortgage loan commitments. The  
 amounts of these mortgage loan commitments were $147 million and $181 million
at December 31, 2013 and 2012, respectively.                                

Commitments to Fund Bank Credit Facilities and Private Corporate Bond       
Investments                                                                 

  The Company commits to lend funds under bank credit facilities and private
corporate bond investments. The amounts of these unfunded commitments were  
$57 million and $144 million at December 31, 2013 and 2012, respectively.   

Other Commitments                                                           

   The Company has entered into collateral arrangements with affiliates, which
require the transfer of collateral in connection with secured demand notes. 
At December 31, 2013 and 2012, the Company had agreed to fund up to $61     
million and $86 million, respectively, of cash upon the request by these    
affiliates and had transferred collateral consisting of various securities  
with a fair market value of $74 million and $106 million, respectively, to  
custody accounts to secure the demand notes. Each of these affiliates is    
permitted by contract to sell or repledge this collateral.                  

  See Note 7 "-- Related Party Investment Transactions" for additional other
commitments.                                                                

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. The maximum potential obligation under the indemnities and          
guarantees is subject to a contractual limitation, ranging from $36 million to  
$233 million, with a cumulative maximum of $269 million, in the case of MetLife 
International Insurance Company, Ltd. ("MLII"), a former affiliate, discussed   
below. In other cases such limitations are not specified or applicable. Since   
certain of these obligations are not subject to limitations, the                

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15. Contingencies, Commitments and Guarantees (continued)                       

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.                   

The Company has provided a guarantee on behalf of MLII that is triggered if 
MLII cannot pay claims because of insolvency, liquidation or rehabilitation.    
Life insurance coverage in-force, representing the maximum potential obligation 
under this guarantee, was $233 million and $235 million at December 31, 2013    
and 2012, respectively. The Company does not hold any collateral related to     
this guarantee, but has a recorded liability of $1 million that was based on    
the total account value of the guaranteed policies plus the amounts retained    
per policy at both December 31, 2013 and 2012. The remainder of the risk was    
ceded to external reinsurers.                                                   

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.                                                      

16. 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 management, policy administrative functions, personnel,      
investment advice 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 incidence of cost        
incurred by the Company and/or affiliate. Expenses incurred with affiliates     
related to these agreements, recorded in other expenses, were $1.6 billion,     
$1.7 billion and $1.9 billion for the years ended December 31, 2013, 2012 and   
2011, respectively. Revenues received from affiliates related to these          
agreements, recorded in universal life and investment-type product policy fees, 
were $209 million, $179 million and $145 million for the years ended            
December 31, 2013, 2012 and 2011, respectively. Revenues received from          
affiliates related to these agreements, recorded in other revenues, were $186   
million, $166 million and $136 million for the years ended December 31, 2013,   
2012 and 2011, respectively.                                                    

The Company had net payables to affiliates, related to the items discussed  
above, of $210 million and $109 million at December 31, 2013 and 2012,          
respectively.                                                                   

See Notes 6, 7 and 11 for additional information on related party           
transactions.                                                                   

17. Subsequent Events                                                           

Equity                                                                          

In August 2014, in anticipation of the Mergers, MetLife Insurance Company of
Connecticut redeemed and retired the 4,595,317 shares of MetLife Insurance      
Company of Connecticut's common stock owned by MetLife Investors Group, LLC for 
$1.4 billion; all of the outstanding shares of common stock of MetLife          
Insurance Company of Connecticut are now directly held by MetLife, Inc. MetLife 
Insurance Company of Connecticut does not expect to pay a dividend in 2014.     

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17. Subsequent Events (continued)                                               

In August 2014, following the common stock redemption, MetLife Insurance    
Company of Connecticut received a capital contribution from MetLife, Inc. of    
$231 million.                                                                   

Disposition                                                                     

In May 2014, the Company completed the sale of its wholly-owned subsidiary, 
MAL, for $702 million ((Pounds)418 million) in net cash consideration. As a     
result of the sale, a loss of $608 million ($436 million, net of income tax)    
was recorded, which includes a reduction to goodwill of $112 million ($94       
million, net of income tax). The loss on the sale was increased by net income   
from MAL of $77 million through the date of sale. Following the adoption of new 
guidance effective January 1, 2014, MAL's results of operations have been       
included in continuing operations in subsequent quarterly filings. They were    
historically included in the Corporate Benefit Funding segment.                 

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule I  
Consolidated Summary of Investments --  
Other Than Investments in Related Parties 
December 31, 2013 
(In millions) 

                                                        [Enlarge/Download Table]

                                                                                   Amount at   
                                                    Cost or       Estimated Fair Which Shown on
Types of Investments                           Amortized Cost (1)     Value      Balance Sheet 
--------------------                           ------------------ -------------- --------------
                                                                                               
Fixed maturity securities:                                                                     
 Bonds:                                                                                        
   U.S. Treasury and agency securities........    $         8,188  $     8,294    $       8,294
   Public utilities...........................              3,966        4,275            4,275
   State and political subdivision securities.              2,147        2,224            2,224
   Foreign government securities..............              1,038        1,122            1,122
   All other corporate bonds..................             19,512       20,478           20,478
                                                  ---------------  -----------    -------------
     Total bonds..............................             34,851       36,393           36,393
 Mortgage-backed and asset-backed securities..              8,214        8,393            8,393
 Redeemable preferred stock...................                412          466              466
                                                  ---------------  -----------    -------------
       Total fixed maturity securities........             43,477       45,252           45,252
                                                  ---------------  -----------    -------------
Equity securities:                                                                             
Common stock:                                                                                  
 Industrial, miscellaneous and all other......                161          201              201
 Non-redeemable preferred stock...............                236          217              217
                                                  ---------------  -----------    -------------
     Total equity securities..................                397          418              418
                                                  ---------------  -----------    -------------
       Mortgage loans, net....................              7,718                         7,718
Policy loans..................................              1,219                         1,219
Real estate and real estate joint ventures....                754                           754
Other limited partnership interests...........              2,130                         2,130
Short-term investments........................              2,107                         2,107
Other invested assets.........................              2,555                         2,555
                                                  ---------------                 -------------
        Total investments.....................    $        60,357                 $      62,153
                                                  ===============                 =============

--------                                                                        

(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      
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     
adjusted for valuation allowances and depreciation; for real estate joint 
ventures and other limited partnership interests cost represents original 
 cost reduced for other-than-temporary impairments or original cost adjusted
for equity in earnings and distributions.                                 

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule II 
Condensed Financial Information 
(Parent Company Only) 
December 31, 2013 and 2012  

(In millions, except share and per share data)  

                                                        [Enlarge/Download Table]

                                                                                                                  2013   
-                                                                                                               ---------
                                                                                                                         
Condensed Balance Sheets                                                                                                 
Assets                                                                                                                   
Investments:                                                                                                             
  Fixed maturity securities available-for-sale, at estimated fair value (amortized cost: $28,548 and $32,018,            
   respectively)............................................................................................... $  29,690
  Equity securities available-for-sale, at estimated fair value (cost: $284 and $273, respectively)............       319
  Mortgage loans (net of valuation allowances of $19 and $22, respectively)....................................     4,224
  Policy loans.................................................................................................     1,068
  Real estate and real estate joint ventures...................................................................       419
  Other limited partnership interests..........................................................................     1,318
  Short-term investments, principally at estimated fair value..................................................     1,512
  Investment in subsidiaries...................................................................................     6,099
  Loans to subsidiaries........................................................................................       680
  Other invested assets, principally at estimated fair value...................................................     1,139
                                                                                                                ---------
   Total investments...........................................................................................    46,468
Cash and cash equivalents, principally at estimated fair value.................................................       417
Accrued investment income......................................................................................       287
Premiums, reinsurance and other receivables....................................................................     7,195
Receivables from subsidiaries..................................................................................       858
Deferred policy acquisition costs and value of business acquired...............................................     1,011
Current income tax recoverable.................................................................................        88
Goodwill.......................................................................................................       493
Other assets...................................................................................................       132
Separate account assets........................................................................................    16,036
                                                                                                                ---------
   Total assets................................................................................................ $  72,985
                                                                                                                =========
Liabilities and Stockholders' Equity                                                                                     
Liabilities                                                                                                              
Future policy benefits......................................................................................... $  19,099
Policyholder account balances..................................................................................    22,387
Other policy-related balances..................................................................................       246
Payables for collateral under securities loaned and other transactions.........................................     4,811
Long-term debt -- affiliated...................................................................................       750
Current income tax payable.....................................................................................        --
Deferred income tax liability..................................................................................        16
Other liabilities..............................................................................................       852
Separate account liabilities...................................................................................    16,036
                                                                                                                ---------
   Total liabilities...........................................................................................    64,197
                                                                                                                ---------
Stockholders' Equity                                                                                                     
Common stock, par value $2.50 per share; 40,000,000 shares authorized; 34,595,317 shares issued and                      
 outstanding at December 31, 2013 and 2012.....................................................................        86
Additional paid-in capital.....................................................................................     6,737
Retained earnings..............................................................................................     1,076
Accumulated other comprehensive income (loss)..................................................................       889
                                                                                                                ---------
   Total stockholders' equity..................................................................................     8,788
                                                                                                                ---------
   Total liabilities and stockholders' equity.................................................................. $  72,985
                                                                                                                =========
                                                        [Enlarge/Download Table]

                                                                                                                  2012   
-                                                                                                               ---------
                                                                                                                         
Condensed Balance Sheets                                                                                                 
Assets                                                                                                                   
Investments:                                                                                                             
  Fixed maturity securities available-for-sale, at estimated fair value (amortized cost: $28,548 and $32,018,            
   respectively)............................................................................................... $  35,152
  Equity securities available-for-sale, at estimated fair value (cost: $284 and $273, respectively)............       277
  Mortgage loans (net of valuation allowances of $19 and $22, respectively)....................................     4,703
  Policy loans.................................................................................................     1,086
  Real estate and real estate joint ventures...................................................................       371
  Other limited partnership interests..........................................................................     1,181
  Short-term investments, principally at estimated fair value..................................................     1,833
  Investment in subsidiaries...................................................................................     6,641
  Loans to subsidiaries........................................................................................       305
  Other invested assets, principally at estimated fair value...................................................     1,682
                                                                                                                ---------
   Total investments...........................................................................................    53,231
Cash and cash equivalents, principally at estimated fair value.................................................       553
Accrued investment income......................................................................................       316
Premiums, reinsurance and other receivables....................................................................     7,003
Receivables from subsidiaries..................................................................................       833
Deferred policy acquisition costs and value of business acquired...............................................       789
Current income tax recoverable.................................................................................        --
Goodwill.......................................................................................................       558
Other assets...................................................................................................       140
Separate account assets........................................................................................    15,238
                                                                                                                ---------
   Total assets................................................................................................ $  78,661
                                                                                                                =========
Liabilities and Stockholders' Equity                                                                                     
Liabilities                                                                                                              
Future policy benefits......................................................................................... $  19,632
Policyholder account balances..................................................................................    24,039
Other policy-related balances..................................................................................       872
Payables for collateral under securities loaned and other transactions.........................................     6,477
Long-term debt -- affiliated...................................................................................       750
Current income tax payable.....................................................................................         3
Deferred income tax liability..................................................................................       266
Other liabilities..............................................................................................       824
Separate account liabilities...................................................................................    15,238
                                                                                                                ---------
   Total liabilities...........................................................................................    68,101
                                                                                                                ---------
Stockholders' Equity                                                                                                     
Common stock, par value $2.50 per share; 40,000,000 shares authorized; 34,595,317 shares issued and                      
 outstanding at December 31, 2013 and 2012.....................................................................        86
Additional paid-in capital.....................................................................................     6,718
Retained earnings..............................................................................................     1,356
Accumulated other comprehensive income (loss)..................................................................     2,400
                                                                                                                ---------
   Total stockholders' equity..................................................................................    10,560
                                                                                                                ---------
   Total liabilities and stockholders' equity.................................................................. $  78,661
                                                                                                                =========

See accompanying notes to the condensed financial information.  

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule II 
Condensed Financial Information -- (Continued)  
(Parent Company Only) 
For the Years Ended December 31, 2013, 2012 and 2011  
(In millions) 

                                                        [Enlarge/Download Table]

                                                                        2013      2012      2011   
                                                                      --------- --------- ---------
                                                                                                   
Condensed Statements of Operations                                                                 
Revenues                                                                                           
Premiums............................................................. $     181 $     144 $     148
Universal life and investment-type product policy fees...............       645       662       632
Net investment income................................................     1,797     1,854     1,943
Equity in earnings of subsidiaries...................................       287       773       574
Other revenues.......................................................       147       151       154
Net investment gains (losses)........................................        54        20        14
Net derivative gains (losses)........................................     (105)     (140)       241
                                                                      --------- --------- ---------
 Total revenues......................................................     3,006     3,464     3,706
                                                                      --------- --------- ---------
Expenses                                                                                           
Policyholder benefits and claims.....................................       916       797       755
Interest credited to policyholder account balances...................       618       666       710
Goodwill impairment..................................................        66       327        --
Other expenses.......................................................       499       576       772
                                                                      --------- --------- ---------
 Total expenses......................................................     2,099     2,366     2,237
                                                                      --------- --------- ---------
Income (loss) from continuing operations before provision for income                               
  tax................................................................       907     1,098     1,469
Provision for income tax expense (benefit)...........................       187      (20)       295
                                                                      --------- --------- ---------
Income (loss) from continuing operations, net of income tax..........       720     1,118     1,174
Income (loss) from discontinued operations, net of income tax........        --         8        --
                                                                      --------- --------- ---------
Net income (loss).................................................... $     720 $   1,126 $   1,174
                                                                      ========= ========= =========
Comprehensive income (loss).......................................... $   (791) $   1,755 $   2,728
                                                                      ========= ========= =========

See accompanying notes to the condensed financial information.  

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule II 
Condensed Financial Information -- (Continued)  
(Parent Company Only) 
For the Years Ended December 31, 2013, 2012 and 2011  
(In millions) 

                                                        [Enlarge/Download Table]

                                                                                2013        2012      2011   
                                                                            ------------ ---------- ---------
                                                                                                             
Condensed Statements of Cash Flows                                                                           
Cash flows from operating activities                                                                         
  Net cash provided by (used in) operating activities...................... $        957 $    1,184 $     886
Cash flows from investing activities                                                                         
  Sales, maturities, and repayments of:                                                                      
    Fixed maturity securities..............................................       14,647     10,714    13,921
    Equity securities......................................................           56         46       163
    Mortgage loans.........................................................        1,154        845       552
    Real estate and real estate joint ventures.............................           58         47        12
    Other limited partnership interests....................................          102        154       159
  Purchases of:                                                                                              
    Fixed maturity securities..............................................     (11,000)   (10,729)  (11,658)
    Equity securities......................................................         (51)       (27)      (22)
    Mortgage loans.........................................................        (648)      (428)     (946)
    Real estate and real estate joint ventures.............................        (129)       (77)      (83)
    Other limited partnership interests....................................        (192)      (179)     (214)
  Cash received in connection with freestanding derivatives................           73        362       375
  Cash paid in connection with freestanding derivatives....................        (644)      (322)     (453)
  Dividends from subsidiaries..............................................           25         --        --
  Returns of capital from subsidiaries.....................................           52         84        49
  Capital contributions to subsidiaries....................................          (3)      (166)     (422)
  Issuances of loans to affiliates.........................................        (375)         --     (305)
  Net change in policy loans...............................................           18         15        26
  Net change in short-term investments.....................................          321      (251)     (487)
  Net change in other invested assets......................................         (39)       (50)      (16)
                                                                            ------------ ---------- ---------
Net cash provided by (used in) investing activities........................        3,425         38       651
                                                                            ------------ ---------- ---------
Cash flows from financing activities                                                                         
  Policyholder account balances:                                                                             
    Deposits...............................................................       12,156     11,577    14,151
    Withdrawals............................................................     (13,987)   (12,298)  (15,754)
  Net change in payables for collateral under securities loaned and other                                    
   transactions............................................................      (1,666)        102     (482)
  Financing element on certain derivative instruments......................         (21)         75       127
  Return of capital........................................................           --         --      (47)
  Dividends on common stock................................................      (1,000)      (504)     (517)
                                                                            ------------ ---------- ---------
Net cash provided by (used in) financing activities........................      (4,518)    (1,048)   (2,522)
                                                                            ------------ ---------- ---------
Change in cash and cash equivalents........................................        (136)        174     (985)
Cash and cash equivalents, beginning of year...............................          553        379     1,364
                                                                            ------------ ---------- ---------
Cash and cash equivalents, end of year..................................... $        417 $      553 $     379
                                                                            ============ ========== =========
Supplemental disclosures of cash flow information:                                                           
  Net cash paid (received) for:                                                                              
    Interest............................................................... $         64 $       64 $      64
                                                                            ============ ========== =========
    Income tax............................................................. $        120 $    (194) $    (66)
                                                                            ============ ========== =========
  Non-cash transactions:                                                                                     
    Capital contribution from MetLife, Inc................................. $         19 $       45 $      --
                                                                            ============ ========== =========
    Returns of capital from subsidiaries................................... $         -- $      202 $      --
                                                                            ============ ========== =========
    Capital contributions to subsidiaries.................................. $         16 $       31 $      --
                                                                            ============ ========== =========

See accompanying notes to the condensed financial information.  

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule II 
Notes to the Condensed Financial Information  
(Parent Company Only) 

1. Basis of Presentation                                                        

The condensed financial information of MetLife Insurance Company of         
Connecticut (the "Parent Company") should be read in conjunction with the       
consolidated financial statements of MetLife Insurance Company of Connecticut   
and its subsidiaries and the notes thereto. These condensed unconsolidated      
financial statements reflect the results of operations, financial position and  
cash flows for the Parent Company. Investments in subsidiaries are accounted    
for using the equity method of accounting.                                      

The preparation of these condensed unconsolidated financial statements in   
conformity with accounting principles generally accepted in the United States   
of America requires management to adopt accounting policies and make certain    
estimates and assumptions. The most important of these estimates and            
assumptions relate to the fair value measurements, the accounting for goodwill  
and identifiable intangible assets and the provision for potential losses that  
may arise from litigation and regulatory proceedings and tax audits, which may  
affect the amounts reported in the condensed unconsolidated financial           
statements and accompanying notes. Actual results could differ from these       
estimates.                                                                      

2. Support Agreement                                                            

The Parent Company has entered into a net worth maintenance agreement with  
its indirect subsidiary, MetLife Assurance Limited ("MAL"), a United Kingdom    
company. Under the agreement, the Parent Company agreed, without limitation as  
to amount, to cause MAL to have capital and surplus equal to the greater of     
(a) (Pounds)50 million, (b) such amount that will be sufficient to provide      
solvency cover equal to 175% of MAL's capital resources requirement as defined  
by applicable law and regulation as required by the Financial Services          
Authority of the United Kingdom (the "FSA") or any successor body, or (c) such  
amount that will be sufficient to provide solvency cover equal to 125% of MAL's 
individual capital guidance as defined by applicable law and regulation as      
required by the FSA or any successor body. As described in Note 17 of the Notes 
to the Consolidated Financial Statements, a subsidiary of MetLife Insurance     
Company of Connecticut reached an agreement to sell MAL to a third party. Upon  
the close of such sale, the Parent Company's obligations under this net worth   
maintenance agreement will terminate.                                           

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule III  
Consolidated Supplementary Insurance Information  
December 31, 2013, 2012 and 2011  
(In millions) 

                                                        [Enlarge/Download Table]

                                    Future Policy Benefits                                           
                             DAC          and Other        Policyholder                              
                             and        Policy-Related       Account        Unearned       Unearned  
Segment                      VOBA          Balances          Balances   Premiums (1), (2) Revenue (1)
-------------------------- -------- ---------------------- ------------ ----------------- -----------
                                                                                                     
2013                                                                                                 
Retail.................... $  4,698    $         10,345     $  25,499     $           9    $    156  
Corporate Benefit Funding.        6              14,270         7,952                --           2  
Corporate & Other.........       26               6,540             2                 4          --  
                           --------    ----------------     ---------     -------------    --------  
 Total.................... $  4,730    $         31,155     $  33,453     $          13    $    158  
                           ========    ================     =========     =============    ========  
2012                                                                                                 
Retail.................... $  3,738    $          9,355     $  28,287     $           9    $    158  
Corporate Benefit Funding.        8              15,078         8,688                --           2  
Corporate & Other.........       --               6,288             1                 4          --  
                           --------    ----------------     ---------     -------------    --------  
 Total.................... $  3,746    $         30,721     $  36,976     $          13    $    160  
                           ========    ================     =========     =============    ========  
2011                                                                                                 
Retail.................... $  4,080    $          7,915     $  30,001     $           7    $    184  
Corporate Benefit Funding.       13              14,042         8,375                --           2  
Corporate & Other.........      128               6,515         3,699                 5          72  
                           --------    ----------------     ---------     -------------    --------  
 Total.................... $  4,221    $         28,472     $  42,075     $          12    $    258  
                           ========    ================     =========     =============    ========  

--------                                                                        

(1)Amounts are included within the future policy benefits and other             
policy-related balances column.                                           

(2)Includes premiums received in advance.                                       

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule III  
Consolidated Supplementary Insurance Information -- (Continued) 
December 31, 2013, 2012 and 2011  
(In millions) 

                                                        [Enlarge/Download Table]

                                                   Policyholder                                
                                                   Benefits and                                
                            Premium                 Claims and     Amortization of             
                            Revenue      Net     Interest Credited  DAC and VOBA      Other    
                           and Policy Investment  to Policyholder    Charged to     Operating  
Segment                     Charges     Income   Account Balances  Other Expenses  Expenses (1)
-------------------------- ---------- ---------- ----------------- --------------- ------------
                                                                                               
2013                                                                                           
Retail....................  $  2,688   $  1,515    $      1,875      $        44    $   1,341  
Corporate Benefit Funding.       219      1,108             855                5           34  
Corporate & Other.........        35        229              14                1          234  
                            --------   --------    ------------      -----------    ---------  
 Total....................  $  2,942   $  2,852    $      2,744      $        50    $   1,609  
                            ========   ========    ============      ===========    =========  
2012                                                                                           
Retail....................  $  2,716   $  1,434    $      2,031      $     1,023    $   1,381  
Corporate Benefit Funding.       658      1,111           1,318               10           36  
Corporate & Other.........       148        407             187                2          268  
                            --------   --------    ------------      -----------    ---------  
 Total....................  $  3,522   $  2,952    $      3,536      $     1,035    $   1,685  
                            ========   ========    ============      ===========    =========  
2011                                                                                           
Retail....................  $  2,596   $  1,360    $      1,984      $     1,149    $   1,268  
Corporate Benefit Funding.     1,105      1,142           1,763                4           36  
Corporate & Other.........        83        572             102                6          518  
                            --------   --------    ------------      -----------    ---------  
 Total....................  $  3,784   $  3,074    $      3,849      $     1,159    $   1,822  
                            ========   ========    ============      ===========    =========  

--------                                                                        

(1)Includes other expenses, excluding amortization of deferred policy           
  acquisition costs ("DAC") and value of business acquired ("VOBA") charged to
other expenses.                                                           

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MetLife Insurance Company of Connecticut  
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule IV 
Consolidated Reinsurance  
December 31, 2013, 2012 and 2011  
(In millions) 

                                                        [Enlarge/Download Table]

                                                                              % Amount   
                               Gross Amount   Ceded    Assumed  Net Amount Assumed to Net
                               ------------ ---------- -------- ---------- --------------
                                                                                         
2013                                                                                     
Life insurance in-force.......  $  466,650  $  424,836 $  7,273 $  49,087         14.8%  
                                ==========  ========== ======== =========                
Insurance premium                                                                        
Life insurance................  $    1,327  $      737 $     10 $     600          1.7%  
Accident and health insurance.         234         228       --         6           --   
                                ----------  ---------- -------- ---------                
 Total insurance premium......  $    1,561  $      965 $     10 $     606          1.7%  
                                ==========  ========== ======== =========                
2012                                                                                     
Life insurance in-force.......  $  428,803  $  391,045 $  7,750 $  45,508         17.0%  
                                ==========  ========== ======== =========                
Insurance premium                                                                        
Life insurance................  $    1,815  $      572 $     11 $   1,254          0.9%  
Accident and health insurance.         248         241       --         7           --   
                                ----------  ---------- -------- ---------                
 Total insurance premium......  $    2,063  $      813 $     11 $   1,261          0.9%  
                                ==========  ========== ======== =========                
2011                                                                                     
Life insurance in-force.......  $  378,153  $  340,477 $  8,085 $  45,761         17.7%  
                                ==========  ========== ======== =========                
Insurance premium                                                                        
Life insurance................  $    2,180  $      366 $      7 $   1,821          0.4%  
Accident and health insurance.         249         242       --         7           --   
                                ----------  ---------- -------- ---------                
 Total insurance premium......  $    2,429  $      608 $      7 $   1,828          0.4%  
                                ==========  ========== ======== =========                

For the year ended December 31, 2013, reinsurance ceded and assumed included
affiliated transactions for life insurance in-force of $269.9 billion and $7.3  
billion, respectively, and life insurance premiums of $638 million and $        
10 million, respectively. For the year ended December 31, 2012, reinsurance     
ceded and assumed included affiliated transactions for life insurance in-force  
of $237.2 billion and $7.8 billion, respectively, and life insurance premiums   
of $478 million and $11 million, respectively. For the year ended December 31,  
2011, reinsurance ceded and assumed included affiliated transactions for life   
insurance in-force of $195.2 billion and $8.1 billion, respectively, and life   
insurance premiums of $286 million and $ 7 million, respectively.               

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MetLife Investors Insurance Company                                             

Financial Statements                                                            

As of December 31, 2013 and 2012 and for the Years Ended December 31, 2013,     
2012 and 2011 and Independent Auditors' Report                                  

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INDEPENDENT AUDITORS' REPORT  

To the Board of Directors and Stockholder of                                    
MetLife Investors Insurance Company:                                            

We have audited the accompanying financial statements of MetLife Investors      
Insurance Company (a wholly-owned subsidiary of MetLife, Inc.) (the "Company"), 
which comprise the balance sheets as of December 31, 2013 and 2012, and the     
related statements of operations, comprehensive income (loss), stockholder's    
equity, and cash flows for each of the three years in the period ended          
December 31, 2013, and the related notes to the financial statements.           

Management's Responsibility for the Financial Statements                        

Management is responsible for the preparation and fair presentation of these    
financial statements in accordance with accounting principles generally         
accepted in the United States of America; this includes the design,             
implementation, and maintenance of internal control relevant to the preparation 
and fair presentation of financial statements that are free from material       
misstatement, whether due to fraud or error.                                    

Auditors' Responsibility                                                        

Our responsibility is to express an opinion on these financial statements based 
on our audits. We conducted our audits in accordance with auditing standards    
generally accepted in the United States of America. Those standards require     
that we plan and perform the audit to obtain reasonable assurance about whether 
the financial statements are free from material misstatement.                   

An audit involves performing procedures to obtain audit evidence about the      
amounts and disclosures in the financial statements. The procedures selected    
depend on the auditor's judgment, including the assessment of the risks of      
material misstatement of the financial statements, whether due to fraud or      
error. In making those risk assessments, the auditor considers internal control 
relevant to the Company's preparation and fair presentation of the financial    
statements in order to design audit procedures that are appropriate in the      
circumstances, but not for the purpose of expressing an opinion on the          
effectiveness of the Company's internal control. Accordingly, we express no     
such opinion. An audit also includes evaluating the appropriateness of          
accounting policies used and the reasonableness of significant accounting       
estimates made by management, as well as evaluating the overall presentation of 
the financial statements.                                                       

We believe that the audit evidence we have obtained is sufficient and           
appropriate to provide a basis for our audit opinion.                           

Opinion                                                                         

In our opinion, the financial statements referred to above present fairly, in   
all material respects, the financial position of MetLife Investors Insurance    
Company as of December 31, 2013 and 2012, and the results of its operations and 
its cash flows for each of the three years in the period ended December 31,     
2013 in accordance with accounting principles generally accepted in the United  
States of America.                                                              

Other Matter                                                                    

Results of the Company may not be indicative of those of a stand-alone entity,  
as the Company is a member of a controlled group of affiliated companies.       

/s/ DELOITTE & TOUCHE LLP                                                       

Certified Public Accountants                                                    
Tampa, Florida                                                                  
March 31, 2014                                                                  

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Balance Sheets  
December 31, 2013 and 2012  

(In millions, except share and per share data)  

                                                        [Enlarge/Download Table]

                                                                                       2013        2012    
                                                                                    ----------- -----------
                                                                                                           
Assets                                                                                                     
Investments:                                                                                               
 Fixed maturity securities available-for-sale, at estimated fair value (amortized                          
   cost: $2,200 and $2,178, respectively).......................................... $     2,250 $     2,320
 Equity securities available-for-sale, at estimated fair value (cost: $46 and $48,                         
   respectively)...................................................................          45          45
 Mortgage loans (net of valuation allowances of $1 and $2, respectively)...........         286         284
 Policy loans......................................................................          27          27
 Other limited partnership interests...............................................          32          23
 Short-term investments, at estimated fair value...................................          75         139
 Other invested assets.............................................................          68          93
                                                                                    ----------- -----------
   Total investments...............................................................       2,783       2,931
Cash and cash equivalents..........................................................          24          27
Accrued investment income..........................................................          26          28
Premiums, reinsurance and other receivables........................................       1,829       2,485
Deferred policy acquisition costs and value of business acquired...................         291         148
Current income tax recoverable.....................................................           9           9
Other assets.......................................................................         110         115
Separate account assets............................................................      12,033      11,072
                                                                                    ----------- -----------
   Total assets.................................................................... $    17,105 $    16,815
                                                                                    =========== ===========
Liabilities and Stockholder's Equity                                                                       
Liabilities                                                                                                
Future policy benefits............................................................. $       501 $       482
Policyholder account balances......................................................       2,748       3,077
Other policy-related balances......................................................         102         102
Payables for collateral under securities loaned and other transactions.............         266         238
Deferred income tax liability......................................................         192         326
Other liabilities..................................................................          94          78
Separate account liabilities.......................................................      12,033      11,072
                                                                                    ----------- -----------
   Total liabilities...............................................................      15,936      15,375
                                                                                    ----------- -----------
Contingencies, Commitments and Guarantees (Note 11)                                                        
Stockholder's Equity                                                                                       
 Common stock, par value $2 per share; 5,000,000 shares authorized;                                        
   2,899,446 shares issued and outstanding.........................................           6           6
 Additional paid-in capital........................................................         636         636
 Retained earnings.................................................................         504         722
 Accumulated other comprehensive income (loss).....................................          23          76
                                                                                    ----------- -----------
   Total stockholder's equity......................................................       1,169       1,440
                                                                                    ----------- -----------
   Total liabilities and stockholder's equity...................................... $    17,105 $    16,815
                                                                                    =========== ===========

See accompanying notes to the financial statements. 

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Statements of Operations  
For the Years Ended December 31, 2013, 2012 and 2011  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                     2013      2012     2011  
                                                                  ---------- -------- --------
                                                                                              
Revenues                                                                                      
Premiums......................................................... $       29 $     11 $      7
Universal life and investment-type product policy fees...........        202      198      204
Net investment income............................................        114      113      114
Fees on ceded reinsurance and other..............................         90       93      104
Net investment gains (losses):                                                                
  Other-than-temporary impairments on fixed maturity securities..         --      (2)       --
  Other net investment gains (losses)............................          1      (2)      (5)
                                                                  ---------- -------- --------
   Total net investment gains (losses)...........................          1      (4)      (5)
  Net derivative gains (losses)..................................      (442)      329      326
                                                                  ---------- -------- --------
     Total revenues..............................................        (6)      740      750
                                                                  ---------- -------- --------
Expenses                                                                                      
Policyholder benefits and claims.................................         48      100       59
Interest credited to policyholder account balances...............        113      118      127
Other expenses...................................................       (11)      229      259
                                                                  ---------- -------- --------
     Total expenses..............................................        150      447      445
                                                                  ---------- -------- --------
Income (loss) before provision for income tax....................      (156)      293      305
Provision for income tax expense (benefit).......................       (67)       94       90
                                                                  ---------- -------- --------
Net income (loss)................................................ $     (89) $    199 $    215
                                                                  ========== ======== ========

See accompanying notes to the financial statements. 

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Statements of Comprehensive Income (Loss) 
For the Years Ended December 31, 2013, 2012 and 2011  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                         2013      2012     2011  
                                                                      ---------- -------- --------
                                                                                                  
Net income (loss).................................................... $     (89) $    199 $    215
Other comprehensive income (loss):                                                                
 Unrealized investment gains (losses), net of related offsets........       (80)       64       23
 Unrealized gains (losses) on derivatives............................        (2)      (1)       --
                                                                      ---------- -------- --------
Other comprehensive income (loss), before income tax.................       (82)       63       23
Income tax (expense) benefit related to items of other comprehensive                              
  income (loss)......................................................         29     (22)      (8)
                                                                      ---------- -------- --------
Other comprehensive income (loss), net of income tax.................       (53)       41       15
                                                                      ---------- -------- --------
Comprehensive income (loss).......................................... $    (142) $    240 $    230
                                                                      ========== ======== ========

See accompanying notes to the financial statements. 

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Statements of Stockholder's Equity  
For the Years Ended December 31, 2013, 2012 and 2011  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                                    Accumulated Other                 
                                                                                      Comprehensive                   
                                                                                      Income (Loss)                   
                                                                                  ----------------------              
                                                                                     Net                              
                                                                                  Unrealized                          
                                                              Additional          Investment Other-Than-     Total    
                                                       Common  Paid-in   Retained   Gains     Temporary  Stockholder's
                                                       Stock   Capital   Earnings  (Losses)  Impairments    Equity    
                                                       ------ ---------- -------- ---------- ----------- -------------
                                                                                                                      
Balance at December 31, 2010..........................     $6       $636   $  326      $  24        $(4)        $  988
Net income (loss).....................................                        215                                  215
Other comprehensive income (loss), net of income tax..                                    16         (1)            15
                                                       ------ ---------- -------- ---------- ----------- -------------
Balance at December 31, 2011..........................      6        636      541         40         (5)         1,218
Dividend on common stock..............................                       (18)                                 (18)
Net income (loss).....................................                        199                                  199
Other comprehensive income (loss), net of income tax..                                    39           2            41
                                                       ------ ---------- -------- ---------- ----------- -------------
Balance at December 31, 2012..........................      6        636      722         79         (3)         1,440
Dividend on common stock..............................                      (129)                                (129)
Net income (loss).....................................                       (89)                                 (89)
Other comprehensive income (loss), net of income tax..                                  (54)           1          (53)
                                                       ------ ---------- -------- ---------- ----------- -------------
Balance at December 31, 2013..........................     $6       $636   $  504      $  25        $(2)        $1,169
                                                       ====== ========== ======== ========== =========== =============

See accompanying notes to the financial statements. 

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Statements of Cash Flows  
For the Years Ended December 31, 2013, 2012 and 2011  

(In millions) 

                                                        [Enlarge/Download Table]

                                                      2013        2012        2011   
                                                   ---------- ------------ ----------
                                                                                     
Cash flows from operating activities                                                 
Net income (loss)................................. $     (89) $        199 $      215
Adjustments to reconcile net income (loss) to net                                    
 cash provided by (used in) operating activities:                                    
 Depreciation and amortization expenses...........          2            2          2
 Amortization of premiums and accretion of                                           
   discounts associated with investments, net.....          3          (3)        (5)
 (Gains) losses on investments and derivatives,                                      
   net............................................        437        (321)      (329)
 (Income) loss from equity method investments,                                       
   net of dividends or distributions..............        (4)          (1)         --
 Interest credited to policyholder account                                           
   balances.......................................        113          118        127
 Universal life and investment-type product                                          
   policy fees....................................      (202)        (198)      (204)
 Change in accrued investment income..............          2            1        (4)
 Change in premiums, reinsurance and other                                           
   receivables....................................         71           74        (6)
 Change in deferred policy acquisition costs and                                     
   value of business acquired, net................      (135)          130        139
 Change in income tax.............................      (105)           68         91
 Change in other assets...........................        194          193        200
 Change in insurance-related liabilities and                                         
   policy-related balances........................         19           94         34
 Change in other liabilities......................         10         (12)         14
                                                   ---------- ------------ ----------
Net cash provided by operating activities.........        316          344        274
                                                   ---------- ------------ ----------
Cash flows from investing activities                                                 
Sales, maturities and repayments of:                                                 
 Fixed maturity securities........................        794          909        696
 Equity securities................................          2            6          5
 Mortgage loans...................................         47           13          3
 Other limited partnership interests..............          1            1          4
Purchases of:                                                                        
 Fixed maturity securities........................      (808)        (958)      (840)
 Equity securities................................         --         (13)       (13)
 Mortgage loans...................................       (49)         (72)       (98)
 Other limited partnership interests..............        (5)         (15)        (2)
Cash received in connection with freestanding                                        
 derivatives......................................          1            5          1
Cash paid in connection with freestanding                                            
 derivatives......................................       (12)          (1)         --
Issuances of loans to affiliates..................         --           --       (45)
Net change in policy loans........................        (1)          (1)          1
Net change in short-term investments..............         64         (70)       (12)
                                                   ---------- ------------ ----------
Net cash provided by (used in) investing                                             
 activities.......................................         34        (196)      (300)
                                                   ---------- ------------ ----------
Cash flows from financing activities                                                 
Policyholder account balances:                                                       
 Deposits.........................................        632        1,077        725
 Withdrawals......................................      (882)      (1,155)      (732)
Net change in payables for collateral under                                          
 securities loaned and other transactions.........         28         (87)         46
Dividend on common stock..........................      (129)         (18)         --
Other, net........................................        (2)           18         --
                                                   ---------- ------------ ----------
Net cash provided by (used in) financing                                             
 activities.......................................      (353)        (165)         39
                                                   ---------- ------------ ----------
Change in cash and cash equivalents...............        (3)         (17)         13
Cash and cash equivalents, beginning of year......         27           44         31
                                                   ---------- ------------ ----------
Cash and cash equivalents, end of year............ $       24 $         27 $       44
                                                   ========== ============ ==========
Supplemental disclosures of cash flow information:                                   
Net cash paid (received) for:                                                        
 Income tax....................................... $       34 $         27 $      (1)
                                                   ========== ============ ==========

See accompanying notes to the financial statements. 

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies                                                                        

Business                                                                        

MetLife Investors Insurance Company ("MLIIC"), a Missouri domiciled life    
insurance company (the "Company") is a wholly-owned subsidiary of MetLife, Inc. 
("MetLife").                                                                    

The Company markets, administers and insures a broad range of term life,    
universal life and variable and fixed annuity products to individuals. The      
Company is licensed to conduct business in 49 states and the District of        
Columbia. Most of the policies issued present no significant mortality or       
longevity risk to the Company, but rather represent investment deposits by the  
policyholders.                                                                  

In the second quarter of 2013, MetLife, Inc. announced its plans to merge   
three U.S.-based life insurance companies and an offshore reinsurance           
subsidiary to create one larger U.S.-based and U.S.-regulated life insurance    
company (the "Mergers"). The companies to be merged consist of MetLife          
Insurance Company of Connecticut ("MICC"), MetLife Investors USA Insurance      
Company ("MLI-USA") and MLIIC, each a U.S. insurance company that issues        
variable annuity products in addition to other products, and Exeter Reassurance 
Company, Ltd. ("Exeter"), a reinsurance company that mainly reinsures           
guarantees associated with variable annuity products. MICC, which is expected   
to be renamed and domiciled in Delaware, will be the surviving entity. Exeter,  
formerly a Cayman Islands company, was re-domesticated to Delaware in October   
2013. The Mergers are expected to occur in the fourth quarter of 2014, subject  
to regulatory approvals.                                                        

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 in the 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 estimates.  

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.             

Separate Accounts                                                             

 Separate accounts are established in conformity with insurance laws and are
generally not chargeable with 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                  

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

.  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 in the statements of   
operations.                                                                   

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 in the statements of   
operations.                                                                   

Reclassifications                                                             

Certain amounts in the prior years' financial statements and related      
footnotes thereto have been reclassified to conform with the current year     
presentation as discussed throughout the Notes to the Financial Statements.   

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                                                                                              2
--------------------------------------------------------------------------------------------------------
Deferred Policy Acquisition Costs, Value of Business Acquired and Other Policy-Related Intangibles     3
--------------------------------------------------------------------------------------------------------
Reinsurance                                                                                            4
--------------------------------------------------------------------------------------------------------
Investments                                                                                            5
--------------------------------------------------------------------------------------------------------
Derivatives                                                                                            6
--------------------------------------------------------------------------------------------------------
Fair Value                                                                                             7
--------------------------------------------------------------------------------------------------------
Income Tax                                                                                            10
--------------------------------------------------------------------------------------------------------
Litigation Contingencies                                                                              11

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                            

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

 standards. Principal assumptions used in the establishment of liabilities for
future policy benefits are mortality, policy lapse, renewal, 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 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.   

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 ("PABs") relate to contract or contract   
features where the Company has no significant insurance risk.               

The Company issues certain variable annuity products with guaranteed    
minimum benefits that provide the policyholder a minimum return based on    
their initial deposit (i.e., the benefit base) less 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 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 PABs 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 and    
unearned revenue liabilities.                                               

  The liability for policy and contract claims generally relates to incurred
 but not reported death 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                                                         

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

of incurred but not reported 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 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, similar to deferred  
policy acquisition costs ("DAC") as discussed further herein. Such          
 amortization is recorded in universal life and investment-type product policy
fees.                                                                       

Recognition of Insurance Revenues and Deposits                              

Premiums related to traditional life and annuity policies 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.                                    

Deposits related to universal life-type and investment-type products are
 credited to PABs. 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 PABs.                      

   Premiums, policy fees, policyholder benefits and expenses are presented net
of reinsurance.                                                             

Deferred Policy Acquisition Costs, Value of Business Acquired and Other       
Policy-Related 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.                                   

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

   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, 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:
----------------------------------------------------------------------------- 
.  Fixed and variable universal life   Actual and expected future gross       
contracts                           profits.                            
.  Fixed and variable deferred                                                
annuity contracts                                                       

See Note 3 for additional information on DAC and VOBA amortization.       

The recovery of DAC and VOBA is dependent upon the future profitability of
the related business. DAC and VOBA are aggregated in the financial statements 
for reporting purposes.                                                       

  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 to determine the recoverability of the asset.                     

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, and the liabilities ceded 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 the DAC related to the                                             

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

underlying reinsured contracts. Subsequent amounts paid on the reinsurance of 
in-force blocks, as well as amounts paid related to new business, are recorded
as ceded premiums and ceded premiums, reinsurance and other receivables are   
established.                                                                  

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.                              

Premiums, fees and policyholder benefits and claims are net of reinsurance
ceded. Amounts received from reinsurers for policy administration are reported
in fees on ceded reinsurance and other. 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).    

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 fees on ceded reinsurance and other 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 fees
on ceded reinsurance and other or other expenses, as appropriate.             

Investments                                                                   

Net Investment Income and Net Investment Gains (Losses)                     

Income on 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).                                                             

Fixed Maturity and Equity Securities                                        

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     
policyholder-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 on fixed maturity securities is recognized when earned  
 using an effective yield method giving effect to amortization of premiums and
 accretion of discounts. Prepayment fees are recognized when earned. Dividends
on equity securities are recognized when declared.                          

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

   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 5 "--         
 Evaluation of AFS Securities for OTTI and Evaluating Temporarily Impaired AFS
Securities."                                                                

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 exist, 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 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 two portfolio
segments: commercial and agricultural. 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 5.  

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.              

Policy Loans                                                                

Policy loans are stated at unpaid principal balances. Interest income on
such loans 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 or interest on the loan is deducted from the 
cash surrender value or the death benefit prior to settlement of the        
insurance policy.                                                           

Other Limited Partnership Interests                                         

  The Company uses the equity method of accounting for investments in equity
securities when it has significant influence or at least 20% interest and   
other limited partnership interests ("investees") when it has               

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

more than a minor ownership interest or more than a minor influence over the
investee's operations, but does not have a controlling financial interest.  
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 as earned 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.                              

Other Invested Assets                                                       

Other invested assets consist principally of the following:             

   .  Loans to affiliates are stated at unpaid principal balance, adjusted for
any unamortized premium or discount.                              
.  Freestanding derivatives with positive estimated fair values are     
described in "--Derivatives" below.                               

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. The Company is liable to     
return to the counterparties the cash collateral received. Security         
collateral on deposit from counterparties in connection with the securities 
 lending transactions may not be sold or repledged, unless the counterparty is
in default, and is not reflected in the financial statements. The Company   
monitors the estimated fair value of the securities loaned on a daily basis 
and additional collateral is obtained as necessary. Income and expenses     
associated with securities lending transactions are reported as investment  
income and investment expense, respectively, within net investment income.  

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Derivatives                                                                   

Freestanding Derivatives                                                    

   Freestanding derivatives are carried in the Company's balance sheets either
as assets within other invested assets or as liabilities within other       
liabilities at estimated fair value. The Company does not offset the 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). 

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 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).     

The changes in estimated fair values of the hedging derivatives are     
exclusive of any accruals that are separately reported in 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.                                

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

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 in the balance sheets 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 statements 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 in the balance  
sheets 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 in the balance sheets, 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 fair   
value with changes in 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 in the balance sheets 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                                                           

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

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.                                        

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 judgment are used to determine the estimated fair value  
of assets and liabilities.                                                    

Goodwill                                                                      

 Goodwill, which is included in other assets, is the excess of cost over the
estimated fair value of net assets acquired which represents the future       
economic benefits arising from such net assets acquired that could not be     
individually identified. Goodwill is not amortized but is tested for          
impairment at least annually or more frequently if events or circumstances,   
such as adverse changes in the business climate, indicate that there may be   
justification for conducting an interim test. The Company performs its annual 
goodwill impairment testing during the third quarter of each year 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.        

Impairment testing is performed using the fair value approach, which      
requires the use of estimates and judgment, at the "reporting unit" level. A  
reporting unit 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. Management has concluded that the       
Company has one reporting unit.                                               

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.                       

In performing the Company's goodwill impairment test, the estimated fair  
value of the reporting unit is determined using a market multiple approach.   
When further corroboration is required, the Company uses a discounted cash    
flow approach. The Company may use additional valuation methodologies when    
appropriate.                                                                  

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

  The key inputs, judgments and assumptions necessary in determining estimated
fair value of the reporting unit include projected operating earnings, current
book value, the level of economic capital required to support the mix of      
business, long-term growth rates, comparative market multiples, the account   
value of in-force business, projections of new and renewal business, as well  
as margins on such business, the level of interest rates, credit spreads,     
equity market levels, and the discount rate that the Company believes is      
appropriate for the reporting unit.                                           

  The Company applies significant judgment when determining the estimated fair
value of its reporting unit. The valuation methodologies utilized are subject 
to key judgments and assumptions that are sensitive to change. Estimates of   
fair value are inherently uncertain and represent only management's reasonable
expectation regarding future developments. These estimates and the judgments  
and assumptions upon which the estimates are based will, in all likelihood,   
differ in some respects from actual future results. Declines in the estimated 
fair value of the Company's reporting unit could result in goodwill           
impairments in future periods which could adversely affect the Company's      
results of operations or financial position.                                  

  In 2013, the Company performed its annual goodwill impairment test using the
market multiple valuation approach. The analysis results indicated that the   
fair value of the reporting unit was in excess of its carrying value and,     
therefore, goodwill was not impaired. On an ongoing basis, the Company        
evaluates potential triggering events that may affect the estimated fair value
of the Company's reporting unit to assess whether any goodwill impairment     
exists. Deteriorating or adverse market conditions may have an impact on the  
estimated fair value and could result in future impairments of goodwill. The  
Company has no accumulated goodwill impairment as of December 31, 2013.       
Goodwill was $33 million at both December 31, 2013 and 2012.                  

Income Tax                                                                    

 The Company joined with MetLife and its includable subsidiaries in filing a
consolidated U.S. life and non-life 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 the
Company under the consolidated tax return regulations and a tax sharing       
agreement. Under the consolidated tax return regulations, MetLife has elected 
the "percentage method" (and 100 percent under such method) of reimbursing    
companies for tax attributes such as losses. As a result, 100 percent of tax  
attributes such as losses are reimbursed by MetLife to the extent that        
consolidated federal income tax of the consolidated federal tax return group  
is reduced in a year by tax attributes such as losses. Profitable subsidiaries
pay to MetLife each year the federal income tax which such profitable         
subsidiary would have paid that year based upon that year's taxable income. If
the Company 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 the Company when those tax       
attributes are realized (or realizable) by the consolidated federal tax return
group, even if the Company would not have realized the attributes on a        
stand-alone basis under a "wait and see" method.                              

The Company's accounting for income taxes represents management's best    
estimate of various events and transactions.                                  

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

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 when management determines, based on available information, that  
it is more likely than not that deferred income tax assets will not be        
realized. Factors in management's determination include the performance of the
business and its ability to generate capital gains. Significant judgment is   
required in determining whether valuation allowances should be established, as
well as the amount of such allowances. When making such determination,        
consideration is given to, among other things, the following:                 

.  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 in   
certain circumstances. Examples of such circumstances include 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, future events, such as changes in tax     
laws, tax regulations, or interpretations of such laws or regulations, could  
have an impact on the provision for income tax and the effective tax rate. Any
such changes could significantly affect the amounts reported in the financial 
statements in the year these changes occur.                                   

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 in 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.                                      

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.
Legal costs are recognized as incurred. On an annual basis, the Company       
reviews relevant information with respect to liabilities for litigation,      
regulatory investigations and litigation-related contingencies to be reflected
in the Company's financial statements.                                        

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Other Accounting Policies                                                     

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.                    

Computer Software                                                           

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 $15 million and $14 million 
at December 31, 2013 and 2012, respectively. Accumulated amortization of    
capitalized software was $8 million and $6 million at December 31, 2013 and 
2012, respectively. Related amortization expense was $2 million for each of 
the years ended December 31, 2013, 2012 and 2011.                           

Fees on Ceded Reinsurance and Other                                         

   Fees on ceded reinsurance and other primarily include, in addition to items
described elsewhere herein, fee income on financial reinsurance agreements. 
Such fees are recognized in the period in which services are performed.     

Adoption of New Accounting Pronouncements                                       

Effective July 17, 2013, the Company adopted new guidance regarding         
derivatives that permits the Fed Funds Effective Swap Rate (or Overnight Index  
Swap Rate) to be used as a U.S. benchmark interest rate for hedge accounting    
purposes, in addition to the United States Treasury and London Interbank        
Offered Rate. Also, this new guidance removes the restriction on using          
different benchmark rates for similar hedges. The new guidance did not have a   
material impact on the financial statements upon adoption, but may impact the   
selection of benchmark interest rates for hedging relationships in the future.  

Effective January 1, 2013, the Company adopted new guidance regarding       
comprehensive income that requires an entity to provide information about the   
amounts reclassified out of accumulated OCI ("AOCI") by component. In addition, 
an entity is required to present, either on the face of the statement where net 
income is presented or in the notes, significant amounts reclassified out of    
AOCI by the respective line items of net income but only if the amount          
reclassified is required under GAAP to be reclassified to net income in its     
entirety in the same reporting period. For other amounts that are not required  
under GAAP to be reclassified in their entirety to net income, an entity is     
required to cross-reference to other disclosures required under GAAP that       
provide additional detail about those amounts. The adoption was prospectively   
applied and resulted in additional disclosures in Note 8.                       

 Effective January 1, 2013, the Company adopted new guidance regarding balance
sheet offsetting disclosures which requires an entity to disclose information   
about offsetting and related arrangements for derivatives, including bifurcated 
embedded derivatives, repurchase and reverse repurchase agreements, and         
securities                                                                      

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

borrowing and lending transactions, to enable users of its financial statements 
to understand the effects of those arrangements on its financial position.      
Entities are required to disclose both gross information and net information    
about both instruments and transactions eligible for offset in the statement of 
financial position and instruments and transactions subject to an agreement     
similar to a master netting arrangement. The adoption was retrospectively       
applied and resulted in additional disclosures related to derivatives in Note 6.

 On January 1, 2012, the Company adopted new guidance regarding accounting for
DAC, which was retrospectively applied. The guidance specifies that only costs  
related directly to successful acquisition of new or renewal contracts can be   
capitalized as DAC; all other acquisition-related costs must be expensed as     
incurred. As a result, certain sales manager compensation and administrative    
costs previously capitalized by the Company will no longer be deferred.         

On January 1, 2012, the Company adopted new guidance regarding comprehensive
income, which was retrospectively applied, that provides companies with the     
option to present the total of comprehensive income, components of net income,  
and the components of OCI either in a single continuous statement of            
comprehensive income or in two separate but consecutive statements in annual    
financial statements. The standard eliminates the option to present components  
of OCI as part of the statement of changes in stockholder's equity. The Company 
adopted the two-statement approach for annual financial statements.             

Effective January 1, 2012, the Company adopted new guidance regarding fair  
value measurements that establishes common requirements for measuring fair      
value and for disclosing information about fair value measurements in           
accordance with GAAP and International Financial Reporting Standards. Some of   
the amendments clarify the Financial Accounting Standards Board's ("FASB")      
intent on the application of existing fair value measurement requirements.      
Other amendments change a particular principle or requirement for measuring     
fair value or for disclosing information about fair value measurements. The     
adoption did not have a material impact on the Company's financial statements   
other than the expanded disclosures in Note 7.                                  

Future Adoption of New Accounting Pronouncements                                

In February 2013, the FASB issued new guidance regarding liabilities        
(Accounting Standards Update 2013-04, Liabilities (Topic 405): Obligations      
Resulting from Joint and Several Liability Arrangements for Which the Total     
Amount of the Obligation Is Fixed at the Reporting Date), effective             
retrospectively for fiscal years beginning after December 15, 2013 and interim  
periods within those years. The amendments require an entity to measure         
obligations resulting from joint and several liability arrangements for which   
the total amount of the obligation within the scope of the guidance is fixed at 
the reporting date, as the sum of the amount the reporting entity agreed to pay 
on the basis of its arrangement among its co-obligors and any additional amount 
the reporting entity expects to pay on behalf of its co-obligors. In addition,  
the amendments require an entity to disclose the nature and amount of the       
obligation, as well as other information about the obligation. The Company does 
not expect the adoption of this new guidance to have a material impact on its   
financial statements.                                                           

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

2. Insurance                                                                    

Insurance Liabilities                                                           

Future policy benefits are measured as follows:                             

Product Type:                      Measurement Assumptions:               
------------------------------------------------------------------------- 
Nonparticipating life              Aggregate of the present value of      
                                expected future benefit payments and
                             related expenses less the present
                        value of expected future 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 are 5%.
------------------------------------------------------------------------- 
Traditional fixed annuities after  Present value of expected future       
annuitization                      payments. Interest rate assumptions    
                                 used in establishing such liabilities
                range from 3% to 8%.
------------------------------------------------------------------------- 

PABs are equal to: (i) policy account values, which consist of an           
accumulation of gross premium payments; and (ii) credited interest, ranging     
from 1% to 8%, less expenses, mortality charges and withdrawals.                

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

2. Insurance (continued)                                                        

Guarantees                                                                      

The Company issues variable annuity products with guaranteed minimum        
benefits. The non-life contingent portion of GMWBs and the portion of certain   
GMIBs that does not require annuitization are accounted for as embedded         
derivatives in PABs and are further discussed in Note 6. Guarantees accounted   
for as insurance liabilities include:                                           

Guarantee:                                 Measurement Assumptions:     
------------------------------------------------------------------------
GMDBs  .  A return of purchase payment  .  Present value of expected    
        upon death even if the           death benefits in excess of
  account value is reduced to      the projected account
    zero.                            balance recognizing the
                                     excess ratably over the
                                          accumulation period based on
                                        the present value of total
                                   expected assessments.

    .  An enhanced death benefit     .  Assumptions are consistent
may be available for an          with those used for
         additional fee.                  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
                                       Standard & Poor's Ratings
                                         Services ("S&P") 500 Index.

                                  .  Benefit assumptions are
                                  based on the average
                                     benefits payable over a
                                 range of scenarios.
------------------------------------------------------------------------
GMIBs  .  After a specified period of   .  Present value of expected    
         time determined at the time      income benefits in excess of
  of issuance of the variable      the projected account
       annuity contract, a minimum      balance at any future date
 accumulation of purchase         of annuitization and
   payments, even if the            recognizing the excess
account value is reduced to      ratably over the   
         zero, that can be annuitized     accumulation period based on
   to receive a monthly income      present value of total
  stream that is not less than     expected assessments.
a specified amount.                                 
    .  Certain contracts also        .  Assumptions are consistent
provide for a guaranteed         with those used for
         lump sum return of purchase      estimating GMDB liabilities.
premium in 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  .  Expected value of the life   
    via partial withdrawals,         contingent payments and
       even if the account value is     expected assessments using
        reduced to zero, provided        assumptions consistent with
      that cumulative withdrawals      those used for estimating
  in a contract year do not        the GMDB liabilities.
exceed a certain limit.                             

.  Certain contracts include                              
guaranteed withdrawals that                         
are life contingent.                                

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

2. Insurance (continued)                                                        

Information regarding the liabilities for guarantees (excluding base policy 
liabilities and embedded derivatives) relating to annuity contracts was as      
follows:                                                                        

                                                                [Download Table]

                                 Annuity Contracts         
                                 ----------------          
                                  GMDBs    GMIBs    Total  
                                 -------  -------- --------
                                       (In millions)       
                                                           
Direct                                                     
Balance at January 1, 2011...... $    32  $     88 $    120
Incurred guaranteed benefits....      17        31       48
Paid guaranteed benefits........     (7)        --      (7)
                                 -------  -------- --------
Balance at December 31, 2011....      42       119      161
Incurred guaranteed benefits....      10        98      108
Paid guaranteed benefits........     (9)        --      (9)
                                 -------  -------- --------
Balance at December 31, 2012....      43       217      260
Incurred guaranteed benefits....      11         1       12
Paid guaranteed benefits........     (5)        --      (5)
                                 -------  -------- --------
Balance at December 31, 2013.... $    49  $    218 $    267
                                 =======  ======== ========
Ceded                                                      
Balance at January 1, 2011...... $    32  $     30 $     62
Incurred guaranteed benefits....      17        11       28
Paid guaranteed benefits........     (7)        --      (7)
                                 -------  -------- --------
Balance at December 31, 2011....      42        41       83
Incurred guaranteed benefits....      10        34       44
Paid guaranteed benefits........     (9)        --      (9)
                                 -------  -------- --------
Balance at December 31, 2012....      43        75      118
Incurred guaranteed benefits....      11         1       12
Paid guaranteed benefits........     (5)        --      (5)
                                 -------  -------- --------
Balance at December 31, 2013.... $    49  $     76 $    125
                                 =======  ======== ========
Net                                                        
Balance at January 1, 2011...... $    --  $     58 $     58
Incurred guaranteed benefits....      --        20       20
Paid guaranteed benefits........      --        --       --
                                 -------  -------- --------
Balance at December 31, 2011....      --        78       78
Incurred guaranteed benefits....      --        64       64
Paid guaranteed benefits........      --        --       --
                                 -------  -------- --------
Balance at December 31, 2012....      --       142      142
Incurred guaranteed benefits....      --        --       --
Paid guaranteed benefits........      --        --       --
                                 -------  -------- --------
Balance at December 31, 2013.... $    --  $    142 $    142
                                 =======  ======== ========

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

2. Insurance (continued)                                                        

Account balances of contracts with insurance guarantees were invested in    
separate account asset classes as follows at:                                   

                                                                [Download Table]

                    December 31,    
                 -------------------
                   2013      2012   
                 --------- ---------
                    (In millions)   
                                    
Fund Groupings:                     
Balanced........ $   7,255 $   6,507
Equity..........     4,086     3,816
Bond............       551       588
Money Market....        98       118
                 --------- ---------
 Total.......... $  11,990 $  11,029
                 ========= =========

Based on the type of guarantee, the Company defines net amount at risk as   
listed below. These amounts include direct business, but exclude offsets from   
hedging or reinsurance, if any.                                                 

Variable Annuity Guarantees                                                   

In the Event of Death                                                       

 Defined as the death benefit less the total contract 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.

At Annuitization                                                            

Defined as the amount (if any) that would be required to be added to the
total contract 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.   

   Information regarding the types of guarantees relating to annuity contracts
was as follows at:                                                          

                                                        [Enlarge/Download Table]

                                                                 December 31,                       
                                           ---------------------------------------------------------
                                                       2013                         2012            
                                           ---------------------------- ----------------------------
                                               In the          At           In the          At      
                                           Event of Death Annuitization Event of Death Annuitization
                                           -------------- ------------- -------------- -------------
                                                                 (In millions)                      
                                                                                                    
Annuity Contracts (1)                                                                               
Variable Annuity Guarantees                                                                         
Total contract account value..............  $    13,348    $     8,712   $    12,309    $     7,963 
Separate account value....................  $    12,841    $     8,470   $    11,797    $     7,715 
Net amount at risk........................  $       327    $       116   $       594    $       554 
Average attained age of contractholders...     67 years       66 years      66 years       65 years 

--------                                                                        

(1)The Company's annuity contracts with guarantees may offer more than one type 
of guarantee in each contract. Therefore, the amounts listed above may not
be mutually exclusive.                                                    

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

2. Insurance (continued)                                                        

Obligations Under Funding Agreements                                            

MLIIC is a member of the Federal Home Loan Bank ("FHLB") of Des Moines.     
Holdings of the FHLB of Des Moines common stock, included in equity securities, 
were as follows at:                                                             

                                                                [Download Table]

                       December 31, 
                       -------------
                       2013   2012  
                       -----  ----- 
                       (In millions)
                                    
FHLB of Des Moines.... $  26  $  28 

The Company has also entered into funding agreements with the FHLB of Des   
Moines. The liability for such funding agreements is included in PABs.          
Information related to such funding agreements was as follows at:               

                                                                [Download Table]

                            Liability        Collateral      
                          ------------- ---------------------
                                     December 31,            
                          -----------------------------------
                           2013   2012     2013       2012   
                          ------ ------ ---------- ----------
                                     (In millions)           
                                                             
FHLB of Des Moines (1)... $  405 $  405 $  477 (2) $  604 (2)

--------                                                                        

(1)Represents funding agreements issued to the FHLB of Des Moines in exchange   
for cash and for which the FHLB of Des Moines has been granted a lien on  
 certain assets, some of which are in the custody of the FHLB of Des Moines,
 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 Des Moines 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 Des Moines'  
recovery on the collateral is limited to the amount of the Company's      
liability to the FHLB of Des Moines.                                      

(2)Advances are collateralized by mortgage-backed securities. The amount of     
collateral presented is at estimated fair value.                          

Separate Accounts                                                               

Separate account assets and liabilities consist of pass-through separate    
accounts totaling $12.0 billion and $11.1 billion at December 31, 2013 and      
2012, respectively, for which the policyholder assumes all investment risk.     

For the years ended December 31, 2013, 2012 and 2011, there were no         
investment gains (losses) on transfers of assets from the general account to    
the separate accounts.                                                          

3. Deferred Policy Acquisition Costs, Value of Business Acquired and Other      
Policy-Related Intangibles                                                      

See Note 1 for a description of capitalized acquisition costs.              

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

3. Deferred Policy Acquisition Costs, Value of Business Acquired and Other      
Policy-Related Intangibles (continued)                                          

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 impact significantly 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.                          

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 profits. These assumptions primarily relate  
to investment returns, interest crediting rates, mortality, persistency and     
expenses to administer business. Management annually updates assumptions used   
in the calculation of estimated gross profits which may have significantly      
changed. If the update of assumptions causes expected future gross 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 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      

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

3. Deferred Policy Acquisition Costs, Value of Business Acquired and Other      
Policy-Related Intangibles (continued)                                          

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 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.                                                                     

Information regarding DAC and VOBA was as follows:                          

                                                        [Enlarge/Download Table]

                                                                     Years Ended December 31,
                                                                     ------------------------
                                                                      2013     2012    2011  
                                                                      ------  ------  ------ 
                                                                        (In millions)        
                                                                                             
DAC                                                                                          
Balance at January 1,............................................... $   97   $  220  $  352 
Capitalizations.....................................................      6       19      34 
Amortization related to:                                                                     
  Net investment gains (losses) and net derivative gains (losses)...    122     (96)    (84) 
  Other expenses....................................................   (27)     (38)    (76) 
                                                                      ------  ------  ------ 
   Total amortization...............................................     95    (134)   (160) 
                                                                      ------  ------  ------ 
Unrealized investment gains (losses)................................      8      (8)     (6) 
Other (1)...........................................................     38       --      -- 
                                                                      ------  ------  ------ 
Balance at December 31,.............................................    244       97     220 
                                                                      ------  ------  ------ 
VOBA                                                                                         
Balance at January 1,...............................................     51       66      79 
  Total amortization related to other expenses......................    (6)     (14)    (12) 
Unrealized investment gains (losses)................................      2      (1)     (1) 
                                                                      ------  ------  ------ 
Balance at December 31,.............................................     47       51      66 
                                                                      ------  ------  ------ 
Total DAC and VOBA                                                                           
Balance at December 31,............................................. $  291   $  148  $  286 
                                                                      ======  ======  ====== 

--------                                                                        

(1)The year ended December 31, 2013 includes $38 million that was reclassified  
to DAC from premiums, reinsurance and other receivables. The amounts      
reclassified relate to an affiliated reinsurance agreement accounted for  
  using the deposit method of accounting and represent the DAC amortization on
 the expense allowances ceded on the agreement from inception. These amounts
were previously included in the calculated value of the deposit receivable
on this agreement and recorded within premiums, reinsurance and other     
receivables.                                                              

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

3. Deferred Policy Acquisition Costs, Value of Business Acquired and Other      
Policy-Related Intangibles (continued)                                          

Information regarding other policy-related intangibles was as follows:      

                                                                [Download Table]

                            Years Ended December 31,
                            ------------------------
                            2013     2012    2011   
                             -----    -----   ----- 
                              (In millions)         
                                                    
Deferred Sales Inducements                          
Balance at January 1,...... $  65    $  71   $  84  
Capitalization.............    --        1       3  
Amortization...............   (2)      (7)    (16)  
                             -----    -----   ----- 
Balance at December 31,.... $  63    $  65   $  71  
                             =====    =====   ===== 

The estimated future amortization expense to be reported in other expenses  
for the next five years is as follows:                                          

                                                                [Download Table]

                                   VOBA     
                               -------------
                               (In millions)
                                            
2014.......................... $          12
2015.......................... $          10
2016.......................... $           9
2017.......................... $           6
2018.......................... $           6

4. Reinsurance                                                                  

The Company enters into reinsurance agreements primarily as a purchaser of  
reinsurance for its various insurance products. The Company participates in     
reinsurance activities in order to limit losses and minimize exposure to        
significant risks.                                                              

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 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 5.                                         

For its individual life insurance products, the Company has historically    
reinsured the mortality risk primarily on an excess of retention basis or on a  
quota share basis. 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.                                 

The Company currently reinsures 100% of the living and death benefit        
guarantees issued in connection with its variable annuities to affiliated       
reinsurers. Under these reinsurance agreements, the Company pays a reinsurance  
premium generally based on fees associated with the guarantees collected from   
policyholders, and receives reimbursement for benefits paid or accrued in       
excess of account values, subject to certain limitations. The Company also      
reinsures 90% of its fixed annuities to an affiliated reinsurer. The value of   
the embedded                                                                    

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

4. Reinsurance (continued)                                                      

derivatives on the ceded risk is determined using a methodology consistent with 
the guarantees directly written by the Company with the exception of the input  
for nonperformance risk that reflects the credit of the reinsurer.              

The Company has exposure to catastrophes which could contribute to          
significant fluctuations in the Company's results of operations. The Company    
uses excess of retention and quota share reinsurance agreements to provide      
greater diversification of risk and minimize exposure to larger risks.          

The Company reinsures its remaining 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. These reinsurance recoverable balances are stated net of     
allowances for uncollectible reinsurance, which at December 31, 2013 and 2012,  
were not significant.                                                           

The Company had $6 million and $8 million of unsecured unaffiliated ceded   
reinsurance recoverable balances at December 31, 2013 and 2012, respectively.   
Of these totals, 100% were with the Company's five largest unaffiliated ceded   
reinsurers at both December 31, 2013 and 2012.                                  

The amounts in the 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,
                                                                  ----------------------- 
                                                                   2013     2012    2011  
                                                                  -------  ------- -------
                                                                       (In millions)      
                                                                                          
Premiums                                                                                  
  Direct premiums................................................ $    30  $    12 $     8
  Reinsurance ceded..............................................     (1)      (1)     (1)
                                                                  -------  ------- -------
   Net premiums.................................................. $    29  $    11 $     7
                                                                  =======  ======= =======
Universal life and investment-type product policy fees                                    
  Direct universal life and investment-type product policy fees.. $   244  $   237 $   240
  Reinsurance ceded..............................................    (42)     (39)    (36)
                                                                  -------  ------- -------
   Net universal life and investment-type product policy fees.... $   202  $   198 $   204
                                                                  =======  ======= =======
Fees on ceded reinsurance and other                                                       
  Direct fees on ceded reinsurance and other..................... $    25  $    25 $    26
  Reinsurance ceded..............................................      65       68      78
                                                                  -------  ------- -------
   Net fees on ceded reinsurance and other....................... $    90  $    93 $   104
                                                                  =======  ======= =======
Policyholder benefits and claims                                                          
  Direct policyholder benefits and claims........................ $    61  $   144 $    92
  Reinsurance ceded..............................................    (13)     (44)    (33)
                                                                  -------  ------- -------
   Net policyholder benefits and claims.......................... $    48  $   100 $    59
                                                                  =======  ======= =======

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

4. Reinsurance (continued)                                                      

The amounts in the balance sheets include the impact of reinsurance.        
Information regarding the significant effects of reinsurance was as follows at: 

                                                        [Enlarge/Download Table]

                                                         December 31,                   
                                       -------------------------------------------------
                                                 2013                     2012          
                                       ------------------------ ------------------------
                                                        Total                    Total  
                                                       Balance                  Balance 
                                       Direct  Ceded    Sheet   Direct  Ceded    Sheet  
                                       ------ -------- -------- ------ -------- --------
                                                         (In millions)                  
                                                                                        
Assets                                                                                  
Premiums, reinsurance and other                                                         
  receivables......................... $   26 $  1,803 $  1,829 $   26 $  2,459 $  2,485
Deferred policy acquisition costs and                                                   
  value of business acquired..........    311     (20)      291    207     (59)      148
                                       ------ -------- -------- ------ -------- --------
 Total assets......................... $  337 $  1,783 $  2,120 $  233 $  2,400 $  2,633
                                       ====== ======== ======== ====== ======== ========

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. Deposit assets and deposit liabilities, if any,   
are the result of affiliated reinsurance transactions. See " Related Party      
Reinsurance Transactions."                                                      

Related Party Reinsurance Transactions                                          

The Company has reinsurance agreements with certain MetLife subsidiaries,   
including Metropolitan Life Insurance Company, General American Life Insurance  
Company, Exeter and MICC, all of which are related parties.                     

Information regarding the significant effects of affiliated reinsurance     
included in the statements of operations was as follows:                        

                                                                [Download Table]

                                                        Years Ended December 31,
                                                        ----------------------- 
                                                         2013     2012    2011  
                                                        -------  ------- -------
                                                             (In millions)      
                                                                                
Premiums                                                                        
Reinsurance ceded...................................... $    --  $   (1) $    --
Universal life and investment-type product policy fees                          
Reinsurance ceded...................................... $  (41)  $  (39) $  (35)
Fees on ceded reinsurance and other                                             
Reinsurance ceded...................................... $    65  $    68 $    78
Policyholder benefits and claims                                                
Reinsurance ceded...................................... $  (13)  $  (44) $  (31)

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

4. Reinsurance (continued)                                                      

 Information regarding the significant effects of ceded affiliated reinsurance
included in the balance sheets was as follows at:                               

                                                        [Enlarge/Download Table]

                                                                       December 31,   
                                                                     -----------------
                                                                       2013     2012  
                                                                     -------- --------
                                                                       (In millions)  
                                                                                      
Assets                                                                                
Premiums, reinsurance and other receivables......................... $  1,798 $  2,451
Deferred policy acquisition costs and value of business acquired....     (20)     (59)
                                                                     -------- --------
  Total assets...................................................... $  1,778 $  2,392
                                                                     ======== ========

The Company ceded risks to affiliates related to guaranteed minimum benefit 
guarantees written directly by the Company. These ceded reinsurance agreements  
contain embedded derivatives and changes in their fair value are included       
within net derivative gains (losses). The embedded derivatives associated with  
the cessions are included within premiums, reinsurance and other receivables    
and were assets of $376 million and $959 million at December 31, 2013 and 2012, 
respectively. Net derivative gains (losses) associated with the embedded        
derivatives were ($639) million, $190 million and $380 million for the years    
ended December 31, 2013, 2012 and 2011, respectively.                           

 The Company has secured certain reinsurance recoverable balances with various
forms of collateral, including secured trusts and irrevocable letters of        
credit. The Company had $1.3 billion and $1.4 billion of unsecured affiliated   
reinsurance recoverable balances at December 31, 2013 and 2012, 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 $1.3 billion and $1.4 billion at December 31, 2013 and 2012,   
respectively. There were no deposit liabilities on affiliated reinsurance at    
both December 31, 2013 and 2012.                                                

5. Investments                                                                  

 See Note 7 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 variable interest entities ("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  
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.                                                                      

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

5. Investments (continued)                                                      

 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.                                                

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 fixed    
maturity securities and non-redeemable preferred stock is reported within     
equity securities. Included within fixed maturity securities are structured   
securities including RMBS, commercial mortgage-backed securities ("CMBS") and 
ABS.                                                                          

                                                        [Enlarge/Download Table]

                                                December 31, 2013                          December 31, 2012             
                                    ------------------------------------------ ------------------------------------------
                                                 Gross Unrealized                           Gross Unrealized             
                                     Cost or  ---------------------- Estimated  Cost or  ---------------------- Estimated
                                    Amortized       Temporary  OTTI    Fair    Amortized       Temporary  OTTI    Fair   
                                      Cost    Gains  Losses   Losses   Value     Cost    Gains  Losses   Losses   Value  
                                    --------- ----- --------- ------ --------- --------- ----- --------- ------ ---------
                                                                        (In millions)                                    
                                                                                                                         
Fixed maturity securities                                                                                                
U.S. corporate.....................  $   825  $ 55    $  8     $ --   $   872   $   913  $  87   $  1     $ --   $   999 
U.S. Treasury and agency...........      469     2      14       --       457       391      6     --       --       397 
RMBS...............................      312    12       7        5       312       286     21      4        6       297 
CMBS...............................      293     8       4       --       297       302     17     --       --       319 
Foreign corporate..................      223     9       3       --       229       209     14      1       --       222 
ABS................................       51     2      --       --        53        51      4      1       --        54 
State and political subdivision....       17     2      --       --        19        17      3     --       --        20 
Foreign government.................       10     1      --       --        11         9      3     --       --        12 
                                     -------  ----    ----     ----   -------   -------  -----   ----     ----   ------- 
 Total fixed maturity securities...  $ 2,200  $ 91    $ 36     $  5   $ 2,250   $ 2,178  $ 155   $  7     $  6   $ 2,320 
                                     =======  ====    ====     ====   =======   =======  =====   ====     ====   ======= 
Equity securities                                                                                                        
Common stock.......................  $    26  $ --    $ --     $ --   $    26   $    28  $  --   $ --     $ --   $    28 
Non-redeemable preferred stock.....       20    --       1       --        19        20     --      3       --        17 
                                     -------  ----    ----     ----   -------   -------  -----   ----     ----   ------- 
 Total equity securities...........  $    46  $ --    $  1     $ --   $    45   $    48  $  --   $  3     $ --   $    45 
                                     =======  ====    ====     ====   =======   =======  =====   ====     ====   ======= 

The Company held non-income producing fixed maturity securities with an   
estimated fair value of less than $1 million with unrealized gains (losses) of
less than $1 million at both December 31, 2013 and 2012.                      

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 single class and multi-class mortgage-backed and   
ABS are estimated using inputs obtained from third-party specialists and based
on management's knowledge of the current market. For credit-sensitive         
mortgage-backed and ABS and certain prepayment-sensitive securities, the      
effective yield is recalculated on a prospective basis. For all other         
mortgage-backed and ABS, the effective yield is recalculated on a             
retrospective basis.                                                          

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Notes to the Financial Statements -- (Continued)  

5. 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:                                

                                                        [Enlarge/Download Table]

                                                            December 31,               
                                              -----------------------------------------
                                                      2013                 2012        
                                              -------------------- --------------------
                                              Amortized Estimated  Amortized Estimated 
                                                Cost    Fair Value   Cost    Fair Value
                                              --------- ---------- --------- ----------
                                                            (In millions)              
                                                                                       
Due in one year or less...................... $    240   $    242  $    306   $    308 
Due after one year through five years........      487        512       446        476 
Due after five years through ten years.......      566        595       588        657 
Due after ten years..........................      251        239       199        209 
                                              --------   --------  --------   -------- 
  Subtotal...................................    1,544      1,588     1,539      1,650 
Structured securities (RMBS, CMBS and ABS)...      656        662       639        670 
                                              --------   --------  --------   -------- 
  Total fixed maturity securities............ $  2,200   $  2,250  $  2,178   $  2,320 
                                              ========   ========  ========   ======== 

  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.  
RMBS, CMBS and ABS are shown separately, as they are not due at a single      
maturity.                                                                     

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Notes to the Financial Statements -- (Continued)  

5. Investments (continued)                                                      

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.                                

                                                        [Enlarge/Download Table]

                                              December 31, 2013                         December 31, 2012            
                                  ----------------------------------------- -----------------------------------------
                                                       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  
                                  --------- ---------- --------- ---------- --------- ---------- --------- ----------
                                                      (In millions, except number of securities)                     
                                                                                                                     
Fixed maturity securities                                                                                            
U.S. corporate...................  $   84     $   7      $  13     $   1      $  20      $  1      $   9     $  --   
U.S. Treasury and agency.........     169        14         --        --         60        --         --        --   
RMBS.............................      84         4         34         8         --        --         49        10   
CMBS.............................      73         4         --        --          4        --         15        --   
Foreign corporate................      27         2          7         1          2        --          7         1   
ABS..............................       7        --          5        --         --        --          5         1   
Foreign government...............       1        --          1        --          1        --         --        --   
                                   ------     -----      -----     -----      -----      ----      -----     -----   
Total fixed maturity securities..  $  445     $  31      $  60     $  10      $  87      $  1      $  85     $  12   
                                   ======     =====      =====     =====      =====      ====      =====     =====   
Equity securities                                                                                                    
Non-redeemable preferred                                                                                             
 stock...........................  $   --     $  --      $  18     $   1      $  --      $ --      $  17     $   3   
                                   ------     -----      -----     -----      -----      ----      -----     -----   
Total number of securities in an                                                                                     
 unrealized loss position........      87                   18                   18                   22             
                                   ======                =====                =====                =====             

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; and (viii) other subjective   
factors, including concentrations and information obtained from regulators  
and rating agencies.                                                        

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

5. Investments (continued)                                                      

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, state and political subdivision securities and
     foreign government 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.                                                                   

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.                                                                      

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

5. Investments (continued)                                                      

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 has concluded that these securities are not         
 other-than-temporarily impaired at December 31, 2013. Future OTTI will depend
primarily on economic fundamentals, issuer performance (including changes in
 the present value of future cash flows expected to be collected), and 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 increased $28 million
during the year ended December 31, 2013 from $13 million to $41 million. The
 increase in gross unrealized losses for the year ended December 31, 2013, was
primarily attributable to an increase in interest rates, partially offset by
narrowing credit spreads.                                                   

At December 31, 2013, $5 million of the total $41 million of gross      
unrealized losses were from one below investment grade fixed maturity       
security with an unrealized loss position of 20% or more of amortized cost  
for six months or greater. Unrealized losses on the below investment grade  
fixed maturity security are related to non-agency RMBS (alternative         
residential mortgage loans) and are the result of significantly wider credit
spreads resulting from higher risk premiums since purchase, largely due to  
 economic and market uncertainties including concerns over unemployment levels
and valuations of residential real estate supporting non-agency RMBS.       
 Management evaluates non-agency RMBS based on actual and projected 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.                      

Equity Securities                                                           

Gross unrealized losses on equity securities decreased $2 million during
the year ended December 31, 2013 from $3 million to $1 million. None of the 
$1 million of gross unrealized losses were from equity securities with gross
unrealized losses of 20% or more of cost for 12 months or greater.          

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

5. Investments (continued)                                                      

Mortgage Loans                                                                  

Mortgage Loans by Portfolio Segment                                           

Mortgage loans are summarized as follows at:                                

                                                                [Download Table]

                                                  December 31,                 
                                 --------------------------------------------- 
                                           2013                   2012         
                                 -----------------------  -------------------- 
                                   Carrying                 Carrying     % of  
                                     Value     % of Total     Value      Total 
                                 ------------- ---------- ------------- ------ 
                                 (In millions)            (In millions)        
                                                                               
Mortgage loans:                                                                
  Commercial....................    $  246        86.0 %     $  238      83.8 %
  Agricultural..................        41         14.3          48       16.9 
                                    ------       ------      ------     ------ 
   Subtotal (1).................       287        100.3         286      100.7 
  Valuation allowances..........       (1)        (0.3)         (2)      (0.7) 
                                    ------       ------      ------     ------ 
   Total mortgage loans, net....    $  286       100.0 %     $  284     100.0 %
                                    ======       ======      ======     ====== 

--------                                                                        

(1)The Company did not purchase any mortgage loans during the year ended        
December 31, 2013. In 2012, the Company purchased $48 million of mortgage 
loans, of which $38 million were purchased at estimated fair value from an
affiliate, MetLife Bank, National Association.                            

Mortgage Loans and Valuation Allowance by Portfolio Segment                   

All commercial and agricultural mortgage loans held at both December 31,  
2013 and 2012 were evaluated collectively for credit losses. The valuation    
allowances maintained at both December 31, 2013 and 2012 were primarily for   
the commercial mortgage loan portfolio segment and were for non-specifically  
identified credit losses. The valuation allowance for agricultural mortgage   
loans was less than $1 million at both December 31, 2013 and 2012.            

Valuation Allowance Rollforward by Portfolio Segment                          

The changes in the valuation allowance, by portfolio segment, were as     
follows:                                                                      

                                                                [Download Table]

                                 Commercial Agricultural Total 
                                 ---------- ------------ ------
                                         (In millions)         
                                                               
Balance at January 1, 2011......   $    1     $    --    $    1
Provision (release).............        1          --         1
                                   ------     -------    ------
Balance at December 31, 2011....        2          --         2
Provision (release).............       --          --        --
                                   ------     -------    ------
Balance at December 31, 2012....        2          --         2
Provision (release).............      (1)          --       (1)
                                   ------     -------    ------
Balance at December 31, 2013....   $    1     $    --    $    1
                                   ======     =======    ======

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

5. 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 both 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 both 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 captures 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. All agricultural mortgage loans
are monitored on an ongoing basis. 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. 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.   

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

5. Investments (continued)                                                      

  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 loan-to-value ratio, as well as the values utilized in calculating
 these ratios, are updated annually, on a rolling basis, with a portion of the
loan portfolio updated each quarter.                                        

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.                          

Credit Quality of Commercial Mortgage Loans                                   

The credit quality of commercial mortgage loans, were as follows:         

                                                        [Enlarge/Download Table]

                                   Recorded Investment                                   
                       -------------------------------------------                       
                       Debt Service Coverage Ratios                                      
                       -----------------------------         % of     Estimated    % of  
                       > 1.20x 1.00x - 1.20x < 1.00x Total   Total   Fair Value    Total 
                       ------- ------------- ------- ------ ------  ------------- ------ 
                                  (In millions)                     (In millions)        
                                                                                         
December 31, 2013:                                                                       
Loan-to-value ratios:                                                                    
Less than 65%......... $  193      $   9      $  15  $  217  88.2 %    $  228      88.4 %
65% to 75%............     19         --         10      29   11.8         30       11.6 
                       ------      -----      -----  ------ ------     ------     ------ 
 Total................ $  212      $   9      $  25  $  246 100.0 %    $  258     100.0 %
                       ======      =====      =====  ====== ======     ======     ====== 
December 31, 2012:                                                                       
Loan-to-value ratios:                                                                    
Less than 65%......... $  194      $  10      $   9  $  213  89.5 %    $  231      90.2 %
65% to 75%............     15         --         10      25   10.5         25        9.8 
                       ------      -----      -----  ------ ------     ------     ------ 
 Total................ $  209      $  10      $  19  $  238 100.0 %    $  256     100.0 %
                       ======      =====      =====  ====== ======     ======     ====== 

Credit Quality of Agricultural Mortgage Loans                                 

All of the agricultural mortgage loans held at both December 31, 2013 and 
2012 had loan-to-value ratios of less than 65%.                               

Past Due, Interest Accrual Status and Impaired Mortgage Loans                 

The Company has a high quality, well performing, mortgage loan portfolio,   
with all mortgage loans classified as performing at both December 31, 2013 and  
2012. The Company defines delinquency consistent with industry practice, when   
mortgage loans are past due as follows: commercial mortgage loans -- 60 days    
and agricultural mortgage loans -- 90 days. The Company had no impaired         
mortgage loans, no mortgage loans past due and no mortgage loans in non-accrual 
status at both December 31, 2013 and 2012. The Company did not recognize        
interest income on impaired mortgage loans during the years ended December 31,  
2013, 2012 and 2011.                                                            

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

5. 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 concession granted is 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. Accordingly,  
the carrying value (after specific valuation allowance) before and after      
modification through a troubled debt restructuring may not change             
significantly, or may increase if the expected recovery is higher than the    
pre-modification recovery assessment.                                         

There were no mortgage loans modified in a troubled debt restructuring    
during the years ended December 31, 2013 and 2012.                            

Other Invested Assets                                                           

Other invested assets is comprised of loans to affiliates (see " -- Related 
Party Investment Transactions") and freestanding derivatives with positive      
estimated fair values (see Note 6).                                             

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 $17 million and $23 million at December 31, 2013 and  
2012, respectively.                                                             

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

5. Investments (continued)                                                      

Net Unrealized Investment Gains (Losses)                                        

 The components of net unrealized investment gains (losses), included in AOCI,
were as follows:                                                                

                                                        [Enlarge/Download Table]

                                                                                   Years Ended December 31,
                                                                                   ------------------------
                                                                                   2013     2012    2011   
                                                                                    -----   ------   ----- 
                                                                                     (In millions)         
                                                                                                           
Fixed maturity securities......................................................... $  55   $  148   $  88  
Fixed maturity securities with noncredit OTTI losses in AOCI......................   (5)      (6)    (10)  
                                                                                    -----   ------   ----- 
 Total fixed maturity securities..................................................    50      142      78  
Equity securities.................................................................   (1)      (3)     (5)  
Derivatives.......................................................................   (1)        1       2  
Short-term investments............................................................   (1)      (1)     (1)  
                                                                                    -----   ------   ----- 
 Subtotal.........................................................................    47      139      74  
                                                                                    -----   ------   ----- 
Amounts allocated from:                                                                                    
 Insurance liability loss recognition.............................................    --       --     (7)  
 DAC and VOBA related to noncredit OTTI losses recognized in AOCI.................     1        1       1  
 DAC and VOBA.....................................................................  (14)     (24)    (15)  
                                                                                    -----   ------   ----- 
   Subtotal.......................................................................  (13)     (23)    (21)  
Deferred income tax benefit (expense) related to noncredit OTTI losses recognized                          
  in AOCI.........................................................................     2        2       4  
Deferred income tax benefit (expense).............................................  (13)     (42)    (22)  
                                                                                    -----   ------   ----- 
Net unrealized investment gains (losses).......................................... $  23   $   76   $  35  
                                                                                    =====   ======   ===== 

The changes in fixed maturity securities with noncredit OTTI losses included
in AOCI were as follows:                                                        

                                                                [Download Table]

                                                     Years Ended December 31,
                                                     ------------------------
                                                        2013         2012    
                                                      ----------  ---------- 
                                                         (In millions)       
                                                                             
Balance at January 1,............................... $      (6)   $     (10) 
Securities sold with previous noncredit OTTI loss...          1            3 
Subsequent changes in estimated fair value..........         --            1 
                                                      ----------  ---------- 
Balance at December 31,............................. $      (5)   $      (6) 
                                                      ==========  ========== 

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

5. Investments (continued)                                                      

The changes in net unrealized investment gains (losses) were as follows:    

                                                        [Enlarge/Download Table]

                                                                                 Years Ended December 31,
                                                                                 ------------------------
                                                                                  2013     2012    2011  
                                                                                 -------  -------  ----- 
                                                                                     (In millions)       
                                                                                                         
Balance at January 1,........................................................... $    76  $    35  $  20 
Fixed maturity securities on which noncredit OTTI losses have been recognized...       1        4    (2) 
Unrealized investment gains (losses) during the year............................    (93)       61     39 
Unrealized investment gains (losses) relating to:                                                        
  Insurance liability gain (loss) recognition...................................      --        7    (7) 
  DAC and VOBA..................................................................      10      (9)    (7) 
  Deferred income tax benefit (expense) related to noncredit OTTI losses                                 
   recognized in AOCI...........................................................      --      (2)      1 
  Deferred income tax benefit (expense).........................................      29     (20)    (9) 
                                                                                 -------  -------  ----- 
Balance at December 31,......................................................... $    23  $    76  $  35 
                                                                                 =======  =======  ===== 
Change in net unrealized investment gains (losses).............................. $  (53)  $    41  $  15 
                                                                                 =======  =======  ===== 

Concentrations of Credit Risk                                                   

There were no investments in any counterparty that were greater than 10% of 
the Company's stockholder's equity, other than the U.S. government and its      
agencies, at both December 31, 2013 and 2012.                                   

Securities Lending                                                              

Elements of the securities lending program are presented below at:          

                                                                [Download Table]

                                                        December 31, 
                                                        -------------
                                                         2013   2012 
                                                        ------ ------
                                                        (In millions)
                                                                     
Securities on loan: (1)                                              
  Amortized cost....................................... $  249 $  185
  Estimated fair value................................. $  241 $  191
Cash collateral on deposit from counterparties (2)..... $  249 $  196
Reinvestment portfolio -- estimated fair value......... $  247 $  196

-------------                                                                   

(1)Included within fixed maturity securities and short-term investments.        

(2)Included within payables for collateral under securities loaned and other    
transactions.                                                             

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

5. Investments (continued)                                                      

Invested Assets on Deposit and Pledged as Collateral                            

   Invested assets on deposit and pledged as collateral are presented below at
estimated fair value for fixed maturity securities at:                      

                                                                [Download Table]

                                                              December 31,  
                                                             ---------------
                                                              2013    2012  
                                                             ------- -------
                                                              (In millions) 
                                                                            
Invested assets on deposit (regulatory deposits)............ $     7 $     4
Invested assets pledged as collateral (1)...................     505     620
                                                             ------- -------
 Total invested assets on deposit and pledged as collateral. $   512 $   624
                                                             ======= =======

--------                                                                        

(1)The Company has pledged invested assets in connection with various           
agreements and transactions, including funding agreements (see Note 2) and
derivative transactions (see Note 6).                                     

See "-- Securities Lending" for securities on loan.                     

Variable Interest Entities                                                      

 The Company has invested in certain structured transactions that are VIEs. In
certain instances, the Company may hold both the power to direct the most       
significant activities of the entity, as well as an economic interest in the    
entity and, as such, it would be deemed 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. The Company generally uses a    
qualitative approach to determine whether it is the primary beneficiary.        
However, for VIEs that are investment companies or apply measurement principles 
consistent with those utilized by investment companies, the primary beneficiary 
is based on a risks and rewards model and is defined as the entity that will    
absorb a majority of a VIE's expected losses, receive a majority of a VIE's     
expected residual returns if no single entity absorbs a majority of expected    
losses, or both. The Company reassesses its involvement with VIEs on a          
quarterly basis. The use of different methodologies, assumptions and inputs in  
the determination of the primary beneficiary could have a material effect on    
the amounts presented within the financial statements.                          

Consolidated VIEs                                                             

There were no VIEs for which the Company has concluded that it is the     
primary beneficiary and which are consolidated at December 31, 2013 and 2012. 

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

5. 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,               
                                                        -----------------------------------------
                                                                2013                 2012        
                                                        -------------------- --------------------
                                                                   Maximum              Maximum  
                                                        Carrying  Exposure   Carrying  Exposure  
                                                         Amount  to Loss (1)  Amount  to Loss (1)
                                                        -------- ----------- -------- -----------
                                                                      (In millions)              
                                                                                                 
Fixed maturity securities AFS:                                                                   
  Structured securities (RMBS, CMBS, and ABS) (2)......  $  662    $  662     $  670    $  670   
  U.S. and foreign corporate...........................      21        21         23        23   
Other limited partnership interests....................      19        20         14        15   
Equity securities AFS:                                                                           
  Non-redeemable preferred stock.......................      18        18         17        17   
                                                         ------    ------     ------    ------   
  Total................................................  $  720    $  721     $  724    $  725   
                                                         ======    ======     ======    ======   

--------                                                                        

(1)The maximum exposure to loss relating to fixed maturity and equity           
  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 is equal to the carrying amounts plus any unfunded  
commitments of the Company. 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.                                                    

As described in Note 11, 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 the years ended December 31, 2013, 2012 and 2011.                 

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

5. Investments (continued)                                                      

Net Investment Income                                                           

The components of net investment income were as follows:                    

                                                                [Download Table]

                                                      Years Ended December 31,
                                                      ------------------------
                                                       2013     2012    2011  
                                                       ------  ------  ------ 
                                                         (In millions)        
                                                                              
Investment income:                                                            
  Fixed maturity securities.......................... $   94   $   98  $  104 
  Equity securities..................................      1        1       2 
  Mortgage loans.....................................     16       15      10 
  Policy loans.......................................      2        2       2 
  Other limited partnership interests................      4        1      -- 
  Cash, cash equivalents and short-term investments..      1       --      -- 
                                                       ------  ------  ------ 
   Subtotal..........................................    118      117     118 
  Less: Investment expenses..........................      4        4       4 
                                                       ------  ------  ------ 
       Net investment income......................... $  114   $  113  $  114 
                                                       ======  ======  ====== 

   See "-- Related Party Investment Transactions" for discussion of affiliated
net investment income and investment expenses.                              

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,
                                                                             ------------------------
                                                                             2013     2012     2011  
                                                                              -----   ------  ------ 
                                                                                (In millions)        
                                                                                                     
Total gains (losses) on fixed maturity securities:                                                   
  Total OTTI losses recognized -- by industry:                                                       
   U.S. and foreign corporate securities -- by industry:                                             
     Finance................................................................ $  --   $  (1)   $   -- 
     Utility................................................................    --      (1)       -- 
                                                                              -----   ------  ------ 
       Total U.S. and foreign corporate securities..........................    --      (2)       -- 
                                                                              -----   ------  ------ 
  OTTI losses on fixed maturity securities recognized in earnings...........    --      (2)       -- 
  Fixed maturity securities -- net gains (losses) on sales and disposals....     1      (2)      (5) 
                                                                              -----   ------  ------ 
   Total gains (losses) on fixed maturity securities........................     1      (4)      (5) 
                                                                              -----   ------  ------ 
       Total net investment gains (losses).................................. $   1   $  (4)   $  (5) 
                                                                              =====   ======  ====== 

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

5. Investments (continued)                                                      

Sales or Disposals and Impairments of Fixed Maturity and Equity Securities    

  Proceeds from sales or disposals of fixed maturity and equity securities and
the components of fixed maturity and equity securities net investment gains   
(losses) are as shown in the table below. Investment gains and losses on sales
of securities are determined on a specific identification basis.              

                                                        [Enlarge/Download Table]

                                                      Years Ended December 31,                       
                                     ----------------------------------------------------------------
                                      2013     2012     2011   2013  2012  2011   2013   2012   2011 
                                      ------   ------  ------  ----- ----- ----- ------ ------ ------
                                     Fixed Maturity Securities Equity Securities        Total        
                                     ------------------------- ----------------- --------------------
                                                            (In millions)                            
                                                                                                     
Proceeds............................ $  417   $  576   $  318  $  -- $   1 $   5 $  417 $  577 $  323
                                      ======   ======  ======  ===== ===== ===== ====== ====== ======
Gross investment gains.............. $    3   $    2   $    3  $  -- $  -- $  -- $    3 $    2 $    3
                                      ------   ------  ------  ----- ----- ----- ------ ------ ------
Gross investment losses.............    (2)      (4)      (8)     --    --    --    (2)    (4)    (8)
                                      ------   ------  ------  ----- ----- ----- ------ ------ ------
Total OTTI losses:                                                                                   
  Credit-related....................     --      (1)       --     --    --    --     --    (1)     --
  Other (1).........................     --      (1)       --     --    --    --     --    (1)     --
                                      ------   ------  ------  ----- ----- ----- ------ ------ ------
   Total OTTI losses................     --      (2)       --     --    --    --     --    (2)     --
                                      ------   ------  ------  ----- ----- ----- ------ ------ ------
    Net investment gains (losses)... $    1   $  (4)   $  (5)  $  -- $  -- $  -- $    1 $  (4) $  (5)
                                      ======   ======  ======  ===== ===== ===== ====== ====== ======

--------                                                                        

(1)Other OTTI losses recognized in earnings include impairments on fixed        
maturity securities where there is an intent to sell or it is more likely 
than not that the Company will be required to sell the security before    
recovery of the decline in estimated fair value.                          

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,
                                                                 ------------------------
                                                                    2013         2012    
                                                                  ----------  ---------- 
                                                                     (In millions)       
                                                                                         
Balance at January 1,........................................... $        2   $        3 
Reductions:                                                                              
 Sales (maturities, pay downs or prepayments) during the period                          
   of securities previously impaired as credit loss OTTI........         --          (1) 
                                                                  ----------  ---------- 
Balance at December 31,......................................... $        2   $        2 
                                                                  ==========  ========== 

Related Party Investment Transactions                                         

The Company has an affiliated loan outstanding, which is included in other
invested assets, totaling $45 million at both years ended December 31, 2013   
and 2012. At December 31, 2011, the loan was outstanding with Exeter, an      
affiliate. During 2012, MetLife assumed this affiliated debt from Exeter. The 
loan is due on July 15, 2021, and bears interest, payable semi-annually, at   
5.64%. Net investment income from this loan was $3 million, $3 million and $1 
million for the years ended December 31, 2013, 2012 and 2011, respectively.   

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

5. Investments (continued)                                                      

The Company receives investment administrative services from an affiliate.
The related investment administrative service charges were $3 million for each
of the years ended December 31, 2013, 2012 and 2011.                          

6. Derivatives                                                                  

Accounting for Derivatives                                                      

See Note 1 for a description of the Company's accounting policies for       
derivatives and Note 7 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. The Company uses a variety of strategies to manage these risks,         
including the use of derivatives.                                               

Derivatives are financial instruments whose values are 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,     
futures and option contracts. To a lesser extent, the Company uses credit       
default swaps to synthetically replicate investment risks and returns which are 
not readily available in the cash market.                                       

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 and      
floors.                                                                       

  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 and non-qualifying hedging 
relationships.                                                                

 The Company purchases 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 floors by entering into offsetting written       
floors. The Company utilizes interest rate floors in non-qualifying hedging   
relationships.                                                                

  To a lesser extent, the Company uses interest rate futures in non-qualifying
hedging relationships.                                                        

Foreign Currency Exchange Rate Derivatives                                    

  The Company uses foreign currency swaps to reduce the risk from fluctuations
in foreign currency exchange rates associated with its assets 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                                                              

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Notes to the Financial Statements -- (Continued)  

6. Derivatives (continued)                                                      

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 cash flow and      
non-qualifying 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 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, repudiation, moratorium, or involuntary restructuring. 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 non-qualifying 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. Treasury securities,
agency securities or other fixed maturity securities. These credit default    
swaps are not designated as hedging instruments.                              

Primary Risks Managed by Derivatives                                            

The following table presents the gross notional amount, estimated fair value
and primary underlying risk exposure of the Company's derivatives, excluding    
embedded derivatives, held at:                                                  

                                                        [Enlarge/Download Table]

                                                                                           December 31,                          
                                                                      -----------------------------------------------------------
                                                                                 2013                          2012              
                                                                      ----------------------------- -----------------------------
                                                                               Estimated Fair Value          Estimated Fair Value
                                                                               --------------------          --------------------
                                                                      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.................... $     10 $  --      $  --     $     12 $  --      $  --    
Cash flow hedges:                                                                                                                
 Foreign currency swaps............ Foreign currency exchange rate...       30     2          3           27     2          1    
                                                                      -------- -----      -----     -------- -----      -----    
    Total qualifying hedges......................................           40     2          3           39     2          1    
                                                                      -------- -----      -----     -------- -----      -----    
Derivatives Not Designated or Not Qualifying as Hedging Instruments                                                              
Interest rate swaps................ Interest rate....................      741    12         22          741     9          6    
Interest rate floors............... Interest rate....................    2,040     9          4        2,040    36         17    
Foreign currency swaps............. Foreign currency exchange rate...       37    --          5           23    --          1    
Credit default swaps--purchased.... Credit...........................        8    --         --            9    --         --    
Credit default swaps--written...... Credit...........................       20    --         --           22    --         --    
                                                                      -------- -----      -----     -------- -----      -----    
   Total non-designated or non-qualifying derivatives.............       2,846    21         31        2,835    45         24    
                                                                      -------- -----      -----     -------- -----      -----    
    Total........................................................     $  2,886 $  23      $  34     $  2,874 $  47      $  25    
                                                                      ======== =====      =====     ======== =====      =====    

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

6. Derivatives (continued)                                                      

 Based on 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, 2013 and 2012. 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; and (iii) written credit default swaps that are 
used to synthetically create credit investments and that do not qualify for     
hedge accounting because they do not involve a hedging relationship. For these  
non-qualified derivatives, changes in market factors can lead to the            
recognition of fair value changes in 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:            

                                                                [Download Table]

                                         Years Ended December 31,
                                         ----------------------  
                                           2013      2012   2011 
                                         --------   ------ ------
                                             (In millions)       
                                                                 
Derivatives and hedging gains (losses).. $   (27)   $   26 $   36
Embedded derivatives....................    (415)      303    290
                                         --------   ------ ------
  Total net derivative gains (losses)... $  (442)   $  329 $  326
                                         ========   ====== ======

The amount the Company recognized in net investment income from settlement  
payments related to qualifying hedges for the years ended December 31, 2013,    
2012 and 2011, was not significant.                                             

The Company recognized $26 million, $25 million and $14 million of net      
derivative gains (losses) from settlement payments related to non-qualifying    
hedges for the years ended December 31, 2013, 2012 and 2011, respectively.      

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

6. Derivatives (continued)                                                      

Non-Qualifying 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 qualifying as  
hedging instruments:                                                            

                                                                [Download Table]

                                                      Net      
                                                   Derivative  
                                                 Gains (Losses)
                                                 --------------
                                                 (In millions) 
                                                               
Year Ended December 31, 2013:                                  
  Interest rate derivatives.....................    $  (50)    
  Foreign currency exchange rate derivatives....        (4)    
  Credit derivatives -- purchased...............         --    
  Credit derivatives -- written.................         --    
                                                    -------    
   Total........................................    $  (54)    
                                                    =======    
Year Ended December 31, 2012:                                  
  Interest rate derivatives.....................    $     2    
  Foreign currency exchange rate derivatives....        (1)    
  Credit derivatives -- purchased...............         --    
  Credit derivatives -- written.................         --    
                                                    -------    
   Total........................................    $     1    
                                                    =======    
Year Ended December 31, 2011:                                  
  Interest rate derivatives.....................    $    22    
  Foreign currency exchange rate derivatives....         --    
  Credit derivatives -- purchased...............         --    
  Credit derivatives -- written.................          1    
                                                    -------    
   Total........................................    $    23    
                                                    =======    

Fair Value Hedges                                                               

The Company designates and accounts for interest rate swaps to convert fixed
rate assets to floating rate assets as fair value hedges when they have met the 
requirements of fair value hedging.                                             

The amounts recognized in net derivative gains (losses) representing the    
ineffective portion of all fair value hedges for each of the years ended        
December 31, 2013, 2012 and 2011 were not significant. Changes in the fair      
value of the derivatives and the hedged items recognized in net derivative      
gains (losses) were not significant for each of the years ended December 31,    
2013, 2012 and 2011.                                                            

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 foreign currency swaps to hedge the 
foreign currency cash flow exposure of foreign currency denominated assets as   
cash flow hedges when they have met the requirements of cash flow hedging.      

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

6. Derivatives (continued)                                                      

In certain instances, the Company discontinued cash flow hedge accounting   
because the forecasted transactions were no longer probable of occurring. When  
such forecasted transactions are not probable of occurring within two months of 
the anticipated date, the Company reclassifies certain amounts from AOCI into   
net derivative gains (losses). For the year ended December 31, 2013 the amounts 
reclassified into net derivative gains (losses) related to such discontinued    
cash flow hedges were not significant. For both the years ended 2012 and 2011,  
there were no amounts reclassified into net derivative gains (losses) related   
to such discontinued cash flow hedges.                                          

There were no hedged forecasted transactions, other than the receipt or     
payment of variable interest payments, for the years ended December 31, 2013,   
2012 and 2011.                                                                  

At December 31, 2013 and 2012, the balance in AOCI associated with foreign  
currency swaps designated and qualifying as cash flow hedges was ($1) million   
and $1 million, respectively.                                                   

 For the years ended December 31, 2013, 2012 and 2011, there was ($2) million,
($1) million and $1 million of gains (losses) deferred in AOCI related to       
foreign currency swaps, respectively. For both the years ended December 31,     
2013 and 2012, the amounts reclassified to net derivative gains (losses)        
related to foreign currency swaps were not significant. For the year ended      
December 31, 2011, there were no amounts reclassified to net derivative gains   
(losses) related to foreign currency swaps. For the years ended December 31,    
2013, 2012 and 2011, there were no amounts reclassified to net investment       
income related to foreign currency swaps.                                       

For both the years ended December 31, 2013 and 2012, the amounts recognized 
in net derivative gains (losses) which represented the ineffective portion of   
all cash flow hedges were not significant. For the year ended December 31,      
2011, the Company did not recognize any net derivative gains (losses) which     
represented the ineffective portion of all cash flow hedges.                    

At December 31, 2013, ($1) million of deferred net gains (losses) on        
derivatives in AOCI was expected to be reclassified to earnings within the next 
12 months.                                                                      

All components of each derivative's gain or loss were included in the       
assessment of hedge effectiveness.                                              

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 non-qualifying     
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 $20 million and $22 
million at December 31, 2013 and 2012, respectively. The Company can terminate  
these contracts at any time through cash settlement with the counterparty at an 
amount equal to the then current fair value of the credit default swaps. At     
both December 31, 2013 and 2012, the amounts the Company would have received to 
terminate all of these contracts was not significant.                           

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

6. 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,                                   
                              ---------------------------------------------------------------------------------
                                                2013                                     2012                  
                              ---------------------------------------- ----------------------------------------
                              Estimated      Maximum                   Estimated      Maximum                  
                              Fair Value Amount of Future   Weighted   Fair Value Amount of Future   Weighted  
Rating Agency Designation of  of Credit   Payments under    Average    of Credit   Payments under    Average   
Referenced                     Default    Credit Default    Years to    Default    Credit Default    Years to  
Credit Obligations (1)          Swaps       Swaps (2)     Maturity (3)   Swaps       Swaps (2)     Maturity (3)
----------------------------  ---------- ---------------- ------------ ---------- ---------------- ------------
                                     (In millions)                            (In millions)                    
                                                                                                               
Aaa/Aa/A                                                                                                       
Single name credit default                                                                                     
  swaps (corporate)..........  $     --      $     --          --       $     --      $      2         1.0     
Baa                                                                                                            
Credit default swaps                                                                                           
  referencing indices........        --            20         5.0             --            20         4.5     
                               --------      --------                   --------      --------                 
 Total.......................  $     --      $     20         5.0       $     --      $     22         4.2     
                               ========      ========                   ========      ========                 

--------                                                                        

(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)Assumes the value of the referenced credit obligations is zero.              

(3)The weighted average years to maturity of the credit default swaps is        
calculated based on weighted average notional amounts.                    

Credit Risk on Freestanding Derivatives                                         

The Company may be exposed to credit-related losses in the event of         
nonperformance by 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        
generally 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.                                                                    

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

6. Derivatives (continued)                                                      

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, and the Company has minimal exposure to credit-related losses in   
the event of nonperformance by counterparties to such derivatives.              

 See Note 7 for a description of the impact of credit risk on the valuation of
derivatives.                                                                    

The estimated fair value of the Company's net derivative assets and net     
derivative liabilities after the application of master netting agreements and   
collateral was as follows at:                                                   

                                                        [Enlarge/Download Table]

                                                                           December 31, 2013  December 31, 2012 
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)....................................................... $  25     $  32    $   53    $  27   
  OTC-cleared (1).........................................................    --        --        --       --   
  Exchange-traded.........................................................    --        --        --       --   
                                                                           -----     -----    ------    -----   
   Total gross estimated fair value of derivatives (1)....................    25        32        53       27   
Amounts offset in the balance sheets......................................    --        --        --       --   
                                                                           -----     -----    ------    -----   
Estimated fair value of derivatives presented in the balance sheets (1)...    25        32        53       27   
Gross amounts not offset in the balance sheets:                                                                 
Gross estimated fair value of derivatives: (2)                                                                  
  OTC-bilateral...........................................................   (5)       (5)      (10)     (10)   
  OTC-cleared.............................................................    --        --        --       --   
  Exchange-traded.........................................................    --        --        --       --   
Cash collateral: (3)                                                                                            
  OTC-bilateral...........................................................  (17)        --      (42)       --   
  OTC-cleared.............................................................    --        --        --       --   
  Exchange-traded.........................................................    --        --        --       --   
Securities collateral: (4)                                                                                      
  OTC-bilateral...........................................................   (2)      (26)       (1)     (16)   
  OTC-cleared.............................................................    --        --        --       --   
  Exchange-traded.........................................................    --        --        --       --   
                                                                           -----     -----    ------    -----   
Net amount after application of master netting agreements and collateral.. $   1     $   1    $   --    $   1   
                                                                           =====     =====    ======    =====   

--------                                                                        

(1)At December 31, 2013 and 2012, derivative assets include income or expense   
  accruals reported in accrued investment income or in other liabilities of $2
million and $6 million, respectively, and derivative liabilities include  
  income or expense accruals reported in accrued investment income or in other
liabilities of ($2) million and $2 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.                       

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

6. Derivatives (continued)                                                      

(3)Cash collateral received 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 in the balance sheets. 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 in the balance sheets. 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 both     
 December 31, 2013 and 2012, the Company had not received or paid any excess
cash collateral.                                                          

(4)Securities collateral received by the Company is held in separate custodial  
accounts and is not recorded on the balance sheets. Subject to certain    
constraints, the Company is permitted by contract to sell or repledge this
  collateral, but at December 31, 2013 none of the collateral had been sold or
  repledged. Securities collateral pledged by the Company is reported in fixed
maturity securities in the balance sheets. Subject to certain constraints,
the counterparties are permitted by contract to sell or repledge 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 both December 31, 2013 and 2012,
the Company received excess securities collateral with an estimated fair  
value of $1 million for its OTC-bilateral derivatives, which are not      
included in the table above due to the foregoing limitation. At both      
December 31, 2013 and 2012, the Company had provided no excess securities 
collateral for its OTC-bilateral derivatives, and had provided $1 million 
and $0, respectively, for its OTC- cleared derivatives, which are not     
included in the table above due to the foregoing limitation. At both      
December 31, 2013 and 2012, the Company did not pledge any securities     
collateral for its exchange-traded derivatives.                           

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     
fair value of that counterparty's derivatives reaches a pre-determined          
threshold. Certain of these arrangements also include financial                 
strength-contingent provisions that provide for a reduction of these thresholds 
(on a sliding scale that converges toward zero) in the event of downgrades in   
the financial strength ratings of the Company and/or the credit ratings of the  
counterparty. In addition, certain of the Company's netting agreements for      
derivatives contain provisions that require both the 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.                                        

The following table presents the estimated fair value of the Company's      
OTC-bilateral derivatives that are 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 the Company would be required to       
provide if there was a one notch downgrade in the Company's financial strength  
rating at the reporting date or if the Company's financial strength rating      
sustained a downgrade to a level that                                           

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

6. Derivatives (continued)                                                      

triggered full overnight collateralization or termination of the derivative     
position at the reporting date. OTC-bilateral derivatives that are not subject  
to collateral agreements are excluded from this table.                          

                                                        [Enlarge/Download Table]

                                    Estimated Fair Value of    Fair Value of Incremental Collateral    
                                     Collateral Provided:                 Provided Upon:               
                                    ----------------------- -------------------------------------------
                                                                                   Downgrade in the    
                                                                                 Company's Financial   
                                                                                   Strength Rating     
                                                                               to a Level that Triggers
                       Estimated                                One Notch           Full Overnight     
                     Fair Value of                             Downgrade in      Collateralization or  
                     Derivatives in                           the Company's          Termination       
                     Net Liability      Fixed Maturity      Financial Strength    of the Derivative    
                      Position (1)        Securities              Rating               Position        
                     -------------- ----------------------- ------------------ ------------------------
                                                       (In millions)                                   
                                                                                                       
December 31, 2013...    $    27             $    26              $    --                $    1         
December 31, 2012...    $    17             $    16              $    --                $    2         

--------                                                                        

(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; and affiliated ceded reinsurance of   
guaranteed minimum benefits related to GMWBs, GMABs and certain GMIBs.          

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:                                                        

                                                                [Download Table]

                                                                   December 31,  
                                                                  ---------------
                                        Balance Sheet Location      2013    2012 
                                       -------------------------- -------- ------
                                                                   (In millions) 
                                                                                 
Net embedded derivatives within asset                                            
  host contracts:                                                                
  Ceded guaranteed minimum benefits... Premiums, reinsurance and                 
                                       other receivables......... $    376 $  959
Net embedded derivatives within                                                  
  liability host contracts:                                                      
  Direct guaranteed minimum benefits.. PABs...................... $  (131) $   56

The following table presents changes in estimated fair value related to     
embedded derivatives:                                                           

                                                                [Download Table]

                                         Years Ended December 31,
                                         ----------------------  
                                           2013      2012   2011 
                                         --------   ------ ------
                                             (In millions)       
                                                                 
Net derivative gains (losses) (1), (2).. $  (415)   $  303 $  290

--------                                                                        

(1)The valuation of direct guaranteed minimum benefits includes a               
  nonperformance risk adjustment. The amounts included in net derivative gains
  (losses) in connection with this adjustment were ($6) million, ($26) million
and $29 million for the years ended December 31, 2013, 2012 and 2011,     
respectively. In addition,                                                

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

6. Derivatives (continued)                                                      

  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 $42 million, $28 million and ($62)   
 million for the years ended December 31, 2013, 2012 and 2011, respectively.

(2)See Note 4 for discussion of affiliated net derivative gains (losses)        
included in the table above.                                              

7. Fair Value                                                                   

When developing estimated fair values, the Company considers three broad    
valuation techniques: (i) the market approach, (ii) the income approach, and    
(iii) the cost approach. The Company determines the most appropriate valuation  
technique 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.                                                                        

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

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 are         
presented below.                                                                

                                                        [Enlarge/Download Table]

                                                                           December 31, 2013            
                                                               -----------------------------------------
                                                                 Fair Value Hierarchy                   
                                                               -------------------------                

                                                                                         Total Estimated
                                                               Level 1  Level 2  Level 3   Fair Value   
                                                               ------- --------- ------- ---------------
                                                                             (In millions)              
                                                                                                        
Assets                                                                                                  
Fixed maturity securities:                                                                              
 U.S. corporate............................................... $   --  $     859 $   13     $     872   
 U.S. Treasury and agency.....................................    408         49     --           457   
 RMBS.........................................................     --        285     27           312   
 CMBS.........................................................     --        297     --           297   
 Foreign corporate............................................     --        185     44           229   
 ABS..........................................................     --         46      7            53   
 State and political subdivision..............................     --         19     --            19   
 Foreign government...........................................     --         11     --            11   
                                                               ------  --------- ------     ---------   
   Total fixed maturity securities............................    408      1,751     91         2,250   
                                                               ------  --------- ------     ---------   
Equity securities:                                                                                      
 Common stock.................................................     --         26     --            26   
 Non-redeemable preferred stock...............................     --         --     19            19   
                                                               ------  --------- ------     ---------   
   Total equity securities....................................     --         26     19            45   
                                                               ------  --------- ------     ---------   
Short-term investments........................................     14         61     --            75   
 Derivative assets: (1)                                                                                 
   Interest rate..............................................     --         21     --            21   
   Foreign currency exchange rate.............................     --          2     --             2   
                                                               ------  --------- ------     ---------   
    Total derivative assets...................................     --         23     --            23   
                                                               ------  --------- ------     ---------   
Net embedded derivatives within asset host contracts (2)......     --         --    376           376   
Separate account assets (3)...................................     --     12,033     --        12,033   
                                                               ------  --------- ------     ---------   
    Total assets.............................................. $  422  $  13,894 $  486     $  14,802   
                                                               ======  ========= ======     =========   
Liabilities                                                                                             
Derivative liabilities: (1)                                                                             
 Interest rate................................................ $   --  $      26 $   --     $      26   
 Foreign currency exchange rate...............................     --          8     --             8   
                                                               ------  --------- ------     ---------   
   Total derivative liabilities...............................     --         34     --            34   
                                                               ------  --------- ------     ---------   
Net embedded derivatives within liability host contracts (2)..     --         --  (131)         (131)   
                                                               ------  --------- ------     ---------   
   Total liabilities.......................................... $   --  $      34 $(131)     $    (97)   
                                                               ======  ========= ======     =========   

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                                                              December 31, 2012               
                                                               -----------------------------------------------
                                                                    Fair Value Hierarchy                      
                                                               -------------------------------                
                                                                                               Total Estimated
                                                               Level 1    Level 2    Level 3     Fair Value   
                                                               -------- ----------- ---------- ---------------
                                                                                (In millions)                 
                                                                                                              
Assets                                                                                                        
Fixed maturity securities:                                                                                    
 U.S. corporate............................................... $     -- $       944 $       55   $       999  
 U.S. Treasury and agency.....................................      382          15         --           397  
 RMBS.........................................................       --         283         14           297  
 CMBS.........................................................       --         305         14           319  
 Foreign corporate............................................       --         180         42           222  
 ABS..........................................................       --          54         --            54  
 State and political subdivision..............................       --          20         --            20  
 Foreign government...........................................       --          12         --            12  
                                                               -------- ----------- ----------   -----------  
   Total fixed maturity securities............................      382       1,813        125         2,320  
                                                               -------- ----------- ----------   -----------  
Equity securities:                                                                                            
 Common stock.................................................       --          28         --            28  
 Non-redeemable preferred stock...............................       --          --         17            17  
                                                               -------- ----------- ----------   -----------  
   Total equity securities....................................       --          28         17            45  
                                                               -------- ----------- ----------   -----------  
Short-term investments........................................      116          23         --           139  
 Derivative assets: (1)                                                                                       
   Interest rate..............................................       --          45         --            45  
   Foreign currency exchange rate.............................       --           2         --             2  
                                                               -------- ----------- ----------   -----------  
    Total derivative assets...................................       --          47         --            47  
                                                               -------- ----------- ----------   -----------  
Net embedded derivatives within asset host contracts (2)......       --          --        959           959  
Separate account assets (3)...................................       --      11,072         --        11,072  
                                                               -------- ----------- ----------   -----------  
    Total assets.............................................. $    498 $    12,983 $    1,101   $    14,582  
                                                               ======== =========== ==========   ===========  
Liabilities                                                                                                   
Derivative liabilities: (1)                                                                                   
 Interest rate................................................ $     -- $        23 $       --   $        23  
 Foreign currency exchange rate...............................       --           2         --             2  
                                                               -------- ----------- ----------   -----------  
    Total derivative liabilities..............................       --          25         --            25  
                                                               -------- ----------- ----------   -----------  
Net embedded derivatives within liability host contracts (2)..       --          --         56            56  
                                                               -------- ----------- ----------   -----------  
    Total liabilities......................................... $     -- $        25 $       56   $        81  
                                                               ======== =========== ==========   ===========  

--------                                                                        

(1)Derivative assets are presented within other invested assets in the balance  
 sheets and derivative liabilities are presented within other liabilities in
the balance sheets. The amounts are presented gross in the tables above to
reflect the presentation in the balance sheets, but are presented net for 
  purposes of the rollforward in the Fair Value Measurements Using Significant
Unobservable Inputs (Level 3) tables.                                     

(2)Net embedded derivatives within asset host contracts are presented within    
premiums, reinsurance and other receivables in the balance sheets. Net    
embedded derivatives within liability host contracts are presented within 
PABs in the balance sheets.                                               

(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.     

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

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 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 MetLife, Inc.'s Board of
Directors 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 2% of the total estimated fair value of Level 3 fixed
maturity securities.                                                        

  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                                                              

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

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 and Short-term Investments                                       

  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.                                                                   

 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.                     

Level 2 Valuation Techniques and Key Inputs:                                

This level includes securities priced principally by independent pricing
services using observable inputs. Short-term investments within this level  
are of a similar nature and class to the Level 2 fixed maturity securities  
and equity securities.                                                      

U.S. corporate and foreign corporate securities                           

These securities are principally valued using the market and income   
 approaches. Valuations are based primarily on quoted prices in markets that
  are not active, or using matrix pricing or other similar techniques that use
standard market observable inputs such as benchmark yields, spreads off   
benchmark yields, new issuances, issuer rating, duration, and trades of   
identical or comparable securities. Privately-placed securities are valued
 using matrix pricing methodologies using standard market observable inputs,
and inputs derived from, or corroborated by, market observable data       
including market yield curve, duration, call provisions, observable prices
and spreads for similar publicly traded or privately traded issues that   
incorporate the credit quality and industry sector of the issuer, and in  
certain cases, delta spread adjustments to reflect specific credit-related
issues.                                                                   

U.S. Treasury and agency securities                                       

These securities are principally valued using the market approach.    
Valuations are based primarily on quoted prices in markets that are not   
active, or using matrix pricing or other similar techniques using standard
 market observable inputs such as a benchmark U.S. Treasury yield curve, the
spread off the U.S. Treasury yield curve for the identical security and   
comparable securities that are actively traded.                           

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

Structured securities comprised of RMBS, CMBS and ABS                     

These securities are principally valued using the market and income   
approaches. Valuations are based primarily on matrix pricing, discounted  
cash flow methodologies or other similar techniques using standard market 
inputs, including spreads for actively traded securities, spreads off     
benchmark yields, expected prepayment speeds and volumes, current and     
 forecasted loss severity, rating, weighted average coupon, weighted average
maturity, average delinquency rates, geographic region, debt-service      
coverage ratios and issuance-specific information, including, but not     
  limited to: collateral type, payment terms of the underlying assets, payment
  priority within the tranche, structure of the security, deal performance and
vintage of loans.                                                         

State and political subdivision and foreign government securities         

These securities are principally valued using the market approach.    
  Valuations are based primarily on matrix pricing or other similar techniques
  using standard market observable inputs, including a benchmark U.S. Treasury
 yield or other yields, issuer ratings, broker-dealer quotes, issuer spreads
and reported trades of similar securities, including those within the same
sub-sector or with a similar maturity or credit rating.                   

Common stock                                                              

These securities are principally valued using the market approach.    
Valuations are based principally on observable inputs, including quoted   
prices in markets that are not considered active.                         

Level 3 Valuation Techniques and Key Inputs:                                

In general, securities classified within Level 3 use many of the same   
 valuation techniques and inputs as described previously for Level 2. However,
if key inputs are unobservable, or if the investments are less liquid and   
there is very limited trading activity, the investments are generally       
classified as Level 3. The use of independent non-binding broker quotations 
to value investments generally indicates there is a lack of liquidity or a  
lack of transparency in the process to develop the valuation estimates,     
generally causing these investments to be classified in Level 3.            

U.S. corporate and foreign corporate securities                           

   These securities, including financial services industry hybrid securities
classified within fixed maturity securities, are principally valued using 
the market approach. Valuations are based primarily on matrix pricing or  
other similar techniques that utilize unobservable inputs or inputs that  
cannot be derived principally from, or corroborated by, observable market 
data, including illiquidity premium, delta spread adjustments to reflect  
 specific credit-related issues, credit spreads; and inputs including 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.   
Certain valuations are based on independent non-binding broker quotations.

Structured securities comprised of RMBS, CMBS and ABS                     

These securities are principally valued using the market and income   
approaches. Valuations are based primarily on matrix pricing, discounted  
cash flow methodologies or other similar techniques that utilize          

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

inputs that are unobservable or cannot be derived principally from, or    
corroborated by, observable market data, including credit spreads. Below  
investment grade securities and sub-prime RMBS included in this level are 
valued based on inputs including 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. Certain of these valuations
are based on independent non-binding broker quotations.                   

Non-redeemable preferred stock                                            

   These securities, including financial services industry hybrid securities
  classified within equity securities, are principally valued using the market
and income approaches. Valuations are based primarily on matrix pricing,  
 discounted cash flow methodologies or other similar techniques using inputs
such as comparable credit rating and issuance structure. Certain of these 
 securities are valued based on inputs including 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 and independent    
non-binding broker quotations.                                            

Separate Account Assets                                                     

   Separate account assets are carried at estimated fair value and reported as
a summarized total on the balance sheets. The estimated fair value of       
separate account assets is based on the estimated fair value of the         
underlying assets. Separate account assets within the Company's separate    
accounts consist of mutual funds.                                           

Level 2 Valuation Techniques and Key Inputs:                                

These assets are comprised of certain mutual funds without readily      
determinable fair values, as prices are not published publicly. Valuation of
the mutual funds is based upon quoted prices or reported NAV provided by the
fund managers.                                                              

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.         
Significant inputs that are observable generally include: interest rates,     
foreign currency exchange rates, interest rate curves, credit curves and      
volatility. However, 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. Significant inputs that are          
unobservable generally include references to emerging market currencies and   
inputs that are outside the observable portion of                             

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

the interest rate curve, credit curve, volatility or other relevant market    
measure. 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.                                                                  

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 Techniques 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. These   
derivatives are principally valued using the income approach.               

Interest rate                                                             

   Non-option-based. Valuations are based on present value techniques, which
utilize significant inputs that may include the swap yield curve and basis
curves.                                                                   

    Option-based. Valuations are based on option pricing models, which utilize
significant inputs that may include the swap yield curve, basis curves and
interest rate volatility.                                                 

Foreign currency exchange rate                                            

   Non-option-based. Valuations are based on present value techniques, which
utilize significant inputs that may include the swap yield curve, basis   
curves, currency spot rates and cross currency basis curves.              

Embedded Derivatives                                                          

Embedded derivatives principally include certain direct variable annuity  
guarantees and certain affiliated ceded reinsurance agreements related to such
variable annuity guarantees. Embedded derivatives are recorded at estimated   
fair value with changes in estimated fair value reported in net income.       

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MetLife Investors Insurance Company 
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Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

  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 PABs in the  
balance sheets.                                                               

  The fair value of these embedded derivatives, 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, is calculated by the Company's actuarial    
department. 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'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 compared to MetLife.                                   

 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, to an affiliated reinsurance company, the risk associated
with certain of the GMIBs, GMABs and GMWBs described above that are also      
accounted for as embedded derivatives. In addition to ceding risks associated 
with guarantees that are accounted for as embedded derivatives, the Company   
also cedes, to the same affiliated reinsurance company, certain 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 in the 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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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

Embedded Derivatives Within Asset and Liability Host Contracts              

Level 3 Valuation Techniques and Key Inputs:                                

Direct 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 curve, 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 curve 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 Guaranteed Minimum Benefits" and also include         
counterparty credit spreads.                                              

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:                                           

 There were no transfers between Levels 1 and 2 for assets and liabilities
  measured at estimated fair value and still held at December 31, 2013 and 2012.

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.             

  Transfers into Level 3 for fixed maturity securities were due primarily to
 a lack of trading activity, decreased liquidity and credit ratings downgrades
(e.g., from investment grade to below investment grade) which have resulted 
in decreased transparency of valuations and an increased use of independent 
non-binding broker quotations and unobservable inputs, such as illiquidity  
premiums, delta spread adjustments, or credit spreads.                      

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Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

 Transfers out of Level 3 for fixed maturity securities resulted primarily
from increased transparency of both new issuances that, subsequent to       
issuance and establishment of trading activity, became priced by independent
 pricing services and existing issuances that, over time, the Company was able
to obtain pricing from, or corroborate pricing received from, independent   
pricing services with observable inputs (such as observable spreads used in 
pricing securities) or increases in market activity and upgraded credit     
ratings.                                                                    

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, 2013        
                       --------------------- --------------------------  --------------------------   
                            Valuation              Significant                             Weighted   
                            Techniques          Unobservable Inputs          Range        Average (1) 
                       --------------------- --------------------------  -------------    ----------- 
                                                                                                      
Fixed maturity securities: (3)                                                                        
 U.S. corporate and    Matrix pricing        Delta spread                                             
  foreign corporate...                         adjustments (4)            (10)  -     30        6     
                                             Illiquidity premium (4)        30  -     30       30     
                                             Credit spreads (4)                                       
                       Consensus pricing     Offered quotes (5)                                       
                       -------------------------------------------------------------------------------
RMBS                   Matrix pricing and    Credit spreads (4)                                       
                         discounted cash                                                              
                         flow                                               97  -    574      411     
                       Market pricing        Quoted prices (5)             100  -    100      100     
                       -------------------------------------------------------------------------------
CMBS                   Market pricing        Quoted prices (5)                                        
                       -------------------------------------------------------------------------------
ABS                    Market pricing        Quoted prices (5)              99  -     99       99     
                       Consensus pricing     Offered quotes (5)             99  -     99       99     
                       -------------------------------------------------------------------------------
Embedded derivatives:                                                                                 
 Direct and ceded      Option pricing        Mortality rates:                                         
  guaranteed             techniques                                                                   
  minimum                                                                                             
  benefits............                                                                                
                                                 Ages 0 - 40                 0% -   0.10%             
                                                 Ages 41 - 60             0.04% -   0.65%             
                                                 Ages 61 - 115            0.26% -    100%             
                                             Lapse rates:                                             
                                                 Durations 1 - 10         0.50% -    100%             
                                                 Durations 11 -20            3% -    100%             
                                                 Durations 21 -116           3% -    100%             
                                             Utilization rates              20% -     50%             
                                             Withdrawal rates             0.07% -     10%             
                                             Long-term equity                                         
                                               volatilities              17.40% -     25%             
                                             Nonperformance risk                                      
                                               spread                     0.03% -   0.44%             
                       -------------------------------------------------------------------------------
                                                        [Enlarge/Download Table]

                                                                             December 31, 2012           Impact of      
                       --------------------- --------------------------  --------------------------   Increase in Input 
                            Valuation              Significant                             Weighted     on Estimated    
                            Techniques          Unobservable Inputs          Range        Average (1)  Fair Value (2)   
                       --------------------- --------------------------  -------------    ----------- ----------------- 
                                                                                                                        
Fixed maturity securities: (3)                                                                                          
 U.S. corporate and    Matrix pricing        Delta spread                                                               
  foreign corporate...                         adjustments (4)              50  -    100       57        Decrease       
                                             Illiquidity premium (4)        30  -     30       30        Decrease       
                                             Credit spreads (4)             23  -    421      129        Decrease       
                       Consensus pricing     Offered quotes (5)            100  -    102      101        Increase       
                       -------------------------------------------------------------------------------------------------
RMBS                   Matrix pricing and    Credit spreads (4)                                                         
                         discounted cash                                                                                
                         flow                                              161  -    657      541      Decrease (6)     
                       Market pricing        Quoted prices (5)                                         Increase (6)     
                       -------------------------------------------------------------------------------------------------
CMBS                   Market pricing        Quoted prices (5)             100  -    100      100      Increase (6)     
                       -------------------------------------------------------------------------------------------------
ABS                    Market pricing        Quoted prices (5)                                         Increase (6)     
                       Consensus pricing     Offered quotes (5)                                        Increase (6)     
                       -------------------------------------------------------------------------------------------------
Embedded derivatives:                                                                                                   
 Direct and ceded      Option pricing        Mortality rates:                                                           
  guaranteed             techniques                                                                                     
  minimum                                                                                                               
  benefits............                                                                                                  
                                                 Ages 0 - 40                 0% -   0.10%              Decrease (7)     
                                                 Ages 41 - 60             0.05% -   0.64%              Decrease (7)     
                                                 Ages 61 - 115            0.32% -    100%              Decrease (7)     
                                             Lapse rates:                                                               
                                                 Durations 1 - 10         0.50% -    100%              Decrease (8)     
                                                 Durations 11 -20            3% -    100%              Decrease (8)     
                                                 Durations 21 -116           3% -    100%              Decrease (8)     
                                             Utilization rates              20% -     50%              Increase (9)     
                                             Withdrawal rates             0.07% -     10%                      (10)     
                                             Long-term equity                                                           
                                               volatilities              17.40% -     25%              Increase (11)    
                                             Nonperformance risk                                                        
                                               spread                     0.10% -   0.67%              Decrease (12)    
                       -------------------------------------------------------------------------------------------------

--------                                                                        

(1)The weighted average for fixed maturity securities is determined based on    
the estimated fair value of the securities.                               

(2)The impact of a decrease in input would have the opposite impact on the      
  estimated fair value. For embedded derivatives, changes to direct guaranteed
minimum benefits are based on liability positions and changes to ceded    
guaranteed minimum benefits are based on asset positions.                 

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

(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 basis points.                    

(5)Range and weighted average are presented in accordance with the market       
convention for fixed maturity securities of dollars per hundred dollars of
par.                                                                      

(6)Changes in the assumptions used for the probability of default is            
  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.                                                     

(7)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.                

(8)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.                

(9)The utilization rate assumption estimates the percentage of contract holders 
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. 

(10)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.                                               

(11)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.                                                             

(12)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.                                                

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

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 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 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 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:       Equity Securities:                            
                                         ------------------------------------- -----------------                             
                                                                                          Non-                               
                                                                                       redeemable                   Net      
                                           U.S.                 Foreign        Common  Preferred  Short-term     Embedded    
                                         Corporate RMBS  CMBS  Corporate  ABS  Stock     Stock    Investments Derivatives (6)
                                         --------- ----- ----- --------- ----- ------  ---------- ----------- ---------------
                                                                            (In millions)                                    
                                                                                                                             
Year Ended December 31, 2013:                                                                                                
Balance at January 1,...................   $  55   $  14 $  14   $  42   $  -- $  --     $  17       $  --        $  903     
Total realized/unrealized gains                                                                                              
 (losses) included in:                                                                                                       
 Net income (loss): (1), (2)............                                                                                     
  Net investment income.................      --      --    --      --      --    --        --          --            --     
  Net investment gains (losses).........      --      --    --      --      --    --        --          --            --     
  Net derivative gains (losses).........      --      --    --      --      --    --        --          --         (415)     
 OCI....................................      --      --    --       2      --    --         2          --            --     
Purchases (3)...........................       4      13    --      10       7    --        --          --            --     
Sales (3)...............................    (10)      --    --     (9)      --    --        --          --            --     
Issuances (3)...........................      --      --    --      --      --    --        --          --            --     
Settlements (3).........................      --      --    --      --      --    --        --          --            19     
Transfers into Level 3 (4)..............      --      --    --      --      --    --        --          --            --     
Transfers out of Level 3 (4)............    (36)      --  (14)     (1)      --    --        --          --            --     
                                           -----   ----- -----   -----   ----- -----     -----       -----        ------     
Balance at December 31,.................   $  13   $  27 $  --   $  44   $   7 $  --     $  19       $  --        $  507     
                                           =====   ===== =====   =====   ===== =====     =====       =====        ======     
Changes in unrealized gains (losses)                                                                                         
 included in net income (loss): (5)                                                                                          
 Net investment income..................   $  --   $  -- $  --   $  --   $  -- $  --     $  --       $  --        $   --     
 Net investment gains (losses)..........   $  --   $  -- $  --   $  --   $  -- $  --     $  --       $  --        $   --     
 Net derivative gains (losses)..........   $  --   $  -- $  --   $  --   $  -- $  --     $  --       $  --        $(402)     

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                               Fair Value Measurements Using Significant Unobservable Inputs (Level 3)       
                                         ----------------------------------------------------------------------------------- 
                                              Fixed Maturity Securities:       Equity Securities:                            
                                         ------------------------------------- -----------------                             
                                                                                          Non-                               
                                                                                       redeemable                   Net      
                                           U.S.                 Foreign        Common  Preferred  Short-term     Embedded    
                                         Corporate RMBS  CMBS  Corporate  ABS  Stock     Stock    Investments Derivatives (6)
                                         --------- ----- ----- --------- ----- ------  ---------- ----------- ---------------
                                                                            (In millions)                                    
                                                                                                                             
Year Ended December 31, 2012:                                                                                                
Balance at January 1,...................   $  16   $  11 $  --   $   6   $   6 $  19     $  15       $  --        $  580     
Total realized/unrealized gains                                                                                              
 (losses) included in:                                                                                                       
 Net income (loss): (1), (2)............                                                                                     
  Net investment income.................      --      --    --      --      --    --        --          --            --     
  Net investment gains (losses).........      --      --    --      --      --    --        --          --            --     
  Net derivative gains (losses).........      --      --    --      --      --    --        --          --           303     
 OCI....................................       2       3    --      --      --    --         2          --            --     
Purchases (3)...........................      31      --    14      36      --    --        --          --            --     
Sales (3)...............................     (2)      --    --      --     (6)    --        --          --            --     
Issuances (3)...........................      --      --    --      --      --    --        --          --            --     
Settlements (3).........................      --      --    --      --      --    --        --          --            20     
Transfers into Level 3 (4)..............      11      --    --      --      --    --        --          --            --     
Transfers out of Level 3 (4)............     (3)      --    --      --      --  (19)        --          --            --     
                                           -----   ----- -----   -----   ----- -----     -----       -----        ------     
Balance at December 31,.................   $  55   $  14 $  14   $  42   $  -- $  --     $  17       $  --        $  903     
                                           =====   ===== =====   =====   ===== =====     =====       =====        ======     
Changes in unrealized gains (losses)                                                                                         
 included in net income (loss): (5)                                                                                          
 Net investment income..................   $  --   $  -- $  --   $  --   $  -- $  --     $  --       $  --        $   --     
 Net investment gains (losses)..........   $  --   $  -- $  --   $  --   $  -- $  --     $  --       $  --        $   --     
 Net derivative gains (losses)..........   $  --   $  -- $  --   $  --   $  -- $  --     $  --       $  --        $  309     

                                                        [Enlarge/Download Table]

                                             Fair Value Measurements Using Significant Unobservable Inputs (Level 3)       
                                       ----------------------------------------------------------------------------------- 
                                            Fixed Maturity Securities:       Equity Securities:                            
                                       ------------------------------------- -----------------                             
                                                                                        Non-                               
                                                                                     redeemable                   Net      
                                         U.S.                 Foreign        Common  Preferred  Short-term     Embedded    
                                       Corporate RMBS  CMBS  Corporate  ABS  Stock     Stock    Investments Derivatives (6)
                                       --------- ----- ----- --------- ----- ------  ---------- ----------- ---------------
                                                                          (In millions)                                    
                                                                                                                           
Year Ended December 31, 2011:                                                                                              
Balance at January 1,.................   $  22   $  11 $  --   $  25   $  19 $  10     $  15       $   9        $  269     
Total realized/unrealized gains                                                                                            
 (losses) included in:                                                                                                     
 Net income (loss): (1), (2)..........                                                                                     
  Net investment income...............      --      --    --      --      --    --        --          --            --     
  Net investment gains (losses).......      --      --    --     (3)      --    --        --          --            --     
  Net derivative gains (losses).......      --      --    --      --      --    --        --          --           290     
 OCI..................................       1      --    --       2       1    --        --          --            --     
Purchases (3).........................       2      --    --       6       5     9        --          --            --     
Sales (3).............................     (2)      --    --    (17)     (9)    --        --         (9)            --     
Issuances (3).........................      --      --    --      --      --    --        --          --            --     
Settlements (3).......................      --      --    --      --      --    --        --          --            21     
Transfers into Level 3 (4)............      --      --    --      --      --    --        --          --            --     
Transfers out of Level 3 (4)..........     (7)      --    --     (7)    (10)    --        --          --            --     
                                         -----   ----- -----   -----   ----- -----     -----       -----        ------     
Balance at December 31,...............   $  16   $  11 $  --   $   6   $   6 $  19     $  15       $  --        $  580     
                                         =====   ===== =====   =====   ===== =====     =====       =====        ======     
Changes in unrealized gains (losses)                                                                                       
 included in net income (loss): (5)                                                                                        
 Net investment income................   $  --   $  -- $  --   $  --   $  -- $  --     $  --       $  --        $   --     
 Net investment gains (losses)........   $  --   $  -- $  --   $  --   $  -- $  --     $  --       $  --        $   --     
 Net derivative gains (losses)........   $  --   $  -- $  --   $  --   $  -- $  --     $  --       $  --        $  293     

--------                                                                        

(1)Amortization of premium/discount is included within net investment income.   
Impairments charged to net income (loss) on securities are included in net
investment gains (losses). Lapses associated with net embedded derivatives
are included in net derivative gains (losses).                            

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

(2)Interest and dividend accruals, as well as cash interest coupons and         
dividends received, are excluded from the rollforward.                    

(3)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.                                                           

(4)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.                                        

(5)Changes in unrealized gains (losses) included in net income (loss) relate to 
assets and liabilities still held at the end of the respective periods.   

(6)Embedded derivative assets and liabilities are presented net for purposes of 
the rollforward.                                                          

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 and payables for collateral under securities loaned   
and other transactions. The estimated fair value of the excluded financial      
instruments, which are primarily classified in Level 2 and, to a lesser extent, 
in Level 1, 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  
table 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, 2013                      
                                 -------------------------------------------------------------
                                                  Fair Value Hierarchy                        
                                    -      -----------------------------------                
                                 Carrying                                      Total Estimated
                                  Value        Level 1     Level 2     Level 3   Fair Value   
                                 --------- ----------- ----------- ----------- ---------------
                                                         (In millions)                        
                                                                                              
Assets                                                                                        
Mortgage loans.................. $     286  $     --     $    --    $     303     $    303    
Policy loans.................... $      27  $     --     $     3    $      39     $     42    
Other limited partnership                                                                     
 interests...................... $       1  $     --     $    --    $       1     $      1    
Other invested assets........... $      45  $     --     $    50    $      --     $     50    
Premiums, reinsurance and other                                                               
 receivables.................... $   1,258  $     --     $    --    $   1,359     $  1,359    
Other assets.................... $       5  $     --     $     5    $      --     $      5    
Liabilities                                                                                   
PABs............................ $   2,293  $     --     $    --    $   2,501     $  2,501    
Other liabilities............... $       1  $     --     $     1    $      --     $      1    

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                                       December 31, 2012                      
                                 -------------------------------------------------------------
                                                  Fair Value Hierarchy                        
                                           -----------------------------------                
                                 Carrying                                      Total Estimated
                                  Value        Level 1     Level 2     Level 3   Fair Value   
                                 --------- ----------- ----------- ----------- ---------------
                                                         (In millions)                        
                                                                                              
Assets                                                                                        
Mortgage loans.................. $     284  $     --     $    --    $     307     $     307   
Policy loans.................... $      27  $     --     $     2    $      46     $      48   
Other limited partnership                                                                     
 interests...................... $       1  $     --     $    --    $       2     $       2   
Other invested assets........... $      45  $     --     $    57    $      --     $      57   
Premiums, reinsurance and other                                                               
 receivables.................... $   1,364  $     --     $    --    $   1,527     $   1,527   
Other assets.................... $       6  $     --     $     6    $      --     $       6   
Liabilities                                                                                   
PABs............................ $   2,431  $     --     $    --    $   2,788     $   2,788   
Other liabilities............... $       3  $     --     $     3    $      --     $       3   

 The methods, assumptions and significant valuation techniques and inputs used
to estimate the fair value of financial instruments are summarized as follows:  

Mortgage Loans                                                                

For mortgage loans, estimated fair value 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 in 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.                                                    

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

7. Fair Value (continued)                                                       

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.                                                                   

Premiums, Reinsurance and Other Receivables                                   

Premiums, reinsurance and other receivables are principally comprised of  
certain amounts recoverable under reinsurance agreements.                     

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.                                                                 

Other Assets                                                                  

Other assets are comprised of a receivable for the reimbursable portion of
the estimated future guaranty liability that pertains to pre-acquisition      
business. With the exception of the receivable, other assets are not          
considered financial instruments subject to disclosure. Accordingly, the      
amount represents the receivable from an unaffiliated institution for which   
the estimated fair value was determined by discounting the expected future    
cash flows using a discount rate that reflects the credit standing of the     
unaffiliated institution.                                                     

PABs                                                                          

 These PABs include investment contracts. Embedded derivatives on investment
contracts and certain variable annuity guarantees accounted for as embedded   
derivatives are excluded from this caption in the preceding tables as they are
separately presented in "-- Recurring Fair Value Measurements."               

The investment contracts primarily include fixed deferred annuities and   
fixed term payout annuities. 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.                                                                    

Other Liabilities                                                             

Other liabilities consist of derivative payables and amounts due for      
securities purchased but not yet settled. 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.                                                                       

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

8. Equity                                                                       

Statutory Equity and Income                                                     

Each U.S. insurance company's state of domicile 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"). Companies below specific      
trigger points or ratios are classified within certain levels, each of which    
requires specified corrective action. The minimum level of TAC before           
corrective action commences is twice ACL RBC ("Company Action RBC"). The RBC    
ratio for the Company was in excess of 1,400% for all periods presented.        

The Company prepares statutory-basis financial statements in accordance with
statutory accounting practices prescribed or permitted by the insurance         
department of its 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 state insurance departments may impact the effect of Statutory 
Codification on the statutory capital and surplus of the 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 of reinsurance     
agreements and valuing securities on a different basis.                         

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.        

 Statutory net income (loss) of the Company, a Missouri domiciled insurer, was
$111 million, $132 million and $94 million for the years ended December 31,     
2013, 2012 and 2011, respectively. Statutory capital and surplus was $666       
million and $704 million at December 31, 2013 and 2012, respectively. All such  
amounts are derived from the statutory-basis financial statements as filed with 
the Missouri State Department of Insurance.                                     

Dividend Restrictions                                                           

Under Missouri State Insurance Law, MLIIC is permitted, without prior       
insurance regulatory clearance, to pay a stockholder dividend to MetLife as     
long as the amount of the dividend when aggregated with all other dividends in  
the preceding 12 months does not exceed 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 net realized capital gains). MLIIC will be permitted   
to pay a dividend to MetLife in excess of the greater of such two amounts only  
if it files notice of the declaration of such a dividend and the amount thereof 
with the Missouri Director of Insurance (the "Missouri Director") and the       
Missouri Director either approves the distribution of the dividend or does not  
disapprove the distribution within 30 days of its filing. In addition, any      
dividend that exceeds earned surplus (defined by the Company as "unassigned     
funds (surplus)") as of the last filed annual statutory statement requires      
insurance regulatory approval. Under Missouri State Insurance Law, the Missouri 
Director has broad discretion in determining                                    

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

8. Equity (continued)                                                           

whether the financial condition of a stock life insurance company would support 
the payment of such dividends to its stockholders. During the years ended       
December 31, 2013 and 2012, MLIIC paid a dividend to MetLife of $129 million    
and $18 million, respectively. During the year ended December 31, 2011, MLIIC   
did not pay a dividend to MetLife. Based on amounts at December 31, 2013, MLIIC 
could pay a stockholder dividend in 2014 of $99 million without prior           
regulatory approval of the Missouri Director.                                   

Accumulated Other Comprehensive Income (Loss)                                   

Information regarding changes in the balances of each component of AOCI, net
of income tax, was as follows:                                                  

                                                        [Enlarge/Download Table]

                                                        Unrealized                            
                                                     Investment Gains     Unrealized          
                                                     (Losses), Net of   Gains (Losses)        
                                                    Related Offsets (1) on Derivatives  Total 
                                                    ------------------- -------------- -------
                                                                  (In millions)               
                                                                                              
Balance at December 31, 2010.......................       $    19          $     1     $    20
OCI before reclassifications.......................            19               --          19
Income tax expense (benefit).......................           (7)               --         (7)
                                                          -------          -------     -------
 OCI before reclassifications, net of income tax...            31                1          32
Amounts reclassified from AOCI.....................             4               --           4
Income tax expense (benefit).......................           (1)               --         (1)
                                                          -------          -------     -------
 Amounts reclassified from AOCI, net of income tax.             3               --           3
                                                          -------          -------     -------
Balance at December 31, 2011.......................            34                1          35
OCI before reclassifications.......................            61              (1)          60
Income tax expense (benefit).......................          (21)               --        (21)
                                                          -------          -------     -------
 OCI before reclassifications, net of income tax...            74               --          74
Amounts reclassified from AOCI.....................             3               --           3
Income tax expense (benefit).......................           (1)               --         (1)
                                                          -------          -------     -------
 Amounts reclassified from AOCI, net of income tax.             2               --           2
                                                          -------          -------     -------
Balance at December 31, 2012.......................            76               --          76
OCI before reclassifications.......................          (78)              (2)        (80)
Income tax expense (benefit).......................            27                1          28
                                                          -------          -------     -------
 OCI before reclassifications, net of income tax...            25              (1)          24
Amounts reclassified from AOCI.....................           (2)               --         (2)
Income tax expense (benefit).......................             1               --           1
                                                          -------          -------     -------
 Amounts reclassified from AOCI, net of income tax.           (1)               --         (1)
                                                          -------          -------     -------
Balance at December 31, 2013.......................       $    24          $   (1)     $    23
                                                          =======          =======     =======

--------                                                                        
(1)See Note 5 for information on offsets to investments related to insurance    
liabilities and DAC and VOBA.                                             

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

8. Equity (continued)                                                           

 Information regarding amounts reclassified out of each component of AOCI, was
as follows:                                                                     

                                                        [Enlarge/Download Table]

                                                                                          Statement of Operations and     
AOCI Components                                        Amounts Reclassified from AOCI Comprehensive Income (Loss) Location
----------------------------------------------------   ------------------------------ ------------------------------------
                                                        Years Ended December 31,                                          
                                                       ------------------------------                                     
                                                         2013       2012      2011                                        
                                                        --------  --------  --------                                      
                                                             (In millions)                                                
                                                                                                                          
Net unrealized investment gains (losses):                                                                                 
  Net unrealized investment gains (losses)............ $      1   $    (5)  $    (5)  Other net investment gains (losses) 
  Net unrealized investment gains (losses)............        1          2         1  Net investment income               
                                                        --------  --------  --------                                      
   Net unrealized investment gains (losses), before                                                                       
    income tax........................................        2        (3)       (4)                                      
   Income tax (expense) benefit.......................      (1)          1         1                                      
                                                        --------  --------  --------                                      
   Net unrealized investment gains (losses), net of                                                                       
    income tax........................................ $      1   $    (2)  $    (3)                                      
                                                        ========  ========  ========                                      
Total reclassifications, net of income tax............ $      1   $    (2)  $    (3)                                      
                                                        ========  ========  ========                                      

9. Other Expenses                                                               

Information on other expenses was as follows:                               

                                                                [Download Table]

                                  Years Ended December 31,
                                  ------------------------
                                   2013     2012    2011  
                                  -----    -----   -----  
                                    (In millions)         
                                                          
Compensation..................... $   5    $   9   $  10  
Commissions......................    50       57      68  
Volume-related costs.............    --        3       7  
Capitalization of DAC............   (6)     (19)    (34)  
Amortization of DAC and VOBA.....  (89)      148     172  
Premium taxes, licenses and fees.     3        1       6  
Other............................    26       30      30  
                                   -----    -----   ----- 
  Total other expenses........... $(11)    $ 229   $ 259  
                                   =====    =====   ===== 

Capitalization and Amortization of DAC and VOBA                                 

See Note 3 for additional information on DAC and VOBA including impacts of  
capitalization and amortization.                                                

Affiliated Expenses                                                             

  See Note 12 for discussion of affiliated expenses included in the table above.

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

10. Income Tax                                                                  

The provision for income tax was as follows:                              

                                                                [Download Table]

                                               Years Ended December 31,
                                               ------------------------
                                                 2013     2012    2011 
                                                -------  -----   ----- 
                                                  (In millions)        
                                                                       
Current:                                                               
 Federal...................................... $    38   $   8   $  24 
Deferred:                                                              
 Federal......................................   (105)      86      66 
                                                -------   -----  ----- 
   Provision for income tax expense (benefit). $  (67)   $  94   $  90 
                                                =======   =====  ===== 

  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,
                                            ------------------------
                                              2013     2012    2011 
                                             -------  -----   ----- 
                                               (In millions)        
                                                                    
Tax provision at U.S. statutory rate....... $  (55)   $ 103   $ 107 
Tax effect of:                                                      
 Dividend received deduction...............    (12)    (11)    (13) 
 Prior year tax............................     (2)       3     (2) 
 Tax credits...............................     (1)     (1)     (2) 
 Other, net................................       3      --      -- 
                                             -------   -----  ----- 
Provision for income tax expense (benefit). $  (67)   $  94   $  90 
                                             =======   =====  ===== 

  Deferred income tax represents the tax effect of the differences between the
book and tax basis of assets and liabilities. Net deferred income tax assets  
and liabilities consisted of the following at:                                

                                                                [Download Table]

                                                    December 31,   
                                                  -----------------
                                                    2013     2012  
                                                  -------- --------
                                                    (In millions)  
                                                                   
Deferred income tax assets:                                        
 Investments, including derivatives.............. $      9 $     --
 Tax credit carryforwards........................        5       --
 Other, net......................................        2         
                                                  -------- --------
   Total deferred income tax assets..............       16       --
Deferred income tax liabilities:                                   
 Policyholder liabilities and receivables........      110      234
 DAC and VOBA....................................       86       33
 Net unrealized investment gains.................       11       40
 Investments, including derivatives..............       --       18
 Other...........................................        1        1
                                                  -------- --------
   Total deferred income tax liabilities.........      208      326
                                                  -------- --------
     Net deferred income tax asset (liability)... $  (192) $  (326)
                                                  ======== ========

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

10. Income Tax (continued)                                                      

Tax credit carryforwards of $5 million at December 31, 2013 will expire   
beginning in 2021.                                                            

The Company participates in a tax sharing agreement with MetLife, as      
described in Note 1. Pursuant to this tax sharing agreement, the amounts due  
from affiliates include $18 million and $8 million at December 31, 2013 and   
2012, respectively. The amounts due to affiliates include $8 million at       
December 31, 2011.                                                            

The Company files income tax returns with the U.S. federal government and 
various state and local 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. The Company is no    
longer subject to U.S. federal, state or local income tax examinations in     
major taxing jurisdictions for years prior to 2006. The IRS audit cycle for   
the year 2006, which began in April 2010, is expected to conclude in 2014.    

It is not expected that there will be a material change in the Company's  
liability for unrecognized tax benefits in the next 12 months.                

A reconciliation of the beginning and ending amount of unrecognized tax   
benefits was as follows:                                                      

                                                        [Enlarge/Download Table]

                                                                                  Year Ended    
                                                                               December 31, 2013
                                                                               -----------------
                                                                                 (In millions)  
                                                                                                
Balance at January 1,.........................................................     $     --     
Additions for tax positions of prior years....................................            3     
                                                                                   --------     
Balance at December 31,.......................................................     $      3     
                                                                                   ========     
Unrecognized tax benefits that, if recognized would impact the effective rate.     $      3     
                                                                                   ========     

There were no unrecognized tax benefits at December 31, 2012 and 2011.    

  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:                                                  

                                                                [Download Table]

                                                                 Year Ended    
                                                              December 31, 2013
                                                              -----------------
                                                                (In millions)  
                                                                               
Interest recognized in the statements of operations..........     $      1     

                                                              December 31, 2013
                                                              -----------------
                                                                (In millions)  
Interest included in other liabilities in the balance sheets.     $      1     

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

10. Income Tax (continued)                                                      

There was no interest recognized in the statements of operations for the  
years ended December 31, 2012 and 2011. There was no interest included in     
other liabilities in the balance sheets at December 31, 2012.                 

  The Company had no penalties for the years ended December 31, 2013, 2012 and
2011.                                                                         

 The U.S. Treasury Department and the IRS have indicated that they intend to
address through regulations the methodology to be followed in determining the 
dividends received deduction ("DRD"), related to variable life insurance and  
annuity contracts. The DRD reduces the amount of dividend income subject to   
tax and is a significant component of the difference between the actual tax   
expense and expected amount determined using the federal statutory tax rate of
35%. Any regulations that the IRS ultimately proposes for issuance in this    
area will be subject to public notice and comment, at which time insurance    
companies and other interested parties will have the opportunity to raise     
legal and practical questions about the content, scope and application of such
regulations. As a result, the ultimate timing and substance of any such       
regulations are unknown at this time. For the years ended December 31, 2013   
and 2012, the Company recognized an income tax benefit of $14 million and $8  
million, respectively, related to the separate account DRD. The 2013 benefit  
included a benefit of $2 million related to a true-up of the 2012 tax return. 
The 2012 benefit included an expense of $3 million related to a true-up of the
2011 tax return.                                                              

11. Contingencies, Commitments and Guarantees                                   

Contingencies                                                                   

Litigation                                                                    

Unclaimed Property Inquiries                                                

  In April 2012, MetLife, for itself and on behalf of entities including the
Company, reached agreements with representatives of the U.S. jurisdictions  
that were conducting audits of MetLife and certain of its affiliates for    
compliance with unclaimed property laws, and with state insurance regulators
directly involved in a multistate targeted market conduct examination       
relating to claim-payment practices and compliance with unclaimed property  
laws. At least one other jurisdiction is pursuing a market conduct          
examination. It is possible that other jurisdictions may pursue similar     
examinations or audits and that such actions may result in additional       
payments to beneficiaries, additional escheatment of funds deemed abandoned 
under state laws, administrative penalties, interest, and/or further changes
to the Company's procedures. The Company is not currently able to estimate  
these additional possible costs.                                            

Sales Practices Claims                                                      

Over the past several years, the Company has faced claims and regulatory
inquiries and investigations, alleging improper marketing or sales of       
individual life insurance policies, annuities, mutual funds or other        
products. The Company continues to vigorously defend against the claims in  
these matters. The Company believes adequate provision has been made in its 
financial statements for all probable and reasonably estimable losses for   
sales practices matters.                                                    

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

11. Contingencies, Commitments and Guarantees (continued)                       

Summary                                                                     

   Various litigation, claims and assessments against the Company, have arisen
in the course of the Company's business, including, but not limited to, in  
connection with its activities as an insurer, employer, investor, investment
advisor, 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, 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 net income or cash flows in particular     
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. Assets and liabilities held for insolvency assessments were as   
follows:                                                                      

                                                                [Download Table]

                                                          December 31,  
                                                         ---------------
                                                          2013    2012  
                                                         ------- -------
                                                          (In millions) 
                                                                        
Other Assets:                                                           
 Premium tax offset for future undiscounted assessments. $     1 $     1
 Receivable for reimbursement of paid assessments (1)...       5       6
                                                         ------- -------
                                                         $     6 $     7
                                                         ======= =======
Other Liabilities:                                                      
 Insolvency assessments................................. $     6 $     8
                                                         ======= =======

--------                                                                        

(1)The Company holds a receivable from the seller of a prior acquisition in     
accordance with the purchase agreement.                                   

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

11. Contingencies, Commitments and Guarantees (continued)                       

Commitments                                                                     

Commitments to Fund Partnership Investments                                   

 The Company makes commitments to fund partnership investments in the normal
course of business. The amounts of these unfunded commitments were $7 million 
and $9 million at December 31, 2013 and 2012, respectively. The Company       
anticipates that these amounts will be invested in partnerships over the next 
five years.                                                                   

Mortgage Loan Commitments                                                     

The Company commits to lend funds under mortgage loan commitments. The    
amounts of these mortgage loan commitments were $6 million and $1 million at  
December 31, 2013 and 2012, respectively.                                     

Commitments to Fund Private Corporate Bond Investments                        

 The Company commits to lend funds under private corporate bond investments.
The amounts of these unfunded commitments were $14 million and $13 million at 
December 31, 2013 and 2012, respectively.                                     

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, 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 had no liability for indemnities, guarantees and commitments at 
both December 31, 2013 and 2012.                                                

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MetLife Investors Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Financial Statements -- (Continued)  

12. 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 management, policy administrative functions, personnel,      
investment advice 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 incidence of cost        
incurred by the Company and/or affiliate. Expenses incurred with affiliates     
related to these agreements, recorded in other expenses, were $78 million, $53  
million and $76 million for the years ended December 31, 2013, 2012 and 2011,   
respectively. Revenues received from affiliates related to these agreements,    
recorded in universal life and investment-type product policy fees, were $38    
million, $34 million and $32 million for the years ended December 31, 2013,     
2012 and 2011, respectively. Revenues received from affiliates related to these 
agreements, recorded in fees on ceded reinsurance and other, were $25 million,  
$24 million and $26 million for the years ended December 31, 2013, 2012 and     
2011, respectively.                                                             

The Company had net receivables from affiliates, related to the items       
discussed above, of $4 million and $2 million at December 31, 2013 and 2012,    
respectively.                                                                   

See Notes 4 and 5 for additional information on related party transactions. 

13. Subsequent Event                                                            

The Company has evaluated events subsequent to December 31, 2013, through   
March 31, 2014, which is the date these financial statements were available to  
be issued, and has determined there are no material subsequent events requiring 
adjustment to or disclosure in the financial statements.                        

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EXETER REASSURANCE COMPANY, LTD.  

FINANCIAL STATEMENTS  

AS OF DECEMBER 31, 2013 AND 2012 AND FOR THE YEARS ENDED  
DECEMBER 31, 2013, 2012 AND 2011 (AS RESTATED)  
AND INDEPENDENT AUDITORS' REPORT  

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INDEPENDENT AUDITORS' REPORT  

To the Board of Directors and Stockholder of                                    
Exeter Reassurance Company, Ltd.:                                               

We have audited the accompanying financial statements of Exeter Reassurance     
Company, Ltd. (a wholly-owned subsidiary of MetLife, Inc.) (the "Company"),     
which comprise the balance sheets as of December 31, 2013 and 2012, and the     
related statements of operations, comprehensive income (loss), stockholder's    
equity, and cash flows for each of the three years in the period ended December 
31, 2013, and the related notes to the financial statements.                    

MANAGEMENT'S RESPONSIBILITY FOR THE FINANCIAL STATEMENTS                        

Management is responsible for the preparation and fair presentation of these    
financial statements in accordance with accounting principles generally         
accepted in the United States of America; this includes the design,             
implementation, and maintenance of internal control relevant to the preparation 
and fair presentation of financial statements that are free from material       
misstatement, whether due to fraud or error.                                    

AUDITORS' RESPONSIBILITY                                                        

Our responsibility is to express an opinion on these financial statements based 
on our audits. We conducted our audits in accordance with auditing standards    
generally accepted in the United States of America. Those standards require     
that we plan and perform the audit to obtain reasonable assurance about whether 
the financial statements are free from material misstatement.                   

An audit involves performing procedures to obtain audit evidence about the      
amounts and disclosures in the financial statements. The procedures selected    
depend on the auditor's judgment, including the assessment of the risks of      
material misstatement of the financial statements, whether due to fraud or      
error. In making those risk assessments, the auditor considers internal control 
relevant to the Company's preparation and fair presentation of the financial    
statements in order to design audit procedures that are appropriate in the      
circumstances, but not for the purpose of expressing an opinion on the          
effectiveness of the Company's internal control. Accordingly, we express no     
such opinion. An audit also includes evaluating the appropriateness of          
accounting policies used and the reasonableness of significant accounting       
estimates made by management, as well as evaluating the overall presentation of 
the financial statements.                                                       

We believe that the audit evidence we have obtained is sufficient and           
appropriate to provide a basis for our audit opinion.                           

OPINION                                                                         

In our opinion, the financial statements referred to above present fairly, in   
all material respects, the financial position of Exeter Reassurance Company,    
Ltd. as of December 31, 2013 and 2012, and the results of its operations and    
its cash flows for each of the three years in the period ended December 31,     
2013, in accordance with accounting principles generally accepted in the United 
States of America.                                                              

EMPHASIS OF MATTER                                                              

As discussed in Note 1 to the financial statements, the accompanying financial  
statements have been restated to correct misstatements on the 2013, 2012 and    
2011 statements of cash flows. Our opinion is not modified with respect to this 
matter.                                                                         

OTHER MATTERS                                                                   

In our report dated April 2, 2014 on the previously issued 2012 financial       
statements filed with the Cayman Islands Monetary Authority ("CIMA"), we        
expressed an opinion that the Company's 2012 balance sheet did not fairly       
present insurance liabilities and, accordingly, did not conform to the          
presentation required under accounting principles generally accepted in the     
United States of America. That presentation was based on practices prescribed   
or permitted by CIMA. As noted in Note 1, in these general purpose financial    
statements, the Company has changed its presentation of insurance liabilities   
to conform to accounting principles generally accepted in the United States of  
America. Accordingly, our present opinion on the 2012 financial statements, as  
presented herein, is different from that expressed in our previous report.      

In addition, results of the Company may not be indicative of those of a         
stand-alone entity, as the Company is a member of a controlled group of         
affiliated companies.                                                           

/s/ DELOITTE & TOUCHE LLP                                                       
Certified Public Accountants                                                    
Princeton, New Jersey                                                           
April 2, 2014                                                                   
(October 27, 2014 as to Note 1 related to the restatements and November 7, 2014 
as to Note 14)                                                                  

F-1 

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EXETER REASSURANCE COMPANY, LTD.  

BALANCE SHEETS  
DECEMBER 31, 2013 AND 2012  

(IN THOUSANDS, EXCEPT SHARE AND PER SHARE DATA) 

                                                        [Enlarge/Download Table]

                                                                                                           2013      
                                                                                                      ---------------
                                                                                                                     
ASSETS                                                                                                               
Investments:                                                                                                         
  Fixed maturity securities available-for-sale, at estimated fair value (amortized cost: $1,311,922                  
   and $1,719,913, respectively)..................................................................... $     1,321,081
  Short-term investments, at estimated fair value....................................................       2,781,282
  Derivative assets..................................................................................       2,375,499
  Funds withheld at interest.........................................................................       2,694,267
                                                                                                      ---------------
   Total investments.................................................................................       9,172,129
Cash and cash equivalents............................................................................         629,616
Accrued investment income............................................................................          94,238
Premiums, reinsurance and other receivables..........................................................         645,814
Deferred policy acquisition costs....................................................................         159,820
Current income tax recoverable.......................................................................         196,592
Deferred income tax recoverable......................................................................       1,529,464
                                                                                                      ---------------
   Total assets...................................................................................... $    12,427,673
                                                                                                      ===============
LIABILITIES AND STOCKHOLDER'S EQUITY                                                                                 
LIABILITIES                                                                                                          
Future policy benefits............................................................................... $     2,747,421
Policyholder account balances........................................................................       2,488,945
Other policy-related balances........................................................................       2,170,145
Policyholder dividends payable.......................................................................          16,256
Debt -- affiliated...................................................................................         575,118
Derivative liabilities...............................................................................       2,648,454
Other liabilities....................................................................................         551,170
                                                                                                      ---------------
   Total liabilities.................................................................................      11,197,509
                                                                                                      ---------------
CONTINGENCIES AND COMMITMENTS (NOTE 12)                                                                              
STOCKHOLDER'S EQUITY                                                                                                 
Preferred stock, par value $.01 per share; 250,000 shares authorized, 200,000 issued and                             
 outstanding at December 31, 2013; par value $1.00 per share; 200,000 shares authorized, issued                      
 and outstanding at December 31, 2012; $2,000,000 aggregate liquidation preference at                                
 December 31, 2013 and 2012..........................................................................               2
Common stock, par value $.01 per share; 13,875,000 shares authorized, 13,466,000 issued and                          
 outstanding at December 31, 2013; par value $1.00 per share; 14,125,000 shares authorized,                          
 13,466,000 shares issued and outstanding at December 31, 2012.......................................             135
Additional paid-in capital...........................................................................       4,125,653
Retained earnings (accumulated deficit)..............................................................     (2,964,638)
Accumulated other comprehensive income (loss)........................................................          69,012
                                                                                                      ---------------
   Total stockholder's equity........................................................................       1,230,164
                                                                                                      ---------------
   Total liabilities and stockholder's equity........................................................ $    12,427,673
                                                                                                      ===============
                                                        [Enlarge/Download Table]

                                                                                                           2012      
                                                                                                      ---------------
                                                                                                                     
ASSETS                                                                                                               
Investments:                                                                                                         
  Fixed maturity securities available-for-sale, at estimated fair value (amortized cost: $1,311,922                  
   and $1,719,913, respectively)..................................................................... $     1,785,619
  Short-term investments, at estimated fair value....................................................       4,307,652
  Derivative assets..................................................................................       4,652,428
  Funds withheld at interest.........................................................................       2,436,815
                                                                                                      ---------------
   Total investments.................................................................................      13,182,514
Cash and cash equivalents............................................................................         905,519
Accrued investment income............................................................................          93,501
Premiums, reinsurance and other receivables..........................................................         775,433
Deferred policy acquisition costs....................................................................         136,661
Current income tax recoverable.......................................................................         261,720
Deferred income tax recoverable......................................................................       2,267,071
                                                                                                      ---------------
   Total assets...................................................................................... $    17,622,419
                                                                                                      ===============
LIABILITIES AND STOCKHOLDER'S EQUITY                                                                                 
LIABILITIES                                                                                                          
Future policy benefits............................................................................... $     2,735,580
Policyholder account balances........................................................................       8,831,285
Other policy-related balances........................................................................       1,896,818
Policyholder dividends payable.......................................................................          17,438
Debt -- affiliated...................................................................................          75,118
Derivative liabilities...............................................................................       1,665,997
Other liabilities....................................................................................       1,726,141
                                                                                                      ---------------
   Total liabilities.................................................................................      16,948,377
                                                                                                      ---------------
CONTINGENCIES AND COMMITMENTS (NOTE 12)                                                                              
STOCKHOLDER'S EQUITY                                                                                                 
Preferred stock, par value $.01 per share; 250,000 shares authorized, 200,000 issued and                             
 outstanding at December 31, 2013; par value $1.00 per share; 200,000 shares authorized, issued                      
 and outstanding at December 31, 2012; $2,000,000 aggregate liquidation preference at                                
 December 31, 2013 and 2012..........................................................................             200
Common stock, par value $.01 per share; 13,875,000 shares authorized, 13,466,000 issued and                          
 outstanding at December 31, 2013; par value $1.00 per share; 14,125,000 shares authorized,                          
 13,466,000 shares issued and outstanding at December 31, 2012.......................................          13,466
Additional paid-in capital...........................................................................       4,085,299
Retained earnings (accumulated deficit)..............................................................     (3,504,200)
Accumulated other comprehensive income (loss)........................................................          79,277
                                                                                                      ---------------
   Total stockholder's equity........................................................................         674,042
                                                                                                      ---------------
   Total liabilities and stockholder's equity........................................................ $    17,622,419
                                                                                                      ===============

SEE ACCOMPANYING NOTES TO THE FINANCIAL STATEMENTS. 

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EXETER REASSURANCE COMPANY, LTD.  

STATEMENTS OF OPERATIONS  
FOR THE YEARS ENDED DECEMBER 31, 2013, 2012 AND 2011  

(IN THOUSANDS)  

                                                        [Enlarge/Download Table]

                                                            2013           2012          2011    
                                                        ------------- --------------- -----------
                                                                                                 
REVENUES                                                                                         
Premiums............................................... $      59,372 $       949,827 $    71,518
Universal life and investment-type product policy fees.       586,571         548,425     432,722
Net investment income..................................        35,423          20,695      17,238
Net investment gains (losses)..........................      (56,581)          41,793     (1,086)
Net derivative gains (losses)..........................     1,935,248     (3,676,589)     230,434
Other revenues.........................................         1,395          22,916      43,740
                                                        ------------- --------------- -----------
   Total revenues......................................     2,561,428     (2,092,933)     794,566
                                                        ------------- --------------- -----------
EXPENSES                                                                                         
Policyholder benefits and claims.......................     1,379,886       1,811,746     309,339
Interest credited to policyholder account balances.....        17,399          16,598      15,831
Policyholder dividends.................................        26,675          30,279      30,722
Other expenses.........................................       101,207         206,841     169,883
                                                        ------------- --------------- -----------
   Total expenses......................................     1,525,167       2,065,464     525,775
                                                        ------------- --------------- -----------
Income (loss) before provision for income tax..........     1,036,261     (4,158,397)     268,791
Provision for income tax expense (benefit).............       364,215     (1,455,499)      94,077
                                                        ------------- --------------- -----------
Net income (loss)...................................... $     672,046 $   (2,702,898) $   174,714
                                                        ============= =============== ===========

SEE ACCOMPANYING NOTES TO THE FINANCIAL STATEMENTS. 

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EXETER REASSURANCE COMPANY, LTD.  

STATEMENTS OF COMPREHENSIVE INCOME (LOSS) 
FOR THE YEARS ENDED DECEMBER 31, 2013, 2012 AND 2011  

(IN THOUSANDS)  

                                                        [Enlarge/Download Table]

                                                             2013           2012           2011    
                                                         ------------ ---------------- ------------
                                                                                                   
Net income (loss)....................................... $    672,046 $    (2,702,898) $    174,714
Other comprehensive income (loss):                                                                 
 Unrealized investment gains (losses), net of related                                              
   offsets..............................................     (56,634)           25,017       35,549
 Foreign currency translation adjustments...............       26,548           13,028     (15,751)
                                                         ------------ ---------------- ------------
 Other comprehensive income (loss), before income tax...     (30,086)           38,045       19,798
 Income tax (expense) benefit related to items of other                                            
   comprehensive income (loss)..........................       19,821          (8,756)     (12,442)
                                                         ------------ ---------------- ------------
 Other comprehensive income (loss), net of income tax...     (10,265)           29,289        7,356
                                                         ------------ ---------------- ------------
Comprehensive income (loss)............................. $    661,781 $    (2,673,609) $    182,070
                                                         ============ ================ ============

SEE ACCOMPANYING NOTES TO THE FINANCIAL STATEMENTS. 

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EXETER REASSURANCE COMPANY, LTD.  

STATEMENTS OF STOCKHOLDER'S EQUITY  
FOR THE YEARS ENDED DECEMBER 31, 2013, 2012 AND 2011  

(IN THOUSANDS)  

                                                        [Enlarge/Download Table]


                                                                                                  RETAINED   
                                                                                   ADDITIONAL     EARNINGS   
                                                             PREFERRED   COMMON     PAID-IN     (ACCUMULATED 
                                                              STOCK      STOCK      CAPITAL       DEFICIT)   
                                                            ---------- ---------- ------------ --------------
                                                                                                             
Balance at December 31, 2010...............................  $     --  $   13,466 $    548,218 $    (976,016)
Capital contribution from MetLife, Inc. (Note 9)...........                            703,860               
Comprehensive income (loss):                                                                                 
Net income (loss)..........................................                                           174,714
Other comprehensive income (loss), net of income tax.......                                                  
                                                             --------  ---------- ------------ --------------
Balance at December 31, 2011...............................        --      13,466    1,252,078      (801,302)
                                                             --------  ---------- ------------ --------------
Capital contribution from MetLife, Inc. (Note 9)...........                            833,421               
Non-cumulative perpetual preferred stock issuance -- newly                                                   
 issued shares (Note 9)....................................       200                1,999,800               
Comprehensive income (loss):                                                                                 
Net income (loss)..........................................                                       (2,702,898)
Other comprehensive income (loss), net of income tax.......                                                  
                                                             --------  ---------- ------------ --------------
Balance at December 31, 2012...............................       200      13,466    4,085,299    (3,504,200)
                                                             --------  ---------- ------------ --------------
Capital contribution from MetLife, Inc. (Note 9)...........                             26,825               
Change in preferred and common stock par value                                                               
 (Note 9)..................................................     (198)    (13,331)       13,529               
Dividends on perpetual preferred stock.....................                                         (132,484)
Comprehensive income (loss):                                                                                 
Net income (loss)..........................................                                           672,046
Other comprehensive income (loss), net of income tax.......                                                  
                                                             --------  ---------- ------------ --------------
Balance at December 31, 2013...............................  $      2  $      135 $  4,125,653 $  (2,964,638)
                                                             ========  ========== ============ ==============
                                                        [Enlarge/Download Table]

                                                                  ACCUMULATED OTHER                            
                                                             COMPREHENSIVE INCOME (LOSS)                       
                                                            -----------------------------                      
                                                                  NET         FOREIGN                          
                                                              UNREALIZED      CURRENCY                         
                                                              INVESTMENT    TRANSLATION           TOTAL        
                                                             GAINS (LOSSES)  ADJUSTMENTS   STOCKHOLDER'S EQUITY
                                                            --------------- ------------- ---------------------
                                                                                                               
Balance at December 31, 2010...............................  $      3,341   $      39,291     $  (371,700)     
Capital contribution from MetLife, Inc. (Note 9)...........                                        703,860     
Comprehensive income (loss):                                                                                   
Net income (loss)..........................................                                        174,714     
Other comprehensive income (loss), net of income tax.......        23,107        (15,751)            7,356     
                                                             ------------   -------------     ------------     
Balance at December 31, 2011...............................        26,448          23,540          514,230     
                                                             ------------   -------------     ------------     
Capital contribution from MetLife, Inc. (Note 9)...........                                        833,421     
Non-cumulative perpetual preferred stock issuance -- newly                                                     
 issued shares (Note 9)....................................                                      2,000,000     
Comprehensive income (loss):                                                                                   
Net income (loss)..........................................                                    (2,702,898)     
Other comprehensive income (loss), net of income tax.......        16,261          13,028           29,289     
                                                             ------------   -------------     ------------     
Balance at December 31, 2012...............................        42,709          36,568          674,042     
                                                             ------------   -------------     ------------     
Capital contribution from MetLife, Inc. (Note 9)...........                                         26,825     
Change in preferred and common stock par value                                                                 
 (Note 9)..................................................                                             --     
Dividends on perpetual preferred stock.....................                                      (132,484)     
Comprehensive income (loss):                                                                                   
Net income (loss)..........................................                                        672,046     
Other comprehensive income (loss), net of income tax.......      (36,813)          26,548         (10,265)     
                                                             ------------   -------------     ------------     
Balance at December 31, 2013...............................  $      5,896   $      63,116     $  1,230,164     
                                                             ============   =============     ============     

SEE ACCOMPANYING NOTES TO THE FINANCIAL STATEMENTS. 

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EXETER REASSURANCE COMPANY, LTD.  

STATEMENTS OF CASH FLOWS  
FOR THE YEARS ENDED DECEMBER 31, 2013, 2012 AND 2011  

(IN THOUSANDS)  

                                                        [Enlarge/Download Table]

                                                                                               2013           2012      
                                                                                           -------------- --------------
                                                                                            AS RESTATED    AS RESTATED  
                                                                                            SEE NOTE 1     SEE NOTE 1   
                                                                                                                        
CASH FLOWS FROM OPERATING ACTIVITIES                                                                                    
Net income (loss)......................................................................... $      672,046 $  (2,702,898)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating                                  
 activities:                                                                                                            
  Amortization of premiums and accretion of discounts associated with investments, net....         20,823          5,956
  (Gains) losses on investments, net......................................................         56,581       (41,793)
  (Gains) losses on derivatives, net......................................................      (204,378)      4,802,934
  Universal life and investment-type product policy fees..................................         11,088          (556)
  Change in accrued investment income.....................................................             28       (77,901)
  Change in premiums, reinsurance and other receivables...................................        112,292        155,762
  Change in deferred policy acquisition costs, net........................................       (23,159)         41,444
  Change in income tax recoverable (payable)..............................................        670,461    (1,675,874)
  Change in insurance-related liabilities and policy-related balances.....................        272,897        530,400
  Change in other liabilities.............................................................        101,876       (96,015)
  Other, net..............................................................................         31,681         24,977
                                                                                           -------------- --------------
Net cash provided by (used in) operating activities.......................................      1,722,236        966,436
                                                                                           -------------- --------------
CASH FLOWS FROM INVESTING ACTIVITIES                                                                                    
Sales, maturities and repayments of:                                                                                    
  Fixed maturity securities...............................................................        813,413      1,310,619
  Equity securities.......................................................................            128          7,212
Purchases of fixed maturity securities....................................................      (415,825)    (1,486,466)
Cash received in connection with freestanding derivatives.................................        146,845        415,944
Cash paid in connection with freestanding derivatives.....................................    (2,882,508)    (1,790,917)
Net change in short-term investments......................................................      1,525,163      1,497,830
Net change in funds withheld at interest..................................................      (336,545)      (146,444)
Other, net................................................................................        272,335         24,279
                                                                                           -------------- --------------
Net cash provided by (used in) investing activities.......................................      (876,994)      (167,943)
                                                                                           -------------- --------------
CASH FLOWS FROM FINANCING ACTIVITIES                                                                                    
Policyholder account balances:                                                                                          
  Deposits................................................................................             --            212
  Withdrawals.............................................................................             --       (10,330)
Change in payables for derivative collateral..............................................    (1,276,847)    (1,627,743)
Long-term debt issuances -- affiliated....................................................        500,000             --
Capital contribution from MetLife, Inc....................................................             --        800,000
Dividend on preferred stock...............................................................      (132,484)             --
Other, net................................................................................      (166,050)      (122,628)
                                                                                           -------------- --------------
Net cash provided by (used in) financing activities.......................................    (1,075,381)      (960,489)
                                                                                           -------------- --------------
Effect of change in foreign currency exchange rates on cash and cash equivalents balances.       (45,764)       (23,555)
                                                                                           -------------- --------------
Change in cash and cash equivalents.......................................................      (275,903)      (185,551)
Cash and cash equivalents, beginning of year..............................................        905,519      1,091,070
                                                                                           -------------- --------------
CASH AND CASH EQUIVALENTS, END OF YEAR.................................................... $      629,616 $      905,519
                                                                                           ============== ==============
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:                                                                      
Net cash paid for:                                                                                                      
  Interest................................................................................ $        5,107 $      134,691
                                                                                           ============== ==============
  Income tax.............................................................................. $      304,518 $      222,025
                                                                                           ============== ==============
Non-cash transactions:                                                                                                  
  Purchase of fixed maturity securities associated with business transfer................. $           -- $      760,628
                                                                                           ============== ==============
  Purchase of short-term investments associated with business transfer.................... $           -- $       72,453
                                                                                           ============== ==============
  Capital contribution from MetLife, Inc.................................................. $       26,825 $       33,421
                                                                                           ============== ==============
  Issuance of non-cumulative perpetual preferred shares................................... $           -- $    2,000,000
                                                                                           ============== ==============
  Assignment of senior notes to MetLife, Inc.............................................. $           -- $  (2,000,000)
                                                                                           ============== ==============
                                                        [Enlarge/Download Table]

                                                                                              2011     
                                                                                           ------------
                                                                                           AS RESTATED 
                                                                                           SEE NOTE 1  
                                                                                                       
CASH FLOWS FROM OPERATING ACTIVITIES                                                                   
Net income (loss)......................................................................... $    174,714
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating                 
 activities:                                                                                           
  Amortization of premiums and accretion of discounts associated with investments, net....         (62)
  (Gains) losses on investments, net......................................................        1,086
  (Gains) losses on derivatives, net......................................................      469,752
  Universal life and investment-type product policy fees..................................      (3,781)
  Change in accrued investment income.....................................................      (6,706)
  Change in premiums, reinsurance and other receivables...................................      358,863
  Change in deferred policy acquisition costs, net........................................       28,571
  Change in income tax recoverable (payable)..............................................     (19,555)
  Change in insurance-related liabilities and policy-related balances.....................      256,552
  Change in other liabilities.............................................................    (355,242)
  Other, net..............................................................................       29,195
                                                                                           ------------
Net cash provided by (used in) operating activities.......................................      933,387
                                                                                           ------------
CASH FLOWS FROM INVESTING ACTIVITIES                                                                   
Sales, maturities and repayments of:                                                                   
  Fixed maturity securities...............................................................      604,979
  Equity securities.......................................................................        2,880
Purchases of fixed maturity securities....................................................    (754,191)
Cash received in connection with freestanding derivatives.................................      876,691
Cash paid in connection with freestanding derivatives.....................................  (2,032,925)
Net change in short-term investments......................................................  (4,538,307)
Net change in funds withheld at interest..................................................     (98,811)
Other, net................................................................................      158,928
                                                                                           ------------
Net cash provided by (used in) investing activities.......................................  (5,780,756)
                                                                                           ------------
CASH FLOWS FROM FINANCING ACTIVITIES                                                                   
Policyholder account balances:                                                                         
  Deposits................................................................................          416
  Withdrawals.............................................................................      (2,644)
Change in payables for derivative collateral..............................................    2,563,812
Long-term debt issuances -- affiliated....................................................    1,000,000
Capital contribution from MetLife, Inc....................................................      673,000
Dividend on preferred stock...............................................................           --
Other, net................................................................................       80,761
                                                                                           ------------
Net cash provided by (used in) financing activities.......................................    4,315,345
                                                                                           ------------
Effect of change in foreign currency exchange rates on cash and cash equivalents balances.        7,065
                                                                                           ------------
Change in cash and cash equivalents.......................................................    (524,959)
Cash and cash equivalents, beginning of year..............................................    1,616,029
                                                                                           ------------
CASH AND CASH EQUIVALENTS, END OF YEAR.................................................... $  1,091,070
                                                                                           ============
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:                                                     
Net cash paid for:                                                                                     
  Interest................................................................................ $     69,232
                                                                                           ============
  Income tax.............................................................................. $    115,497
                                                                                           ============
Non-cash transactions:                                                                                 
  Purchase of fixed maturity securities associated with business transfer................. $         --
                                                                                           ============
  Purchase of short-term investments associated with business transfer.................... $         --
                                                                                           ============
  Capital contribution from MetLife, Inc.................................................. $     30,860
                                                                                           ============
  Issuance of non-cumulative perpetual preferred shares................................... $         --
                                                                                           ============
  Assignment of senior notes to MetLife, Inc.............................................. $         --
                                                                                           ============

SEE ACCOMPANYING NOTES TO THE FINANCIAL STATEMENTS. 

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS 

1. BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING        
POLICIES                                                                        

BUSINESS                                                                        

Exeter Reassurance Company, Ltd. (the "Company" or "Exeter") is a           
wholly-owned stock life insurance subsidiary of MetLife, Inc. (the "Holding     
Company").                                                                      

In 2011, the Company was redomesticated to the Cayman Islands. The Company  
was licensed as an Unrestricted Class B Insurer under the Insurance Law of the  
Cayman Islands (the "Law").                                                     

Effective October 1, 2013, the Company redomesticated to the state of       
Delaware ("Delaware"). The Company is licensed as a Delaware pure captive       
insurance company under the Delaware Captive Insurance Law ("Delaware Law").    
The Company engages in traditional and financial reinsurance of life insurance  
and annuity policies, primarily with affiliates.                                

In the second quarter of 2013, the Holding Company announced its plans to   
merge three U.S.-based life insurance companies and an offshore reinsurance     
subsidiary to create one larger U.S.-based and U.S.-regulated life insurance    
company (the "Mergers"). The companies to be merged consist of MetLife          
Insurance Company of Connecticut ("MICC"), MetLife Investors USA Insurance      
Company ("MLI-USA") and MetLife Investors Insurance Company ("MLIIC"), each a   
U.S. insurance company that issues variable annuity products in addition to     
other products, and Exeter. MICC, which is expected to be renamed and domiciled 
in Delaware, will be the surviving entity. The Mergers are expected to occur in 
the fourth quarter of 2014, subject to regulatory approvals.                    

BASIS OF PRESENTATION                                                           

The Company has previously prepared, and filed, financial statements that   
comply with the filing requirements of the Cayman Islands Monetary Authority    
("CIMA"). The financial statements as of and for the year ended December 31,    
2012 presented insurance liabilities in the balance sheet in accordance with    
practices prescribed or permitted by CIMA, which presentation differs from the  
presentation requirements under generally accepted accounting principles. The   
presentation of insurance liabilities in these financial statements has been    
revised to present such amounts in accordance with accounting principles        
generally accepted in the United States.                                        

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 in the 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 estimates.  

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.             

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

1. BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING        
POLICIES (CONTINUED)                                                            

RESTATEMENTS                                                                    

The Company identified the following errors relating to the 2013, 2012 and  
2011 statements of cash flows:                                                  

.  Net cash provided by operating activities was overstated and net cash
  used in investing activities was understated in 2012, as a result of
     errors relating to the non-cash component of the consideration received
for the transfer of business to the Company from an affiliate.    
.  The effects of changes in foreign currency exchange rates on cash and
cash equivalents were incorrectly reported in 2013, 2012 and 2011,
resulting in offsetting impacts on net cash provided by operating 
activities and net cash used in investing activities.             
.  Certain transactions relating to fees on embedded derivatives were   
    incorrectly reported in the cash flow statement in 2013, 2012 and 2011
     including: (a) cash transactions incorrectly reported in (gains) losses
    on derivatives, net, resulting in impacts to both net cash provided by
     operating activities and net cash used in investing activities: and (b)
     non-cash transactions incorrectly reported in cash flows from investing
activities in other, net, resulting in impacts to net cash used in
investing activities.                                             
.  Non-cash transactions relating to funds withheld at interest were    
    incorrectly reported in net cash used in investing activities in 2013,
2012 and 2011.                                                    

The combined errors resulted in an overstatement/(understatement) of (i) net
cash provided by operating activities of $93,333 thousand, $991,168 thousand    
and ($76,861) thousand in 2013, 2012 and 2011, respectively; (ii) net cash used 
in investing activities of ($139,097) thousand, ($1,014,723) thousand and       
$83,926 thousand in 2013, 2012 and 2011, respectively; and (iii) the effect of  
change in foreign currency exchange rates on cash and cash equivalents of       
$45,764 thousand, $23,555 thousand and ($7,065) thousand in 2013, 2012 and      
2011, respectively.                                                             

The impact of the 2013, 2012 and 2011 restatements is shown in the tables   
below:                                                                          

                                                        [Enlarge/Download Table]

                                                                   FOR THE YEAR ENDED DECEMBER 31, 2013  
                                                                 ----------------------------------------
                                                                 AS PREVIOUSLY CORRECTION OF             
                                                                   REPORTED       ERRORS     AS ADJUSTED 
                                                                 ------------- ------------- ------------
                                                                              (IN THOUSANDS)             
                                                                                                         
CASH FLOWS FROM OPERATING ACTIVITIES                                                                     
Adjustments to reconcile net income (loss) to net cash provided                                          
  by (used in) operating activities:                                                                     
 (Gains) losses on derivatives, net............................. $(1,095,691)   $  891,313   $  (204,378)
 Change in accrued investment income............................ $      (737)   $      765   $         28
 Change in premiums, reinsurance and other receivables.......... $    130,149   $ (17,857)   $    112,292
 Change in income tax recoverable (payable)..................... $    822,557   $(152,096)   $    670,461
 Change in other assets......................................... $     26,549   $ (26,549)   $         --
 Change in insurance-related liabilities and policy-related                                              
   balances..................................................... $    979,232   $(706,335)   $    272,897
 Change in other liabilities.................................... $    101,875   $        1   $    101,876
 Other, net..................................................... $    114,256   $ (82,575)   $     31,681
Net cash provided by (used in) operating activities............. $  1,815,569   $ (93,333)   $  1,722,236
CASH FLOWS FROM INVESTING ACTIVITIES                                                                     
 Sales, maturities and repayments of:                                                                    
   Fixed maturity securities.................................... $    803,256   $   10,157   $    813,413
 Net change in short-term investments........................... $  1,528,444   $  (3,281)   $  1,525,163
 Net change in funds withheld at interest....................... $  (257,452)   $ (79,093)   $  (336,545)
 Other, net..................................................... $     61,021   $  211,314   $    272,335
Net cash provided by (used in) investing activities............. $(1,016,091)   $  139,097   $  (876,994)
Effect of change in foreign currency exchange rates on cash and                                          
  cash equivalents balances..................................... $         --   $ (45,764)   $   (45,764)

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

1. BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING        
POLICIES (CONTINUED)                                                            

                                                        [Enlarge/Download Table]

                                                               FOR THE YEAR ENDED DECEMBER 31, 2012  
                                                             ----------------------------------------
                                                             AS PREVIOUSLY CORRECTION OF             
                                                               REPORTED       ERRORS     AS ADJUSTED 
                                                             ------------- ------------- ------------
                                                                          (IN THOUSANDS)             
                                                                                                     
CASH FLOWS FROM OPERATING ACTIVITIES                                                                 
Adjustments to reconcile net income (loss) to net cash                                               
  provided by (used in) operating activities:                                                        
 (Gains) losses on derivatives, net......................... $  4,156,565  $    646,369  $  4,802,934
 Change in premiums, reinsurance and other receivables...... $    149,271  $      6,491  $    155,762
 Change in income tax recoverable (payable)................. $(1,617,392)  $   (58,482)  $(1,675,874)
 Change in other assets..................................... $     13,027  $   (13,027)  $         --
 Change in insurance-related liabilities and policy-related                                          
   balances................................................. $  1,932,786  $(1,402,386)  $    530,400
 Change in other liabilities................................ $   (31,859)  $   (64,156)  $   (96,015)
 Other, net................................................. $    130,954  $  (105,977)  $     24,977
Net cash provided by (used in) operating activities......... $  1,957,604  $  (991,168)  $    966,436
CASH FLOWS FROM INVESTING ACTIVITIES                                                                 
 Purchases of fixed maturity securities..................... $(2,264,346)  $    777,880  $(1,486,466)
 Net change in short-term investments....................... $  1,423,762  $     74,068  $  1,497,830
 Net change in funds withheld at interest................... $  (218,801)  $     72,357  $  (146,444)
 Other, net................................................. $   (66,139)  $     90,418  $     24,279
Net cash provided by (used in) investing activities......... $(1,182,666)  $  1,014,723  $  (167,943)
Effect of change in foreign currency exchange rates on cash                                          
  and cash equivalents balances............................. $         --  $   (23,555)  $   (23,555)

                                                        [Enlarge/Download Table]

                                                                      FOR THE YEAR ENDED DECEMBER 31, 2011  
                                                                    ----------------------------------------
                                                                    AS PREVIOUSLY CORRECTION OF             
                                                                      REPORTED       ERRORS     AS ADJUSTED 
                                                                    ------------- ------------- ------------
                                                                                 (IN THOUSANDS)             
                                                                                                            
CASH FLOWS FROM OPERATING ACTIVITIES                                                                        
Adjustments to reconcile net income (loss) to net cash provided by                                          
  (used in) operating activities:                                                                           
 (Gains) losses on derivatives, net................................ $  (153,956)   $  623,708   $    469,752
 Change in accrued investment income............................... $    (8,031)   $    1,325   $    (6,706)
 Change in premiums, reinsurance and other receivables............. $    349,645   $    9,218   $    358,863
 Change in income tax recoverable (payable)........................ $   (50,030)   $   30,475   $   (19,555)
 Change in other assets............................................ $   (15,750)   $   15,750   $         --
 Change in insurance-related liabilities and policy-related                                                 
   balances........................................................ $    757,824   $(501,272)   $    256,552
 Change in other liabilities....................................... $  (354,977)   $    (265)   $  (355,242)
 Other, net........................................................ $    131,273   $(102,078)   $     29,195
Net cash provided by (used in) operating activities................ $    856,526   $   76,861   $    933,387
CASH FLOWS FROM INVESTING ACTIVITIES                                                                        
Net change in funds withheld at interest........................... $   (91,382)   $  (7,429)   $   (98,811)
 Other, net........................................................ $    235,425   $ (76,497)   $    158,928
Net cash provided by (used in) investing activities................ $(5,696,830)   $ (83,926)    (5,780,756)
Effect of change in foreign currency exchange rates on cash and                                             
  cash equivalents balances........................................ $         --   $    7,065   $      7,065

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

1. BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING        
POLICIES (CONTINUED)                                                            

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.                        

                                                                [Download Table]
                                      
--------------------------------------
ACCOUNTING POLICY                 NOTE
--------------------------------------
Deferred Policy Acquistion Costs     2
--------------------------------------
Reserves                             3
--------------------------------------
Reinsurance                          4
--------------------------------------
Investments                          5
--------------------------------------
Derivatives                          6
--------------------------------------
Fair Value                           7
--------------------------------------
Income Tax                          11
--------------------------------------
Litigation Contingencies            12
--------------------------------------

FUTURE POLICYHOLDER BENEFITS, POLICYHOLDER ACCOUNT BALANCES AND OTHER         
POLICY-RELATED BALANCES                                                         

The Company establishes liabilities for insurance policies assumed by the   
Company. 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, investment returns,    
inflation, expenses and other contingent events as appropriate to the           
respective product type. For long duration insurance contracts, assumptions     
such as mortality 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.                                                          

Liabilities for assumed universal secondary 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 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 Ratings Services ("S&P") 500 Index. The benefits used in      
calculating the liabilities assumed are based on the average benefits payable   
over a range of scenarios.                                                      

The assumed unearned revenue liability included in other policy-related     
balances relates to universal life-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,     
similar to DAC as discussed further herein. Such amortization is recorded in    
universal life and investment-type product policy fees.                         

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.                              

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

1. BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING        
POLICIES (CONTINUED)                                                            

The Company assumed and ceded guaranteed minimum benefits associated with   
certain variable annuity product risks that provide the policyholder a minimum  
return based on their initial deposit (i.e., the benefit base) less             
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 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 assumed are accounted for as insurance liabilities in future     
policy benefits include guaranteed minimum death benefits ("GMDB"), the portion 
of guaranteed minimum income benefits ("GMIB") that require annuitization, and  
the life-contingent portion of guaranteed minimum withdrawal benefits ("GMWB"). 

Guarantees assumed are accounted for as embedded derivatives in policyholder
account balances include the non life-contingent portion of GMWB, guaranteed    
minimum accumulation benefits ("GMAB") and the portion of GMIB 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 include policy and contract claims and        
policyholder dividends due and unpaid.                                          

The liability for policy and contract claims generally relates to incurred  
but not reported death claims, as well as claims which have been reported but   
not yet settled.                                                                

DIVIDEND LIABILITY                                                              

The terminal dividend liability for assumed participating traditional life  
insurance policies is equal to the liability for dividends paid to              
policyholders upon termination and after satisfying minimum period in-force     
requirements.                                                                   

RECOGNITION OF INSURANCE REVENUE AND RELATED BENEFITS                           

Premiums related to assumed traditional life and variable annuity business  
are recognized as revenues when due. Policyholder benefits and expenses are     
provided against such revenues to recognize profits over the estimated lives of 
the 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 operations in a constant relationship to the business assumed.  

DEFERRED POLICY ACQUISITION COSTS                                               

The Company reimburses the direct writer of the reinsured agreements for    
significant costs in connection with acquiring new and renewal reinsurance      
business. Costs that are related directly to the successful acquisition or      
renewal of reinsurance agreements are capitalized as DAC. Such costs primarily  
include:                                                                        

 .  incremental direct costs of contract acquisition, such as commissions;

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

1. BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING        
POLICIES (CONTINUED)                                                            

.  other essential direct costs that would not have been incurred had a 
policy not been acquired or renewed.                              

All other acquisition-related costs, as well as all indirect costs, are     
expensed as incurred.                                                           

DAC is amortized as follows:                                                

Products reinsured:                    In proportion to the following over    
                                  estimated lives of the reinsurance
           agreements:
----------------------------------------------------------------------------- 
.  Participating, dividend-paying      Actual and expected future gross       
traditional contracts               margins.                            
----------------------------------------------------------------------------- 
.  Variable universal life contracts   Actual and expected future gross       
.  Variable deferred annuity contracts profits.                               

See Note 2 for additional information on DAC amortization.                  

 The recovery of DAC is dependent upon the future profitability of the related
business.                                                                       

REINSURANCE AGREEMENTS                                                          

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 a    
reinsurer. The Company reviews all contractual features, particularly those     
that may limit the amount of insurance risk to which the Company 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) future policy benefit liabilities are    
established.                                                                    

Amounts currently recoverable under reinsurance agreements are included in  
premiums, reinsurance and other receivables and amounts currently payable are   
included in other liabilities and other policy-related balances. 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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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

1. BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING        
POLICIES (CONTINUED)                                                            

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.       
Certain assumed GMWB, GMAB and GMIB are 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                                                       

Income on investments is reported within net investment income, unless  
otherwise stated herein.                                                    

FIXED MATURITY SECURITIES                                                   

The Company's fixed maturity 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     
policyholder-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 on fixed maturity securities is recognized when earned  
 using an effective yield method giving effect to amortization of premiums and
accretion of discounts. Prepayment fees are recognized when earned.         

The Company periodically evaluates fixed maturity 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 and an analysis of the gross unrealized     
losses by severity and/or age. The analysis of gross unrealized losses is   
described further in Note 5 "--Evaluation of AFS Securities for OTTI and    
Evaluating Temporarily Impaired AFS Securities."                            

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 exist, 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. Adjustments are not made for         
subsequent recoveries in value.                                             

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

1. BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING        
POLICIES (CONTINUED)                                                            

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 the estimated fair value or amortized
cost, which approximates estimated fair value.                              

DERIVATIVE ASSETS                                                           

Derivative assets consist principally of freestanding derivatives with  
positive estimated fair values and are described in " -- Derivatives" below.

FUNDS WITHHELD AT INTEREST                                                  

Funds withheld at interest represent amounts contractually withheld by  
ceding companies in accordance with reinsurance agreements. The Company     
records a funds withheld asset rather than the underlying investments. 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.                                                 

DERIVATIVES                                                                   

FREESTANDING DERIVATIVES                                                    

   Freestanding derivatives are carried in the Company's balance sheets either
as assets within derivative assets or as liabilities within derivative      
liabilities at estimated fair value. The Company does not offset the fair   
value amounts recognized for derivatives executed with the same counterparty
absent a master netting agreement.                                          

   Accruals on derivatives are generally recorded in accrued investment income
 or within derivative liabilities. However, accruals that are not scheduled to
settle within one year are included with the derivatives carrying value in  
derivative assets or derivative liabilities.                                

The Company's derivatives are not designated as qualifying for hedge    
accounting. Changes in the estimated fair value of derivatives are generally
reported in net derivative gains (losses) except for those in policyholder  
benefits and claims for economic hedges of variable annuity guarantees      
 included in future policy benefits in the balance sheets. The fluctuations in
estimated fair value of derivatives can result in significant volatility in 
net income.                                                                 

EMBEDDED DERIVATIVES                                                        

The Company assumes variable annuity guarantees, modified coinsurance   
contracts and equity indexed deferred annuities that contain embedded       
derivatives. Additionally, the Company has retroceded certain of these      
variable annuity guarantees to unaffiliated reinsurance counterparties that 
also contain 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 fair   
value with changes in fair value recorded in earnings;              

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

1. BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING        
POLICIES (CONTINUED)                                                            

 .  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 in the balance sheets at estimated
fair value with the host contract and changes in their estimated fair value 
are generally reported in net derivative gains (losses) for assumed         
reinsurance or in policyholder benefits and claims for ceded reinsurance. 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.                                        

FAIR VALUE                                                                    

Certain assets and liabilities are measured at estimated fair value in the
Company's balance sheets. In addition, the notes to these financial statements
include further disclosures of estimated fair values. The Company 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. 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 determinative, unobservable inputs and/or adjustments to observable inputs
requiring management judgment are used to determine the fair value of assets  
and liabilities.                                                              

INCOME TAX                                                                    

  The Company joins with the Holding Company and its includable life insurance
and non-life insurance subsidiaries in filing a consolidated U.S. federal     
income tax return in accordance with the provision of the Internal Revenue    
Code of 1986 as amended (the "Code"). Current taxes (and the benefits of tax  
attributes such as losses) are allocated to the Holding Company under the     
consolidated tax return regulations and a tax sharing agreement. Under the    
consolidated tax return regulations, the Holding Company has elected the      
"percentage method' (and 100 percent under such method) of reimbursing        
companies for tax attributes such as losses. As a result, one hundred percent 
of tax attributes such as losses are reimbursed by the Holding Company to the 
extent that consolidated federal income tax of the consolidated federal tax   
return group is reduced in a year by tax attributes such as losses. Profitable
subsidiaries pay to the Holding company each year the federal income tax which
such profitable subsidiary would have paid that year based upon that year's   
taxable income. The Holding Company has current or prior deductions and       
credits (including by 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 the Holding Company  
when those tax attributes are realized (or realizable) by the consolidated    
federal tax return group, even if the Holding Company would not have realized 
the attributes on a stand-alone basis under a "wait and see" method.          

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

1. BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING        
POLICIES (CONTINUED)                                                            

Deferred income tax assets and liabilities resulting from temporary       
differences between the financial reporting and tax basis 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 income 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 when management determines, based on available information, that  
it is more likely than not that deferred income tax assets will not be        
realized. Factors in management's determination include the performance of the
business and its ability to generate capital gains. Significant judgment is   
required in determining whether valuation allowances should be established, as
well as the amount of such allowances. When making such determination,        
consideration is given to, among other things, the following:                 

.  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 in   
certain circumstances. Examples of such circumstances include 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, future events, such as changes in tax     
laws, tax regulations, or interpretations of such laws or regulations, could  
have an impact on the provision for income tax and the effective tax rate. Any
such changes could significantly affect the amounts reported in the financial 
statements in the year these changes occur.                                   

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 in 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 
in other liabilities and are charged to earnings in the period that such      
determination is made.                                                        

The Company classifies interest recognized as other expense and penalties 
recognized as a component of income tax expense.                              

OTHER ACCOUNTING POLICIES                                                     

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.                    

OTHER REVENUES                                                              

  Other revenues consist of funds withheld investment credit fees associated
with financial reinsurance.                                                 

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

1. BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING        
POLICIES (CONTINUED)                                                            

POLICYHOLDER DIVIDENDS                                                      

Pursuant to the terms of certain reinsurance agreements, the Company    
participates in the policyholder dividend scale of the ceding company.      
 Policyholder dividends are approved annually by the ceding 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 the judgment of the ceding company's management as to the appropriate
level of statutory surplus to be retained by the ceding company.            

FOREIGN CURRENCY                                                            

Balance sheet accounts for reinsurance agreements that are settled in   
 foreign currencies are translated at the exchange rate in effect at each year
end and income and expense accounts are translated at the average exchange  
rates during the year. Translation adjustments are charged or credited      
 directly to foreign currency translation adjustments, included in accumulated
other comprehensive income or loss, net of applicable taxes. Intercompany   
receivables (payables) that are held in foreign currencies are translated at
the exchange rate in effect at each year end and translation adjustments are
 charged directly to net investment gains (losses) in the period in which they
occur.                                                                      

ADOPTION OF NEW ACCOUNTING PRONOUNCEMENTS                                       

Effective January 1, 2013, the Company adopted new guidance regarding       
comprehensive income that requires an entity to provide information about the   
amounts reclassified out of Accumulated Other Comprehensive Income ("AOCI") by  
component. In addition, an entity is required to present, either on the face of 
the statement where net income is presented or in the notes, significant        
amounts reclassified out of AOCI by the respective line items of net income but 
only if the amount reclassified is required under GAAP to be reclassified to    
net income in its entirety in the same reporting period. For other amounts that 
are not required under GAAP to be reclassified in their entirety to net income, 
an entity is required to cross-reference to other disclosures required under    
GAAP that provide additional detail about those amounts. The adoption was       
prospectively applied and resulted in additional disclosures in Note 9.         

 Effective January 1, 2013, the Company adopted new guidance regarding balance
sheet offsetting disclosures which requires an entity to disclose information   
about offsetting and related arrangements for derivatives, including bifurcated 
embedded derivatives, repurchase and reverse repurchase agreements, and         
securities borrowing and lending transactions, to enable users of its financial 
statements to understand the effects of those arrangements on its financial     
position. Entities are required to disclose both gross information and net      
information about both instruments and transactions eligible for offset in the  
statement of financial position and instruments and transactions subject to an  
agreement similar to a master netting arrangement. The adoption was             
retrospectively applied and resulted in additional disclosures related to       
derivatives in Note 6.                                                          

 On January 1, 2012, the Company adopted new guidance regarding accounting for
DAC, which was retrospectively applied. The guidance specifies that only costs  
related directly to successful acquisition of new or renewal contracts can be   
capitalized as DAC; all other acquisition-related costs must be expensed as     
incurred. Under the new guidance, advertising costs may only be included in DAC 
if the capitalization criteria in the direct-response advertising guidance in   
Subtopic 340-20, OTHER ASSETS AND DEFERRED COSTS--CAPITALIZED ADVERTISING       
COSTS, are met. As a result, certain direct marketing, sales manager            
compensation and administrative costs previously capitalized by the Company     
will no longer be deferred.                                                     

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

1. BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING        
POLICIES (CONTINUED)                                                            

On January 1, 2012, the Company adopted new guidance regarding comprehensive
income, which was retrospectively applied, that provides companies with the     
option to present the total of comprehensive income, components of net income,  
and the components of OCI either in a single continuous statement of            
comprehensive income or in two separate but consecutive statements in annual    
financial statements. The standard eliminates the option to present components  
of OCI as part of the statement of changes in stockholders' equity. The Company 
adopted the two-statement approach for annual financial statements.             

Effective January 1, 2012, the Company adopted new guidance regarding fair  
value measurements that establishes common requirements for measuring fair      
value and for disclosing information about fair value measurements in           
accordance with GAAP and International Financial Reporting Standards. Some of   
the amendments clarify the Financial Accounting Standards Board's ("FASB")      
intent on the application of existing fair value measurement requirements.      
Other amendments change a particular principle or requirement for measuring     
fair value or for disclosing information about fair value measurements. The     
adoption did not have a material impact on the Company's financial statements   
other than the expanded disclosures in Note 7.                                  

FUTURE ADOPTION OF NEW ACCOUNTING PRONOUNCEMENTS                                

In March 2013, the FASB issued new guidance regarding foreign currency      
(Accounting Standards Update ("ASU") 2013-05, FOREIGN CURRENCY MATTERS (TOPIC   
830): PARENT'S ACCOUNTING FOR THE CUMULATIVE TRANSLATION ADJUSTMENT UPON        
DERECOGNITION OF CERTAIN SUBSIDIARIES OR GROUPS OF ASSETS WITHIN A FOREIGN      
ENTITY OR OF AN INVESTMENT IN A FOREIGN ENTITY), effective prospectively for    
fiscal years and interim reporting periods within those years beginning after   
December 15, 2013. The amendments require an entity that ceases to have a       
controlling financial interest in a subsidiary or group of assets within a      
foreign entity to apply the guidance in Subtopic 830-30, FOREIGN CURRENCY       
MATTERS -- TRANSLATION OF FINANCIAL STATEMENTS, to release any related          
cumulative translation adjustment into net income. Accordingly, the cumulative  
translation adjustment should be released into net income only if the sale or   
transfer results in the complete or substantially complete liquidation of the   
foreign entity in which the subsidiary or group of assets had resided. For an   
equity method investment that is a foreign entity, the partial sale guidance in 
section 830-30-40, DERECOGNITION, still applies. As such, a pro rata portion of 
the cumulative translation adjustment should be released into net income upon a 
partial sale of such an equity method investment. The Company does not expect   
the adoption of this new guidance to have a material impact on its financial    
statements.                                                                     

In February 2013, the FASB issued new guidance regarding liabilities (ASU   
2013-04, LIABILITIES (TOPIC 405): OBLIGATIONS RESULTING FROM JOINT AND SEVERAL  
LIABILITY ARRANGEMENTS FOR WHICH THE TOTAL AMOUNT OF THE OBLIGATION IS FIXED AT 
THE REPORTING DATE), effective retrospectively for fiscal years beginning after 
December 15, 2013 and interim periods within those years. The amendments        
require an entity to measure obligations resulting from joint and several       
liability arrangements for which the total amount of the obligation within the  
scope of the guidance is fixed at the reporting date, as the sum of the amount  
the reporting entity agreed to pay on the basis of its arrangement among its    
co-obligors and any additional amount the reporting entity expects to pay on    
behalf of its co-obligors. In addition, the amendments require an entity to     
disclose the nature and amount of the obligation, as well as other information  
about the obligation. The Company does not expect the adoption of this new      
guidance to have a material impact on its financial statements.                 

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

2. DEFERRED POLICY ACQUISITION COSTS                                            

See Note 1 for a description of capitalized acquisition costs.              

PARTICIPATING AND DIVIDEND-PAYING TRADITIONAL CONTRACTS                         

 The Company amortizes DAC 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.  
Of these factors, the Company anticipates that investment returns, expenses,    
persistency, and other factor changes and policyholder dividend scales are      
reasonably likely to significantly impact the rate of DAC amortization. On a    
quarterly basis, 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 amortization is          
re-estimated and adjusted by a cumulative charge or credit to earnings. When    
actual gross margins exceed those previously estimated, the DAC amortization    
will increase, resulting in a charge to earnings. The opposite result occurs    
when the actual gross margins are below the previously estimated gross margins. 
On a quarterly basis, 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 amortization will   
increase, resulting in a charge to earnings. The opposite result occurs when    
the expected future gross margins are above the previously estimated expected   
future gross margins. Total DAC amortization during a particular period may     
increase or decrease depending upon the relative size of the amortization       
change resulting from the adjustment to DAC for the update of actual gross      
margins and the re-estimation of expected future gross margins. On a quarterly  
basis, the Company also reviews the estimated gross margins for each block of   
business to determine the recoverability of DAC balances.                       

VARIABLE UNIVERSAL LIFE CONTRACTS, VARIABLE DEFERRED ANNUITY CONTRACTS AND      
EQUITY INDEXED DEFERRED ANNUITY CONTRACTS                                       

 The Company amortizes DAC 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 of the     
contracts. The amount of expected future gross profits is dependent principally 
upon investment returns in excess of the amounts credited to policyholders,     
mortality, persistency, interest crediting rates, expenses to administer the    
business, creditworthiness of reinsurance counterparties, and certain economic  
variables, such as inflation. Of these factors, the Company anticipates that    
investment returns, expenses, and persistency are reasonably likely to impact   
significantly the rate of DAC amortization. On a quarterly basis, 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 amortization is re-estimated and adjusted by the    
cumulated charge or credit to current operations. When actual gross profits     
exceed those previously estimated, the DAC 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. 
On a quarterly basis, the Company also updates the actual amount of business    
remaining in-force, which impact expected future gross profits. When expected   
future gross profits are below those previously estimated, the DAC 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 balances.                                                 

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

2. DEFERRED POLICY ACQUISITION COSTS (CONTINUED)                                

FACTORS IMPACTING AMORTIZATION                                                  

The Company also periodically reviews other long-term assumptions underlying
the projections of estimated gross margins and profits. These include           
investment returns, policyholder dividend scales, interest crediting rates,     
mortality, persistency 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 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.                                                        

Amortization of DAC 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  
that would have been amortized if such gains and losses had been recognized.    

Information regarding DAC was as follows:                                   

                                                        [Enlarge/Download Table]

                                                                YEARS ENDED DECEMBER 31,    
                                                            --------------------------------
                                                               2013       2012       2011   
                                                            ---------- ---------- ----------
                                                                     (IN THOUSANDS)         
                                                                                            
Balance at January 1,...................................... $  136,661 $  178,105 $  206,677
Capitalizations............................................      2,013      1,760      2,955
Amortization related to:                                                                    
   Net investment gains (losses) and net derivative gains                                   
     (losses)..............................................     23,559   (28,204)   (21,453)
   Other expenses..........................................    (2,413)   (15,000)   (10,074)
                                                            ---------- ---------- ----------
       Total amortization..................................     21,146   (43,204)   (31,527)
                                                            ---------- ---------- ----------
Balance at December 31,.................................... $  159,820 $  136,661 $  178,105
                                                            ========== ========== ==========

3. RESERVES                                                                     

REINSURANCE LIABILITIES                                                         

Future policy benefits are measured as follows:                             

Product Type                         Measurement Assumptions:               
--------------------------------------------------------------------------- 
Assumed 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 4% to 6% and mortality
                                 rates guaranteed in calculating the
                                cash surrender values described in
                           such contracts); and (ii) the
                               liability for terminal dividends.
--------------------------------------------------------------------------- 
Assumed traditional fixed annuities  Present value of expected future       
after annuitization                  payments. Interest rate assumptions    
                                   used in establishing such liabilities
                              range from 1% to 7% for domestic
                       business and 2% to 5% for
                     international business.

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

3. RESERVES (CONTINUED)                                                         

GUARANTEES                                                                      

The Company reinsures variable annuity products with guaranteed minimum     
benefits. The non-life contingent portion of GMWB, GMAB and the portion of      
certain GMIB that does not require annuitization are accounted for as embedded  
derivatives in policyholder account balances and other policy-related balances  
which are further discussed in Note 6. Guarantees accounted for as reinsurance  
liabilities include:                                                            

                                                        [Enlarge/Download Table]
                                                                                                 
Guarantee:                                       Measurement Assumptions:                        
-------------------------------------------------------------------------------------------------
GMDBs  .  A return of purchase payment upon   Present value of expected death benefits in        
          death even if the account value is    excess of the projected account balance          
          reduced to zero.                      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 those used         
          available for an additional fee.      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 benefits in       
          determined at the time of issuance    excess of the projected account balance at       
          of the variable annuity contract,     any future date of annuitization and             
          a minimum accumulation of purchase    recognizing the excess ratably over the          
          payments, even if the account         accumulation period based on the present         
          value is reduced to zero, that can    value of total expected assessments.             
          be annuitized to receive a monthly  Assumptions are consistent with those used         
          income stream that is not less        for estimating GMDBs liabilities.                
          than a specified amount.            Calculation incorporates an assumption for         
       .  Certain contracts also provide for    the percentage of the potential annuitizations   
          a guaranteed lump sum return of       that may be elected by the contractholder.       
          purchase premium in lieu of the                                                        
          annuitization benefit.                                                                 
-------------------------------------------------------------------------------------------------
GMWBs. .  A return of purchase payment via    Expected value of the life contingent              
          partial withdrawals, even if the      payments and expected assessments using          
          account value is reduced to zero,     assumptions consistent with those used for       
          provided that cumulative              estimating the GMDBs liabilities.                
          withdrawals in a contract year do                                                      
          not exceed a certain limit.                                                            

       .  Certain contracts include                                                              
          guaranteed withdrawals that are                                                        
          life contingent.                                                                       

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

3. RESERVES (CONTINUED)                                                         

Information regarding the liabilities for guarantees (excluding embedded    
derivatives) relating to annuity and universal and variable life contracts was  
as follows:                                                                     

                                                                [Download Table]

                                                 UNIVERSAL AND            
                                                 VARIABLE LIFE            
                              ANNUITY CONTRACTS    CONTRACTS              
-                             ------------------ -------------            
                                                   SECONDARY              
                                GMDBS    GMIBS    GUARANTEES      TOTAL   
-                             --------  -------- ------------- ---------- 
                                                                          
ASSUMED                                                                   
Balance at January 1, 2011... $204,783  $172,260    $41,159    $  418,202 
Incurred guaranteed benefits.  197,432    72,496     (1,514)      268,414 
Paid guaranteed benefits.....  (74,439)       --         --       (74,439)
                              --------  --------    -------    ---------- 
Balance at December 31, 2011.  327,776   244,756     39,645       612,177 
Incurred guaranteed benefits.  169,545   230,988     10,288       410,821 
Paid guaranteed benefits.....  (79,815)       --         --       (79,815)
                              --------  --------    -------    ---------- 
Balance at December 31, 2012.  417,506   475,744     49,933       943,183 
Incurred guaranteed benefits.  125,884    52,561      7,018       185,463 
Paid guaranteed benefits.....  (59,132)       --         --       (59,132)
                              --------  --------    -------    ---------- 
Balance at December 31, 2013. $484,258  $528,305    $56,951    $1,069,514 
                              ========  ========    =======    ========== 

CEDED                                                                     
Balance at January 1, 2011... $  8,210  $     --    $    --    $    8,210 
Incurred guaranteed benefits.      (32)       --         --           (32)
Paid guaranteed benefits.....       --        --         --            -- 
                              --------  --------    -------    ---------- 
Balance at December 31, 2011.    8,178        --         --         8,178 
Incurred guaranteed benefits.    2,920        --         --         2,920 
Paid guaranteed benefits.....       --        --         --            -- 
                              --------  --------    -------    ---------- 
Balance at December 31, 2012.   11,098        --         --        11,098 
Incurred guaranteed benefits.    3,704        --         --         3,704 
Paid guaranteed benefits.....       --        --         --            -- 
                              --------  --------    -------    ---------- 
Balance at December 31, 2013. $ 14,802  $     --    $    --    $   14,802 
                              ========  ========    =======    ========== 

NET                                                                       
Balance at January 1, 2011... $196,573  $172,260    $41,159    $  409,992 
Incurred guaranteed benefits.  197,464    72,496     (1,514)      268,446 
Paid guaranteed benefits.....  (74,439)       --         --       (74,439)
                              --------  --------    -------    ---------- 
Balance at December 31, 2011.  319,598   244,756     39,645       603,999 
Incurred guaranteed benefits.  166,625   230,988     10,288       407,901 
Paid guaranteed benefits.....  (79,815)       --         --       (79,815)
                              --------  --------    -------    ---------- 
Balance at December 31, 2012.  406,408   475,744     49,933       932,085 
Incurred guaranteed benefits.  122,180    52,561      7,018       181,759 
Paid guaranteed benefits.....  (59,132)       --         --       (59,132)
                              --------  --------    -------    ---------- 
Balance at December 31, 2013. $469,456  $528,305    $56,951    $1,054,712 
                              ========  ========    =======    ========== 

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

4. REINSURANCE                                                                  

 The Company assumes insurance risk from affiliated and unaffiliated insurance
companies. The Company also cedes certain assumed insurance risks to            
unaffiliated reinsurers.                                                        

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 previously.              

 Premiums and policyholder benefits and claims in the statements of operations
consist of amounts assumed, partially offset by amounts ceded under reinsurance 
agreements.                                                                     

The Company assumes risks from an unaffiliated company related to guaranteed
minimum benefit guarantees written directly by the unaffiliated company. These  
assumed reinsurance agreements contain embedded derivatives and changes in      
their fair value are also included within net derivative gains (losses). The    
embedded derivatives associated with the cessions are included within           
policyholder's account balance and were liabilities of $1,262.3 million and     
$2,581.9 million at December 31, 2013 and 2012, respectively. For the years     
ended December 31, 2013, 2012 and 2011, net derivative gains (losses) included  
$1,126.5 million, ($394.9) million and $80.6 million, respectively, in changes  
in fair value of such embedded derivatives.                                     

At December 31, 2013 and 2012, the Company had $99.2 million and $287.2     
million, respectively, of unsecured unaffiliated ceded reinsurance recoverable  
balances.                                                                       

 Certain unaffiliated 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 ceded             
unaffiliated reinsurance were $3.5 million and $28.9 million, at December 31,   
2013 and 2012, respectively.                                                    

The deposit liabilities on assumed unaffiliated reinsurance were $545       
thousand and $335 thousand at December 31, 2013 and 2012, respectively.         

RELATED PARTY REINSURANCE TRANSACTIONS                                          

The Company has reinsurance agreements with certain of the Holding Company's
subsidiaries, including Metropolitan Life Insurance Company, First MetLife      
Investors Insurance Company, MetLife Insurance Company of Connecticut, MetLife  
Investors USA Insurance Company, MetLife Investors Insurance Company, MetLife   
Europe Limited ("MEL"), New England Life Insurance Company and Alico Life       
International Limited, all of which are related parties.                        

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

4. REINSURANCE (CONTINUED)                                                      

Information regarding the significant effects of affiliated reinsurance     
included in the statements of operations was as follows:                        

                                                        [Enlarge/Download Table]

                                                                YEARS ENDED DECEMBER 31,        
                                                        ----------------------------------------
                                                            2013         2012          2011     
                                                        ------------ ------------ --------------
                                                                     (IN THOUSANDS)             
                                                                                                
REVENUES                                                                                        
Premiums............................................... $     23,922 $    909,170 $       29,894
Universal life and investment-type product policy fees.      450,583      398,509        283,097
Net derivative gain (loss).............................    5,678,708    (723,305)    (2,818,107)
Other revenues.........................................        1,396       22,917         43,740
                                                        ------------ ------------ --------------
 Total revenues........................................ $  6,154,609 $    607,291 $  (2,461,376)
                                                        ============ ============ ==============
EXPENSES                                                                                        
Policyholder benefits and claims....................... $    255,205 $  1,273,113 $      234,143
Interest credited to policyholder account balances.....       17,399       16,598         15,831
Policyholder dividends.................................       12,295       14,256         14,013
Other expenses.........................................       82,569       16,845         26,466
                                                        ------------ ------------ --------------
 Total expenses........................................ $    367,468 $  1,320,812 $      290,453
                                                        ============ ============ ==============

Information regarding the significant effects of affiliated reinsurance     
included in the balance sheets was as follows at:                               

                                                                [Download Table]

                                                    DECEMBER 31,       
                                             --------------------------
                                                 2013         2012     
                                             ------------ -------------
                                                   (IN THOUSANDS)      
                                                                       
ASSETS                                                                 
Funds withheld at interest.................. $  2,045,389 $   1,796,083
Premiums, reinsurance and other receivables.      243,080       160,658
Deferred policy acquisition costs...........       80,831        76,892
                                             ------------ -------------
 Total assets............................... $  2,369,300 $   2,033,633
                                             ============ =============
LIABILITIES                                                            
Future policy benefits...................... $  2,062,320 $   2,043,905
Other policy-related balances...............    3,561,663     8,130,768
Policyholder dividends payable..............       16,256        17,438
Other liabilities...........................      250,807       161,603
                                             ------------ -------------
 Total liabilities.......................... $  5,891,046 $  10,353,714
                                             ============ =============

 In September 2012, the Company entered into a reinsurance agreement to assume
100% quota share of certain blocks of indemnity reinsurance from MEL. This      
agreement covers a portion of liabilities under defined portfolios of living    
time annuities contracts issued on or after the effective date. This agreement  
transfers risk to the Company, and therefore, is accounted for as reinsurance.  
As a result of the agreement, the Company recorded future policy benefits,      
presented within future policy benefits, of $649.3 million and $792.3 million,  
other reinsurance liabilities of $16.9 million and $10.7 million, and other     
reinsurance payables, included in other                                         

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

4. REINSURANCE (CONTINUED)                                                      

liabilities, were $43.7 million and $61.1 million at December 31, 2013 and      
2012, respectively. The Company's statement of operations reflects a loss for   
this agreement of $8.6 million and $3.5 million, which includes premiums of $1  
thousand and $881.2 million and policyholder benefits of $8.6 million and       
$884.7 million for the years ended December 31, 2013 and 2012, 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 fair   
value are also included within net derivative gains (losses). The embedded      
derivatives associated with the cessions are included within policyholder       
account balances and were liabilities of $1,226.6 million and $6,249.3 million  
at December 31, 2013 and 2012, respectively. For the years ended December 31,   
2013, 2012 and 2011, net derivative gains (losses) included $5,729.1 million,   
($729.3) million and ($2,818.1) million, respectively, in changes in fair value 
of such embedded derivatives.                                                   

The Company had no ceded affiliated reinsurance recoverable balances at     
December 31, 2013 and 2012.                                                     

5. INVESTMENTS                                                                  

 See Note 7 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 and currency. 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 variable interest entities ("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 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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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

5. INVESTMENTS (CONTINUED)                                                      

FIXED MATURITY SECURITIES AFS                                                   

FIXED MATURITY SECURITIES AFS BY SECTOR                                       

The following table presents the fixed maturity securities AFS by sector. 
Included within fixed maturity securities are structured securities including 
commercial mortgage-backed securities ("CMBS"), ABS and residential           
mortgage-backed securities ("RMBS").                                          

                                                        [Enlarge/Download Table]

                                       DECEMBER 31, 2013                                 DECEMBER 31, 2012                
                       ------------------------------------------------- -------------------------------------------------
                                       GROSS UNREALIZED                                  GROSS UNREALIZED                 
                         COST OR   -------------------------  ESTIMATED    COST OR   -------------------------  ESTIMATED 
                        AMORTIZED           TEMPORARY  OTTI     FAIR      AMORTIZED           TEMPORARY  OTTI     FAIR    
                          COST      GAINS    LOSSES   LOSSES    VALUE       COST      GAINS    LOSSES   LOSSES    VALUE   
                       ----------- -------- --------- ------ ----------- ----------- -------- --------- ------ -----------
                                        (IN THOUSANDS)                                    (IN THOUSANDS)                  
                                                                                                                          
FIXED MATURITY                                                                                                            
 SECURITIES:                                                                                                              
Foreign corporate..... $   535,332 $  5,294 $  7,203   $ --  $   533,423 $   621,950 $ 11,286  $ 1,814   $ --  $   631,422
U.S. corporate........     255,510   10,478    2,366     --      263,622     302,993   19,714      241     --      322,466
CMBS..................     135,781    1,724    4,941     --      132,564      82,307    4,019       --     --       86,326
State and political                                                                                                       
 subdivision..........     114,310    6,862      916     --      120,256     115,352   20,220        5     --      135,567
U.S. Treasury and                                                                                                         
 agency...............     101,947    1,225    3,924     --       99,248     290,766    2,765        2     --      293,529
ABS...................      79,461    1,323      264     --       80,520     195,178    2,707        9     --      197,876
RMBS..................      61,322    2,261      794     --       62,789      76,727    5,179       --     --       81,906
Foreign government....      28,259      400       --     --       28,659      34,640    1,887       --     --       36,527
                       ----------- -------- --------   ----  ----------- ----------- --------  -------   ----  -----------
 Total fixed maturity                                                                                                     
  securities.......... $ 1,311,922 $ 29,567 $ 20,408   $ --  $ 1,321,081 $ 1,719,913 $ 67,777  $ 2,071   $ --  $ 1,785,619
                       =========== ======== ========   ====  =========== =========== ========  =======   ====  ===========

The Company held no non-income producing fixed maturity securities at     
December 31, 2013 and 2012.                                                   

METHODOLOGY FOR AMORTIZATION OF PREMIUM AND ACCRETION OF DISCOUNT ON          
STRUCTURED SECURITIES                                                           

Amortization of premium or 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 single class and multi-class mortgage-backed and   
ABS are estimated using inputs obtained from third-party specialists and based
on management's knowledge of the current market. For credit-sensitive         
mortgage-backed and ABS and certain prepayment-sensitive securities, the      
effective yield is recalculated on a prospective basis. For all other         
mortgage-backed and ABS, the effective yield is recalculated on a             
retrospective basis.                                                          

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

5. 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:                                  

                                                        [Enlarge/Download Table]

                                                           DECEMBER 31,                
                                            -------------------------------------------
                                                    2013                  2012         
                                            --------------------- ---------------------
                                                       ESTIMATED             ESTIMATED 
                                            AMORTIZED    FAIR     AMORTIZED    FAIR    
                                              COST       VALUE      COST       VALUE   
                                            ---------- ---------- ---------- ----------
                                                          (IN THOUSANDS)               
                                                                                       
Due in one year or less.................... $  246,228 $  246,780 $  273,190 $  273,472
Due after one year through five years......    280,090    283,376    520,894    524,882
Due after five years through ten years.....    308,324    311,927    364,081    386,994
Due after ten years........................    200,716    203,125    207,536    234,163
                                            ---------- ---------- ---------- ----------
 Subtotal..................................  1,035,358  1,045,208  1,365,701  1,419,511
Structured securities (CMBS, ABS and RMBS).    276,564    275,873    354,212    366,108
                                            ---------- ---------- ---------- ----------
 Total fixed maturity securities........... $1,311,922 $1,321,081 $1,719,913 $1,785,619
                                            ========== ========== ========== ==========

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.    
CMBS, ABS and RMBS are shown separately, as they are not due at a single        
maturity.                                                                       

CONTINUOUS GROSS UNREALIZED LOSSES FOR FIXED MATURITY SECURITIES AFS BY SECTOR

The following table presents the estimated fair value and gross unrealized  
losses of fixed maturity 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. The unrealized loss amounts include the    
noncredit component of OTTI loss.                                               

                                                        [Enlarge/Download Table]

                                           DECEMBER 31, 2013                          DECEMBER 31, 2012             
                               ------------------------------------------ ------------------------------------------
                                                     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  
                               ---------- ---------- --------- ---------- ---------- ---------- --------- ----------
                                                    (IN THOUSANDS, EXCEPT NUMBER OF SECURITIES)                     
                                                                                                                    
FIXED MATURITY SECURITIES:                                                                                          
Foreign corporate............. $  214,876 $   7,203  $     --     $ --    $  288,797  $  1,814    $  --     $  --   
U.S. corporate................     50,458     1,771     4,378      595        54,064       241       --        --   
CMBS..........................     62,872     4,941        --       --            --        --       --        --   
State and political                                                                                                 
 subdivision..................     14,936       916        --       --           775         5       --        --   
U.S. Treasury and agency......     28,434     3,924        --       --         2,522         2       --        --   
ABS...........................     18,907       264        --       --        72,441         9       --        --   
RMBS..........................     17,541       794        --       --            --        --       --        --   
                               ---------- ---------  --------     ----    ----------  --------    -----     -----   
  Total fixed maturity                                                                                              
   securities................. $  408,024 $  19,813  $  4,378     $595    $  418,599  $  2,071    $  --     $  --   
                               ========== =========  ========     ====    ==========  ========    =====     =====   
Total number of securities in                                                                                       
 an unrealized loss                                                                                                 
 position.....................         79                   2                     67                 --             
                               ==========            ========             ==========              =====             

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

5. 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 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 of securities where the issuer, series of issuers or industry has
 suffered a catastrophic loss or has exhausted natural resources; (vi) 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; and (viii) 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 and state and political subdivision securities, the
estimated fair value is considered the recovery value when available

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

5. INVESTMENTS (CONTINUED)                                                      

 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 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.                                                                   

   The amortized cost of fixed maturity 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 has concluded that these securities are not         
 other-than-temporarily impaired at December 31, 2013. Future OTTI will depend
primarily on economic fundamentals, issuer performance (including changes in
the present value of future cash flows expected to be collected) and 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 increased          
$18.3 million during the year ended December 31, 2013 from $2.1 million to  
$20.4 million. The increase in gross unrealized losses for the year ended   
December 31, 2013, was primarily attributable to an increase in interest    
rates, partially offset by narrowing credit spreads.                        

At December 31, 2013, there were no fixed maturity securities with an   
unrealized loss position of 20% or more of amortized cost for six months or 
greater.                                                                    

FUNDS WITHHELD AT INTEREST                                                      

 Funds withheld at interest represent amounts contractually withheld by ceding
companies in accordance with reinsurance agreements. At December 31, 2013 and   
2012, such amounts consisted of balances withheld in connection with            
reinsurance agreements with affiliates of the Holding Company, as presented in  
Note 4, and an unaffiliated company.                                            

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

5. INVESTMENTS (CONTINUED)                                                      

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 $40.8 million and $410.6 million at December 31, 2013 
and 2012, respectively.                                                         

NET UNREALIZED INVESTMENT GAINS (LOSSES)                                        

 The components of net unrealized investment gains (losses), included in AOCI,
were as follows:                                                                

                                                                [Download Table]

                                                YEARS ENDED DECEMBER 31,     
                                           ----------------------------------
                                              2013       2012        2011    
                                           ---------- ----------- -----------
                                                     (IN THOUSANDS)          
                                                                             
Fixed maturity securities................. $    9,072 $    65,706 $    41,752
Equity securities.........................         --          --     (1,063)
Deferred income tax benefit (expense).....    (3,176)    (22,997)    (14,241)
                                           ---------- ----------- -----------
 Net unrealized investment gains (losses). $    5,896 $    42,709 $    26,448
                                           ========== =========== ===========

The changes in net unrealized investment gains (losses) were as follows:    

                                                        [Enlarge/Download Table]

                                                          YEARS ENDED DECEMBER 31,     
                                                      ---------------------------------
                                                         2013       2012       2011    
                                                      ----------- --------- -----------
                                                               (IN THOUSANDS)          
                                                                                       
Balance, January 1,.................................. $    42,709 $  26,448 $     3,341
Unrealized investment gains (losses) during the year.    (56,634)    25,017      35,549
Deferred income tax benefit (expense)................      19,821   (8,756)    (12,442)
                                                      ----------- --------- -----------
Balance, December 31,................................ $     5,896 $  42,709 $    26,448
                                                      =========== ========= ===========
Change in net unrealized investment gains (losses)... $  (36,813) $  16,261 $    23,107
                                                      =========== ========= ===========

CONCENTRATIONS OF CREDIT RISK                                                   

There were no investments in any counterparty that were greater than 10% of 
the Company's stockholder's equity, other than the U.S. government and its      
agencies, at both December 31, 2013 and 2012.                                   

INVESTED ASSETS HELD IN TRUST AND PLEDGED AS COLLATERAL                         

Invested assets held in trust and pledged as collateral are presented below 
at estimated fair value for cash and cash equivalents, short-term investments,  
and fixed maturity securities at:                                               

                                                        [Enlarge/Download Table]

                                                                    DECEMBER 31,     
                                                                ---------------------
                                                                   2013       2012   
                                                                ---------- ----------
                                                                   (IN THOUSANDS)    
                                                                                     
Invested assets held in trust (1).............................. $2,754,170 $4,697,418
Invested assets pledged as collateral (2)......................  1,024,682    289,145
                                                                ---------- ----------
 Total invested assets held in trust and pledged as collateral. $3,778,852 $4,986,563
                                                                ========== ==========

--------                                                                        

(1)The Company has held in trust certain investments, primarily fixed maturity  
securities, in connection with certain reinsurance transactions.          

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

5. INVESTMENTS (CONTINUED)                                                      

(2)Certain of the Company's invested assets are pledged as collateral for       
various derivative transactions as described in Note 6.                   

VARIABLE INTEREST ENTITIES                                                      

 The Company has invested in certain structured transactions that are VIEs. In
certain instances, the Company may hold both the power to direct the most       
significant activities of the entity, as well as an economic interest in the    
entity and, as such, it would be 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. The Company generally uses a    
qualitative approach to determine whether it is the primary beneficiary.        
However, for VIEs that are investment companies or apply measurement principles 
consistent with those utilized by investment companies, the primary beneficiary 
is based on a risks and rewards model and is defined as the entity that will    
absorb a majority of a VIE's expected losses, receive a majority of a VIE's     
expected residual returns if no single entity absorbs a majority of expected    
losses, or both. The Company reassesses its involvement with VIEs on a          
quarterly basis. The use of different methodologies, assumptions and inputs in  
the determination of the primary beneficiary could have a material effect on    
the amounts presented within the financial statements.                          

CONSOLIDATED VIES                                                             

There were no VIEs for which the Company has concluded that it is the     
primary beneficiary and which are consolidated at December 31, 2013 and 2012. 

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,               
                                                 -----------------------------------------
                                                         2013                 2012        
                                                 -------------------- --------------------
                                                            MAXIMUM              MAXIMUM  
                                                 CARRYING  EXPOSURE   CARRYING  EXPOSURE  
                                                  VALUE   TO LOSS (1)  VALUE   TO LOSS (1)
                                                 -------- ----------- -------- -----------
                                                              (IN THOUSANDS)              
                                                                                          
Fixed maturity securities AFS:                                                            
 Structured securities (ABS, CMBS and RMBS) (2). $275,873  $275,873   $366,108  $366,108  
 Foreign corporate..............................    5,186     5,186      5,525     5,525  
                                                 --------  --------   --------  --------  
   Total........................................ $281,059  $281,059   $371,633  $371,633  
                                                 ========  ========   ========  ========  

--------                                                                        
(1)The maximum exposure to loss relating to fixed maturity securities is equal  
to their carrying amounts or the carrying amounts of retained interests.  

(2)For these variable interests, the Company's involvement is limited to that   
of a passive investor.                                                    

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

5. INVESTMENTS (CONTINUED)                                                      

NET INVESTMENT INCOME                                                           

The components of net investment income were as follows:                    

                                                                [Download Table]

                                                     YEARS ENDED DECEMBER 31, 
                                                    --------------------------
                                                      2013     2012     2011  
                                                    -------- -------- --------
                                                          (IN THOUSANDS)      
                                                                              
Investment Income:                                                            
 Fixed maturity securities......................... $ 41,202 $ 29,831 $ 23,825
 Equity securities.................................       --       94      619
 Cash, cash equivalents and short-term investments.    3,247    6,415    3,314
 Other.............................................  (3,155)  (4,792)  (4,622)
                                                    -------- -------- --------
   Subtotal........................................   41,294   31,548   23,136
                                                    -------- -------- --------
 Less: Investment expenses.........................    5,871   10,853    5,898
                                                    -------- -------- --------
   Net investment income........................... $ 35,423 $ 20,695 $ 17,238
                                                    ======== ======== ========

See "-- Related Party Investment Transactions" for discussion of affiliated 
net investment income and expenses included in the table above.                 

NET INVESTMENT GAINS (LOSSES)                                                   

COMPONENTS OF NET INVESTMENT GAINS (LOSSES)                                   

The components of net investment gains (losses) were as follows:          

                                                                [Download Table]

                                            YEARS ENDED DECEMBER 31, 
                                           --------------------------
                                             2013     2012     2011  
                                           --------- ------- --------
                                                 (IN THOUSANDS)      
                                                                     
Fixed maturity securities................. $   2,066 $   711 $  4,717
Equity securities.........................        --   3,675    (292)
Other investment portfolio gains (losses).  (58,647)  37,407  (5,511)
                                           --------- ------- --------
 Total net investment gains (losses)...... $(56,581) $41,793 $(1,086)
                                           ========= ======= ========

Gains (losses) from foreign currency transactions included within net     
investment gains (losses) were ($59.2) million, $37.3 million and ($5.9)      
million for the years ended December 31, 2013, 2012 and 2011, respectively.   

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

5. INVESTMENTS (CONTINUED)                                                      

SALES OR DISPOSALS OF FIXED MATURITY AND EQUITY SECURITIES                    

  Proceeds from sales or disposals of fixed maturity and equity securities and
the components of fixed maturity and equity securities net investment gains   
(losses) are as shown in the table below. Investment gains and losses on sales
of securities are determined on a specific identification basis.              

                                                        [Enlarge/Download Table]

                            YEARS ENDED DECEMBER 31,     YEARS ENDED DECEMBER 31,    YEARS ENDED DECEMBER 31,    
                         ------------------------------- -----------------------  -------------------------------
                            2013      2012       2011    2013     2012     2011      2013      2012       2011   
                         ---------- --------- ---------- -----  -------- -------- ---------- --------- ----------
                            FIXED MATURITY SECURITIES       EQUITY SECURITIES                  TOTAL             
                         ------------------------------- -----------------------  -------------------------------
                                                             (IN THOUSANDS)                                      
                                                                                                                 
Proceeds................ $  251,239 $  34,432 $  421,298 $  --  $  7,212 $  2,880 $  251,239 $  41,644 $  424,178
                         ========== ========= ========== =====  ======== ======== ========== ========= ==========
Gross investment                                                                                                 
 gains.................. $    2,721 $     755 $    5,178 $  --  $  3,675 $     -- $    2,721 $   4,430 $    5,178
Gross investment                                                                                                 
 losses.................      (655)      (44)      (461)    --        --    (292)      (655)      (44)      (753)
                         ---------- --------- ---------- -----  -------- -------- ---------- --------- ----------
  Net investment gains                                                                                           
   (losses)............. $    2,066 $     711 $    4,717 $  --  $  3,675 $  (292) $    2,066 $   4,386 $    4,425
                         ========== ========= ========== =====  ======== ======== ========== ========= ==========

 There were no OTTI losses on fixed maturity securities or equity securities
during the years ended December 31, 2013, 2012 and 2011.                      

RELATED PARTY INVESTMENT TRANSACTIONS                                           

In the normal course of business, the Company transfers invested assets,    
primarily consisting of fixed maturity securities, to and from affiliates.      
There were no invested assets transferred to affiliates for the years ended     
December 31, 2013 and 2012. There were no invested assets transferred from      
affiliates for the year ended December 31, 2013. The estimated fair value of    
invested assets transferred from affiliates for the year ended December 31,     
2012 was $857.4 million. There were no invested assets transferred from         
affiliates for the year ended December 31, 2011.                                

The Company receives investment administrative services from an affiliate.  
The related investment administrative service charges were $4.6 million, $7.2   
million and $4.5 million for the years ended December 31, 2013, 2012 and 2011,  
respectively.                                                                   

6. DERIVATIVES                                                                  

ACCOUNTING FOR DERIVATIVES                                                      

See Note 1 for a description of the Company's accounting policies for       
derivatives and Note 7 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 and equity  
market. The Company uses a variety of strategies to manage these risks,         
including the use of derivatives.                                               

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

6. DERIVATIVES (CONTINUED)                                                      

Derivatives are financial instruments whose values are 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 may   
be 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. The Company also         
purchases certain securities and engages in certain reinsurance agreements that 
have embedded derivatives.                                                      

 The Company utilizes all derivatives in non-qualifying hedging relationships.

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, futures 
and options.                                                                  

  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.     

 In exchange-traded interest rate Treasury 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, and to    
post variation margin on a daily basis in an amount equal to the difference in
the daily market values of those contracts. The Company enters into           
exchange-traded futures with regulated futures commission merchants that are  
members of the exchange. Exchange-traded interest rate Treasury 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 and to hedge against changes in interest rates on anticipated       
liability issuances by replicating Treasury or swap curve performance.        

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. 
Swaptions are included in interest rate options.                              

FOREIGN CURRENCY EXCHANGE RATE DERIVATIVES                                    

The Company uses 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 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.                                            

To a lesser extent, the Company uses exchange-traded currency futures to  
hedge currency mismatches between assets and liabilities.                     

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

6. DERIVATIVES (CONTINUED)                                                      

EQUITY DERIVATIVES                                                            

The Company uses a variety of equity derivatives to reduce its exposure to
equity market risk, including equity index options, variance swaps,           
exchange-traded equity futures and total rate of return swaps ("TRRs").       

Equity index options are used by the Company primarily to hedge minimum   
guarantees embedded in certain variable annuity products assumed by the       
Company. To hedge against adverse changes in equity indices, the Company      
enters into contracts to sell the 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.                

Equity variance swaps are used by the Company primarily to hedge minimum  
guarantees embedded in certain variable annuity products reinsured 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.                                                               

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, and to post         
variation margin on a daily basis in an amount equal to the difference in the 
daily market values of those contracts. 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 liabilities embedded in certain variable annuity products reinsured by  
the Company.                                                                  

  TRRs 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 Inter-Bank 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. The Company uses TRRs to hedge its   
equity market guarantees in certain of its reinsured products. TRRs can be    
used as hedges or to synthetically create investments.                        

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

6. DERIVATIVES (CONTINUED)                                                      

PRIMARY RISKS MANAGED BY DERIVATIVES                                            

The following table presents the gross notional amount, estimated fair value
and primary underlying risk exposure of the Company's derivatives, excluding    
embedded derivatives, held at:                                                  

                                                                [Download Table]


DERIVATIVES NOT                                            
DESIGNATED OR NOT                                          
QUALIFYING AS HEDGING          PRIMARY UNDERLYING RISK     
INSTRUMENTS                            EXPOSURE            
---------------------       -------------------------------

                                                           
Interest rate swaps........ Interest rate..................
Interest rate futures...... Interest rate..................
Interest rate options...... Interest rate..................
Foreign currency forwards.. Foreign currency exchange rate.
Currency futures........... Foreign currency exchange rate.
Equity futures............. Equity market..................
Equity options............. Equity market..................
Variance swaps............. Equity market..................
Total rate of return swaps. Equity market..................

 Total non-designated or non-qualifying derivatives....... 

                                                        [Enlarge/Download Table]

                                         DECEMBER 31, 2013                  DECEMBER 31, 2012         
                                ----------------------------------- ----------------------------------
                                              ESTIMATED FAIR VALUE               ESTIMATED FAIR VALUE 
                                             ----------------------             ----------------------
   PRIMARY UNDERLYING RISK        NOTIONAL     NOTIONAL                                               
           EXPOSURE                AMOUNT      ASSETS   LIABILITIES   AMOUNT      ASSETS   LIABILITIES
------------------------------- ------------ ---------- ----------- ----------- ---------- -----------
                                                            (IN THOUSANDS)                            
                                                                                                      
Interest rate.................. $ 23,221,522 $1,040,377 $  562,851  $22,298,852 $1,867,230 $  611,572 
Interest rate..................    4,462,013      9,047      6,547    6,437,033        598     20,980 
Interest rate..................   17,690,095    131,341    235,516   11,440,095    302,989     58,486 
Foreign currency exchange rate.    2,324,152        728    171,078    2,281,296      1,051    177,496 
Foreign currency exchange rate.      364,550      1,169      1,022      518,160      3,864         -- 
Equity market..................    4,327,600      1,284     39,600    5,898,717     14,146    105,452 
Equity market..................   31,414,484  1,024,034  1,005,551   18,897,916  2,346,326    355,433 
Equity market..................   18,917,116    167,519    469,330   17,177,849    111,788    241,073 
Equity market..................    3,339,982         --    156,959    2,791,568      4,436     95,505 
                                ------------ ---------- ----------  ----------- ---------- ---------- 
$106,061,514 $2,375,499 $2,648,454  $87,741,486 $4,652,428 $1,665,997                                 
                                ============ ========== ==========  =========== ========== ========== 

NET DERIVATIVE GAINS (LOSSES)                                                   

The components of net derivative gains (losses) were as follows:            

                                                                [Download Table]

                                                 YEARS ENDED DECEMBER 31,         
                                        ------------------------------------------
                                             2013           2012          2011    
                                        -------------- -------------- ------------
                                                      (IN THOUSANDS)              
                                                                                  
Derivatives and hedging gains (losses). $  (4,841,296) $  (2,586,885) $  2,941,895
Embedded derivatives...................      6,776,544    (1,089,704)  (2,711,461)
                                        -------------- -------------- ------------
 Total net derivatives gains (losses).. $    1,935,248 $  (3,676,589) $    230,434
                                        ============== ============== ============

The following table presents earned income on derivatives for the:          

                                                                [Download Table]

                                        YEARS ENDED DECEMBER 31,      
                                  ------------------------------------
                                      2013         2012        2011   
                                  ------------ ------------ ----------
                                             (IN THOUSANDS)           
                                                                      
Net derivative gains (losses).... $  (262,379) $     20,202 $  141,929
Policyholder benefits and claims.    (274,848)    (113,899)     16,833
                                  ------------ ------------ ----------
 Total........................... $  (537,227) $   (93,697) $  158,762
                                  ============ ============ ==========

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

6. DERIVATIVES (CONTINUED)                                                      

NON-QUALIFYING DERIVATIVES                                                      

The following table presents the amount and location of gains (losses)      
recognized in income for derivatives that were not designated or qualifying as  
hedging instruments:                                                            

                                                                [Download Table]

                                                  NET       POLICYHOLDER
                                               DERIVATIVE   BENEFITS AND
                                             GAINS (LOSSES)  CLAIMS (1) 
                                             -------------- ------------
                                                   (IN THOUSANDS)       
                                                                        
FOR THE YEAR ENDED DECEMBER 31, 2013:                                   
 Interest rate derivatives.................. $    (925,139) $    (1,364)
 Foreign currency exchange rate derivatives.      (514,563)           --
 Equity derivatives.........................    (3,139,215)    (635,931)
                                             -------------- ------------
   Total.................................... $  (4,578,917) $  (637,295)
                                             ============== ============
FOR THE YEAR ENDED DECEMBER 31, 2012:                                   
 Interest rate derivatives.................. $    (204,299) $         --
 Foreign currency exchange rate derivatives.      (284,745)           --
 Equity derivatives.........................    (2,118,043)    (367,490)
                                             -------------- ------------
   Total.................................... $  (2,607,087) $  (367,490)
                                             ============== ============
FOR THE YEAR ENDED DECEMBER 31, 2011:                                   
 Interest rate derivatives.................. $    1,527,402 $         --
 Foreign currency exchange rate derivatives.        143,177           --
 Equity derivatives.........................      1,129,387     (82,696)
                                             -------------- ------------
   Total.................................... $    2,799,966 $   (82,696)
                                             ============== ============

--------                                                                        

(1)Changes in estimated fair value related to economic hedges of reinsured      
variable annuity guarantees.                                              

CREDIT RISK ON FREESTANDING DERIVATIVES                                         

The Company may be exposed to credit-related losses in the event of         
nonperformance by 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        
generally governed by International Swaps and Derivatives Association ("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. See Note 7 for a description of  
the impact of credit risk on the valuation of derivatives.                      

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

6. DERIVATIVES (CONTINUED)                                                      

The estimated fair value of the Company's net derivative assets and net     
derivative liabilities after the application of master netting agreements and   
collateral was as follows at:                                                   

                                                        [Enlarge/Download Table]

                                                              DECEMBER 31, 2013         DECEMBER 31, 2012    
                                                          ------------------------- -------------------------
DERIVATIVES SUBJECT TO A MASTER NETTING ARRANGEMENT OR A                                                     
SIMILAR ARRANGEMENT                                          ASSETS    LIABILITIES     ASSETS    LIABILITIES 
--------------------------------------------------------  ------------ ------------ ------------ ------------
                                                                            (IN THOUSANDS)                   
                                                                                                             
 Gross estimated fair value of derivatives:                                                                  
  OTC-bilateral.......................................... $  2,430,173 $  2,593,152 $  4,708,762 $  1,534,233
  Exchange-traded........................................       11,500       47,169       18,608      126,432
                                                          ------------ ------------ ------------ ------------
    Total gross estimated fair value of                                                                      
      derivatives (1)....................................    2,441,673    2,640,321    4,727,370    1,660,665
 Amounts offset in the balance sheets....................           --           --           --           --
                                                          ------------ ------------ ------------ ------------
 Estimated fair value of derivatives presented in the                                                        
   balance sheets (1)....................................    2,441,673    2,640,321    4,727,370    1,660,665
 Gross amounts not offset in the balance sheets:                                                             
 Gross estimated fair value of derivatives: (2)                                                              
  OTC-bilateral..........................................  (1,869,869)  (1,869,869)  (1,518,669)  (1,518,669)
  Exchange-traded........................................      (5,368)      (5,368)     (18,608)     (18,608)
 Cash collateral (3)                                                                                         
  OTC-bilateral..........................................    (163,210)           --  (1,473,376)           --
  Exchange-traded........................................           --     (39,008)           --    (107,824)
 Securities collateral (4)                                                                                   
  OTC-bilateral..........................................    (377,561)    (646,079)  (1,716,717)     (13,667)
  Exchange-traded........................................           --      (2,793)           --           --
                                                          ------------ ------------ ------------ ------------
 Net amount after application of master netting                                                              
   agreements and collateral............................. $     25,665 $     77,204 $         -- $      1,897
                                                          ============ ============ ============ ============

--------                                                                        

(1)At December 31, 2013 and 2012, derivative assets include income or expense   
accruals reported in accrued investment income or in other liabilities of 
$66,175 thousand and $74,942 thousand, respectively, and derivative       
liabilities include income or expense accruals reported in accrued        
investment income or in other liabilities of $8,133 thousand and          
$5,332 thousand, 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 is included in cash and cash equivalents and the    
obligation to return it is included in other liabilities in the balance   
sheet. The receivable for the return of cash collateral provided by the   
  Company is inclusive of initial margin on exchange-traded derivatives and is
included in premiums, reinsurance and other receivables in 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, 2013 and 2012, the Company received excess cash
collateral of $33,319 thousand and $0, respectively, and provided excess  
cash collateral of $185,299 thousand and $167,655 thousand, respectively, 
which is not included in the table above due to the foregoing limitation. 

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

6. DERIVATIVES (CONTINUED)                                                      

(4)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 repledge this
  collateral, but at December 31, 2013 none of the collateral had been sold or
  repledged. Securities collateral pledged by the Company is reported in fixed
maturity securities in the balance sheet. Subject to certain constraints, 
the counterparties are permitted by contract to sell or repledge 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, 2013 and 2012, the
Company received excess securities collateral of $96,746 thousand and     
 $59,320 thousand, respectively, for its OTC-bilateral derivatives which are
not included in the table above due to the foregoing limitation. At       
December 31, 2013 and 2012, the Company provided excess securities        
  collateral of $0 and $0, respectively, for its OTC-bilateral derivatives and
  $36,182 thousand and $39,989 thousand, respectively, for its exchange-traded
 derivatives, which are not included in the table above due to the foregoing
limitation.                                                               

The following table presents the estimated fair value of the Company's      
OTC-bilateral derivatives that are 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 the Company would be required to       
provide if there was a one notch downgrade in the Company's credit rating at    
the reporting date or if the Company's credit rating sustained a downgrade to a 
level that triggered full overnight collateralization or termination of the     
derivative position at the reporting date. OTC-bilateral derivatives that are   
not subject to collateral agreements are excluded from this table.              

                                                        [Enlarge/Download Table]

                                  ESTIMATED FAIR VALUE OF   FAIR VALUE OF INCREMENTAL COLLATERAL  
                                   COLLATERAL PROVIDED:                PROVIDED UPON:             
                                  ----------------------- ----------------------------------------
                                                                         DOWNGRADE IN THE HOLDING 
                                                                         COMPANY'S CREDIT RATING  
                     ESTIMATED                              ONE NOTCH    TO A LEVEL THAT TRIGGERS 
                   FAIR VALUE OF                          DOWNGRADE IN        FULL OVERNIGHT      
                   DERIVATIVES IN                          THE HOLDING     COLLATERALIZATION OR   
                   NET LIABILITY      FIXED MATURITY        COMPANY'S          TERMINATION        
                    POSITION (1)        SECURITIES        CREDIT RATING OF THE DERIVATIVE POSITION
                   -------------- ----------------------- ------------- --------------------------
                                                   (IN THOUSANDS)                                 
                                                                                                  
December 31, 2013. $      723,283      $    646,079        $    20,912         $    21,353        
December 31, 2012. $       15,564      $     13,667        $        --         $        --        

--------                                                                        

(1)After taking into consideration the existence of netting agreements.         

EMBEDDED DERIVATIVES                                                            

The Company assumes variable annuities, modified coinsurance contracts,     
equity indexed deferred annuities and 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: assumed variable annuities with guaranteed minimum         
benefits, including GMWBs, GMABs and certain GMIBs; ceded reinsurance           
agreements of guaranteed minimum benefits related to GMABs and certain GMIBs;   
assumed modified coinsurance contracts; assumed reinsurance on equity indexed   
deferred annuities; and options embedded in debt and equity securities.         

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

6. 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        2013         2012    
                                       -------------------------- ------------ ------------
                                                                       (IN THOUSANDS)      
                                                                                           
Net embedded derivatives within asset                                                      
  host contracts:                                                                          
  Ceded guaranteed minimum benefits... Premiums, reinsurance and                           
                                       other receivables......... $    122,515 $    257,690
  Assumed modified coinsurance         Funds withheld at                                   
   contracts.......................... interest..................       24,035       72,357
                                                                  ------------ ------------
   Net embedded derivatives within asset host contracts.......    $    146,550 $    330,047
                                                                  ============ ============
Net embedded derivatives within liability host contracts:                                  
  Assumed guaranteed minimum benefits. Other policy-related                                
                                       balances.................. $  2,488,944 $  8,831,285
                                                                  ------------ ------------
   Net embedded derivatives within liability host contracts...    $  2,488,944 $  8,831,285
                                                                  ============ ============

The following table presents changes in estimated fair value related to     
embedded derivatives:                                                           

                                                                [Download Table]

                                            YEARS ENDED DECEMBER 31,         
                                   ------------------------------------------
                                       2013          2012           2011     
                                   ------------ -------------- --------------
                                                 (IN THOUSANDS)              
                                                                             
Net derivative gains (losses) (1). $  6,776,544 $  (1,089,704) $  (2,711,461)
Policyholder benefits and claims.. $  (139,134) $       72,507 $       70,390

--------                                                                        

(1)The valuation of reinsured guaranteed minimum benefits includes a            
  nonperformance risk adjustment. The amounts included in net derivative gains
(losses), in connection with this adjustment, were ($996.3) million,      
($1,603.0) million and $1,956.9 million, for the years ended December 31, 
2013, 2012 and 2011, 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 $19.4 million, $2.9 million and ($23.1) million, for the 
years ended December 31, 2013, 2012 and 2011, respectively.               

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE                                                                   

When developing estimated fair values, the Company considers three broad    
valuation techniques: (i) the market approach, (ii) the income approach, and    
(iii) the cost approach. The Company determines the most appropriate valuation  
technique 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 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.                                                                        

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

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 are         
presented below.                                                                

                                                        [Enlarge/Download Table]

                                                                  DECEMBER 31, 2013                   
                                                ------------------------------------------------------
                                                         FAIR VALUE HIERARCHY                         
                                                --------------------------------------                
                                                                                       TOTAL ESTIMATED
                                                  LEVEL 1      LEVEL 2      LEVEL 3      FAIR VALUE   
                                                ------------ ------------ ------------ ---------------
                                                                    (IN THOUSANDS)                    
                                                                                                      
ASSETS:                                                                                               
Fixed maturity securities:                                                                            
 Foreign corporate............................. $         -- $    533,423 $         --  $    533,423  
 U.S. corporate................................           --      253,705        9,917       263,622  
 CMBS..........................................           --       75,017       57,547       132,564  
 State and political subdivision...............           --      120,256           --       120,256  
 U.S. Treasury and agency......................       99,248           --           --        99,248  
 ABS...........................................           --       80,520           --        80,520  
 RMBS..........................................           --       62,789           --        62,789  
 Foreign government............................           --       28,659           --        28,659  
                                                ------------ ------------ ------------  ------------  
   Total fixed maturity securities.............       99,248    1,154,369       67,464     1,321,081  
                                                ------------ ------------ ------------  ------------  
Short-term investments (1).....................    2,630,762      101,270           --     2,732,032  
Derivative assets: (2)                                                                                
 Interest rate contracts.......................        9,046    1,171,719           --     1,180,765  
 Foreign currency contracts....................        1,169          728           --         1,897  
 Equity market contracts.......................        1,284      917,797      273,756     1,192,837  
                                                ------------ ------------ ------------  ------------  
   Total derivative assets.....................       11,499    2,090,244      273,756     2,375,499  
                                                ------------ ------------ ------------  ------------  
Net embedded derivatives within asset host                                                            
  contracts (3)................................           --           --      146,550       146,550  
                                                ------------ ------------ ------------  ------------  
   Total assets................................ $  2,741,509 $  3,345,883 $    487,770  $  6,575,162  
                                                ============ ============ ============  ============  
LIABILITIES:                                                                                          
Derivative liabilities: (2)                                                                           
 Interest rate contracts....................... $      6,547 $    798,367 $         --  $    804,914  
 Foreign currency contracts....................        1,022      171,078           --       172,100  
 Equity market contracts.......................       39,601    1,136,875      494,964     1,671,440  
                                                ------------ ------------ ------------  ------------  
   Total derivative liabilities................       47,170    2,106,320      494,964     2,648,454  
                                                ------------ ------------ ------------  ------------  
Net embedded derivatives within liability host                                                        
  contracts (3)................................           --           --    2,488,944     2,488,944  
                                                ------------ ------------ ------------  ------------  
   Total liabilities........................... $     47,170 $  2,106,320 $  2,983,908  $  5,137,398  
                                                ============ ============ ============  ============  

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

                                                        [Enlarge/Download Table]

                                                              DECEMBER 31, 2012                   
                                            ------------------------------------------------------
                                                     FAIR VALUE HIERARCHY                         
                                            -------------------------------------- TOTAL ESTIMATED
                                              LEVEL 1      LEVEL 2      LEVEL 3      FAIR VALUE   
                                            ------------ ------------ ------------ ---------------
                                                                (IN THOUSANDS)                    
                                                                                                  
ASSETS:                                                                                           
Fixed maturity securities:                                                                        
 Foreign corporate......................... $         -- $    628,708 $      2,714  $     631,422 
 U.S. corporate............................           --      307,001       15,465        322,466 
 CMBS......................................           --       44,603       41,723         86,326 
 State and political subdivision...........           --      135,567           --        135,567 
 U.S. Treasury and agency..................      285,259        8,270           --        293,529 
 ABS.......................................           --      193,876        4,000        197,876 
 RMBS......................................           --       81,906           --         81,906 
 Foreign government........................           --       36,527           --         36,527 
                                            ------------ ------------ ------------  ------------- 
   Total fixed maturity securities.........      285,259    1,436,458       63,902      1,785,619 
                                            ------------ ------------ ------------  ------------- 
Short-term investments (1).................    3,824,840      425,354        4,996      4,255,190 
Derivative assets: (2)                                                                            
 Interest rate contracts...................          598    2,170,219           --      2,170,817 
 Foreign currency contracts................        3,864        1,051           --          4,915 
 Equity market contracts...................       14,146    2,000,970      461,580      2,476,696 
                                            ------------ ------------ ------------  ------------- 
   Total derivative assets.................       18,608    4,172,240      461,580      4,652,428 
                                            ------------ ------------ ------------  ------------- 
Net embedded derivatives within asset host                                                        
  contracts (3)............................           --           --      330,047        330,047 
                                            ------------ ------------ ------------  ------------- 
   Total assets............................ $  4,128,707 $  6,034,052 $    860,525  $  11,023,284 
                                            ============ ============ ============  ============= 
LIABILITIES:                                                                                      
Derivative liabilities: (2)                                                                       
 Interest rate contracts................... $     20,980 $    670,059 $         --  $     691,039 
 Foreign currency contracts................           --      177,496           --        177,496 
 Equity market contracts...................      105,452      416,032      275,979        797,463 
                                            ------------ ------------ ------------  ------------- 
   Total derivative liabilities............      126,432    1,263,587      275,979      1,665,998 
                                            ------------ ------------ ------------  ------------- 
Net embedded derivatives within liability                                                         
  host contracts (3).......................           --           --    8,831,285      8,831,285 
                                            ------------ ------------ ------------  ------------- 
   Total liabilities....................... $    126,432 $  1,263,587 $  9,107,264  $  10,497,283 
                                            ============ ============ ============  ============= 

--------                                                                        

(1)Short-term investments as presented in the tables above differ from the      
amounts presented in the balance sheets because certain short-term        
investments are not measured at estimated fair value on a recurring basis.

(2)Derivative amounts are presented gross in the tables above to reflect the    
presentation in the balance sheets, but are presented net for purposes of 
the rollforward in the Fair Value Measurements Using Significant          
Unobservable Inputs (Level 3) tables.                                     

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

(3)Net embedded derivatives within asset host contracts are presented within    
funds withheld at interest and premiums, reinsurance and other receivables
in the balance sheets. Net embedded derivatives within liability host     
 contracts are presented within other policy-related balances in the balance
sheets.                                                                   

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 and the Holding Company'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 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 Holding Company's Board of Directors 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.                                                                

  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                            

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

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 AND SHORT-TERM INVESTMENTS                                       

 When available, the estimated fair value of these investments 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.       

 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.                     

Level 2 Valuation Techniques and Key Inputs:                                

This level includes fixed maturity securities priced principally by     
independent pricing services using observable inputs. Short-term investments
within this level are of a similar nature and class to the Level 2 fixed    
maturity securities.                                                        

U.S. CORPORATE AND FOREIGN CORPORATE SECURITIES                           

These securities are principally valued using the market and income   
 approaches. Valuations are based primarily on quoted prices in markets that
  are not active, or using matrix pricing or other similar techniques that use
standard market observable inputs such as benchmark yields, spreads off   
benchmark yields, new issuances, issuer rating, duration, and trades of   
identical or comparable securities. Privately placed securities are valued
 using matrix pricing methodologies using standard market observable inputs,
and inputs derived from, or corroborated by, market observable data       
including market yield curve, duration, call provisions, observable prices
and spreads for similar publicly traded or privately traded issues that   
incorporate the credit quality and industry sector of the issuer and in   
certain cases, delta spread adjustments to reflect specific credit related
issues.                                                                   

STRUCTURED SECURITIES COMPRISED OF ABS, CMBS AND RMBS                     

These securities are principally valued using the market and income   
approaches. Valuations are based primarily on matrix pricing, discounted  
cash flow methodologies or other similar techniques using standard market 
inputs including spreads for actively traded securities, spreads off      
benchmark yields, expected prepayment speeds and volumes, current and     
forecasted loss severity, rating, weighted average coupon,                

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

weighted average maturity, average delinquency rates, geographic region,  
debt-service coverage ratios and issuance-specific information including, 
  but not limited to: collateral type, payment terms of the underlying assets,
payment priority within the tranche, structure of the security, deal      
performance and vintage of loans.                                         

STATE AND POLITICAL SUBDIVISION AND FOREIGN GOVERNMENT SECURITIES           

These securities are principally valued using the market approach.    
  Valuations are based primarily on matrix pricing or other similar techniques
 using standard market observable inputs including a benchmark U.S. Treasury
 yield or other yields, issuer ratings, broker-dealer quotes, issuer spreads
and reported trades of similar securities, including those within the same
sub-sector or with a similar maturity or credit rating.                   

U.S. TREASURY AND AGENCY SECURITIES                                         

These securities are principally valued using the market approach.    
Valuations are based primarily on quoted prices in markets that are not   
active or using matrix pricing or other similar techniques using standard 
 market observable inputs such as a benchmark U.S. Treasury yield curve, the
spread off the U.S. Treasury yield curve for the identical security and   
comparable securities that are actively traded.                           

Level 3 Valuation Techniques and Key Inputs:                                

In general, securities classified within Level 3 use many of the same 
 valuation techniques and inputs as described previously for in the Level 2.
However, if key inputs are unobservable, or if the investments are less   
liquid and there is very limited trading activity, the investments are    
generally classified as Level 3. The use of independent non-binding broker
quotations to value investments generally indicates there is a lack of    
 liquidity or a lack of transparency in the process to develop the valuation
 estimates, generally causing these investments to be classified in Level 3.

    Short-term investments within this level are of a similar nature and class
to the Level 3 securities described below; accordingly, the valuation     
techniques and significant market standard observable inputs used in their
valuation are also similar to those described below.                      

U.S. CORPORATE AND FOREIGN CORPORATE SECURITIES                           

These securities are principally valued using the market approach.    
  Valuations are based primarily on matrix pricing or other similar techniques
that utilize unobservable inputs or inputs that cannot be derived         
principally from, or corroborated by, observable market data, including   
illiquidity premium, delta spread adjustments to reflect specific         
  credit-related issues, credit spreads and inputs including 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. Certain 
valuations are based on independent non-binding broker quotations.        

STRUCTURED SECURITIES COMPRISED OF ABS AND CMBS                           

These securities are principally valued using the market and income   
approaches. Valuations are based primarily on matrix pricing, discounted  
  cash flow methodologies or other similar techniques that utilize inputs that
 are unobservable or cannot be derived principally from, or corroborated by,
observable market data including credit spreads. Below investment grade   
securities and sub-prime RMBS included in this level                      

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

 are valued based on inputs including 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. Certain of these valuations
are based on independent non-binding broker quotations.                   

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.         
Significant inputs that are observable generally include: interest rates,     
foreign currency exchange rates, interest rate curves, credit curves and      
volatility. However, 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. Significant inputs that are          
unobservable generally include references to emerging market currencies and   
inputs that are outside the observable portion of the interest rate curve,    
credit curve, volatility or other relevant market measure. 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.                  

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.                                                             

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

FREESTANDING DERIVATIVES                                                    

Level 2 Valuation Techniques 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. These   
derivatives are principally valued using the income approach.               

INTEREST RATE                                                             

NON-OPTION-BASED. -- Valuations are based on present value techniques,
which utilize significant inputs that may include the swap yield curve and
basis curves.                                                             

OPTION-BASED. -- Valuations are based on option pricing models, which 
utilize significant inputs that may include the swap yield curve, basis   
curves and interest rate volatility.                                      

FOREIGN CURRENCY EXCHANGE RATE                                            

NON-OPTION-BASED. -- Valuations are based on present value techniques,
which utilize significant inputs that may include the swap yield curve,   
basis curves, currency spot rates and cross currency basis curves.        

EQUITY MARKET                                                             

NON-OPTION-BASED. -- Valuations are based on present value techniques,
  which utilize significant inputs that may include the swap yield curve, spot
equity index levels and dividend yield curves.                            

OPTION-BASED. -- Valuations are based on option pricing models, which 
utilize significant inputs that may include the swap yield curve, spot    
equity index levels, dividend yield curves and equity volatility.         

Level 3 Valuation Techniques and Key Inputs:                                

These 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.
These valuation methodologies generally use the same inputs as described in 
the corresponding sections above 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.       

EQUITY MARKET                                                             

NON-OPTION-BASED. -- Significant unobservable inputs may include the  
extrapolation beyond observable limits of dividend yield curves and equity
volatility.                                                               

OPTION-BASED. -- Significant unobservable inputs may include the      
extrapolation beyond observable limits of dividend yield curves, equity   
volatility and unobservable correlation between model inputs.             

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

EMBEDDED DERIVATIVES                                                          

 Embedded derivatives principally include certain assumed and ceded variable
annuity guarantees and equity indexed crediting rates within certain funding  
agreements. Embedded derivatives are recorded at estimated fair value with    
changes in estimated fair value reported in net income.                       

  The fair value of these embedded derivatives, 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, is calculated by the Company's actuarial    
department. 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 the Holding Company's debt, including related credit     
default swaps.                                                                

 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 previously
described. These reinsurance agreements contain embedded derivatives which are
included within premiums, reinsurance and other receivables in the balance    
sheets with changes in estimated fair value reported in net derivative gains  
(losses) or policyholder benefits and claims depending on the statement of    
operations classification of the direct risk. The value of the embedded       
derivatives on the ceded risk is determined using a methodology consistent    
with that described previously with the exception of the input for            
nonperformance risk that reflects the credit of the reinsurer.                

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

The estimated fair value of the embedded derivatives within funds withheld
related to certain assumed 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 previously described in "--   
Investments -- Securities and Short-term Investments." The estimated fair     
value of these embedded derivatives is included, along with their funds       
withheld hosts, in derivative liabilities and funds withheld at interest in   
the 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.                                           

EMBEDDED DERIVATIVES WITHIN ASSET AND LIABILITY HOST CONTRACTS              

Level 3 Valuation Techniques and Key Inputs:                              

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 curve, 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 curve 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 " -- Assumed Guaranteed Minimum Benefits" and also include       
counterparty credit spreads.                                              

EMBEDDED DERIVATIVES WITHIN FUNDS WITHHELD RELATED TO CERTAIN ASSUMED     
REINSURANCE                                                               

These embedded derivatives are principally valued using an income     
approach. Valuations are based on present value techniques, which utilize 
 significant inputs that may include the swap yield curve 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.                    

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

TRANSFERS BETWEEN LEVELS 1 AND 2:                                           

   There were no transfers between Levels 1 and 2 for assets and liabilities
measured at estimated fair value and still held at December 31, 2013 and  
2012.                                                                     

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.                                                               

    Transfers into Level 3 for fixed maturity securities were due primarily to
a lack of trading activity, decreased liquidity and credit ratings        
downgrades (e.g., from investment grade to below investment grade) which  
have resulted in decreased transparency of valuations and an increased use
of independent non-binding broker quotations and unobservable inputs, such
as illiquidity premiums, delta spread adjustments, or credit spreads.     

   Transfers out of Level 3 for fixed maturity securities resulted primarily
from increased transparency of both new issuances that, subsequent to     
  issuance and establishment of trading activity, became priced by independent
pricing services and existing issuances that, over time, the Company was  
able to obtain pricing from, or corroborate pricing received from,        
independent pricing services with observable inputs (such as observable   
spreads used in pricing securities) or increases in market activity and   
upgraded credit ratings.                                                  

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

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, 2013        
                                                                                    --------------------------   
                                                              SIGNIFICANT                             WEIGHTED   
                            VALUATION TECHNIQUES           UNOBSERVABLE INPUTS          RANGE        AVERAGE (1) 
                       -------------------------------- --------------------------  -------------    ----------- 
                                                                                                                 
FIXED MATURITY SECURITIES: (3)                                                                                   
 U.S. corporate and                                                                                              
  foreign corporate... Matrix pricing                   Credit spreads (4)             95  -     95       95     
                                                        Illiquidity premium (4)        30  -     30       30     
                       ------------------------------------------------------------------------------------------
 CMBS................. Matrix pricing and discounted    Credit spreads (4)                                       
                         cash flow                                                    215  -    215      215     
                       Market pricing                   Quoted prices (5)             104  -    104      104     
                       Consensus pricing                Offered quotes (5)             90  -     92       91     
                       ------------------------------------------------------------------------------------------
DERIVATIVES:                                                                                                     
 Equity market........ Present value techniques         Volatility (7)                 13% -     28%             
                          or option pricing models      Correlation (9)                60% -     60%             
                       ------------------------------------------------------------------------------------------
EMBEDDED DERIVATIVES:                                                                                            
 Assumed and ceded     Option pricing techniques        Mortality rates:                0% -   0.10%             
  guaranteed minimum                                        Ages 0 - 40                                          
  benefits............                                                                                           
                                                            Ages 41 - 60             0.04% -   0.65%             
                                                            Ages 61 - 115            0.26% -    100%             
                                                        Lapse rates:                                             
                                                            Durations 1 -10          0.50% -    100%             
                                                            Durations 11 -20            3% -    100%             
                                                            Durations 21 -116           3% -    100%             
                                                        Utilization rates              20% -     50%             
                                                        Withdrawal rates             0.07% -     10%             
                                                        Long-term equity            17.40% -     25%             
                                                          volatilities                                           
                                                        Nonperformance               0.03% -   0.44%             
                                                          risk spread                                            
                       ------------------------------------------------------------------------------------------
                                                                [Download Table]

                                                                IMPACT OF    
                                     DECEMBER 31, 2012         INCREASE IN   
                                 --------------------------     INPUT ON     
                                                   WEIGHTED     ESTIMATED    
     VALUATION TECHNIQUES            RANGE        AVERAGE (1) FAIR VALUE (2) 
-------------------------------- -------------    ----------- -------------- 
                                                                             

Matrix pricing                     103  -    499      168       Decrease     
                                    30  -     30       30       Decrease     
-----------------------------------------------------------------------------
Matrix pricing and discounted                                                
  cash flow                                                   Decrease (6)   
Market pricing                     104  -    104      104     Increase (6)   
Consensus pricing                                             Increase (6)   
-----------------------------------------------------------------------------

Present value techniques            13% -     32%             Increase (8)   
   or option pricing models         65% -     65%                            
-----------------------------------------------------------------------------

Option pricing techniques            0% -   0.14%  Decrease (10)             

                                  0.05% -   0.75%             Decrease (10)  
                                  0.26% -    100%             Decrease (10)  

                                  0.50% -    100%             Decrease (11)  
                                     3% -    100%             Decrease (11)  
                                   2.5% -    100%             Decrease (11)  
                                    20% -     50%             Increase (12)  
                                  0.07% -     20%                 (13)       
                                 15.18% -     40%  Increase (14)             

                                  0.10% -   1.72%  Decrease (15)             

-----------------------------------------------------------------------------

--------                                                                        

(1)The weighted average for fixed maturity securities is determined based on    
the estimated fair value of the securities.                               

(2)The impact of a decrease in input would have the opposite impact on the      
estimated fair value. For embedded derivatives, changes to assumed        
 guaranteed minimum benefits are based on liability positions and 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 basis points.                    

(5)Range and weighted average are presented in accordance with the market       
convention for fixed maturity securities of dollars per hundred dollars of
par.                                                                      

(6)Changes in the assumptions used for the probability of default is            
  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.                                                     

(7)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.      

(8)Changes are based on long U.S. dollar net asset positions and will be        
inversely impacted for short U.S. dollar net asset positions.             

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

(9)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.                             

(10)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.              

(11)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.                                                             

(12)The utilization rate assumption estimates the percentage of contract        
holders 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.                                                    

(13)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.                                               

(14)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.                                                             

(15)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 embedded derivatives within funds withheld related to    
certain assumed reinsurance, use the same valuation techniques and significant  
unobservable inputs as previously described for Level 3 fixed maturity          
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 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.                     

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. 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:                                             
                                               --------------------------------------                                       
                                                FOREIGN    U.S.                       SHORT-TERM    EQUITY    NET EMBEDDED  
                                               CORPORATE CORPORATE   CMBS      ABS    INVESTMENTS   MARKET   DERIVATIVES (6)
                                               --------- --------- --------- -------- ----------- ---------- ---------------
                                                                              (IN THOUSANDS)                                
                                                                                                                            
YEAR ENDED DECEMBER 31, 2013:                                                                                               
Balance, January 1,........................... $  2,714  $  15,465 $  41,723 $  4,000  $  4,996   $  185,601  $(8,501,238)  
Total realized/unrealized gains (losses)                                                                                    
 included in:                                                                                                               
  Net income (loss): (1), (2).................                                                                              
   Net investment income......................       11       (63)     (242)       --         4           --            --  
   Net investment gains (losses)..............       --         --        --       --        --           --            --  
   Net derivative gains (losses)..............       --         --        --       --        --    (425,674)     6,789,870  
   Policyholder benefits and claims...........       --         --        --       --        --       18,720     (139,134)  
  OCI.........................................     (25)      (652)   (1,828)       --        --          252       291,536  
Purchases (3).................................       --         --    17,894       --        --        7,149            --  
Sales (3).....................................  (2,700)    (8,680)        --       --   (5,000)           --            --  
Settlements (3)...............................       --         --        --       --        --      (7,256)     (783,428)  
Transfers into Level 3 (4)....................       --      3,847        --       --        --           --            --  
Transfers out of Level 3 (4)..................       --         --        --  (4,000)        --           --            --  
                                               --------  --------- --------- --------  --------   ----------  ------------  
Balance, December 31,......................... $     --  $   9,917 $  57,547 $     --  $     --   $(221,208)  $(2,342,394)  
                                               ========  ========= ========= ========  ========   ==========  ============  
Changes in unrealized gains (losses) included                                                                               
 in net income (loss): (5)                                                                                                  
  Net investment income....................... $     --  $       4 $   (242) $     --  $     --   $       --  $         --  
  Net investment gains (losses)............... $     --  $      -- $      -- $     --  $     --   $       --  $         --  
  Net derivative gains (losses)............... $     --  $      -- $      -- $     --  $     --   $(414,667)  $  6,743,952  
  Policyholder benefits and claims............ $     --  $      -- $      -- $     --  $     --   $   18,720  $  (134,839)  

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

                                                        [Enlarge/Download Table]

                                             FAIR VALUE MEASUREMENTS USING SIGNIFICANT UNOBSERVABLE INPUTS (LEVEL 3)             
                                 ------------------------------------------------------------------------------------------------
                                       FIXED MATURITY SECURITIES:       EQUITY SECURITIES:                                       
                                 -------------------------------------- ------------------                                       
                                  FOREIGN    U.S.                         NON-REDEEMABLE   SHORT-TERM    EQUITY    NET EMBEDDED  
                                 CORPORATE CORPORATE   CMBS      ABS     PREFERRED STOCK   INVESTMENTS   MARKET   DERIVATIVES (6)
                                 --------- --------- --------- -------- ------------------ ----------- ---------- ---------------
                                                                          (IN THOUSANDS)                                         
                                                                                                                                 
YEAR ENDED DECEMBER 31,                                                                                                          
 2012:                                                                                                                           
Balance, January 1,............. $  2,533  $  15,114 $  41,724 $     --     $      --       $  39,967  $  844,062  $(7,033,096)  
Total realized/unrealized gains                                                                                                  
 (losses) included in:                                                                                                           
  Net income                                                                                                                     
   (loss): (1), (2)                                                                                                              
   Net investment income........       12       (16)     (164)       --            --              35          --            --  
   Net investment gains                                                                                                          
    (losses)....................       --         --        --       --            --              --          --            --  
   Net derivative gains                                                                                                          
    (losses)....................       --         --        --       --            --              --   (507,571)   (1,085,812)  
   Policyholder benefits and                                                                                                     
    claims......................       --         --        --       --            --              --      28,895        72,507  
  OCI...........................      169        (4)       163       --            --              --     (2,565)       259,765  
Purchases (3)...................       --      6,501        --    4,000            --           4,994      19,056            --  
Sales (3).......................       --      (701)        --       --            --        (40,000)    (43,500)            --  
Settlements (3).................       --         --        --       --            --              --   (152,776)     (714,602)  
Transfers into                                                                                                                   
 Level 3 (4)....................       --         --        --       --            --              --          --            --  
Transfers out of                                                                                                                 
 Level 3 (4)....................       --    (5,429)        --       --            --              --          --            --  
                                 --------  --------- --------- --------     ---------       ---------  ----------  ------------  
Balance, December 31,........... $  2,714  $  15,465 $  41,723 $  4,000     $      --       $   4,996  $  185,601  $(8,501,238)  
                                 ========  ========= ========= ========     =========       =========  ==========  ============  
Changes in unrealized gains                                                                                                      
 (losses) included in net                                                                                                        
 income (loss): (5)                                                                                                              
  Net investment income......... $     11  $       9 $   (163) $     --     $      --       $       2  $       --  $         --  
  Net investment gains                                                                                                           
   (losses)..................... $     --  $      -- $      -- $     --     $      --       $      --  $       --  $         --  
  Net derivative gains                                                                                                           
   (losses)..................... $     --  $      -- $      -- $     --     $      --       $      --  $(498,377)  $(1,139,890)  
  Policyholder benefits and                                                                                                      
   claims....................... $     --  $      -- $      -- $     --     $      --       $      --  $   28,895  $     75,146  

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

                                                        [Enlarge/Download Table]

                                            FAIR VALUE MEASUREMENTS USING SIGNIFICANT UNOBSERVABLE INPUTS (LEVEL 3)          
                                  ------------------------------------------------------------------------------------------ 
                                      FIXED MATURITY SECURITIES:     EQUITY SECURITIES:                                      
                                  ---------------------------------- ------------------                                      
                                   FOREIGN    U.S.                     NON-REDEEMABLE   SHORT-TERM   EQUITY    NET EMBEDDED  
                                  CORPORATE CORPORATE   CMBS    ABS   PREFERRED STOCK   INVESTMENTS  MARKET   DERIVATIVES (6)
                                  --------- --------- -------  ----- ------------------ ----------- --------  ---------------
                                                                        (IN THOUSANDS)                                       
                                                                                                                             
YEAR ENDED DECEMBER 31, 2011:                                                                                                
Balance, January 1,..............  $2,673    $10,430  $    --  $  --    $      2,835     $  49,980  $124,720    $(3,660,494) 
Total realized/unrealized gains                                                                                              
 (losses) included in:                                                                                                       
  Net income (loss): (1), (2)                                                                                                
   Net investment income.........      10          4     (104)    --              --            19        --             --  
   Net investment gains                                                                                                      
    (losses).....................      --          1       --     --            (292)           --        --             --  
   Net derivative gains                                                                                                      
    (losses).....................      --         --       --     --              --            --   563,864     (2,710,927) 
   Policyholder benefits and                                                                                                 
    claims.......................      --         --       --     --              --            --     7,131         70,390  
  OCI............................    (150)      (511)     104     --             337            --       409       (120,058) 
Purchases (3)....................      --         --   41,724     --              --        39,951   225,211             --  
Sales (3)........................      --     (1,974)      --     --          (2,880)      (49,983)       --             --  
Settlements (3)..................      --         --       --     --              --            --    (2,563)      (612,007) 
Transfers into Level 3 (4).......      --      7,164       --     --              --            --        --             --  
Transfers out of Level 3 (4).....      --         --       --     --              --            --   (74,710)            --  
                                   ------    -------  -------  -----    ------------     ---------  --------    -----------  
Balance, December 31,............  $2,533    $15,114  $41,724  $  --    $         --     $  39,967  $844,062    $(7,033,096) 
                                   ======    =======  =======  =====    ============     =========  ========    ===========  
Changes in unrealized gains                                                                                                  
 (losses) included in net income                                                                                             
 (loss): (5)                                                                                                                 
  Net investment income..........  $   10    $     4  $  (104) $  --    $         --     $      15  $     --    $        --  
  Net investment gains (losses)..  $   --    $     1  $    --  $  --    $       (292)    $      --  $     --    $        --  
  Net derivative gains (losses)..  $   --    $    --  $    --  $  --    $         --     $      --  $566,325    $ 2,735,936  
  Policyholder benefits and                                                                                                  
   claims........................  $   --    $    --  $    --  $  --    $         --     $      --  $  7,131    $   108,678  

--------                                                                        

(1)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). Lapses associated with net 
embedded derivatives are included in net derivative gains (losses).       

(2)Interest and dividend accruals, as well as cash interest coupons and         
dividends received, are excluded from the rollforward.                    

(3)The amount reported within purchases, sales, issuances and settlements is    
the purchase or issuance price and the sales or settlement proceeds based 
 upon the actual date purchased or issued and sold or settled, respectively.
  Items purchased/issued and sold/settled in the same period are excluded from
the rollforward. Fees attributed to embedded derivatives are included in  
settlements.                                                              

(4)Gains and losses, in net income (loss) and other comprehensive income        
(loss), 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.          

(5)Changes in unrealized gains (losses) included in net income (loss) relate to 
assets and liabilities still held at the end of the respective periods.   

(6)Embedded derivative assets and liabilities are presented net for purposes of 
the rollforward.                                                          

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

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, the obligation to return cash collateral received    
(included in other liabilities on the balance sheets) and 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 and, to a      
lesser extent, in Level 1, 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 table 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, 2013                    
                                             ---------------------------------------------------------
                                                             FAIR VALUE HIERARCHY                     
                                              CARRYING  -----------------------------  TOTAL ESTIMATED
                                               VALUE    LEVEL 1  LEVEL 2     LEVEL 3     FAIR VALUE   
                                             ---------- ------- ---------- ----------  ---------------
                                                                  (IN THOUSANDS)                      
                                                                                                      
ASSETS                                                                                                
Premiums, reinsurance and other receivables. $  228,140  $  --  $  224,672 $ (161,249)   $   63,423   
LIABILITIES                                                                                           
Debt -- affiliated.......................... $  575,118  $  --  $  592,278 $       --    $  592,278   
Other liabilities........................... $    3,836  $  --  $    3,836 $       --    $    3,836   

                                                                 DECEMBER 31, 2012                    
                                             ---------------------------------------------------------
                                                             FAIR VALUE HIERARCHY                     
                                              CARRYING  -----------------------------  TOTAL ESTIMATED
                                               VALUE    LEVEL 1  LEVEL 2     LEVEL 3     FAIR VALUE   
                                             ---------- ------- ---------- ----------  ---------------
                                                                  (IN THOUSANDS)                      
ASSETS                                                                                                
Premiums, reinsurance and other receivables. $  304,411  $  --  $  275,479 $  174,126    $  449,605   
LIABILITIES                                                                                           
Debt -- affiliated.......................... $   75,118  $  --  $   82,174 $       --    $   82,174   
Other liabilities........................... $       72  $  --  $       72 $       --    $       72   

 The methods, assumptions and significant valuation techniques and inputs used
to estimate the fair value of financial instruments are summarized as follows:  

PREMIUMS, REINSURANCE AND OTHER RECEIVABLES                                   

Premiums, reinsurance and other receivables are principally comprised of  
certain amounts recoverable under reinsurance agreements and amounts on       
deposit with financial institutions to facilitate daily settlements related to
certain derivatives.                                                          

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

7. FAIR VALUE (CONTINUED)                                                       

Premiums receivable and those amounts recoverable under reinsurance       
agreements determined to transfer significant risk are not financial          
instruments subject to disclosure and thus have been excluded from the amounts
presented. 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.                         

DEBT -- AFFILIATED                                                            

The estimated fair value of debt is principally determined using market 
standard valuation methodologies. Valuations 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, observable prices 
and spreads for similar publicly traded or privately traded issues.         

OTHER LIABILITIES                                                             

Other liabilities consist primarily of interest payable. 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.                                           

8. DEBT -- AFFILIATED                                                           

The table below presents information for the Company's long-term and        
short-term debt-affiliated outstanding at:                                      

                                                                [Download Table]

                                                          DECEMBER 31,    
                                                      --------------------
                               INTEREST RATE MATURITY    2013      2012   
                               ------------- -------- ---------- ---------
                                                         (IN THOUSANDS)   
                                                      --------------------
                                                                          
SHORT-TERM AND LONG-TERM DEBT                                             
 Surplus note.................     6.798%      2014   $   75,118 $  75,118
 Senior notes.................     2.470%      2015      500,000        --
                                                      ---------- ---------
   Total debt-affiliated......                        $  575,118 $  75,118
                                                      ========== =========

On October 15, 2013, the Company issued $500.0 million of guaranteed senior 
notes, Series A, to various affiliates, maturing in 2015 with an interest rate  
of 2.47%.                                                                       

On September 27, 2012, the Holding Company assumed $750.0 million of the    
Company's senior notes with interest rates of 6.440% and 5.330%, payable to an  
affiliate. In exchange for the assumption of senior notes, the                  

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

8. DEBT -- AFFILIATED (CONTINUED)                                               

Company issued to the Holding Company 75,000 shares of Series A 7.69%           
non-cumulative perpetual preferred shares with a par value of $1 per share and  
a liquidity preference of $10,000 per share. The dividend is payable            
semi-annually. (See Note 9 for additional information on preferred stock).      

On December 19, 2012, the Holding Company assumed $1,250.0 million of the   
Company's senior notes with interest rates of 7.440%, 5.640% and 5.860%,        
payable to various affiliates. In exchange for the assumption of senior notes,  
the Company issued to the Holding Company 125,000 shares of Series A 7.75%      
non-cumulative perpetual preferred shares with a par value of $1 per share and  
a liquidity preference of $10,000 per share. The dividend is payable            
semi-annually. (See Note 9 for additional information on preferred stock).      

 On July 15, 2011, the Company issued a $500.0 million guaranteed senior note,
Series A, to various affiliates, maturing in 2021 with an interest rate of      
5.64%.                                                                          

On December 16, 2011, the Company issued a $500.0 million guaranteed senior 
note, Series B, to various affiliates, maturing in 2021 with an interest rate   
of 5.86%.                                                                       

Interest expense related to the Company's indebtedness, included in other   
expenses, was $7.7 million, $112.6 million and $83.3 million for the years      
ended December 31, 2013, 2012 and 2011, respectively.                           

LETTERS OF CREDIT                                                             

The Company had access to certain letter of credit agreements totaling    
$5,450.0 million in letter of credit capacity from various banks, either      
directly with the bank or indirectly through letters of credit available to   
the Holding Company for the benefit of the Company and certain other          
affiliates of the Holding Company. At December 31, 2013, the Company had      
$802.0 million in outstanding letters of credit. The letters of credit were   
used to collateralize assumed liabilities.                                    

Letters of credit outstanding as of December 31, 2013 were as follows:      

                                                        [Enlarge/Download Table]

                                                                USED BY    USED BY    REMAINING  
BORROWER(S)                       EXPIRATION       CAPACITY   THE COMPANY AFFILIATES   UNUSED    
----------------------------- ------------------ ------------ ----------- ---------- ------------
                                                        (IN THOUSANDS)                           
                                                                                                 
Exeter.......................  December 2027 (1) $    650,000 $  600,000  $       -- $     50,000
Holding Company and MetLife                                                                      
  Funding, Inc............... September 2017 (1)    1,000,000         --      59,000      941,000
Holding Company and MetLife                                                                      
  Funding, Inc...............        August 2016    3,000,000      2,000     130,789    2,867,211
Exeter, Holding Company &                                                                        
  Missouri Reinsurance, Inc..          June 2016      500,000         --     490,000       10,000
Holding Company..............        August 2014      300,000    200,000     100,000           --
                                                 ------------ ----------  ---------- ------------
 Total.......................                    $  5,450,000 $  802,000  $  779,789 $  3,868,211
                                                 ============ ==========  ========== ============

--------                                                                        

(1)The Holding Company is a guarantor under this agreement.                     

9. STOCKHOLDER'S EQUITY                                                         

Effective October 1, 2013 in conjunction with the Company's redomestication 
to Delaware the stockholder's equity was restructured.                          

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

9. STOCKHOLDER'S EQUITY (CONTINUED)                                             

Information regarding the restructure was as follows at:                    

                                                                [Download Table]

                                      DECEMBER 31,     
                                  ---------------------
                                     2013       2012   
                                  ---------- ----------
                                                       
COMMON STOCK                                           
Shares authorized................ 13,875,000 14,125,000
Shares issued.................... 13,466,000 13,466,000
Shares outstanding............... 13,466,000 13,466,000
Par value per share..............      $0.01      $1.00

                                      DECEMBER 31,     
                                  ---------------------
                                     2013       2012   
                                  ---------- ----------
PREFERRED STOCK                                        
Shares authorized................    250,000    200,000
Shares issued....................    200,000    200,000
Shares outstanding...............    200,000    200,000
Par value per share..............      $0.01      $1.00
Liquidation preference per share.    $10,000    $10,000

PREFERRED STOCK                                                                 

On September 27, 2012, the Company issued to the Holding Company 75,000     
shares of 7.69% Series A non-cumulative perpetual preferred stock in exchange   
for the assumption of $750.0 million of the Company's senior notes. See Note 8. 

On December 19, 2012, the Company issued to the Holding Company 125,000     
shares of 7.75% Series A non-cumulative perpetual preferred stock in exchange   
for the assumption of $1,250.0 million of the Company's senior notes. See Note  
8.                                                                              

EQUITY                                                                          

Under Delaware Law, the Company is required to maintain minimum capital of  
$250 thousand. The Company was in compliance with this requirement at           
December 31, 2013.                                                              

Under the Law, the Company was required to maintain net worth of $240       
thousand. The Company was in compliance with this requirement at September 30,  
2013 (prior to redomestication to Delaware) and December 31, 2012.              

During the year ended December 31, 2013, the Company received no capital    
contributions from the Holding Company. The Company received capital            
contributions of $800.0 million and $673.0 million in cash from the Holding     
Company during the years ended December 31, 2012 and 2011.                      

During the years ended December 31, 2013, 2012 and 2011, the Holding Company
paid and contributed, on the Company's behalf, $26.8 million, $33.4 million and 
$30.9 million, respectively, in the form of letter of credit fees.              

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

9. STOCKHOLDER'S EQUITY (CONTINUED)                                             

DIVIDEND RESTRICTIONS                                                           

Under the strategic business plan of the company approved by the Delaware   
Insurance commissioner (the "Commissioner"), the company may not declare or pay 
dividend in any form to its parent without the approval of the Commissioner and 
in no event shall the Commissioner grant such approval if the dividend would    
result in the insolvency or impairment of the Company.                          

The company paid non-cumulative perpetual preferred stock dividend to the   
Holding company of $132.5 million during the year ended December 31, 2013. The  
Company did not pay a dividend to the Holding Company during the years ended    
December 31, 2012 and 2011.                                                     

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)                                   

Information regarding changes in the balances of each component of AOCI, net
of income tax, was as follows:                                                  

                                                        [Enlarge/Download Table]

                                                       UNREALIZED      FOREIGN              
                                                    INVESTMENT GAINS  CURRENCY              
                                                    (LOSSES), NET OF TRANSLATION            
                                                    RELATED OFFSETS  ADJUSTMENT     TOTAL   
                                                    ---------------- ----------- -----------
                                                                 (IN THOUSANDS)             
                                                                                            
Balance at December 31, 2010.......................   $     3,341    $    39,291 $    42,632
OCI before reclassifications.......................        39,974       (15,751)      24,223
Income tax expense (benefit).......................      (13,991)             --    (13,991)
                                                      -----------    ----------- -----------
 OCI before reclassifications, net of income tax...        29,324         23,540      52,864
Amounts reclassified from AOCI.....................       (4,425)             --     (4,425)
Income tax expense (benefit).......................         1,549             --       1,549
                                                      -----------    ----------- -----------
 Amounts reclassified from AOCI, net of income tax.       (2,876)             --     (2,876)
                                                      -----------    ----------- -----------
Balance at December 31, 2011.......................        26,448         23,540      49,988
OCI before reclassifications.......................        29,412         13,028      42,440
Income tax expense (benefit).......................      (10,294)             --    (10,294)
                                                      -----------    ----------- -----------
 OCI before reclassifications, net of income tax...        45,566         36,568      82,134
Amounts reclassified from AOCI.....................       (4,395)             --     (4,395)
Income tax expense (benefit).......................         1,538             --       1,538
                                                      -----------    ----------- -----------
 Amounts reclassified from AOCI, net of income tax.       (2,857)             --     (2,857)
                                                      -----------    ----------- -----------
Balance at December 31, 2012.......................        42,709         36,568      79,277
OCI before reclassifications.......................      (54,557)         26,548    (28,009)
Income tax expense (benefit).......................        19,094             --      19,094
                                                      -----------    ----------- -----------
 OCI before reclassifications, net of income tax...         7,246         63,116      70,362
Amounts reclassified from AOCI.....................       (2,077)             --     (2,077)
Income tax expense (benefit).......................           727             --         727
                                                      -----------    ----------- -----------
 Amounts reclassified from AOCI, net of income tax.       (1,350)             --     (1,350)
                                                      -----------    ----------- -----------
Balance at December 31, 2013.......................   $     5,896    $    63,116 $    69,012
                                                      ===========    =========== ===========

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

9. STOCKHOLDER'S EQUITY (CONTINUED)                                             

 Information regarding amounts reclassified out of each component of AOCI, was
as follows:                                                                     

                                                        [Enlarge/Download Table]

                                                                                          STATEMENT OF OPERATIONS AND     
AOCI COMPONENTS                                  AMOUNTS RECLASSIFIED FROM AOCI       COMPREHENSIVE INCOME (LOSS) LOCATION
------------------------------------------ ------------------------------------------ ------------------------------------
                                                    YEARS ENDED DECEMBER 31,                                              
                                           ------------------------------------------                                     
                                               2013          2012           2011                                          
                                           ------------ -------------- --------------                                     
                                                         (IN THOUSANDS)                                                   
                                                                                                                          
Net unrealized investment gains (losses):                                                                                 
  Net unrealized investment gains                                                                                         
   (losses)............................... $      2,066 $        4,387 $        4,426 Other net investment gains (losses) 
  Net unrealized investment gains                                                                                         
   (losses)...............................           11              8            (1) Net investment income               
                                           ------------ -------------- --------------                                     
   Net unrealized investment gains                                                                                        
    (losses), before income tax...........        2,077          4,395          4,425                                     
   Income tax (expense) benefit...........        (727)        (1,538)        (1,549)                                     
                                           ------------ -------------- --------------                                     
   Net unrealized investment gains                                                                                        
    (losses), net income tax.............. $      1,350 $        2,857 $        2,876                                     
                                           ============ ============== ==============                                     
Total reclassification, net of income tax. $      1,350 $        2,857 $        2,876                                     
                                           ============ ============== ==============                                     

10. OTHER EXPENSES                                                              

Information on other expenses was as follows:                               

                                                                [Download Table]

                                                      YEARS ENDED DECEMBER 31,    
                                                  --------------------------------
                                                     2013       2012       2011   
                                                  ---------- ---------- ----------
                                                           (IN THOUSANDS)         
                                                                                  
Commissions...................................... $   11,775 $   11,116 $    9,155
Volume-related costs.............................     26,816     33,524     30,929
Affiliated costs of reinsurance..................     72,517        297     12,073
Capitalization of DAC............................    (2,013)    (1,760)    (2,955)
Amortization of DAC..............................   (21,146)     43,204     31,527
Interest expense on debt and debt issuance costs.      7,714    112,646     83,296
Premium taxes, licenses & fees...................         25          9         34
Professional services............................        468        858         84
Other............................................      5,051      6,947      5,740
                                                  ---------- ---------- ----------
  Total other expenses........................... $  101,207 $  206,841 $  169,883
                                                  ========== ========== ==========

CAPITALIZATION AND AMORTIZATION OF DAC                                          

See Note 2 for additional information on DAC including impacts of           
capitalization and amortization.                                                

AFFILIATED EXPENSES                                                             

Commissions, volume-related costs and capitalization and amortization of DAC
include the impact of affiliated reinsurance transactions.                      

See Notes 4 and 8 for a discussion of affiliated expenses included in the   
table above.                                                                    

INTEREST EXPENSE ON DEBT                                                        

See Note 8 for attribution of interest expense by debt issuance.            

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

11. INCOME TAX                                                                  

The provision for income tax was as follows:                                

                                                                [Download Table]

                                                  YEARS ENDED DECEMBER 31,      
                                            ------------------------------------
                                               2013         2012         2011   
                                            ---------- -------------- ----------
                                                       (IN THOUSANDS)           
                                                                                
Current:                                                                        
 Federal................................... $(267,685) $    (363,174) $  273,521
 Foreign...................................         50             50         --
                                            ---------- -------------- ----------
                                             (267,635)      (363,124)    273,521
Deferred:                                                                       
 Federal...................................    631,850    (1,092,375)  (179,444)
                                            ---------- -------------- ----------
Provision for income tax expense (benefit). $  364,215 $  (1,455,499) $   94,077
                                            ========== ============== ==========

The reconciliation of the income tax provision at the U.S. statutory rate to
the provision for income tax as reported was follows:                           

                                                                [Download Table]

                                                 YEARS ENDED DECEMBER 31,      
                                            -----------------------------------
                                               2013         2012        2011   
                                            ---------- -------------- ---------
                                                      (IN THOUSANDS)           
                                                                               
Tax provision at U.S. statutory rate....... $  362,691 $  (1,455,439) $  94,077
Tax effect of:                                                                 
Other......................................      1,464             --        --
Tax exempt investment income...............         --           (60)        --
Prior year tax.............................         60             --        --
                                            ---------- -------------- ---------
Provision for income tax expense (benefit). $  364,215 $  (1,455,499) $  94,077
                                            ========== ============== =========

Deferred income tax represents the tax effect of the differences between the
book and tax basis of assets and liabilities. Net deferred income tax assets    
and liabilities consisted of the following at:                                  

                                                                [Download Table]

                                                 DECEMBER 31,       
                                           -------------------------
                                               2013         2012    
                                           ------------ ------------
                                                (IN THOUSANDS)      
                                                                    
Deferred income tax assets:                                         
 Benefit, reinsurance and other reserves.. $    726,167 $  2,752,083
 Investments, including derivatives.......      821,544           --
 Net operating loss.......................       67,235           --
 Tax credits..............................          113           --
 Other....................................           --          753
                                           ------------ ------------
                                              1,615,059    2,752,836
                                           ------------ ------------
Deferred income tax liabilities:                                    
 Net unrealized investment gains..........        3,176       22,997
 DAC......................................       35,280       33,288
 Investments, including derivatives.......           --      429,480
 Other....................................       47,139           --
                                           ------------ ------------
                                                 85,595      485,765
                                           ------------ ------------
Net deferred income tax asset (liability). $  1,529,464 $  2,267,071
                                           ============ ============

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

11. INCOME TAX (CONTINUED)                                                      

Domestic net operating carryforwards of $192,099 thousand at December 31,   
2013 will expire beginning in 2028. Tax credit carryforwards of $113 thousand   
at December 31, 2013 will expire beginning in 2022.                             

The lack of a valuation allowance reflects management's assessment, based on
available information, that it is more likely than not that the deferred income 
tax asset will be realizable. In 2013, management believes that it is more      
likely than not that the results of future operations will generate sufficient  
taxable income to realize gross deferred tax assets. Accordingly, the Company   
has not recorded a valuation allowance against its gross deferred tax assets.   
The Company has determined that a valuation allowance against its deferred tax  
assets is not appropriate as of the year ended December 31, 2012.               

Prior to October 1, 2013, the Company was registered as an exempted company 
pursuant to the Companies Law of the Cayman Islands. No local income, profits   
or capital gains taxes are levied in the Cayman Islands at the current time. As 
a result, no provision for such taxes is recorded by the Company.               

Prior to the re-domestication, the Company made an election to be treated as
an U.S. Domestic entity under Internal Revenue Code Section ("Sec.") 953(d).    
The election under Sec. 953(d) is valid through December 31, 2013. The Company  
joins with the Holding Company and its includable life insurance and non-life   
insurance subsidiaries in filing a consolidated U.S. federal income tax return  
in accordance with the provision of the Code. Pursuant to this tax sharing      
agreement, the amount due from the Holding Company was $196.6 million and       
$261.7 million at December 31, 2013 and 2012, respectively.                     

The Company files income tax returns with the U.S. federal government and is
under continuous examination by the Internal Revenue Service. The Company is no 
longer subject to U.S. federal income tax examinations for years prior to 2003, 
with the exception of the period October 31, 2000 through December 31, 2000.    
The IRS audit cycle for the years 2003 through 2006, which began in April 2010, 
is expected to conclude in 2014. It is not expected to have a material impact   
on the financial statements. As of December 31, 2013, the Company had no        
liability for unrecognized tax benefits.                                        

12. CONTINGENCIES AND COMMITMENTS                                               

 There is no pending or threatened litigation, claim or assessment against the
Company that would constitute a material loss contingency.                      

Various litigation, claims or assessments against the Company may arise in  
the ordinary course of the Company's business. Liabilities for litigations,     
claims or assessments are established when it is probable that a loss has been  
incurred and the amount of the loss can be reasonably estimated. The Company    
regularly reviews relevant information with respect to liabilities for          
litigation, regulatory investigations and litigation-related contingencies to   
be reflected in the Company's financial statements. Based on information        
currently known by the Company's management, in its opinion, there are no       
current legal proceedings, likely to have such an effect. However, it is        
possible that an adverse outcome in a litigation matter, should such a          
litigation matter arise in the future, could have a material effect on the      
Company's net income or cash flows.                                             

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EXETER REASSURANCE COMPANY, LTD.  

NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)  

13. OTHER RELATED PARTY TRANSACTIONS                                            

 The Company had net payables to affiliates of $593 thousand and $877 thousand
at December 31, 2013 and 2012, respectively. These payables exclude affiliated  
reinsurance balances discussed in Note 4 and affiliated debt balances discussed 
in Note 8.                                                                      

See Note 5 for additional related party transactions.                       

14. SUBSEQUENT EVENTS                                                           

In anticipation of the Mergers, certain risks formerly reinsured by Exeter  
were re-directed to affiliates through various forms of transactions. For       
certain risks that were re-directed in October 2014 and November 2014, the      
agreement terms included that the initial settlement amounts were to be based   
upon the reinsurance balances at September 30, 2014. The estimated impacts of   
these transactions to Exeter were a decrease in cash and invested assets of     
$2.6 billion, a decrease in future policy benefits of $500 million, a decrease  
in policyholder account balances of $1.2 billion and a decrease in other        
policy-related balances of $800 million. Also as a result of these              
transactions, Exeter recorded an estimated net loss of $100 million during the  
fourth quarter of 2014. These estimated amounts will be adjusted to actual      
settlement amounts by January 2015, in accordance with the applicable           
reinsurance recapture agreements' terms. The Company expects to enter into      
another affiliated reinsurance transaction on or around November 10, 2014. The  
estimated impacts, based upon the account balances at September 30, 2014, are a 
decrease in cash and invested assets of $400 million, a decrease in future      
policy benefits of $500 million, offset by an increase in other policy-related  
balances of $100 million. It is likely that the final settlement amounts of     
these reinsurance transactions, that will consider additional available         
information, will differ from the estimated amounts and it is possible the      
differences may be material.                                                    

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PART C

OTHER INFORMATION 

ITEM 24. FINANCIAL STATEMENTS AND EXHIBITS                                      

                                                        [Enlarge/Download Table]
                                                                                                         
a.   Financial Statements                                                                                
     --------------------                                                                                

The financial statements and financial highlights of each of the Sub-Accounts 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, 2013                                        

3.   Statements of Operations for the year ended December 31, 2013                                       

4.   Statements of Changes in Net Assets for the years ended December 31, 2013 and 2012                  

5.   Notes to the Financial Statements                                                                   

The unaudited pro forma condensed combined financial statements of MetLife Insurance Company of          
Connecticut are included in Part B hereof and include:                                                   

1.   Unaudited Pro Forma Condensed Combined Balance Sheet as of December 31, 2013                        

2.   Unaudited Pro Forma Condensed Combined Statement of Operations for the year end December 31,        
     2013                                                                                                

3.   Unaudited Pro Forma Condensed Combined Statement of Operations for the year end December 31,        
     2012                                                                                                

4.   Unaudited Pro Forma Condensed Combined Statement of Operations for the year end December 31,        
     2011                                                                                                

5.   Notes to the Unaudited Pro Forma Condensed Combined Financial Statements                            

The consolidated financial statements and financial statement schedules of MetLife Insurance Company of  
Connecticut 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, 2013 and 2012                                        

3.   Consolidated Statements of Operations for the years ended December 31, 2013, 2012 and 2011          

4.   Consolidated Statements of Comprehensive Income (Loss) for the years ended December 31, 2013, 2012  
     and 2011                                                                                            

5.   Consolidated Statements of Stockholders' Equity for the years ended December 31, 2013, 2012 and     
     2011                                                                                                

6.   Consolidated Statements of Cash Flows for the years ended December 31, 2013, 2012 and 2011          

7.   Notes to the Consolidated Financial Statements                                                      

8.   Financial Statement Schedules                                                                       

The financial statements of MetLife Investors Insurance Company are included in Part B hereof and        
include:                                                                                                 

1.   Independent Auditors' Report                                                                        

2.   Balance Sheets as of December 31, 2013 and 2012                                                     

3.   Statements of Operations for the years ended December 31, 2013, 2012 and 2011                       

4.   Statements of Comprehensive Income (Loss) for the years ended December 31, 2013, 2012 and 2011      

5.   Statements of Stockholder's Equity for the years ended December 31, 2013, 2012 and 2011             

6.   Statements of Cash Flows for the years ended December 31, 2013, 2012 and 2011                       

7.   Notes to the Financial Statements                                                                   

The financial statements of Exeter Reassurance Company, Ltd. are included in Part B hereof and include:  

1.   Independent Auditors' Report                                                                        

2.   Balance Sheets as of December 31, 2013 and 2012                                                     

3.   Statements of Operations for the years ended December 31, 2013, 2012 and 2011                       


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                                                        [Enlarge/Download Table]
                                                                                                 
4. Statements of Comprehensive Income (Loss) for the years ended December 31, 2013, 2012 and 2011

5. Statements of Stockholder's Equity for the years ended December 31, 2013, 2012 and 2011       

6. Statements of Cash Flows for the years ended December 31, 2013, 2012 and 2011                 

7. Notes to the Financial Statements                                                             


                                                        [Enlarge/Download Table]
                                                                                                               
b.          Exhibits                                                                                           
            -----                                                                                              

1. (i)      Certification of Restated Resolutions of the Board of Directors of MetLife Investors USA Insurance 
            Company authorizing the establishment of the Separate Account (adopted May 18, 2004) (3)           

   (ii)     Resolutions of the Board of Directors of MetLife Investors USA Insurance Company (including        
            Agreement and Plan of Merger attached as Exhibit B to the resolutions) (adopted August 13, 2014)   
            (filed herewith)                                                                                   

   (iii)    Resolutions of the Board of Directors of MetLife Insurance Company of Connecticut authorizing the  
            establishment of the Separate Account (adopted September 17, 2014) (filed herewith)                

2.          Not Applicable.                                                                                    

3. (i)(a)   Distribution and Principal Underwriting Agreement between MetLife Insurance Company of Connecticut 
            and MetLife Investors Distribution Company (effective November 24, 2009) (7)                       

   (i)(b)   Amendment to Distribution and Principal Underwriting Agreement between MetLife Insurance Company   
            of Connecticut and MetLife Investors Distribution Company (dated August 18, 2014) (filed herewith) 

   (ii)     Form of Enterprise Selling Agreement 09-12 (MetLife Investors Distribution Company Sales Agreement)
            (20)                                                                                               

4. (i)      Individual Flexible Purchase Payment Deferred Variable Annuity Contract (7010 (11/00)) (1)         

   (ii)     Death Benefit Rider - (Principal Protection) (Form 7015 (11/00)) (1)                               

   (iii)    Death Benefit Rider - (Annual Step-Up) (Form 7017 (11/00)) (1)                                     

   (iiv)    Additional Death Benefit Rider - (Earnings Preservation Benefit) (Form 7019 (11/00)) (1)           

   (v)      Waiver of Withdrawal Charge for Nursing Home or Hospital Confinement Rider (Form 7021 (11/00))     
               (1)                                                                                             

   (vi)     Terminal Illness Rider (Form 7022 (11/00)) (1)                                                     

   (vii)    Unisex Annuity Rates Rider (Form 7027 (11/00)) (1)                                                 

   (viii)   Endorsement (Name Change - effective March 1, 2001. MetLife Investors USA Insurance Company;       
            formerly Security First Life Insurance Company) (2)                                                

   (ix)     Individual Retirement Annuity Endorsement 8023.1 (9/02) (3)                                        

   (x)      Roth Individual Retirement Annuity Endorsement 8024.1 (9/02) (3)                                   

   (xi)     401(a)/403(a) Plan Endorsement 8025.1 (9/02) (3)                                                   

   (xii)    Tax Sheltered Annuity Endorsement 8026.1 (9/02) (3)                                                

   (xiii)   Simple Individual Retirement Annuity Endorsement 8276 (9/02) (3)                                   

   (xiv)    Guaranteed Withdrawal Benefit Rider MLIU-690-2 (11/05) (5)                                         

   (xv)     Form of Contract Schedule [GMIB II, GMIB III, GWB I, GWB Enhanced, GWB II, GWB III, GMAB]          
            8028-4 (11/05) (6)                                                                                 

   (xvi)    Designated Beneficiary Non-Qualified Annuity Endorsement MLIU-NQ-1 (11/05)-I (6)                   

   (xvii)   Lifetime Guaranteed Withdrawal Benefit Rider MLIU-690-3 (6/06) (LWG I) (8)                         

   (xviii)  Form of Contract Schedule [LWG I, et al.] 8028-5 (6/06) (8)                                        

   (xvix)   Form of Contract Schedule [M & E] 8028-1 (2/07) - PEIV (4)                                         

   (xx)     Fixed Account Rider 8012 (11/00) (9)                                                               

   (xxi)    Form of Tax-Sheltered Annuity Endorsement MLIU-398-3 (12/08) (10)                                  

   (xxii)   Merger Endorsement (effective November 14, 2014) (MetLife Investors USA Insurance Company          
            merged into MetLife Insurance Company USA) 6-E118-14 (filed herewith)                              

   (xxiii)  Non-qualified Annuity Endorsement MLIU-NQ (11/04) - I (filed herewith)                             


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                                                        [Enlarge/Download Table]
                                                                                                                        
5.           Form of Variable Annuity Application 8401 (6/11) APPPE4 Nov 2014 (filed herewith)                          

6. (i)       Copy of Certificate of Incorporation of the Company and Certificate of Amendment (effective November       
             14, 2014) (filed herewith)                                                                                 

   (ii)      Copy of the Bylaws of the Company (filed herewith)                                                         

7.           Not Applicable.                                                                                            

8. (i)(a)    Participation Agreement Among Met Investors Series Trust, Met Investors Advisory, LLC, MetLife             
             Investors Distribution Company, The Travelers Insurance Company and The Travelers Life and Annuity         
             Company (effective 11-01-05) (11)                                                                          

   (i)(b)    First Amendment to Participation Agreement Among Met Investors Series Trust, MetLife Advisers, LLC,        
             MetLife Investors Distribution Company and MetLife Insurance Company of Connecticut (effective             
             05-01-09) (12)                                                                                             

   (i)(c)    Amendment to Participation Agreement in effect Among Met Investors Series Trust, MetLife Advisers,         
             LLC, MetLife Investors Distribution Company and MetLife Insurance Company of Connecticut, et al.           
             (effective 4-30-10) (12)                                                                                   

   (i)(d)    Amendment to Participation Agreement with Met Investors Series Trust (effective November 17, 2014)         
             (filed herewith)                                                                                           

   (ii)(a)   Participation Agreement Among Metropolitan Series Fund, Inc., MetLife Advisers, LLC, MetLife               
             Investors Distribution Company, MetLife Insurance Company of Connecticut (effective 08-31-07) (13)         

   (ii)(b)   Amendment to Participation Agreement in effect Among Metropolitan Series Fund, Inc., MetLife               
             Advisers, LLC, MetLife Investors Distribution Company and MetLife Insurance Company of                     
             Connecticut, et al. (effective 04-30-10) (12)                                                              

   (iii)(a)  Fund Participation Agreement Among The Travelers Insurance Company, The Travelers Life and                 
             Annuity Company, American Variable Insurance Series, American Funds Distributors, Inc. and Capital         
             Research and Management Company (effective 10-01-99) (14)                                                  

   (iii)(b)  Amendment to the Participation Agreement between American Funds Insurance Series, Capital Research         
             and Management Company and MetLife Insurance Company of Connecticut, et al. (effective 04-30-10)           
             (15)                                                                                                       

   (iii)(c)  Amendment to the Participation Agreement with American Funds Insurance Series (effective November          
             17, 2014 (filed herewith)                                                                                  

   (iv)(a)   Participation agreement among AIM Variable Insurance Funds, A I M Distributors, Inc., The Travelers        
             Insurance Company, The Travelers Life and Annuity Company and Travelers Distribution LLC (effective        
             10-1-00) and Amendments (effective 05-01-03, 03-31-05, 03-31-08) (14)                                      

   (iv)(b)   Amendment to Participation Agreement among AIM Variable Insurance Funds, A I M Distributors, Inc.,         
             MetLife Insurance Company of Connecticut and MetLife Investors Distribution Company (effective             
             04-30-10) (16)                                                                                             

   (iv)(c)   Amendment to Participation Agreement among AIM Variable Insurance Funds (Invesco Variable                  
             Insurance Funds) ("AVIF"), Invesco Distributors, Inc. and MetLife Insurance Company of Connecticut,        
             et al. (effective 04-30-10) (16)                                                                           

   (iv)(d)   Amendment to Participation Agreement among AIM Variable Insurance Funds (Invesco Variable                  
             Insurance Funds) (effective November 17, 2014) (filed herewith)                                            

   (v)(a)    Amended and Restated Participation Agreement among Fidelity(R) Variable Insurance Products Fund,           
             Fidelity Distributors Corporation and The Travelers Insurance Company (effective 05-01-01) and             
             Amendments (effective 05-01-03 and 12-08-04) (14)                                                          

   (v)(b)    Summary Prospectus Agreement among Fidelity Distributors Corporation and MetLife Insurance                 
             Company of Connecticut, et al. (effective 04-30-10) (17)                                                   

   (v)(c)    Amendment to the Fidelity(R) Variable Insurance Products Funds (effective November 17, 2014) and Amendments
             dated 10-01-05 and 04-28-08 (filed herewith)                                                               

   (vi)(a)   Amended and Restated Participation Agreement among Franklin Templeton Variable Insurance Products          
             Trust, Franklin/Templeton Distributors, Inc., The Travelers Insurance Company, The Travelers Life and      
             Annuity Company and Travelers Distribution LLC (effective 05-01-04) and Amendment No. 1 (effective         
             05-02-05) (14)                                                                                             


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     (vi)(b)   Amendment No. 5 to the Amended and Restated Participation Agreement among Franklin Templeton          
               Variable Insurance Products Trust, Franklin/Templeton Distributors, Inc., MetLife Insurance Company of
               Connecticut and MetLife Investors Distribution Company (effective 10-05-10) (17)                      

     (vi)(c)   Participation Agreement Addendum among Franklin Templeton Variable Insurance Products Trust,          
               Franklin/Templeton Distributors, Inc., MetLife Insurance Company of Connecticut and MetLife Investors 
               Distribution Company (effective 05-01-11) (12)                                                        

     (vi)(d)   Amendment to the Participation Agreement among Franklin Templeton Variable Insurance Products         
               Trust, Franklin/Templeton Distributors, Inc., MetLife Insurance Company of Connecticut and MetLife    
               Investors Distribution Company (effective 01-15-13) (18)                                              

     (vi)(e)   Amendment to the Participation Agreement with Franklin Templeton Variable Insurance Products Trust    
               (effective November 17, 2014) (filed herewith)                                                        

     (vii)(a)  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 MetLife Insurance Company of Connecticut (effective 01-01-09) (14)                                

     (vii)(b)  Amendment to 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 MetLife Insurance Company of Connecticut, et al. (effective 04-30-10) (17)           

     (vii)(c)  Amendment to Participation Agreement with Legg Mason Partners Variable Equity Trust and Legg          
               Mason Partners Variable Income Trust (effective November 17, 2014) (filed herewith)                   

     (viii)(a) Participation Agreement among Oppenheimer Variable Account Funds, OppenheimerFunds, Inc., The         
               Travelers Insurance Company and The Travelers Life and Annuity Company (effective 01-01-02 and        
               Amendment Nos. 1-4 (effective 05-01-03, 05-03-04, 05-02-05, 04-28-08) (14)                            

     (viii)(b) Amendment to the Participation Agreement among Oppenheimer Variable Account Funds,                    
               OppenheimerFunds, Inc., MetLife Insurance Company of Connecticut, et al. (effective 05-01-10) (19)    

     (viii)(c) Amendment to Participation Agreement with Oppenheimer Variable Account Funds (effective November      
               17, 2014) (filed herewith)                                                                            

     (ix)(a)   Participation Agreement among Pioneer Variable Contracts Trust, The Travelers Insurance Company, The  
               Travelers Life and Annuity Company, Pioneer Investment Management, Inc. and Pioneer Funds             
               Distributor, Inc. (effective 01-01-02) and Amendment Nos. 1 and 2 (effective 05-02-03 and 04-28-08)   
               (14)                                                                                                  

     (ix)(b)   Amendment No. 3 to the Participation Agreement among Pioneer Variable Contracts Trust, MetLife        
               Insurance Company of Connecticut, Pioneer Investment Management, Inc. and Pioneer Funds               
               Distributor, Inc. (effective 05-01-11) (21)                                                           

     (ix)(c)   Amendment to Participation Agreement with Pioneer Variable Contracts Trust (effective November 17,    
               2014) (filed herewith)                                                                                

9.             Opinion of Counsel (filed herewith)                                                                   

10.            Consent of Independent Registered Public Accounting Firm (Deloitte & Touche LLP) (filed herewith)     

11.            Not Applicable.                                                                                       
12.            Not Applicable.                                                                                       

13.            Powers of Attorney for Eric T. Steigerwalt, Elizabeth M. Forget, Gene L. Lunman, Peter M. Carlson and 
               Anant Bhalla (filed herewith)                                                                         

(1)            incorporated herein by reference to Registrant's Form N-4 (File Nos. 333-54464 and 811-03365) filed   
               electronically on January 26, 2001.                                                                   

(2)            incorporated herein by reference to Registrant's Post-Effective Amendment No. 1 on Form N-4 (File     
               Nos. 333-54464 and 811-03365) filed electronically on April 13, 2001.                                 

(3)            incorporated herein by reference to Registrant's Post-Effective Amendment No. 6 on Form N-4 (File     
               Nos. 333-54464 and 811-03365) filed electronically on July 15, 2004.                                  

(4)            incorporated herein by reference to Registrant's Pre-Effective Amendment No. 1 on Form N-4 (File Nos. 
               333-137968 and 811-03365) filed electronically on December 22, 2006.                                  

(5)            incorporated herein by reference to Registrant's Initial Registration Statement on Form N-4 (File Nos.
               333-125753 and 811-03365) filed electronically on June 13, 2005.                                      


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(6)   incorporated herein by reference to Registrant's Pre-Effective Amendment No. 1 on Form N-4/A (File
      Nos. 333-125753 and 811-03365) filed electronically on September 15, 2005.                        

(7)   incorporated herein by reference to MetLife of CT Separate Account Eleven for Variable Annuities' 
      Post-Effective Amendment No. 1 to Form N-4 (File Nos. 333-152199 and 811-21262) filed             
      electronically on April 8, 2009.                                                                  

(8)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 19 on Form N-4 (File
      Nos. 333-54464 and 811-03365) filed electronically on April 24, 2006.                             

(9)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 18 on Form N-4 (File
      Nos. 333-54466 and 811-03365) filed electronically on April 16, 2007.                             

(10)  incorporated herein by reference to Registrant's Post-Effective Amendment No. 3 to Form N-4 (File 
      Nos. 333-156648 and 811-03365) filed electronically on March 22, 2011.                            

(11)  incorporated herein by reference to The Travelers Fund ABD for Variable Annuities' Post-Effective 
      Amendment No. 14 to Form N-4 (File Nos. 033-65343 and 811-07465) filed electronically on April 6, 
      2006.                                                                                             

(12)  incorporated herein by reference to MetLife of CT Separate Account Eleven for Variable Annuities' 
      Post-Effective Amendment No. 4 to Form N-4 (File Nos. 333-152189 and 811-21262) filed             
      electronically on April 4, 2012.                                                                  

(13)  incorporated herein by reference to MetLife of CT Separate Account Nine for Variable Annuities'   
      Post-Effective Amendment No. 11 to Form N-4 (File Nos. 333-65926 and 811-09411) filed             
      electronically on October 31, 2007.                                                               

(14)  incorporated herein by reference to MetLife of CT Fund UL III for Variable Life's Post-Effective  
      Amendment No. 15 to Form N-6 (File Nos. 333-71349 and 811-09215) filed electronically on April 9, 
      2009.                                                                                             

(15)  incorporated herein by reference to MetLife of CT Separate Account Eleven for Variable Annuities' 
      Post-Effective Amendment No. 3 to Form N-4 (File Nos. 333-152194 and 811-21262) filed             
      electronically on April 5, 2011.                                                                  

(16)  incorporated herein by reference to MetLife of CT Separate Account Eleven for Variable Annuities' 
      Post-Effective Amendment No. 21 to Form N-4 (File Nos. 333-101778 and 811-21262) filed            
      electronically on April 5, 2011.                                                                  

(17)  incorporated herein by reference to MetLife of CT Separate Account Eleven for Variable Annuities' 
      Post-Effective Amendment No. 3 to Form N-4 (Files Nos. 333-152189 and 811-21262) filed            
      electronically on April 5, 2011.                                                                  

(18)  incorporated herein by reference to MetLife of CT Separate Account Eleven for Variable Annuities' 
      Post-Effective Amendment No. 23 to Form N-4 (Files Nos. 333-101778 and 811-21262) filed           
      electronically on April 3, 2013.                                                                  

(19)  incorporated herein by reference to MetLife of CT Fund UL III for Variable Life's Post-Effective  
      Amendment No. 18 to Form N-6 (File Nos. 333-71349 and 811-09215) filed electronically on April 5, 
      2012.                                                                                             

(20)  incorporated herein by reference to Registrant's Post-Effective Amendment No. 12 to Form N-4 (File
      Nos. 333-176374 and 811-03365) filed electronically on April 10, 2013.                            

(21)  incorporated herein by reference to MetLife of CT Separate Account Eleven for Variable Annuities' 
      Post-Effective Amendment No. 22 to Form N-4 (Files Nos. 333-101778 and 811-21262) filed           
      electronically on April 4, 2012.                                                                  


ITEM 25. DIRECTORS AND OFFICERS OF THE DEPOSITOR                                

The following are the Officers and Directors who are engaged directly or        
indirectly in activities relating to the Registrant or the variable annuity     
contracts offered by the Registrant and the executive officers of the Company:  

                                                        [Enlarge/Download Table]

NAME AND PRINCIPAL BUSINESS ADDRESS    POSITIONS AND OFFICES WITH DEPOSITOR                          
-------------------------------------  --------------------------------------                        

                                                                                                     
Eric T. Steigerwalt                    Director, Chairman of the Board, President and Chief Executive
Gragg Building                         Officer                                                       
11225 North Community House Road                                                                     
Charlotte, NC 28277                                                                                  


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NAME AND PRINCIPAL BUSINESS ADDRESS    POSITIONS AND OFFICES WITH DEPOSITOR                   
-------------------------------------  --------------------------------------                 

                                                                                              
Elizabeth M. Forget                    Director and Senior Vice President                     
Gragg Building                                                                                
11225 North Community House Road                                                              
Charlotte, NC 28277                                                                           

Gene L. Lunman                         Director and Senior Vice President                     
Gragg Building                                                                                
11225 North Community House Road                                                              
Charlotte, NC 28277                                                                           

Ricardo A. Anzaldua                    Executive Vice President and General Counsel           
1095 Avenue of the Americas                                                                   
New York, NY 10036                                                                            

Peter M. Carlson                       Executive Vice President and Chief Accounting Officer  
1095 Avenue of the Americas                                                                   
New York, NY 10036                                                                            

Steven J. Goulart                      Executive Vice President and Chief Investment Officer  
10 Park Avenue                                                                                
Morristown, NJ 07962                                                                          

Robin Lenna                            Executive Vice President                               
200 Park Avenue                                                                               
12th Floor                                                                                    
New York, NY 10166                                                                            

Anant Bhalla                           Senior Vice President and Chief Financial Officer      
Gragg Building                                                                                
11225 North Community House Road                                                              
Charlotte, NC 28277                                                                           

Marlene B. Debel                       Senior Vice President and Treasurer                    
1095 Avenue of the Americas                                                                   
New York, NY 10036                                                                            

Jason P. Manske                        Senior Vice President and Chief Hedging Officer        
10 Park Avenue                                                                                
Morristown, NJ 07962                                                                          

Roberto Baron                          Senior Vice President                                  
1095 Avenue of the Americas                                                                   
New York, NY 10036                                                                            

Steven J. Brash                        Senior Vice President                                  
277 Park Avenue                                                                               
46th Floor                                                                                    
New York, NY 10172                                                                            

Adam M. Hodes                          Senior Vice President                                  
1095 Avenue of the Americas                                                                   
New York, NY 10036                                                                            

Stewart M. Ashkenazy                   Vice President, Senior Actuary and Illustration Actuary
1095 Avenue of the Americas                                                                   
New York, NY 10036                                                                            

S. Peter Headley                       Vice President and Assistant Secretary                 
10801 Mastin Boulevard                                                                        
Suite 930                                                                                     
Overland Park, KS 66210                                                                       

Andrew Kaniuk                          Vice President and Senior Actuary                      
501 Route 22                                                                                  
Bridgewater, NJ 08807                                                                         

Christopher A. Kremer                  Vice President and Actuary                             
One Financial Center                                                                          
21st Floor                                                                                    
Boston, MA 02111                                                                              


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NAME AND PRINCIPAL BUSINESS ADDRESS    POSITIONS AND OFFICES WITH DEPOSITOR         
-------------------------------------  --------------------------------------       

                                                                                    
Lisa S. Kuklinski                      Vice President and Senior Actuary            
1095 Avenue of the Americas                                                         
New York, NY 10036                                                                  

Enid M. Reichert                       Vice President and Actuary                   
501 Route 22                                                                        
Bridgewater, NJ 08807                                                               

Mark S. Reilly                         Vice President and Illustration Actuary      
Woodward Building                                                                   
11215 North Community House Road                                                    
Charlotte, NC 28277                                                                 

Steven G. Sorrentino                   Vice President, Actuary and Appointed Actuary
501 Route 22                                                                        
Bridgewater, NJ 08807                                                               

Marian J. Zeldin                       Vice President and Actuary                   
501 Route 22                                                                        
Bridgewater, NJ 08807                                                               

Scott E. Andrews                       Vice President                               
4700 Westown Pkwy.                                                                  
Suite 200                                                                           
West Des Moines, IA 50266                                                           

Andrew T. Aoyama                       Vice President                               
200 Park Avenue                                                                     
12th Floor                                                                          
New York, NY 10166                                                                  

Grant Barrans                          Vice President                               
600 North King Street                                                               
Wilmington, DE 19801                                                                

Henry W. Blaylock                      Vice President                               
200 Park Avenue                                                                     
12th Floor                                                                          
New York, NY 10166                                                                  

Timothy J. Brown                       Vice President                               
501 Route 22                                                                        
Bridgewater, NJ 08807                                                               

Mark J. Davis                          Vice President                               
501 Route 22                                                                        
Bridgewater, NJ 08807                                                               

Lynn A. Dumais                         Vice President                               
18210 Crane Nest Drive                                                              
Tampa, FL 33647                                                                     

Geoffrey A. Fradkin                    Vice President                               
501 Route 22                                                                        
Bridgewater, NJ 08807                                                               

Judith A. Gulotta                      Vice President                               
10 Park Avenue                                                                      
Morristown, NJ 07962                                                                

Jeffrey P. Halperin                    Vice President                               
Gragg Building                                                                      
11225 North Community House Road                                                    
Charlotte, NC 28277                                                                 

Regynald Heurtelou                     Vice President                               
334 Madison Avenue                                                                  
Morristown, NJ 07960                                                                


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NAME AND PRINCIPAL BUSINESS ADDRESS    POSITIONS AND OFFICES WITH DEPOSITOR  
-------------------------------------  --------------------------------------

                                                                             
Gregory E. Illson                      Vice President                        
Gragg Building                                                               
11225 North Community House Road                                             
Charlotte, NC 28277                                                          

John J. Iwanicki                       Vice President                        
18210 Crane Nest Drive                                                       
Tampa, FL 33647                                                              

Karen A. Johnson                       Vice President                        
One Financial Center                                                         
21st Floor                                                                   
Boston, MA 02111                                                             

Derrick L. Kelson                      Vice President                        
1200 Abernathy Road                                                          
Suite 1400                                                                   
Atlanta, GA 30328                                                            

James W. Koeger                        Vice President                        
13045 Tesson Ferry Road                                                      
St. Louis, MO 63128                                                          

John P. Kyne, III                      Vice President                        
Gragg Building                                                               
11225 North Community House Road                                             
Charlotte, NC 28277                                                          

Cynthia A. Mallet Kosakowski           Vice President                        
One Financial Center                                                         
21st Floor                                                                   
Boston, MA 02111                                                             

Timothy J. McLinden                    Vice President                        
277 Park Avenue                                                              
46th Floor                                                                   
New York, NY 10172                                                           

James J. Reilly                        Vice President                        
One Financial Center                                                         
21st Floor                                                                   
Boston, MA 02111                                                             

Thomas J. Schuster                     Vice President                        
200 Park Avenue                                                              
12th Floor                                                                   
New York, NY 10166                                                           

Robert L. Staffier, Jr.                Vice President                        
1 MetLife Plaza                                                              
27-01 Queens Plaza North                                                     
Long Island City, NY 11101                                                   

Nan D. Tecotzky                        Vice President                        
200 Park Avenue                                                              
12th Floor                                                                   
New York, NY 10166                                                           

Mark H. Wilsmann                       Vice President                        
10 Park Avenue                                                               
Morristown, NJ 07962                                                         

Jacob M. Jenkelowitz                   Secretary                             
1095 Avenue of the Americas                                                  
New York, NY 10036                                                           


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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 MetLife Insurance Company USA   
under Delaware insurance law. MetLife Insurance Company USA is a wholly-owned   
subsidiary of MetLife, Inc., a publicly traded company. The following outline   
indicates those entities that are controlled by MetLife, Inc. or are under the  
common control of MetLife, Inc. No person is controlled by the Registrant.      

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ORGANIZATIONAL STRUCTURE OF METLIFE, INC. AND SUBSIDIARIES
AS OF June 30, 2014     

The following is a list of subsidiaries of MetLife, Inc. updated as of          
June 30, 2014. 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.    Exeter Reassurance Company, Ltd. (DE)                                     

D.    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)                                  

E.    MetLife Chile Inversiones Limitada (Chile) - 70.4345328853% of MetLife    
   Chile Inversiones Limitada is owned by MetLife, Inc., 26.6071557459% by
American Life Insurance Company ("ALICO"), 2.9583113284% is owned by
 Inversiones MetLife Holdco Dos Limitada and 0.0000000404% is owned by
Natilportem Holdings, Inc.                                          

  1.    MetLife Chile Seguros de Vida S.A. (Chile) - 99.9969% of MetLife
       Chile Seguros de Vida S.A. is held by MetLife Chile Inversiones
    Limitada and 0.0031% by International Technical and Advisory
Services Limited ("ITAS").                              

      a)    MetLife Chile Administradora de Mutuos Hipotecarios S.A.
              (Chile) - 99.99% of MetLife Chile Administradora de Mutuos
               Hipotecarios S.A.  is held by MetLife Chile Seguros de Vida
                 S.A. and 0.01% is held by MetLife Chile Inversiones Limitada.

2.    Legal Chile S.A. (Chile) - 51% of Legal Chile S.A. is owned by
        MetLife Chile Inversiones Limitada and the remaining interest is
owned by a third party.                                 

        a)    Legagroup S.A. (Chile) - 99% of Legagroup S.A. is owned by
             Legal Chile S.A. and the remaining interest is owned by a
third party.                                

3.    Inversiones MetLife Holdco Tres Limitada (Chile) - 99.9% of   
          Inversiones MetLife Holdco Tres Limitada is owned by MetLife Chile
     Inversiones Limitada and 0.1% is owned by Inversiones MetLife
Holdco Dos Limitada.                                    

         a)    MetLife Chile Acquisition Co. S.A. (Chile) - 45% of MetLife
              Chile Acquisition Co. S.A. is owned by Inversiones MetLife
            Holdco Dos Limitada, 45% is owned by Inversiones MetLife
          Holdco Tres Limitada and 10% is owned by MetLife Chile
Inversiones Limitada.                       

             i)    Inversiones Previsionales S.A. (Chile) - 99.999% of
                        Inversiones Previsionales S.A. is owned by MetLife Chile
                       Acquisition Co. S.A. and 0.001% is owned by Inversiones
MetLife Holdco Tres Limitada.   

                      aa)   AFP Provida S.A. (Chile) - 51.62% of AFP Provida
                            S.A. is owned by Inversiones Previsionales S.A.,
                           21.97% is owned indirectly (by means of ADR) by
                         MetLife Chile Acquisition Co. S.A., 17.79% is
                           owned directly by MetLife Chile Acquisition Co.
                             S.A. and the remainder is owned by third parties.

                             1)    Provida Internacional S.A. (Chile) - 99.99%
                                 of Provida Internacional S.A. is owned by
                                 AFP Provida S.A. and 0.01% by Inversiones
          Previsionales S.A.

                                    ii)   AFP Genesis Administradora de Fondos y
                                         Fidecomisos S.A. (Ecuador) - 99.9997%
                                    of AFP Genesis Administradora de
                                         Fondos y Fidecomisos S.A. is owned by
                                          Provida Internacional S.A. and 0.0003%
                                         is owned by Inversiones Previsionales
        S.A.

 4.    MetLife Chile Seguros Generales S.A. (Chile) - 99.9% of MetLife
           Chile Seguros Generales, S.A. is owned by MetLife Chile Inversiones
Limitada and 0.1% is owned by ITAS.                     

F.    MetLife Securities, Inc. (DE)                                             

G.    Enterprise General Insurance Agency, Inc. (DE)                            

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H.    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)

     a)    Metropolitan Reinsurance Company (U.K.) Limited (United
Kingdom)                                    

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)            

I.    MetLife Investors Insurance Company (MO)                                  

J.    First MetLife Investors Insurance Company (NY)                            

K.    Newbury Insurance Company, Limited (DE)                                   

L.    MetLife Investors Group, Inc. (DE)                                        

1.    MetLife Investors Distribution Company (MO)                   

2.    MetLife Advisers, LLC (MA)                                    

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M.    MetLife International Holdings, Inc. (DE)                                 

1.    MetLife Mexico Cares, S.A. de C.V. (Mexico)                   

a)    Fundacion MetLife Mexico, A.C. (Mexico)           

2.    Natiloportem Holdings, Inc. (DE)                              

       a)    Excelencia Operativa y Tecnologica, S.A. de C.V. (Mexico)

             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 Cares, 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 Cares, S.A. de C.V.

   3.    PNB MetLife India Insurance Company Limited (India)- 26% is owned
         by MetLife International Holdings, Inc. and 74% is owned by third
parties.                                                

4.    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, Inc.   

5.    MetLife Seguros S.A. (Argentina)- 79.3196% is owned by MetLife
      International Holdings, Inc., 2.6753% is owned by Natiloportem
Holdings, Inc., 16.2046% by ALICO and 1.8005% by ITAS.  

6.    Metropolitan Life Seguros e Previdencia Privada S.A. (Brazil)-
 66.662% is owned by MetLife International Holdings, Inc.,
33.337% is owned by MetLife Worldwide Holdings, Inc. and
0.001% is owned by Natiloportem Holdings, Inc.          

7.    MetLife Global, Inc. (DE)                                     

     8.    MetLife Administradora de Fundos Multipatrocinados Ltda. (Brazil) -
       99.99998% of MetLife Administradora de Fundos Multipatrocinados
           Ltda. is owned by MetLife International Holdings, Inc. and 0.00002%
by Natiloportem Holdings, Inc.                          

9.    MetLife Services Limited (United Kingdom)                     

   10.   MetLife Seguros de Retiro S.A. (Argentina) - 95.5883% is owned by
 MetLife International Holdings, Inc., 3.1102% is owned by
          Natiloportem Holdings, Inc., 1.3014% by ALICO and 0.0001% by ITAS.

11.   Best Market S.A. (Argentina) - 5% of the shares are held by   
Natiloportem Holdings, Inc. and 95% is owned by MetLife 
International Holdings Inc.                             

  12.   Compania Inversora MetLife S.A. (Argentina) - 95.46% is owned by
  MetLife International Holdings, Inc. and 4.54% is owned by
Natiloportem Holdings, Inc.                             

          a)    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., 0.99%
               is held by Natiloportem Holdings, Inc. and 0.26% is held by
MetLife Seguros de Retiro S.A.              

13.   MetLife Worldwide Holdings, Inc. (DE)                         

a)    MetLife Direct Co., LTD. (Japan)                  

b)    MetLife Limited (Hong Kong)                       

14.   MetLife International Limited, LLC (DE)                       

   15.   MetLife Planos Odontologicos Ltda. (Brazil) - 99.999% is owned by
   MetLife International Holdings, Inc. and 0.001% is owned by
Natiloportem Holdings, Inc.                             

16.   MetLife Ireland Holdings One Limited (Ireland)                

a)    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 Limited (Ireland)

                   a)    MetLife General Insurance Limited (Australia)

                       b)    MetLife Insurance Limited (Australia) - 91.16468%
                             of MetLife Insurance Limited (Australia) is owned
                            by MetLife Ireland Treasury Limited and 8.83532%
                             is owned by MetLife Global Holdings Corp. S.A. de
C.V.                

                    1)    The Direct Call Centre PTY Limited
   (Australia)

                             2)    MetLife Investments PTY Limited (Australia)

                                    aa)   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, Inc.                  

                      a)    MetLife Pensiones Mexico S.A. (Mexico)- 97.4738%
                           is owned by Metropolitan Global Management, LLC
                         and 2.5262% is owned by MetLife International
Holdings, Inc.      

                       b)    MetLife Mexico Servicios, S.A. de C.V. (Mexico) -
                           98% is owned by Metropolitan Global Management,
                        LLC and 2% is owned by MetLife International
Holdings, Inc.      

                       c)    MetLife Mexico S.A. (Mexico)- 99.050271% is owned
                      by Metropolitan Global Management, LLC and
                       0.949729% is owned by MetLife International
Holdings, Inc.      

                              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.

                                   aa)    Met1 SIEFORE, S.A. de C.V. (Mexico)-
                                       99.99% is owned by MetLife Afore,
                                        S.A. de C.V. and 0.01% is owned by
                         MetLife Mexico S.A.

                                   bb)    Met2 SIEFORE, S.A. de C.V. (Mexico)-
                                       99.99% is owned by MetLife Afore,
                                        S.A. de C.V. and 0.01% is owned by
                         MetLife Mexico S.A.

                                   cc)    MetA SIEFORE Adicional, S.A. de C.V.
                                          (Mexico)- 99.99% is owned by MetLife
                                      Afore, S.A. de C.V. and 0.01% is
                                  owned by MetLife Mexico S.A.

                                dd)    Met3 SIEFORE Basica, S.A. de C.V.
                                           (Mexico) - 99.99% is owned by MetLife
                                      Afore, S.A. de C.V. and 0.01% is
                                  owned by MetLife Mexico S.A.

                                    ee)    Met4 SIEFORE, S.A. de C.V. (Mexico) -
                                       99.99% is owned by MetLife Afore,
                                        S.A. de C.V. and 0.01% is owned by
                         MetLife Mexico S.A.

                                    ff)    Met5 SIEFORE, S.A. de C.V. (Mexico) -
                                       99.99% is owned by MetLife Afore,
                                        S.A. de C.V. and 0.01% 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 Cares, S.A. de C.V.

                  d)    MetLife Saengmyoung Insurance Co. Ltd. (also
                       known as 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.

e)    GlobalMKT S.A. (Uruguay)  

17.   MetLife Asia Limited (Hong Kong)                              

 18.   AmMetLife Insurance Berhad (Malaysia) - 50.000001% of AmMetLife
         Insurance Berhad is owned by MetLife International Holdings, Inc.
and the remainder is owned by a third party.            

19.   AmMetLife Takaful Berhad (Malaysia) - 49.999999% of AmMetLife 
           Takaful Berhad is owned by MetLife International Holdings, Inc. and
the remainder is owned by a third party.                

N.    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)                        

                    aa)    OMI MLIC Investments Limited (Cayman Islands)

3.    CRB Co., Inc. (MA)                                            

4.    MLIC Asset Holdings II LLC (DE)                               

a)    El Conquistador MAH II LLC (DE)                   

         b)    Mansell Office LLC (DE) - 73.0284% of Mansell Office LLC is
                owned by MLIC Asset Holdings II LLC and 26.9716% is owned by
MLIC CB Holdings LLC.                       

         c)    Mansell Retail LLC (DE) - 73.0284% of Mansell Retail LLC is
                owned by MLIC Asset Holdings II LLC and 26.9716% is owned by
MLIC CB Holdings LLC.                       

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5.    CC Holdco Manager, LLC (DE)                                   

6.    Alternative Fuel I, LLC (DE)                                  

7.    Transmountain Land & Livestock Company (MT)                   

8.    MetPark Funding, Inc. (DE)                                    

9.    HPZ Assets LLC (DE)                                           

10.   Missouri Reinsurance, Inc. (Cayman Islands)                   

11.   Metropolitan Tower Realty Company, Inc. (DE)                  

a)    Midtown Heights, LLC (DE)                         

12.   MetLife Real Estate Cayman Company (Cayman Islands)           

13.   MetLife RC SF Member, LLC (DE)                                

14.   MetLife Private Equity Holdings, LLC (DE)                     

15.   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 MetLife Renewables
                      Holding, LLC and 90.39% membership interest is held by
                 LISF Solar Trust in which MetLife Capital Limited
         Partnership has 100% beneficial interest.

16.   Hyatt Legal Plans, Inc. (DE)                                  

a)    Hyatt Legal Plans of Florida, Inc. (FL)           

17.   MetLife Holdings, Inc. (DE)                                   

a)    MetLife Credit Corp. (DE)                         

b)    MetLife Funding, Inc. (DE)                        

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18.   MetLife Investments Asia Limited (Hong Kong)                  

19.   MetLife Investments Limited (United Kingdom)- 23rd Street     
         Investments, Inc. holds one share of MetLife Investments Limited.

      20.   MetLife Latin America Asesorias e Inversiones Limitada (Chile)- 23rd
     Street Investments, Inc. holds 0.01% of MetLife Latin America
Asesorias e Inversiones Limitada.                       

21.   New England Life Insurance Company (MA)                       

a)    New England Securities Corporation (MA)           

22.   General American Life Insurance Company (MO)                  

a)    GALIC Holdings LLC (DE)                           

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23.   Corporate Real Estate Holdings, LLC (DE)                      

   24.   Ten Park SPC (Cayman Islands) - 1% voting control of Ten Park SPC
is held by 23rd Street Investments, Inc.                

25.   MetLife Tower Resources Group, Inc. (DE)                      

26.   Headland-Pacific Palisades, LLC (CA)                          

    27.   Headland Properties Associates (CA) - 99% is owned by Metropolitan
  Life Insurance Company and 1% is owned by Headland-Pacific
Palisades, LLC.                                         

28.   WFP 1000 Holding Company GP, LLC (DE)                         

29.   White Oak Royalty Company (OK)                                

30.   500 Grant Street GP LLC (DE)                                  

   31.   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.

     32.   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.

         a)   HMS Master Limited Partnership (DE) - 60% LP interest of HMS
              Master Limited Partnership is owned by MetLife Mall Ventures
            Limited Partnership. A 40% LP interest is owned by a third
           party. Metropolitan Tower Realty Company, Inc. is the GP.

i)   HMS Southpark Residential LLC (DE)       

33.   MetLife Retirement Services LLC (NJ)                          

a)   MetLife Associates LLC (DE)                        

34.   Euro CL Investments, LLC (DE)                                 

35.   MEX DF Properties, LLC (DE)                                   

   36.   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                  

37.   MetLife Properties Ventures, LLC (DE)                         

a)   Citypoint Holdings II Limited (United Kingdom)     

38.   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.                           

39.   MLIC Asset Holdings LLC (DE)                                  

40.   85 Broad Street Mezzanine LLC (DE)                            

a)   85 Broad Street LLC (DE)                           

41.   The Building at 575 Fifth Avenue Mezzanine LLC (DE)           

a)   The Building at 575 Fifth LLC (DE)                 

42.   ML Bridgeside Apartments LLC (DE)                             

   43.   Para-Met Plaza Associates (FL)- 75% of the General Partnership is
          held by Metropolitan Life Insurance Company and 25% of the General
      Partnership is held by Metropolitan Tower Realty Company, Inc.

44.   MLIC CB Holdings LLC (DE)                                     

45.   Met II Office Mezzanine LLC, (FL) - 10.4167% of the membership
          interest is owned by Metropolitan Tower Life Insurance Company and
 89.5833% is owned by Metropolitan Life Insurance Company.

a)   Met II Office LLC (FL)                             

46.   The Worthington Series Trust (DE)                             

    47.   MetLife CC Member, LLC (DE) - 63.415% of MetLife CC Member, LLC is
       held by Metropolitan Life Insurance Company, 17.073% by MetLife
     Investors USA Insurance Company, 14.634% by MetLife Insurance
            Company of Connecticut and 4.878% by General American Life Insurance
Company.                                                

48.   Oconee Hotel Company, LLC (DE)                                

49.   Oconee Land Company, LLC (DE)                                 

a)  Oconee Land Development Company, LLC (DE)           

b)  Oconee Golf Company, LLC (DE)                       

c)  Oconee Marina Company, LLC (DE)                     

50.   1201 TAB Manager, LLC (DE)                                    

51.   MetLife 1201 TAB Member, LLC (DE) - 69.66% of MetLife 1201 TAB
           Member, LLC is owned by Metropolitan Life Insurance Company, 12.07%
            is owned by MetLife Investors USA Insurance Company, 15.17% is owned
        by MetLife Insurance Company of Connecticut and 3.1% is owned by
Metropolitan Property and Casualty Insurance Company.   

          a)  1201 TAB Owner, LLC (DE) - 50% of 1201 TAB Owner, LLC is owned
               by Metlife 1201 TAB Member, LLC and the remainder is owned by a
            third party. Metlife 1201 TAB Manager, LLC is the manager of
1201 TAB Owner, LLC.                            

     52.   MetLife LHH Member, LLC (DE) - 69.23% of MetLife LHH Member, LLC is
        owned by Metropolitan Life Insurance Company, 19.78% is owned by
          MetLife Investors USA Insurance Company and 10.99% is owned by New
England Life Insurance Company.                         

53.   Ashton Southend GP, LLC (DE)                                  

    54.   Tremont Partners, LP (DE) - 99.9% LP interest of Tremont Partners,
      LP is owned by Metropolitan Life Insurance Company and 0.1% GP
interest is owned by Ashton Southend GP, LLC.           

55.   Riverway Residential, LP (DE) - 99.9% LP interest of Riverway 
           Residential, LP is owned by Metropolitan Life Insurance Company and
            0.1% GP interest is owned by Metropolitan Tower Realty Company, Inc.

56.   10420 McKinley Partners, LP (DE) - 99.9% LP interest of 10420 
     McKinley Partners, LP is owned by Metropolitan Life Insurance
          Company and 0.1% GP interest is owned by Metropolitan Tower Realty
Company, Inc.                                           

57.   Ardrey Kell Townhomes, LLC (DE)                               

58.   Boulevard Residential, LLC (DE)                               

59.   465 N. Park Drive, LLC (DE)                                   

60.   Ashton Judiciary Square, LLC (DE)                             

     61.   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.                   

62.   1900 McKinney Properties, LP (DE) - 99.9% LP interest of 1900 
        McKinney Properties, LP is owned by MLIC and 0.1% GP interest is
owned by Metropolitan Tower Realty Company, Inc.        

63.   Marketplace Residences, LLC (DE)                              

64.   ML Swan Mezz, LLC (DE)                                        

a)    ML Swan GP, LLC (DE)                              

65.   ML Dolphin Mezz, LLC (DE)                                     

a)    ML Dolphin GP, LLC (DE)                           

66.   Haskell East Village, LLC (DE)                                

67.   MetLife Cabo Hilton Member, LLC (DE) - 54.129% of MetLife Cabo
           Hilton Member, LLC is owned by MLIC, 16.9% by General American Life
           Insurance Company, 16.9% by MetLife Investors USA Insurance Company
and 12.071% by MetLife Insurance Company of Connecticut.

68.   ML Terraces, LLC (DE)                                         

69.   Chestnut Flats Wind, LLC (DE)                                 

70.   MetLife 425 MKT Member, LLC (DE)                              

  a)   425 MKT, LLC (DE) - 52.5% of 425 MKT, LLC is owned by
           MetLife 425 MKT Member, LLC and 47.5% is owned by a third
              party. MetLife 425 MKT Member, LLC is the managing member of
425 MKT, LLC.                                 

             i)   425 MKT REIT, LLC (DE) - 99.9% of 425 MKT REIT, LLC is
                 owned by 425 MKT, LLC and the remaining 0.1% by third
parties.                            

71.   MetLife OFC Member, LLC (DE)                                  

        a)   OFC Boston, LLC (DE) - 52.5% of OFC Boston, LLC is owned by
              MetLife OFC Member, LLC and 47.5% is owned by a third party.

              i)   OFC REIT, LLC (DE) - 99.9% of OFC REIT, LLC is owned by
               OFC Boston and the remaining 0.1% is owned by third
parties.                            

        1)   Dewey Square Tower Associates, LLC (MA)

   72.   MetLife THR Investor, LLC (DE) - 85% of MetLife THR Investor, LLC
is owned by MLIC and 15% is owned by MICC.              

  73.   ML Southmore, LLC (DE) - 75.12% of ML Southmore, LLC is owned by
MLIC and 24.88% is owned by MICC.                       

74.   ML - AI MetLife Member 1, LLC (DE) - 83.675% of the membership
        interest is owned by MLIC, 5.762% by MICC, 5.762% by MLI USA and
       4.801% by Metropolitan Property and Casualty Insurance Company.

         a)   ML - AI Venture 1, LLC (DE) - 51% of ML-AI Venture 1, LLC is
            owned by ML-AI MetLife Member 1, LLC and 49% is owned by a
              third party. MetLife Investment Management, LLC is the asset
manager.                                      

i)   ML-AI 125 Wacker, LLC (DE)               

75.   MetLife CB W/A, LLC (DE)                                      

 76.   MetLife Camino Ramon Member, LLC (DE) - 78.6% of MetLife Camino
      Ramon Member, LLC is owned by MLIC and 21.4% is owned by MICC.

77.   10700 Wilshire, LLC (DE)                                      

78.   Viridian Miracle Mile, LLC (DE)                               

79.   MetLife Canada Solar ULC (Canada)                             

     80.   MetLife 555 12th Member, LLC (DE) - MetLife 555 12th Member, LLC is
          owned at 69.4% by MLIC, 20.2% by MICC, 5.4% by GALIC and 5% by MLI
USA.                                                    

            a)   555 12th, LLC (DE) - 52.5% of 555 12th, LLC is owned by MetLife
          555 12th Member, LLC and the remainder by a third party.

i)   555 12 REIT, LLC (DE)                    

O.    MetLife Capital Trust IV (DE)                                             

P.    MetLife Insurance Company of Connecticut ("MICC") (CT) - 86.72% is owned  
by MetLife, Inc. and 13.28% by MetLife Investors Group, Inc.        

1.    MetLife Property Ventures Canada ULC (Canada)                 

      2.    Pilgrim Alternative Investments Opportunity Fund III Associates, LLC
    (CT) - 67% is owned by MICC and 33% is owned by third party.

3.    Metropolitan Connecticut Properties Ventures, LLC (DE)        

4.    MetLife Canadian Property Ventures LLC (NY)                   

5.    Euro TI Investments LLC (DE)                                  

6.    Greenwich Street Investments, L.L.C. (DE)                     

  a)    Greenwich Street Capital Offshore Fund, Ltd. (Virgin
Islands)                                    

b)    Greenwich Street Investments, L.P. (DE)           

7.    One Financial Place Corporation (DE) - 100% is owned in the   
aggregate by MICC.                                      

8.    MetLife USA Assignment Company (CT)                           

9.    TIC European Real Estate LP, LLC (DE)                         

10.   MetLife European Holdings, LLC (DE)                           

11.   Travelers International Investments Ltd. (Cayman Islands)     

12.   Euro TL Investments LLC (DE)                                  

13.   Corrigan TLP LLC (DE)                                         

14.   TLA Holdings LLC (DE)                                         

a)    The Prospect Company (DE)                         

     15.   TRAL & Co. (CT) - TRAL & Co. is a general partnership. Its partners
are MICC and Metropolitan Life Insurance Company.       

16.   MetLife Investors USA Insurance Company ("MLI USA") (DE)      

a)    MetLife Renewables Holding, LLC (DE)              

i)    Greater Sandhill I, LLC (DE)          

17.   TLA Holdings II LLC (DE)                                      

18.   TLA Holdings III LLC (DE)                                     

 19.   MetLife Greenstone Southeast Venture, LLC (DE) - 95% of MetLife
          Greenstone Southeast Venture, LLC is owned by MICC and 5% is owned
by Metropolitan Connecticut Properties Ventures, LLC.   

a)    MLGP Lakeside, LLC (DE)                           

     20.   Sino-US United MetLife Insurance Co., Ltd. (China) - Sino-US United
            MetLife Insurance Co., Ltd. is owned at 27.8% by MICC, 22.2% by MLIC
and 50% by a third party.                               

Q.    MetLife Reinsurance Company of South Carolina (SC)                        

R.    MetLife Investment Management, 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 Alico Life 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)

       c)   MetLife International HF Partners, LP (Cayman Islands) - The
         General Partnership Interests of MetLife International HF
               Partners, LP is held by MetLife Alternatives GP, LLC; 91.49% of
           the Limited Partnership Interests is owned by MetLife Alico
           Life Insurance K.K. and 8.51% is owned by MetLife Insurance
Company of Korea Limited.                       

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
            23.7%, General American Life Insurance Company owns 0.1% and
   MetLife Insurance Company of Connecticut owns 0.2%.

i)   MetLife Core Property REIT, LLC (DE)       

                  aa)   MetLife Core Property Holdings, LLC (DE) - MetLife
                     Core Property Holdings, LLC holds the following
                        single-property limited liability companies: MCP 7
                           Riverway, LLC; MCP SoCal Industrial-Redondo, LLC; MCP
                 SoCal Industrial-Springdale, LLC; MCP SoCal
          Industrial-Concourse, LLC; MCP SoCal
         Industrial-Kellwood, LLC; MCP SoCal
                           Industrial-Bernado, LLC; MCP SoCal Industrial-Canyon,
                       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, 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 and MCP 3040 Port Oak, LLC

S.    MetLife Standby I, LLC (DE)                                               

1.   MetLife Exchange Trust I (DE)                                  

T.    MetLife Services and Solutions, LLC (DE)                                  

1.   MetLife Solutions Pte. Ltd. (Singapore)                        

a)    MetLife Services East Private Limited (India)       

    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, Inc.

U.    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)                              

V.    MetLife Capital Trust X (DE)                                              

W.    Cova Life Management Company (DE)                                         

X.    MetLife Reinsurance Company of Charleston (SC)                            

Y.    MetLife Reinsurance Company of Vermont (VT)                               

Z.    Delaware American Life Insurance Company (DE)                             

AA.   Federal Flood Certification LLC (TX)                                      

AB.   American Life Insurance Company (ALICO) (DE)                              

1.    MetLife ALICO Life Insurance K.K. (Japan)                     

a)  Communication One Kabushiki Kaisha (Japan)    

b)  Financial Learning Kabushiki Kaisha (Japan)   

2.    MetLife Global Holding Company I GmbH (Swiss I) (Switzerland) 

   a)  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)

aa) ZAO Master D (Russia)         

                     1) Closed Joint Stock Company MetLife Insurance
                        Company (Russia) - 51% of Closed 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 EU Holding Company Limited (Ireland)

                   aa) MetLife Europe Limited (Ireland) - 93% of MetLife
                           Europe Limited is owned by MetLife EU Holding Company
       Limited and 7% is owned by ALICO.

                          1. MetLife Pension Trustees Limited (United Kingdom)

bb) Agenvita S.r.l. (Italy)       

                    cc) MetLife Europe Insurance Limited (Ireland)- 93% of
                          MetLife Europe Insurance Limited is owned by MetLife
                          EU Holding Company Limited and 7% is owned by ALICO.

           dd) MetLife Europe Services Limited (Ireland)

            ee) MetLife Insurance Limited (United Kingdom)

  ff) MetLife Limited (United Kingdom)

             gg) MetLife Services, Sociedad Limitada (Spain)

                  hh) MetLife Insurance S.A./NV (Belgium) - 99.999% of
                      MetLife Insurance S.A./NV is owned by MetLife EU
                    Holding Company Limited and 0.001% is owned by
Natilportem Holdings, Inc.

   ii) MetLife Solutions S.A.S. (France)

  jj) Metlife Biztosito Zrt. (Hungary)

                          1) First American-Hungarian Insurance Agency Limited
(Hungary)           

              kk) Metropolitan Life Asigurari S.A. (Romania) -
                        99.9982018% of Metropolitan Life Asigurari S.A. is
                         owned by MetLife EU Holding Company Limited and the
                    remaining 0.0017982% is owned by International
              Technical and Advisory Services Limited.

                       1) ALICO Societate de Administrare a unui Fond de
                      Pensii Administrat Privat S.A. (Romania) -
                              99.9836% of ALICO Societate de Administrare a unui
                              Fond de Pensii Administrat Privat S.A. is owned by
                           Metropolitan Life Asigurari S.A. and 0.0164% is
               owned by MetLife Services Sp z.o.o.

                    2) Metropolitan Training and Consulting S.R.L.
(Romania)           

                      3) APF Societate de Administrare a Fondurilor De
                          Pensii Facultative (APF) (Romania) - 99.99% of
                            APF is owned by Metropolitan Life Asigurari S.A.
       and 0.01% is owned by ITAS.

             ll) MetLife AMSLICO poist'ovna, a.s. (Slovakia)

                        1) ALICO Services Central Europe s.r.o. (Slovakia)

                      2) ALICO Funds Central Europe sprav. spol., a.s.
(Slovakia)          

           mm) MetLife pojist'ovna a.s. (Czech Republic)

             nn) MetLife Towarzystwo Ubiezpieczen na Zycie I
Reasekuracji S.A. (Poland)

            a) MetLife Services Sp z.o.o. (Poland)

                      b) MetLife Towartzystwo Funduszy Inwestycyjnych,
S.A. (Poland)       

                        c) AMPLICO Powszechne Towartzystwo Emerytalne S.A.
                            (Poland) - 50% of AMPLICO Powszechne Towarzystwo
                           Emerytalne S.A. is owned by MetLife Towarzystwo
                             Ubiezpieczen na Zycie I Reasekuracji S.A. and the
                        remaining 50% is owned by MetLife EU Holding
Company Limited.    

            oo) MetLife Holdings (Cyprus) Limited (Cyprus)

                         a) American Life Insurance Company (Cyprus) Limited
(Cyprus)            

                      pp) ALICO Bulgaria Zhivotozastrahovatelno Druzhestvo EAD
(Bulgaria)                

                    qq) MetLife Alico Life Insurance Company S.A. (Greece)

                        a) ALICO Mutual Fund Management Company (Greece) -
                          90% of ALICO Mutual Fund Management Company is
                              owned by MetLife Alico Life Insurance Company S.A.
                             (Greece) and the remaining interests are owned by
third parties.      

3.    Pharaonic American Life Insurance Company (Egypt) - 84.125% of
           Pharaonic American Life Insurance Company is owned by ALICO and the
remaining interests are owned by third parties.         

     4.    American Life Insurance Company (Pakistan) Ltd. (Pakistan) - 81.96%
            of American Life Insurance Company (Pakistan) Ltd. is owned by ALICO
and the remaining interests are owned by third parties. 

5.    International Investment Holding Company Limited (Russia)     

6.    MetLife Akcionarsko Drustvo za Zivotno Osiguranje (Serbia) -  
        99.98% of MetLife Akcionarska Drustvoza za Zivotno Osiguranje is
owned by ALICO and the remaining 0.02% is owned by ITAS.

7.    ALICO Management Services Limited (United Kingdom)            

   8.    ALICO Trustees U.K. Ltd. (United Kingdom) - 50% of ALICO Trustees
          U.K. Ltd. is owned by ALICO and the remaining interest is owned by
ITAS.                                                   

9.    PJSC MetLife (Ukraine) - 99.9988% of PJSC ALICO Ukraine is    
            owned by ALICO 0.0006% is owned by ITAS and the remaining 0.0006% is
owned by Borderland Investment Limited.                 

10.   Borderland Investment Limited (USA-Delaware)                  

           a)    ALICO Hellas Single Member Limited Liability Company (Greece)

11.   International Technical and Advisory Services Limited ("ITAS")
(USA-Delaware)                                          

12.   ALICO Operations Inc. (USA-Delaware)                          

a)    MetLife Asset Management Corp. (Japan)            

   13.   MetLife Colombia Seguros de Vida S.A. (Colombia) - 94.9899823% of
           MetLife Colombia Seguros de Vida S.A. is owned by ALICO, 5.0100106%
       is owned by ITAS and the remaining interests are owned by third
parties.                                                

  14.   MetLife Mas, S.A. de C.V. (Mexico) - 99.9997546% of MetLife Mas,
   SA de CV is owned by ALICO and 0.0002454% is owned by ITAS.

      15.   MetLife Seguros S.A. (Uruguay) - 74.9187% of MetLife Seguros S.A. is
        owned by ALICO, 25.0798% by MetLife, Inc. and 0.0015% by a third
party (Oscar Schmidt).                                  

  16.   ALICO Properties, Inc. (USA-Delaware) - 51% of ALICO Properties,
       Inc. is owned by ALICO and the remaining interests are owned by
third parties.                                          

a)    Global Properties, Inc. (USA-Delaware)            

17.   Alpha Properties, Inc. (USA-Delaware)                         

18.   Beta Properties, Inc. (USA-Delaware)                          

19.   Delta Properties Japan, Inc. (USA-Delaware)                   

20.   Epsilon Properties Japan, Inc. (USA-Delaware)                 

21.   Iris Properties, Inc. (USA-Delaware)                          

22.   Kappa Properties Japan, Inc. (USA-Delaware)                   

AC.   MetLife Global Benefits, Ltd. (Cayman Islands)                            

AD.   Inversiones Metlife Holdco Dos Limitada (Chile) - 99.999338695% of        
Inversiones MetLife Holdco Dos Limitada is owned by MetLife, Inc.,  
0.00065469% is owned by MetLife International Holdings, Inc. and    
0.000006613% is owned by Natiloportem.                              

AE.   MetLife Consumer Services, Inc. (DE)                                      

AF.   MetLife Reinsurance Company of Delaware (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.                                                             

 6

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ITEM 27. NUMBER OF CONTRACT OWNERS                                              

As of September 30, 2014, there were 407,520 owners of qualified contracts and  
182,116 owners of non-qualified contracts offered by the Registrant (MetLife    
Investors USA Separate Account A).                                              

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 underwriter (the "Underwriter")) and the Depositor, each of    
which is incorporated in the state of Delaware, 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 that person's      
service as a director, officer, or agent of the respective company, under       
certain circumstances, against liabilities and expenses incurred by such person 
(except, with respect to the Depositor, as described below regarding MetLife    
Employees).                                                                     

As described in its governing documents, the Underwriter, which is      
incorporated in the state of Missouri, may indemnify, under certain             
circumstances, any person who is made a party to any civil or criminal suit, or 
made a subject of any administrative or investigative proceeding by reason of   
the fact that he is or was a director, officer, or agent of the Underwriter.    
The Underwriter also has such other and further powers of indemnification as    
are not inconsistent with the laws of Missouri.                                 

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 Registrant, 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 adjudication   
of such issue.                                                                  

ITEM 29. PRINCIPAL UNDERWRITERS                                                 

(a)  MetLife Investors Distribution Company is the principal underwriter for
the following investment companies (other than Registrant): 

Met Investors Series Trust                                                      
MetLife Investors USA Variable Life Account A                                   
MetLife Investors Variable Annuity Account One                                  
MetLife Investors Variable Life Account One                                     
First MetLife Investors Variable Annuity Account One                            
General American Separate Account Eleven                                        
General American Separate Account Twenty-Eight                                  
General American Separate Account Twenty-Nine                                   
General American Separate Account Two                                           
Security Equity Separate Account Twenty-Six                                     
Security Equity Separate Account Twenty-Seven                                   
MetLife of CT Separate Account QPN for Variable Annuities                       
MetLife of CT Fund UL for Variable Life Insurance                               
MetLife of CT Fund UL III for Variable Life Insurance                           
Metropolitan Life Variable Annuity Separate Account II                          
MetLife of CT Separate Account Eleven for Variable Annuities                    
Metropolitan Life Separate Account E                                            
Metropolitan Life Separate Account UL                                           
Paragon Separate Account A                                                      
Paragon Separate Account B                                                      
Paragon Separate Account C                                                      
Paragon Separate Account D                                                      
Metropolitan Series Fund                                                        
Metropolitan Tower Life Separate Account One                                    
Metropolitan Tower Life Separate Account Two                                    
New England Life Retirement Investment Account                                  
New England Variable Annuity Fund I                                             
New England Variable Annuity Separate Account                                   
New England Variable Life Separate Account                                      
Separate Account No. 13S                                                        

(b)  MetLife Investors Distribution Company is the principal underwriter for
       the Contracts. The following persons are the officers and directors
     of MetLife Investors Distribution Company. The principal business
        address for MetLife Investors Distribution Company is 1095 Avenue of
the Americas, New York, NY 10036.                           

                                                                [Download Table]

NAME AND PRINCIPAL BUSINESS ADDRESS    POSITIONS AND OFFICES WITH UNDERWRITER     
-------------------------------------  ----------------------------------------   

                                                                                  
Elizabeth M. Forget                    Director                                   
Gragg Building                                                                    
11225 North Community House Road                                                  
Charlotte, NC 28277                                                               

Paul A. LaPiana                        Director                                   
Gragg Building                                                                    
11225 North Community House Road                                                  
Charlotte, NC 28277                                                               

Gerard J. Nigro                        Director and Senior Vice President         
1 MetLife Plaza                                                                   
27-01 Queens Plaza North                                                          
Long Island City, NY 11101                                                        

Lance Carlson                          President                                  
1 MetLife Plaza                                                                   
27-01 Queens Plaza North                                                          
Long Island City, NY 11101                                                        

Kieran R. Mullins                      Executive Vice President                   
Gragg Building                                                                    
11225 North Community House Road                                                  
Charlotte, NC 28277                                                               

Barbara A. Dare                        Senior Vice President                      
Gragg Building                                                                    
11225 North Community House Road                                                  
Charlotte, NC 28277                                                               

John P. Kyne, III                      Vice President and Chief Compliance Officer
Gragg Building                                                                    
11225 North Community House Road                                                  
Charlotte, NC 28277                                                               

Donald Leintz                          Senior Vice President                      
Gragg Building                                                                    
11225 North Community House Road                                                  
Charlotte, NC 28277                                                               


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                                                                [Download Table]

NAME AND PRINCIPAL BUSINESS ADDRESS    POSITIONS AND OFFICES WITH UNDERWRITER    
-------------------------------------  ----------------------------------------  

                                                                                 
John G. Martinez                       Vice President and Chief Financial Officer
18210 Crane Nest Drive                                                           
Tampa, FL 33647                                                                  

Tyla L. Reynolds                       Vice President and Secretary              
600 North King Street                                                            
Wilmington, DE 19801                                                             

Marlene B. Debel                       Treasurer                                 
1095 Avenue of the Americas                                                      
New York, NY 10036                                                               


(c)  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:                                                       

                                                        [Enlarge/Download Table]

                   (1)                            (2)               (3)             (4)            (5)     
                                            NET UNDERWRITING                                               
                                             DISCOUNTS AND      COMPENSATION     BROKERAGE        OTHER    
NAME OF PRINCIPAL UNDERWRITER                 COMMISSIONS      ON REDEMPTION    COMMISSIONS    COMPENSATION
-----------------------------------------  -----------------  ---------------  -------------  -------------

                                                                                                           
 MetLife Investors Distribution Company      $456,083,088          $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:                                                                     

(a) Registrant                                                          

 (b) MetLife Annuity Operations, 4700 Westown Parkway, Bldg. 4, Suite 200,
West Des Moines, IA 50266                                                       

(c) State Street Bank & Trust Company, 225 Franklin Street, Boston, MA  
02110                                                                           

(d) MetLife Investors Distribution Company, 1095 Avenue of the Americas,
New York, NY 10036                                                              

(e) MetLife Insurance Company USA, 11225 North Community House Road,    
Charlotte, NC 28277                                                             

(f) MetLife, 18210 Crane Nest Drive, Tampa, FL 33647                    

(g) MetLife, One Financial Center, Boston, MA 02111                     

(h) MetLife, 200 Park Avenue, New York, NY 10166                        

ITEM 31. MANAGEMENT SERVICES                                                    

Not Applicable.                                                         

ITEM 32. UNDERTAKINGS                                                           

  a. Registrant hereby undertakes 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  
(16) months old for so long as payment under the variable annuity contracts may 
be accepted.                                                                    

b. Registrant hereby undertakes 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  
postcard or similar written communication affixed to or included in the         
Prospectus that the applicant can remove to send for a Statement of Additional  
Information.                                                                    

c. Registrant hereby undertakes to deliver any Statement of Additional  
Information and any financial statement required to be made available under     
this Form promptly upon written or oral request.                                

REPRESENTATIONS 

 MetLife Insurance Company USA ("Company") hereby represents that the fees
and charges deducted under the Contracts described in the Prospectus, in the    
aggregate, are reasonable in relation to the services rendered, the expenses to 
be incurred and the risks assumed by the Company.                               

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The Company hereby represents that it is relying upon the Securities and
Exchange Commission No-Action Letter issued to the American Council of Life     
Insurance dated November 28, 1988 (Commission ref. IP-6-88) and that the        
following provisions have been complied with:                                   

1. Include appropriate disclosure regarding the redemption restrictions 
imposed by Section 403(b)(11) in each registration statement, including the     
prospectus, used in connection with the offer of the contract;                  

2. Include appropriate disclosure regarding the redemption restrictions 
imposed by Section 403(b)(11) in any sales literature used in connection with   
the offer of the contract;                                                      

  3. Instruct sales representatives who solicit participants to purchase the
contract specifically to bring the redemption restrictions imposed by Section   
403(b)(11) to the attention of the potential participants;                      

4. Obtain from each plan participant who purchases a Section 403(b)     
annuity contract, prior to or at the time of such purchase, a signed statement  
acknowledging the participant's understanding of (1) the restrictions on        
redemption imposed by Section 403(b)(11), and (2) other investment alternatives 
available under the employer's Section 403(b) arrangement to which the          
participant may elect to transfer his contract value.                           

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SIGNATURES

As required by the Securities Act of 1933 and the Investment Company Act
of 1940, the registrant has caused this Registration Statement to be signed on  
its behalf, in the city of Charlotte, and the state of North Carolina, on the   
14th day of November, 2014.                                                     

                                                                [Download Table]
                                              
METLIFE INVESTORS USA SEPARATE ACCOUNT A      
(Registrant)                                  

By:   METLIFE INSURANCE COMPANY USA           

By:   /s/ Elizabeth M. Forget                 
      ----------------------------------------
      Elizabeth M. Forget                     
      Senior Vice President                   

By:   METLIFE INSURANCE COMPANY USA           
       (Depositor)                            

By:   /s/ Elizabeth M. Forget                 
      ----------------------------------------
      Elizabeth M. Forget                     
      Senior Vice President                   

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  As required by the Securities Act of 1933, this registration statement has
been signed by the following persons in the capacities indicated on November    
14, 2014.                                                                       

                                                        [Enlarge/Download Table]
                                                                                       
/s/ Eric T. Steigerwalt*          Director, Chairman of the Board, President and Chief 
--------------------------------  Executive Officer                                    
Eric T. Steigerwalt                                                                    

/s/ Anant Bhalla*                 Senior Vice President and Chief Finanical Officer    
--------------------------------                                                       
Anant Bhalla                                                                           

/s/ Peter M. Carlson*             Executive Vice President and Chief Accounting Officer
--------------------------------                                                       
Peter M. Carlson                                                                       

/s/ Elizabeth M. Forget*          Director and Senior Vice President                   
--------------------------------                                                       
Elizabeth M. Forget                                                                    

/s/ Gene L. Lunman*               Director and Senior Vice President                   
--------------------------------                                                       
Gene L. Lunman                                                                         


                                                                [Download Table]
                                         
*By:   /s/ Michele H. Abate              
       --------------------------------  

       Michele H. Abate, Attorney-In-Fact
       November 14, 2014                 

* MetLife Insurance Company USA. Executed by Michele H. Abate, Esquire on     
behalf of those indicated pursuant to powers of attorney filed herewith.  

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INDEX TO EXHIBITS 

1(ii)      Resolutions of the Board of Directors of MetLife Investors USA       
           Insurance Company (including Agreement and Plan of Merger attached as
Exhibit B to the resolutions)                             

1(iii)     Resolutions of the Board of Directors of MetLife Insurance Company of
    Connecticut authorizing the acceptance of the Separate Account

3(i)(b)    Amendment to Distribution and Principal Underwriting Agreement       

4(xxii)    Merger Endorsement                                                   

4(xxiii)   Non-qualified Annuity Endorsement                                    

5          Form of Variable Annuity Application                                 

6(i)       Copy of Certificate of Incorporation of the Company and Certificate  
of Amendment                                              

6(ii)      Copy of By-Laws of the Company                                       

8(i)(d)    Amendment to Participation Agreement with Met Investors Series Trust 

8(iii)(c)  Amendment to Participation Agreement with American Funds Insurance   
Series                                                    

8(iv)(d)   Amendment to Participation Agreement among AIM Variable Insurance    
Funds (Invesco Variable Insurance Funds)                  

8(v)(c)    Amendments to Participation Agreement with Fidelity(R) Variable      
Insurance Products Funds                                  

8(vi)(e)   Amendment to Participation Agreement with Franklin Templeton Variable
Insurance Products Trust                                  

8(vii)(c)  Amendment to Participation Agreement with Legg Mason Partners        
         Variable Equity Trust and Legg Mason Partners Variable Income Trust

8(viii)(c) Amendment to Participation Agreement with Oppenheimer Variable       
Account Funds                                             

8(ix)(c)   Amendment to Participation Agreement with Pioneer Variable Contracts 
Trust                                                     

9          Opinion of Counsel                                                   

10         Consent of Independent Registered Public Accounting Firm (Deloitte & 
Touche LLP)                                               

13         Powers of Attorney