Metropolitan Life Separate Account E, et al. – ‘485BPOS’ on 4/12/11

On:  Tuesday, 4/12/11, at 2:25pm ET   ·   Effective:  5/1/11   ·   Accession #:  1193125-11-94970   ·   File #s:  333-83716, 811-04001

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Document/Exhibit                   Description                      Pages   Size 

 1: 485BPOS     Metropolitan Life Separate Account E - Mffs B, L,    582   3.19M 
                          C and E-Bonus                                          
 3: EX-99.10    Consent of Independent Registered Public               1      7K 
                          Accounting Firm                                        
 4: EX-99.13    Powers of Attorney                                    22     85K 
 2: EX-99.3     Participation Agreement - American Funds Summary       5     16K 

485BPOS   —   Metropolitan Life Separate Account E – Mffs B, L, C and E-Bonus
Document Table of Contents

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                                         REGISTRATION NOS. 333-83716/811-04001
================================================================================

SECURITIES AND EXCHANGE COMMISSION  
WASHINGTON, D.C. 20549  

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

FORM N-4  

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 
                                                                           [X]

POST-EFFECTIVE AMENDMENT NO. 15 

                                                                           [X]

AND/OR  
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940 
AMENDMENT NO. 153 

                                                                           [X]

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

METROPOLITAN LIFE SEPARATE ACCOUNT E  
(EXACT NAME OF REGISTRANT)  

METROPOLITAN LIFE INSURANCE COMPANY 
(EXACT NAME OF DEPOSITOR) 

200 PARK AVENUE, NEW YORK, NEW YORK 10166 
(ADDRESS OF DEPOSITOR'S PRINCIPAL EXECUTIVE OFFICES) (ZIP CODE) 

(212) 578-3067  

(DEPOSITOR'S TELEPHONE NUMBER, INCLUDING AREA CODE) 

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

NICHOLAS D. LATRENTA, ESQ.  

EXECUTIVE VICE-PRESIDENT AND GENERAL COUNSEL  
METROPOLITAN LIFE INSURANCE COMPANY 
200 PARK AVENUE 
NEW YORK, NEW YORK 10166  
(NAME AND ADDRESS OF AGENT FOR SERVICE) 

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

COPIES TO:  
DIANE E. AMBLER, ESQ. 
K&L GATES LLP 
1601 K STREET, N.W. 
WASHINGTON, D.C. 20006  

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

IT IS PROPOSED THAT THE FILING WILL BECOME EFFECTIVE:                           
[_] immediately upon filing pursuant to paragraph (b) of Rule 485         

[X] on May 1, 2011 pursuant to paragraph (b) of Rule 485                  

[_] 60 days after filing pursuant to paragraph (a)(1) of Rule 485         
[_] on [date] pursuant to paragraph (a)(1) of Rule 485                    

PURSUANT TO RULE 24F-2 UNDER THE INVESTMENT COMPANY ACT OF 1940, THE REGISTRANT 
HAS REGISTERED AN INDEFINITE AMOUNT OF SECURITIES. REGISTRANT'S RULE 24F-2      
NOTICE FOR THE YEAR ENDED DECEMBER 31, 2010 WAS FILED WITH THE COMMISSION ON OR 
ABOUT MARCH 24, 2011.                                                           

================================================================================

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METROPOLITAN LIFE SEPARATE ACCOUNT E  
FORM N-4  
UNDER 
THE SECURITIES ACT OF 1933 AND THE INVESTMENT COMPANY ACT OF 1940 

CROSS REFERENCE SHEET 
(PURSUANT TO RULE 481(A)) 

                                                        [Enlarge/Download Table]

Form N-4                                                                                           
Item No.                                                  Prospectus Heading                       
--------                                                  ------------------                       
                                                                                                   
   1.    Cover Page............... Cover Page                                                      

   2.    Definitions.............. Important Terms You Should Know                                 

   3.    Synopsis................. Table of Expenses                                               

   4.    Condensed Financial       General Information--Performance; General Information--         
         Information..............   Financial Statements                                          

   5.    General Description of    MetLife; Metropolitan Life Separate Account E; Your Investment  
         Registrant, Depositor,      Choices; General Information--Voting Rights                   
         and Portfolio Companies..                                                                 

   6.    Deductions and Expenses.. Table of Expenses; Deferred Annuities--Charges; Deferred        
                                     Annuities--Withdrawal Charges; Deferred Annuities--           
                                     Premium and Other Taxes; Income Options--Charges;             
                                     General Information--Who Sells the Deferred Annuities;        
                                     Appendix--Premium Tax Table                                   

   7.    General Description of    Variable Annuities; Replacement of Annuity Contracts; Classes of
         Variable Annuity            the Deferred Annuity; Deferred Annuities--Purchase            
         Contracts................   Payments (Allocation of Purchase Payments and Limits on       
                                     Purchase Payments); Deferred Annuities--Transfer Privilege;   
                                     General Information--Administration (Purchase Payments/       
                                     Confirming Transactions/Transactions by Telephone or          
                                     Internet/Processing Transactions/Changes to Your Deferred     
                                     Annuity/When We Can Cancel Your Deferred Annuity/After        
                                     Your Death/Third Party Requests)                              

   8.    Annuity Period........... Important Terms You Should Know; Deferred Annuities--Pay-       
                                     Out Options (or Income Options); Income Payment Types/The     
                                     Value of Your Income Payments/Reallocation Privilege;         
                                     Optional Benefits--Guaranteed Minimum Income Benefit          

   9.    Death Benefit............ Deferred Annuities--Death Benefit--Generally; Standard          
                                     Death Benefit; Optional Benefits                              

  10.    Purchases and Annuity     MetLife; Metropolitan Life Separate Account E; Deferred         
         Values...................   Annuities--Purchase Payments (Allocation of Purchase          
                                     Payments and Limits on Purchase Payments); The Value of       
                                     Your Investment; Pay-out Options (or Income Options);         
                                     Allocation; The Value of Your Income Payments; General        
                                     Information--Administration (Purchase Payments)               

  11.    Redemptions.............. Deferred Annuities--Access to Your Money (Systematic            
                                     Withdrawal Program and Minimum Distribution); Deferred        
                                     Annuities--Withdrawal Charges (When No Withdrawal             
                                     Charge Applies); When No Withdrawal Charge Applies to the     
                                     eBonus Class; General Information--When We Can Cancel         
                                     Your Deferred Annuity; General Information--Valuation--       
                                     Suspension of Payment                                         

  12.    Taxes.................... Income Taxes                                                    

                                                                           1

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Form N-4                                                                                       
Item No.                                                Prospectus Heading                     
--------                                                ------------------                     
                                                                                               
  13.    Legal Proceedings........ Legal Proceedings                                           

  14.    Table of Contents of the  Table of Contents of the Statement of Additional Information
         Statement of Additional                                                               
         Information..............                                                             

  15.    Cover Page............... Cover Page                                                  

  16.    Table of Contents........ Table of Contents                                           

  17.    General Information and   Not Applicable                                              
         History..................                                                             

  18.    Services................. Independent Registered Public Accounting Firm; Services;    
                                     Distribution of Certificates and Interests in the Deferred
                                     Annuities                                                 

  19.    Purchase of Securities    Not Applicable                                              
         Being Offered............                                                             

  20.    Underwriters............. Distribution of Certificates and Interests in the Deferred  
                                     Annuities; Withdrawal Charge                              

  21.    Calculation of            Advertisement of the Separate Account                       
         Performance Data.........                                                             

  22.    Annuity Payments......... Variable Income Payments                                    

  23.    Financial Statements..... Financial Statements of the Separate Account; Financial     
                                     Statements of MetLife                                     

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                                                                   May 1, 2011

MetLife Financial Freedom Select(R) Variable Annuity Contracts Issued by        
Metropolitan Life Insurance Company                                             
This Prospectus describes MetLife Financial Freedom Select group and individual 
deferred variable annuity contracts ("Deferred Annuities").                     

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

You decide how to allocate your money among the various available       
 investment choices. The investment choices available to you are listed in
  the Contract for your Deferred Annuity. Your choices may include the Fixed
Interest Account (not offered or described in this Prospectus) and investment   
divisions available through Metropolitan Life Separate Account E which, in      
turn, invest in the following corresponding portfolios of the Metropolitan      
Series Fund, Inc. ("Metropolitan Fund"), a portfolio of the Calvert Variable    
Series, Inc. ("Calvert Fund"), portfolios of the Met Investors Series Trust     
("Met Investors Fund") and funds of the American Funds Insurance Series(R)      
("American Funds(R)"). For convenience, the portfolios and the funds are        
referred to as "Portfolios" in this Prospectus.                                 

                                                        [Enlarge/Download Table]
                                                                                      
                                  AMERICAN FUNDS(R)                                   
AMERICAN FUNDS BOND                          AMERICAN FUNDS GROWTH                    
AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION   AMERICAN FUNDS GROWTH-INCOME             
                                     CALVERT FUND                                     
CALVERT VP SRI BALANCED                                                               
                                  MET INVESTORS FUND                                  
AMERICAN FUNDS(R) BALANCED ALLOCATION        MET/FRANKLIN TEMPLETON FOUNDING STRATEGY 
AMERICAN FUNDS(R) GROWTH ALLOCATION          MET/TEMPLETON GROWTH                     
AMERICAN FUNDS(R) MODERATE ALLOCATION        METLIFE AGGRESSIVE STRATEGY              
BLACKROCK LARGE CAP CORE                     MFS(R) RESEARCH INTERNATIONAL            
CLARION GLOBAL REAL ESTATE                   MORGAN STANLEY MID CAP GROWTH            
HARRIS OAKMARK INTERNATIONAL                 OPPENHEIMER CAPITAL APPRECIATION         
INVESCO SMALL CAP GROWTH                     PIMCO INFLATION PROTECTED BOND           
JANUS FORTY                                  PIMCO TOTAL RETURN                       
LAZARD MID CAP                               RCM TECHNOLOGY                           
LORD ABBETT BOND DEBENTURE                   SSGA GROWTH AND INCOME ETF               
MET/FRANKLIN INCOME                          SSGA GROWTH ETF                          
MET/FRANKLIN LOW DURATION TOTAL RETURN       T. ROWE PRICE MID CAP GROWTH             
MET/FRANKLIN MUTUAL SHARES                   THIRD AVENUE SMALL CAP VALUE             
                                  METROPOLITAN FUND                                   
BARCLAYS CAPITAL AGGREGATE BOND INDEX        METLIFE MODERATE TO AGGRESSIVE ALLOCATION
BLACKROCK BOND INCOME                        METLIFE STOCK INDEX                      
BLACKROCK LARGE CAP VALUE                    MFS(R) TOTAL RETURN                      
BLACKROCK LEGACY LARGE CAP GROWTH            MFS(R) VALUE                             
DAVIS VENTURE VALUE                          MORGAN STANLEY EAFE(R) INDEX             
FI VALUE LEADERS                             NEUBERGER BERMAN GENESIS                 
LOOMIS SAYLES SMALL CAP CORE                 NEUBERGER BERMAN MID CAP VALUE           
LOOMIS SAYLES SMALL CAP GROWTH               RUSSELL 2000(R) INDEX                    
MET/ARTISAN MID CAP VALUE                    T. ROWE PRICE LARGE CAP GROWTH           
METLIFE CONSERVATIVE ALLOCATION              T. ROWE PRICE SMALL CAP GROWTH           
METLIFE CONSERVATIVE TO MODERATE ALLOCATION  WESTERN ASSET MANAGEMENT STRATEGIC BOND  
METLIFE MID CAP STOCK INDEX                  OPPORTUNITIES                            
METLIFE MODERATE ALLOCATION                  WESTERN ASSET MANAGEMENT U.S. GOVERNMENT 

Certain Portfolios have been subject to a change. Please see Appendix           
V -- "Additional Information Regarding the Portfolios".                         

HOW TO LEARN MORE:                                                              

Before investing, read this Prospectus. The Prospectus contains information     
about the Deferred Annuities and Metropolitan Life Separate Account E which you 
should know before investing. Keep this Prospectus for future reference. For    
more information, request a copy of the Statement of Additional Information     
("SAI"), dated May 1, 2011. The SAI is considered part of this Prospectus as    
though it were included in the Prospectus. The Table of Contents of the SAI     
appears on page 85 of this Prospectus. To request a free copy of the SAI or to  
ask questions, write or call:                                                   

Metropolitan Life Insurance Company                                             
P.O. Box 10342                                                                  
Des Moines, IA 50306-0342                                                       
(800) 638-7732                                                                  

Deferred                                                                      
Annuities                                                                     
Available:                                                                    

.  TSA                                                                    
.  TSA ERISA                                                              
.  Simplified Employee Pensions (SEPs)                                    
.  SIMPLE Individual Retirement Annuities                                 
.  457(b) Eligible Deferred Compensation Arrangements (457(b)s)           
.  403(a) Arrangements                                                    

Classes Available                                                             
for each                                                                      
Deferred Annuity                                                              
.  B                                                                      
.  C                                                                      
.  L                                                                      

A word about investment risk:                                                 

An investment in any of these variable annuities involves investment risk. You
could lose money you invest. Money invested is NOT:                           

.  a bank deposit or obligation;                                              

.  federally insured or guaranteed; or                                        

.  endorsed by any bank or other financial institution.                       

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Each class of the Deferred Annuities has its own Separate Account charge and    
withdrawal charge schedule. Each provides the opportunity to invest for         
retirement.                                                                     

The Securities and Exchange Commission has a Web site (http://www.sec.gov)      
which you may visit to view this Prospectus, SAI and other information. The     
Securities and Exchange Commission has not approved or disapproved these        
securities or determined if this Prospectus is truthful or complete. Any        
representation otherwise is a criminal offense.                                 

2                                                                               

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TABLE OF CONTENTS 

                                                                [Download Table]
                                                                
Important Terms You Should Know.............................  5 
Table of Expenses...........................................  8 
Accumulation Unit Values Tables............................. 16 
MetLife..................................................... 17 
Metropolitan Life Separate Account E........................ 17 
Variable Annuities.......................................... 17 
    Replacement of Annuity Contracts........................ 18 
    The Deferred Annuity.................................... 18 
Classes of the Deferred Annuity............................. 20 
Your Investment Choices..................................... 21 
Deferred Annuities.......................................... 27 
    The Deferred Annuity and Your Retirement Plan........... 27 
    Automated Investment Strategies......................... 27 
    Purchase Payments....................................... 28 
        Purchase Payments--Section 403(b) Plans............. 28 
        Allocation of Purchase Payments..................... 29 
        Limits on Purchase Payments......................... 29 
    The Value of Your Investment............................ 29 
    Transfer Privilege...................................... 30 
    Access to Your Money.................................... 33 
        Systematic Withdrawal Program....................... 33 
        Minimum Distribution................................ 34 
    Charges................................................. 35 
        Separate Account Charge............................. 35 
        Investment-Related Charge........................... 35 
    Annual Contract Fee..................................... 36 
        Optional Guaranteed Minimum Income Benefit.......... 36 
        Optional Lifetime Withdrawal Guarantee Benefit...... 36 
    Premium and Other Taxes................................. 36 
    Withdrawal Charges...................................... 37 
        When No Withdrawal Charge Applies................... 38 
    Free Look............................................... 39 
    Death Benefit--Generally................................ 39 
        Standard Death Benefit.............................. 40 
    Optional Benefits....................................... 41 
        Annual Step-Up Death Benefit........................ 41 
        Guaranteed Minimum Income Benefit................... 43 
        Lifetime Withdrawal Guarantee Benefit............... 49 
    Pay-Out Options (or Income Options)..................... 57 
        Income Payment Types................................ 58 
        Allocation.......................................... 59 
        Minimum Size of Your Income Payment................. 59 
        The Value of Your Income Payments................... 59 

                                                                           3

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                                                        [Enlarge/Download Table]
                                                                                     
        Reallocation Privilege...................................................  61
        Charges..................................................................  62
General Information..............................................................  63
    Administration...............................................................  63
        Purchase Payments........................................................  63
        Confirming Transactions..................................................  63
        Processing Transactions..................................................  64
           By Telephone or Internet..............................................  64
           After Your Death......................................................  64
           Misstatement..........................................................  65
           Third Party Requests..................................................  65
           Valuation--Suspension of Payments.....................................  65
    Advertising Performance......................................................  65
    Changes to Your Deferred Annuity.............................................  67
    Voting Rights................................................................  68
    Who Sells the Deferred Annuities.............................................  68
    Financial Statements.........................................................  71
    Your Spouse's Rights.........................................................  71
    When We Can Cancel Your Deferred Annuity.....................................  71
Income Taxes.....................................................................  72
Legal Proceedings................................................................  84
Table of Contents for the Statement of Additional Information....................  85
Appendix I Premium Tax Table.....................................................  86
Appendix II What You Need To Know If You Are A Texas Optional Retirement Program     
  Participant....................................................................  87
Appendix III Accumulation Unit Values for Each Investment Division...............  88
Appendix IV Portfolio Legal and Marketing Names.................................. 108
Appendix V Additional Information Regarding the Portfolios....................... 109

The Deferred Annuities are not intended to be offered anywhere that they may    
not lawfully be offered and sold. MetLife has not authorized any information or 
representations about the Deferred Annuities other than the information in this 
Prospectus, supplements to the prospectus or any supplemental sales material we 
authorize.                                                                      

4                                                                               

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IMPORTANT TERMS YOU SHOULD KNOW                                                 

ACCOUNT BALANCE                                                                 

When you purchase a Deferred Annuity, an account is set up for you. Your        
Account Balance is the total amount of money credited to you under your         
Deferred Annuity including money in the investment divisions of the Separate    
Account and the Fixed Interest Account.                                         

ACCUMULATION UNIT VALUE                                                         

With a Deferred Annuity, money paid-in or transferred into an investment        
division of the Separate Account is credited to you in the form of accumulation 
units. Accumulation units are established for each investment division. We      
determine the value of these accumulation units at the close of the Exchange    
(see definition below) each day the Exchange is open for regular trading. The   
Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later.  
The values increase or decrease based on the investment performance of the      
corresponding underlying Portfolios.                                            

ADMINISTRATIVE OFFICE                                                           

Your Administrative Office is the MetLife office that will generally handle the 
administration of all your requests concerning your Deferred Annuity. Your      
Contract will indicate the address of your Administrative Office. We will       
notify you if there is a change in the address of your Administrative Office.   
The telephone number to call to initiate a request is 1-800-638-7732.           

ANNUITANT                                                                       

The natural person whose life is the measure for determining the duration and   
the dollar amount of income payments.                                           

ANNUITY UNIT VALUE                                                              

With a variable pay-out option, the money paid-in or reallocated into an        
investment division of the Separate Account is held in the form of annuity      
units. Annuity units are established for each investment division. We determine 
the value of these annuity units at the close of the Exchange each day the      
Exchange is open for regular trading. The Exchange usually closes at 4 p.m.     
Eastern Time but may close earlier or later. The values increase or decrease    
based on the investment performance of the corresponding underlying Portfolios. 

ASSUMED INVESTMENT RETURN (AIR)                                                 

Under a variable pay-out option, the AIR is the assumed percentage rate of      
return used to determine the amount of the first variable income payment. The   
AIR is also the benchmark that is used to calculate the investment performance  
of a given investment division to determine all subsequent payments to you.     

BENEFICIARY                                                                     

The person or persons who receives a benefit, including continuing payments or  
a lump sum payment, if the owner dies.                                          

CONTRACT                                                                        

A Contract is the legal agreement between you and MetLife or between MetLife    
and the employer, plan trustee or other entity or the certificate issued to you 
under a group annuity contract. This document contains relevant provisions of   
your Deferred Annuity. MetLife issues Contracts for each of the annuities       
described in this Prospectus.                                                   

                                                                           5

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CONTRACT ANNIVERSARY                                                            

An anniversary of the date we issue the Deferred Annuity.                       

CONTRACT YEAR                                                                   

The Contract Year for a Deferred Annuity is the one year period starting on the 
date we issue the Deferred Annuity and each Contract Anniversary thereafter.    
For the TSA Deferred Annuity issued to a plan subject to the Employee           
Retirement Income Security Act of 1974 ("TSA ERISA Deferred Annuity"), 457(b)   
and 403(a) Deferred Annuities, for convenience, Contract Year also refers to    
the one year period starting on the date the participant enrolls in the plan    
funded by the Deferred Annuity.                                                 

EXCHANGE                                                                        

In this Prospectus, the New York Stock Exchange is referred to as the           
"Exchange."                                                                     

GOOD ORDER                                                                      

A request or transaction generally is considered in "good order" if it complies 
with our administrative procedures and the required information is complete and 
correct. 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 sales           
representative before submitting the form or request.                           

INVESTMENT DIVISION                                                             

Investment divisions are subdivisions of the Separate Account. When you         
allocate a purchase payment, transfer money or make reallocations of your       
income payment to an investment division, the investment division purchases     
shares of a Portfolio (with the same name) within the Metropolitan Fund, the    
Calvert Fund, the Met Investors Fund or the American Funds(R).                  

METLIFE                                                                         

MetLife is Metropolitan Life Insurance Company which is the company that issues 
the Deferred Annuities. Throughout this Prospectus, MetLife is also referred to 
as "we," "us" or "our."                                                         

SEPARATE ACCOUNT                                                                

A separate account is an investment account. All assets contributed to          
investment divisions under the Deferred Annuities are pooled in the Separate    
Account and maintained for the benefit of investors in Deferred Annuities.      

VARIABLE ANNUITY                                                                

An annuity in which returns/income payments are based upon the performance of   
investments such as stocks and bonds held by one or more underlying Portfolios. 
You assume the investment risk for any amounts allocated to the investment      
divisions in a variable annuity.                                                

WITHDRAWAL CHARGE                                                               

The withdrawal charge is the amount we deduct from the amount you have          
withdrawn from your Deferred Annuity, if you withdraw money prematurely from a  
Deferred Annuity. This charge is often referred to as a deferred sales load or  
back-end sales load.                                                            

6                                                                               

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YOU                                                                             

In this Prospectus, depending on the context, "you" is the owner of the         
Deferred Annuity or the participant or annuitant for whom money is invested     
under certain group arrangements. In cases where we are referring to giving     
instructions or making payments to us for 457(b), 403(a), TSA ERISA and certain 
TSA non-ERISA Deferred Annuities, "you" means the trustee or employer. Under    
457(b), 403(a) and 403(b) plans where the participant or annuitant is permitted 
to choose among investment choices, "you" means the participant or annuitant    
who is giving us instructions about the investment choices.                     

                                                                           7

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TABLE OF EXPENSES--METLIFE FINANCIAL FREEDOM SELECT DEFERRED ANNUITIES    

   The following tables describe the expenses you will pay when you buy,
  hold or withdraw amounts from your Deferred Annuity. The first table
  describes charges you will pay at the time you purchase the Deferred
Annuity, make withdrawals from your Deferred Annuity or make transfers    
between the investment divisions. There are no fees for the Fixed Interest
Account. The tables do not show premium taxes (See Appendix I) and other  
taxes which may apply.                                                    

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

Contract Owner Transaction Expenses                                         

                                                        [Enlarge/Download Table]
                                                                                           
Sales Charge Imposed on Purchase Payments.............................                 None
Withdrawal Charge (as a percentage of the amount withdrawn) (1).......             Up to 9%
Transfer Fee (2)...................................................... Current Charge: None
                                                             Maximum Guaranteed Charge: $25

/1/A withdrawal charge may apply if you take a withdrawal from your Deferred  
Annuity. The charge on the amount withdrawn for each class is calculated
according to the following schedule:                                    

                                                                [Download Table]

IF WITHDRAWN DURING CONTRACT YEAR              B CLASS C CLASS L CLASS
---------------------------------              ------- ------- -------
                                                                      
1.............................................    9%    None      9%  
2.............................................    9%              8%  
3.............................................    9%              7%  
4.............................................    9%              6%  
5.............................................    8%              5%  
6.............................................    7%              4%  
7.............................................    6%              2%  
8.............................................    5%              0%  
9.............................................    4%              0%  
10............................................    3%              0%  
11............................................    2%              0%  
12............................................    1%              0%  
Thereafter....................................    0%              0%  

 There are times when the withdrawal charge does not apply to amounts that
are withdrawn from a Deferred Annuity. For example, after the first     
   Contract Year, each year you may withdraw up to 10% of your Account Balance
   without a withdrawal charge. These withdrawals are made on a non-cumulative
basis. For Deferred Annuities issued in Connecticut and certain other   
states or for public school employees in certain states, the withdrawal 
  charge for the B Class are as follows: during Contract Year 1:10%, Year 2:
   9%, Year 3: 8%, Year 4: 7%, Year 5: 6%, Year 6: 5%, Year 7: 4%, Year 8: 3%,
Year 9: 2%, Year 10: 1%, Year 11 and Thereafter: 0%.                    

For Deferred Annuities issued in New York and certain other states, the 
  withdrawal charges for the B Class are as follows: during Contract Year 1:
   9%; Year 2: 9%; Year 3: 8%; Year 4: 7%; Year 5: 6%; Year 6: 5%; Year 7: 4%;
Year 8: 3%; Year 9: 2%; Year 10: 1%; Year 11 and thereafter: 0%.        

/2/We reserve the right to limit transfers as described later in this         
Prospectus. We reserve the right to impose a transfer fee. The amount of
this fee will be no greater than $25 per transfer.                      

--------------------------------------------------------------------------------
The second table describes the fees and expenses that you will bear   
  periodically during the time you hold the Deferred Annuity, but does not
    include fees and expenses for the Portfolios. You pay the Separate Account
charge designated under the appropriate class for the Standard Death  
Benefit or the Optional Annual Step-Up Death Benefit.                 

                                                                [Download Table]
                                                                    
Annual Contract Fee (3)......................................... $30

                                                                [Download Table]
                                                                     
Current Annual Separate Account Charge (as a percentage of your      
average Account Balance) for all investment divisions except the     
American Funds Growth-Income, American Funds Growth, American Funds  
Bond and American Funds Global Small Capitalization Divisions (4)    
                                              B CLASS C CLASS L CLASS
Death Benefit                                 ------- ------- -------
  Standard Death Benefit.....................  1.15%   1.45%   1.30% 
  Optional Annual Step-Up Death Benefit......  1.25%   1.55%   1.40% 

8                                                                               

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                                                        [Enlarge/Download Table]
                                                                                      
Current Annual Separate Account Charge (as a percentage of your average Account       
  Balance) for the American Funds Growth- Income, American Funds Growth, American     
  Funds Bond and American Funds Global Small Capitalization Divisions and maximum     
  guaranteed Separate Account charge (as a percentage of your Account Balance) for    
  all future investment divisions (4)                                                 
                                                 B CLASS C CLASS        L CLASS       
Death Benefit                                    ------- ------- ---------------------
  Standard Death Benefit........................  1.40%   1.70%                  1.55%
  Optional Annual Step-Up Death Benefit.........  1.50%   1.80%                  1.65%

Optional Guaranteed Minimum Income Benefit (5)..................                 0.70%

Optional Lifetime Withdrawal Guarantee Benefit (6)..............         Maximum      
                                                                      Guaranteed      
                                                                         Charge: 0.95%
                                                                 Current Charge: 0.95%

/3/ This fee may be waived under certain circumstances. This fee is waived if   
   your total purchase payments for the prior 12 months are at least $2,000 on
  the day the fee is deducted or if your Account Balance is at least $25,000
on the day the fee is deducted. The fee will be deducted on a pro-rata  
basis (determined based upon the number of complete months that have    
elapsed since the prior Contract Anniversary) if you take a total       
withdrawal of your Account Balance. This fee will not be deducted if you
are on medical leave approved by your employer or called to active armed
service duty at the time the fee is to be deducted and your employer has
 informed us of your status. During the pay-out phase we reserve the right
to deduct this fee.                                                     

/4/ You pay the Separate Account charge with the Standard Death Benefit for     
your class of the Deferred Annuity during the pay-out phase of your     
Contract. Charges for optional benefits are those for a Deferred Annuity
 purchased after April 30, 2009. Different charges may have been in effect
for prior time periods. We reserve the right to impose an additional    
   Separate Account charge on investment divisions that we add to the Contract
in the future. The additional amount will not exceed the annual rate of 
 0.25% of the average Account Balance in any such investment divisions, as
shown in the table labeled "Current Separate Account Charge for the     
American Funds(R) investment divisions and maximum guaranteed Separate  
Account Charge for all future investment divisions".                    

We are waiving 0.08% of the Separate Account charge for the investment  
division investing in the BlackRock Large-Cap Core Portfolio.           

/5/ You may not have the Guaranteed Minimum Income Benefit and the Lifetime     
Withdrawal Benefit in effect at the same time.                          

The charge for the Guaranteed Minimum Income Benefit is a percentage of 
 your guaranteed minimum income base, as defined later in this Prospectus,
  and is deducted at the end of each Contract Year by withdrawing amounts on
a pro-rata basis from your Fixed Interest Account balance and Separate  
Account balance (net of any loans). (We take amounts from the Separate  
 Account by canceling, if available, accumulation units from your Separate
 Account.) You do not pay this charge once you are in the pay-out phase of
  your Contract. Different charges for the Guaranteed Minimum Income Benefit
were in effect prior to May 4, 2009.                                    

/6/ The charge for the Lifetime Withdrawal Guarantee Benefit is a percentage of 
your Total Guaranteed Withdrawal Amount, as defined later in this       
   Prospectus, and is deducted at the end of each Contract Year by withdrawing
amounts on a pro-rata basis from your Fixed Interest Account balance and
Separate Account balance. (We take amounts from the Separate Account by 
canceling accumulation units from your Separate Account balance.) You do
not pay this charge once you are in the payout phase of your Contract or
  after your rider terminates. If an Automatic Annual Step-Up occurs under a
Lifetime Withdrawal Guarantee Benefit, we may increase the Lifetime     
Withdrawal Guarantee Benefit charge to then current charge, but no more 
than a maximum of 0.95%. Different charges for the optional Lifetime    
Withdrawal Guarantee Benefit were in effect prior to May 4, 2009. If, at
the time the Contract was issued, the current charge for the benefit was
equal to the maximum charge, then the charge for the benefit will not   
increase upon an Automatic Annual Step-Up. (See Lifetime Withdrawal     
Guarantee Benefit for more information.)                                

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

The third table shows the minimum and maximum total operating expenses charged  
by the Portfolios, as well as the operating expenses for each Portfolio, that   
you may bear periodically while you hold the Deferred Annuity. All the          
Portfolios listed below are Class B except for the Portfolios of the American   
Funds(R), which are Class 2 Portfolios, American Funds(R) Balanced Allocation   
Portfolio, American Funds(R) Growth Allocation Portfolio and American Funds(R)  
Moderate Allocation Portfolio of the Met Investors Fund which are Class C       
Portfolios, and the Calvert VP SRI Balanced Portfolio. Certain Portfolios may   
impose a redemption fee in the future. More details concerning the Metropolitan 
Fund, the Calvert Fund, the Met Investors Fund and the American Funds(R) fees   
and expenses are contained in their respective prospectuses. Current            
prospectuses for the Portfolios can be obtained by calling 800-638-7732.        

Minimum and Maximum Total Annual Fund Operating Expenses                    

                                                                [Download Table]
                                                                             
Total Annual American Funds(R), Calvert Fund, Met Investors  Minimum* Maximum
Fund and Metropolitan Fund Operating Expenses for the                        
fiscal year ending December 31, 2010 (expenses that are                      
deducted from Fund assets, including management fees,          0.52%    1.32%
distribution and/or service (12b-1) fees and other                           
expenses).                                                                   

 * Does not take into consideration any American Funds(R) Portfolio, for which
an additional separate account charge applies.                          

                                                                           9

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  AMERICAN FUNDS(R)--CLASS 2 ANNUAL                                                                       
  EXPENSES FOR FISCAL YEAR ENDING                                                                         
  DECEMBER 31, 2010                                                                                       
                                                                                   -----------------------
(as a percentage of average                                                         CONTRACTUAL           
daily net assets)                         DISTRIBUTION          ACQUIRED   TOTAL    FEE WAIVER   NET TOTAL
                                             AND/OR               FUND    ANNUAL      AND/OR      ANNUAL  
                               MANAGEMENT   SERVICE     OTHER   FEES AND OPERATING    EXPENSE    OPERATING
                                  FEE     (12B-1) FEES EXPENSES EXPENSES EXPENSES  REIMBURSEMENT EXPENSES 
----------------------------------------------------------------------------------------------------------
                                                                                                          
American Funds Bond Fund......    0.37%       0.25%      0.01%     --      0.63%        --         0.63%  
American Funds Global Small                                                                               
  Capitalization Fund.........    0.71%       0.25%      0.04%     --      1.00%        --         1.00%  
American Funds Growth Fund....    0.32%       0.25%      0.02%     --      0.59%        --         0.59%  
American Funds Growth-Income                                                                              
  Fund........................    0.27%       0.25%      0.02%     --      0.54%        --         0.54%  
                                                                                   -----------------------

                                                        [Enlarge/Download Table]

  CALVERT FUND ANNUAL EXPENSES FOR                                                                        
  FISCAL YEAR ENDING DECEMBER 31,                                                                         
  2010                                                                                                    
                                                                                   -----------------------
(as a percentage of average                                                         CONTRACTUAL           
daily net assets)                         DISTRIBUTION          ACQUIRED   TOTAL    FEE WAIVER   NET TOTAL
                                             AND/OR               FUND    ANNUAL      AND/OR      ANNUAL  
                               MANAGEMENT   SERVICE     OTHER   FEES AND OPERATING    EXPENSE    OPERATING
                                  FEE     (12B-1) FEES EXPENSES EXPENSES EXPENSES  REIMBURSEMENT EXPENSES 
----------------------------------------------------------------------------------------------------------
                                                                                                          
Calvert VP SRI Balanced                                                                                   
  Portfolio...................    0.70%        --        0.21%     --      0.91%        --         0.91%  
                                                                                   -----------------------

                                                        [Enlarge/Download Table]

  MET INVESTORS FUND--ANNUAL                                                                                 
  EXPENSES FOR FISCAL YEAR ENDING                                                                            
  DECEMBER 31, 2010                                                                                          
                                                                                   --------------------------
(as a percentage of average                                                         CONTRACTUAL              
daily net assets)                         DISTRIBUTION          ACQUIRED   TOTAL    FEE WAIVER   NET TOTAL   
                                             AND/OR               FUND    ANNUAL      AND/OR      ANNUAL     
                               MANAGEMENT   SERVICE     OTHER   FEES AND OPERATING    EXPENSE    OPERATING   
                                  FEE     (12B-1) FEES EXPENSES EXPENSES EXPENSES  REIMBURSEMENT EXPENSES    
-------------------------------------------------------------------------------------------------------------
                                                                                                             
American Funds(R) Balanced                                                                                   
  Allocation Portfolio --                                                                                    
  Class C.....................    0.06%       0.55%      0.02%    0.38%    1.01%         --        1.01%     
American Funds(R) Growth                                                                                     
  Allocation Portfolio --                                                                                    
  Class C.....................    0.07%       0.55%      0.02%    0.38%    1.02%         --        1.02%     
American Funds(R) Moderate                                                                                   
  Allocation Portfolio --                                                                                    
  Class C.....................    0.07%       0.55%      0.02%    0.37%    1.01%         --        1.01%     
BlackRock Large Cap Core                                                                                     
  Portfolio -- Class B........    0.59%       0.25%      0.05%      --     0.89%         --        0.89%     
Clarion Global Real Estate                                                                                   
  Portfolio -- Class B........    0.62%       0.25%      0.07%      --     0.94%         --        0.94%     
Harris Oakmark International                                                                                 
  Portfolio -- Class B........    0.78%       0.25%      0.07%      --     1.10%       0.01%       1.09%/1/  
Invesco Small Cap Growth                                                                                     
  Portfolio -- Class B........    0.85%       0.25%      0.04%      --     1.14%       0.02%       1.12%/2/  
Janus Forty Portfolio --                                                                                     
  Class B.....................    0.63%       0.25%      0.04%      --     0.92%         --        0.92%     
Lazard Mid Cap Portfolio --                                                                                  
  Class B.....................    0.69%       0.25%      0.04%      --     0.98%         --        0.98%     
Lord Abbett Bond Debenture                                                                                   
  Portfolio -- Class B........    0.50%       0.25%      0.03%      --     0.78%         --        0.78%     
Met/Franklin Income Portfolio                                                                                
  -- Class B..................    0.76%       0.25%      0.09%      --     1.10%       0.09%       1.01%/3/  
Met/Franklin Low Duration                                                                                    
  Total Return Portfolio --                                                                                  
  Class B.....................    0.51%       0.25%      0.14%      --     0.90%       0.03%       0.87%/3/  
Met/Franklin Mutual Shares                                                                                   
  Portfolio -- Class B........    0.80%       0.25%      0.08%      --     1.13%         --        1.13%     
Met/Franklin Templeton                                                                                       
  Founding Strategy Portfolio                                                                                
  -- Class B..................    0.05%       0.25%      0.02%    0.81%    1.13%       0.02%       1.11%/4/  
Met/Templeton Growth                                                                                         
  Portfolio -- Class B........    0.69%       0.25%      0.13%      --     1.07%       0.02%       1.05%/5,6/
MetLife Aggressive Strategy                                                                                  
  Portfolio -- Class B........    0.09%       0.25%      0.02%    0.74%    1.10%       0.01%       1.09%/7/  
MFS(R) Research International                                                                                
  Portfolio -- Class B........    0.69%       0.25%      0.09%      --     1.03%       0.03%       1.00%/8/  
Morgan Stanley Mid Cap Growth                                                                                
  Portfolio -- Class B........    0.66%       0.25%      0.14%      --     1.05%       0.02%       1.03%/9/  
Oppenheimer Capital                                                                                          
  Appreciation Portfolio --                                                                                  
  Class B.....................    0.60%       0.25%      0.06%      --     0.91%         --        0.91%     
PIMCO Inflation Protected                                                                                    
  Bond Portfolio -- Class B...    0.47%       0.25%      0.04%      --     0.76%         --        0.76%     
                                                                                   --------------------------

10                                                                              

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  MET INVESTORS FUND--ANNUAL                                                                              
  EXPENSES FOR FISCAL YEAR ENDING                                                                         
  DECEMBER 31, 2010                                                                                       
                                                                                   -----------------------
(as a percentage of average                                                         CONTRACTUAL           
daily net assets)                         DISTRIBUTION          ACQUIRED   TOTAL    FEE WAIVER   NET TOTAL
                                             AND/OR               FUND    ANNUAL      AND/OR      ANNUAL  
                               MANAGEMENT   SERVICE     OTHER   FEES AND OPERATING    EXPENSE    OPERATING
                                  FEE     (12B-1) FEES EXPENSES EXPENSES EXPENSES  REIMBURSEMENT EXPENSES 
----------------------------------------------------------------------------------------------------------
                                                                                                          
PIMCO Total Return Portfolio                                                                              
  -- Class B..................    0.48%       0.25%      0.03%      --     0.76%        --         0.76%  
RCM Technology Portfolio --                                                                               
  Class B.....................    0.88%       0.25%      0.09%      --     1.22%        --         1.22%  
SSgA Growth and Income ETF                                                                                
  Portfolio -- Class B........    0.31%       0.25%      0.02%    0.28%    0.86%        --         0.86%  
SSgA Growth ETF Portfolio --                                                                              
  Class B.....................    0.33%       0.25%      0.03%    0.27%    0.88%        --         0.88%  
T. Rowe Price Mid Cap Growth                                                                              
  Portfolio -- Class B........    0.75%       0.25%      0.04%      --     1.04%        --         1.04%  
Third Avenue Small Cap Value                                                                              
  Portfolio -- Class B........    0.74%       0.25%      0.04%      --     1.03%        --         1.03%  
                                                                                   -----------------------

                                                        [Enlarge/Download Table]

  METROPOLITAN FUND--CLASS B ANNUAL                                                                         
  EXPENSES FOR FISCAL YEAR ENDING                                                                           
  DECEMBER 31, 2010                                                                                         
                                                                                   -------------------------
(as a percentage of average                                                         CONTRACTUAL             
daily net assets)                         DISTRIBUTION          ACQUIRED   TOTAL    FEE WAIVER   NET TOTAL  
                                             AND/OR               FUND    ANNUAL      AND/OR      ANNUAL    
                               MANAGEMENT   SERVICE     OTHER   FEES AND OPERATING    EXPENSE    OPERATING  
                                  FEE     (12B-1) FEES EXPENSES EXPENSES EXPENSES  REIMBURSEMENT EXPENSES   
------------------------------------------------------------------------------------------------------------
                                                                                                            
Barclays Capital Aggregate                                                                                  
  Bond Index Portfolio........    0.25%       0.25%      0.03%      --     0.53%       0.01%       0.52%/10/
BlackRock Bond Income                                                                                       
  Portfolio...................    0.37%       0.25%      0.03%      --     0.65%       0.03%       0.62%/11/
BlackRock Large Cap Value                                                                                   
  Portfolio...................    0.63%       0.25%      0.02%      --     0.90%       0.03%       0.87%/12/
BlackRock Legacy Large Cap                                                                                  
  Growth Portfolio............    0.73%       0.25%      0.04%      --     1.02%       0.02%       1.00%/13/
Davis Venture Value Portfolio.    0.70%       0.25%      0.03%      --     0.98%       0.05%       0.93%/14/
FI Value Leaders Portfolio....    0.67%       0.25%      0.06%      --     0.98%         --        0.98%    
Loomis Sayles Small Cap Core                                                                                
  Portfolio...................    0.90%       0.25%      0.06%      --     1.21%       0.05%       1.16%/15/
Loomis Sayles Small Cap                                                                                     
  Growth Portfolio............    0.90%       0.25%      0.17%      --     1.32%       0.05%       1.27%/16/
Met/Artisan Mid Cap Value                                                                                   
  Portfolio...................    0.81%       0.25%      0.03%      --     1.09%         --        1.09%    
MetLife Conservative                                                                                        
  Allocation Portfolio........    0.10%       0.25%      0.01%    0.55%    0.91%       0.01%       0.90%/17/
MetLife Conservative to                                                                                     
  Moderate Allocation                                                                                       
  Portfolio...................    0.08%       0.25%      0.02%    0.61%    0.96%         --        0.96%    
MetLife Mid Cap Stock Index                                                                                 
  Portfolio...................    0.25%       0.25%      0.06%    0.01%    0.57%         --        0.57%    
MetLife Moderate Allocation                                                                                 
  Portfolio...................    0.06%       0.25%        --     0.66%    0.97%         --        0.97%    
MetLife Moderate to                                                                                         
  Aggressive Allocation                                                                                     
  Portfolio...................    0.06%       0.25%      0.01%    0.71%    1.03%         --        1.03%    
MetLife Stock Index Portfolio.    0.25%       0.25%      0.02%      --     0.52%       0.01%       0.51%/10/
MFS(R) Total Return Portfolio.    0.54%       0.25%      0.04%      --     0.83%         --        0.83%    
MFS(R) Value Portfolio........    0.71%       0.25%      0.02%      --     0.98%       0.11%       0.87%/18/
Morgan Stanley EAFE(R) Index                                                                                
  Portfolio...................    0.30%       0.25%      0.11%    0.01%    0.67%         --        0.67%    
Neuberger Berman Genesis                                                                                    
  Portfolio...................    0.83%       0.25%      0.06%      --     1.14%       0.02%       1.12%/19/
Neuberger Berman Mid Cap                                                                                    
  Value Portfolio.............    0.65%       0.25%      0.05%      --     0.95%         --        0.95%    
Russell 2000(R) Index                                                                                       
  Portfolio...................    0.25%       0.25%      0.07%    0.01%    0.58%         --        0.58%    
T. Rowe Price Large Cap                                                                                     
  Growth Portfolio............    0.60%       0.25%      0.04%      --     0.89%         --        0.89%    
T. Rowe Price Small Cap                                                                                     
  Growth Portfolio............    0.50%       0.25%      0.07%      --     0.82%         --        0.82%    
Western Asset Management                                                                                    
  Strategic Bond                                                                                            
  Opportunities Portfolio.....    0.62%       0.25%      0.05%      --     0.92%       0.04%       0.88%/20/
Western Asset Management U.S.                                                                               
  Government Portfolio........    0.47%       0.25%      0.03%      --     0.75%       0.01%       0.74%/21/
                                                                                   -------------------------

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   Certain Portfolios that have "Acquired Fund Fees and Expenses" are "fund of
funds." Each "fund of funds" invests substantially all of its assets in 
other portfolios. Because the Portfolio invests in other underlying     
 portfolios, the Portfolio will bear its pro rata portion of the operating
expenses of the underlying portfolios in which it invests, including the
management fee. See the underlying fund prospectus for more information.

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

/1/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
   Portfolio to the annual rate of 0.725% of the Portfolio's average daily net
assets exceeding $1 billion. This arrangement may be modified or        
   discontinued prior to April 30, 2012 only with the approval of the Board of
Trustees of the Portfolio.                                              

/2/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
  Portfolio to the annual rate of 0.83% of the Portfolio's average daily net
  assets from $250 million to $500 million. This arrangement may be modified
   or discontinued prior to April 30, 2012 only with the approval of the Board
of Trustees of the Portfolio.                                           

/3/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
   through April 30, 2012, to waive a portion of its management fee reflecting
the difference, if any, between the subadvisory fee payable by MetLife  
   Advisers, LLC to the Portfolio's subadviser that is calculated based solely
on the assets of the Portfolio and the fee that is calculated when the  
 Portfolio's assets are aggregated with those of certain other portfolios.
 This arrangement may be modified or discontinued prior to April 30, 2012,
only with the approval of the Board of Trustees of the Portfolio.       

/4/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
   to April 30, 2012, to limit its fee and to reimburse expenses to the extent
necessary to limit net operating expenses to 0.05%, excluding 12b-1 fees
and acquired fund fees and expenses. This arrangement may be modified or
   discontinued prior to April 30, 2012 only with the approval of the Board of
Trustees of the Portfolio.                                              

/5/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
   to April 30, 2012, to limit its fee and to reimburse expenses to the extent
 necessary to limit net operating expenses to 0.80%, excluding 12b-1 fees.
This arrangement may be modified or discontinued prior to April 30, 2012
only with the approval of the Board of Trustees of the Portfolio.       

/6/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
   through April 30, 2012, to waive a portion of the Management Fee reflecting
  the difference, if any, between the subadvisory fee payable by the Adviser
to the Subadviser that is calculated based solely on the assets of the  
Portfolio and the fee that is calculated when the Portfolio's assets are
  aggregated with those of certain other portfolios. This arrangement may be
   modified or discontinued prior to April 30, 2012, only with the approval of
the Board of Trustees of the Portfolio.                                 

/7/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
   to April 30, 2012, to limit its fee and to reimburse expenses to the extent
necessary to limit net operating expenses to 0.10%, excluding 12b-1 fees
and acquired fund fees and expenses. This arrangement may be modified or
   discontinued prior to April 30, 2012 only with the approval of the Board of
Trustees of the Portfolio.                                              

/8/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
  Portfolio to the annual rate of 0.55% of the Portfolio's average daily net
assets exceeding $1.5 billion. This arrangement may be modified or      
   discontinued prior to April 30, 2012 only with the approval of the Board of
Trustees of the Portfolio.                                              

/9/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.65% of the first $500 million of the  
 Portfolio's average daily net assets plus 0.625% of such assets over $500
million. This arrangement may be modified or discontinued prior to      
April 30, 2012 only with the approval of the Board of Trustees of the   
Portfolio.                                                              

/10/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.245% for the amounts over $500 million
but less than $1 billion, 0.24% for the next $1 billion and 0.235% on   
 amounts over $2 billion. This arrangement may be modified or discontinued
 prior to April 30, 2012, only with the approval of the Board of Directors
of the Portfolio.                                                       

/11/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.37% for the first $1 billion of the   
  Portfolio's average daily net assets, 0.325% for the next $2.4 billion and
0.25% on amounts over $3.4 billion. This arrangement may be modified or 
 discontinued prior to April 30, 2012, only with the approval of the Board
of Directors of the Portfolio.                                          

/12/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.68% for the first $250 million of the 
Portfolio's average daily net assets, 0.625% for the next $500 million, 
 0.60% for the next $250 million and 0.55% on amounts over $1billion. This
 arrangement may be modified or discontinued prior to April 30, 2012, only
with the approval of the Board of Directors of the Portfolio.           

/13/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.705% for the amounts over $300 million
  but less than $1 billion. This arrangement may be modified or discontinued
 prior to April 30, 2012, only with the approval of the Board of Directors
of the Portfolio.                                                       

/14/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.75% for the first $50 million of the  
Portfolio's average daily net assets, 0.70% for the next $450 million,  
   0.65% for the next $4 billion and 0.625% on amounts over $4.5 billion. This
 arrangement may be modified or discontinued prior to April 30, 2012, only
with the approval of the Board of Directors of the Portfolio.           

12                                                                              

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/15/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.85% for the first $500 million of the 
Portfolio's average daily net assets and 0.80% on amounts over $500     
million. This arrangement may be modified or discontinued prior to      
April 30, 2012, only with the approval of the Board of Directors of the 
Portfolio.                                                              

/16/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.85% for the first $100 million of the 
Portfolio's average daily net assets and 0.80% on amounts over $100     
million. This arrangement may be modified or discontinued prior to      
April 30, 2012, only with the approval of the Board of Directors of the 
Portfolio.                                                              

/17/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
through April 30, 2012, to waive fees or pay all expenses (other than   
 acquired fund fees and expenses, brokerage costs, taxes, interest and any
 extraordinary expenses) so as to limit net operating expenses (other than
 acquired fund fees and expenses, brokerage costs, taxes, interest and any
extraordinary expenses) of each Class of the Portfolio to 0.10% of the  
average daily net assets of the Class A shares and 0.35% of the average 
   daily net assets of the Class B shares. This arrangement may be modified or
 discontinued prior to April 30, 2012, only with the approval of the Board
of Directors of the Portfolio.                                          

/18/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.65% for the first $1.25 billion of the
 Portfolio's average daily net assets, 0.60% for the next $250 million and
0.50% on amounts over $1.5 billion. This arrangement may be modified or 
 discontinued prior to April 30, 2012, only with the approval of the Board
of Directors of the Portfolio.                                          

/19/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.825% for the first $500 million of the
 Portfolio's average daily net assets. This arrangement may be modified or
 discontinued prior to April 30, 2012, only with the approval of the Board
of Directors of the Portfolio.                                          

/20/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.595% for the first $500 million of the
 Portfolio's average daily net assets. This arrangement may be modified or
 discontinued prior to April 30, 2012, only with the approval of the Board
of Directors of the Portfolio.                                          

/21/Metlife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
   Portfolio to the annual rate of 0.50% for the amounts over $200 million but
less than $500 million. This arrangement may be modified or discontinued
 prior to April 30, 2012, only with the approval of the Board of Directors
of the Portfolio.                                                       

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,         
annual contract fees, if any, separate account charges, and underlying      
Portfolio fees and expenses.                                                

Examples 1 through 3 assume you purchased the Contract with optional        
benefits that resulted in the highest possible combination of charges.      
Examples 4 through 6 assume you purchased the Contract with no optional     
benefits that resulted in the least expensive combination of charges.       
Example 1.  This example shows the dollar amount of expenses that you       
would bear directly or indirectly on a $10,000 investment for the time      
periods indicated. Your actual costs may be higher or lower.                
Assumptions:                                                                
.  your total Account Balance is $16,000 (for purposes of determining the     
impact of the Annual Contract Fee);                                     
.  there was no allocation to the Fixed Interest Account;                     
.  you bear the minimum or maximum fees and expenses of any of the            
Portfolios (without reimbursement and/or waiver of expenses);           
.  you select the B Class;                                                    
.  the underlying Portfolio earns a 5% annual return;                         
.  you select the Annual Step-Up Death Benefit; and                           
.  you select the Lifetime Withdrawal Guarantee Benefit.                      

You surrender your Contract, with applicable withdrawal charges deducted.   

                                                                [Download Table]


                                                   1      3      5     10   
                                                  YEAR  YEARS  YEARS  YEARS 
----------------------------------------------------------------------------
                                                                            
Maximum......................................... $1,289 $1,997 $2,735 $4,472
Minimum......................................... $1,216 $1,780 $2,375 $3,741

                                                                            13

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You do not surrender your Contract or you elect to annuitize (elect a       
pay-out option with an income payment type under which you receive          
income payments over your lifetime) (no withdrawal charges will be          
deducted).                                                                  

                                                                [Download Table]


                                                  1     3      5     10   
                                                 YEAR YEARS  YEARS  YEARS 
--------------------------------------------------------------------------
                                                                          
Maximum......................................... $378 $1,160 $1,976 $4,175
Minimum......................................... $298   $922 $1,584 $3,418

Example 2.  This example shows the dollar amount of expenses that you       
would bear directly or indirectly on a $10,000 investment for the time      
periods indicated. Your actual costs may be higher or lower.                
Assumptions:                                                                
.  your total Account Balance is $16,000 (for purposes of determining the     
impact of the Annual Contract Fee);                                     
.  there was no allocation to the Fixed Interest Account;                     
.  you bear the minimum or maximum fees and expenses of any of the            
Portfolios (without reimbursement and/or waiver of expenses);           
.  you select the C Class;                                                    
.  the underlying Portfolio earns a 5% annual return;                         
.  you select the Annual Step-Up Death Benefit; and                           
.  you select the Lifetime Withdrawal Guarantee Benefit.                      

You fully surrender your Contract, you elect to annuitize (select a         
pay-out option with an income payment type under which you receive          
income payments over your lifetime) or you do not elect to annuitize (no    
withdrawal charges apply to the C Class).                                   

                                                                [Download Table]


                                                  1     3      5     10   
                                                 YEAR YEARS  YEARS  YEARS 
--------------------------------------------------------------------------
                                                                          
Maximum......................................... $408 $1,248 $2,119 $4,442
Minimum......................................... $328 $1,012 $1,733 $3,710

Example 3.  This example shows the dollar amount of expenses that you       
would bear directly or indirectly on a $10,000 investment for the time      
periods indicated. Your actual costs may be higher or lower.                
Assumptions:                                                                
.  your total Account Balance is $16,000 (for purposes of determining the     
impact of the Annual Contract Fee);                                     
.  there was no allocation to the Fixed Interest Account;                     
.  you bear the minimum or maximum fees and expenses of any of the            
Portfolios (without reimbursement and/or waiver of expenses);           
.  you select the L Class;                                                    
.  the underlying Portfolio earns a 5% annual return;                         
.  you select the Annual Step-Up Death Benefit; and                           
.  you select the Lifetime Withdrawal Guarantee Benefit.                      

You fully surrender your Contract, with applicable withdrawal charges       
deducted.                                                                   

                                                                [Download Table]


                                                   1      3      5     10   
                                                  YEAR  YEARS  YEARS  YEARS 
----------------------------------------------------------------------------
                                                                            
Maximum......................................... $1,302 $1,852 $2,518 $4,310
Minimum......................................... $1,230 $1,631 $2,149 $3,565

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You do not surrender your Contract or you elect to annuitize (elect a       
pay-out option with an income payment type under which you receive          
income payments over your lifetime) (no withdrawal charges will be          
deducted).                                                                  

                                                                [Download Table]


                                                  1     3      5     10   
                                                 YEAR YEARS  YEARS  YEARS 
--------------------------------------------------------------------------
                                                                          
Maximum......................................... $393 $1,204 $2,048 $4,310
Minimum......................................... $313   $967 $1,658 $3,565

Example 4.  This example shows the dollar amount of expenses that you       
would bear directly or indirectly on a $10,000 investment for the time      
periods indicated. Your actual costs may be higher or lower.                
Assumptions:                                                                
.  your total Account Balance is $16,000 (for purposes of determining the     
impact of the Annual Contract Fee);                                     
.  there was no allocation to the Fixed Interest Account;                     
.  you bear the minimum or maximum fees and expenses of any of the            
Portfolios (without reimbursement and/or waiver of expenses);           
.  you select the B Class; and                                                
.  the underlying Portfolio earns a 5% annual return.                         
You surrender your Contract, with applicable charges deducted.              

                                                                [Download Table]


                                                     1      3      5     10   
                                                    YEAR  YEARS  YEARS  YEARS 
------------------------------------------------------------------------------
                                                                              
Maximum........................................... $1,189 $1,690 $2,210 $3,313
Minimum........................................... $1,116 $1,470 $1,840 $2,534

You do not surrender your Contract or you elect to annuitize (elect a       
pay-out option with an income payment type under which you receive          
income payments over your lifetime) (no withdrawal charges will be          
deducted).                                                                  

                                                                [Download Table]


                                                  1     3     5     10   
                                                 YEAR YEARS YEARS  YEARS 
-------------------------------------------------------------------------
                                                                         
Maximum......................................... $269 $824  $1,405 $2,976
Minimum......................................... $189 $583  $1,003 $2,169

Example 5.  This example shows the dollar amount of expenses that you       
would bear directly or indirectly on a $10,000 investment for the time      
periods indicated. Your actual costs may be higher or lower.                
Assumptions:                                                                
.  your total Account Balance is $16,000 (for purposes of determining the     
impact of the Annual Contract Fee);                                     
.  there was no allocation to the Fixed Interest Account;                     
.  you bear the minimum or maximum fees and expenses of any of the            
Portfolios (without reimbursement and/or waiver of expenses);           
.  you select the C Class; and                                                
.  the underlying Portfolio earns a 5% annual return.                         

You fully surrender your Contract, you elect to annuitize (select a         
pay-out option with an income payment type under which you receive          
income payments over your lifetime) or you do not elect to annuitize (no    
withdrawal charges apply to the C Class).                                   

                                                                [Download Table]


                                                  1     3     5     10   
                                                 YEAR YEARS YEARS  YEARS 
-------------------------------------------------------------------------
                                                                         
Maximum......................................... $299 $913  $1,552 $3,261
Minimum......................................... $219 $674  $1,156 $2,480

                                                                            15

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Example 6.  This example shows the dollar amount of expenses that you       
would bear directly or indirectly on a $10,000 investment for the time      
periods indicated. Your actual costs may be higher or lower.                
Assumptions:                                                                
.  your total Account Balance is $16,000 (for purposes of determining the     
impact of the Annual Contract Fee);                                     
.  there was no allocation to the Fixed Interest Account;                     
.  you bear the minimum or maximum fees and expenses of any of the            
Portfolios (without reimbursement and/or waiver of expenses);           
.  you select the L Class; and                                                
.  the underlying Portfolio earns a 5% annual return.                         

You surrender your Contract, with applicable charges deducted.              

                                                                [Download Table]


                                                     1      3      5     10   
                                                    YEAR  YEARS  YEARS  YEARS 
------------------------------------------------------------------------------
                                                                              
Maximum........................................... $1,203 $1,539 $1,978 $3,119
Minimum........................................... $1,130 $1,316 $1,599 $2,325

You do not surrender your Contract or you elect to annuitize (elect a       
pay-out option with an income payment type under which you receive          
income payments over your lifetime) (no withdrawal charges will be          
deducted).                                                                  

                                                                [Download Table]


                                                  1     3     5     10   
                                                 YEAR YEARS YEARS  YEARS 
-------------------------------------------------------------------------
                                                                         
Maximum......................................... $284 $869  $1,479 $3,119
Minimum......................................... $204 $629  $1,079 $2,325

ACCUMULATION UNIT VALUES FOR EACH INVESTMENT DIVISION                     

See Appendix III.                                                 

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METLIFE                                                                         

   Metropolitan Life Insurance Company and its subsidiaries (collectively,
   "MLIC" or the "Company") is a leading provider of insurance, annuities,
and employee benefits programs with operations throughout the United
States. The Company offers life insurance and annuities to individuals, as well 
as group insurance and retirement & savings products and services to            
corporations and other institutions. The Company was formed under the laws of   
New York in 1868. The Company's home office is located at 200 Park Avenue, New  
York, New York 10166-0188. The Company is a wholly-owned subsidiary of MetLife, 
Inc. MetLife, Inc. is a leading global provider of insurance, annuities and     
employee benefit programs, serving 90 million customers in over 60 countries.   
Through its subsidiaries and affiliates, MetLife, Inc. holds leading market     
positions in the United States, Japan, Latin America, Asia Pacific, Europe and  
the Middle East.                                                                

METROPOLITAN LIFE                                                               

SEPARATE ACCOUNT E                                                              

  We established Metropolitan Life Separate Account E on September 27,
      1983. The purpose of the Separate Account is to hold the variable assets
 that underlie the MetLife Financial Freedom Select Variable Annuity
Contracts and some other variable annuity contracts we issue. We have           
registered the Separate Account with the Securities and Exchange Commission as  
a unit investment trust under the Investment Company Act of 1940, as amended    
("1940 Act").                                                                   

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 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 Minimum Income Benefit or optional Guaranteed      
Withdrawal Benefit that exceeds the assets in the Separate Account are also     
paid from our general account. Benefit amounts paid from the general account    
are subject to the financial strength and claims paying ability of the Company  
and our long term 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 is regulated as an     
insurance company under state law, which includes, generally, limits on the     
amount and type of investments in its general account. However, there is no     
guarantee that we will be able to meet our claims paying obligations; there are 
risks to purchasing any insurance product.                                      

VARIABLE ANNUITIES                                                              

 This Prospectus describes a type of variable annuity, a Deferred Annuity.
  These annuities are "variable" because the value of your account or income
payment varies based on the investment performance of the investment    
divisions you choose. In short, the value of your Deferred Annuity and your     
income payments under a variable pay-out option of your Deferred Annuity may go 
up or down. Since the investment performance is not guaranteed, your money is   
at risk. The degree of risk will depend on the investment divisions you select. 
The Accumulation Unit Value or Annuity Unit Value for each investment division  
rises or falls based on the investment performance (or "experience") of the     
Portfolio with the same name. MetLife and its affiliates also offer other       
annuities not described in this Prospectus.                                     

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The Deferred Annuities have a fixed interest rate option called the "Fixed      
Interest Account." The Fixed Interest Account is not available to all contract  
owners. The Fixed Interest Account offers an interest rate that is guaranteed   
by us (the current minimum rate on the Fixed Interest Account is 3% but may be  
lower based on your state and issue date and, therefore, may be lower for       
certain Contracts). The Fixed Interest Account is not available with a Deferred 
Annuity issued in New York State with the optional Guaranteed Minimum Income    
Benefit. The variable pay-out options under the Deferred Annuities have a fixed 
payment option called the "Fixed Income Option." Under the Fixed Income Option, 
we guarantee the amount of your fixed income payments. These fixed options are  
not described in this Prospectus although we occasionally refer to them.        

REPLACEMENT OF ANNUITY CONTRACTS                                                

EXCHANGE PROGRAMS: From time to time we may offer programs under which certain  
fixed or variable annuity contracts previously issued by us may be exchanged    
for the Deferred Annuity offered by this Prospectus. Currently, with respect to 
exchanges from certain of our variable annuity contracts to this Deferred       
Annuity, an existing contract is eligible for exchange if a withdrawal from, or 
surrender of, the contract would not trigger a withdrawal charge. The Account   
Balance of this Deferred Annuity attributable to the exchanged assets will not  
be subject to any withdrawal charge. Any additional purchase payments           
contributed to the new Deferred Annuity will be subject to all fees and         
charges, including the withdrawal charge described in the current Prospectus    
for the new Deferred Annuity. 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 (E.G., the death      
benefit charges, the living benefit charges, and the separate account charge)   
of your current contract to the fees and charges of the new Contract, which may 
be higher than your current contract. These programs 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 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 Deferred Annuity. Other charges may be higher  
(or lower) and the benefits may be different. Also, because we will not issue   
the Deferred Annuity until we have received the initial purchase payments from  
your existing insurance company, the issuance of the Deferred Annuity may be    
delayed. Generally, it is not advisable to purchase a Deferred Annuity as a     
replacement for an existing variable annuity contract. Before you exchange      
another annuity for our Deferred Annuity, ask your registered representative    
whether the exchange would be advantageous, given the contract features,        
benefits and charges.                                                           

THE DEFERRED ANNUITY                                                            

    You accumulate money in your account during the pay-in phase by making one
or more purchase payments. MetLife will hold your money and credit    
investment returns as long as the money remains in your account.      

All TSA plans (ERISA and non-ERISA), IRAs (including SEPs and SIMPLE IRAs),     
457(b) plans and 403(a) arrangements receive tax deferral under the Internal    
Revenue Code. There are no additional tax benefits from funding TSA ERISA or    
non-ERISA plans, IRAs (including SEPs and SIMPLE IRAs), 457(b) plans and 403(a) 
arrangements with a Deferred Annuity. Therefore, there should be reasons other  
than tax deferral for acquiring the Deferred Annuity, such as the availability  
of a guaranteed income for life, the death benefits or the other optional       
benefits available under this Deferred Annuity.                                 

Under the Internal Revenue Code ("Code"), spousal continuation and certain      
distribution options are available only to a person who is defined as a         
"spouse" under the Federal Defense of Marriage Act or other applicable Federal  
law. All                                                                        

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Contract provisions will be interpreted and administered in accordance with the 
requirements of the Code. Therefore, under current Federal law, a purchaser who 
has or is contemplating a civil union or same-sex marriage should note that the 
favorable tax treatment afforded under Federal law would not be available to    
such same-sex partner or same-sex spouse. Same-sex partners or spouses who own  
or are considering the purchase of annuity products that provide benefits based 
upon status as a spouse should consult a tax advisor.                           

A Deferred Annuity consists of two phases: the accumulation or "pay-in" phase   
and the income or "pay-out" phase. The pay-out phase begins when you either     
take all of your money out of the account or elect income payments using the    
money in your account. The number and the amount of the income payments you     
receive will depend on such things as the type of pay-out option you choose,    
your investment choices, and the amount used to provide your income payments.   
Because Deferred Annuities offer the insurance benefit of income payment        
options, including our guarantee of income for your lifetime, they are          
"annuities."                                                                    

The Deferred Annuity is offered in several variations, which we call "classes." 
Your employer, association or other group contract holder may limit the         
availability of certain classes. If available, only the C Class is available to 
the 457(b) Deferred Annuity issued to state and local governments in New York   
State. Each has its own Separate Account charge and applicable withdrawal       
charge (except C Class which has no withdrawal charges). The Deferred Annuity   
also offers you the opportunity to choose optional benefits, each for a charge  
in addition to the Separate Account charge with the Standard Death Benefit for  
that class. If you purchase the optional death benefit you receive the optional 
benefit in place of the Standard Death Benefit. In deciding what class of the   
Deferred Annuity to purchase, you should consider the amount of Separate        
Account and withdrawal charges you are willing to bear relative to your needs.  
In deciding whether to purchase the optional benefits, you should consider the  
desirability of the benefit relative to its additional cost and to your needs.  
Unless you tell us otherwise, we will assume that you are purchasing the B      
Class Deferred Annuity with the Standard Death Benefit and no optional          
benefits. These optional benefits are:                                          

..   an Annual Step-Up Death Benefit;                                           

..   a Guaranteed Minimum Income Benefit; and                                   

..   a Lifetime Withdrawal Guarantee Benefit.                                   

Each of these optional benefits is described in more detail later in this       
Prospectus. Optional benefits may not be available in all states.               

We may restrict the investment choices available to you if you select certain   
optional benefits. These restrictions are intended to reduce the risk of        
investment losses which could require the Company to use its general account    
assets to pay amounts due under the selected optional benefit.                  

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.             

We make available other classes of the Deferred Annuity based upon the          
characteristics of the group. Such characteristics include, but are not limited 
to, the nature of the group, size, the facility by which purchase payments will 
be paid, aggregate amount of anticipated purchase payments or anticipated       
persistency. The availability of other classes to contract owners will be made  
in a reasonable manner and will not be unfairly discriminatory to the interests 
of any contract owner.                                                          

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CLASSES OF THE DEFERRED ANNUITY                                                 

B CLASS                                                                         

The B Class has a 1.15% annual Separate Account charge (1.40% in the case of    
each American Funds(R) investment division) and a declining twelve year (ten    
years for a Deferred Annuity issued in Connecticut and certain other states)    
withdrawal charge on the amount withdrawn. If you choose the optional death     
benefit, the Separate Account charge would be 1.25% or, in the case of each     
American Funds(R) investment division, 1.50%.                                   

C CLASS                                                                         

The C Class has a 1.45% annual Separate Account charge (1.70% in the case of    
each American Funds(R) investment division) and no withdrawal charge. If you    
choose the optional death benefit, the Separate Account charge would be 1.55%   
or, in the case of each American Funds(R) investment division, 1.80%.           

L CLASS                                                                         

The L Class has a 1.30% annual Separate Account charge (1.55% in the case of    
each American Funds(R) investment division) and a declining seven year          
withdrawal charge on the amount withdrawn. If you choose the optional death     
benefit, the Separate Account charge would be 1.40% or, in the case of each     
American Funds(R) investment division, 1.65%.                                   

ELIGIBLE ROLLOVER DISTRIBUTION AND DIRECT TRANSFER CREDIT FOR B AND L CLASSES   

During the first two Contract Years, for the B and L Classes, we currently      
credit 3% (2% in New York State) to each of your purchase payments which        
consist of money from eligible rollover distributions or direct transfers from  
annuities or mutual funds that are not products of MetLife or its affiliates.   
(For Deferred Annuities issued in Connecticut and certain other states, the     
credit also applies to purchase payments which consist of money from eligible   
rollover distributions or direct transfers from annuities and mutual funds that 
are products of MetLife or its affiliates. For Deferred Annuities issued in New 
York State, the credit applies to purchase payments made from salary reductions 
and from eligible rollover distributions or direct transfers from annuities or  
mutual funds that are not products of MetLife or its affiliates.) The credit    
may not be available in all states. Your employer, association or other group   
contract holder may limit the availability of the rollover distribution and     
direct transfer credit. The credit will be applied pro-rata to the Fixed        
Interest Account, if available, and the investment divisions of the Separate    
Account based upon your allocation for your purchase payments at the time the   
transfer or rollover amount is credited. You may only receive the 3% credit if  
you are less than 66 years old at date of issue. The credit is provided, based  
upon certain savings we realize, instead of reducing expenses directly. You do  
not pay any additional charge to receive the credit.                            

For 457(b), 403(a) and TSA ERISA Deferred Annuities, the eligible rollover      
distribution and direct transfer credit amounts must be allocated to the Fixed  
Interest Account and remain in the Fixed Interest Account for a period of five  
years to receive the credit. If the amount is withdrawn prior to the fifth      
year, the entire credit will be forfeited. If a portion is withdrawn prior to   
the fifth year, a portion of the credit that is in the same proportion as the   
withdrawal is to the applicable eligible rollover distribution and direct       
transfer credit will be forfeited.                                              

For the TSA Deferred Annuity, any 3% credit does not become yours until after   
the "free look" period; we retrieve it if you exercise the "free look". Your    
exercise of the "free look" is the only circumstance under which the 3% credit  
will be retrieved (commonly called "recapture"). We then will refund either     
your purchase payments or Account Balance, depending upon your state law. In    
the case of a refund of Account Balance, the refunded amount will include any   
investment performance on amounts attributable to the 3% credit. If there have  
been any losses from the investment performance on the amounts attributable to  
the 3% credit, we will bear that loss.                                          

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YOUR INVESTMENT CHOICES                                                         

The Metropolitan Fund, the Calvert Fund, the Met Investors Fund and the         
American Funds(R) and each of their Portfolios are more fully described in      
their respective prospectuses and SAIs. The SAIs are available upon your        
request. You should read these prospectuses carefully before making purchase    
payments to the investment divisions. Except for the Calvert Fund, all classes  
of shares available to the Deferred Annuities have a 12b-1 Plan fee.            

The investment choices are listed in alphabetical order below, (based upon the  
Portfolios' legal names). (See Appendix IV Portfolio Legal and Marketing        
Names.) The investment divisions generally offer the opportunity for greater    
returns over the long term than our Fixed Interest Account. You should          
understand that each Portfolio incurs its own risk which will be dependent upon 
the investment decisions made by the respective Portfolio's investment manager. 
Furthermore, the name of a Portfolio may not be indicative of all the           
investments held by the Portfolio. The degree of investment risk you assume     
will depend on the investment divisions you choose. While the investment        
divisions and their comparably named Portfolios may have names, investment      
objectives and management which are identical or similar to publicly available  
mutual funds, these investment divisions and Portfolios are not those mutual    
funds. The Portfolios most likely will not have the same performance experience 
as any publicly available mutual fund. Since your Account Balance or income     
payments are subject to the risks associated with investing in stocks and       
bonds, your Account Balance or variable income payments based on amounts        
allocated to the investment divisions may go down as well as up.                

Each Portfolio has different investment objectives and risks. The Portfolio     
prospectuses contain more detailed information on each Portfolio's investment   
strategy, investment managers and its fees. You may obtain a Portfolio          
prospectus by calling 1-800-638-7732, or through your registered                
representative. We do not guarantee the investment results of the Portfolios.   

METROPOLITAN FUND ASSET ALLOCATION PORTFOLIOS                                   

The MetLife Conservative Allocation Portfolio, the MetLife Conservative to      
Moderate Allocation Portfolio, the MetLife Moderate Allocation Portfolio and    
the MetLife Moderate to Aggressive Allocation Portfolio, also known as the      
"asset allocation portfolios", are "fund of funds" Portfolios that invest       
substantially all of their assets in other Portfolios of the Metropolitan Fund  
or the Met Investors Fund. Therefore, each of these asset allocation portfolios 
will bear its pro-rata share of the fees and expenses incurred by the           
underlying Portfolios in which it invests in addition to its own management     
fees and expenses. This will reduce the investment return of each of the asset  
allocation portfolios. The expense levels will vary over time, depending on the 
mix of underlying Portfolios in which the asset allocation portfolio invests.   
Contract owners may be able to realize lower aggregate expenses by investing    
directly in the underlying Portfolios instead of investing in the asset         
allocation portfolios. A contract owner who chooses to invest directly in the   
underlying Portfolios would not, however, receive asset allocation services     
provided by MetLife Advisers, LLC.                                              

MET INVESTORS FUND ASSET ALLOCATION PORTFOLIOS                                  

The American Funds(R) Balanced Allocation Portfolio, the American Funds(R)      
Growth Allocation Portfolio and the American Funds(R) Moderate Allocation       
Portfolio, also known as "asset allocation portfolios", are "funds of funds"    
Portfolios that invest substantially all of their assets in portfolios of the   
American Funds Insurance Series(R). Therefore, each of these asset allocation   
portfolios will bear its pro-rata share of the fees and expenses incurred by    
the underlying portfolio in which it invests in addition to its own management  
fees and expenses. This will reduce the investment return of each of the asset  
allocation portfolios. The expense levels will vary over time, depending on the 
mix of underlying portfolios in which the asset allocation portfolio invests.   
Underlying portfolios consist of American Funds(R) Portfolios that are          
currently available for investment directly under the Contract and other        
underlying American Funds portfolios which are not made available directly      
under the Contract.                                                             

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The MetLife Aggressive Strategy Portfolio, also known as an "asset allocation   
portfolio", is a "fund of funds" Portfolio that invests substantially all of    
its assets in other Portfolios of the Metropolitan Fund or the Met Investors    
Fund. Therefore, this asset allocation portfolio will bear its pro-rata share   
of the fees and expenses incurred by the underlying Portfolio in which it       
invests in addition to its own management fees and expenses. This will reduce   
the investment return of the Portfolio. The expense level will vary over time,  
depending on the mix of underlying Portfolios in which the MetLife Aggressive   
Strategy Portfolio invests. Contract owners may be able to realize lower        
aggregate expenses by investing directly in the underlying Portfolios instead   
of investing in this asset allocation portfolio. A Contract owner who chooses   
to invest directly in the underlying Portfolios would not however receive asset 
allocation services provided by MetLife Advisers, LLC.                          

MET/FRANKLIN TEMPLETON FOUNDING STRATEGY PORTFOLIO                              

The Met/Franklin Templeton Founding Strategy Portfolio is a "funds of funds"    
Portfolio that invests equally in three other portfolios of the Met Investors   
Fund: the Met/Franklin Income Portfolio, the Met/Franklin Mutual Shares         
Portfolio and the Met/Templeton Growth Portfolio. Because the Portfolio invests 
in other underlying portfolios, the Portfolio will bear its pro rata portion of 
the operating expenses of the underlying portfolios in which it invests,        
including the management fee.                                                   

EXCHANGE-TRADED FUNDS PORTFOLIOS                                                

The SSgA Growth ETF Portfolio and the SSgA Growth and Income ETF Portfolio are  
asset allocation Portfolios and "funds of funds" which invest substantially all 
of their assets in other investment companies known as exchange-traded funds    
("Underlying ETFs"). As an investor in an Underlying ETF or other investment    
company, each Portfolio also will bear its pro-rata portion of the fees and     
expenses incurred by the Underlying ETF or other investment company in which it 
invests in addition to its own management fees and expenses. This will reduce   
the investment return of each of the Portfolios. The expense levels will vary   
over time depending on the mix of Underlying ETFs in which these Portfolios     
invest.                                                                         

The current Portfolios are listed below, along with their investment managers   
and any sub-investment manager.                                                 

                                                        [Enlarge/Download Table]


                   PORTFOLIO                                   INVESTMENT OBJECTIVE               
                   ---------                                   --------------------               
                                                             AMERICAN FUNDS(R)                    
                                                             --------------                       
                                                                                                  
AMERICAN FUNDS BOND FUND                         SEEKS AS HIGH A LEVEL OF CURRENT INCOME AS IS    
                                                 CONSISTENT WITH THE PRESERVATION OF CAPITAL.     
AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION       SEEKS LONG-TERM GROWTH OF CAPITAL.               
FUND                                                                                              
AMERICAN FUNDS GROWTH FUND                       SEEKS GROWTH OF CAPITAL.                         
AMERICAN FUNDS GROWTH-INCOME FUND                SEEKS LONG-TERM GROWTH OF CAPITAL AND            
                                                 INCOME.                                          
                                                                CALVERT FUND                      
                                                                ------------                      
CALVERT VP SRI BALANCED PORTFOLIO                SEEKS TO ACHIEVE A COMPETITIVE TOTAL RETURN      
                                                 THROUGH AN ACTIVELY MANAGED PORTFOLIO OF         
                                                 STOCKS, BONDS AND MONEY MARKET INSTRUMENTS       
                                                 WHICH OFFER INCOME AND CAPITAL GROWTH            
                                                 OPPORTUNITY AND WHICH SATISFY THE INVESTMENT     
                                                 CRITERIA, INCLUDING FINANCIAL, SUSTAINABILITY AND
                                                 SOCIAL RESPONSIBILITY FACTORS.                   
                                                             MET INVESTORS FUND                   
                                                             ------------------                   
AMERICAN FUNDS(R) BALANCED ALLOCATION PORTFOLIO  SEEKS A BALANCE BETWEEN A HIGH LEVEL OF          
                                                 CURRENT INCOME AND GROWTH OF CAPITAL, WITH A     
                                                 GREATER EMPHASIS ON GROWTH OF CAPITAL.           
AMERICAN FUNDS(R) GROWTH ALLOCATION PORTFOLIO    SEEKS GROWTH OF CAPITAL.                         

AMERICAN FUNDS(R) MODERATE ALLOCATION PORTFOLIO  SEEKS A HIGH TOTAL RETURN IN THE FORM OF         
                                                 INCOME AND GROWTH OF CAPITAL, WITH A GREATER     
                                                 EMPHASIS ON INCOME.                              

                                                        [Enlarge/Download Table]

                                                            INVESTMENT MANAGER/           
                                                            -------------------           
                   PORTFOLIO                              SUB-INVESTMENT MANAGER          
                   ---------                              ----------------------          
                                                             AMERICAN FUNDS(R)            
                                                             --------------               
                                                                                          
AMERICAN FUNDS BOND FUND                         CAPITAL RESEARCH AND MANAGEMENT COMPANY  

AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION       CAPITAL RESEARCH AND MANAGEMENT COMPANY  
FUND                                                                                      
AMERICAN FUNDS GROWTH FUND                       CAPITAL RESEARCH AND MANAGEMENT COMPANY  
AMERICAN FUNDS GROWTH-INCOME FUND                CAPITAL RESEARCH AND MANAGEMENT COMPANY  

                                                                CALVERT FUND              
                                                                ------------              
CALVERT VP SRI BALANCED PORTFOLIO                CALVERT INVESTMENT MANAGEMENT, INC.      

                                                             MET INVESTORS FUND           
                                                             ------------------           
AMERICAN FUNDS(R) BALANCED ALLOCATION PORTFOLIO  METLIFE ADVISERS, LLC                    
                                                 SUB-INVESTMENT MANAGER: METLIFE ADVISERS,
                                                 LLC                                      
AMERICAN FUNDS(R) GROWTH ALLOCATION PORTFOLIO    METLIFE ADVISERS, LLC                    
                                                 SUB-INVESTMENT MANAGER: METLIFE ADVISERS,
                                                 LLC                                      
AMERICAN FUNDS(R) MODERATE ALLOCATION PORTFOLIO  METLIFE ADVISERS, LLC                    
                                                 SUB-INVESTMENT MANAGER: METLIFE ADVISERS,
                                                 LLC                                      

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                PORTFOLIO                                 INVESTMENT OBJECTIVE              
                ---------                                 --------------------              
                                                                                            
BLACKROCK LARGE CAP CORE PORTFOLIO          SEEKS LONG-TERM CAPITAL GROWTH.                 

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      SEEKS LONG-TERM CAPITAL APPRECIATION.           

INVESCO SMALL CAP GROWTH PORTFOLIO          SEEKS LONG-TERM GROWTH OF CAPITAL.              

JANUS FORTY PORTFOLIO                       SEEKS CAPITAL APPRECIATION.                     

LAZARD MID CAP PORTFOLIO                    SEEKS LONG-TERM GROWTH OF CAPITAL.              

LORD ABBETT BOND DEBENTURE PORTFOLIO        SEEKS HIGH CURRENT INCOME AND THE OPPORTUNITY   
                                            FOR CAPITAL APPRECIATION TO PRODUCE A HIGH TOTAL
                                            RETURN.                                         
MET/FRANKLIN INCOME PORTFOLIO               SEEKS TO MAXIMIZE INCOME WHILE MAINTAINING      
                                            PROSPECTS FOR CAPITAL APPRECIATION.             

MET/FRANKLIN LOW DURATION TOTAL RETURN      SEEKS A HIGH LEVEL OF CURRENT INCOME, WHILE     
PORTFOLIO                                   SEEKING PRESERVATION OF SHAREHOLDERS' CAPITAL.  

MET/FRANKLIN MUTUAL SHARES PORTFOLIO        SEEKS CAPITAL APPRECIATION, WHICH MAY           
                                            OCCASIONALLY BE SHORT-TERM. THE PORTFOLIO'S     
                                            SECONDARY INVESTMENT OBJECTIVE IS INCOME.       
MET/FRANKLIN TEMPLETON FOUNDING STRATEGY    PRIMARILY SEEKS CAPITAL APPRECIATION AND        
PORTFOLIO                                   SECONDARILY SEEKS INCOME.                       

MET/TEMPLETON GROWTH PORTFOLIO              SEEKS LONG-TERM CAPITAL GROWTH.                 

METLIFE AGGRESSIVE STRATEGY PORTFOLIO       SEEKS GROWTH OF CAPITAL.                        

MFS(R) RESEARCH INTERNATIONAL PORTFOLIO     SEEKS CAPITAL APPRECIATION.                     

MORGAN STANLEY MID CAP GROWTH PORTFOLIO     SEEKS CAPITAL APPRECIATION.                     

OPPENHEIMER CAPITAL APPRECIATION PORTFOLIO  SEEKS CAPITAL APPRECIATION.                     

PIMCO INFLATION PROTECTED BOND PORTFOLIO    SEEKS MAXIMUM REAL RETURN, CONSISTENT WITH      
                                            PRESERVATION OF CAPITAL AND PRUDENT             
                                            INVESTMENT MANAGEMENT.                          
PIMCO TOTAL RETURN PORTFOLIO                SEEKS MAXIMUM TOTAL RETURN, CONSISTENT WITH     
                                            THE PRESERVATION OF CAPITAL AND PRUDENT         
                                            INVESTMENT MANAGEMENT.                          
RCM TECHNOLOGY PORTFOLIO                    SEEKS CAPITAL APPRECIATION; NO CONSIDERATION IS 
                                            GIVEN TO INCOME.                                

SSGA GROWTH AND INCOME ETF PORTFOLIO        SEEKS GROWTH OF CAPITAL AND INCOME.             


                                                        [Enlarge/Download Table]

                                                       INVESTMENT MANAGER/            
                                                       -------------------            
                PORTFOLIO                             SUB-INVESTMENT MANAGER          
                ---------                             ----------------------          
                                                                                      
BLACKROCK LARGE CAP CORE PORTFOLIO          METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: BLACKROCK         
                                            ADVISORS, LLC                             
CLARION GLOBAL REAL ESTATE PORTFOLIO        METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: ING CLARION REAL  
                                            ESTATE SECURITIES LLC                     
HARRIS OAKMARK INTERNATIONAL PORTFOLIO      METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: HARRIS ASSOCIATES 
                                            L.P.                                      
INVESCO SMALL CAP GROWTH PORTFOLIO          METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: INVESCO ADVISERS, 
                                            INC.                                      
JANUS FORTY PORTFOLIO                       METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: JANUS CAPITAL     
                                            MANAGEMENT LLC                            
LAZARD MID CAP PORTFOLIO                    METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: LAZARD ASSET      
                                            MANAGEMENT LLC                            
LORD ABBETT BOND DEBENTURE PORTFOLIO        METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: LORD, ABBETT & CO.
                                            LLC                                       
MET/FRANKLIN INCOME PORTFOLIO               METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: FRANKLIN ADVISERS,
                                            INC.                                      
MET/FRANKLIN LOW DURATION TOTAL RETURN      METLIFE ADVISERS, LLC                     
PORTFOLIO                                   SUB-INVESTMENT MANAGER: FRANKLIN ADVISERS,
                                            INC.                                      
MET/FRANKLIN MUTUAL SHARES PORTFOLIO        METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: FRANKLIN MUTUAL   
                                            ADVISERS, LLC                             
MET/FRANKLIN TEMPLETON FOUNDING STRATEGY    METLIFE ADVISERS, LLC                     
PORTFOLIO                                   SUB-INVESTMENT MANAGER: METLIFE ADVISERS, 
                                            LLC                                       
MET/TEMPLETON GROWTH PORTFOLIO              METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: TEMPLETON GLOBAL  
                                            ADVISORS LIMITED                          
METLIFE AGGRESSIVE STRATEGY PORTFOLIO       METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: METLIFE ADVISERS, 
                                            LLC                                       
MFS(R) RESEARCH INTERNATIONAL PORTFOLIO     METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: MASSACHUSETTS     
                                            FINANCIAL SERVICES COMPANY                
MORGAN STANLEY MID CAP GROWTH PORTFOLIO     METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: MORGAN STANLEY    
                                            INVESTMENT MANAGEMENT INC.                
OPPENHEIMER CAPITAL APPRECIATION PORTFOLIO  METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER:                   
                                            OPPENHEIMERFUNDS, INC.                    
PIMCO INFLATION PROTECTED BOND PORTFOLIO    METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: PACIFIC INVESTMENT
                                            MANAGEMENT COMPANY LLC                    
PIMCO TOTAL RETURN PORTFOLIO                METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: PACIFIC INVESTMENT
                                            MANAGEMENT COMPANY LLC                    
RCM TECHNOLOGY PORTFOLIO                    METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: RCM CAPITAL       
                                            MANAGEMENT LLC                            
SSGA GROWTH AND INCOME ETF PORTFOLIO        METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: SSGA FUNDS        
                                            MANAGEMENT, INC.                          

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                 PORTFOLIO                               INVESTMENT OBJECTIVE             
                 ---------                               --------------------             
                                                                                          
SSGA GROWTH ETF PORTFOLIO                    SEEKS GROWTH OF CAPITAL.                     

T. ROWE PRICE MID CAP GROWTH PORTFOLIO       SEEKS LONG-TERM GROWTH OF CAPITAL.           

THIRD AVENUE SMALL CAP VALUE PORTFOLIO       SEEKS LONG-TERM CAPITAL APPRECIATION.        

                                                         METROPOLITAN FUND                
                                                         -----------------                
BARCLAYS CAPITAL AGGREGATE BOND INDEX        SEEKS TO EQUAL THE PERFORMANCE OF THE        
PORTFOLIO                                    BARCLAYS CAPITAL U.S. AGGREGATE BOND INDEX.  

BLACKROCK BOND INCOME PORTFOLIO              SEEKS A COMPETITIVE TOTAL RETURN PRIMARILY   
                                             FROM INVESTING IN FIXED-INCOME SECURITIES.   

BLACKROCK LARGE CAP VALUE PORTFOLIO          SEEKS LONG-TERM GROWTH OF CAPITAL.           

BLACKROCK LEGACY LARGE CAP GROWTH PORTFOLIO  SEEKS LONG-TERM GROWTH OF CAPITAL.           

DAVIS VENTURE VALUE PORTFOLIO                SEEKS GROWTH OF CAPITAL.                     

FI VALUE LEADERS PORTFOLIO                   SEEKS LONG-TERM GROWTH OF CAPITAL.           

LOOMIS SAYLES SMALL CAP CORE PORTFOLIO       SEEKS LONG-TERM CAPITAL GROWTH FROM          
                                             INVESTMENTS IN COMMON STOCKS OR OTHER EQUITY 
                                             SECURITIES.                                  
LOOMIS SAYLES SMALL CAP GROWTH PORTFOLIO     SEEKS LONG-TERM CAPITAL GROWTH.              

MET/ARTISAN MID CAP VALUE PORTFOLIO          SEEKS LONG-TERM CAPITAL GROWTH.              

METLIFE CONSERVATIVE ALLOCATION PORTFOLIO    SEEKS A HIGH LEVEL OF CURRENT INCOME, WITH   
                                             GROWTH OF CAPITAL AS A SECONDARY OBJECTIVE.  
METLIFE CONSERVATIVE TO MODERATE ALLOCATION  SEEKS HIGH TOTAL RETURN IN THE FORM OF INCOME
PORTFOLIO                                    AND GROWTH OF CAPITAL, WITH A GREATER        
                                             EMPHASIS ON INCOME.                          
METLIFE MID CAP STOCK INDEX PORTFOLIO        SEEKS TO EQUAL THE PERFORMANCE OF THE        
                                             STANDARD & POOR'S MIDCAP 400(R) COMPOSITE    
                                             STOCK PRICE INDEX.                           
METLIFE MODERATE ALLOCATION PORTFOLIO        SEEKS A BALANCE BETWEEN A HIGH LEVEL OF      
                                             CURRENT INCOME AND GROWTH OF CAPITAL, WITH A 
                                             GREATER EMPHASIS ON GROWTH OF CAPITAL.       
METLIFE MODERATE TO AGGRESSIVE ALLOCATION    SEEKS GROWTH OF CAPITAL.                     
PORTFOLIO                                                                                 
METLIFE STOCK INDEX PORTFOLIO                SEEKS TO EQUAL THE PERFORMANCE OF THE        
                                             STANDARD & POOR'S 500(R) COMPOSITE STOCK     
                                             PRICE INDEX.                                 
MFS(R) TOTAL RETURN PORTFOLIO                SEEKS A FAVORABLE TOTAL RETURN THROUGH       
                                             INVESTMENT IN A DIVERSIFIED PORTFOLIO.       

MFS(R) VALUE PORTFOLIO                       SEEKS CAPITAL APPRECIATION.                  

MORGAN STANLEY EAFE(R) INDEX PORTFOLIO       SEEKS TO EQUAL THE PERFORMANCE OF THE MSCI   
                                             EAFE(R) INDEX.                               


                                                        [Enlarge/Download Table]

                                                       INVESTMENT MANAGER/           
                                                       -------------------           
                 PORTFOLIO                            SUB-INVESTMENT MANAGER         
                 ---------                            ----------------------         
                                                                                     
SSGA GROWTH ETF PORTFOLIO                    METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: SSGA FUNDS      
                                             MANAGEMENT, INC.                        
T. ROWE PRICE MID CAP GROWTH PORTFOLIO       METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: T. ROWE PRICE   
                                             ASSOCIATES, INC.                        
THIRD AVENUE SMALL CAP VALUE PORTFOLIO       METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: THIRD AVENUE    
                                             MANAGEMENT LLC                          
                                                         METROPOLITAN FUND           
                                                         -----------------           
BARCLAYS CAPITAL AGGREGATE BOND INDEX        METLIFE ADVISERS, LLC                   
PORTFOLIO                                    SUB-INVESTMENT MANAGER: METLIFE         
                                             INVESTMENT ADVISORS COMPANY, LLC        
BLACKROCK BOND INCOME PORTFOLIO              METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: BLACKROCK       
                                             ADVISORS, LLC                           
BLACKROCK LARGE CAP VALUE PORTFOLIO          METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: BLACKROCK       
                                             ADVISORS, LLC                           
BLACKROCK LEGACY LARGE CAP GROWTH PORTFOLIO  METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: BLACKROCK       
                                             ADVISORS, LLC                           
DAVIS VENTURE VALUE PORTFOLIO                METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: DAVIS SELECTED  
                                             ADVISERS, L.P.                          
FI VALUE LEADERS PORTFOLIO                   METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: PYRAMIS GLOBAL  
                                             ADVISORS, LLC                           
LOOMIS SAYLES SMALL CAP CORE PORTFOLIO       METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: LOOMIS, SAYLES &
                                             COMPANY, L.P.                           
LOOMIS SAYLES SMALL CAP GROWTH PORTFOLIO     METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: LOOMIS, SAYLES &
                                             COMPANY, L.P.                           
MET/ARTISAN MID CAP VALUE PORTFOLIO          METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: ARTISAN PARTNERS
                                             LIMITED PARTNERSHIP                     
METLIFE CONSERVATIVE ALLOCATION PORTFOLIO    METLIFE ADVISERS, LLC                   

METLIFE CONSERVATIVE TO MODERATE ALLOCATION  METLIFE ADVISERS, LLC                   
PORTFOLIO                                                                            

METLIFE MID CAP STOCK INDEX PORTFOLIO        METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: METLIFE         
                                             INVESTMENT ADVISORS COMPANY, LLC        
METLIFE MODERATE ALLOCATION PORTFOLIO        METLIFE ADVISERS, LLC                   

METLIFE MODERATE TO AGGRESSIVE ALLOCATION    METLIFE ADVISERS, LLC                   
PORTFOLIO                                                                            
METLIFE STOCK INDEX PORTFOLIO                METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: METLIFE         
                                             INVESTMENT ADVISORS COMPANY, LLC        
MFS(R) TOTAL RETURN PORTFOLIO                METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: MASSACHUSETTS   
                                             FINANCIAL SERVICES COMPANY              
MFS(R) VALUE PORTFOLIO                       METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: MASSACHUSETTS   
                                             FINANCIAL SERVICES COMPANY              
MORGAN STANLEY EAFE(R) INDEX PORTFOLIO       METLIFE ADVISERS, LLC                   
                                             SUB-INVESTMENT MANAGER: METLIFE         
                                             INVESTMENT ADVISORS COMPANY, LLC        

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                                                                                                    INVESTMENT MANAGER/         
                                                                                                    -------------------         
               PORTFOLIO                               INVESTMENT OBJECTIVE                       SUB-INVESTMENT MANAGER        
               ---------                               --------------------                       ----------------------        
                                                                                                                                
NEUBERGER BERMAN GENESIS PORTFOLIO        SEEKS HIGH TOTAL RETURN, CONSISTING PRINCIPALLY  METLIFE ADVISERS, LLC                
                                          OF CAPITAL APPRECIATION.                         SUB-INVESTMENT MANAGER: NEUBERGER    
                                                                                           BERMAN MANAGEMENT LLC                
NEUBERGER BERMAN MID CAP VALUE PORTFOLIO  SEEKS CAPITAL GROWTH.                            METLIFE ADVISERS, LLC                
                                                                                           SUB-INVESTMENT MANAGER: NEUBERGER    
                                                                                           BERMAN MANAGEMENT LLC                
RUSSELL 2000(R) INDEX PORTFOLIO           SEEKS TO EQUAL THE PERFORMANCE OF THE RUSSELL    METLIFE ADVISERS, LLC                
                                          2000(R) INDEX.                                   SUB-INVESTMENT MANAGER: METLIFE      
                                                                                           INVESTMENT ADVISORS COMPANY, LLC     
T. ROWE PRICE LARGE CAP GROWTH PORTFOLIO  SEEKS LONG-TERM GROWTH OF CAPITAL AND,           METLIFE ADVISERS, LLC                
                                          SECONDARILY, DIVIDEND INCOME.                    SUB-INVESTMENT MANAGER: T. ROWE PRICE
                                                                                           ASSOCIATES, INC.                     
T. ROWE PRICE SMALL CAP GROWTH PORTFOLIO  SEEKS LONG-TERM CAPITAL GROWTH.                  METLIFE ADVISERS, LLC                
                                                                                           SUB-INVESTMENT MANAGER: T. ROWE PRICE
                                                                                           ASSOCIATES, INC.                     
WESTERN ASSET MANAGEMENT STRATEGIC BOND   SEEKS TO MAXIMIZE TOTAL RETURN CONSISTENT        METLIFE ADVISERS, LLC                
OPPORTUNITIES PORTFOLIO                   WITH PRESERVATION OF CAPITAL.                    SUB-INVESTMENT MANAGER: WESTERN ASSET
                                                                                           MANAGEMENT COMPANY                   
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT  SEEKS TO MAXIMIZE TOTAL RETURN CONSISTENT        METLIFE ADVISERS, LLC                
PORTFOLIO                                 WITH PRESERVATION OF CAPITAL AND MAINTENANCE     SUB-INVESTMENT MANAGER: WESTERN ASSET
                                          OF LIQUIDITY.                                    MANAGEMENT COMPANY                   

Some of the investment choices may not be available under the terms of your     
Deferred Annuity. Your Contract or other correspondence we provide you will     
indicate the investment divisions that are available to you. Your investment    
choices may be limited because:                                                 

..   Your employer, association or other group contract holder limits the       
available investment divisions.                                         

..   We have restricted the available investment divisions.                     

The investment divisions buy and sell shares of corresponding mutual fund       
Portfolios. These Portfolios, which are part of either the Metropolitan Fund,   
the Calvert Fund, the Met Investors Fund or the American Funds(R) invest in     
stocks, bonds and other investments. All dividends declared by the Portfolios   
are earned by the Separate Account and are reinvested. Therefore, no dividends  
are distributed to you under the Deferred Annuities. You pay no transaction     
expenses (i.e., front-end or back-end sales load charges) as a result of the    
Separate Account's purchase or sale of these mutual fund shares. The Portfolios 
of the Metropolitan Fund and the Met Investors Fund are available by purchasing 
annuities and life insurance policies from MetLife or certain of its affiliated 
insurance companies and are never sold directly to the public. The Calvert Fund 
and American Funds(R) Portfolios are made available by the Calvert Fund and the 
American Funds(R) only through various insurance company annuities and life     
insurance policies.                                                             

The Metropolitan Fund, the Calvert Fund, the Met Investors Fund and the         
American Funds(R) are each "series" type funds registered with the Securities   
and Exchange Commission as an "open-end management investment company" under    
the 1940 Act. A "series" fund means that each Portfolio is one of several       
available through the fund.                                                     

The Portfolios of the Metropolitan Fund and Met Investors Fund pay MetLife      
Advisers, LLC, a MetLife affiliate, a monthly fee for its services as their     
investment manager. The Portfolio of the Calvert Fund pays Calvert Asset        
Management Company, Inc. a monthly fee for its services as its investment       
manager. The Portfolios of the American Funds(R) pay Capital Research and       
Management Company a monthly fee for its services as their investment manager.  
These fees, as well as the operating expenses paid by each Portfolio, are       
described in the applicable prospectus and SAI for the Metropolitan Fund, the   
Calvert Fund, the Met Investors Fund and the American Funds(R).                 

In addition, the Metropolitan Fund and the Met Investors Fund prospectuses each 
discuss other separate accounts of MetLife and its affiliated insurance         
companies and certain qualified retirement plans that invest in the             
Metropolitan Fund or the Met Investors Fund. The risks of these arrangements    
are discussed in each Fund's prospectus.                                        

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Certain Payments We Receive with Regard to the Portfolios. An investment        
manager (other than our affiliate MetLife Advisers, LLC) or sub-investment      
manager of a 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 Deferred Annuities and, in the         
Company's role as an intermediary, with respect to the Portfolios. The Company  
and its affiliates may profit from these payments. These payments may be        
derived, in whole or in part, from the advisory fee deducted from Portfolio     
assets. Contract Owners, through their indirect investment in the Portfolios,   
bear the costs of these advisory fees (see the Portfolios' prospectuses for     
more information). The amount of the payments we receive is based on a          
percentage of assets of the Portfolios attributable to the Deferred Annuities   
and certain other variable insurance products that we and our affiliates issue. 
These percentages differ and some investment managers or sub-investment         
managers (or other affiliates) may pay us more than others. These percentages   
currently range up to 0.50%.                                                    

Additionally, an investment manager or sub-investment manager of a 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 sub-investment manager (or their affiliate) with     
increased access to persons involved in the distribution of the Contracts.      

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

Certain Portfolios have adopted a Distribution Plan under Rule 12b-1 of the     
1940 Act. A Portfolio's 12b-1 Plan, if any, is described in more detail in the  
prospectuses for the Portfolios. See the Table of Expenses and "Who Sells the   
Deferred Annuities". Any payments we receive pursuant to those 12b-1 Plans are  
paid to us or our distributor. Payments under a Portfolio's 12b-1 Plan decrease 
the Portfolios' investment return.                                              

We select the Portfolios offered through this Contract based on a number of     
criteria, including asset class coverage, the strength of the investment        
manager's or sub-investment manager'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          
Portfolios' investment manager or sub-investment manager is one of our          
affiliates or whether the Portfolio, its investment manager, its sub-investment 
manager(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 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 Portfolios periodically and may      
remove a Portfolio or limit its availability to new purchase payments and/or    
transfers of contract value if we determine that the Portfolio no longer meets  
one or more of the selection criteria, and/or if the Portfolio has not          
attracted significant allocations from Contract Owners. In some cases, we have  
included Portfolios based on recommendations made by selling firms. These       
selling firms may receive payments from the Portfolios they recommend and may   
benefit accordingly from the allocation of contract value to such Portfolios.   

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

We make certain payments to American Funds Distributors, Inc., principal        
underwriter for the American Funds Insurance Series(R). (See "Who Sells The     
Deferred Annuities".)                                                           

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DEFERRED ANNUITIES                                                              

This Prospectus describes the following Deferred Annuities under which you
can accumulate money:                                                     

.   TSA (Tax Sheltered Annuities)                                           

.   TSA ERISA (Tax Sheltered Annuities subject to ERISA)                    

.   SEPs (Simplified Employee Pensions)                                     

.   SIMPLE IRAs (Savings Incentive Match Plan for Employees                 
Individual Retirement Annuities)                                    

.   457(b)s (Section 457(b) Eligible Deferred Compensation Arrangements)    

.   403(a) Arrangements                                                     

A form of the deferred annuity may be issued to a bank that does nothing but    
hold them as a contract holder.                                                 

THE DEFERRED ANNUITY AND YOUR RETIREMENT PLAN                                   

 These Deferred Annuities may be issued either to you as an individual or to a
group. You are then a participant under the group's Deferred Annuity. If you
participate through a retirement plan or other group arrangement, the Deferred  
Annuity may provide that all or some of your rights or choices as described in  
this Prospectus are subject to the plan's terms. For example, limitations on    
your rights may apply to investment choices, automated investments strategies,  
purchase payments, withdrawals, transfers, loans, the death benefit and pay-out 
options.                                                                        

The Deferred Annuity may provide that a plan administrative fee will be paid by 
making a withdrawal from your Account Balance. We may rely on your employer's   
or plan administrator's statements to us as to the terms of the plan or your    
entitlement to any amounts. We are not a party to your employer's retirement    
plan. We will not be responsible for determining what your plan says. You       
should consult the Deferred Annuity contract and plan document to see how you   
may be affected. If you are a Texas Optional Retirement Program participant,    
please see Appendix II for specific information which applies to you.           

AUTOMATED INVESTMENT STRATEGIES                                                 

There are four automated investment strategies available to you. We created 
these investment strategies to help you manage your money. You decide if one
is appropriate for you, based upon your risk tolerance and savings goals. The   
Index Selector is not available with a Deferred Annuity with the Optional       
Lifetime Withdrawal Guarantee Benefit. These are available to you without any   
additional charges. As with any investment program, none of them can guarantee  
a gain--you can lose money. We may modify or terminate any of the strategies at 
any time. You may have only one strategy in effect at a time. You may not have  
a strategy in effect while you also have an outstanding loan. Your employer,    
association or other group contract holder may limit the availability of any    
investment strategy.                                                            

The Equity Generator(R): An amount equal to the interest earned in the Fixed    
Interest Account is transferred monthly to any one investment division based on 
your selection. If your Fixed Interest Account balance at the time of a         
scheduled transfer is zero, this strategy is automatically discontinued.        

The Rebalancer(R): You select a specific asset allocation for your entire       
Account Balance from among the investment divisions and the Fixed Interest      
Account, if available. Each quarter we transfer amounts among these options to  
bring the percentage of your Account Balance in each option back to your        
original allocation. In the future, we may permit you to allocate less than     
100% of your Account Balance to this strategy.                                  

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The Index Selector(R): You may select one of five asset allocation models which 
are designed to correlate to various risk tolerance levels. Based on the model  
you choose, your entire Account Balance is allocated among the Barclays Capital 
Aggregate Bond Index, MetLife Stock Index, Morgan Stanley EAFE(R) Index,        
Russell 2000(R) Index and MetLife Mid Cap Stock Index investment divisions and  
the Fixed Interest Account. Each quarter the percentage in each of these        
investment divisions and the Fixed Interest Account is brought back to the      
selected model percentage by transferring amounts among the investment          
divisions and the Fixed Interest Account.                                       

In the future, we may permit you to allocate less than 100% of your Account     
Balance to this strategy.                                                       

We will continue to implement the Index Selector strategy using the percentage  
allocations of the model that were in effect when you elected the Index         
Selector strategy. You should consider whether it is appropriate for you to     
continue this strategy over time if your risk tolerance, time horizon or        
financial situation changes. This strategy may experience more volatility than  
our other strategies. We provide the elements to formulate the models. We may   
rely on a third party for its expertise in creating appropriate allocations.    

The asset allocation models used in the Index Selector strategy may change from 
time to time. If you are interested in an updated model, please contact your    
sales representative.                                                           

You may choose another Index Selector strategy or terminate your Index Selector 
strategy at any time. If you choose another Index Selector strategy, you must   
select from the asset allocation models available at that time. After           
termination, if you then wish to again select the Index Selector strategy, you  
must select from the asset allocation models available at that time.            

The Allocator/SM/: Each month a dollar amount you choose is transferred from    
the Fixed Interest Account to any of the investment divisions you choose.       

You select the day of the month and the number of months over which the         
transfers will occur. A minimum periodic transfer of $50 is required. Once your 
Fixed Interest Account balance is exhausted, this strategy is automatically     
discontinued.                                                                   

The Allocator and the Equity Generator are dollar cost averaging strategies.    
Dollar cost averaging involves investing at regular intervals of time. Since    
this involves continuously investing regardless of fluctuating prices, you      
should consider whether you wish to continue the strategy through periods of    
fluctuating prices.                                                             

We will terminate all transactions under any automated investment strategy upon 
notification in good order of your death.                                       

PURCHASE PAYMENTS                                                               

There is no minimum purchase payment. You may continue to make purchase     
payments while you receive Systematic Withdrawal Program payments, as       
described later in this Prospectus, unless your purchase payments are made      
through payroll deduction.                                                      

We will not issue the Deferred Annuity to you if you are age 80 or older or     
younger than age 18 for the TSA Deferred Annuity described in this Prospectus.  
For SEPs and SIMPLE IRAs Deferred Annuities, the minimum issue age is 21. You   
will not receive the 3% credit associated with the B and L Classes (described   
in the section titled "Eligible Rollover Distribution and Direct Transfer       
Credit for B and L Classes") unless you are less than 66 years old at date of   
issue. We will not accept your purchase payments if you are age 90 or older.    

PURCHASE PAYMENTS--SECTION 403(B) PLANS                                         

The Internal Revenue Service announced new regulations affecting Section 403(b) 
plans and arrangements. As part of these regulations, which are generally       
effective January 1, 2009, employers will need to meet certain requirements in  

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order for their employees' annuity contracts that fund these programs to retain 
a tax deferred status under Section 403(b). Prior to the new rules, transfers   
of one annuity contract to another would not result in a loss of tax deferred   
status under 403(b) under certain conditions (so-called "90-24 transfers"). The 
new regulations have the following effect regarding transfers: (1) a newly      
issued contract funded by a transfer which is completed AFTER September 24,     
2007, is subject to the employer requirements referred to above; (2) additional 
purchase payments made AFTER September 24, 2007, to a contract that was funded  
by a 90-24 transfer ON OR BEFORE September 24, 2007, MAY subject the contract   
to this new employer requirement.                                               

In consideration of these regulations, we have determined to only make          
available the Contract/Certificate for purchase (including transfers) where     
your employer currently permits salary reduction contributions to be made to    
the Contract/Certificate.                                                       

If your Contract/Certificate was issued previously as a result of a 90-24       
transfer completed on or before September 24, 2007, and you have never made     
salary reduction contributions into your Contract/Certificate, we urge you to   
consult with your tax adviser prior to making additional purchase payments.     

ALLOCATION OF PURCHASE PAYMENTS                                                 

You decide how your money is allocated among the Fixed Interest Account, if     
available, and the investment divisions. You can change your allocations for    
future purchase payments. We will make allocation changes when we receive your  
request for a change. You may also specify an effective date for the change as  
long as it is within 30 days after we receive the request.                      

LIMITS ON PURCHASE PAYMENTS                                                     

Your ability to make purchase payments may be limited by:                       

..   Federal tax laws or regulatory requirements;                               

..   Our right to limit the total of your purchase payments to $1,000,000;      

..   Our right to restrict purchase payments to the Fixed Interest Account if   
 (1) the interest rate we credit in the Fixed Interest Account is equal to
   the guaranteed minimum rate as stated in your Deferred Annuity; or (2) your
Fixed Interest Account balance is equal to or exceeds our maximum for a 
Fixed Interest Account allocation (e.g., $1,000,000);                   

..  Participation in the Systematic Withdrawal Program (as described later); and

..   Leaving your job.                                                          

THE VALUE OF YOUR INVESTMENT                                                    

Accumulation Units are credited to you when you make purchase payments or 
transfers into an investment division. When you withdraw or transfer money
from an investment division (as well as when we apply the Annual Contract Fee   
and the Guaranteed Minimum Income Benefit charge, if chosen as an optional      
benefit), accumulation units are liquidated. We determine the number of         
accumulation units by dividing the amount of your purchase payment, transfer or 
withdrawal by the Accumulation Unit Value on the date of the transaction.       

This is how we calculate the Accumulation Unit Value for each investment        
division:                                                                       

..   First, we determine the change in investment performance (including any    
 investment-related charge) for the underlying Portfolio from the previous
trading day to the current trading day;                                 

..   Next, we subtract the daily equivalent of the Separate Account charge (for 
 the class of the Deferred Annuity you have chosen, including any optional
benefits) for each day since the last Accumulation Unit Value was       
calculated; and                                                         

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..   Finally, we multiply the previous Accumulation Unit Value by this result.  

Examples                                                                  
Calculating the Number of Accumulation Units                              

 Assume you make a purchase payment of $500 into one investment division and
 that investment division's Accumulation Unit Value is currently $10.00. You
would be credited with 50 accumulation units.                             

$500 = 50 accumulation units                
---                                       
$10                                         

Calculating the Accumulation Unit Value                                   

Assume yesterday's Accumulation Unit Value was $10.00 and the number we   
calculate for today's investment experience (minus charges) for an        
  underlying Portfolio is 1.05. Today's Accumulation Unit Value is $10.50. The
value of your $500 investment is then $525 (50 x $10.50 = $525).          

$10.00 x 1.05 = $10.50 is the new Accumulation Unit Value 

However, assume that today's investment experience (minus charges) is .95 
  instead of 1.05. Today's Accumulation Unit Value is $9.50. The value of your
$500 investment is then $475 (50 x $9.50 = $475).                         

$10.00 x .95 = $9.50 is the new Accumulation Unit Value 

TRANSFER PRIVILEGE                                                              

You may make tax-free transfers among investment divisions or between the 
  investment divisions and the Fixed Interest Account, if available. For us to
process a transfer, you must tell us:                                           

..   The percentage or dollar amount of the transfer;                           

..   The investment divisions (or Fixed Interest Account) from which you want   
the money to be transferred;                                            

..   The investment divisions (or Fixed Interest Account) to which you want the 
money to be transferred; and                                            

..   Whether you intend to start, stop, modify or continue unchanged an         
automated investment strategy by making the transfer.                   

If you receive the eligible rollover distribution and direct transfer credit    
and you have a 457(b), 403(a) or TSA ERISA Deferred Annuity, you must allocate  
this amount to the Fixed Interest Account and you must keep any such amounts in 
the Fixed Interest Account for five years or you will forfeit the credit.       

We reserve the right to restrict transfers to the Fixed Interest Account if (1) 
the interest rate we credit in the Fixed Interest Account is equal to the       
guaranteed minimum rate as stated in your Deferred Annuity; or (2) your Fixed   
Interest Account balance is equal to or exceeds our maximum for Fixed Interest  
Account allocations (e.g., $1,000,000).                                         

Your transfer request must be in good order and completed prior to the close of 
the Exchange on a business day if you want the transaction to take place on     
that day. All other transfer requests in good order will be processed on our    
next business day.                                                              

We may require you to use our original forms and maintain a minimum Account     
Balance (if the transfer is in connection with an automated investment strategy 
or if there is an outstanding loan from the Fixed Interest Account).            

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"MARKET TIMING" POLICIES AND PROCEDURES                                         

The following is a discussion of our market timing policies and procedures.     
They apply to both the "pay-in" and "pay-out" phase of your Deferred Annuity.   

Frequent requests from contract owners to make transfers/reallocations may      
dilute the value of a Portfolio's shares if the frequent                        
transfers/reallocations involve 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"). Regardless of the existence of pricing       
inefficiencies, frequent transfers/reallocations may also increase brokerage    
and administrative costs of the underlying Portfolios and may disrupt Portfolio 
management strategy, requiring a Portfolio to maintain a high cash position and 
possibly resulting in lost investment opportunities and forced liquidations     
("disruptive trading"). Accordingly, arbitrage trading and disruptive trading   
activities (referred to collectively as "market timing") may adversely affect   
the long-term performance of the 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).                                           

We have policies and procedures that attempt to detect and deter frequent       
transfers/reallocations 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 Portfolios (i.e.,     
American Funds Global Small Capitalization, Clarion Global Real Estate, Harris  
Oakmark International, Invesco Small Cap Growth, Loomis Sayles Small Cap Core,  
Loomis Sayles Small Cap Growth, Lord Abbett Bond Debenture, MFS(R) Research     
International, Met/Templeton Growth, Morgan Stanley EAFE(R) Index, Neuberger    
Berman Genesis, Russell 2000(R) Index, T. Rowe Price Small Cap Growth, Third    
Avenue Small Cap Value, and Western Asset Management Strategic Bond             
Opportunities--the "Monitored Portfolios") and we monitor transfer/reallocation 
activity in those Monitored Portfolios. In addition, as described below, we     
intend to treat all American Funds Insurance Series(R) Portfolios ("American    
Funds portfolios") as Monitored Portfolios. We employ various means to monitor  
transfer/reallocation activity, such as examining the frequency and size of     
transfers/reallocations into and out of the Monitored Portfolios within given   
periods of time. For example, we currently monitor transfer/reallocation        
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/reallocations involving the given category; (2) cumulative gross      
transfers/reallocations involving the given category that exceed the current    
account balance; and (3) two or more "round-trips" involving any Monitored      
Portfolio in the given category. A round-trip generally is defined as a         
transfer/reallocation in followed by a transfer/reallocation out within the     
next seven calendar days or a transfer/reallocation out followed by a           
transfer/reallocation in within the next seven calendar days, in either case    
subject to certain other criteria.                                              

We do not believe that other Portfolios present a significant opportunity to    
engage in arbitrage trading and therefore do not monitor transfer/reallocation  
activity in those Portfolios. We may change the Monitored Portfolios at any     
time without notice in our sole discretion. In addition to monitoring           
transfer/reallocation activity in certain Portfolios, we rely on the underlying 
Portfolios to bring any potential disruptive transfer/reallocation activity     
they identify to our attention for investigation on a case-by-case basis. We    
will also investigate other harmful transfer/reallocation activity that we      
identify from time to time. We may revise these policies and procedures in our  
sole discretion at any time without prior notice.                               

American Funds(R) Monitoring Policy. As a condition to making their portfolios  
available in our products, American Funds(R) requires us to treat all American  
Funds portfolios as Monitored Portfolios under our current market timing and    
excessive trading policies and procedures. Further, American Funds(R) requires  
us to impose additional specified monitoring criteria for all American Funds    
portfolios available under the Contract, regardless of the potential for        
arbitrage trading. We are required to monitor transfer/reallocation activity in 
American Funds portfolios to determine if there were two or more                
transfers/reallocations in followed by transfers/reallocations out, in each     
case of a certain dollar amount or greater, in any 30 day period. A first       
violation of the American Funds(R) monitoring policy will result in a written   
notice of violation; each additional violation will result in the imposition of 
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                                                 

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Monitored Portfolios, all American Funds portfolios also will be subject to our 
current market timing and excessive trading policies, procedures and            
restrictions, (described below) and transfer/reallocation restrictions may be   
imposed upon a violation of either monitoring policy.                           

Our policies and procedures may result in transfer/reallocation restrictions    
being applied to deter market timing. Currently, when we detect                 
transfer/reallocation activity in the Monitored Portfolios that exceeds our     
current transfer/reallocation limits, or other transfer/reallocation activity   
that we believe may be harmful to other contract owners or other persons who    
have an interest in the Contracts, we require all future requests to or from    
any Monitored Portfolios or other identified Portfolios under that Contract to  
be submitted with an original signature.                                        

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 evaluate patterns for market timing.           

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

The Portfolios may have adopted their own policies and procedures with respect  
to frequent purchases and redemptions of their respective shares, and we        
reserve the right to enforce these policies and procedures. For example,        
Portfolios may assess a redemption fee (which we reserve the right to collect)  
for shares held for a relatively short period. The prospectuses for the         
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 trading policies and procedures of the Portfolios, we have entered in  
a written agreement, as required by SEC regulation, with each Portfolio or its  
principal underwriter that obligates us to provide to the Portfolio promptly    
upon request certain information about the trading activity of individual       
contract owners, and to execute instructions from the Portfolio to restrict or  
prohibit further purchases or transfers/reallocations by specific contract      
owners who violate the frequent trading policies established by the 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         
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 Portfolios  
in their ability to apply their frequent trading 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 Portfolios (and thus contract owners) will not be harmed by  
transfer/reallocation activity relating to the other insurance companies and/or 
retirement plans that may invest in the Portfolios. If a Portfolio believes     
that an omnibus order reflects one or more transfer/reallocation requests from  
Contract owners engaged in disruptive trading activity, the Portfolio may       
reject the entire omnibus order.                                                

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

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redeem shares of any of the Portfolios, including any refusal or restriction on 
purchases or redemptions of their shares as a result of their own policies and  
procedures on market timing activities (even if an entire omnibus order is      
rejected due to the market timing activity of a single contract owner). You     
should read the Portfolio prospectuses for more details.                        

ACCESS TO YOUR MONEY                                                            

You may withdraw either all or part of your Account Balance from the      
Deferred Annuity. Other than those made through the Systematic Withdrawal 
Program, withdrawals must be at least $500 or the Account Balance, if less. If  
any withdrawal would decrease your Account Balance below $2,000, we may         
consider this a request for a full withdrawal. To process your request, we need 
the following information:                                                      

..   The percentage or dollar amount of the withdrawal; and                     

..   The investment divisions (or Fixed Interest Account) from which you want   
the money to be withdrawn.                                              

Your withdrawal may be subject to withdrawal charges.                           

Generally, if you request, we will make payments directly to other investments  
on a tax-free basis. You may only do so if all applicable tax and state         
regulatory requirements are met and we receive all information necessary for us 
to make the payment. We may require you to use our original forms.              

We may withhold payment of withdrawal proceeds if any portion of those proceeds 
would be derived from your check that has not yet cleared (I.E., that could     
still be dishonored by your banking institution). We may use telephone, fax,    
Internet or other means of communication to verify that payment from your check 
has been or will be collected. We will not delay payment longer than necessary  
for us to verify that payment has been or will be collected. You 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.                     

SYSTEMATIC WITHDRAWAL PROGRAM                                                   

If we agree and if approved in your state, you may choose to automatically      
withdraw a specific dollar amount or a percentage of your Account Balance each  
Contract Year. This program is not available under the 457(b) Deferred Annuity  
issued to tax-exempt organizations. This amount is then paid in equal portions  
throughout the Contract Year according to the time frame you select, e.g.,      
monthly, quarterly, semi-annually or annually. Once the Systematic Withdrawal   
Program is initiated, the payments will automatically renew each Contract Year. 
Income taxes, tax penalties and withdrawal charges may apply to your            
withdrawals. Program payment amounts are subject to our required minimums and   
administrative restrictions. Your Account Balance will be reduced by the amount 
of your Systematic Withdrawal Program payments and applicable withdrawal        
charges. Payments under this program are not the same as income payments you    
would receive from a Deferred Annuity pay-out option. The Systematic Withdrawal 
Program is not available to the B and L Classes of the Deferred Annuities until 
the second Contract Year. The Systematic Withdrawal Program is not available in 
conjunction with any automated investment strategy.                             

If you elect to withdraw a dollar amount, we will pay you the same dollar       
amount each Contract Year. If you elect to withdraw a percentage of your        
Account Balance, each Contract Year we recalculate the amount you will receive  
based on your new Account Balance.                                              

Calculating Your Payment Based on a Percentage Election for the First Contract  
Year You Elect the Systematic Withdrawal Program: If you choose to receive a    
percentage of your Account Balance, we will determine the amount payable on the 
date these payments begin. When you first elect the program, we will pay this   
amount over the remainder of the Contract Year. For example, if you select to   
receive payments on a monthly basis with the percentage of your Account Balance 
you request equaling $12,000, and there are six months left in the Contract     
Year, we will pay you $2,000 a month.                                           

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Calculating Your Payment for Subsequent Contract Years of the Systematic        
Withdrawal Program: For each subsequent year that your Systematic Withdrawal    
Program remains in effect, we will deduct from your Deferred Annuity and pay    
you over the Contract Year either the amount that you chose or an amount equal  
to the percentage of your Account Balance you chose. For example, if you select 
to receive payments on a monthly basis, ask for a percentage and that           
percentage of your Account Balance equals $12,000 at the start of a Contract    
Year, we will pay you $1,000 a month.                                           

If you do not provide us with your desired allocation, or there are             
insufficient amounts in the investment divisions or the Fixed Interest Account  
that you selected, the payments will be taken out pro rata from the Fixed       
Interest Account and any investment divisions in which you then have money.     

Selecting a Payment Date: You select a payment date which becomes the date we   
make the withdrawal. We must receive your request in good order at least 10     
days prior to the selected payment date. (If you would like to receive your     
Systematic Withdrawal Program payment on or about the first of the month, you   
should request payment by the 20th of the month.) If we do not receive your     
request in time, we will make the payment the following month on the date you   
selected. If you do not select a payment date, we will automatically begin      
systematic withdrawals within 30 days after we receive your request. Changes in 
the dollar amount, percentage or timing of the payments can be made once a year 
at the beginning of any Contract Year and one other time during the Contract    
Year. If you make any of these changes, we will treat your request as though    
you were starting a new Systematic Withdrawal Program. You may request to stop  
your Systematic Withdrawal Program at any time. We must receive any request in  
good order at least 30 days in advance.                                         

Although we need your written authorization to begin this program, you may      
cancel this program at any time by telephone or by writing to us at your        
MetLife Administrative Office. We will also terminate your participation in the 
program upon notification in good order of your death.                          

Systematic Withdrawal Program payments may be subject to a withdrawal charge    
unless an exception to this charge applies. For purposes of determining how     
much of the annual payment amount is exempt from this charge under the free     
withdrawal provision (discussed later), all payments from a Systematic          
Withdrawal Program in a Contract Year are characterized as a single lump sum    
withdrawal as of your first payment date in that Contract Year. When you first  
elect the program, we will calculate the percentage of your Account Balance     
your Systematic Withdrawal Program payment represents based on your Account     
Balance on the first Systematic Withdrawal Program payment date. For all        
subsequent Contract Years, we will calculate the percentage of your Account     
Balance your Systematic Withdrawal Program payment represents based on your     
Account Balance on the first Systematic Withdrawal Program payment date of that 
Contract Year. We will determine separately the withdrawal charge and any       
relevant factors (such as applicable exceptions) for each Systematic Withdrawal 
Program payment as of the date it is withdrawn from your Deferred Annuity.      

See "Lifetime Withdrawal Guarantee Benefit -- Annual Benefit Payment --         
Systematic Withdrawal Program" for more information concerning utilizing the    
Systematic Withdrawal Program in conjunction with the Lifetime Guaranteed       
Withdrawal Benefit.                                                             

Participation in the Systematic Withdrawal Program is subject to our            
administrative procedures.                                                      

MINIMUM DISTRIBUTION                                                            

In order for you to comply with certain tax law provisions, you may be required 
to take money out of your Deferred Annuity. Rather than receiving your minimum  
required distribution in one annual lump-sum payment, you may request that we   
pay it to you in installments throughout the calendar year. However, we may     
require that you maintain a certain Account Balance at the time you request     
these payments. You may not have a Systematic Withdrawal Program in effect if   
we pay your minimum required distribution in installments. We will terminate    
your participation in the program upon notification in good order of your death.

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CHARGES                                                                         

There are two types of charges you pay while you have money in an investment
division:                                                                   

..   Separate Account charge, and                                               

..   Investment-related charge.                                                 

We describe these charges below. The amount of the charge may not necessarily   
correspond to costs associated with providing the services or benefits          
indicated by the designation of the charge or associated with the Deferred      
Annuity. For example, the withdrawal charge may not fully cover all of the      
sales and distribution expenses actually incurred by us, and proceeds from      
other charges, including the Separate Account charge, may be used in part to    
cover such expenses. We can profit from certain Deferred Annuity charges.       

SEPARATE ACCOUNT CHARGE                                                         

Each class of the Deferred Annuity has a different annual Separate Account      
charge that is expressed as a percentage of average account value. A portion of 
the annual Separate Account charge is paid to us daily based upon the value of  
the amount you have in the Separate Account on the day the charge is assessed.  
You pay an annual Separate Account charge that, during the pay-in phase, for    
the Standard Death Benefit will not exceed 1.15% for the B Class, 1.45% for the 
C Class and 1.30% for the L Class of the amounts in the investment divisions    
or, in the case of each American Funds(R) investment division, 1.40% for the B  
Class, 1.70% for the C Class and 1.55% for the L Class.                         

This charge pays us for the risk that you may live longer than we estimated.    
Then, we could be obligated to pay you more in payments from a pay-out option   
than we anticipated. Also, we bear the risk that the guaranteed death benefit   
we would pay should you die during your pay-in phase is larger than your        
Account Balance. This charge also includes the risk that our expenses in        
administering the Deferred Annuity may be greater than we estimated. The        
Separate Account charge also pays us for distribution costs to both our         
licensed salespersons and other broker-dealers.                                 

The chart below summarizes the maximum Separate Account charge for each class   
of the Deferred Annuity with each death benefit prior to entering the pay-out   
phase of the Contract. The Separate Account charge you pay will not reduce the  
number of accumulation units credited to you. Instead, we deduct the charges as 
part of the calculation of the Accumulation Unit Value. We guarantee that the   
Separate Account insurance-related charge will not increase while you have the  
Deferred Annuity.                                                               

SEPARATE ACCOUNT CHARGES* 

                                                                [Download Table]

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

                                      B Class  C Class  L Class 
----------------------------------------------------------------
                                                                
StandardDeath Benefit                 1.15%    1.45%    1.30%   
----------------------------------------------------------------
OptionalAnnual Step-Up Death Benefit  1.25%    1.55%    1.40%   
----------------------------------------------------------------

*  We currently charge an additional Separate Account charge of 0.25% of        
  average daily net assets in the American Funds Growth-Income, American Funds
Growth, American Funds Bond and American Funds Global Small Capitalization
investment divisions.                                                     

We reserve the right to impose an additional Separate Account charge on   
investment divisions that we add to the Contract in the future. The       
 additional amount will not exceed the annual rate of 0.25% of average daily
net assets in any such investment divisions.                              

INVESTMENT-RELATED CHARGE                                                       

This charge has two components. The first pays the investment managers for      
managing money in the Portfolios. The second consists of Portfolio operating    
expenses and 12b-1 Plan fees. The percentage you pay for the investment-related 

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charge depends on which investment divisions you select. Each class of shares   
available to the Deferred Annuities, except for the Calvert Fund, has a 12b-1   
Plan fee, which pays for distribution expenses. Class B shares available in the 
Metropolitan Fund and the Met Investors Fund have a 0.25% 12b-1 Plan fee. Class 
C shares available in the Met Investors Fund have a 0.55% 12b-1 Plan fee. Class 
2 shares available in the American Funds(R) have a 0.25% 12b-1 Plan fee. The    
Calvert Fund shares which are available have no 12b-1 Plan fee. Amounts for     
each investment division for the previous year are listed in the Table of       
Expenses.                                                                       

ANNUAL CONTRACT FEE                                                             

 There is a $30 Annual Contract Fee which is deducted on a pro-rata basis from
the investment divisions on the last business day prior to the Contract     
Anniversary. This fee is waived if your total purchase payments for the prior   
12 months are at least $2,000 on the day the fee is to be deducted or if your   
Account Balance is at least $25,000 on the day the fee is to be deducted. This  
fee will also be waived if you are on medical leave approved by your employer   
or called to active armed service duty at the time the fee is to be deducted    
and your employer has informed us of your status. The fee will be deducted at   
the time of a total withdrawal of your Account Balance on a pro-rata basis      
(determined based upon the number of complete months that have elapsed since    
the prior Contract Anniversary). This fee pays us for our miscellaneous         
administrative costs. These costs which we incur include financial, actuarial,  
accounting and legal expenses.                                                  

We reserve the right to waive the Annual Contract Fee for specific groups based 
upon the nature of the group, size, aggregate amount of anticipated purchase    
payments or anticipated persistency. The waiver will be implemented in a        
reasonable manner and will not be unfairly discriminatory to the interests of   
any contract owner.                                                             

OPTIONAL GUARANTEED MINIMUM INCOME BENEFIT                                      

The optional Guaranteed Minimum Income Benefit is available for an additional   
charge of 0.70% of the guaranteed minimum income base (as defined later in this 
Prospectus), deducted at the end of each Contract Year by withdrawing amounts   
on a pro-rata basis from your Fixed Interest Account balance (net of any        
outstanding loans) and Separate Account balance. (We take amounts from the      
Separate Account by canceling accumulation units from your Separate Account).   
Prior to May 4, 2009, the charge for the optional Guaranteed Minimum Income     
Benefit is 0.35% of the guaranteed minimum income base. (For employer groups    
with TSA ERISA, 457(b) and 403(a) Deferred Annuities that were established on   
or before May 1, 2009 which elected at issue to make available the Guaranteed   
Minimum Income Benefit under their group contract, participants who submit an   
application after May 1, 2009, will receive the lower charge of 0.35%.)         

OPTIONAL LIFETIME WITHDRAWAL GUARANTEE BENEFIT                                  

The Lifetime Withdrawal Guarantee Benefit is available for an additional charge 
of 0.95% of the Total Guaranteed Withdrawal Amount, deducted at the end of each 
Contract Year by withdrawing amounts on a pro-rata basis from your Fixed        
Interest Account Balance and Separate Account Balance, after applying any 5%    
Compounding Income Amount and prior to taking into account any Automatic Annual 
Step-Up occurring on the Contract Anniversary. We take amounts from the         
Separate Account by canceling accumulation units from your Separate Account     
balance. If an Automatic Annual Step-Up occurs under a Lifetime Withdrawal      
Guarantee Benefit, we may increase the Lifetime Withdrawal Guarantee Benefit    
charge to the then current charge for the same optional benefit, but no more    
than a maximum of 0.95%. If the Lifetime Withdrawal Guarantee Benefit is in     
effect, the charge will continue even if your Remaining Guaranteed Withdrawal   
Amount equals zero. Prior to May 4, 2009, the charge for the optional Lifetime  
Withdrawal Guarantee Benefit prior to any Automatic Step-Up is 0.50% of the     
Total Guaranteed Withdrawal Amount and the maximum charge upon an Automatic     
Annual Step-Up is 0.95%.                                                        

PREMIUM AND OTHER TAXES                                                         

Some jurisdictions tax what are called "annuity considerations." These may  
apply to purchase payments, Account Balances and death benefits. In most    
jurisdictions, we currently do not deduct any money from purchase payments,     
Account Balances or death benefits to pay these taxes. Generally, our practice  
is to deduct money to pay premium taxes (also                                   

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known as "annuity" taxes) only when you exercise a pay-out option. In certain   
jurisdictions, we may deduct money to pay premium taxes on lump sum withdrawals 
or when you exercise a pay-out option. We may deduct an amount to pay premium   
taxes some time in the future since the laws and the interpretation of the laws 
relating to annuities are subject to change.                                    

Premium taxes, if applicable, currently depend on the Deferred Annuity you      
purchase and your home state or jurisdiction. The chart in Appendix I shows the 
jurisdictions where premium taxes are charged and the amount of these taxes.    

We also reserve the right to deduct from purchase payments, Account Balances,   
withdrawals or income payments, any taxes (including, but not limited to,       
premium taxes) paid by us to any government entity relating to the Contracts.   
Examples of these taxes include, but are not limited to, 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. 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     
Balance at a later date. Payment at an earlier date does not waive any right we 
may have to deduct amounts at a later date.                                     

WITHDRAWAL CHARGES                                                              

A withdrawal charge may apply if you make a withdrawal from your Deferred 
  Annuity. There are no withdrawal charges for the C Class Deferred Annuity or
in certain situations or upon the occurrence of certain events (see "When No    
Withdrawal Charges Applies"). A withdrawal charge may be assessed if amounts    
are withdrawn pursuant to divorce or a separation instrument, if permissible    
under tax law. The withdrawal charge will be determined separately for each     
investment division from which a withdrawal is made. The withdrawal charge is   
assessed against the amount withdrawn.                                          

For a full withdrawal, we multiply the amount to which the withdrawal charge    
applies by the percentage shown, keep the result as a withdrawal charge and pay 
you the rest.                                                                   

For partial withdrawals, we multiply the amount to which the withdrawal charge  
applies by the percentage shown, keep the result as a withdrawal charge and pay 
you the rest. We will treat your request as a request for a full withdrawal if  
your Account Balance is not sufficient to pay both the requested withdrawal and 
the withdrawal charge, or if the withdrawal leaves an Account Balance that is   
less than the minimum required.                                                 

The withdrawal charge on the amount withdrawn for each class is as follows:     

                                                                [Download Table]


IF WITHDRAWN DURING CONTRACT YEAR  B CLASS C CLASS L CLASS
---------------------------------  ------- ------- -------
                                                          
           1......................    9%    None      9%  
           2......................    9%              8%  
           3......................    9%              7%  
           4......................    9%              6%  
           5......................    8%              5%  
           6......................    7%              4%  
           7......................    6%              2%  
           8......................    5%              0%  
           9......................    4%              0%  
           10.....................    3%              0%  
           11.....................    2%              0%  
           12.....................    1%              0%  
           Thereafter.............    0%              0%  

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(For Deferred Annuities issued in Connecticut and certain other states or for   
public school employees in certain states, the withdrawal charge for the B      
Class is as follows: During Contract Year 1: 10%, Year 2: 9%, Year 3: 8%, Year  
4: 7%, Year 5: 6%, Year 6: 5%, Year 7: 4%, Year 8: 3%, Year 9: 2%, Year 10: 1%, 
Year 11 and thereafter: 0%.)                                                    

(For Deferred Annuities issued in New York and certain other states, the        
withdrawal charges for the B Class are as follows: during Contract Year 1: 9%;  
Year 2: 9%; Year 3: 8%; Year 4: 7%; Year 5: 6%; Year 6: 5%; Year 7: 4%; Year 8: 
3%; Year 9: 2%; Year 10: 1%; Year 11 and thereafter: 0%.)                       

The withdrawal charge reimburses us for our costs in selling the Deferred       
Annuities. We may use our profits (if any) from the Separate Account charge to  
pay for our costs to sell the Deferred Annuities which exceed the amount of     
withdrawal charges we collect.                                                  

WHEN NO WITHDRAWAL CHARGE APPLIES                                               

In some cases, we will not charge you the withdrawal charge when you make a     
withdrawal. We may, however, ask you to prove that you meet any of the          
conditions listed below.                                                        

You do not pay a withdrawal charge:                                             

..   If you have a C Class Deferred Annuity.                                    

..   On transfers you make within your Deferred Annuity among the investment    
divisions and transfers to or from the Fixed Interest Account.          

..   On the amount surrendered after twelve Contract Years (ten years in        
 Connecticut and certain other states) for the B Class and seven years for
the L Class.                                                            

..   If you choose payments over one or more lifetimes, except, in certain      
cases, under the Guaranteed Minimum Income Benefit.                     

..   If you die during the pay-in phase. Your beneficiary will receive the full 
death benefit without deduction.                                        

..   After the first Contract Year, if you withdraw up to 10% of your total     
  Account Balance, per Contract Year. This 10% total withdrawal may be taken
in an unlimited number of partial withdrawals during that Contract Year.
These withdrawals are made on a non-cumulative basis.                   

..   If the withdrawal is to avoid required Federal income tax penalties or to  
satisfy Federal income tax rules concerning minimum distribution        
requirements that apply to your Deferred Annuity. For purposes of this  
exception, we assume that the Deferred Annuity is the only contract or  
funding vehicle from which distributions are required to be taken and we
will ignore all other account balances. This exception does not apply if
  the withdrawal is to satisfy Section 72(t) requirements under the Internal
Revenue Code.                                                           

..   This Contract feature is only available if you are less than 80 years old  
   on the Contract issue date. For the TSA, SEP and SIMPLE Deferred Annuities,
   after the first Contract Year, if approved in your state, and your Contract
provides for this, to withdrawals to which a withdrawal charge would    
otherwise apply, if you as owner or participant under a Contract:       

 .   Have been a resident of certain nursing home facilities or a hospital for
    a minimum of 90 consecutive days or for a minimum total of 90 days where
there is no more than a 6 month break in that residency and the     
   residencies are for related causes, where you have exercised this right
      no later than 90 days of exiting the nursing home facility or hospital; or

.   Are diagnosed with a terminal illness and not expected to live more than
12 months.                                                          

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..   This Contract feature is only available if you are less than 65 years old  
  on the date you became disabled and if the disability commences subsequent
to the first Contract Anniversary. After the first Contract Year, if    
approved in your state, and your Contract provides for this, if you are 
   disabled as defined in the Federal Social Security Act and if you have been
the participant continuously since the issue of the Contract.           

..   If you have transferred money which is not subject to a withdrawal charge  
   (because you have satisfied contractual provisions for a withdrawal without
the imposition of a contract withdrawal charge) from certain eligible   
  MetLife contracts or certain eligible contracts of MetLife affiliates into
the Deferred Annuity, and the withdrawal is of these transferred amounts
  and we agree. Any purchase payments made after the transfer are subject to
the usual withdrawal charge schedule.                                   

..   For the TSA, SEP and SIMPLE IRAs Deferred Annuities, if you retire from the
 employer you had at the time you purchased this annuity, after continuous
participation in the Contract for 5 Contract Years.                     

..   For the TSA, SEP and SIMPLE IRAs Deferred Annuities, if you leave your job 
with the employer you had at the time you purchased this annuity, after 
continuous participation in the Contract for 5 Contract Years.          

..   If you make a direct transfer to other investment vehicles we have         
pre-approved.                                                           

..   If you retire or leave your job with the employer you had at the time you  
became a participant in the 403(a) arrangement or 457 or TSA ERISA plan 
that is funded by the Deferred Annuity. (Amounts withdrawn that received
   the eligible rollover distribution and direct transfer credit are, however,
subject to forfeiture.)                                                 

..   If your plan or group of which you are a participant or member permits     
account reduction loans, you take an account reduction loan and the     
withdrawal consists of these account reduction loan amounts.            

..   If approved in your state, and if you elect the Lifetime Withdrawal        
Guaranteed Benefit and take your Annual Benefit Payment through the     
    Systematic Withdrawal Program and only withdraw your Annual Benefit Payment.

..   If approved in your state, and after the first Contract Year, if you elect 
the Lifetime Withdrawal Guarantee Benefit and only make withdrawals each
  Contract Year that do not exceed on a cumulative basis your Annual Benefit
Payment.                                                                

..   Subject to availability in your state, if the early withdrawal charge that 
  would apply if not for this provision (1) would constitute less than 0.50%
  of your Account Balance and (2) you transfer your total Account Balance to
certain eligible contracts issued by MetLife or its affiliated companies
and we agree.                                                           

FREE LOOK                                                                       

 You may cancel your TSA Deferred Annuity within a certain time period. This
  is known as a "free look." Not all Contracts issued are subject to free look
provisions under state law. We must receive your request to cancel in writing   
by the appropriate day in your state, which varies from state to state. The     
time period may also vary depending on your age and whether you purchased your  
Deferred Annuity from us directly, through the mail or with money from another  
annuity or life insurance policy. Depending on state law, we may refund all of  
your purchase payments or your Account Balance as of the date your refund       
request is received at your Administrative Office in good order.                

For the TSA Deferred Annuity, any 3% credit from direct transfer and eligible   
distribution purchase payments does not become yours until after the "free      
look" period; we retrieve it if you exercise the "free look". Your exercise of  
any "free look" is the only circumstance under which the 3% credit will be      
retrieved (commonly called "recapture"). If your state requires us to refund    
your Account Balance, the refunded amount will include any investment           
performance attributable to the 3% credit. If there are any losses from         
investment performance attributable to the 3% credit, we will bear that loss.   

DEATH BENEFIT--GENERALLY                                                        

  One of the insurance guarantees we provide you under your Deferred Annuity
is that your beneficiaries will be protected during the "pay-in" phase  
against market downturns. You name your beneficiary(ies).                       

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If you intend to purchase the Deferred Annuity for use with a SEP or SIMPLE     
IRA, please refer to the discussion concerning IRAs in the Tax Section of this  
Prospectus.                                                                     

The standard death benefit is described below. An additional optional death     
benefit is described in the "Optional Benefits" section. Check your contract    
and riders for the specific provisions applicable to you. The optional death    
benefit may not be available in your state (check with your registered          
representative regarding availability).                                         

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.         

If we are presented in good order with notification of your death before any    
requested transaction is completed (including transactions under automated      
investment strategies, the minimum distribution program and the Systematic      
Withdrawal Program), we will cancel the request. As described above, the death  
benefit will be determined when we receive 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 Balance 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 Balance, in accordance with the current allocation of the       
Account Balance. This death benefit amount remains in the investment divisions  
until each of the other beneficiaries submits the necessary documentation in    
good order to claim his/her death benefit. Any death benefit amounts held in    
the investment divisions on behalf of the remaining beneficiaries are subject   
to investment risk. There is no additional death benefit guarantee.             

Your beneficiary has the option to apply the death benefit less any applicable  
premium taxes to a pay-out option offered under your Deferred Annuity. Your     
beneficiary may, however, decide to take payment in one sum, including either   
by check, by placing the amount in an account that earns interest, or by any    
other method of payment that provides the beneficiary with immediate and full   
access to the proceeds or under other settlement options that we may make       
available.                                                                      

TOTAL CONTROL ACCOUNT                                                           

The beneficiary may elect to have the Contract's death proceeds paid through a  
settlement option called the Total Control Account. The Total Control Account   
is an interest-bearing account through which the beneficiary has immediate and  
full access to the proceeds, with unlimited draft writing privileges. We credit 
interest to the account at a rate that will not be less than a guaranteed       
minimum annual effective rate.                                                  

Assets backing the Total Control Accounts are maintained in our general account 
and are subject to the claims of our creditors. We will bear the investment     
experience of such assets; however, regardless of the investment experience of  
such assets, the interest credited to the Total Control Account will never fall 
below the applicable guaranteed minimum annual effective rate. Because we bear  
the investment experience of the assets backing the Total Control Accounts, we  
may receive a profit from these assets. The Total Control Account is not        
insured by the FDIC or any other governmental agency.                           

STANDARD DEATH BENEFIT                                                          

If you die during the pay-in phase and you have not chosen the optional death   
benefit, the death benefit the beneficiary receives will be equal to the        
greatest of:                                                                    

1. Your Account Balance, less any outstanding loans; or                         

2. Total purchase payments reduced proportionately by the percentage reduction  
in Account Balance attributable to each partial withdrawal, less any      
outstanding loans.                                                        

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EXAMPLE 

                                                        [Enlarge/Download Table]

----------------------------------------------------------------------------------------------------
                                                          Date                       Amount         
                                              ------------------------------ -----------------------
                                                                                                    
A   Initial Purchase Payment                            10/1/2011                   $100,000        
----------------------------------------------------------------------------------------------------
B   Account Balance                                     10/1/2012                   $104,000        
                                              (First Contract Anniversary)                          
----------------------------------------------------------------------------------------------------
C   Death Benefit                                    As of 10/1/2012                $104,000        
                                                                             (= greater of A and B) 
----------------------------------------------------------------------------------------------------
D   Account Balance                                     10/1/2013                   $90,000         
                                              (Second Contract Anniversary)                         
----------------------------------------------------------------------------------------------------
E   Death Benefit                                       10/1/2013                   $100,000        
                                                                             (= greater of A and D) 
----------------------------------------------------------------------------------------------------
F   Withdrawal                                          10/2/2013                    $9,000         
----------------------------------------------------------------------------------------------------
G   Percentage Reduction in                             10/2/2013                     10%           
    Account Balance                                                                 (= F/D)         
----------------------------------------------------------------------------------------------------
H   Account Balance                                     10/2/2013                   $81,000         
    after Withdrawal                                                               (= D - F)        
----------------------------------------------------------------------------------------------------
I   Purchase Payments reduced for Withdrawal              As of                     $90,000         
                                                        10/2/2013               [= A - (A X G)]     
----------------------------------------------------------------------------------------------------
J   Death Benefit                                       10/2/2013                   $90,000         
                                                                             (= greater of H and I) 
----------------------------------------------------------------------------------------------------

Notes to Example:                                                               

Any withdrawal charge withdrawn from the Account Balance is included when       
determining the percentage of Account Balance withdrawn.                        

Account Balances on 10/1/12 and 10/2/12 are assumed to be equal prior to the    
withdrawal.                                                                     

There are no loans.                                                             

OPTIONAL BENEFITS                                                               

Please note that the decision to purchase optional benefits is made at the time 
of application and is irrevocable. In limited circumstances, the Lifetime       
Withdrawal Guarantee Benefit may be cancelled. (See "Lifetime Withdrawal        
Guarantee Benefit--Cancellation"). The optional benefit is in effect until it   
terminates. Optional benefits are available subject to state approval. Your     
employer, association or other group contract holder may limit the availability 
of any optional benefit. (An account reduction loan will decrease the value of  
any optional benefits purchased with this Contract. See your employer for more  
information about the availability and features of account reduction loans.).   
Optional Benefits may have certain adverse tax consequences. Please consult     
your tax advisor and the section "Income Taxes" later in this prospectus prior  
to purchase of any optional benefit.                                            

ANNUAL STEP-UP DEATH BENEFIT                                                    

The Annual Step-Up Death Benefit is designed to provide protection against
adverse investment experience. In general, it guarantees that the death   
benefit will not be less than the greater of (1) your Account Balance; or (2)   
your "Highest Anniversary Value" (as described below) as of each Contract       
Anniversary.                                                                    

You may purchase at application a death benefit that provides that the death    
benefit amount is equal to the greater of:                                      

1. The Account Balance, less any outstanding loans; or                          

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2. "Highest Anniversary Value" as of each Contract Anniversary, determined as   
follows:                                                                  

 .   At issue, the Highest Anniversary Value is your initial purchase payment;

.   Increase the Highest Anniversary Value by each subsequent purchase      
payment;                                                            

.   Reduce the Highest Anniversary Value proportionately by the percentage  
reduction in Account Balance attributable to each subsequent partial
withdrawal, less any outstanding loans;                             

.   On each Contract Anniversary before your 81st birthday, compare the (1) 
     then-Highest Anniversary Value to the (2) current Account Balance and set
the Highest Anniversary Value equal to the greater of the two.      

.   After the Contract Anniversary immediately preceding your 81st birthday,
adjust the Highest Anniversary Value only to:                       

.   Increase the Highest Anniversary Value by each subsequent purchase
payment or                                                    

    .   Reduce the Highest Anniversary Value proportionately by the percentage
      reduction in Account Balance attributable to each subsequent partial
withdrawal, less any outstanding loans.                       

For purposes of determining the Highest Anniversary Value as of the applicable  
Contract Anniversary, purchase payments increase the Highest Anniversary Value  
on a dollar for dollar basis. Partial withdrawals, however, reduce the Highest  
Anniversary Value proportionately, that is, the percentage reduction is equal   
to the dollar amount of the withdrawal (plus applicable withdrawal charges)     
divided by the Account Balance immediately before the withdrawal.               

The Annual Step-Up Death Benefit is available for a charge, in addition to the  
Standard Death Benefit charge, of 0.10% annually of the average daily value of  
the amount you have in the Separate Account.                                    

EXAMPLE:  

                                                        [Enlarge/Download Table]
                                                                                      
--------------------------------------------------------------------------------------
                                            Date                       Amount         
                                ------------------------------ -----------------------
A   Initial Purchase                      10/1/2011                   $100,000        
    Payment                                                                           
--------------------------------------------------------------------------------------
B   Account Balance                       10/1/2012                   $104,000        
                                (First Contract Anniversary)                          
--------------------------------------------------------------------------------------
C   Death Benefit                      As of 10/1/2012                $104,000        
    (Highest Anniversary                                       (= greater of A and B) 
    Value)                                                                            
--------------------------------------------------------------------------------------
D   Account Balance                       10/1/2013                   $90,000         
                                (Second Contract Anniversary)                         
--------------------------------------------------------------------------------------
E   Death Benefit                         10/1/2013                   $104,000        
    (Highest                                                   (= greater of C and D) 
    Contract Year Anniversary)                                                        
--------------------------------------------------------------------------------------
F   Withdrawal                            10/2/2013                    $9,000         
--------------------------------------------------------------------------------------
G   Percentage                            10/2/2013                     10%           
    Reduction in                                                                      
    Account Balance                                                   (= F/D)         
--------------------------------------------------------------------------------------
H   Account Balance                       10/2/2013                   $81,000         
    after Withdrawal                                                  (= D-F)         
--------------------------------------------------------------------------------------
I   Highest Anniversary                As of 10/2/2013                $93,600         
    Balance reduced                                                                   
    for Withdrawal                                                 (= E-(E X G))      
--------------------------------------------------------------------------------------
J   Death Benefit                         10/2/2013                   $93,600         
                                                               (= greater of H and I) 
--------------------------------------------------------------------------------------

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Notes to Example:                                                               

Any withdrawal charge withdrawn from the Account Balance is included when       
determining the percentage of Account Balance withdrawn.                        

The Account Balances on 10/1/12 and 10/2/12 are assumed to be equal prior to    
the withdrawal.                                                                 

The purchaser is age 60 at issue.                                               

There are no loans.                                                             

GUARANTEED MINIMUM INCOME BENEFIT (MAY ALSO BE KNOWN AS THE "PREDICTOR" IN OUR  
SALES LITERATURE AND ADVERTISING)                                               

You may purchase this benefit at application (up to but not including age 76)   
which guarantees a minimum income payment in the pay-out phase of your Deferred 
Annuity (a payment "floor"). You retain the ability to choose to receive income 
payments based upon the Account Balance of your Deferred Annuity rather than    
the guaranteed income amount available under this benefit. This benefit is      
intended to protect you against poor investment performance. THE GUARANTEED     
MINIMUM INCOME BENEFIT DOES NOT ESTABLISH OR GUARANTEE AN ACCOUNT BALANCE OR    
MINIMUM RETURN FOR ANY INVESTMENT DIVISION. THE GUARANTEED MINIMUM INCOME BASE  
IS NOT AVAILABLE FOR WITHDRAWALS.                                               

YOU MAY ONLY EXERCISE THIS BENEFIT AFTER A 10 YEAR WAITING PERIOD AND THEN ONLY 
WITHIN A 30 DAY PERIOD FOLLOWING A CONTRACT ANNIVERSARY, PROVIDED THAT THE      
EXERCISE MUST OCCUR NO LATER THAN THE 30 DAY PERIOD FOLLOWING THE CONTRACT      
ANNIVERSARY ON OR FOLLOWING YOUR 85TH BIRTHDAY. Partial annuitization is not    
permitted under this optional benefit and no change in the owner of the         
Contract or the participant is permitted.                                       

WITHDRAWAL CHARGES ARE NOT WAIVED IF YOU EXERCISE THIS OPTION WHILE WITHDRAWAL  
CHARGES APPLY.                                                                  

The only income types available with the purchase of this benefit are a         
Lifetime Income Annuity with a 10 Year Guarantee Period or a Lifetime Income    
Annuity for Two with a 10 Year Guarantee Period. If you decide to receive       
income payments under a Lifetime Income Annuity with a 10 year Guarantee Period 
after age 79, the 10 year guarantee is reduced as follows:                      

----------------------------------------------------- 
Age at Pay-Out                Guarantee     
----------------------------------------------------- 
80                       9 years
----------------------------------------------------- 
81                       8 years
----------------------------------------------------- 
82                       7 years
----------------------------------------------------- 
83                       6 years
----------------------------------------------------- 
84 and 85                   5 years   
----------------------------------------------------- 

A Lifetime Income Annuity for Two is available if the ages of the joint         
annuitants is 10 years apart or less (or as permissible under our then current  
underwriting requirements, if more favorable).                                  

You may not exercise this benefit if you have an outstanding loan balance. You  
may exercise this benefit if you repay your outstanding loan balance. If you    
desire to exercise this benefit and have an outstanding loan balance and repay  
the loan by making a partial withdrawal, your guaranteed minimum income base    
will be reduced to adjust for the repayment of the loan, according to the       
formula described below.                                                        

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The guaranteed minimum income base is equal to the greatest of:                 

1. The Annual Increase Amount which is the sum total of each purchase payment   
accumulated at a rate of 6% a year, through the Contract Anniversary date 
immediately preceding your 81st birthday, reduced by the sum total of each
 withdrawal adjustment accumulated at the rate of 6% a year from the date of
the withdrawal. The withdrawal adjustment is the Annual Increase Amount   
immediately prior to the withdrawal multiplied by the percentage reduction
  in Account Balance attributable to the withdrawal, if total withdrawals in a
  Contract Year are more than 6% of the Annual Increase Amount at the previous
 Contract Anniversary. If total withdrawals in a Contract Year are less than
6% of the Annual Increase Amount at the previous Contract Anniversary, the
withdrawal adjustment is the dollar amount of total partial withdrawals   
treated as a single withdrawal at the end of the Contract Year; or        

2. "Highest Anniversary Value" as of each Contract Anniversary, determined as   
follows:                                                                  

 .   At issue, the Highest Anniversary Value is your initial purchase payment;

.   Increase the Highest Anniversary Value by each subsequent purchase      
payment;                                                            

.   Reduce the Highest Anniversary Value proportionately by the percentage  
reduction in Account Balance attributable to each subsequent partial
withdrawal;                                                         

.   On each Contract Anniversary before your 81st birthday, compare the (1) 
   then-Highest Anniversary Value to the (2) current Anniversary Value and
set the Highest Anniversary Value equal to the greater of the two.  

.   After the Contract Anniversary immediately preceding your 81st birthday,
adjust the Highest Anniversary Value only to:                       

.   Increase the Highest Anniversary Value by each subsequent purchase
payment or                                                    

    .   Reduce the Highest Anniversary Value proportionately by the percentage
      reduction in Account Balance attributable to each subsequent partial
withdrawal.                                                   

THIS BASE IS THEN APPLIED TO THE CONSERVATIVE ANNUITY RATES GUARANTEED IN THE   
GUARANTEED MINIMUM INCOME BENEFIT RIDER. The rates used are based on the        
Annuity 2000 Mortality Table with a 7-year age setback, with interest of 2.5%   
per year. As with other pay-out types, the amount you receive as an income      
payment depends also on your age and the income type you select. APPLYING YOUR  
ACCOUNT BALANCE (LESS ANY PREMIUM TAXES, APPLICABLE CONTRACT FEES AND           
OUTSTANDING LOANS) TO OUR THEN CURRENT ANNUITY RATES MAY PRODUCE GREATER INCOME 
PAYMENTS THAN THOSE GUARANTEED UNDER THIS BENEFIT. IN THAT CASE, YOU WILL       
RECEIVE THE HIGHER AMOUNT AND WILL HAVE PAID FOR THE BENEFIT WITHOUT USING IT.  

For purposes of determining the Highest Anniversary Value as of the applicable  
Contract Anniversary, purchase payments increase the Account Balance on a       
dollar for dollar basis. Partial withdrawals, however, reduce Account Balance   
proportionately, that is the percentage reduction is equal to the dollar amount 
of the withdrawal (plus applicable withdrawal charges), divided by the Account  
Balance immediately before the withdrawal.                                      

This option will terminate upon the earliest of:                                

1. The 30th day following the Contract Anniversary immediately after your 85th  
birthday;                                                                 

2. When you take a total withdrawal of your Account Balance (a pro-rata portion 
of the charge for the Guaranteed Minimum Income Benefit will be applied   
based on how much time has elapsed since the end of the prior Contract    
Year.);                                                                   

3. When you elect to receive income payments under an income option and you are 
not eligible to exercise the Guaranteed Minimum Income Benefit option (a  
pro-rata portion of the charge for the Guaranteed Minimum Income Benefit  
will be applied.);                                                        

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4. On the day there are insufficient amounts to deduct the charge for the       
Guaranteed Minimum Income Benefit from your Account Balance; or           

5. If you die.                                                                  

If your employer association or other group contract holder has instituted      
account reduction loans for its plan or arrangement, you have taken a loan and  
you have also purchased the Guaranteed Minimum Income Benefit, we will not      
treat amounts withdrawn from your Account Balance on account of a loan as a     
withdrawal from the Contract for purposes of determining the Guaranteed Minimum 
Income Base. In addition, we will not treat the repayment of loan amounts as a  
purchase payment to the contract for the purposes of determining the guaranteed 
minimum income base.                                                            

The Guaranteed Minimum Income Benefit is available in Deferred Annuities for an 
additional charge of 0.70% of the guaranteed minimum income base, deducted at   
the end of each Contract Year, by withdrawing amounts on a pro-rata basis from  
your Fixed Interest Account balance (net of any outstanding loans) and Separate 
Account balance. (We take amounts from the Separate Account by canceling        
accumulation units from your Separate Account.) Prior to May 4, 2009, the       
charge for the optional Guaranteed Minimum Income Benefit is 0.35% of the       
guaranteed minimum income base. For employer groups with TSA ERISA, 457(b) and  
403(a) Deferred Annuities that were established on or before May 1, 2009 which  
elected at issue to make available the Guaranteed Minimum Benefit under their   
group Contract, participants who submit an application after May 1, 2009, will  
receive the lower charge of 0.35%.)                                             

GUARANTEED MINIMUM INCOME BENEFIT AND QUALIFIED CONTRACTS                       

THE GUARANTEED MINIMUM INCOME BENEFIT MAY HAVE LIMITED USEFULNESS IN CONNECTION 
WITH A QUALIFIED CONTRACT, SUCH AS AN IRA, TSA, TSA ERISA, 403(A) OR 457(B) IN  
CIRCUMSTANCES WHERE, DUE TO THE TEN YEAR WAITING PERIOD AFTER PURCHASE, THE     
OWNER IS UNABLE TO EXERCISE THE BENEFIT UNTIL AFTER THE REQUIRED BEGINNING DATE 
OF REQUIRED MINIMUM DISTRIBUTIONS UNDER THE CONTRACT. In such event, required   
minimum distributions received from the Contract during the ten year waiting    
period will have the effect of reducing the guaranteed minimum income base      
either on a proportionate or dollar for dollar basis, as the case may be. This  
may have the effect of reducing or eliminating the value of annuity payments    
under the Guaranteed Minimum Income Benefit. You should consult your tax        
adviser prior to electing a Guaranteed Minimum Income Benefit.                  

EXAMPLE:                                                                        

(This calculation ignores the impact of Highest Anniversary Value which could   
further increase the guaranteed minimum income base.)                           

Age 55 at issue                                                         
Purchase Payment = $100,000.                                            
No additional purchase payments or partial withdrawals.                 
 Guaranteed minimum income base at age 65 = $100,000 X 1.06/10/ = $179,085
where 10 equals the number of years the purchase payment accumulates for
purposes of calculating this benefit.                                   

   Guaranteed minimum income floor = guaranteed minimum income base applied to
the Guaranteed Minimum Income Benefit annuity table.                    

Guaranteed Minimum Income Benefit annuity factor, unisex, age 65 = $4.21
  per month per $1,000 applied for lifetime income with 10 years guaranteed.

$179,085 X $4.21 = $754 per month.                                      
$1,000                                                                  

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                                                        [Enlarge/Download Table]

-------------------------------------------------------------------------------------
        Issue Age               Age at Pay-Out        Guaranteed Minimum Income Floor
-------------------------------------------------------------------------------------
                                                                                     
           55                         65                           $754              
-------------------------------------------------------------------------------------
                                      70                          $1,131             
-------------------------------------------------------------------------------------
                                      75                          $1,725             
-------------------------------------------------------------------------------------

The above chart ignores the impact of premium and other taxes.                  

GRAPHIC EXAMPLES                                                                

The purpose of these examples is to illustrate the operation of the Guaranteed  
Minimum Income 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 investment allocations and the investment experience of the           
investment divisions chosen. THE EXAMPLES DO NOT REFLECT THE DEDUCTION OF FEES  
AND CHARGES, WITHDRAWAL CHARGES OR INCOME TAXES OR PENALTIES.                   

(1)THE 6% ANNUAL INCREASE AMOUNT OF THE INCOME BASE                             

Determining a value upon which future income payments will be based       
-------------------------------------------------------------------       
Assume that you make an initial purchase payment of $100,000. Prior to    
 annuitization, your Account Balance fluctuates above and below your initial
purchase payment depending on the investment performance of the investment
divisions you selected. Your purchase payments accumulate at the annual   
 increase rate of 6%, through the Contract Anniversary immediately preceding
your 81st birthday. Your purchase payments are also adjusted for any      
withdrawals (including any applicable withdrawal charge) made during this 
period. The line (your purchase payments accumulated at 6% a year adjusted
for withdrawals and charges "the 6% Annual Increase Amount of the Income  
Base") is the value upon which future income payments can be based.       

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Determining your guaranteed lifetime income stream                        

Assume that you decide to annuitize your Contract and begin taking annuity
 payments after 30 years. In this example, your 6% Annual Increase Amount of
the Income Base is higher than the Highest Anniversary Value and will     
 produce a higher income benefit. Accordingly, the 6% Annual Increase Amount
of the Income Base will be applied to the annuity pay-out rates in the    
Guaranteed Minimum Income Benefit Annuity Table to determine your lifetime
 annuity payments. THE INCOME BASE IS NOT AVAILABLE FOR CASH WITHDRAWALS AND
IS ONLY USED FOR PURPOSES OF CALCULATING THE GUARANTEED MINIMUM INCOME    
BENEFIT PAYMENT AND THE CHARGE FOR THE BENEFIT.                           

(2)THE "HIGHEST ANNIVERSARY VALUE" ("HAV")                                      

Determining a value upon which future income payments will be based       

Prior to annuitization, the Highest Anniversary Value at each Contract    
Anniversary begins to lock in growth. The Highest Anniversary Value is    
adjusted upward each Contract Anniversary if the Account Balance at that  
time is greater than the amount of the current Highest Anniversary Value. 
 Upward adjustments will continue until the Contract Anniversary immediately
prior to the contract owner's 81st birthday. The Highest Anniversary Value
also is adjusted for any withdrawals taken (including any applicable      
 withdrawal charge) or any additional payments made. The Highest Anniversary
Value line is the value upon which future income payments can be based.   

[CHART]     

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Determining your guaranteed lifetime income stream                        

Assume that you decide to annuitize your Contract and begin taking annuity
payments after 20 years. In this example, the Highest Anniversary Value is
 higher than the Account Balance. Accordingly, the Highest Anniversary Value
  will be applied to the annuity payout rates in the Guaranteed Minimum Income
Benefit Annuity Table to determine your lifetime annuity payments. THE    
INCOME BASE IS NOT AVAILABLE FOR CASH WITHDRAWALS AND IS ONLY USED FOR    
PURPOSES OF CALCULATING THE GUARANTEED MINIMUM INCOME BENEFIT PAYMENT AND 
THE CHARGE FOR THE BENEFIT.                                               

(3)PUTTING IT ALL TOGETHER                                                      

Prior to annuitization, the income base (the 6% Annual Increase Amount of 
 the Income Base and the Highest Anniversary Value) work together to protect
your future income. Upon annuitization of the Contract, you will receive  
income payments for life and the guaranteed minimum income base and the   
Account Balance will cease to exist. Also, the Guaranteed Minimum Income  
Benefit may only be exercised no later than the Contract Anniversary on or
following the contract owner's 80th birthday, after a 10 year waiting     
period, and then only within a 30 day period following the Contract       
Anniversary.                                                              

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With the Guaranteed Minimum Income Benefit, the income base is applied to 
special, conservative Guaranteed Minimum Income Benefit annuity purchase  
factors, which are guaranteed at the time the Contract is issued. However,
if then-current annuity purchase factors applied to the Account Balance   
 would produce a greater amount of income, then you will receive the greater
amount. In other words, when you annuitize your Contract you will receive 
whatever amount produces the greatest income payment. THEREFORE, IF YOUR  
 ACCOUNT BALANCE WOULD PROVIDE GREATER INCOME THAN WOULD THE AMOUNT PROVIDED
UNDER THE GUARANTEED MINIMUM INCOME BENEFIT, YOU WILL HAVE PAID FOR THE   
GUARANTEED MINIMUM INCOME BENEFIT ALTHOUGH IT WAS NEVER USED.             

LIFETIME WITHDRAWAL GUARANTEE BENEFIT                                           

In states where approved, we offer the Lifetime Withdrawal Guarantee Benefit    
for elective TSA (non-ERISA), SEP and SIMPLE IRA Deferred Annuities. If you     
elect the Lifetime Withdrawal Guarantee Benefit, Roth TSA purchase payments may 
be permitted. THE LIFETIME WITHDRAWAL GUARANTEE BENEFIT DOES NOT ESTABLISH OR   
GUARANTEE AN ACCOUNT BALANCE OR MINIMUM RETURN FOR ANY INVESTMENT DIVISION. THE 
REMAINING GUARANTEED WITHDRAWAL AMOUNT AND TOTAL GUARANTEED WITHDRAWAL AMOUNT   
ARE NOT AVAILABLE FOR WITHDRAWAL. CONTRACT WITHDRAWAL CHARGES MAY APPLY TO YOUR 
WITHDRAWALS. Ordinary income taxes apply to withdrawals under this benefit and  
an additional 10% penalty tax may apply if you are under age 59 1/2. Consult    
your own tax advisor to determine if an exception to the 10% penalty tax        
applies. You may not have this benefit and the Guaranteed Minimum Income        
Benefit in effect at the same time. You should carefully consider if the        
Lifetime Withdrawal Guarantee Benefit is best for you. Here are some of the key 
features of the Lifetime Withdrawal Guarantee Benefit.                          

..   Guaranteed Payments for Life. So long as you make your first withdrawal on 
 or after the date you reach age 59 1/2, the Lifetime Withdrawal Guarantee
Benefit guarantees that we will make payments to you over your lifetime,
  even if your Remaining Guaranteed Withdrawal Amount and/or Account Balance
decline to zero.                                                        

..   Automatic Annual Step-Ups. The Lifetime Withdrawal Guarantee Benefit       
provides automatic step-ups on each Contract Anniversary prior to the   
 owner's 86th birthday (and offers the owner the ability to opt out of the
  step-ups if the charge for this optional benefit should increase). Each of
  the Automatic Step-Ups will occur only prior to the owner's 86th birthday.

..   Withdrawal Rates. The Lifetime Withdrawal Guarantee Benefit uses a 5%      
withdrawal rate to determine the Annual Benefit Payment.                

..   Cancellation. The Lifetime Withdrawal Guarantee Benefit provides the       
   ability to cancel the rider every five Contract Years for the first fifteen
Contract Years and annually thereafter within 30 days following the     
eligible Contract Anniversary.                                          

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..   Allocation Restrictions. If you elect the Lifetime Withdrawal Guarantee    
 Benefit, you are limited to allocating your purchase payments and Account
  Balance among the Fixed Interest Account, and certain investment divisions
(as described below).                                                   

In considering whether to purchase the Lifetime Withdrawal Guarantee Benefit,   
you must consider your desire for protection and the cost of the benefit with   
the possibility that had you not purchased the benefit, your Account Balance    
may be higher. In considering the benefit of the lifetime withdrawals, you      
should consider the impact of inflation. Even relatively low levels of          
inflation may have 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, the Lifetime Withdrawal Guarantee Benefit, 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 Benefit is in effect. We assess the Lifetime      
Withdrawal Guarantee Benefit charge as a percentage of the Total Guaranteed     
Withdrawal Amount. The initial Total Guaranteed Withdrawal Amount is equal to   
your initial purchase payment, without taking into account any purchase payment 
credits (i.e., credit or bonus payments). The Total Guaranteed Withdrawal       
Amount is increased by additional purchase payments (up to a maximum benefit    
amount of $5,000,000). If, however, a withdrawal results in cumulative          
withdrawals for the current Contract Year that exceed the Annual Benefit        
Payment, the Total Guaranteed Withdrawal Amount will be reduced by an amount    
equal to the difference between the Total Guaranteed Withdrawal Amount and the  
Account Balance after the withdrawal (if such Account Balance is lower than the 
Total Guaranteed Withdrawal Amount).                                            

5% COMPOUNDING INCOME AMOUNT.  On each Contract Anniversary until the earlier   
of: (a) the date of the first withdrawal from the Contract or (b) the tenth     
Contract Anniversary, the Total Guaranteed Withdrawal Amount and the Remaining  
Guaranteed Withdrawal Amount are increased by an amount equal to 5% multiplied  
by the Total Guaranteed Withdrawal Amount and the Remaining Guaranteed          
Withdrawal Amount before such increase (up to a maximum benefit amount of       
$5,000,000). The Total Guaranteed Withdrawal Amount and the 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.                                     

REMAINING GUARANTEED WITHDRAWAL AMOUNT.  The Remaining Guaranteed Withdrawal    
Amount is the remaining amount guaranteed to be received over time. The         
Remaining Guaranteed Withdrawal Amount is calculated in the same manner as the  
Total Guaranteed Withdrawal Amount, with the exception that all withdrawals     
(including applicable withdrawal charges) reduce the Remaining Guaranteed       
Withdrawal Amount, not just withdrawals that exceed the Annual Benefit Payment  
(as with the Total Guaranteed Withdrawal Amount). The Remaining Guaranteed      
Withdrawal Amount is also increased by the 5% Compounding Income Amount, as     
described above.                                                                

TAKING YOUR FIRST WITHDRAWAL.                                                   

.   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
Balance declines to zero.                                           

.   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, even if your Remaining Guaranteed Withdrawal 
Amount and/or Account Balance declines to zero.                     

You should carefully consider when to begin taking withdrawals if you have      
elected the Lifetime Withdrawal Guarantee Benefit. If you begin withdrawals too 
soon, your Total Guaranteed Withdrawal Amount and Remaining Guaranteed          
Withdrawal Amount are no longer increased by the 5% annual compounding          
increase. On the other hand, if you delay taking withdrawals for too long, you  
may limit the number of payments you receive while you are alive (due to life   
expectancy), while your beneficiaries, however, will receive the Remaining      
Guaranteed Withdrawal Amount over time.                                         

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You have the option of receiving withdrawals under the Lifetime Withdrawal      
Guarantee Benefit or receiving payments under a pay-out option. You should      
consult with your registered representative when deciding how to receive income 
under this Contract. In making this decision, you should consider many factors, 
including the relative amount of current income provided by the two options,    
the potential ability to receive higher future payments through potential       
increases to the Total Guaranteed Withdrawal Amount and Remaining Guaranteed    
Withdrawal Amount, your potential need to make additional withdrawals in the    
future, and the relative values to you of the death benefits available prior to 
and after annuitization.                                                        

At any time during the pay-in phase, you can elect to annuitize under current   
annuity rates in lieu of continuing the Lifetime Withdrawal Guarantee Benefit.  
This may provide higher income amounts and/or different tax treatment than the  
payments received under the Lifetime Withdrawal Guarantee Benefit.              

EFFECT OF OUTSTANDING LOANS ON THE TOTAL GUARANTEED WITHDRAWAL AMOUNT AND       
REMAINING GUARANTEED WITHDRAWAL AMOUNT.  If there is an outstanding loan        
balance (including loans in default which we cannot offset or collect due to    
tax restrictions), any additional withdrawals will be treated as withdrawals in 
excess of the Annual Benefit Payment. In that event, the Total Guaranteed       
Withdrawal Amount will be reduced. The reduction will be equal to the           
difference between the Total Guaranteed Withdrawal Amount after the withdrawal  
and the Account Balance after the withdrawal. If the Account Balance after the  
withdrawal and minus any loan in default is higher than the Total Guaranteed    
Withdrawal Amount, no reduction will be made.                                   

In the event an outstanding loan balance is in default and we can withdraw the  
defaulted amount from your Account Balance, if the amount of the default does   
not exceed the Annual Benefit Payment, then the Total Guaranteed Withdrawal     
Amount will not be decreased. If the amount of the default exceeds the Annual   
Benefit Payment, the Total Guaranteed Withdrawal Amount will be reduced. The    
reduction will be equal to the difference between the Total Guaranteed          
Withdrawal Amount after the withdrawal and the Account Balance after the        
withdrawal. If the Account Balance after the withdrawal and minus any loan in   
default is higher than the Total Guaranteed Withdrawal Amount, no reduction     
will be made.                                                                   

Also, an additional reduction will be made to the Remaining Guaranteed          
Withdrawal Amount. This additional reduction will be equal to the difference    
between the Remaining Guaranteed Withdrawal Amount after the withdrawal and the 
Account Balance after the withdrawal. If the Account Balance after the          
withdrawal and minus any loan in default is higher than the Remaining           
Guaranteed Withdrawal Amount, no reduction will be made.                        

ANNUAL BENEFIT PAYMENT.  The initial Annual Benefit Payment is equal to the     
initial Total Guaranteed Withdrawal Amount multiplied by the 5% withdrawal      
rate. If the Total Guaranteed Withdrawal Amount is later recalculated (for      
example, because of additional purchase payments, the 5% compounding amount,    
the Automatic Annual Step-Up, or withdrawals greater than the Annual Benefit    
Payment), the Annual Benefit Payment is reset equal to the new Total Guaranteed 
Withdrawal Amount multiplied by the 5% withdrawal rate.                         

It is important that you carefully manage your annual withdrawals. To ensure    
that you retain the full guarantees of this benefit, 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 a withdrawal from your Contract does result in   
annual withdrawals during a Contract Year exceeding the Annual Benefit Payment, 
the Total Guaranteed Withdrawal Amount will be recalculated and the Annual      
Benefit Payment will be reduced to the new Total Guaranteed Withdrawal Amount   
multiplied by the 5% withdrawal rate. IN ADDITION, AS NOTED ABOVE, IF A         
WITHDRAWAL RESULTS IN CUMULATIVE WITHDRAWALS FOR THE CURRENT CONTRACT YEAR      
EXCEEDING THE ANNUAL BENEFIT PAYMENT, 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       

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Amount so long as the withdrawal that exceeded the Annual Benefit Payment did   
not cause your Account Balance to decline to zero. A CHARGE WILL CONTINUE TO BE 
DEDUCTED AND CALCULATED BASED UPON THE TOTAL GUARANTEED WITHDRAWAL AMOUNT UNTIL 
TERMINATION OF THE RIDER.                                                       

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, since your Annual Benefit Payment is 5% of your          
Remaining Guaranteed Withdrawal Amount, you cannot withdraw 3% in one year and  
then withdraw 7% the next year without exceeding your Annual Benefit Payment in 
the second year.                                                                

SYSTEMATIC WITHDRAWAL PROGRAM.  If available in your state, you may choose to   
take your Annual Benefit Payment under the Systematic Withdrawal Program,       
including the first Contract Year. If you do so, any withdrawal charges that    
would otherwise apply to such withdrawals will be waived. Your Systematic       
Withdrawal Program withdrawal amount will be adjusted on each Contract          
Anniversary for any changes in the Annual Benefit Payment as a result of        
Automatic Annual Step-Ups, additional purchase payments or transfers received   
during the Contract Year. Any withdrawals taken outside of the Systematic       
Withdrawal Program will cause the Systematic Withdrawal Program to terminate.   
If the commencement of the Systematic Withdrawal Program does not coincide with 
a Contract Anniversary, the initial Systematic Withdrawal Program period will   
be adjusted to end on a Contract Anniversary.                                   

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 Balance exceeds the Total Guaranteed Withdrawal Amount immediately      
before the Step-Up (and provided that you have not chosen to decline the        
Step-Up as described below).                                                    

The Automatic Annual Step-Up will:                                              

 .   reset the Total Guaranteed Withdrawal Amount and the Remaining Guaranteed
   Withdrawal Amount to the Account Balance on the date of the Step-Up, up
to a maximum of $5,000,000;                                         

.   reset the Annual Benefit Payment equal to 5% of the Total Guaranteed    
Withdrawal Amount after the Step-Up; and                            

.   reset the Lifetime Withdrawal Guarantee Benefit charge to the then      
   current charge, up to a maximum of 0.95% for the same optional benefit.

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 Benefit   
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 writing at our Administrative Office 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 unless you  
notify us in writing at our Administrative Office 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. 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 Balance to approach $5,000,000  
because the Total Guaranteed Withdrawal Amount and Remaining Guaranteed         
Withdrawal Amount cannot exceed $5,000,000.                                     

REQUIRED MINIMUM DISTRIBUTIONS.  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.    
After the first Contract Year, we will increase your Annual Benefit Payment to  
equal your required minimum distribution amount for that year, if such amounts  
are greater than your Annual Benefit Payment. You must be enrolled in the       
automated required minimum distribution service to qualify for this increase in 
the Annual Benefit Payment. The                                                 

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frequency of your withdrawals must be annual. The automated required minimum    
distribution service is based on information relating to this Contract only. To 
enroll in the automated required minimum distribution service, please contact   
your Administrative Office.                                                     

INVESTMENT ALLOCATION RESTRICTIONS.  If you elect the Lifetime Withdrawal       
Guarantee Benefit, you are limited to allocating your purchase payments and     
Account Balance among the Fixed Interest Account and the following investment   
divisions:                                                                      

1. MetLife Conservative Allocation Investment Division                          

2. MetLife Conservative to Moderate Allocation Investment Division              

3. MetLife Moderate Allocation Investment Division                              

4. MetLife Moderate to Aggressive Allocation Investment Division                

CANCELLATION.  You may elect to cancel the Lifetime Withdrawal Guarantee        
Benefit every fifth Contract Anniversary for the first fifteen Contract Years   
and annually thereafter. We must receive your cancellation request within 30    
days following the eligible Contract Anniversary in writing at our              
Administrative Office. The cancellation will take effect on the day we receive  
your request. If cancelled, the Lifetime Withdrawal Guarantee Benefit will      
terminate, we will no longer deduct the Lifetime Withdrawal Guarantee Benefit   
charge, and the allocation restrictions described above will no longer apply.   
The contract, however, will continue.                                           

TERMINATION.  The Lifetime Withdrawal Guarantee Benefit will terminate upon the 
earliest of:                                                                    

1. The date of a full withdrawal of the Account Balance (A pro rata portion of  
the annual charge will apply; 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 this optional benefit have been met);                       

2. The date the Account Balance is applied to a pay-out option (A pro-rata      
portion of the annual charge for this rider will apply);                  

3. When your Account Balance is not sufficient to pay the charge for this       
benefit (whatever is available to pay the annual charge for the rider will
apply; you are still eligible to receive either the Remaining Guaranteed  
Withdrawal Amount or lifetime payments, provided the provisions and       
conditions of this optional benefit have been met);                       

4. The date a defaulted loan balance, once offset, causes the Account Balance   
to reduce to zero;                                                        

5. The Contract owner dies;                                                     

6. There is a change in contract owner, for any reason, unless we agree         
otherwise (A pro-rata portion of the annual charge for this rider will    
apply);                                                                   

7. The Deferred Annuity is terminated (A pro-rata portion of the annual charge  
for this rider will apply) or;                                            

8. Cancellation of this benefit.                                                

The Lifetime Withdrawal Guarantee Benefit may affect the death benefit          
available under your Contract. If the owner should die while the Lifetime       
Withdrawal Guarantee Benefit is in effect, an additional death benefit amount   
will be calculated under the Lifetime Withdrawal Guarantee Benefit that can be  
taken in a lump sum. The Lifetime Withdrawal Guarantee Benefit death benefit    
amount that may be taken as a lump sum will be equal to total purchase payments 
less any partial withdrawals and any outstanding loan balance. 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.                                                                     

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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. This death benefit will be paid instead of the  
applicable contractual death benefit (the basic death benefit, the additional   
death benefit amount calculated under the Lifetime Withdrawal Guarantee Benefit 
as described above, or the Annual Step-up Death Benefit, if that benefit had    
been purchased by the owner). 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. Federal income tax law generally requires   
that such payments be substantially equal and begin over a period no longer     
than the beneficiary's remaining life expectancy with payments beginning no     
later than the end of the calendar year immediately following the year of your  
death.                                                                          

We reserve the right to accelerate any payment that is less than $500 or to     
comply with requirements under the Internal Revenue Code (including minimum     
distribution requirement). If you terminate the Lifetime Withdrawal Guarantee   
Benefit because (1) you make a total withdrawal of your Account Balance;        
(2) your Account Balance is insufficient to pay the Lifetime Withdrawal         
Guarantee Benefit charge; or (3) the contract owner dies, you may not make      
additional purchase payments under the Contract.                                

The Lifetime Withdrawal Guarantee Benefit is available in Deferred Annuities,   
for an additional charge of 0.95% of the Total Guaranteed Withdrawal Amount,    
deducted at the end of each Contract Year by withdrawing amounts on a pro-rata  
basis from your Fixed Interest Account Balance and Separate Account Balance,    
after applying any 5% Compounding Income Amount and prior to taking into        
account any Automatic Annual Step-Up occurring on the Contract Anniversary. We  
take amounts from the Separate Account by canceling accumulation units from     
your Separate Account balance. If an Automatic Annual Step-Up occurs under a    
Lifetime Withdrawal Guarantee Benefit, we may increase the Lifetime Withdrawal  
Guarantee Benefit charge to the then current charge for the same optional       
benefit, but no more than a maximum of 0.95%. If, at the time the Contract was  
issued, the current charge for the benefit was equal to the maximum charge,     
then the charge for the benefit will not increase upon an Automatic Annual      
Step-Up. If the Lifetime Withdrawal Guarantee Benefit is in effect, the charge  
will continue even if your Remaining Guaranteed Withdrawal Amount equals zero.  

EXAMPLES                                                                        

The purpose of these examples is to illustrate the operation of the Guaranteed  
Withdrawal 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 investment allocations and the investment experience of the           
investment divisions chosen. The examples do not reflect the deduction of fees  
and charges, withdrawal charges and applicable income taxes and penalties. For  
purposes of the examples, it is assumed that no loans have been taken.          

A. Lifetime Withdrawal Guarantee Benefit                                        

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 Balance 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 $5,000 ($100,000 X 5%).

Assume that $5,000 is withdrawn each year, beginning before the contract owner  
attains age 59 1/2. The Remaining Guaranteed Withdrawal Amount is reduced by    
$5,000 each year as withdrawals are taken (the Guaranteed Total Withdrawal      

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Amount is not reduced by these withdrawals). The Annual Benefit Payment of      
$5,000 is guaranteed to be received until the Remaining Guaranteed Withdrawal   
Amount is depleted, even if the Account Balance is reduced to zero.             

If the first withdrawal is taken after age 59 1/2, then the Annual Benefit      
Payment of $5,000 is guaranteed to be received for the owner's lifetime, even   
if the Remaining Guaranteed Withdrawal Amount and the Account Balance are       
reduced to zero.                                                                

[CHART] 

       Annual Benefit     Cumulative           Account
          Payment         Withdrawals          Balance
         --------------     -----------        -----------
   1        $5,000           $ 5,000           $100,000.00
   2         5,000            10,000             90,250.00
   3         5,000            15,000             80,987.50
   4         5,000            20,000             72,188.13
   5         5,000            25,000             63,828.72
   6         5,000            30,000             55,887.28
   7         5,000            35,000             48,342.92
   8         5,000            40,000             41,175.77
   9         5,000            45,000             34,366.98
  10         5,000            50,000             27,898.63
  11         5,000            55,000             21,753.70
  12         5,000            60,000             15,916.02
  13         5,000            65,000             10,370.22
  14         5,000            70,000              5,101.71
  15         5,000            75,000                 96.62
  16         5,000            80,000                     0
  17         5,000            85,000                     0
  18         5,000            90,000            -13,466.53
  19         5,000            95,000                     0
  20         5,000           100,000                     0

2. When Withdrawals Do Exceed the Annual Benefit Payment                  

Assume that a contract had an initial purchase payment of $100,000. The initial 
Account Balance 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 $5,000 ($100,000 X 5%).

Assume that the Remaining Guaranteed Withdrawal Amount is reduced to $95,000    
due to a withdrawal of $5,000 in the first year. Assume the Account Balance was 
further reduced to $75,000 at year two due to poor market performance. If you   
withdrew $10,000 at this time, your Account Balance would be reduced to $75,000 
- $10,000 = $65,000. Your Remaining Guaranteed Withdrawal Amount would be       
reduced to $95,000 - $10,000 = $85,000. Since the withdrawal of $10,000         
exceeded the Annual Benefit Payment of $5,000 and the resulting Remaining       
Guaranteed Withdrawal Amount would be greater than the resulting Account        
Balance, 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 Balance 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 5% X $65,000 = $3,250.                    

B. Lifetime Withdrawal Guarantee Benefit -- 5% Compounding 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    
$5,000 ($100,000 X 5%).                                                         

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The Total Guaranteed Withdrawal Amount will increase by 5% of the previous      
year's Total Guaranteed Withdrawal Amount until the earlier of the first        
withdrawal or the 10th Contract Anniversary. The Annual Benefit Payment will be 
recalculated as 5% 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 $5,000 ($100,000 X 5%).           

If the first withdrawal is taken in the second Contract Year then the Total     
Guaranteed Withdrawal Amount would increase to $105,000 ($100,000 X 105%), and  
the Annual Benefit Payment would increase to $5,250 ($105,000 X 5%).            

If the first withdrawal is taken in the third Contract Year then the Total      
Guaranteed Withdrawal Amount would increase to $110,250 ($105,000 X 105%), and  
the Annual Benefit Payment would increase to $5,513 ($110,250 X 5%).            

If the first withdrawal is taken after the 10th Contract Year then the Total    
Guaranteed Withdrawal Amount would increase to $162,890 (the initial $100,000,  
increased by 5% per year, compounded annually for 10 years), and the Annual     
Benefit Payment would increase to $8,144 ($162,890 X 5%).                       

[CHART] 

Delay taking withdrawals and receive higher guaranteed payments 

Year of First Withdrawal

1      2      3      4      5      6      7      8      9      10     11    
-----  -----  -----  -----  -----  -----  -----  -----  -----  -----  -----     
5,000  5,250  5,513  5,788  6,078  6,381  6,700  7,036  7,387  7,757  8,144     

C. Lifetime Withdrawal Guarantee Benefit -- Automatic Annual Step-Ups and 5%    
Compounding Amount (No Withdrawals or loans)                              

Assume that a contract had an initial purchase payment of $100,000. Assume that 
no withdrawals or loans are taken.                                              

At the first Contract Anniversary, provided that no withdrawals or loans are    
taken, the Total Guaranteed Withdrawal Amount is increased to $105,000          
($100,000 increased by 5%, compounded annually). Assume the Account Balance 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 $105,000 to $110,000 and reset the Annual Benefit        
Payment to $5,500 ($110,000 X 5%).                                              

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At the second Contract Anniversary, provided that no withdrawals or loans are   
taken, the Total Guaranteed Withdrawal Amount is increased to $115,500          
($110,000 increased by 5%, compounded annually). Assume the Account Balance 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 $115,500 to $120,000 and reset the Annual Benefit        
Payment to $6,000 ($120,000 X 5%).                                              

Provided that no withdrawals or loans are taken, each year the Total Guaranteed 
Withdrawal Amount would increase by 5%, compounded annually, from the second    
Contract Anniversary through the ninth Contract Anniversary, and at that point  
would be equal to $168,852. Assume that during these contract years the Account 
Balance does not exceed the Total Guaranteed Withdrawal Amount due to poor      
market performance. Assume the Account Balance 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 $168,852 to $180,000 and reset the Annual Benefit Payment to $9,000        
($180,000 X 5%).                                                                

At the 10th Contract Anniversary, provided that no withdrawals or loans are     
taken, the Total Guaranteed Withdrawal Amount is increased to $189,000          
($180,000 increased by 5%, compounded annually). Assume the Account Balance is  
less than $189,000. There is no Automatic Annual Step-Up since the Account      
Balance is below the Total Guaranteed Withdrawal Amount; however, due to the 5% 
increase in the Total Guaranteed Withdrawal Amount, the Annual Benefit Payment  
is increased to $9,450 ($189,000 X 5%).                                         

LIFETIME WITHDRAWAL GUARANTEE BENEFIT--AUTOMATIC ANNUAL STEP-UPS AND 5%         
COMPOUNDING AMOUNT (NO WITHDRAWALS OR LOANS)                                    

[CHART] 

PAY-OUT OPTIONS (OR INCOME OPTIONS)                                             

 You may convert your Deferred Annuity into a regular stream of income after
your "pay-in" or "accumulation" phase. The pay-out phase is often referred
to as either "annuitizing" your Contract or taking an income annuity. When you  
select your pay-out option, you will be able to choose from the range of        
options we then have available. You have the flexibility to select a stream of  
income to meet your needs. If you decide you want a pay-out option, we withdraw 
some or all of your Account Balance (less any premium taxes, applicable         
contract fees and any outstanding loans), then we apply the net amount to the   
option. See "Income Taxes" for a discussion of partial annuitization. You are   
not required to hold your Deferred Annuity for any minimum time period before   
you may annuitize. However, you may not be older than 95 years old to select a  
pay-out option (90 in New York State). (These requirements may be changed by    
us.) You must convert at least $5,000 of your Account Balance to receive income 
payments. 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 MINIMUM INCOME BENEFIT OR LIFETIME WITHDRAWAL      
GUARANTEE BENEFIT, ANNUITIZING YOUR CONTRACT TERMINATES THE RIDER AND ANY DEATH 
BENEFIT PROVIDED BY THE RIDER.                                                  

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When considering a pay-out option, you should think about whether you want:     

..   Payments guaranteed by us for the rest of your life (or for the rest of two
lives) or the rest of your life (or for the rest of two lives) with a   
guaranteed period; and                                                  

..   A fixed dollar payment or a variable payment.                              

Your income option provides you with a regular stream of payments for either    
your lifetime or your lifetime with a guaranteed period.                        

You may choose the frequency of your income payments. For example, you may      
receive your payments on a monthly, quarterly, semiannual or annual basis.      

Your income payment amount will depend upon your choices. For lifetime options, 
the age of the measuring lives (annuitants) will also be considered. For        
example, if you select a pay-out option guaranteeing payments for your lifetime 
and your spouse's lifetime, your payments will typically be lower than if you   
select a pay-out option with payments over only your lifetime.                  

We do not guarantee that your variable payments will be a specific amount of    
money. You may choose to have a portion of the payment fixed and guaranteed     
under the Fixed Income Option. Should our current rates for a fixed pay-out     
option for your class of the Deferred Annuity provide for greater payments than 
those guaranteed in your Contract, the greater payment will be made.            

INCOME PAYMENT TYPES                                                            

Currently, we provide you with a wide variety of income payment types to  
suit a range of personal preferences. You decide the income payment type  
when you decide to take a pay-out option. Your decision is irrevocable.         

There are three people who are involved in payments under your pay-out option:  

..   Contract Owner: the person or entity which has all rights including the    
right to direct who receives payment.                                   

..   Annuitant: the natural person whose life is the measure for determining the
duration and the dollar amount of payments.                             

..   Beneficiary: the person who receives continuing payments or a lump sum     
payment, if any, if the contract owner dies.                            

Many times, the contract owner and the annuitant are the same person.           

When deciding how to receive income, consider:                                  

..   The amount of income you need;                                             

..   The amount you expect to receive from other sources;                       

..   The growth potential of other investments; and                             

..   How long you would like your income to be guaranteed.                      

The following income payment types are currently available. We may make         
available other income payment types if you so request and we agree. Where      
required by state law or under a qualified retirement plan, the annuitant's sex 
will not be taken into account in calculating income payments. Annuity rates    
will not be less than the rates guaranteed in the Contract at the time of       
purchase for the AIR and income payment type elected. Due to underwriting,      
administrative or Internal Revenue Code considerations, the choice of the       
percentage reduction and/or the duration of the guarantee period may be limited.

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Lifetime Income Annuity: A variable income that is paid as long as the          
annuitant is living.                                                            

Lifetime Income Annuity with a Guarantee Period: A variable income that         
continues as long as the annuitant is living but is guaranteed to be paid for a 
number of years. If the annuitant dies before all of the guaranteed payments    
have been made, payments are made to the contract owner of the annuity (or the  
beneficiary, if the contract owner dies during the guarantee period) until the  
end of the guarantee period. No payments are made once the guarantee period has 
expired and the annuitant is no longer living.                                  

Lifetime Income Annuity for Two: A variable income that is paid as long as      
either of the two annuitants is living. After one annuitant dies, payments      
continue to be made as long as the other annuitant is living. In that event,    
payments may be the same as those made while both annuitants were living or may 
be a smaller percentage that is selected when the annuity is first converted to 
an income stream. No payments are made once both annuitants are no longer       
living.                                                                         

Lifetime Income Annuity for Two with a Guarantee Period: A variable income that 
continues as long as either of the two annuitants is living but is guaranteed   
to be paid (unreduced by any percentage selected) for a number of years. If     
both annuitants die before all of the guaranteed payments have been made,       
payments are made to the contract owner of the annuity (or the beneficiary, if  
the contract owner dies during the guarantee period) until the end of the       
guaranteed period. If one annuitant dies after the guarantee period has         
expired, payments continue to be made as long as the other annuitant is living. 
In that event, payments may be the same as those made while both annuitants     
were living or may be a smaller percentage that is selected when the annuity is 
first converted to an income stream. No payments are made once the guarantee    
period has expired and both annuitants are no longer living.                    

ALLOCATION                                                                      

  You decide how your money is allocated among the Fixed Income Option and the
investment divisions.                                                     

MINIMUM SIZE OF YOUR INCOME PAYMENT                                             

Your initial income payment must be at least $100. If you live in         
Massachusetts, the initial income payment must be at least $20. This means
that the amount used from a Deferred Annuity to provide a pay-out option must   
be large enough to produce this minimum initial income payment.                 

THE VALUE OF YOUR INCOME PAYMENTS                                               

AMOUNT OF INCOME PAYMENTS                                                       

Variable income payments from an investment division will depend upon the       
number of annuity units held in that investment division (described below) and  
the Annuity Unit Value (described later) as of the 10th day prior to a payment  
date.                                                                           

This initial variable income payment is computed based on the amount of the     
purchase payment applied to the specific investment division (net any           
applicable premium tax owed or Contract charge), the AIR, the age of the        
measuring lives and the income payment type selected. The initial payment       
amount is then divided by the Annuity Unit Value for the investment division to 
determine the number of annuity units held in that investment division. The     
number of annuity units held remains the same for the duration of the Contract  
if no reallocations are made.                                                   

The dollar amount of subsequent variable income payments will vary with the     
amount by which investment performance is greater or less than the AIR.         

Each Deferred Annuity provides that, when a pay-out option is chosen, the       
payment will not be less than the payment produced by the then current Fixed    
Income Option purchase rates for that contract class.                           

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The purpose of this provision is to assure the annuitant that, at retirement,   
if the Fixed Income Option purchase rates for new contracts are significantly   
more favorable than the rates guaranteed by a Deferred Annuity of the same      
class, the annuitant will be given the benefit of the higher rates.             

ANNUITY UNITS                                                                   

Annuity units are credited to you when you first convert your Deferred Annuity  
into an income stream or make a reallocation of your income payment into an     
investment division during the pay-out phase. Before we determine the number of 
annuity units to credit to you, we reduce your Account Balance by any premium   
taxes and the Annual Contract Fee, if applicable. (The premium taxes and the    
Annual Contract Fee are not applied against reallocations.) We then compute an  
initial income payment amount using the AIR, your income payment type and the   
age of the measuring lives. We then divide the initial income payment           
(allocated to an investment division) by the Annuity Unit Value on the date of  
the transaction. The result is the number of annuity units credited for that    
investment division. The initial variable income payment is a hypothetical      
payment which is calculated based on the AIR. This initial variable income      
payment is used to establish the number of annuity units. It is not the amount  
of your actual first variable income payment unless your first income payment   
happens to be within 10 days after the date you convert your Deferred Annuity   
into an income stream. When you reallocate an income payment from an investment 
division, annuity units supporting that portion of your income payment in that  
investment division are liquidated.                                             

AIR                                                                             

Your income payments are determined by using the AIR to benchmark the           
investment experience of the investment divisions you select. We currently      
offer an AIR of 3% or 4%. The higher your AIR, the higher your initial variable 
income payment will be. Your next variable income payment will increase         
approximately in proportion to the amount by which the investment experience    
(for the time period between the payments) for the underlying Portfolio minus   
the Standard Death Benefit Separate Account charge (the resulting number is the 
net investment return) exceeds the AIR (for the time period between the         
payments). Likewise, your next variable income payment will decrease to the     
approximate extent the investment experience (for the time period between the   
payments) for the underlying Portfolio minus the Standard Death Benefit         
Separate Account charge (the net investment return) is less than the AIR (for   
the time period between the payments). A lower AIR will result in a lower       
initial variable income payment, but subsequent variable income payments will   
increase more rapidly or decline more slowly than if you had elected a higher   
AIR as changes occur in the investment experience of the investment divisions.  

The amount of each variable income payment is determined 10 days prior to your  
income payment date. If your first income payment is scheduled to be paid less  
than 10 days after you convert your Deferred Annuity to an income stream, then  
the amount of that payment will be determined on the date you convert your      
Deferred Annuity to a pay-out option.                                           

VALUATION                                                                       

This is how we calculate the Annuity Unit Value for each investment division:   

..   First, we determine the change in investment experience (which reflects the
 deduction for any investment-related charge) for the underlying Portfolio
from the previous trading day to the current trading day;               

..   Next, we subtract the daily equivalent of the Standard Death Benefit       
Separate Account charge for each day since the last day the Annuity Unit
Value was calculated; the resulting number is the net investment return;

..   Then, we multiply by an adjustment based on your AIR for each day since the
last Annuity Unit Value was calculated; and                             

..   Finally, we multiply the previous Annuity Unit Value by this result.       

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REALLOCATION PRIVILEGE                                                          

  During the pay-out phase of the Deferred Annuity, you may make reallocations
among investment divisions or from the investment divisions to the Fixed  
Income Option. Once you reallocate your income payment into the Fixed Income    
Option, you may not later reallocate it into an investment division. There is   
no withdrawal charge to make a reallocation.                                    

For us to process a reallocation, you must tell us:                             

..   The percentage of the income payment to be reallocated;                    

..   The investment divisions (or Fixed Income Option) to which you want to     
reallocate your income payment; and                                     

..   The investment divisions from which you want to reallocate your income     
payment.                                                                

Reallocations will be made at the end of the business day, at the close of the  
Exchange, if received in good order prior to the close of the Exchange, on that 
business day. All other reallocation requests will be processed on the next     
business day.                                                                   

When you request a reallocation from an investment division to the Fixed Income 
Option, the payment amount will be adjusted at the time of reallocation. Your   
payment may either increase or decrease due to this adjustment. The adjusted    
payment will be calculated in the following manner.                             

..   First, we update the income payment amount to be reallocated from the      
investment division based upon the applicable Annuity Unit Value at the 
time of the reallocation;                                               

..   Second, we use the AIR to calculate an updated annuity purchase rate based 
upon your age, if applicable, and expected future income payments at the
time of the reallocation;                                               

..   Third, we calculate another updated annuity purchase rate using our current
annuity purchase rates for the Fixed Income Option on the date of your  
reallocation;                                                           

..   Finally, we determine the adjusted payment amount by multiplying the       
updated income amount determined in the first step by the ratio of the  
  annuity purchase rate determined in the second step divided by the annuity
purchase rate determined in the third step.                             

When you request a reallocation from one investment division to another,        
annuity units in one investment division are liquidated and annuity units in    
the other investment division are credited to you. There is no adjustment to    
the income payment amount. Future income payment amounts will be determined     
based on the Annuity Unit Value for the investment division to which you have   
reallocated.                                                                    

You generally may make a reallocation on any day the Exchange is open. At a     
future date we may limit the number of reallocations you may make, but never to 
fewer than one a month. If we do so, we will give you advance written notice.   
We may limit a beneficiary's ability to make a reallocation.                    

Here are examples of the effect of a reallocation on the income payment:        

..   Suppose you choose to reallocate 40% of your income payment supported by   
investment division A to the Fixed Income Option and the recalculated   
  income payment supported by investment division A is $100. Assume that the
 updated annuity purchase rate based on the AIR is $125, while the updated
annuity purchase rate based on fixed income annuity pricing is $100. In 
that case, your income payment from the Fixed Income Option will be     
   increased by $40 x ($125/$100) or $50, and your income payment supported by
investment division A will be decreased by $40. (The number of annuity  
units in investment division A will be decreased as well.)              

..   Suppose you choose to reallocate 40% of your income payment supported by   
  investment division A to investment division B and the recalculated income
payment supported by investment division A is $100. Then, your income   
payment supported by investment division B will be increased by $40 and 
   your income payment supported by investment division A will be decreased by
$40. (Changes will also be made to the number of annuity units in both  
investment divisions as well.)                                          

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We may require that you use our original forms to make reallocations.           

Please see the "Transfer Privilege" section regarding our market timing         
policies and procedures.                                                        

CHARGES                                                                         

  You pay the Standard Death Benefit Separate Account charge for your contract
  class during the pay-out phase of the Deferred Annuity. In addition, you pay
the applicable investment-related charge during the pay-out phase of your       
Deferred Annuity. During the pay-out phase, we reserve the right to deduct the  
Annual Contract Fee. If we do so, it will be deducted pro-rata from each income 
payment. The Separate Account charge you pay will not reduce the number of      
annuity units credited to you. Instead, we deduct the charges as part of the    
calculation of the Annuity Unit Value.                                          

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GENERAL INFORMATION                                                             

ADMINISTRATION                                                                  

All transactions will be processed in the manner described below.               

PURCHASE PAYMENTS                                                               

Purchase payments may be sent, by check, cashier's check or certified check     
made payable to "MetLife," to the Administrative Office, or MetLife sales       
office, if that office has been designated for this purpose. (We reserve the    
right to receive purchase payments by other means acceptable to us.) We do not  
accept cash, money orders or traveler's checks. We will provide you with all    
necessary forms. We must have all documents in good order to credit your        
purchase payments. 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 delay in applying the purchase payment or transaction to your      
contract.                                                                       

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."             

Purchase payments (including any portion of your Account Balance under a        
Deferred Annuity which you apply to a pay-out option) are effective and valued  
as of the close of the Exchange on the day we receive them in good order at     
your Administrative Office, except when they are received:                      

..   On a day when the Accumulation Unit Value/Annuity Unit Value is not        
calculated, or                                                          

..   After the close of the Exchange.                                           

In those cases, the purchase payments will be effective the next day the        
Accumulation Unit Value or Annuity Unit Value, as applicable, is calculated.    

We reserve the right to credit your initial purchase payment to you within two  
days after its receipt at your Administrative Office or MetLife sales office,   
as applicable. However, if you fill out our forms incorrectly or incompletely   
or other documentation is not completed properly or otherwise not in good       
order, we have up to five business days to credit the payment. If the problem   
cannot be resolved by the fifth business day, we will notify you and give you   
the reasons for the delay. At that time, you will be asked whether you agree to 
let us keep your money until the problem is resolved. If you do not agree or we 
cannot reach you by the fifth business day, your money will be returned.        

Under the Deferred Annuities, your employer or the group in which you are a     
participant or member must identify you on its reports to us and tell us how    
your money should be allocated among the investment divisions and the Fixed     
Interest Account, if available.                                                 

CONFIRMING TRANSACTIONS                                                         

You will receive a written statement confirming that a transaction was recently 
completed. Certain transactions made on a periodic basis, such as Systematic    
Withdrawal Program payments, and automated investment strategy transfers, may   
be confirmed quarterly. Salary reduction or deduction purchase payments under   
the TSA and TSA ERISA Deferred Annuity are confirmed quarterly. Unless you      
inform us of any errors within 60 days of receipt, we will consider these       
communications to be accurate and complete.                                     

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PROCESSING TRANSACTIONS                                                         

We permit you to request transactions by mail and telephone. We make Internet   
access available to you. We may suspend or eliminate telephone or Internet      
privileges at any time, without prior notice. We reserve the right not to       
accept requests for transactions by facsimile.                                  

If mandated by applicable law, including, but not limited to, Federal           
anti-money laundering laws, we may be required to reject a purchase payment. We 
may also be required to block a contract owner's account and, consequently,     
refuse to implement requests for transfers, withdrawals, surrenders or death    
benefits, until instructions are received from the appropriate governmental     
authority.                                                                      

BY TELEPHONE OR INTERNET                                                        

You may initiate a variety of transactions and obtain information by telephone  
or the Internet virtually 24 hours a day, 7 days a week, unless prohibited by   
state law or your employer. Some of the information and transactions accessible 
to you include:                                                                 

..   Account Balance                                                            

..   Unit Values                                                                

..   Current rates for the Fixed Interest Account                               

..   Transfers                                                                  

..   Changes to investment strategies                                           

..   Changes in the allocation of future purchase payments.                     

Your transaction must be in good order and completed prior to the close of the  
Exchange on one of our business days if you want the transaction to be valued   
and effective on that day. Transactions will not be valued and effective on a   
day when the Accumulation or Annuity Unit Value is not calculated or after the  
close of the Exchange. We will value and make effective these transactions on   
our next business day.                                                          

We have put into place reasonable security procedures to insure that            
instructions communicated by telephone or Internet are genuine. For example,    
all telephone calls are recorded. Also, you will be asked to provide some       
personal data prior to giving your instructions over the telephone or through   
the Internet. When someone contacts us by telephone or Internet and follows our 
security procedures, we will assume that you are authorizing us to act upon     
those instructions. Neither the Separate Account nor MetLife will be liable for 
any loss, expense or cost arising out of any requests that we or the Separate   
Account reasonably believe to be authentic. In the unlikely event that you have 
trouble reaching us, requests should be made in writing to your Administrative  
Office.                                                                         

Response times for the telephone or Internet may vary due to a variety of       
factors, including volumes, market conditions and performance of the systems.   
We are not responsible or liable for:                                           

..   any inaccuracy, error, or delay in or omission of any information you      
transmit or deliver to us; or                                           

..   any loss or damage you may incur because of such inaccuracy, error, delay  
   or omission; non-performance; or any interruption of information beyond our
control.                                                                

AFTER YOUR DEATH                                                                

If we are presented in good order with notification of your death before any    
requested transaction is completed (including transactions under automated      
investment strategies, minimum distribution program and Systematic Withdrawal   
Program), we will cancel the request. As described above, the death benefit     
will be determined when we receive due proof                                    

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of death and an election for the payment method. If you are receiving income    
payments, we will cancel the request and continue making payments to your       
beneficiary if your income type so provides. Or, depending on the income type,  
we may continue making payments to a joint annuitant.                           

MISSTATEMENT                                                                    

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

Once income payments have begun, any underpayments will be made up in one sum   
with the next income payment in a manner agreed to by us. Any overpayment will  
be deducted first from future income payments. In certain states, we are        
required to pay interest on any under payments.                                 

THIRD PARTY REQUESTS                                                            

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

VALUATION -- SUSPENSION OF PAYMENTS                                             

We separately determine the Accumulation Unit Value and Annuity Unit Value, as  
applicable, for each investment division once each day when the Exchange is     
open for trading. If permitted by law, we may change the period between         
calculations but we will give you 30 days notice.                               

When you request a transaction, we will process the transaction using the next  
available Accumulation Unit Value or Annuity Unit Value. Subject to our         
procedure, we will make withdrawals and transfers/reallocations at a later      
date, if you request. If your withdrawal request is to elect a variable pay-out 
option under your Deferred Annuity, we base the number of annuity units you     
receive on the next available Annuity Unit Value.                               

We reserve the right to suspend or postpone payment for a withdrawal or         
transfer/reallocation when:                                                     

..   rules of the Securities and Exchange Commission so permit (trading on the  
Exchange is restricted, the Exchange is closed other than for customary 
 weekend or holiday closings or an emergency exists which makes pricing or
sale of securities not practicable); or                                 

..   during any other period when the Securities and Exchange Commission by     
order so permits.                                                       

ADVERTISING PERFORMANCE                                                         

    We periodically advertise the performance of the investment divisions. You
  may get performance information from a variety of sources including your
quarterly statements, your MetLife representative, the Internet, annual reports 
and semiannual reports. All performance numbers are based upon historical       
earnings. These numbers are not intended to indicate future results.            

We may state performance in terms of "yield," "change in Accumulation Unit      
Value/Annuity Unit Value," "average annual total return" or some combination of 
these terms.                                                                    

YIELD is the net income generated by an investment in a particular investment   
division for 30 days or a month. These figures are expressed as percentages.    
This percentage yield is compounded semiannually. For the money market          
investment division, we state yield for a seven day period.                     

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CHANGE IN ACCUMULATION/ANNUITY UNIT VALUE ("Non-Standard Performance") is       
calculated by determining the percentage change in the value of an accumulation 
(or annuity) unit for a certain period. These numbers may also be annualized.   
Change in Accumulation/Annuity Unit Value may be used to demonstrate            
performance for a hypothetical investment (such as $10,000) over a specified    
period. These performance numbers reflect the deduction of the Separate Account 
charges (with the Basic Death Benefit), the additional Separate Account charge  
for the American Funds Bond, American Funds Growth, American Funds              
Growth-Income and American Funds Global Small Capitalization investment         
divisions and the Annual Contract Fee; however, yield and change in             
Accumulation/Annuity Unit Value performance do not reflect the possible         
imposition of withdrawal charges, the charge for the Guaranteed Minimum Income  
Benefit and the charge for the Lifetime Withdrawal Guarantee Benefit.           
Withdrawal charges would reduce performance experience.                         

AVERAGE ANNUAL TOTAL RETURN ("Standard Performance") calculations reflect the   
Separate Account charge, the additional Separate Account charge for the         
American Funds Growth, American Funds Growth-Income, American Funds Bond and    
American Funds Global Small Capitalization investment divisions and the Annual  
Contract Fee and applicable withdrawal charges since the investment division    
inception date, which is the date the corresponding Portfolio or predecessor    
Portfolio was first offered under the Separate Account that funds the Deferred  
Annuity. These figures also assume a steady annual rate of return. They assume  
that combination of optional benefits (including the Annual Step-Up Death       
Benefit) that would produce the greatest total Separate Account charge.         

Performance figures will vary among the various classes of the Deferred         
Annuities and the investment divisions as a result of different Separate        
Account charges and withdrawal charges.                                         

We may calculate performance for certain investment strategies including Equity 
Generator and each asset allocation model of the Index Selector. We calculate   
the performance as a percentage by presuming a certain dollar value at the      
beginning of a period and comparing this dollar value with the dollar value     
based on historical performance at the end of that period. We assume the        
Separate Account charge reflects the Standard Death Benefit. The information    
does not assume the charge for the Guaranteed Minimum Income Benefit or         
Lifetime Withdrawal Guarantee Benefit. This percentage return assumes that      
there have been no withdrawals or other unrelated transactions.                 

For purposes of presentation of Non-Standard Performance, we may assume that    
the Deferred Annuities were in existence prior to the inception date of the     
investment divisions in the Separate Account that funds the Deferred Annuity.   
In these cases, we calculate performance based on the historical performance of 
the underlying Metropolitan Fund, Calvert Fund, Met Investors Fund and American 
Funds(R) Portfolios since the Portfolio inception date. We use the actual       
accumulation unit or annuity unit data after the inception date. Any            
performance data that includes all or a portion of the time between the         
Portfolio inception date and the investment division inception date is          
hypothetical. Hypothetical returns indicate what the performance data would     
have been if the Deferred Annuity had been introduced as of the Portfolio       
inception date.                                                                 

We may also present average annual total return calculations which reflect all  
Separate Account charges and applicable withdrawal charges since the Portfolio  
inception date. We use the actual accumulation unit or annuity unit data after  
the inception date. Any performance data that includes all or a portion of the  
time between the Portfolio inception date and the investment division inception 
date is hypothetical. Hypothetical returns indicate what the performance data   
would have been if the Deferred Annuity had been introduced as of the Portfolio 
inception date.                                                                 

Past performance is no guarantee of future results.                             

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

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

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

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

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

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

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

CHANGES TO YOUR DEFERRED ANNUITY                                                

     We have the right to make certain changes to your Deferred Annuity, but
     only as permitted by law. We make changes when we think they would best
      serve the interest of annuity owners or would be appropriate in carrying
out the purposes of the Deferred Annuity. If the law requires, we will also get 
your approval and the approval of any appropriate regulatory authorities.       
Examples of the changes we may make include:                                    

..   To operate the Separate Account in any form permitted by law.              

..   To take any action necessary to comply with or obtain and continue any     
 exemptions under the law (including favorable treatment under the Federal
income tax laws) including limiting the number, frequency or types of   
transfers/reallocations permitted.                                      

..   To transfer any assets in an investment division to another investment     
 division, or to one or more separate accounts, or to our general account,
  or to add, combine or remove investment divisions in the Separate Account.

..   To substitute for the Portfolio shares in any investment division, the     
   shares of another class of the Metropolitan Fund, the Calvert Fund, the Met
Investors Fund or the shares of another investment company or any other 
investment permitted by law.                                            

..   To make any necessary technical changes in the Deferred Annuities in order 
to conform with any of the above-described actions.                     

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If any changes result in a material change in the underlying investments of an  
investment division in which you have a balance or an allocation, we will       
notify you of the change. You may then make a new choice of investment          
divisions. For Deferred Annuities issued in Pennsylvania, we will ask your      
approval before making any technical changes.                                   

VOTING RIGHTS                                                                   

  Based on our current view of applicable law, you have voting interests under
your Deferred Annuity concerning Metropolitan Fund, Calvert Fund, Met     
Investors Fund or American Funds(R) proposals that are subject to a shareholder 
vote. Therefore, you are entitled to give us instructions for the number of     
shares which are deemed attributable to your Deferred Annuity.                  

We will vote the shares of each of the underlying Portfolios held by the        
Separate Account based on instructions we receive from those having a voting    
interest in the corresponding investment divisions. However, if the law or the  
interpretation of the law changes, we may decide to exercise the right to vote  
the Portfolio's shares based on our own judgment.                               

You are entitled to give instructions regarding the votes attributable to your  
Deferred Annuity in your sole discretion.                                       

There are certain circumstances under which we may disregard voting             
instructions. However, in this event, a summary of our action and the reasons   
for such action will appear in the next semiannual report. If we do not receive 
your voting instructions, we will vote your interest in the same proportion as  
represented by the votes we receive from other investors. The effect of this    
proportional voting is that a small number of contract owners may control the   
outcome of a vote. Shares of the Metropolitan Fund, the Calvert Fund, the Met   
Investors Fund or the American Funds(R) that are owned by our general account   
or by any of our unregistered separate accounts will be voted in the same       
proportion as the aggregate of:                                                 

..   The shares for which voting instructions are received, and                 

..   The shares that are voted in proportion to such voting instructions.       

However, if the law or the interpretation of the law changes, we may decide to  
exercise the right to vote the Portfolio's shares based on our judgment.        

WHO SELLS THE DEFERRED ANNUITIES                                                

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

MLIDC's principal executive offices are located at 5 Park Plaza, Suite 1900,    
Irvine, California 92614. MLIDC is registered as a broker-dealer with the       
Securities and Exchange Commission ("SEC") under the Securities Exchange Act of 
1934, as well as the securities commissions in the states in which it operates, 
and is a member of the Financial Industry Regulatory Authority ("FINRA"). FINRA 
provides background information about broker-dealers and their registered       
representatives through FINRA BrokerCheck. You may contact the FINRA            
BrokerCheck Hotline at 1-800-289-9999, or log on to www.finra.org. An investor  
brochure that includes information describing FINRA BrokerCheck is available    
through the Hotline or on-line.                                                 

Deferred Annuities are sold through MetLife licensed sales representatives who  
are associated with MetLife Securities, Inc. ("MSI"), our affiliate and a       
broker-dealer, which is paid compensation for the promotion and sale of the     
Deferred Annuities. Previously, Metropolitan Life Insurance Company was the     
broker-dealer through which MetLife sales representatives sold the Deferred     
Annuities. The Deferred Annuities are also sold through the registered          
representatives                                                                 

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of our other affiliated broker-dealers. MSI and our affiliated broker-dealers   
are registered with the SEC as broker-dealers under the Securities Exchange Act 
of 1934 and are also members of FINRA. The Deferred Annuities may also be sold  
through other registered broker-dealers. The Deferred Annuity may also be sold  
through the mail or the Internet.                                               

There is no front-end sales load deducted from purchase payments to pay sales   
commissions. Distribution costs are recovered through the Separate Account      
charge. Our sales representatives in our MetLife Resources division must meet a 
minimum level of sales production in order to maintain employment with us.      
MetLife sales representatives who are not in our MetLife Resources division     
("non-MetLife Resources MetLife sales representatives") must meet a minimum     
level of sales of proprietary products in order to maintain employment with us. 

Non-MetLife Resources MetLife sales representatives and MetLife Resources sales 
representatives receive cash payments for the products they sell and service    
based upon a 'gross dealer concession' model. With respect to the Deferred      
Annuities, the gross dealer concession ranges from 0.75% to 9% (depending on    
the class purchased) of each purchase payment each year the Contract is in      
force and, starting in the second Contract Year, ranges from 0.25% to 1.00%     
(depending on the class purchased) of the Account Balance each year that the    
Contract is in force for servicing the Deferred Annuity. Gross dealer           
concession may also be paid when the Contract is annuitized. The amount of this 
gross dealer concession payable upon annuitization depends on several factors,  
including the number of years the Deferred Annuity has been in force.           
Compensation to the sales representative is all or part of the gross dealer     
concession. Compensation to sales representatives in the MetLife Resources      
division is based upon premiums and purchase payments applied to all products   
sold and serviced by the representative. Compensation to non-MetLife Resources  
MetLife sales representatives is determined based upon a formula that           
recognizes premiums and purchase payments applied to proprietary products sold  
and serviced by the representative as well as certain premiums and purchase     
payments applied to non-proprietary products sold by the representative.        
Proprietary products are those issued by us or our affiliates. Because one of   
the factors determining the percentage of gross dealer concession that applies  
to a non-MetLife Resources MetLife sales representative's compensation is sales 
of proprietary products, these sales representatives have an incentive to favor 
the sale of proprietary products. Because non-MetLife Resources MetLife sales   
managers' compensation is based upon the sales made by the representatives they 
supervise, these sales managers also have an incentive to favor the sale of     
proprietary products.                                                           

Non-MetLife Resources MetLife sales representatives and MetLife Resources sales 
representatives and their managers and the sales representatives and managers   
of our affiliates may be eligible for additional cash compensation, such as     
bonuses, equity awards (such as stock options), training allowances,            
supplemental salary, financial arrangements, marketing support, medical and     
other insurance benefits, and retirement benefits and other benefits based      
primarily on the amount of proprietary products sold. Because additional cash   
compensation paid to non-MetLife Resources MetLife sales representatives and    
MetLife Resources sales representatives and their managers and the sales        
representatives and their managers of our affiliates is based primarily on the  
sale of proprietary products, non-MetLife Resources MetLife sales               
representatives and MetLife Resources sales representatives and their managers  
and the sales representatives and their managers of our affiliates have an      
incentive to favor the sale of proprietary products.                            

Sales representatives who meet certain productivity, persistency, and length of 
service standards and/or their managers may be eligible for additional cash     
compensation. Moreover, managers may be eligible for additional cash            
compensation based on the sales production of the sales representatives that    
the manager supervises.                                                         

Our sales representatives and their managers may be eligible for non-cash       
compensation incentives, such as conferences, trips, prizes and awards. Other   
non-cash compensation payments may be made for other services that are not      
directly related to the sale of products. These payments may include support    
services in the form of recruitment and training of personnel, production of    
promotional services and other support services.                                

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Other incentives and additional cash compensation provide sales representatives 
and their managers with an incentive to favor the sale of proprietary products. 
The business unit responsible for the operation of our distribution system is   
also paid.                                                                      

MLIDC also pays compensation for the sale of the Deferred Annuities by          
affiliated broker-dealers. The compensation paid to broker-dealers for sales of 
the Deferred Annuities is generally not expected to exceed, on a present value  
basis, the aggregate amount of total compensation that is paid with respect to  
sales made through MetLife representatives. (The total compensation includes    
payments that we make to our business unit that is responsible for the          
operation of the distribution systems through which the Deferred Annuities are  
sold.) These firms pay their sales representatives all or a portion of the      
commissions received for their sales of Deferred Annuities; some firms may      
retain a portion of commissions. The amount that selling firms pass on to their 
sales representatives is determined in accordance with their internal           
compensation programs. Those programs may also include other types of cash and  
non-cash compensation and other benefits. Sales representatives of affiliated   
broker-dealers and their managers may be eligible for various cash benefits and 
non-cash compensation (as described above) that we may provide jointly with     
affiliated broker-dealers. Because of the receipt of this cash and non-cash     
compensation, sales representatives and their managers of our affiliated        
broker-dealers have an incentive to favor the sale of proprietary products.     

MLIDC may also enter into preferred distribution arrangements with certain      
affiliated broker-dealer firms such as New England Securities Corporation,      
Walnut Street Securities, Inc. and Tower Square Securities, Inc. These          
arrangements are sometimes called "shelf space" arrangements. Under these       
arrangements, MLIDC may pay separate, additional compensation to the            
broker-dealer firm for services the broker-dealer firm provides in connection   
with the distribution of the Contracts. These services may include providing us 
with access to the distribution network of the broker-dealer firm, the hiring   
and training of the broker-dealer firm's sales personnel, the sponsoring of     
conferences and seminars by the broker-dealer firm, or general marketing        
services performed by the broker-dealer firm. The broker-dealer firm may also   
provide other services or incur other costs in connection with distributing the 
Contracts.                                                                      

MLIDC also pays compensation for the sale of Contracts by unaffiliated          
broker-dealers. The compensation paid to unaffiliated broker-dealers for sales  
of the Deferred Annuities is generally not expected to exceed, on a present     
value basis, the aggregate amount of total compensation that is paid with       
respect to sales made through MetLife representatives. (The total compensation  
includes payments that we make to our business unit that is responsible for the 
operation of the distribution systems through which the Deferred annuities are  
sold.) Broker-dealers pay their sales representatives all or a portion of the   
commissions received for their sales of the Contracts. Some firms may retain a  
portion of commissions. The amount that the broker-dealer passes on to its      
sales representatives is determined in accordance with its internal             
compensation programs. Those programs may also include other types of cash and  
non-cash compensation and other benefits. We and our affiliates may also        
provide sales support in the form of training, sponsoring conferences,          
defraying expenses at vendor meetings, providing promotional literature and     
similar services. An unaffiliated broker-dealer or sales representative of an   
unaffiliated broker-dealer may receive different compensation for selling one   
product over another and/or may be inclined to favor one product provider over  
another product provider due to differing compensation rates. Ask your sales    
representative further information about what your sales representative and the 
broker-dealer for which he or she works may receive in connection with your     
purchase of a Contract.                                                         

We or our affiliates pay American Funds Distributors, Inc., the principal       
underwriter for the American Funds(R), a percentage of all purchase payments    
allocated to the American Funds Growth Portfolio, the American Funds            
Growth-Income Portfolio, American Funds Bond Portfolio and the American Funds   
Global Small Capitalization Portfolio for the services it provides in marketing 
the Portfolios' shares in connection with the Deferred Annuity.                 

From time to time, MetLife pays organizations, associations and non-profit      
organizations fees to sponsor MetLife's variable annuity contracts. We may also 
obtain access to an organization's members to market our variable annuity       
contracts.                                                                      

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

FINANCIAL STATEMENTS                                                            

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

YOUR SPOUSE'S RIGHTS                                                            

If you received your Contract through a qualified retirement plan and your plan 
is subject to ERISA (the Employee Retirement Income Security Act of 1974) and   
you are married, the income payments, withdrawal and loan provisions, and       
methods of payment of the death benefit under your Deferred Annuity may be      
subject to your spouse's rights.                                                

If your benefit is worth $5,000 or less, your plan may provide for distribution 
of your entire interest in a lump sum without your spouse's consent.            

For details or advice on how the law applies to your circumstances, consult     
your tax advisor or attorney.                                                   

WHEN WE CAN CANCEL YOUR DEFERRED ANNUITY                                        

We may cancel your Deferred Annuity only if we do not receive any purchase      
payments from you for 24 consecutive months (36 consecutive months in New York  
State) and your Account Balance is less than $2,000. Accordingly, no Deferred   
Annuity will be terminated due solely to negative investment performance. We    
will only do so to the extent allowed by law. If we do so, we will return the   
full Account Balance, less any outstanding loans. Federal tax law may impose    
additional restrictions on our right to cancel your SEP and SIMPLE IRA Deferred 
Annuity.                                                                        

The tax law may also restrict payment of surrender proceeds to participants     
under certain employer retirement plans prior to reaching certain permissible   
triggering events.                                                              

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INCOME TAXES                                                                    

The following information on taxes is a general discussion of the subject.
It is not intended as tax advice. The Internal Revenue Code (Code) is     
complex and subject to change regularly. Failure to comply with the tax law may 
result in significant adverse tax consequences and tax penalties. Consult your  
own tax adviser about your circumstances, any recent tax developments, and the  
impact of state income taxation. For purposes of this section, we address       
Deferred Annuities and income payments under the Deferred Annuities together.   

You should read the general provisions and any sections relating to your type   
of annuity to familiarize yourself with some of the tax rules for your          
particular Contract.                                                            

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

Where otherwise permitted under the Deferred Annuity, the transfer of ownership 
of a Deferred Annuity, the designation or change in designation of an           
annuitant, payee or other beneficiary who is not also a contract owner, the     
selection of certain maturity dates, the exchange of a Deferred Annuity, or the 
receipt of a Deferred Annuity in an exchange, may result in income tax and      
other tax consequences, including additional withholding, estate tax, gift tax  
and generation skipping transfer tax, that are not discussed in this            
Prospectus. The SAI may contain additional information. Please consult your tax 
adviser.                                                                        

PUERTO RICO TAX CONSIDERATIONS                                                  

The amount of income on annuity distributions (payable over your lifetime) is   
calculated differently under the Puerto Rico Internal Revenue Code of 2011 (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 Internal Revenue Service    
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.                                                       

ANNUITY PURCHASES BY NONRESIDENT ALIENS AND FOREIGN CORPORATIONS                

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 purchasing an annuity contract.                

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

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

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GENERAL                                                                         

Deferred annuities are a means of setting aside money for future needs, 
   usually retirement. Congress recognizes how important saving for retirement
is and has provided special rules in the Code.                                  

All TSAs (ERISA and non-ERISA), 457(b), 403(a) and IRAs (including SEPs and     
SIMPLEs) receive tax deferral under the Code. Although there are no additional  
tax benefits by funding such retirement arrangements with an annuity, doing so  
offers you additional insurance benefits such as the availability of a          
guaranteed income for life.                                                     

Under current federal income tax law, the taxable portion of distributions and  
withdrawals from variable annuity contracts (including TSAs, 457(b), 403(a) and 
IRAs) are subject to ordinary income tax and are not eligible for the lower tax 
rates that apply to long term capital gains and qualifying dividends.           

WITHDRAWALS                                                                     

When money is withdrawn from your Contract (whether by you or your              
beneficiary), the amount treated as taxable income and taxed as ordinary income 
differs depending on the type of annuity you purchase (e.g., IRA or TSA) and    
payment method or income payment type you elect. If you meet certain            
requirements, your designated Roth earnings are free from Federal income taxes. 

We will withhold a portion of the amount of your withdrawal for income taxes,   
unless you are eligible to and you elect otherwise. The amount we withhold is   
determined by the Code.                                                         

WITHDRAWALS BEFORE AGE 59 1/2                                                   

Because these products are intended for retirement, if you make a taxable       
withdrawal before age 59 1/2 you may incur a 10% tax penalty, in addition to    
ordinary income taxes. Also, please see the section below titled Separate       
Account Charges for further information regarding withdrawals.                  

As indicated in the chart below, some taxable distributions prior to age 59 1/2 
are exempt from the penalty. Some of these exceptions include amounts received: 

                                                        [Enlarge/Download Table]

                                                                      Type of Contract          
                                                             ---------------------------------- 
                                                             TSA and                            
                                                               TSA   SIMPLE                     
                                                              ERISA  IRA/1/ SEP 457(b)/3/ 403(a)
                                                             ------- ------ --- --------  ------
                                                                                                

In a series of substantially equal payments made annually                                       
(or more frequently) for life or life expectancy (SEPP)       x/2/     x     x    x/2/     x/2/ 

After you die                                                    x     x     x       x        x 

After you become totally disabled (as defined in the Code)       x     x     x       x        x 

To pay deductible medical expenses                               x     x     x       x        x 

After separation from service if you are over 55 at time of                                     
separation/2/                                                    x                   x        x 

After December 31, 1999 for IRS levies                           x     x     x       x        x 

To pay medical insurance premiums if you are unemployed                x     x                  

For qualified higher education expenses                                x     x                  

For qualified first time home purchases up to $10,000                  x     x                  

Pursuant to qualified domestic relations orders                  x                   x        x 

/1/  For SIMPLE IRAs the 10% tax penalty for early withdrawals is generally 
 increased to 25% for withdrawals within the first two years of your
participation in the SIMPLE IRA.                                  

/2/  You must be separated from service at the time payments begin.         

/3/  Distributions from 457(b) plans are generally not subject to the 10%   
    penalty; however, the 10% penalty does apply to distributions from the
    457(b) plans of state or local government employers to the extent that
     the distribution is attributable to rollovers accepted from other types
of eligible retirement plans.                                     

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SYSTEMATIC WITHDRAWAL PROGRAM FOR SUBSTANTIALLY EQUAL PERIODIC PAYMENTS (SEPP)  
AND INCOME OPTIONS                                                              

If you are considering using the Systematic Withdrawal Program or selecting an  
income option for the purpose of meeting the SEPP exception to the 10% tax      
penalty, consult with your tax adviser. It is not clear whether certain         
withdrawals or income payments under a variable annuity will satisfy the SEPP   
exception.                                                                      

If you receive systematic payments that you intend to qualify for the SEPP      
exception, any modifications (except due to death or disability) to your        
payment before age 59 1/2 or within five years after beginning SEPP payments,   
whichever is later, will result in the retroactive imposition of the 10%        
penalty with interest. Such modifications may include additional purchase       
payments or withdrawals (including tax-free transfers or rollovers of income    
payments) from the Deferred Annuity.                                            

SEPARATE ACCOUNT CHARGES                                                        

It is conceivable that the charges for certain benefits such as any of the      
guaranteed death benefits (Annual Step Up Death Benefit) and certain living     
benefits (e.g. the Guaranteed Minimum Income Benefit) could be considered to be 
taxable each year as deemed distributions from the Contract to pay for          
non-annuity benefits. We currently treat these charges as an intrinsic part of  
the annuity contract and do not tax report these as taxable income. However, it 
is possible that this may change in the future if we determine that this is     
required by the IRS. If so, the charge could also be subject to a 10% penalty   
tax if the taxpayer is under age 59 1/2.                                        

INCIDENTAL BENEFITS                                                             

Certain death benefits may be considered incidental benefits under a tax        
qualified plan, which are limited under the Code. Failure to satisfy these      
limitations may have adverse tax consequences to the plan and to the            
participant.                                                                    

Where otherwise permitted to be offered under annuity contracts issued in       
connection with qualified plans, the amount of life insurance is limited under  
the incidental death benefit rules. You should consult your own tax advisor     
prior to purchase of the Contract under any type of IRA, 403(b) arrangement or  
qualified plan as a violation of these requirements could result in adverse tax 
consequences to the plan and to the participant including current taxation of   
amounts under the Contract.                                                     

GUARANTEED WITHDRAWAL BENEFITS                                                  

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

In the event that the Account Balance 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 31st must be taken into account  
in addition to the Account Balance of the Contract.                             

PURCHASE PAYMENTS                                                               

Generally, all purchase payments will be contributed on a before-tax basis.     
This means that the purchase payments entitle you to a tax deduction or are not 
subject to current income tax.                                                  

Under some circumstances "after-tax" purchase payments can be made to certain   
annuities. These purchase payments do not reduce your taxable income or give    
you a tax deduction.                                                            

There are different annual purchase payments limits for the annuities offered   
in this Prospectus. Purchase payments in excess of the limits may result in     
adverse tax consequences.                                                       

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Your Contract may accept certain direct transfers and rollovers from other      
qualified plan accounts and contracts; such transfers and rollovers are         
generally not subject to annual limitations on purchase payments.               

WITHDRAWALS, TRANSFERS AND INCOME PAYMENTS                                      

Because your purchase payments are generally 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 and income payments attributable  
to any after-tax contributions are not subject to income tax (except for the    
portion of the withdrawal or payment allocable to earnings).                    

If certain requirements are met, you may be able to transfer amounts in 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.                                                      

Your Deferred Annuity is not forfeitable (e.g., not subject to claims of your   
creditors) and you may not transfer it to someone else. For certain qualified   
employer plans, an important exception is that your account may be transferred  
pursuant to a qualified domestic relations order (QDRO).                        

Please consult the specific section for the type of annuity you purchased to    
determine if there are restrictions on withdrawals, transfers or income         
payments.                                                                       

Minimum distribution requirements also apply to the Deferred Annuities. These   
are described separately later in this section.                                 

Certain mandatory distributions made to participants in an amount in excess of  
$1,000 (but less than $5,000) must be automatically rolled over to an IRA       
designated by the plan, unless the participant elects to receive it in cash or  
roll it over to a different IRA or eligible retirement plan.                    

ELIGIBLE ROLLOVER DISTRIBUTIONS AND 20% MANDATORY WITHHOLDING                   

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. We are not required to withhold this    
money if you direct us, the trustee or the custodian of the plan, to directly   
rollover your eligible rollover distribution to a traditional IRA or another    
eligible retirement plan.                                                       

Generally, an "eligible rollover distribution" is any taxable amount you        
receive from your Contract. (In certain cases, after-tax amounts may also be    
considered eligible rollover distributions). However, it does not include       
taxable distributions such as:                                                  

..   Withdrawals made to satisfy minimum distribution requirements; or          

..   Certain withdrawals on account of financial hardship.                      

Other exceptions to the definition of eligible rollover distribution may exist. 

For taxable withdrawals that are not "eligible rollover distributions", the     
Code requires different withholding rules. The withholding amounts are          
determined at the time of payment. In certain instances, you may elect out of   
these withholding requirements. You may be subject to the 10% penalty tax if    
you withdraw taxable money before you turn age 59 1/2.                          

MINIMUM DISTRIBUTION REQUIREMENTS                                               

Generally, you must begin receiving retirement plan withdrawals by April 1 of   
the latter of:                                                                  

..   the calendar year following the year in which you reach age 70 1/2 or      

..   the calendar year following the calendar year you retire, provided you do  
not own 5% or more of your employer.                                    

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For IRAs (including SEP and SIMPLE IRAs), you must begin receiving withdrawals  
by April 1 of the calendar year following the calendar year in which you reach  
age 70 1/2 even if you have not retired.                                        

For after-death required minimum distributions ("RMD"), the five year rule is   
applied without regard to calendar year 2009 due to the 2009 RMD waiver. For    
instance, for a Contract owner who died in 2007, the five year period would end 
in 2013 instead of 2012. The RMD rules are complex, so consult with your tax    
advisor because the application of these rules to your particular circumstances 
may have been impacted by the 2009 RMD waiver.                                  

In general the amount of required minimum distribution (including death benefit 
distributions discussed below) must be calculated separately with respect to    
each 403(b) arrangement, but then the aggregate amount of the required          
distribution may be taken under the tax law from any one or more of the         
participant's several 403(b) arrangements.                                      

Otherwise, you may not satisfy minimum distributions for an employer's          
qualified plan (ie, 401(a)/403(b), 457(b)) with distributions from another      
qualified plan of the same or a different employer.                             

Complex rules apply to the calculation of these withdrawals. A tax penalty of   
50% applies to withdrawals which should have been taken but were not. It is not 
clear whether income payments under a variable annuity will satisfy these       
rules. Consult your tax adviser prior to choosing a pay-out option.             

In general, the amount of required minimum distribution (including death        
benefit distributions discussed below) must be calculated separately with       
respect to each IRA or SEP IRA and each SIMPLE IRA, but then the aggregate      
amount of the required distribution may be generally taken under the tax law    
for the IRAs/SEP IRAs from any one or more of the taxpayer's IRAs/SEP IRAs. For 
SIMPLE IRAs, the aggregate amount of the required distribution may be taken     
from any one or more of the taxpayer's SIMPLE IRAs.                             

Otherwise, you may not satisfy minimum distributions for one type of IRA or     
qualified plan with distributions from an account or annuity contract under     
another type of IRA or qualified plan (e.g. IRA and 403(b)).                    

In general, Income Tax regulations permit income payments to increase based not 
only with respect to the investment experience of the underlying funds but also 
with respect to actuarial gains. Additionally, these regulations permit         
payments under income annuities to increase due to a full withdrawal or to a    
partial withdrawal under certain circumstances.                                 

Where made available, it is not clear whether the purchase or exercise of a     
withdrawal option after the first two years under a life contingent Income      
Annuity with a guarantee period where only the remaining guaranteed payments    
are reduced due to the withdrawal will satisfy minimum distribution             
requirements. Consult your tax advisor prior to purchase.                       

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

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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).                                                       

Generally, if you die before required minimum distribution withdrawals have     
begun, we must make payment of your entire interest by December 31st of the     
year that is the fifth anniversary of your death or begin making payments over  
a period and in a manner allowed by the Code to your beneficiary by             
December 31st of the year after your death. Consult your tax advisor because    
the application of these rules to your particular circumstances may have been   
impacted by the 2009 RMD waiver (see Minimum Distribution Requirements section  
for additional information).                                                    

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. Alternatively, if your spouse is your sole       
beneficiary and the Contract is an IRA, he or she may elect to rollover the     
death proceeds into his or her own IRA (or, if you meet certain requirements, a 
Roth IRA and pay tax on the taxable portion of the death proceeds in the year   
of the rollover) and treat the IRA (or Roth IRA) as his or her own.             

If your spouse is your beneficiary, your spouse may also be able to rollover    
the death proceeds into another eligible retirement plan in which he or she     
participates, if permitted under the receiving plan.                            

Under federal tax rules, a same-sex spouse is treated as a non-spouse           
beneficiary.                                                                    

If your spouse is not your beneficiary and your contract permits, your          
beneficiary may also be able to rollover the death proceeds via a direct        
trustee-to-trustee transfer into an inherited IRA. However, such beneficiary    
may not treat the inherited IRA as his or her own IRA. Certain employer plans   
(i.e., 401(a), 403(a), 403(b), and governmental 457 plans) are required to      
permit a non-spouse direct trustee-to-trustee rollover.                         

If you die after required minimum distributions begin, payments of your entire  
balance must be made in a manner and over a period as provided by the Code (and 
any applicable regulations).                                                    

If an IRA Contract is issued in your name after your death for the benefit of   
your designated beneficiary with a purchase payment which is directly           
transferred to the Contract from another IRA or eligible retirement plan, the   
death benefit must continue to be distributed to your beneficiary's beneficiary 
in a manner at least as rapidly as the method of distribution in effect at the  
time of your beneficiary's death.                                               

TAX-SHELTERED ANNUITIES (ERISA AND NON-ERISA)                                   

GENERAL                                                                         

Tax-sheltered annuities fall under Section 403(b) of the Code ("403(b)          
arrangements"), which provides certain tax benefits to eligible employees of    
public school systems and organizations that are tax exempt under Section       
501(c)(3) of the Code. In general, contributions to Section 403(b) arrangements 
are subject to contribution limitations under Section 415(c) of the Code (the   
lesser of 100% of includable compensation or the applicable limit for the year).

On July 26, 2007, final 403(b) regulations were issued by the U.S. Treasury     
which impact how we administer your 403(b) contract. In order to satisfy the    
403(b) final regulations and prevent your contract from being subject to        
adverse tax consequences including potential penalties, contract exchanges      
after September 24, 2007 must, at a minimum, meet the following requirements:   
(1) the plan must allow the exchange, (2) the exchange must not result in a     
reduction in the participant or 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) the       
employer enters into an agreement with the issuer of the receiving contract to  
provide information to enable the contract provider to comply with Code         

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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 AND INCOME PAYMENTS                                                 

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

..   Relates to purchase payments made prior to 1989 (and pre-1989 earnings on  
those purchase payments).                                               

..   Is directly transferred to another permissible investment under Section    
403(b) arrangements;                                                    

..   Relates to amounts that are not salary reduction elective deferrals if your
plan allows it;                                                         

..   Occurs after you die, have a severance from employment or become disabled  
(as defined by the Code);                                               

..   Is for financial hardship (but only to the extent of purchase payments) if 
your plan allows it;                                                    

..   Distributions attributable to certain Tax Sheltered Annuity plan           
 terminations if the conditions of the new income tax regulations are met;

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

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

Recent income tax regulations also provide certain new restrictions on          
withdrawals of amounts from tax sheltered annuities that are not attributable   
to salary reduction contributions. Under these regulations, 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.                                      

DESIGNATED ROTH ACCOUNT FOR 403(B) PLANS                                        

Employers that established and maintain a 403(b) plan ("the Plan") may also     
establish a Qualified Roth Contribution Program under Section 402A of the Code  
("Designated Roth Accounts") to accept after tax contributions as part of the   
TSA plan. In accordance with our administrative procedures, we may permit these 
contributions to be made as purchase payments to a Section 403(b) Contract      
under the following conditions:                                                 

..   The employer maintaining the plan has demonstrated to our satisfaction that
Designated Roth Accounts are permitted under the Plan.                  

..   In accordance with our administrative procedures, the amount of elective   
 deferrals has been irrevocably designated as an after-tax contribution to
the Designated Roth Account.                                            

..   All state regulatory approvals have been obtained to permit the Contract to
   accept such after-tax elective deferral contributions (and, where permitted
 under the Qualified Roth Contribution Program and the Contract, rollovers
and trustee-to-trustee transfers from other Designated Roth Accounts).  

..   In accordance with our procedures and in a form satisfactory to us, we may 
accept rollovers from other funding vehicles under any Qualified Roth   
   Contribution Program of the same type in which the employee participates as
  well as trustee-to-trustee transfers from other funding vehicles under the
same Qualified Roth Contribution Program for which the participant is   
making elective deferral contributions to the Contract.                 

..   Recently enacted legislation allows (but does not require) 403(b) plans    
that offer designated Roth accounts to permit participants to roll their
   non-Roth account assets into a designated Roth account under the same plan,
   provided the non-Roth assets are distributable under the plan and otherwise
eligible for rollover.                                                  

..   No other contribution types (including employer contributions, matching    
contributions, etc.) will be allowed as designated Roth contributions,  
unless they become permitted under the Code.                            

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..   If permitted under the federal tax law, we may permit both pre-tax         
  contributions under a 403(b) plan as well as after-tax contributions under
 that Plan's Qualified Roth Contribution Program to be made under the same
Contract as well as rollover contributions and contributions by         
   trustee-to-trustee transfers. In such cases, we will account separately for
the designated Roth contributions and the earnings thereon from the     
   contributions and earnings made under the pre-tax TSA plan (whether made as
elective deferrals, rollover contributions or trustee-to-trustee        
transfers). As between the pre-tax or traditional Plan and the Qualified
Roth Contribution Program, we will allocate any living benefits or death
benefits provided under the Contract on a reasonable basis, as permitted
under the tax law.                                                      

..   We may refuse to accept contributions made as rollovers and                
 trustee-to-trustee transfers, unless we are furnished with a breakdown as
between participant contributions and earnings at the time of the       
contribution.                                                           

You and your employer should consult their own tax and legal advisers prior to  
making or permitting contributions to be made to a Qualified Roth Contribution  
Program.                                                                        

..   The IRS was given authority in the final Roth account regulations to issue 
additional guidance addressing the potential for improper transfers of  
  value to Roth accounts due to the allocation of contract income, expenses,
  gains and losses. The IRS has not issued the additional guidance and, as a
result, there is uncertainty regarding the status of Roth accounts and  
particularly Roth accounts under annuity contracts that allocate charges
for guarantees. You should consult your tax or legal counsel for advice 
relating to Roth accounts and other matters relating to the final Roth  
account regulations.                                                    

LOANS                                                                           

If your employer's plan and TSA Contract permit loans, such loans will be made  
only from any Fixed Interest Account balance and only up to certain limits. In  
that case, we credit your Fixed Interest Account balance up to the amount of    
the outstanding loan balance with a rate of interest that is less than the      
interest rate we charge for the loan.                                           

The Code and applicable income tax regulations limit the amount that may be     
borrowed from your Contract and all your employer plans in the aggregate and    
also require that loans be repaid, at a minimum, in scheduled level payments    
over a prescribed term.                                                         

Your employer's plan and Contract will indicate whether loans are permitted.    
The terms of the loan are governed by the Contract and loan agreement. Failure  
to satisfy loan limits under the Code or to make any scheduled payments         
according to the terms of your loan agreement and Federal tax law could have    
adverse tax consequences. Consult a tax advisor and read your loan agreement    
and Contract prior to taking any loan.                                          

INDIVIDUAL RETIREMENT ANNUITIES                                                 

IRAs: Traditional IRA, Roth IRA, SIMPLE IRA and SEPs                            

The sale of a Contract for use with an IRA may be subject to special disclosure 
requirements of the IRS. Purchasers of a Contract for use with IRAs will be     
provided with supplemental information required by the IRS or other appropriate 
agency. A Contract issued in connection with an IRA may be amended as necessary 
to conform to the requirements of the Code.                                     

IRA Contracts may not invest in life insurance. The Deferred Annuity offers     
death benefits and optional benefits that in some cases may exceed the greater  
of the purchase payments or the Account Balance which could conceivably be      
characterized as life insurance.                                                

The Roth IRA tax endorsement is based on the IRS model form 5305-RB (rev 0302). 
The Deferred Annuity (and optional death benefits and appropriate IRA tax       
endorsements) has not yet been submitted to the IRS for review and approval as  
to                                                                              

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form. Disqualification of the Deferred Annuity as an IRA could result in the    
immediate taxation of amounts held in the Contract and other adverse tax        
consequences.                                                                   

Generally, except for Roth IRAs, IRAs can accept deductible (or pre-tax)        
purchase payments. Deductible or pre-tax purchase payments will be taxed when   
distributed from the Contract.                                                  

You must be both the contract owner and the annuitant under the Contract. Your  
IRA annuity is not forfeitable and you may not transfer, assign or pledge it to 
someone else. You are not permitted to borrow from the Contract. You can        
transfer your IRA proceeds to a similar IRA, certain eligible retirement plans  
of an employer (or a SIMPLE IRA to a Traditional IRA or eligible retirement     
plan after two years of participation in your employer's SIMPLE IRA plan)       
without incurring Federal income taxes if certain conditions are satisfied.     

Consult your tax adviser prior to the purchase of the Contract as a Traditional 
IRA, Roth IRA, SIMPLE IRA or SEP.                                               

TRADITIONAL IRA ANNUITIES                                                       

PURCHASE PAYMENTS                                                               

Purchase payments (except for permissible rollovers and direct transfers) are   
generally not permitted after the calendar year in which you attain age 69 1/2. 

Except for permissible rollovers and direct transfers, purchase payments to     
Traditional and Roth IRAs for individuals under age 50 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. See the SAI    
for additional information. Also, see IRS Publication 590 available at          
www.irs.gov.                                                                    

..   Individuals age 50 or older can make an additional "catch-up" purchase     
payment (assuming the individual has sufficient compensation).          

..   If you or your spouse are an active participant in a retirement plan of an 
employer, your deductible contributions may be limited.                 

..   Purchase payments in excess of these amounts may be subject to a penalty   
tax.                                                                    

..   If contributions are being made under a SEP or a SAR-SEP plan of your      
employer, additional amounts may be contributed as permitted by the Code
and the terms of the employer's plan.                                   

..   These age and dollar limits do not apply to tax-free rollovers or transfers
from other IRAs or other eligible retirement plans.                     

..   If certain conditions are met, you can change your Traditional IRA purchase
payment to a Roth IRA before you file your income tax return (including 
filing extensions).                                                     

WITHDRAWALS AND INCOME PAYMENTS                                                 

Withdrawals (other than tax free transfers or rollovers to other individual     
retirement arrangements or eligible retirement plans) and income payments are   
included in income except for the portion that represents a return of non-      
deductible purchase payments. This portion is generally determined based on a   
ratio of all non-deductible purchase payments to the total values of all your   
Traditional IRAs. We will 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. Also see general section titled "Withdrawals" above.    

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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).                                                       

Generally, if you die before required minimum distribution withdrawals have     
begun, we must make payment of your entire interest by December 31st of the     
year that is the fifth anniversary of your death or begin making payments over  
a period and in a manner allowed by the Code to your beneficiary by December    
31st of the year after your death. Consult your tax advisor because the         
application of these rules to your particular circumstances may have been       
impacted by the 2009 RMD waiver (see Minimum Distribution Requirements section  
for additional information).                                                    

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 701/2. Alternatively, if your spouse is your             
beneficiary, he or she may elect to continue as "contract owner" of the         
Contract.                                                                       

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 or a 
spousal beneficiary's ability to continue the Contract and the living and/or    
death benefits.                                                                 

If you die after required distributions begin, payments of your entire          
remaining interest must be made in a manner and over a period as provided under 
the Code (and any applicable regulations).                                      

If the Contract is issued in your name after your death for the benefit of your 
designated beneficiary with a purchase payment which is directly transferred to 
the Contract from another IRA account or IRA annuity you owned, the death       
benefit must continue to be distributed to your beneficiary's beneficiary in a  
manner at least rapidly as the method of distribution in effect at the time of  
your beneficiary's death.                                                       

SIMPLE IRAS AND SEPS ANNUITIES                                                  

PURCHASE PAYMENTS TO SEPS.                                                      

If contributions are being made under a SEP plan of your employer, additional   
amounts may be contributed as permitted by the Code and the terms of the        
employer's plan.                                                                

Except for permissible contributions under the Code made in accordance with the 
employer's SEP plan, permissible rollovers and direct transfers, purchase       
payments to SEPs for individuals under age 50 are limited to the lesser of 100% 
of compensation or the deductible amount each year. This deductible amount is   
$5,000 in 2008 (adjusted for inflation thereafter).                             

Participants age 50 or older can make an additional "catch-up" purchase payment 
of $1,000 a year (assuming the individual has sufficient compensation).         
Purchase payments in excess of this amount may be subject to a penalty tax.     

Purchase payments (except for permissible rollovers and direct transfers) are   
generally not permitted after the calendar year in which you attain age 69 1/2. 
These age and dollar limits do not apply to tax-free rollovers or transfers.    

PURCHASE PAYMENTS TO SIMPLE IRAS                                                

The Code allows contributions up to certain limits to be made under a valid     
salary reduction agreement to a SIMPLE IRA and also allows for employer         
contributions up to certain applicable limits under the Code.                   

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The Code allows "catch up" contributions for participants age 50 and older in   
excess of these limits ($2,500 in 2008 and years thereafter unless adjusted for 
inflation).                                                                     

Transfers and rollovers from other SIMPLE IRA funding vehicles may also be      
accepted under your SIMPLE IRA Deferred Annuity.                                

Purchase payments (except for permissible rollovers and direct transfers) are   
generally not permitted after the calendar year in which you attain age 69 1/2. 
These age and dollar limits do not apply to tax-free rollovers or transfers.    

WITHDRAWALS AND INCOME PAYMENTS                                                 

Withdrawals and income payments are included in income except for the portion   
that represents a return of non-deductible purchase payments. This portion is   
generally determined based on a ratio of all non-deductible purchase payments   
to the total values of all your Traditional IRAs including SIMPLE and SEP IRAs. 

DEATH BENEFITS                                                                  

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

Generally, if you die before required minimum distribution withdrawals have     
begun, we must make payment of your entire interest by December 31st of the     
year that is the fifth anniversary of your death or begin making payments over  
a period and in a manner allowed by the Code to your beneficiary by             
December 31st of the year after your death. Consult your tax advisor because    
the application of these rules to your particular circumstances may have been   
impacted by the 2009 RMD waiver (see Minimum Distribution Requirements section  
for additional information).                                                    

If your spouse is your beneficiary, 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. Alternatively, if your spouse is your beneficiary, he or she may elect  
to continue as "owner" of the Contract and treat it as his/her own Traditional  
IRA (in the case of SEPs) or his/her own SIMPLE IRA (if so eligible, in the     
case of SIMPLE IRA). Under federal tax rules, a same-sex spouse is treated as a 
non-spouse beneficiary.                                                         

If you die after required distributions begin, payments of your entire          
remaining interest must be made in a manner and over a period as provided under 
the Code (and any applicable regulations).                                      

If the Contract is issued in your name after your death for the benefit of your 
designated beneficiary with a purchase payment which is directly transferred to 
the Contract from another IRA account or IRA annuity you owned, the death       
benefit must continue to be distributed to your beneficiary's beneficiary in a  
manner at least as rapidly as the method of distribution in effect at the time  
of your beneficiary's death.                                                    

457(B) PLANS                                                                    

GENERAL                                                                         

457(b) plans are available to state or local governments and certain tax-exempt 
organizations as described in Section 457(b) and 457(e)(1) of the Code. The     
plans are not available for churches and qualified church-controlled            
organizations.                                                                  

457(b) annuities maintained by a state or local government are for the          
exclusive benefit of plan participants and their beneficiaries. 457(b)          
annuities other than those maintained by state or local governments are solely  
the property of the employer and are subject to the claims of the employer's    
general creditors until they are "made available" to you.                       

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Recently enacted legislation allows (but does not require) governmental 457(b)  
plans to permit participants to make designated Roth contributions to a         
designated Roth account under the plan. This new legislation also allows (but   
does not require) such plans to permit participants to roll their non-Roth      
account assets into a designated Roth account under the same plan, provided the 
non-Roth assets are distributable under the plan and otherwise eligible for     
rollover.                                                                       

WITHDRAWALS                                                                     

Generally, because contributions are on a before-tax basis, withdrawals from    
your annuity are subject to income tax. Generally, monies in your Contract can  
not be "made available" to you until you reach age 70 1/2, leave your job (or   
your employer changes) or have an unforeseen emergency (as defined by the Code).

SPECIAL RULES                                                                   

Special rules apply to certain non-governmental 457(b) plans deferring          
compensation from taxable years beginning before January 1, 1987 (or beginning  
later but based on an agreement in writing on August 16, 1986).                 

LOANS                                                                           

In the case of a 457(b) plan maintained by a state or local government, the     
plan may permit loans. The Code and applicable income tax regulations limit the 
amount that may be borrowed from your 457(b) plan and all employer plans in the 
aggregate and also require that loans be repaid, at minimum, in scheduled level 
payments over a certain term.                                                   

Your 457(b) plan will indicate whether plan loans are permitted. The terms of   
the loan are governed by your loan agreement with the plan. Failure to satisfy  
loan limits under the Code or to make any scheduled payments according to the   
terms of your loan agreement and Federal tax law could have adverse tax         
consequences. Consult a tax advisor and read your loan agreement and Contract   
prior to taking any loan.                                                       

403(A)                                                                          

GENERAL                                                                         

The employer adopts a 403(a) plan as a qualified retirement plan to provide     
benefits to participating employees. The plan generally works in a similar      
manner to a corporate qualified retirement plan except that the 403(a) plan     
does not have a trust or a trustee.                                             

See the "General" headings under Income Taxes for a brief description of the    
tax rules that apply to 403(a) annuities.                                       

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LEGAL PROCEEDINGS                                                               

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

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TABLE OF CONTENTS FOR THE STATEMENT                                             

OF ADDITIONAL INFORMATION                                                       

                                                        [Enlarge/Download Table]

                                                                                 PAGE
                                                                                     

INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM...................................   2 

PRINCIPAL UNDERWRITER...........................................................   2 

DISTRIBUTION AND PRINCIPAL UNDERWRITING AGREEMENT...............................   2 

EXPERIENCE FACTOR...............................................................   3 

VARIABLE INCOME PAYMENTS........................................................   3 

CALCULATING THE ANNUITY UNIT VALUE..............................................   5 

ADVERTISEMENT OF THE SEPARATE ACCOUNT...........................................   6 

VOTING RIGHTS...................................................................   9 

ERISA...........................................................................  10 

TAXES...........................................................................  11 

WITHDRAWALS.....................................................................  12 

ACCUMULATION UNIT VALUES TABLES.................................................  13 

FINANCIAL STATEMENTS OF THE SEPARATE ACCOUNT....................................   1 

FINANCIAL STATEMENTS OF METLIFE................................................. F-1 

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APPENDIX I                                                                      

PREMIUM TAX TABLE                                                               

If you are a resident of one of the following jurisdictions, the percentage     
amount listed by that jurisdiction is the premium tax rate applicable to your   
annuity.                                                                        

                                                                [Download Table]


                   TSA                                       
                   and TSA                                   
                   ERISA     IRA and SEP  457(b)    403(a)   
                   Annuities Annuities(1) Annuities Annuities
                                                             
California........ 0.5%      0.5%         2.35%     0.5%     
Florida(2)........ 1.0%      1.0%         1.0%      1.0%     
Maine............. --        --           2.00%     --       
Nevada............ --        --           3.50%     --       
Puerto Rico(3).... 1.0%      1.0%         1.0%      1.0%     
South Dakola(4)... --        --           1.25%     --       
Wyoming........... --        --           1.00%     --       
West Virginia..... 1.0%      1.0%         1.0%      1.0%     

-----------                                                                     
/1/Premium tax rates applicable to IRA and SEP annuities purchased for use in   
connection with individual retirement trust or custodial accounts meeting 
  the requirements of Section 408(a) of the Code are included under the column
heading "IRA and SEP Annuities."                                          

/2/Annuity premiums are exempt from taxation provided the tax savings are       
passed back to the contract holders. Otherwise, they are taxable at 1%.   
[MetLife passes the tax savings back to contractholders and, therefore,   
annuity premiums are exempt from taxation.]                               

/3/We will not deduct premium taxes paid by us to Puerto Rico from purchase     
 payments, account balances, withdrawals, death benefits or income payments.

/4/Special rate applies for large case annuity policies. Rate is 8/100 of 1%    
for that portion of the annuity considerations received on a contract     
exceeding $500,000 annually. Special rate on large case policies is not   
subject to retaliation.                                                   

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APPENDIX II                                                                     

WHAT YOU NEED TO KNOW IF YOU ARE A TEXAS OPTIONAL RETIREMENT PROGRAM PARTICIPANT

If you are a participant in the Texas Optional Retirement Program, Texas law    
permits us to make withdrawals on your behalf only if you die, retire or        
terminate employment in all Texas institutions of higher education, as defined  
under Texas law. Any withdrawal you ask for requires a written statement from   
the appropriate Texas institution of higher education verifying your vesting    
status and (if applicable) termination of employment. Also, we require a        
written statement from you that you are not transferring employment to another  
Texas institution of higher education. If you retire or terminate employment in 
all Texas institutions of higher education or die before being vested, amounts  
provided by the state's matching contribution will be refunded to the           
appropriate Texas institution. We may change these restrictions or add others   
without your consent to the extent necessary to maintain compliance with the    
law.                                                                            

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APPENDIX III                                                                    

ACCUMULATION UNIT VALUES FOR EACH INVESTMENT DIVISION                           

These tables show fluctuations in the Accumulation Unit Values for two of the   
possible mixes offered within the Deferred Annuity for each investment division 
from year end to year end. The information in these tables has been derived     
from the Separate Account's full financial statements or other reports (such as 
the annual report). The first table shows the Deferred Annuity mix that bears   
the total highest charge, and the second table shows the Deferred Annuity mix   
that bears the total lowest charge. The mix with the total highest charge has   
these features: C Class, the Annual Step-Up Death Benefit and the Lifetime      
Withdrawal Guarantee Benefit. (In terms of the calculation for this mix, the    
Lifetime Withdrawal Guarantee Benefit charge is made by canceling accumulation  
units and, therefore, the charge is not reflected in the Accumulation Unit      
Value. However, purchasing this option with these other contract features will  
result in the highest overall charge.) Lower charges for the Guaranteed Minimum 
Income Benefit and the Lifetime Withdrawal Guarantee Benefit were in effect     
prior to May 4, 2009. The mix with the total lowest charge has these features:  
B Class and no optional benefit. All other possible mixes for each investment   
division within the Deferred Annuity appear in the SAI, which is available upon 
request without charge by calling 1-800-638-7732.                               

METLIFE FINANCIAL FREEDOM SELECT  
HIGHEST POSSIBLE MIX  
1.55 SEPARATE ACCOUNT CHARGE  

                                                        [Enlarge/Download Table]

                                                                       Beginning of               Number of  
                                                                           Year     End of Year  Accumulation
                                                                       Accumulation Accumulation Units End of
Investment Division                                               Year  Unit Value   Unit Value      Year    
-------------------                                               ---- ------------ ------------ ------------
                                                                                                             
American Funds Balanced Allocation Investment Division (Class                                                
  C)/(i)/........................................................ 2008   $ 10.00      $  7.00          0.00  
                                                                  2009      7.00         8.92          0.00  
                                                                  2010      8.92         9.85          0.00  

American Funds Bond Investment Division (Class 2)/(f)(j)/........ 2006     14.30        14.97          0.00  
                                                                  2007     14.97        15.19        626.21  
                                                                  2008     15.19        13.52        621.58  
                                                                  2009     13.52        14.95      1,770.41  
                                                                  2010     14.95        15.63      2,530.41  

American Funds Global Small Capitalization Investment Division                                               
  (Class 2)/(a)(j)/.............................................. 2002     11.95        10.61          0.00  
                                                                  2003     10.61        16.00         21.45  
                                                                  2004     16.00        19.00        738.73  
                                                                  2005     19.00        23.39        912.70  
                                                                  2006     23.39        28.50        981.29  
                                                                  2007     28.50        33.99        900.95  
                                                                  2008     33.99        15.51        868.13  
                                                                  2009     15.51        24.58      3,421.52  
                                                                  2010     24.58        29.55      3,407.48  

American Funds Growth Allocation Investment Division (Class                                                  
  C)/(i)/........................................................ 2008      9.99         6.35          0.00  
                                                                  2009      6.35         8.38         30.87  
                                                                  2010      8.38         9.37        371.52  

American Funds Growth Investment Division (Class 2)/(a)(j)/...... 2002     82.24        79.31          0.00  
                                                                  2003     79.31       106.57          4.38  
                                                                  2004    106.57       117.74         99.26  
                                                                  2005    117.74       134.37        132.81  
                                                                  2006    134.37       145.47        178.10  
                                                                  2007    145.47       160.50        231.02  
                                                                  2008    160.50        88.31        455.68  
                                                                  2009     88.31       120.92        465.36  
                                                                  2010    120.92       140.96        622.86  

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                                                                           Year     End of Year  Accumulation
                                                                       Accumulation Accumulation Units End of
Investment Division                                               Year  Unit Value   Unit Value      Year    
-------------------                                               ---- ------------ ------------ ------------
                                                                                                             
American Funds Growth-Income Investment Division (Class                                                      
  2)/(a)(j)/..................................................... 2002   $ 68.03      $ 63.76          0.00  
                                                                  2003     63.76        82.93         17.28  
                                                                  2004     82.93        89.90        211.73  
                                                                  2005     89.90        93.45        368.52  
                                                                  2006     93.45       105.74        647.76  
                                                                  2007    105.74       109.08        593.98  
                                                                  2008    109.08        66.58        497.01  
                                                                  2009     66.58        85.82        548.75  
                                                                  2010     85.82        93.93        513.38  

American Funds Moderate Allocation Investment Division (Class                                                
  C)/(i)/........................................................ 2008     10.01         7.68          0.00  
                                                                  2009      7.68         9.33          0.00  
                                                                  2010      9.33        10.09         30.47  

Barclays Capital Aggregate Bond Index Investment                                                             
  Division (formerly Lehman Brothers(R) Aggregate Bond Index                                                 
  Investment Division)/(a)/...................................... 2002     11.65        12.16          0.00  
                                                                  2003     12.16        12.38        895.64  
                                                                  2004     12.38        12.65      2,945.36  
                                                                  2005     12.65        12.69      5,824.53  
                                                                  2006     12.69        12.97      8,260.35  
                                                                  2007     12.97        13.62      4,624.05  
                                                                  2008     13.62        14.17      4,179.79  
                                                                  2009     14.17        14.64      5,554.77  
                                                                  2010     14.64        15.24      4,078.10  

BlackRock Bond Income Investment Division/(a)/................... 2002     39.28        40.74          0.00  
                                                                  2003     40.74        42.35          4.06  
                                                                  2004     42.35        43.44        158.65  
                                                                  2005     43.44        43.69        247.49  
                                                                  2006     43.69        44.80        474.85  
                                                                  2007     44.80        46.77        598.32  
                                                                  2008     46.77        44.36        490.78  
                                                                  2009     44.36        47.69        766.39  
                                                                  2010     47.69        50.74        808.72  

BlackRock Large Cap Core Investment Division*/(g)/............... 2007     75.35        75.92          2.46  
                                                                  2008     75.92        46.86          2.36  
                                                                  2009     46.86        55.00          3.29  
                                                                  2010     55.00        60.90          7.70  

BlackRock Large Cap Investment Division (formerly BlackRock                                                  
  Investment Trust Investment Division)/(a)(g)/.................. 2002     48.19        45.64          0.00  
                                                                  2003     45.64        58.38          0.00  
                                                                  2004     58.38        63.57          2.76  
                                                                  2005     63.57        64.67          2.64  
                                                                  2006     64.67        72.49          2.55  
                                                                  2007     72.49        75.99          0.00  

BlackRock Large Cap Value Investment Division/(a)/............... 2002      8.60         7.90          0.00  
                                                                  2003      7.90        10.53          0.00  
                                                                  2004     10.53        11.74        194.35  
                                                                  2005     11.74        12.20        194.35  
                                                                  2006     12.20        14.32        464.48  
                                                                  2007     14.32        14.54        482.55  
                                                                  2008     14.54         9.29        743.82  
                                                                  2009      9.29        10.15      2,479.51  
                                                                  2010     10.15        10.89      3,379.69  

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                                                                           Year     End of Year  Accumulation
                                                                       Accumulation Accumulation Units End of
Investment Division                                               Year  Unit Value   Unit Value      Year    
-------------------                                               ---- ------------ ------------ ------------
                                                                                                             
BlackRock Legacy Large Cap Growth Investment Division/(a)/....... 2002    $20.14       $17.58          0.00  
                                                                  2003     17.58        23.41          0.00  
                                                                  2004     23.41        25.03          0.00  
                                                                  2005     25.03        26.31          0.00  
                                                                  2006     26.31        26.91          0.00  
                                                                  2007     26.91        31.38          0.00  
                                                                  2008     31.38        19.56         94.31  
                                                                  2009     19.56        26.29        350.20  
                                                                  2010     26.29        30.92        291.39  

BlackRock Legacy Large Cap Growth Investment Division (formerly                                              
  FI Large Cap Investment Division)/(k)/......................... 2006     16.84        17.02          0.00  
                                                                  2007     17.02        17.38          0.00  
                                                                  2008     17.38         9.42         81.56  
                                                                  2009      9.42         9.81          0.00  

BlackRock Money Market Investment Division/(b)/.................. 2003     21.52        21.37          0.00  
                                                                  2004     21.37        21.20          0.00  
                                                                  2005     21.20        21.42          0.00  
                                                                  2006     21.42        22.05          0.00  
                                                                  2007     22.05        22.76          0.00  
                                                                  2008     22.76        22.99          0.00  
                                                                  2009     22.99        22.69          0.00  
                                                                  2010     22.69        22.34          0.00  

Calvert VP SRI Balanced Investment Division (formerly Calvert                                                
  Social Balanced Investment Division/(a)/)...................... 2002     17.05        16.70          0.00  
                                                                  2003     16.70        19.63         64.25  
                                                                  2004     19.63        20.92        174.62  
                                                                  2005     20.92        21.76        293.02  
                                                                  2006     21.76        23.31        479.23  
                                                                  2007     23.31        23.58        470.09  
                                                                  2008     23.58        15.94        492.59  
                                                                  2009     15.94        19.67        637.61  
                                                                  2010     19.67        21.71        653.12  

Clarion Global Real Estate Investment Division/(d)/.............. 2004      9.99        12.82        102.93  
                                                                  2005     12.82        14.30        228.85  
                                                                  2006     14.30        19.37      1,068.24  
                                                                  2007     19.37        16.21      1,396.48  
                                                                  2008     16.21         9.31        504.24  
                                                                  2009      9.31        12.35        750.22  
                                                                  2010     12.35        14.11        828.35  

Davis Venture Value Investment Division/(a)/..................... 2002     21.94        21.34          0.00  
                                                                  2003     21.34        27.47          8.16  
                                                                  2004     27.47        30.28         53.71  
                                                                  2005     30.28        32.80        360.51  
                                                                  2006     32.80        36.92      1,253.80  
                                                                  2007     36.92        37.93      1,487.63  
                                                                  2008     37.93        22.58      1,289.76  
                                                                  2009     22.58        29.27      2,136.45  
                                                                  2010     29.27        32.20      2,510.37  

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                                                                           Year     End of Year  Accumulation
                                                                       Accumulation Accumulation Units End of
Investment Division                                               Year  Unit Value   Unit Value      Year    
-------------------                                               ---- ------------ ------------ ------------
                                                                                                             
FI Value Leaders Investment Division/(a)/........................ 2002   $ 19.24      $ 18.26          0.00  
                                                                  2003     18.26        22.81          0.00  
                                                                  2004     22.81        25.50          0.00  
                                                                  2005     25.50        27.73         62.14  
                                                                  2006     27.73        30.49        241.29  
                                                                  2007     30.49        31.20        302.83  
                                                                  2008     31.20        18.71        261.76  
                                                                  2009     18.71        22.38        288.90  
                                                                  2010     22.38        25.18        308.19  

Harris Oakmark International Investment Division/(a)/............ 2002      9.88         8.81          0.00  
                                                                  2003      8.81        11.71         35.81  
                                                                  2004     11.71        13.90        194.72  
                                                                  2005     13.90        15.63        294.09  
                                                                  2006     15.63        19.83        322.96  
                                                                  2007     19.83        19.31      3,918.25  
                                                                  2008     19.31        11.24        831.83  
                                                                  2009     11.24        17.16      1,358.69  
                                                                  2010     17.16        19.67      1,730.46  

Invesco Small Cap Growth Investment Division (formerly Met/AIM                                               
  Small Cap Growth Investment Division/(a)/)..................... 2002      8.90         8.45          0.00  
                                                                  2003      8.45        11.56          0.00  
                                                                  2004     11.56        12.11          0.00  
                                                                  2005     12.11        12.91          0.00  
                                                                  2006     12.91        14.52          0.00  
                                                                  2007     14.52        15.88          0.00  
                                                                  2008     15.88         9.58          0.00  
                                                                  2009      9.58        12.62         20.04  
                                                                  2010     12.62        15.68         44.19  

Janus Forty Investment Division/(h)/............................. 2007    140.44       172.11          0.00  
                                                                  2008    172.11        98.28          5.48  
                                                                  2009     98.28       138.25        289.52  
                                                                  2010    138.25       148.91        261.19  

Lazard Mid Cap Investment Division/(a)/.......................... 2002      9.97         9.64          0.00  
                                                                  2003      9.64        11.98         33.34  
                                                                  2004     11.98        13.50         97.27  
                                                                  2005     13.50        14.36        145.98  
                                                                  2006     14.36        16.22          8.38  
                                                                  2007     16.22        15.53          0.02  
                                                                  2008     15.53         9.43         23.36  
                                                                  2009      9.43        12.70         39.18  
                                                                  2010     12.70        15.37         51.65  

Loomis Sayles Small Cap Core Investment Division (formerly                                                   
  Loomis Sayles Small Cap Investment Divisions)/(a)/............. 2002     18.62        16.98          0.00  
                                                                  2003     16.98        22.81          0.00  
                                                                  2004     22.81        26.11          7.96  
                                                                  2005     26.11        27.43         28.32  
                                                                  2006     27.43        31.43          9.04  
                                                                  2007     31.43        34.55         13.95  
                                                                  2008     34.55        21.75          6.81  
                                                                  2009     21.75        27.82          6.61  
                                                                  2010     27.82        34.85          6.54  

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                                                                           Year     End of Year  Accumulation
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Investment Division                                               Year  Unit Value   Unit Value      Year    
-------------------                                               ---- ------------ ------------ ------------
                                                                                                             
Loomis Sayles Small Cap Growth Investment Division (formerly                                                 
  Franklin Templeton Small Cap Growth Investment Division)/(a)/.. 2002    $ 6.72       $ 6.22          0.00  
                                                                  2003      6.22         8.86          2.97  
                                                                  2004      8.86         9.70          9.99  
                                                                  2005      9.70         9.97         49.72  
                                                                  2006      9.97        10.77         70.35  
                                                                  2007     10.77        11.06        108.16  
                                                                  2008     11.06         6.39        203.06  
                                                                  2009      6.39         8.16        257.60  
                                                                  2010      8.16        10.55        279.64  

Lord Abbett Bond Debenture Investment Division/(a)/.............. 2002     13.14        13.42          0.00  
                                                                  2003     13.42        15.75          9.98  
                                                                  2004     15.75        16.77        267.56  
                                                                  2005     16.77        16.76        476.24  
                                                                  2006     16.76        18.01        549.63  
                                                                  2007     18.01        18.90        605.15  
                                                                  2008     18.90        15.14        611.17  
                                                                  2009     15.14        20.40        840.58  
                                                                  2010     20.40        22.69        778.23  

Met/Artisan Mid Cap Value Investment Division (formerly Harris                                               
  Oakmark Focused Value Investment Division)/(a)/................ 2002     22.20        22.83          0.00  
                                                                  2003     22.83        29.75          3.50  
                                                                  2004     29.75        32.11        110.98  
                                                                  2005     32.11        34.69        177.17  
                                                                  2006     34.69        38.32        411.79  
                                                                  2007     38.32        35.06      1,056.10  
                                                                  2008     35.06        18.59         25.41  
                                                                  2009     18.59        25.85         84.98  
                                                                  2010     25.85        29.21        135.51  

Met/Franklin Income Investment Division/(i)/..................... 2008      9.99         7.97          0.00  
                                                                  2009      7.97        10.04          0.00  
                                                                  2010     10.04        11.05          0.00  

Met/Franklin Mutual Shares Investment Division/(i)/.............. 2008      9.99         6.59          0.00  
                                                                  2009      6.59         8.10          0.00  
                                                                  2010      8.10         8.86          0.00  

Met/Franklin Templeton Founding Strategy Investment Division/(i)/ 2008      9.99         7.02          0.00  
                                                                  2009      7.02         8.89        714.78  
                                                                  2010      8.89         9.63      1,091.65  

Met/Templeton Growth Investment Division/(i)/.................... 2008      9.99         6.56          0.00  
                                                                  2009      6.56         8.56          0.00  
                                                                  2010      8.56         9.08         19.41  

MetLife Mid Cap Stock Index Investment Division/(a)/............. 2002      8.92         8.58          0.00  
                                                                  2003      8.58        11.37        132.11  
                                                                  2004     11.37        12.96        552.05  
                                                                  2005     12.96        14.29        829.97  
                                                                  2006     14.29        15.46        593.70  
                                                                  2007     15.46        16.36        768.06  
                                                                  2008     16.36        10.25      2,071.59  
                                                                  2009     10.25        13.80      2,810.13  
                                                                  2010     13.80        17.13      2,949.46  

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                                                                           Year     End of Year  Accumulation
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Investment Division                                               Year  Unit Value   Unit Value      Year    
-------------------                                               ---- ------------ ------------ ------------
                                                                                                             
MetLife Stock Index Investment Division/(a)/..................... 2002    $27.57       $26.29          0.00  
                                                                  2003     26.29        33.10        107.72  
                                                                  2004     33.10        35.94      1,158.16  
                                                                  2005     35.94        36.94      2,626.84  
                                                                  2006     36.94        41.90      2,222.83  
                                                                  2007     41.90        43.30      2,747.51  
                                                                  2008     43.30        26.75      3,562.19  
                                                                  2009     26.75        33.16      5,137.73  
                                                                  2010     33.16        37.38      4,837.03  

MFS(R) Research International Investment Division/(a)/........... 2002      7.78         7.26          0.00  
                                                                  2003      7.26         9.45         18.59  
                                                                  2004      9.45        11.12          5.33  
                                                                  2005     11.12        12.75        141.50  
                                                                  2006     12.75        15.89        350.25  
                                                                  2007     15.89        17.72        458.13  
                                                                  2008     17.72        10.06        531.84  
                                                                  2009     10.06        13.03        586.86  
                                                                  2010     13.03        14.29      1,135.26  

MFS(R) Total Return Investment Division/(a)/..................... 2002     31.25        30.99          0.00  
                                                                  2003     30.99        35.62          0.00  
                                                                  2004     35.62        38.93          2.34  
                                                                  2005     38.93        39.42          2.43  
                                                                  2006     39.42        43.45         81.70  
                                                                  2007     43.45        44.54         92.01  
                                                                  2008     44.54        34.05        105.08  
                                                                  2009     34.05        39.66        110.53  
                                                                  2010     39.66        42.88         30.19  

MFS(R) Value Investment Division/(a)/............................ 2002      9.95         9.61          0.00  
                                                                  2003      9.61        11.85          0.00  
                                                                  2004     11.85        12.97        352.34  
                                                                  2005     12.97        12.56      1,395.69  
                                                                  2006     12.56        14.57      2,347.73  
                                                                  2007     14.57        13.77      4,120.76  
                                                                  2008     13.77         8.99        237.00  
                                                                  2009      8.99        10.67        163.16  
                                                                  2010     10.67        11.68        169.12  

Morgan Stanley EAFE(R) Index Investment Division/(a)/............ 2002      7.82         6.94          0.00  
                                                                  2003      6.94         9.38        186.74  
                                                                  2004      9.38        11.01        929.69  
                                                                  2005     11.01        12.25      1,842.55  
                                                                  2006     12.25        15.13      1,524.97  
                                                                  2007     15.13        16.47      2,193.59  
                                                                  2008     16.47         9.37      3,646.15  
                                                                  2009      9.37        11.83      3,509.44  
                                                                  2010     11.83        12.57      3,450.31  

Morgan Stanley Mid Cap Growth Investment Division/(l)/........... 2010     12.62        14.64        387.82  

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                                                                           Year     End of Year  Accumulation
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Investment Division                                               Year  Unit Value   Unit Value      Year    
-------------------                                               ---- ------------ ------------ ------------
                                                                                                             
Morgan Stanley Mid Cap Growth Investment Division (formerly FI                                               
  Mid Cap Opportunities Investment Division)/(a)(c)/............. 2002    $11.13       $10.72          0.00  
                                                                  2003     10.72        14.17          0.00  
                                                                  2004     14.17        16.30         73.37  
                                                                  2005     16.30        17.12         88.39  
                                                                  2006     17.12        18.81         80.96  
                                                                  2007     18.81        20.02        100.36  
                                                                  2008     20.02         8.78        203.37  
                                                                  2009      8.78        11.55        273.99  
                                                                  2010     11.55        12.49          0.00  

Neuberger Berman Genesis Investment Division (formerly BlackRock                                             
  Strategic Value Investment Division)/(a)/...................... 2002     12.70        10.77          0.00  
                                                                  2003     10.77        15.89         14.56  
                                                                  2004     15.89        18.00        307.94  
                                                                  2005     18.00        18.42        630.26  
                                                                  2006     18.42        21.12      1,213.55  
                                                                  2007     21.12        20.02      1,339.97  
                                                                  2008     20.02        12.11      1,390.72  
                                                                  2009     12.11        13.45      1,827.11  
                                                                  2010     13.45        16.08      1,756.43  

Neuberger Berman Mid Cap Value Investment Division/(a)/.......... 2002     13.89        13.24          0.00  
                                                                  2003     13.24        17.76         12.87  
                                                                  2004     17.76        21.45        142.69  
                                                                  2005     21.45        23.64        718.13  
                                                                  2006     23.64        25.88      1,292.71  
                                                                  2007     25.88        26.30      1,764.93  
                                                                  2008     26.30        13.60      2,016.60  
                                                                  2009     13.60        19.78      2,600.28  
                                                                  2010     19.78        24.55      2,874.85  

Oppenheimer Capital Appreciation Investment Division/(a)/........ 2002      6.52         6.26          0.00  
                                                                  2003      6.26         7.93          0.00  
                                                                  2004      7.93         8.30          0.00  
                                                                  2005      8.30         8.56          0.00  
                                                                  2006      8.56         9.07         33.40  
                                                                  2007      9.07        10.21         40.56  
                                                                  2008     10.21         5.43      1,163.27  
                                                                  2009      5.43         7.69      1,599.59  
                                                                  2010      7.69         8.28      1,231.87  

PIMCO Inflation Protected Bond Investment Division/(f)/.......... 2006     10.94        11.04          0.00  
                                                                  2007     11.04        12.04          0.00  
                                                                  2008     12.04        11.04        431.09  
                                                                  2009     11.04        12.83        679.70  
                                                                  2010     12.83        13.61      1,033.07  

PIMCO Total Return Investment Division/(a)/...................... 2002     10.89        11.32          0.00  
                                                                  2003     11.32        11.63        532.41  
                                                                  2004     11.63        12.02      1,107.10  
                                                                  2005     12.02        12.10        398.28  
                                                                  2006     12.10        12.45        661.52  
                                                                  2007     12.45        13.19        497.47  
                                                                  2008     13.19        13.04        667.35  
                                                                  2009     13.04        15.15      1,923.24  
                                                                  2010     15.15        16.14      3,809.42  

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                                                                           Year     End of Year  Accumulation
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Investment Division                                               Year  Unit Value   Unit Value      Year    
-------------------                                               ---- ------------ ------------ ------------
                                                                                                             
RCM Technology Investment Division/(a)/.......................... 2002    $ 3.66       $ 2.95          0.00  
                                                                  2003      2.95         4.58          0.00  
                                                                  2004      4.58         4.31         29.00  
                                                                  2005      4.31         4.71        134.50  
                                                                  2006      4.71         4.89         27.68  
                                                                  2007      4.89         6.33          0.00  
                                                                  2008      6.33         3.46        155.02  
                                                                  2009      3.46         5.42        217.36  
                                                                  2010      5.42         6.81        267.75  

Russell 2000(R) Index Investment Division/(a)/................... 2002      9.95         9.21          0.00  
                                                                  2003      9.21        13.22         86.60  
                                                                  2004     13.22        15.28        343.81  
                                                                  2005     15.28        15.69        488.80  
                                                                  2006     15.69        18.17        363.46  
                                                                  2007     18.17        17.58      2,152.25  
                                                                  2008     17.58        11.48        768.81  
                                                                  2009     11.48        14.20      1,274.25  
                                                                  2010     14.20        17.70      1,649.26  

SSgA Growth ETF Investment Division (formerly Cyclical Growth                                                
  ETF Investment Division)/(f)/.................................. 2006     10.69        11.39          0.00  
                                                                  2007     11.39        11.84          0.00  
                                                                  2008     11.84         7.81          0.00  
                                                                  2009      7.81         9.94          0.00  
                                                                  2010      9.94        11.17          0.00  

SSgA Growth and Income ETF Investment Division (formerly                                                     
  Cyclical Growth and Income ETF Investment Division)/(f)/....... 2006     10.50        11.14          0.00  
                                                                  2007     11.14        11.56          0.00  
                                                                  2008     11.56         8.52          0.00  
                                                                  2009      8.52        10.48          0.00  
                                                                  2010     10.48        11.59          0.00  

T. Rowe Price Large Cap Growth Investment Division/(a)/.......... 2002      8.85         8.62          0.00  
                                                                  2003      8.62        11.09          0.00  
                                                                  2004     11.09        11.98          0.00  
                                                                  2005     11.98        12.55          0.00  
                                                                  2006     12.55        13.95         44.03  
                                                                  2007     13.95        14.99      1,825.84  
                                                                  2008     14.99         8.56        124.25  
                                                                  2009      8.56        12.05        150.18  
                                                                  2010     12.05        13.86        519.11  

T. Rowe Price Mid Cap Growth Investment Division/(a)/............ 2002      4.82         4.53          0.00  
                                                                  2003      4.53         6.09          0.00  
                                                                  2004      6.09         7.07        169.28  
                                                                  2005      7.07         7.98        604.86  
                                                                  2006      7.98         8.34      1,203.35  
                                                                  2007      8.34         9.66      4,123.98  
                                                                  2008      9.66         5.73        724.25  
                                                                  2009      5.73         8.21      1,303.86  
                                                                  2010      8.21        10.32      1,557.72  

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                                                                       Beginning of               Number of  
                                                                           Year     End of Year  Accumulation
                                                                       Accumulation Accumulation Units End of
Investment Division                                               Year  Unit Value   Unit Value      Year    
-------------------                                               ---- ------------ ------------ ------------
                                                                                                             
T. Rowe Price Small Cap Growth Investment Division/(a)/.......... 2002    $ 8.79       $ 8.60          0.00  
                                                                  2003      8.60        11.93         20.78  
                                                                  2004     11.93        13.04         54.91  
                                                                  2005     13.04        14.22         62.70  
                                                                  2006     14.22        14.51         47.00  
                                                                  2007     14.51        15.64         47.09  
                                                                  2008     15.64         9.81         10.18  
                                                                  2009      9.81        13.39        558.00  
                                                                  2010     13.39        17.75         36.81  

Third Avenue Small Cap Value Investment Division/(a)/............ 2002      9.02         8.22          0.00  
                                                                  2003      8.22        11.45          0.00  
                                                                  2004     11.45        14.26         54.51  
                                                                  2005     14.26        16.21         71.09  
                                                                  2006     16.21        18.06         50.17  
                                                                  2007     18.06        17.25         57.46  
                                                                  2008     17.25        11.91         89.54  
                                                                  2009     11.91        14.84        103.36  
                                                                  2010     14.84        17.51        105.41  

Western Asset Management Strategic Bond Opportunities Investment                                             
  Division/(a)/.................................................. 2002     15.87        16.78          0.00  
                                                                  2003     16.78        18.61          0.00  
                                                                  2004     18.61        19.47        233.67  
                                                                  2005     19.47        19.67        395.15  
                                                                  2006     19.67        20.30        654.64  
                                                                  2007     20.30        20.73        816.42  
                                                                  2008     20.73        17.30        694.32  
                                                                  2009     17.30        22.47      1,368.67  
                                                                  2010     22.47        24.88      1,762.86  

Western Asset Management U.S. Government Investment Division/(a)/ 2002     14.92        15.36          0.00  
                                                                  2003     15.36        15.37        784.08  
                                                                  2004     15.37        15.54      1,320.26  
                                                                  2005     15.54        15.52        196.37  
                                                                  2006     15.52        15.88        718.72  
                                                                  2007     15.88        16.26        934.00  
                                                                  2008     16.26        15.93        830.02  
                                                                  2009     15.93        16.32        983.78  
                                                                  2010     16.32        16.96      1,117.28  

MetLife Aggressive Allocation Investment Division/(e)/........... 2005      9.99        11.13          0.00  
                                                                  2006     11.13        12.68          0.00  
                                                                  2007     12.68        12.89          0.00  
                                                                  2008     12.89         7.56          0.00  
                                                                  2009      7.56         9.79      3,054.68  
                                                                  2010      9.79        11.15      3,048.17  

MetLife Conservative Allocation Investment Division/(e)/......... 2005      9.99        10.28          0.00  
                                                                  2006     10.28        10.82          0.00  
                                                                  2007     10.82        11.25          0.00  
                                                                  2008     11.25         9.48          0.00  
                                                                  2009      9.48        11.25        970.27  
                                                                  2010     11.25        12.20      1,916.09  

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                                                                           Year     End of Year  Accumulation
                                                                       Accumulation Accumulation Units End of
Investment Division                                               Year  Unit Value   Unit Value      Year    
-------------------                                               ---- ------------ ------------ ------------
                                                                                                             
MetLife Conservative to Moderate Allocation Investment                                                       
  Division/(e)/.................................................. 2005    $ 9.99       $10.50          0.00  
                                                                  2006     10.50        11.32          0.00  
                                                                  2007     11.32        11.68          0.00  
                                                                  2008     11.68         9.01          0.00  
                                                                  2009      9.01        10.98        445.93  
                                                                  2010     10.98        12.05      1,032.41  

MetLife Moderate Allocation Investment Division/(e)/............. 2005      9.99        10.73      1,006.34  
                                                                  2006     10.73        11.82      3,215.90  
                                                                  2007     11.82        12.14     10,567.10  
                                                                  2008     12.14         8.53     14,709.62  
                                                                  2009      8.53        10.63     16,604.39  
                                                                  2010     10.63        11.84     28,653.60  

MetLife Moderate to Aggressive Allocation Investment                                                         
  Division/(e)/.................................................. 2005      9.99        10.96          0.00  
                                                                  2006     10.96        12.32          0.00  
                                                                  2007     12.32        12.60      2,154.57  
                                                                  2008     12.60         8.05      2,468.55  
                                                                  2009      8.05        10.23      3,196.22  
                                                                  2010     10.23        11.56      5,528.75  

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METLIFE FINANCIAL FREEDOM SELECT  
LOWEST POSSIBLE MIX 
1.15 SEPARATE ACCOUNT CHARGE  

                                                        [Enlarge/Download Table]

                                                                                       Beginning of               Number of  
                                                                                           Year     End of Year  Accumulation
                                                                                       Accumulation Accumulation Units End of
Investment Division                                                               Year  Unit Value   Unit Value      Year    
-------------------                                                               ---- ------------ ------------ ------------
                                                                                                                             
American Funds Balanced Allocation Investment Division (Class C)/(i)/............ 2008   $ 10.00      $  7.02      121,674.19
                                                                                  2009      7.02         8.98      556,856.55
                                                                                  2010      8.98         9.96    1,051,071.36

American Funds Bond Investment Division (Class 2)/(f)(j)/........................ 2006     14.82        15.56       52,024.77
                                                                                  2007     15.56        15.85      174,819.77
                                                                                  2008     15.85        14.17      206,376.24
                                                                                  2009     14.17        15.73      277,083.25
                                                                                  2010     15.73        16.51      351,455.60

American Funds Global Small Capitalization Investment Division (Class 2)/(a)(j)/. 2002     12.16        10.81           63.62
                                                                                  2003     10.81        16.37       14,982.78
                                                                                  2004     16.37        19.51       80,216.60
                                                                                  2005     19.51        24.12      227,193.58
                                                                                  2006     24.12        29.51      447,880.61
                                                                                  2007     29.51        35.33      656,275.07
                                                                                  2008     35.33        16.19      882,590.75
                                                                                  2009     16.19        25.75    1,078,475.48
                                                                                  2010     25.75        31.09    1,218,773.78

American Funds Growth Allocation Investment Division (Class C)/(i)/.............. 2008      9.99         6.37      194,988.37
                                                                                  2009      6.37         8.44      768,461.08
                                                                                  2010      8.44         9.47    1,297,995.99

American Funds Growth Investment Division (Class 2)/(a)(j)/...................... 2002     88.53        85.54           11.96
                                                                                  2003     85.54       115.40       13,543.19
                                                                                  2004    115.40       128.01       55,834.31
                                                                                  2005    128.01       146.68      129,239.16
                                                                                  2006    146.68       159.42      223,498.95
                                                                                  2007    159.42       176.61      293,354.57
                                                                                  2008    176.61        97.57      362,056.25
                                                                                  2009     97.57       134.13      427,118.96
                                                                                  2010    134.13       156.98      472,282.87

American Funds Growth-Income Investment Division (Class 2)/(a)(j)/............... 2002     73.23        68.77           30.15
                                                                                  2003     68.77        89.81       18,970.96
                                                                                  2004     89.81        97.74       71,689.28
                                                                                  2005     97.74       102.01      143,320.39
                                                                                  2006    102.01       115.89      202,055.10
                                                                                  2007    115.89       120.03      259,197.84
                                                                                  2008    120.03        73.56      299,030.63
                                                                                  2009     73.56        95.20      339,192.74
                                                                                  2010     95.20       104.60      377,221.58

American Funds Moderate Allocation Investment Division (Class C)/(i)/............ 2008     10.01         7.70      204,533.60
                                                                                  2009      7.70         9.39      664,696.39
                                                                                  2010      9.39        10.20    1,095,529.66

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                                                                                    Beginning of               Number of  
                                                                                        Year     End of Year  Accumulation
                                                                                    Accumulation Accumulation Units End of
Investment Division                                                            Year  Unit Value   Unit Value      Year    
-------------------                                                            ---- ------------ ------------ ------------
                                                                                                                          
Barclays Capital Aggregate Bond Index Investment Division                                                                 
  (formerly Lehman Brothers(R) Aggregate Bond Index Investment Division)/(a)/. 2002    $11.82       $12.36        3,448.86
                                                                               2003     12.36        12.63      144,664.71
                                                                               2004     12.63        12.97      428,405.73
                                                                               2005     12.97        13.06      910,620.62
                                                                               2006     13.06        13.40    1,382,777.48
                                                                               2007     13.40        14.13    1,782,657.77
                                                                               2008     14.13        14.75    1,647,058.68
                                                                               2009     14.75        15.31    2,178,913.92
                                                                               2010     15.31        16.00    2,647,051.81

BlackRock Bond Income Investment Division/(a)/................................ 2002     42.36        44.02            2.43
                                                                               2003     44.02        45.94       12,384.39
                                                                               2004     45.94        47.31       31,771.09
                                                                               2005     47.31        47.78       64,260.01
                                                                               2006     47.78        49.19       95,129.12
                                                                               2007     49.19        51.55      113,272.33
                                                                               2008     51.55        49.09      110,003.42
                                                                               2009     49.09        52.99      134,615.77
                                                                               2010     52.99        56.61      164,675.43

BlackRock Large Cap Core Investment Division*/(g)/............................ 2007     82.90        83.75       27,200.84
                                                                               2008     83.75        51.90       30,685.85
                                                                               2009     51.90        61.16       37,979.27
                                                                               2010     61.16        67.99       48,350.58

BlackRock Large Cap Investment Division                                                                                   
  (formerly BlackRock Investment Trust Investment Division)/(a)(g)/........... 2002     52.00        49.35            0.91
                                                                               2003     49.35        63.38        4,046.54
                                                                               2004     63.38        69.29       11,627.54
                                                                               2005     69.29        70.77       18,853.47
                                                                               2006     70.77        79.64       21,780.72
                                                                               2007     79.64        83.59            0.00

BlackRock Large Cap Value Investment Division/(a)/............................ 2002      8.61         7.92            8.09
                                                                               2003      7.92        10.60        3,799.75
                                                                               2004     10.60        11.87       41,453.44
                                                                               2005     11.87        12.39       90,472.98
                                                                               2006     12.39        14.59      200,625.43
                                                                               2007     14.59        14.87      338,503.06
                                                                               2008     14.87         9.54      401,171.39
                                                                               2009      9.54        10.47      571,838.16
                                                                               2010     10.47        11.28      665,322.98

BlackRock Legacy Large Cap Growth Investment Division/(a)/.................... 2002     20.77        18.17            0.00
                                                                               2003     18.17        24.29        2,861.22
                                                                               2004     24.29        26.06        3,633.57
                                                                               2005     26.06        27.51       11,978.18
                                                                               2006     27.51        28.25       22,086.50
                                                                               2007     28.25        33.07       46,455.59
                                                                               2008     33.07        20.70       86,121.65
                                                                               2009     20.70        27.93      128,118.29
                                                                               2010     27.93        32.99      152,192.29

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                                                                        Year     End of Year  Accumulation
                                                                    Accumulation Accumulation Units End of
Investment Division                                            Year  Unit Value   Unit Value      Year    
-------------------                                            ---- ------------ ------------ ------------
                                                                                                          
BlackRock Legacy Large Cap Growth Investment Division                                                     
  (formerly FI Large Cap Investment Division)/(k)/............ 2006    $17.50       $17.74       10,134.75
                                                               2007     17.74        18.19       23,977.37
                                                               2008     18.19         9.89       37,277.29
                                                               2009      9.89        10.32            0.00

BlackRock Money Market Investment Division/(b)/............... 2003     23.29        23.19            0.00
                                                               2004     23.19        23.09            0.00
                                                               2005     23.09        23.43            0.00
                                                               2006     23.43        24.21            0.00
                                                               2007     24.21        25.09            0.00
                                                               2008     25.09        25.44            0.00
                                                               2009     25.44        25.22            0.00
                                                               2010     25.22        24.93            0.00

Calvert VP SRI Balanced Investment Division                                                               
  (formerly Calvert Social Balanced Investment Division/(a)/). 2002     17.72        17.40           38.44
                                                               2003     17.40        20.52        6,664.49
                                                               2004     20.52        21.96       21,378.29
                                                               2005     21.96        22.94       41,201.23
                                                               2006     22.94        24.67       86,212.91
                                                               2007     24.67        25.06      125,591.07
                                                               2008     25.06        17.01      161,248.36
                                                               2009     17.01        21.07      205,769.79
                                                               2010     21.07        23.35      246,778.53

Clarion Global Real Estate Investment Division/(d)/........... 2004      9.99        12.85       32,361.21
                                                               2005     12.85        14.39      211,809.17
                                                               2006     14.39        19.58      488,853.51
                                                               2007     19.58        16.45      709,880.30
                                                               2008     16.45         9.48      802,996.74
                                                               2009      9.48        12.63      904,981.60
                                                               2010     12.63        14.50      961,544.85

Davis Venture Value Investment Division/(a)/.................. 2002     22.63        22.05           19.62
                                                               2003     22.05        28.50       16,227.34
                                                               2004     28.50        31.54       89,201.49
                                                               2005     31.54        34.29      268,434.82
                                                               2006     34.29        38.76      475,212.75
                                                               2007     38.76        39.98      663,987.62
                                                               2008     39.98        23.90      779,914.92
                                                               2009     23.90        31.11      918,129.18
                                                               2010     31.11        34.35    1,021,833.33

FI Value Leaders Investment Division/(a)/..................... 2002     19.96        18.99            0.00
                                                               2003     18.99        23.81        2,262.03
                                                               2004     23.81        26.72       11,500.32
                                                               2005     26.72        29.17       35,920.78
                                                               2006     29.17        32.20       78,333.40
                                                               2007     32.20        33.09      101,164.80
                                                               2008     33.09        19.92      111,617.92
                                                               2009     19.92        23.92      130,067.79
                                                               2010     23.92        27.02      146,694.34

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                                                                                Beginning of               Number of  
                                                                                    Year     End of Year  Accumulation
                                                                                Accumulation Accumulation Units End of
Investment Division                                                        Year  Unit Value   Unit Value      Year    
-------------------                                                        ---- ------------ ------------ ------------
                                                                                                                      
Harris Oakmark International Investment Division/(a)/..................... 2002   $  9.91      $  8.85           48.82
                                                                           2003      8.85        11.82       19,511.29
                                                                           2004     11.82        14.08       85,264.44
                                                                           2005     14.08        15.90      251,803.76
                                                                           2006     15.90        20.25      533,163.25
                                                                           2007     20.25        19.80      812,437.99
                                                                           2008     19.80        11.57      909,654.50
                                                                           2009     11.57        17.73    1,043,965.44
                                                                           2010     17.73        20.41    1,254,723.58

Invesco Small Cap Growth Investment Division                                                                          
  (formerly Met/AIM Small Cap Growth Investment Division/(a)/)............ 2002      8.93         8.49            2.30
                                                                           2003      8.49        11.66        2,111.31
                                                                           2004     11.66        12.27        5,419.83
                                                                           2005     12.27        13.13       15,098.34
                                                                           2006     13.13        14.83       37,039.55
                                                                           2007     14.83        16.28       57,767.04
                                                                           2008     16.28         9.86       68,209.44
                                                                           2009      9.86        13.04       92,455.18
                                                                           2010     13.04        16.27      106,043.37

Janus Forty Investment Division/(h)/...................................... 2007    155.28       190.81        3,064.32
                                                                           2008    190.81       109.41       30,321.52
                                                                           2009    109.41       154.51       69,318.46
                                                                           2010    154.51       167.10       97,045.35

Lazard Mid Cap Investment Division/(a)/................................... 2002     10.00         9.69           78.31
                                                                           2003      9.69        12.09        2,865.13
                                                                           2004     12.09        13.67       18,025.97
                                                                           2005     13.67        14.61       52,664.20
                                                                           2006     14.61        16.56       75,763.68
                                                                           2007     16.56        15.92      130,448.12
                                                                           2008     15.92         9.71      144,410.76
                                                                           2009      9.71        13.13      184,744.22
                                                                           2010     13.13        15.95      195,569.43

Loomis Sayles Small Cap Core Investment Division                                                                      
  (formerly Loomis Sayles Small Cap Investment Divisions)/(a)/............ 2002     19.24        17.58            2.82
                                                                           2003     17.58        23.71        3,228.37
                                                                           2004     23.71        27.25        8,561.34
                                                                           2005     27.25        28.74       28,010.97
                                                                           2006     28.74        33.07       59,402.51
                                                                           2007     33.07        36.49       88,213.45
                                                                           2008     36.49        23.06      107,403.97
                                                                           2009     23.06        29.62      123,701.77
                                                                           2010     29.62        37.25      136,862.89

Loomis Sayles Small Cap Growth Investment Division                                                                    
  (formerly Franklin Templeton Small Cap Growth Investment Division)/(a)/. 2002      6.75         6.26            6.52
                                                                           2003      6.26         8.96        7,737.94
                                                                           2004      8.96         9.84       31,713.66
                                                                           2005      9.84        10.16       61,213.51
                                                                           2006     10.16        11.02      103,113.29
                                                                           2007     11.02        11.36      164,851.99
                                                                           2008     11.36         6.59      200,034.78
                                                                           2009      6.59         8.45      237,853.76
                                                                           2010      8.45        10.97      247,239.17

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                                                                             Year     End of Year  Accumulation
                                                                         Accumulation Accumulation Units End of
Investment Division                                                 Year  Unit Value   Unit Value      Year    
-------------------                                                 ---- ------------ ------------ ------------
                                                                                                               
Lord Abbett Bond Debenture Investment Division/(a)/................ 2002    $13.47       $13.79            9.63
                                                                    2003     13.79        16.24       11,093.84
                                                                    2004     16.24        17.36       52,230.11
                                                                    2005     17.36        17.42      136,924.22
                                                                    2006     17.42        18.80      227,247.93
                                                                    2007     18.80        19.80      322,578.34
                                                                    2008     19.80        15.93      340,532.94
                                                                    2009     15.93        21.54      385,655.93
                                                                    2010     21.54        24.06      431,883.49

Met/Artisan Mid Cap Value Investment Division                                                                  
  (formerly Harris Oakmark Focused Value Investment Division)/(a)/. 2002     23.04        23.73           70.12
                                                                    2003     23.73        31.04       30,181.02
                                                                    2004     31.04        33.65      110,750.47
                                                                    2005     33.65        36.50      227,513.06
                                                                    2006     36.50        40.47      289,878.60
                                                                    2007     40.47        37.18      333,726.00
                                                                    2008     37.18        19.79      335,618.24
                                                                    2009     19.79        27.63      354,998.61
                                                                    2010     27.63        31.35      357,846.23

Met/Franklin Income Investment Division/(i)/....................... 2008      9.99         8.00       18,925.96
                                                                    2009      8.00        10.10       76,133.69
                                                                    2010     10.10        11.17      175,335.25

Met/Franklin Mutual Shares Investment Division/(i)/................ 2008      9.99         6.61       10,882.44
                                                                    2009      6.61         8.16       64,918.25
                                                                    2010      8.16         8.95      149,433.96

Met/Franklin Templeton Founding Strategy Investment Division/(i)/.. 2008      9.99         7.04       24,985.84
                                                                    2009      7.04         8.95      116,165.26
                                                                    2010      8.95         9.74      269,043.80

Met/Templeton Growth Investment Division/(i)/...................... 2008      9.99         6.58        9,643.09
                                                                    2009      6.58         8.62       43,892.66
                                                                    2010      8.62         9.18       78,696.70

MetLife Mid Cap Stock Index Investment Division/(a)/............... 2002      8.99         8.67        1,645.03
                                                                    2003      8.67        11.53       91,255.87
                                                                    2004     11.53        13.19      139,283.11
                                                                    2005     13.19        14.61      266,173.33
                                                                    2006     14.61        15.87      472,965.71
                                                                    2007     15.87        16.86      662,368.42
                                                                    2008     16.86        10.60      813,369.45
                                                                    2009     10.60        14.34      944,409.27
                                                                    2010     14.34        17.86    1,034,531.67

MetLife Stock Index Investment Division/(a)/....................... 2002     28.95        27.66        1,512.09
                                                                    2003     27.66        34.96       82,808.02
                                                                    2004     34.96        38.11      275,038.70
                                                                    2005     38.11        39.33      547,798.08
                                                                    2006     39.33        44.79      783,095.95
                                                                    2007     44.79        46.47    1,014,276.29
                                                                    2008     46.47        28.82    1,356,676.50
                                                                    2009     28.82        35.88    1,625,992.39
                                                                    2010     35.88        40.61    1,882,506.27

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                                                                        Beginning of               Number of  
                                                                            Year     End of Year  Accumulation
                                                                        Accumulation Accumulation Units End of
Investment Division                                                Year  Unit Value   Unit Value      Year    
-------------------                                                ---- ------------ ------------ ------------
                                                                                                              
MFS(R) Research International Investment Division/(a)/............ 2002    $ 7.82       $ 7.32           20.26
                                                                   2003      7.32         9.56       17,836.97
                                                                   2004      9.56        11.29       33,557.48
                                                                   2005     11.29        13.00       89,994.11
                                                                   2006     13.00        16.27      257,687.66
                                                                   2007     16.27        18.22      469,870.91
                                                                   2008     18.22        10.38      715,053.77
                                                                   2009     10.38        13.50      929,902.72
                                                                   2010     13.50        14.87    1,050,952.03

MFS(R) Total Return Investment Division/(a)/...................... 2002     33.21        33.00            1.50
                                                                   2003     33.00        38.08        7,191.76
                                                                   2004     38.08        41.78       24,289.54
                                                                   2005     41.78        42.48       54,395.78
                                                                   2006     42.48        47.01       84,211.32
                                                                   2007     47.01        48.38      119,028.13
                                                                   2008     48.38        37.14      124,603.51
                                                                   2009     37.14        43.43      142,764.40
                                                                   2010     43.43        47.14      158,075.19

MFS(R) Value Investment Division/(a)/............................. 2002     10.10         9.77          164.71
                                                                   2003      9.77        12.09       57,143.48
                                                                   2004     12.09        13.29      177,468.75
                                                                   2005     13.29        12.92      372,897.00
                                                                   2006     12.92        15.06      446,843.92
                                                                   2007     15.06        14.28      542,706.43
                                                                   2008     14.28         9.36      575,265.94
                                                                   2009      9.36        11.16      661,514.74
                                                                   2010     11.16        12.26      740,015.29

Morgan Stanley EAFE(R) Index Investment Division/(a)/............. 2002      7.94         7.06        3,041.51
                                                                   2003      7.06         9.57      142,473.29
                                                                   2004      9.57        11.29      245,217.23
                                                                   2005     11.29        12.60      488,217.83
                                                                   2006     12.60        15.63      714,989.16
                                                                   2007     15.63        17.08      975,903.28
                                                                   2008     17.08         9.76    1,336,199.40
                                                                   2009      9.76        12.37    1,607,780.30
                                                                   2010     12.37        13.20    1,905,179.76

Morgan Stanley Mid Cap Growth Investment Division/(l)/............ 2010     13.30        15.47      334,164.64

Morgan Stanley Mid Cap Growth Investment Division                                                             
  (formerly FI Mid Cap Opportunities Investment Division)/(a)(c)/. 2002     11.37        10.97            0.00
                                                                   2003     10.97        14.56            0.00
                                                                   2004     14.56        16.82       35,155.94
                                                                   2005     16.82        17.74       64,889.51
                                                                   2006     17.74        19.56      133,447.27
                                                                   2007     19.56        20.90      166,623.10
                                                                   2008     20.90         9.21      255,078.97
                                                                   2009      9.21        12.16      298,919.30
                                                                   2010     12.16        13.17            0.00

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                                                                      Beginning of               Number of  
                                                                          Year     End of Year  Accumulation
                                                                      Accumulation Accumulation Units End of
Investment Division                                              Year  Unit Value   Unit Value      Year    
-------------------                                              ---- ------------ ------------ ------------
                                                                                                            
Neuberger Berman Genesis Investment Division                                                                
  (formerly BlackRock Strategic Value Investment Division)/(a)/. 2002    $12.81       $10.88          156.91
                                                                 2003     10.88        16.11       48,453.97
                                                                 2004     16.11        18.33      175,008.38
                                                                 2005     18.33        18.82      287,683.69
                                                                 2006     18.82        21.67      374,993.08
                                                                 2007     21.67        20.63      454,086.47
                                                                 2008     20.63        12.53      468,805.82
                                                                 2009     12.53        13.98      539,322.97
                                                                 2010     13.98        16.77      538,917.95

Neuberger Berman Mid Cap Value Investment Division/(a)/......... 2002     14.09        13.47            1.13
                                                                 2003     13.47        18.13       32,588.41
                                                                 2004     18.13        21.98      136,845.70
                                                                 2005     21.98        24.32      304,908.67
                                                                 2006     24.32        26.74      489,376.42
                                                                 2007     26.74        27.28      663,256.48
                                                                 2008     27.28        14.16      797,929.68
                                                                 2009     14.16        20.68      858,091.58
                                                                 2010     20.68        25.77      904,609.58

Oppenheimer Capital Appreciation Investment Division/(a)/....... 2002      6.56         6.31            9.15
                                                                 2003      6.31         8.02        8,584.95
                                                                 2004      8.02         8.43       26,654.60
                                                                 2005      8.43         8.73       71,232.08
                                                                 2006      8.73         9.29      123,997.78
                                                                 2007      9.29        10.49      195,153.29
                                                                 2008     10.49         5.61      254,070.40
                                                                 2009      5.61         7.97      316,145.01
                                                                 2010      7.97         8.62      448,556.55

PIMCO Inflation Protected Bond Investment Division/(f)/......... 2006     11.07        11.20       14,323.43
                                                                 2007     11.20        12.27       53,603.10
                                                                 2008     12.27        11.29      365,194.13
                                                                 2009     11.29        13.18      533,777.77
                                                                 2010     13.18        14.04      737,915.95

PIMCO Total Return Investment Division/(a)/..................... 2002     10.95        11.41          189.54
                                                                 2003     11.41        11.76       70,150.27
                                                                 2004     11.76        12.20      251,822.19
                                                                 2005     12.20        12.34      587,365.40
                                                                 2006     12.34        12.75      830,339.80
                                                                 2007     12.75        13.55      990,487.69
                                                                 2008     13.55        13.45    1,132,008.34
                                                                 2009     13.45        15.70    1,495,095.67
                                                                 2010     15.70        16.79    1,968,358.65

RCM Technology Investment Division/(a)/......................... 2002      3.68         2.97           10.54
                                                                 2003      2.97         4.63       19,825.87
                                                                 2004      4.63         4.38       57,801.86
                                                                 2005      4.38         4.81      109,550.02
                                                                 2006      4.81         5.00      202,153.84
                                                                 2007      5.00         6.51      318,061.62
                                                                 2008      6.51         3.57      403,536.36
                                                                 2009      3.57         5.62      587,559.45
                                                                 2010      5.62         7.09      800,564.32

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                                                                           Beginning of               Number of  
                                                                               Year     End of Year  Accumulation
                                                                           Accumulation Accumulation Units End of
Investment Division                                                   Year  Unit Value   Unit Value      Year    
-------------------                                                   ---- ------------ ------------ ------------
                                                                                                                 
Russell 2000(R) Index Investment Division/(a)/....................... 2002    $10.10       $ 9.36          860.44
                                                                      2003      9.36        13.49       57,176.25
                                                                      2004     13.49        15.66       92,647.13
                                                                      2005     15.66        16.14      203,487.62
                                                                      2006     16.14        18.77      330,869.18
                                                                      2007     18.77        18.23      449,867.09
                                                                      2008     18.23        11.95      520,314.13
                                                                      2009     11.95        14.85      658,112.73
                                                                      2010     14.85        18.59      717,969.90

SSgA Growth ETF Investment Division                                                                              
  (formerly Cyclical Growth ETF Investment Division)/(f)/............ 2006     10.71        11.45        2,722.18
                                                                      2007     11.45        11.95       16,348.82
                                                                      2008     11.95         7.92       16,025.29
                                                                      2009      7.92        10.11      103,310.15
                                                                      2010     10.11        11.40      249,877.19

SSgA Growth and Income ETF Investment Division                                                                   
  (formerly Cyclical Growth and Income ETF Investment Division)/(f)/. 2006     10.52        11.19        3,054.10
                                                                      2007     11.19        11.66        7,612.59
                                                                      2008     11.66         8.64       13,071.93
                                                                      2009      8.64        10.66      125,239.92
                                                                      2010     10.66        11.83      421,848.35

T. Rowe Price Large Cap Growth Investment Division/(a)/.............. 2002      8.98         8.76            3.45
                                                                      2003      8.76        11.33       22,582.04
                                                                      2004     11.33        12.28       85,713.15
                                                                      2005     12.28        12.91      160,902.73
                                                                      2006     12.91        14.41      262,445.10
                                                                      2007     14.41        15.55      364,181.00
                                                                      2008     15.55         8.91      442,818.70
                                                                      2009      8.91        12.60      524,705.52
                                                                      2010     12.60        14.55      579,752.68

T. Rowe Price Mid Cap Growth Investment Division/(a)/................ 2002      4.85         4.56            6.04
                                                                      2003      4.56         6.16       14,813.41
                                                                      2004      6.16         7.18       99,520.94
                                                                      2005      7.18         8.14      203,186.34
                                                                      2006      8.14         8.54      411,060.56
                                                                      2007      8.54         9.93      605,999.98
                                                                      2008      9.93         5.91      826,878.73
                                                                      2009      5.91         8.51    1,049,482.42
                                                                      2010      8.51        10.74    1,227,450.81

T. Rowe Price Small Cap Growth Investment Division/(a)/.............. 2002      8.98         8.80            2.02
                                                                      2003      8.80        12.26        9,431.44
                                                                      2004     12.26        13.46       41,674.45
                                                                      2005     13.46        14.73       61,128.13
                                                                      2006     14.73        15.09      119,926.48
                                                                      2007     15.09        16.34      147,039.90
                                                                      2008     16.34        10.28      178,819.10
                                                                      2009     10.28        14.10      240,114.29
                                                                      2010     14.10        18.77      319,841.50

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                                                                                     Beginning of               Number of  
                                                                                         Year     End of Year  Accumulation
                                                                                     Accumulation Accumulation Units End of
Investment Division                                                             Year  Unit Value   Unit Value      Year    
-------------------                                                             ---- ------------ ------------ ------------
                                                                                                                           
Third Avenue Small Cap Value Investment Division/(a)/.......................... 2002    $ 9.02       $ 8.24            0.00
                                                                                2003      8.24        11.52       10,024.24
                                                                                2004     11.52        14.41       23,882.79
                                                                                2005     14.41        16.45      116,689.87
                                                                                2006     16.45        18.40      218,803.53
                                                                                2007     18.40        17.64      312,434.44
                                                                                2008     17.64        12.24      345,244.78
                                                                                2009     12.24        15.30      421,184.87
                                                                                2010     15.30        18.13      458,491.15

Western Asset Management Strategic Bond Opportunities Investment Division/(a)/. 2002     16.37        17.34           63.10
                                                                                2003     17.34        19.30        6,880.83
                                                                                2004     19.30        20.28       37,987.88
                                                                                2005     20.28        20.57      116,330.65
                                                                                2006     20.57        21.31      234,231.30
                                                                                2007     21.31        21.85      363,414.55
                                                                                2008     21.85        18.31      359,771.96
                                                                                2009     18.31        23.87      374,438.61
                                                                                2010     23.87        26.54      407,645.88

Western Asset Management U.S. Government Investment Division/(a)/.............. 2002     15.39        15.87           70.64
                                                                                2003     15.87        15.95       17,717.61
                                                                                2004     15.95        16.19       53,620.30
                                                                                2005     16.19        16.23      126,212.33
                                                                                2006     16.23        16.67      223,236.27
                                                                                2007     16.67        17.15      292,693.44
                                                                                2008     17.15        16.86      309,301.14
                                                                                2009     16.86        17.35      361,216.45
                                                                                2010     17.35        18.09      413,299.30

MetLife Aggressive Allocation Investment Division/(e)/......................... 2005      9.99        11.16        6,670.59
                                                                                2006     11.16        12.77      180,227.91
                                                                                2007     12.77        13.03      513,196.27
                                                                                2008     13.03         7.67      799,850.74
                                                                                2009      7.67         9.97    1,297,216.65
                                                                                2010      9.97        11.40    1,592,205.37

MetLife Conservative Allocation Investment Division/(e)/....................... 2005      9.99        10.31       17,041.17
                                                                                2006     10.31        10.90       43,214.85
                                                                                2007     10.90        11.37      148,320.62
                                                                                2008     11.37         9.62      279,644.96
                                                                                2009      9.62        11.47      406,016.23
                                                                                2010     11.47        12.48      593,216.03

MetLife Conservative to Moderate Allocation Investment Division/(e)/........... 2005      9.99        10.53       38,350.22
                                                                                2006     10.53        11.39      327,965.49
                                                                                2007     11.39        11.80      712,052.60
                                                                                2008     11.80         9.15    1,176,507.34
                                                                                2009      9.15        11.18    1,521,527.64
                                                                                2010     11.18        12.33    2,226,031.92

MetLife Moderate Allocation Investment Division/(e)/........................... 2005      9.99        10.76      185,399.49
                                                                                2006     10.76        11.90    1,036,118.92
                                                                                2007     11.90        12.27    2,916,876.82
                                                                                2008     12.27         8.66    4,590,335.22
                                                                                2009      8.66        10.83    6,757,809.46
                                                                                2010     10.83        12.12    9,166,120.55

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                                                                         Beginning of               Number of  
                                                                             Year     End of Year  Accumulation
                                                                         Accumulation Accumulation Units End of
Investment Division                                                 Year  Unit Value   Unit Value      Year    
-------------------                                                 ---- ------------ ------------ ------------
                                                                                                               
MetLife Moderate to Aggressive Allocation Investment Division/(e)/. 2005    $ 9.99       $10.99       92,873.97
                                                                    2006     10.99        12.41      872,058.09
                                                                    2007     12.41        12.74    2,856,621.59
                                                                    2008     12.74         8.17    5,013,875.02
                                                                    2009      8.17        10.42    7,442,005.10
                                                                    2010     10.42        11.82    9,546,593.21

-----------                                                                     

(a)The inception date for the Deferred Annuities was July 12, 2002.             
(b)Inception Date: May 1, 2003.                                                 
(c)The investment division with the name FI Mid Cap Opportunities was merged    
 into the Janus Mid Cap Investment Division prior to the opening of business
May 3, 2004, and was renamed FI Mid Cap Opportunities. The investment     
 division with the name FI Mid Cap Opportunities on April 30, 2004 ceased to
exist. The accumulation unit values history prior to May 1, 2004 is of the
investment division which no longer exists.                               
(d)Inception Date: May 1, 2004.                                                 
(e)Inception Date: May 1, 2005.                                                 
(f)Inception Date: May 1, 2006.                                                 
(g)The assets of BlackRock Large Cap Investment Division (formerly BlackRock    
Investment Trust Investment Division) of the Metropolitan Fund were merged
into the BlackRock Large Cap Core Investment Division of the Met Investors
  Fund on April 30, 2007. Accumulation unit values prior to April 30, 2007 are
those of the BlackRock Large Cap Investment Division.                     
(h)Inception date: April 30, 2007.                                              
(i)Inception date: April 28, 2008.                                              
(j)The accumulation unit values for American Funds Bond, American Funds         
Growth-Income, American Funds Growth and American Funds Global            
Capitalization Investment Divisions are calculated with an additional .25%
 separate account charge as indicated in the Separate Account Charge section
of the Table of Expenses.                                                 
(k)The assets of FI Large Cap Investment Division of the Metropolitan Fund were 
  merged into the BlackRock Legacy Large Cap Growth Investment Division of the
Metropolitan Fund on May 1, 2009. Accumulation unit values prior to May 1,
2009 are those of the FI Large Cap Investment Division.                   
(l)The assets of FI Mid Cap Opportunities Investment Division were merged into  
this investment division on May 3, 2010. Accumulation unit values prior to
May 3, 2010 are those of FI Mid Cap Opportunities Investment Division     
* We are waiving a portion of the Separate Account charge for the investment    
division investing in the BlackRock Large Cap Core Portfolio. Please see the
Table of Expenses for more information.                                     

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APPENDIX IV                                                                     

PORTFOLIO LEGAL AND MARKETING NAMES                                             

                                                        [Enlarge/Download Table]


                                      LEGAL NAME OF                                                                    
SERIES FUND/TRUST                     PORTFOLIO SERIES                  MARKETING NAME                                 
                                                                                                                       
  American Funds Insurance Series(R)  Bond Fund                         American Funds Bond Fund                       
  American Funds Insurance Series(R)  Global Small Capitalization Fund  American Funds Global Small Capitalization Fund
  American Funds Insurance Series(R)  Growth - Income Fund              American Funds Growth-Income Fund              
  American Funds Insurance Series(R)  Growth Fund                       American Funds Growth Fund                     

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APPENDIX V                                                                      

ADDITIONAL INFORMATION REGARDING THE PORTFOLIOS                                 

The Portfolio below was subject to a merger. The chart identifies the former    
name and new name of this Portfolio.                                            

PORTFOLIO MERGER                                                                

                                                                [Download Table]


FORMER PORTFOLIO          NEW PORTFOLIO                          
                                                                 
  METROPOLITAN FUND       MET INVESTORS FUND                     
    MetLife                 MetLife Aggressive Strategy Portfolio
  Aggressive                                                     
  Allocation                                                     
  Portfolio                                                      

                                                                           109

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Request For a Statement of  
Additional Information/Change of Address  

If you would like any of the following Statements of Additional Information, or 
have changed your address, please check the appropriate box below and return to 
the address below.                                                              

[_] Metropolitan Life Separate Account E,                                       

[_] Metropolitan Series Fund, Inc.                                              

[_] Met Investors Series Trust                                                  

[_] American Funds Insurance Series(R)                                          

[_] Calvert VP SRI Balanced Portfolio                                           

[_] I have changed my address. My current address is:                           

_________________  Name ___ 
(Contract Number)           

                 Address

_________________         _ 
  (Signature)          zip

Metropolitan Life Insurance Company                                             
P.O. Box 10342                                                                  
Des Moines, IA 50306-0342                                                       

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                                                                   May 1, 2011

MetLife Financial Freedom Select(R) Variable Annuity Contracts Issued by        
Metropolitan Life Insurance Company                                             
This Prospectus describes MetLife Financial Freedom Select group and individual 
deferred variable annuity contracts ("Deferred Annuities").                     

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

You decide how to allocate your money among the various available       
 investment choices. The investment choices available to you are listed in
  the Contract for your Deferred Annuity. Your choices may include the Fixed
Interest Account (not offered or described in this Prospectus) and investment   
divisions available through Metropolitan Life Separate Account E which, in      
turn, invest in the following corresponding portfolios of the Metropolitan      
Series Fund, Inc. ("Metropolitan Fund"), a portfolio of the Calvert Variable    
Series, Inc. ("Calvert Fund"), portfolios of the Met Investors Series Trust     
("Met Investors Fund") and funds of the American Funds Insurance Series(R)      
("American Funds(R)"). For convenience, the portfolios and the funds are        
referred to as "Portfolios" in this Prospectus.                                 

                                                        [Enlarge/Download Table]
                                                                                      
                                  AMERICAN FUNDS(R)                                   
AMERICAN FUNDS BOND                          AMERICAN FUNDS GROWTH                    
AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION   AMERICAN FUNDS GROWTH-INCOME             
                                     CALVERT FUND                                     
CALVERT VP SRI BALANCED                                                               
                                  MET INVESTORS FUND                                  
AMERICAN FUNDS(R) BALANCED ALLOCATION        MET/FRANKLIN TEMPLETON FOUNDING STRATEGY 
AMERICAN FUNDS(R) GROWTH ALLOCATION          MET/TEMPLETON GROWTH                     
AMERICAN FUNDS(R) MODERATE ALLOCATION        METLIFE AGGRESSIVE STRATEGY              
BLACKROCK LARGE CAP CORE                     MFS(R) RESEARCH INTERNATIONAL            
CLARION GLOBAL REAL ESTATE                   MORGAN STANLEY MID CAP GROWTH            
HARRIS OAKMARK INTERNATIONAL                 OPPENHEIMER CAPITAL APPRECIATION         
INVESCO SMALL CAP GROWTH                     PIMCO INFLATION PROTECTED BOND           
JANUS FORTY                                  PIMCO TOTAL RETURN                       
LAZARD MID CAP                               RCM TECHNOLOGY                           
LORD ABBETT BOND DEBENTURE                   SSGA GROWTH AND INCOME ETF               
MET/FRANKLIN INCOME                          SSGA GROWTH ETF                          
MET/FRANKLIN LOW DURATION TOTAL RETURN       T. ROWE PRICE MID CAP GROWTH             
MET/FRANKLIN MUTUAL SHARES                   THIRD AVENUE SMALL CAP VALUE             
                                  METROPOLITAN FUND                                   
BARCLAYS CAPITAL AGGREGATE BOND INDEX        METLIFE MODERATE TO AGGRESSIVE ALLOCATION
BLACKROCK BOND INCOME                        METLIFE STOCK INDEX                      
BLACKROCK LARGE CAP VALUE                    MFS(R) TOTAL RETURN                      
BLACKROCK LEGACY LARGE CAP GROWTH            MFS(R) VALUE                             
DAVIS VENTURE VALUE                          MORGAN STANLEY EAFE(R) INDEX             
FI VALUE LEADERS                             NEUBERGER BERMAN GENESIS                 
LOOMIS SAYLES SMALL CAP CORE                 NEUBERGER BERMAN MID CAP VALUE           
LOOMIS SAYLES SMALL CAP GROWTH               RUSSELL 2000(R) INDEX                    
MET/ARTISAN MID CAP VALUE                    T. ROWE PRICE LARGE CAP GROWTH           
METLIFE CONSERVATIVE ALLOCATION              T. ROWE PRICE SMALL CAP GROWTH           
METLIFE CONSERVATIVE TO MODERATE ALLOCATION  WESTERN ASSET MANAGEMENT STRATEGIC BOND  
METLIFE MID CAP STOCK INDEX                   OPPORTUNITIES                           
METLIFE MODERATE ALLOCATION                  WESTERN ASSET MANAGEMENT U.S. GOVERNMENT 

Certain Portfolios have been subject to a change. Please see Appendix           
V -- "Additional Information Regarding the Portfolios".                         

HOW TO LEARN MORE:                                                              

Before investing, read this Prospectus. The Prospectus contains information     
about the Deferred Annuities and Metropolitan Life Separate Account E which you 
should know before investing. Keep this Prospectus for future reference. For    
more information, request a copy of the Statement of Additional Information     
("SAI"), dated May 1, 2011. The SAI is considered part of this Prospectus as    
though it were included in the Prospectus. The Table of Contents of the SAI     
appears on page 85 of this Prospectus. To request a free copy of the SAI or to  
ask questions, write or call:                                                   

Metropolitan Life Insurance Company                                             
P.O. Box 10342                                                                  
Des Moines, IA 50306-0342                                                       
(800) 638-7732                                                                  

[GRAPHIC]       

Deferred                                                                      
Annuities                                                                     
Available:                                                                    

.  TSA                                                                    
.  TSA ERISA                                                              
.  Simplified Employee Pensions (SEPs)                                    
.  SIMPLE Individual Retirement Annuities                                 
.  457(b) Eligible Deferred Compensation Arrangements (457(b)s)           
.  403(a) Arrangements                                                    

Classes Available                                                             
for each                                                                      
Deferred Annuity                                                              
.  e                                                                      
.  e Bonus                                                                

A word about investment risk:                                                 

An investment in any of these variable annuities involves investment risk. You
could lose money you invest. Money invested is NOT:                           

.  a bank deposit or obligation;                                              

.  federally insured or guaranteed; or                                        

.  endorsed by any bank or other financial institution.                       

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Each class of the Deferred Annuities has its own Separate Account charge and    
withdrawal charge schedule. Each provides the opportunity to invest for         
retirement. The expenses for the e Bonus Class of the Deferred Annuity may be   
higher than similar contracts without a bonus. The purchase payment credits     
("Bonus") may be more than offset by the higher expenses for the e Bonus Class. 

The Securities and Exchange Commission has a Web site (http://www.sec.gov)      
which you may visit to view this Prospectus, SAI and other information. The     
Securities and Exchange Commission has not approved or disapproved these        
securities or determined if this Prospectus is truthful or complete. Any        
representation otherwise is a criminal offense.                                 

2                                                                               

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TABLE OF CONTENTS 

                                                                [Download Table]
                                                                        
Important Terms You Should Know.....................................  5 
Table of Expenses...................................................  8 
Accumulation Unit Values Tables..................................... 15 
MetLife............................................................. 16 
Metropolitan Life Separate Account E................................ 16 
Variable Annuities.................................................. 16 
    Replacement of Annuity Contracts................................ 17 
    The Deferred Annuity............................................ 17 
Classes of the Deferred Annuity..................................... 19 
Your Investment Choices............................................. 21 
Deferred Annuities.................................................. 27 
    The Deferred Annuity and Your Retirement Plan................... 27 
    Automated Investment Strategies................................. 27 
    Purchase Payments............................................... 28 
        Purchase Payments--Section 403(b) Plans..................... 28 
        Allocation of Purchase Payments............................. 29 
        Limits on Purchase Payments................................. 29 
    The Value of Your Investment.................................... 29 
    Transfer Privilege.............................................. 30 
    Access to Your Money............................................ 33 
        Systematic Withdrawal Program............................... 33 
        Minimum Distribution........................................ 34 
    Charges......................................................... 34 
        Separate Account Charge..................................... 35 
        Investment-Related Charge................................... 35 
    Annual Contract Fee............................................. 36 
        Optional Guaranteed Minimum Income Benefit.................. 36 
        Optional Lifetime Withdrawal Guarantee Benefit.............. 36 
    Premium and Other Taxes......................................... 36 
    Withdrawal Charges.............................................. 37 
        When No Withdrawal Charge Applies to the e Bonus Class...... 37 
    Free Look....................................................... 39 
    Death Benefit--Generally........................................ 39 
        Standard Death Benefit...................................... 40 
    Optional Benefits............................................... 40 
        Annual Step-Up Death Benefit................................ 41 
        Guaranteed Minimum Income Benefit........................... 42 
        Lifetime Withdrawal Guarantee Benefit....................... 48 
    Pay-Out Options (or Income Options)............................. 57 
    Income Payment Types............................................ 58 
    Allocation...................................................... 59 
    Minimum Size of Your Income Payment............................. 59 

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                                                        [Enlarge/Download Table]
                                                                                     
    The Value of Your Income Payments............................................  59
        Reallocation Privilege...................................................  60
        Charges..................................................................  62
General Information..............................................................  63
    Administration...............................................................  63
        Purchase Payments........................................................  63
        Confirming Transactions..................................................  63
        Processing Transactions..................................................  64
           By Telephone or Internet..............................................  64
           After Your Death......................................................  64
           Misstatement..........................................................  65
           Third Party Requests..................................................  65
           Valuation--Suspension of Payments.....................................  65
    Advertising Performance......................................................  65
    Changes to Your Deferred Annuity.............................................  67
    Voting Rights................................................................  68
    Who Sells the Deferred Annuities.............................................  68
    Financial Statements.........................................................  71
    Your Spouse's Rights.........................................................  71
    When We Can Cancel Your Deferred Annuity.....................................  71
Income Taxes.....................................................................  72
Legal Proceedings................................................................  84
Table of Contents for the Statement of Additional Information....................  85
Appendix I Premium Tax Table.....................................................  86
Appendix II What You Need To Know If You Are A Texas Optional Retirement Program     
  Participant....................................................................  87
Appendix III Accumulation Unit Values For Each Investment Division...............  88
Appendix IV Portfolio Legal and Marketing Names.................................. 108
Appendix V Additional Information Regarding the Portfolios....................... 109

The Deferred Annuities are not to be offered anywhere that they may not         
lawfully be offered and sold. MetLife has not authorized any information or     
representations about the Deferred Annuities other than the information in this 
Prospectus, supplements to the prospectus or any supplemental sales material we 
authorize.                                                                      

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IMPORTANT TERMS YOU SHOULD KNOW                                                 

ACCOUNT BALANCE                                                                 

When you purchase a Deferred Annuity, an account is set up for you. Your        
Account Balance is the total amount of money credited to you under your         
Deferred Annuity including money in the investment divisions of the Separate    
Account and the Fixed Interest Account.                                         

ACCUMULATION UNIT VALUE                                                         

With a Deferred Annuity, money paid-in or transferred into an investment        
division of the Separate Account is credited to you in the form of accumulation 
units. Accumulation units are established for each investment division. We      
determine the value of these accumulation units at the close of the Exchange    
(see definition below) each day the Exchange is open for regular trading. The   
Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later.  
The values increase or decrease based on the investment performance of the      
corresponding underlying Portfolios.                                            

ADMINISTRATIVE OFFICE                                                           

Your Administrative Office is the MetLife office that will generally handle the 
administration of all your requests concerning your Deferred Annuity. Your      
Contract will indicate the address of your Administrative Office. We will       
notify you if there is a change in the address of your Administrative Office.   
The telephone number to call to initiate a request is 1-800-638-7732.           

ANNUITANT                                                                       

The natural person whose life is the measure for determining the duration and   
the dollar amount of income payments.                                           

ANNUITY UNIT VALUE                                                              

With a variable pay-out option, the money paid-in or reallocated into an        
investment division of the Separate Account is held in the form of annuity      
units. Annuity units are established for each investment division. We determine 
the value of these annuity units at the close of the Exchange each day the      
Exchange is open for regular trading. The Exchange usually closes at 4 p.m.     
Eastern Time but may close earlier or later. The values increase or decrease    
based on the investment performance of the corresponding underlying Portfolios. 

ASSUMED INVESTMENT RETURN (AIR)                                                 

Under a variable pay-out option, the AIR is the assumed percentage rate of      
return used to determine the amount of the first variable income payment. The   
AIR is also the benchmark that is used to calculate the investment performance  
of a given investment division to determine all subsequent payments to you.     

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BENEFICIARY                                                                     

The person or persons who receives a benefit, including continuing payments or  
a lump sum payment, if the owner dies.                                          

CONTRACT                                                                        

A Contract is the legal agreement between you and MetLife or between MetLife    
and the employer, plan trustee or other entity or the certificate issued to you 
under a group annuity contract. This document contains relevant provisions of   
your Deferred Annuity. MetLife issues Contracts for each of the annuities       
described in this Prospectus.                                                   

CONTRACT ANNIVERSARY                                                            

An anniversary of the date we issue the Deferred Annuity.                       

CONTRACT YEAR                                                                   

The Contract Year for a Deferred Annuity is the one year period starting on the 
date we issue the Deferred Annuity and each Contract Anniversary thereafter.    
For the TSA Deferred Annuity issued to a plan subject to the Employee           
Retirement Income Security Act of 1974 ("TSA ERISA Deferred Annuity"), 457(b)   
and 403(a) Deferred Annuities, for convenience, Contract Year also refers to    
the one year period starting on the date the participant enrolls in the plan    
funded by the Deferred Annuity.                                                 

EXCHANGE                                                                        

In this Prospectus, the New York Stock Exchange is referred to as the           
"Exchange."                                                                     

GOOD ORDER                                                                      

A request or transaction generally is considered in "good order" if it complies 
with our administrative procedures and the required information is complete and 
correct. 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 sales           
representative before submitting the form or request.                           

INVESTMENT DIVISION                                                             

Investment divisions are subdivisions of the Separate Account. When you         
allocate a purchase payment, transfer money or make reallocations of your       
income payment to an investment division, the investment division purchases     
shares of a Portfolio (with the same name) within the Metropolitan Fund, the    
Calvert Fund, the Met Investors Fund or the American Funds(R).                  

METLIFE                                                                         

MetLife is Metropolitan Life Insurance Company which is the company that issues 
the Deferred Annuities. Throughout this Prospectus, MetLife is also referred to 
as "we," "us" or "our."                                                         

SEPARATE ACCOUNT                                                                

A separate account is an investment account. All assets contributed to          
investment divisions under the Deferred Annuities are pooled in the Separate    
Account and maintained for the benefit of investors in Deferred Annuities.      

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VARIABLE ANNUITY                                                                

An annuity in which returns/income payments are based upon the performance of   
investments such as stocks and bonds held by one or more underlying Portfolios. 
You assume the investment risk for any amounts allocated to the investment      
divisions in a variable annuity.                                                

WITHDRAWAL CHARGE                                                               

The withdrawal charge is the amount we deduct from the amount you have          
withdrawn from your Deferred Annuity, if you withdraw money prematurely from a  
Deferred Annuity. This charge is often referred to as a deferred sales load or  
back-end sales load.                                                            

YOU                                                                             

In this Prospectus, depending on the context, "you" is the owner of the         
Deferred Annuity or the participant or annuitant for whom money is invested     
under certain group arrangements. In cases where we are referring to giving     
instructions or making payments to us for 457(b), 403(a), TSA ERISA and certain 
TSA non-ERISA Deferred Annuities, "you" means the trustee or employer. Under    
457(b), 403(a), and 403(b) plans where the participant or annuitant is          
permitted to choose among investment choices, "you" means the participant or    
annuitant who is giving us instructions about the investment choices.           

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TABLE OF EXPENSES--METLIFE FINANCIAL FREEDOM SELECT DEFERRED ANNUITIES    

  The following tables describe the expenses you will pay when you buy, hold
 or withdraw amounts from your Deferred Annuity. The first table describes
charges you will pay at the time you purchase the Deferred Annuity, make
withdrawals from your Deferred Annuity or make transfers between the investment 
divisions. There are no fees for the Fixed Interest Account. The tables do not  
show premium taxes (See Appendix I) and other taxes which may apply.            

--------------------------------------------------------------------------------
Contract Owner Transaction Expenses                                         

                                                        [Enlarge/Download Table]
                                                                                     
Sales Charge Imposed on Purchase Payments.......................                 None
Withdrawal Charge (as a percentage of the amount withdrawn) (1).             Up to 3%
Transfer Fee (2)................................................ Current Charge: None
                                                      Maximum Guaranteed Charge: $25 

/1/ A withdrawal charge may apply if you take a withdrawal from your Deferred   
Annuity. The charge on the amount withdrawn for each class is calculated
according to the following schedule:                                    

                                                                [Download Table]

IF WITHDRAWN DURING CONTRACT YEAR  e CLASS e BONUS CLASS
---------------------------------  ------- -------------
                                                        
           1......................  None         3%     
           2......................               3%     
           3......................               3%     
           4......................               3%     
           5......................               3%     
           6......................               3%     
           7......................               3%     
           Thereafter.............               0%     

 There are times when the withdrawal charge does not apply to amounts that
are withdrawn from a Deferred Annuity. For example, after the first     
   Contract Year, each year you may withdraw up to 10% of your Account Balance
   without a withdrawal charge. These withdrawals are made on a non-cumulative
basis.                                                                  

/2/ We reserve the right to limit transfers as described later in this          
Prospectus. We reserve the right to impose a transfer fee. The amount of
this fee will be no greater than $25 per transfer.                      

--------------------------------------------------------------------------------
The second table describes the fees and expenses that you will bear   
  periodically during the time you hold the Deferred Annuity, but does not
    include fees and expenses for the Portfolios. You pay the Separate Account
charge designated under the appropriate class for the Standard Death Benefit or 
the Optional Annual Step-Up Death Benefit.                                      

                                                                [Download Table]
                                                           
Annual Contract Fee (3)................................ $30

                                                                [Download Table]
                                                                            
Current Annual Separate Account Charge (as a percentage of your average     
Account Balance) for all investment divisions except the American Funds     
Growth-Income, American Funds Growth and American Funds Global Small        
Capitalization Divisions (4)                                                
                                                   e CLASS e BONUS CLASS (5)
Death Benefit                                      ------- -----------------
  Standard Death Benefit..........................  0.50%        0.95%      
  Optional Annual Step-Up Death Benefit...........  0.60%        1.05%      
                                                                [Download Table]
                                                                            

Current Annual Separate Account Charge (as a percentage of your average     
Account Balance) for the American Funds Growth-Income, American Funds       
Growth, American Funds Bond and American Funds Global Small Capitalization  
Divisions and maximum guaranteed Separate Account charge (as a percentage   
of your Account Balance) for all future investment divisions (4)            
                                                   e CLASS e BONUS CLASS (5)
Death Benefit                                      ------- -----------------
  Standard Death Benefit..........................  0.75%        1.20%      
  Optional Annual Step-Up Death Benefit...........  0.85%        1.30%      
Optional Guaranteed Minimum Income Benefit (6)............       0.70%      
                                                                [Download Table]
                                                                                   
Optional Lifetime Withdrawal Guarantee Benefit (7) Maximum Guaranteed Charge: 0.95%
                                                                [Download Table]
                     
Current Charge: 0.95%

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/3/ This fee may be waived under certain circumstances. This fee is waived if   
your Account Balance is at least $50,000 on the day the fee is deducted.
The fee will be deducted on a pro-rata basis (determined based upon the 
number of complete months that have elapsed since the prior Contract    
 Anniversary) if you take a total withdrawal of your Account Balance. This
fee will not be deducted if you are on medical leave approved by your   
 employer or called to active armed service duty at the time the fee is to
be deducted and your employer has informed us of your status. During the
pay-out phase we reserve the right to deduct this fee.                  

/4/ You pay the Separate Account charge with the Standard Death Benefit for     
your class of the Deferred Annuity during the pay-out phase of your     
Contract. Charges for optional benefits are those for a Deferred Annuity
 purchased after April 30, 2009. Different charges may have been in effect
for prior time periods. We reserve the right to impose an additional    
   Separate Account charge on investment divisions that we add to the Contract
in the future. The additional amount will not exceed the annual rate of 
  0.25% of the average daily net assets in any such investment divisions, as
shown in the table labeled "Current Separate Account Charge for American
Funds(R) investment divisions and maximum guaranteed Separate Account   
charge for all future investment divisions."                            

We are waiving 0.08% of the Separate Account charge for the investment  
division investing in the BlackRock Large-Cap Core Portfolio.           

/5/ The Separate Account charge with the Standard Death Benefit for the e Bonus 
  Class will be reduced by 0.45% to 0.50% (0.75% for amounts in the American
 Funds(R) investment divisions) after you have held the Contract for seven
 years. Similarly, the Separate Account charge will be reduced by 0.45% to
 0.60% for the Annual Step-Up Death Benefit (0.85% for amounts held in the
  American Funds(R) investment divisions and for amounts held in the maximum
guaranteed Separate Account charge investment divisions) after you have 
held the Contract for seven years.                                      

/6/ You may not have the Guaranteed Minimum Income Benefit and the Lifetime     
Withdrawal Benefit in effect at the same time.                          

The charge for the Guaranteed Minimum Income Benefit is a percentage of 
 your guaranteed minimum income base, as defined later in this Prospectus,
  and is deducted at the end of each Contract Year by withdrawing amounts on
a pro-rata basis from your Fixed Interest Account balance (net of any   
  outstanding loans) and Separate Account balance. (We take amounts from the
 Separate Account by canceling, if available, accumulation units from your
 Separate Account.) You do not pay this charge once you are in the pay-out
   phase of your Contract. Different charges for the Guaranteed Minimum Income
Benefit were in effect prior to May 4, 2009.                            

/7/ The charge for the Lifetime Withdrawal Guarantee Benefit is a percentage of 
your Total Guaranteed Withdrawal Amount, as defined later in this       
   Prospectus, and is deducted at the end of each Contract Year by withdrawing
amounts on a pro-rata basis from your Fixed Interest Account balance and
Separate Account balance. (We take amounts from the Separate Account by 
canceling accumulation units from your Separate Account balance.) You do
not pay this charge once you are in the payout phase of your Contract or
  after your rider terminates. If an Automatic Annual Step-Up occurs under a
Lifetime Withdrawal Guarantee Benefit, we may increase the Lifetime     
Withdrawal Guarantee Benefit charge to then current charge, but no more 
than a maximum of 0.95%. Different charges for the Lifetime Withdrawal  
  Guarantee Benefit were in effect prior to May 4, 2009. If, at the time the
Contract was issued, the current charge for the benefit was equal to the
 maximum charge, then the charge for the benefit will not increase upon an
Automatic Annual Step-Up. (See Lifetime Withdrawal Guarantee Benefit for
more information.)                                                      

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

The third table shows the minimum and maximum total operating expenses charged  
by the Portfolios, as well as the operating expenses for each Portfolio, that   
you may bear periodically while you hold the Deferred Annuity. All the          
Portfolios listed below are Class B except for the Portfolios of the American   
Funds(R), which are Class 2 Portfolios, American Funds(R) Balanced Allocation   
Portfolio, American Funds(R) Growth Allocation Portfolio and American Funds(R)  
Moderate Allocation Portfolio of the Met Investors Fund which are Class C       
Portfolios, and the Calvert VP SRI Balanced Portfolio. Certain Portfolios may   
impose a redemption fee in the future. More details concerning the Metropolitan 
Fund, the Calvert Fund, the Met Investors Fund and the American Funds(R) fees   
and expenses are contained in their respective prospectuses. Current            
prospectuses for the Portfolios can be obtained by calling 800-638-7732.        

Minimum and Maximum Total Annual Fund Operating Expenses                    

                                                                [Download Table]
                                                                    

Total Annual American Funds(R), Calvert Fund, Met   Minimum* Maximum
Investors Fund and Metropolitan Fund Operating        0.52%         
Expenses for the fiscal year ending December 31,               1.32%
2010 (expenses that are deducted from Fund assets,                  
including management fees, distribution and/or                      
service (12b-1) fees and other expenses).                           

 * Does not take into consideration any American Funds(R) Portfolio, for which
an additional separate account charge applies.                          

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  AMERICAN FUNDS(R)--CLASS 2 ANNUAL EXPENSES FOR                                                                           
  FISCAL YEAR ENDING DECEMBER 31, 2010                                                                                     
(as a percentage of average daily net assets)                                                                              
                                                         DISTRIBUTION          ACQUIRED   TOTAL   CONTRACTUAL FEE NET TOTAL
                                                            AND/OR               FUND    ANNUAL    WAIVER AND/OR   ANNUAL  
                                              MANAGEMENT   SERVICE     OTHER   FEES AND OPERATING     EXPENSE     OPERATING
                                                 FEE     (12B-1) FEES EXPENSES EXPENSES EXPENSES   REIMBURSEMENT  EXPENSES 
---------------------------------------------------------------------------------------------------------------------------
                                                                                                                           
American Funds Bond Fund.....................    0.37%       0.25%      0.01%     --      0.63%         --          0.63%  
American Funds Global Small Capitalization                                                                                 
  Fund.......................................    0.71%       0.25%      0.04%     --      1.00%         --          1.00%  
American Funds Growth Fund...................    0.32%       0.25%      0.02%     --      0.59%         --          0.59%  
American Funds Growth-Income Fund............    0.27%       0.25%      0.02%     --      0.54%         --          0.54%  
                                                                                                  -------------------------

                                                        [Enlarge/Download Table]

  CALVERT FUND ANNUAL EXPENSES FOR FISCAL YEAR                                                                             
  ENDING DECEMBER 31, 2010                                                                                                 
(as a percentage of average daily net assets)                                                                              
                                                         DISTRIBUTION          ACQUIRED   TOTAL   CONTRACTUAL FEE NET TOTAL
                                                            AND/OR               FUND    ANNUAL    WAIVER AND/OR   ANNUAL  
                                              MANAGEMENT   SERVICE     OTHER   FEES AND OPERATING     EXPENSE     OPERATING
                                                 FEE     (12B-1) FEES EXPENSES EXPENSES EXPENSES   REIMBURSEMENT  EXPENSES 
---------------------------------------------------------------------------------------------------------------------------
                                                                                                                           
Calvert VP SRI Balanced Portfolio............    0.70%        --        0.21%     --      0.91%         --          0.91%  
                                                                                                  -------------------------

                                                        [Enlarge/Download Table]

  MET INVESTORS FUND ANNUAL EXPENSES FOR FISCAL                                                                               
  YEAR ENDING DECEMBER 31, 2010                                                                                               
(as a percentage of average daily net assets)                                                                                 
                                                         DISTRIBUTION          ACQUIRED   TOTAL   CONTRACTUAL FEE NET TOTAL   
                                                            AND/OR               FUND    ANNUAL    WAIVER AND/OR   ANNUAL     
                                              MANAGEMENT   SERVICE     OTHER   FEES AND OPERATING     EXPENSE     OPERATING   
                                                 FEE     (12B-1) FEES EXPENSES EXPENSES EXPENSES   REIMBURSEMENT  EXPENSES    
------------------------------------------------------------------------------------------------------------------------------
                                                                                                                              
American Funds(R) Balanced Allocation                                                                                         
  Portfolio -- Class C.......................    0.06%       0.55%      0.02%    0.38%    1.01%          --         1.01%     
American Funds(R) Growth Allocation                                                                                           
  Portfolio -- Class C.......................    0.07%       0.55%      0.02%    0.38%    1.02%          --         1.02%     
American Funds(R) Moderate Allocation                                                                                         
  Portfolio -- Class C.......................    0.07%       0.55%      0.02%    0.37%    1.01%          --         1.01%     
BlackRock Large Cap Core Portfolio -- Class B    0.59%       0.25%      0.05%      --     0.89%          --         0.89%     
Clarion Global Real Estate Portfolio --                                                                                       
  Class B....................................    0.62%       0.25%      0.07%      --     0.94%          --         0.94%     
Harris Oakmark International Portfolio --                                                                                     
  Class B....................................    0.78%       0.25%      0.07%      --     1.10%        0.01%        1.09%/1/  
Invesco Small Cap Growth Portfolio -- Class B    0.85%       0.25%      0.04%      --     1.14%        0.02%        1.12%/2/  
Janus Forty Portfolio -- Class B.............    0.63%       0.25%      0.04%      --     0.92%          --         0.92%     
Lazard Mid Cap Portfolio -- Class B..........    0.69%       0.25%      0.04%      --     0.98%          --         0.98%     
Lord Abbett Bond Debenture Portfolio --                                                                                       
  Class B....................................    0.50%       0.25%      0.03%      --     0.78%          --         0.78%     
Met/Franklin Income Portfolio -- Class B.....    0.76%       0.25%      0.09%      --     1.10%        0.09%        1.01%/3/  
Met/Franklin Low Duration Total Return                                                                                        
  Portfolio -- Class B.......................    0.51%       0.25%      0.14%      --     0.90%        0.03%        0.87%     
Met/Franklin Mutual Shares Portfolio --                                                                                       
  Class B....................................    0.80%       0.25%      0.08%      --     1.13%          --         1.13%     
Met/Franklin Templeton Founding Strategy                                                                                      
  Portfolio -- Class B.......................    0.05%       0.25%      0.02%    0.81%    1.13%        0.02%        1.11%/4/  
Met/Templeton Growth Portfolio -- Class B....    0.69%       0.25%      0.13%      --     1.07%        0.02%        1.05%/5,6/
MetLife Aggressive Strategy Portfolio --                                                                                      
  Class B....................................    0.09%       0.25%      0.02%    0.74%    1.10%        0.01%        1.09%/7/  
MFS(R) Research International Portfolio --                                                                                    
  Class B....................................    0.69%       0.25%      0.09%      --     1.03%        0.03%        1.00%/8/  
Morgan Stanley Mid Cap Growth Portfolio --                                                                                    
  Class B....................................    0.66%       0.25%      0.14%      --     1.05%        0.02%        1.03%/9/  
Oppenheimer Capital Appreciation Portfolio                                                                                    
  -- Class B.................................    0.60%       0.25%      0.06%      --     0.91%          --         0.91%     
PIMCO Inflation Protected Bond Portfolio --                                                                                   
  Class B....................................    0.47%       0.25%      0.04%      --     0.76%          --         0.76%     
PIMCO Total Return Portfolio -- Class B......    0.48%       0.25%      0.03%      --     0.76%          --         0.76%     
RCM Technology Portfolio -- Class B..........    0.88%       0.25%      0.09%      --     1.22%          --         1.22%     
                                                                                                  ----------------------------

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  MET INVESTORS FUND ANNUAL EXPENSES FOR FISCAL                                                                            
  YEAR ENDING DECEMBER 31, 2010                                                                                            
(as a percentage of average daily net assets)                                                                              
                                                         DISTRIBUTION          ACQUIRED   TOTAL   CONTRACTUAL FEE NET TOTAL
                                                            AND/OR               FUND    ANNUAL    WAIVER AND/OR   ANNUAL  
                                              MANAGEMENT   SERVICE     OTHER   FEES AND OPERATING     EXPENSE     OPERATING
                                                 FEE     (12B-1) FEES EXPENSES EXPENSES EXPENSES   REIMBURSEMENT  EXPENSES 
---------------------------------------------------------------------------------------------------------------------------
                                                                                                                           
SSgA Growth and Income ETF Portfolio --                                                                                    
  Class B....................................    0.31%       0.25%      0.02%    0.28%    0.86%         --          0.86%  
SSgA Growth ETF Portfolio -- Class B.........    0.33%       0.25%      0.03%    0.27%    0.88%         --          0.88%  
T. Rowe Price Mid Cap Growth Portfolio --                                                                                  
  Class B....................................    0.75%       0.25%      0.04%      --     1.04%         --          1.04%  
Third Avenue Small Cap Value Portfolio --                                                                                  
  Class B....................................    0.74%       0.25%      0.04%      --     1.03%         --          1.03%  
                                                                                                  -------------------------

                                                        [Enlarge/Download Table]

  METROPOLITAN FUND--CLASS B ANNUAL EXPENSES FOR                                                                             
  FISCAL YEAR ENDING DECEMBER 31, 2010                                                                                       
(as a percentage of average daily net assets)                                                                                
                                                         DISTRIBUTION          ACQUIRED   TOTAL   CONTRACTUAL FEE NET TOTAL  
                                                            AND/OR               FUND    ANNUAL    WAIVER AND/OR   ANNUAL    
                                              MANAGEMENT   SERVICE     OTHER   FEES AND OPERATING     EXPENSE     OPERATING  
                                                 FEE     (12B-1) FEES EXPENSES EXPENSES EXPENSES   REIMBURSEMENT  EXPENSES   
-----------------------------------------------------------------------------------------------------------------------------
                                                                                                                             
Barclays Capital Aggregate Bond Index                                                                                        
  Portfolio..................................    0.25%       0.25%      0.03%      --     0.53%        0.01%        0.52%/10/
BlackRock Bond Income Portfolio..............    0.37%       0.25%      0.03%      --     0.65%        0.03%        0.62%/11/
BlackRock Large Cap Value Portfolio..........    0.63%       0.25%      0.02%      --     0.90%        0.03%        0.87%/12/
BlackRock Legacy Large Cap Growth Portfolio..    0.73%       0.25%      0.04%      --     1.02%        0.02%        1.00%/13/
Davis Venture Value Portfolio................    0.70%       0.25%      0.03%      --     0.98%        0.05%        0.93%/14/
FI Value Leaders Portfolio...................    0.67%       0.25%      0.06%      --     0.98%          --         0.98%    
Loomis Sayles Small Cap Core Portfolio.......    0.90%       0.25%      0.06%      --     1.21%        0.05%        1.16%/15/
Loomis Sayles Small Cap Growth Portfolio.....    0.90%       0.25%      0.17%      --     1.32%        0.05%        1.27%/16/
Met/Artisan Mid Cap Value Portfolio..........    0.81%       0.25%      0.03%      --     1.09%          --         1.09%    
MetLife Conservative Allocation Portfolio....    0.10%       0.25%      0.01%    0.55%    0.91%        0.01%        0.90%/17/
MetLife Conservative to Moderate Allocation                                                                                  
  Portfolio..................................    0.08%       0.25%      0.02%    0.61%    0.96%          --         0.96%    
MetLife Mid Cap Stock Index Portfolio........    0.25%       0.25%      0.06%    0.01%    0.57%          --         0.57%    
MetLife Moderate Allocation Portfolio........    0.06%       0.25%        --     0.66%    0.97%          --         0.97%    
MetLife Moderate to Aggressive Allocation                                                                                    
  Portfolio..................................    0.06%       0.25%      0.01%    0.71%    1.03%          --         1.03%    
MetLife Stock Index Portfolio................    0.25%       0.25%      0.02%      --     0.52%        0.01%        0.51%/10/
MFS(R) Total Return Portfolio................    0.54%       0.25%      0.04%      --     0.83%          --         0.83%    
MFS(R) Value Portfolio.......................    0.71%       0.25%      0.02%      --     0.98%        0.11%        0.87%/18/
Morgan Stanley EAFE(R) Index Portfolio.......    0.30%       0.25%      0.11%    0.01%    0.67%          --         0.67%    
Neuberger Berman Genesis Portfolio...........    0.83%       0.25%      0.06%      --     1.14%        0.02%        1.12%/19/
Neuberger Berman Mid Cap Value Portfolio.....    0.65%       0.25%      0.05%      --     0.95%          --         0.95%    
Russell 2000(R) Index Portfolio..............    0.25%       0.25%      0.07%    0.01%    0.58%          --         0.58%    
T. Rowe Price Large Cap Growth Portfolio.....    0.60%       0.25%      0.04%      --     0.89%          --         0.89%    
T. Rowe Price Small Cap Growth Portfolio.....    0.50%       0.25%      0.07%      --     0.82%          --         0.82%    
Western Asset Management Strategic Bond                                                                                      
  Opportunities Portfolio....................    0.62%       0.25%      0.05%      --     0.92%        0.04%        0.88%/20/
Western Asset Management U.S. Government                                                                                     
  Portfolio..................................    0.47%       0.25%      0.03%      --     0.75%        0.01%        0.74%/21/
                                                                                                  ---------------------------

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   Certain Portfolios that have "Acquired Fund Fees and Expenses" are "fund of
funds." Each "fund of funds" invests substantially all of its assets in 
other portfolios. Because the Portfolio invests in other underlying     
 portfolios, the Portfolio will bear its pro rata portion of the operating
expenses of the underlying portfolios in which it invests, including the
management fee. See the underlying fund prospectus for more information.

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

/1/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
   Portfolio to the annual rate of 0.725% of the Portfolio's average daily net
assets exceeding $1 billion. This arrangement may be modified or        
   discontinued prior to April 30, 2012 only with the approval of the Board of
Trustees of the Portfolio.                                              

/2/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
  Portfolio to the annual rate of 0.83% of the Portfolio's average daily net
  assets from $250 million to $500 million. This arrangement may be modified
   or discontinued prior to April 30, 2012 only with the approval of the Board
of Trustees of the Portfolio.                                           

/3/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
   through April 30, 2012, to waive a portion of its management fee reflecting
the difference, if any, between the subadvisory fee payable by MetLife  
   Advisers, LLC to the Portfolio's subadviser that is calculated based solely
on the assets of the Portfolio and the fee that is calculated when the  
 Portfolio's assets are aggregated with those of certain other portfolios.
 This arrangement may be modified or discontinued prior to April 30, 2012,
only with the approval of the Board of Trustees of the Portfolio.       

/4/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
   to April 30, 2012, to limit its fee and to reimburse expenses to the extent
necessary to limit net operating expenses to 0.05%, excluding 12b-1 fees
and acquired fund fees and expenses. This arrangement may be modified or
   discontinued prior to April 30, 2012 only with the approval of the Board of
Trustees of the Portfolio.                                              

/5/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
   to April 30, 2012, to limit its fee and to reimburse expenses to the extent
 necessary to limit net operating expenses to 0.80%, excluding 12b-1 fees.
This arrangement may be modified or discontinued prior to April 30, 2012
only with the approval of the Board of Trustees of the Portfolio.       

/6/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
   through April 30, 2012, to waive a portion of the Management Fee reflecting
  the difference, if any, between the subadvisory fee payable by the Adviser
to the Subadviser that is calculated based solely on the assets of the  
Portfolio and the fee that is calculated when the Portfolio's assets are
  aggregated with those of certain other portfolios. This arrangement may be
   modified or discontinued prior to April 30, 2012, only with the approval of
the Board of Trustees of the Portfolio.                                 

/7/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
   to April 30, 2012, to limit its fee and to reimburse expenses to the extent
necessary to limit net operating expenses to 0.10%, excluding 12b-1 fees
and acquired fund fees and expenses. This arrangement may be modified or
   discontinued prior to April 30, 2012 only with the approval of the Board of
Trustees of the Portfolio.                                              

/8/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
  Portfolio to the annual rate of 0.55% of the Portfolio's average daily net
assets exceeding $1.5 billion. This arrangement may be modified or      
   discontinued prior to April 30, 2012 only with the approval of the Board of
Trustees of the Portfolio.                                              

/9/ MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.65% of the first $500 million of the  
 Portfolio's average daily net assets plus 0.625% of such assets over $500
million. This arrangement may be modified or discontinued prior to      
April 30, 2012 only with the approval of the Board of Trustees of the   
Portfolio.                                                              

/10/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.245% for the amounts over $500 million
but less than $1 billion, 0.24% for the next $1 billion and 0.235% on   
 amounts over $2 billion. This arrangement may be modified or discontinued
 prior to April 30, 2012, only with the approval of the Board of Directors
of the Portfolio.                                                       

/11/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.37% for the first $1 billion of the   
  Portfolio's average daily net assets, 0.325% for the next $2.4 billion and
0.25% on amounts over $3.4 billion. This arrangement may be modified or 
 discontinued prior to April 30, 2012, only with the approval of the Board
of Directors of the Portfolio.                                          

/12/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.68% for the first $250 million of the 
Portfolio's average daily net assets, 0.625% for the next $500 million, 
 0.60% for the next $250 million and 0.55% on amounts over $1billion. This
 arrangement may be modified or discontinued prior to April 30, 2012, only
with the approval of the Board of Directors of the Portfolio.           

/13/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.705% for the amounts over $300 million
  but less than $1 billion. This arrangement may be modified or discontinued
 prior to April 30, 2012, only with the approval of the Board of Directors
of the Portfolio.                                                       

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/14/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.75% for the first $50 million of the  
Portfolio's average daily net assets, 0.70% for the next $450 million,  
   0.65% for the next $4 billion and 0.625% on amounts over $4.5 billion. This
 arrangement may be modified or discontinued prior to April 30, 2012, only
with the approval of the Board of Directors of the Portfolio.           

/15/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.85% for the first $500 million of the 
Portfolio's average daily net assets and 0.80% on amounts over $500     
million. This arrangement may be modified or discontinued prior to      
April 30, 2012, only with the approval of the Board of Directors of the 
Portfolio.                                                              

/16/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.85% for the first $100 million of the 
Portfolio's average daily net assets and 0.80% on amounts over $100     
million. This arrangement may be modified or discontinued prior to      
April 30, 2012, only with the approval of the Board of Directors of the 
Portfolio.                                                              

/17/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
through April 30, 2012, to waive fees or pay all expenses (other than   
 acquired fund fees and expenses, brokerage costs, taxes, interest and any
 extraordinary expenses) so as to limit net operating expenses (other than
 acquired fund fees and expenses, brokerage costs, taxes, interest and any
extraordinary expenses) of each Class of the Portfolio to 0.10% of the  
average daily net assets of the Class A shares and 0.35% of the average 
   daily net assets of the Class B shares. This arrangement may be modified or
 discontinued prior to April 30, 2012, only with the approval of the Board
of Directors of the Portfolio.                                          

/18/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.65% for the first $1.25 billion of the
 Portfolio's average daily net assets, 0.60% for the next $250 million and
0.50% on amounts over $1.5 billion. This arrangement may be modified or 
 discontinued prior to April 30, 2012, only with the approval of the Board
of Directors of the Portfolio.                                          

/19/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.825% for the first $500 million of the
 Portfolio's average daily net assets. This arrangement may be modified or
 discontinued prior to April 30, 2012, only with the approval of the Board
of Directors of the Portfolio.                                          

/20/MetLife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
Portfolio to the annual rate of 0.595% for the first $500 million of the
 Portfolio's average daily net assets. This arrangement may be modified or
 discontinued prior to April 30, 2012, only with the approval of the Board
of Directors of the Portfolio                                           

/21/Metlife Advisers, LLC has contractually agreed, for the period May 1, 2011  
  through April 30, 2012, to reduce the Management Fee for each Class of the
   Portfolio to the annual rate of 0.50% for the amounts over $200 million but
less than $500 million. This arrangement may be modified or discontinued
 prior to April 30, 2012, only with the approval of the Board of Directors
of the Portfolio.                                                       

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,         
annual contract fees, if any, separate account charges, and underlying      
Portfolio fees and expenses.                                                

Examples 1 and 2 assume you purchased the Contract with optional            
benefits that resulted in the highest possible combination of charges.      
Examples 3 and 4 assume you purchased the Contract with no optional         
benefits that resulted in the least expensive combination of charges.       
Example 1.  This example shows the dollar amount of expenses that you       
would bear directly or indirectly on a $ 10,000 investment for the time     
periods indicated. Your actual costs may be higher or lower.                
Assumptions:                                                                
.  your Account balance is $16,000 (for purposes of determining the           
impact of the Annual Contract Fee);                                     
.  there was no allocation to the Fixed Interest Account;                     
.  you bear the minimum or maximum fees and expenses of any of the            
Portfolios (without reimbursement and/or waiver of expenses);           
.  you select the e Class;                                                    
.  the underlying Portfolio earns a 5% annual return;                         
.  you select the Annual Step-Up Death Benefit; and                           
.  you select the Lifetime Withdrawal Guarantee Benefit.                      

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You fully surrender your Contract, you elect to annuitize (select an income 
payment type under which you receive income payments over your lifetime) or 
you do not elect to annuitize (no withdrawal charges apply to the e Class). 

                                                                [Download Table]

          1     3     5     10   
         YEAR YEARS YEARS  YEARS 
---------------------------------
                                 
Maximum. $313 $967  $1,658 $3,565
Minimum. $233 $724  $1,252 $2,751

Example 2.  This example shows the dollar amount of expenses that you       
would bear directly or indirectly on a $10,000 investment for the time      
periods indicated. Your actual costs may be higher or lower.                
Assumptions:                                                                
.  your Account balance is $16,000 (for purposes of determining the           
impact of the Annual Contract Fee);                                     
.  there was no allocation to the Fixed Interest Account;                     
.  you bear the minimum or maximum fees and expenses of any of the            
Portfolios (without reimbursement and/or waiver of expenses);           
.  you select the e Bonus Class;                                              
.  the underlying Portfolio earns a 5% annual return;                         
.  you select the Annual Step-Up Death Benefit; and                           
.  you select the Lifetime Withdrawal Guarantee Benefit.                      

  You fully surrender your Contract with applicable withdrawal charges deducted.

                                                                [Download Table]

          1     3      5     10   
         YEAR YEARS  YEARS  YEARS 
----------------------------------
                                  
Maximum. $663 $1,382 $2,167 $3,992
Minimum. $585 $1,149 $1,783 $3,218

 You do not surrender your Contract or you elect to annuitize (elect a pay-out
option with an income payment type under which you receive income payments  
over your lifetime) (no withdrawal charges will be deducted).               

                                                                [Download Table]

          1     3      5     10   
         YEAR YEARS  YEARS  YEARS 
----------------------------------
                                  
Maximum. $358 $1,101 $1,879 $3,992
Minimum. $278   $862 $1,483 $3,218

Example 3.  This example shows the dollar amount of expenses that you       
would bear directly or indirectly on a $10,000 investment for the time      
periods indicated. Your actual costs may be higher or lower.                
Assumptions:                                                                
.  your total Account Balance is $16,000 (for purposes of determining the     
impact of the Annual Contract Fee);                                     
.  there was no allocation to the Fixed Interest Account;                     
.  you bear the minimum or maximum fees and expenses of any of the            
Portfolios (without reimbursement and/or waiver of expenses);           
.  you select the e Class; and                                                
.  the underlying Portfolio earns a 5% annual return.                         

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You fully surrender your Contract, you elect to annuitize (select on income 
payment type under which you receive payments over your lifetime) or you do 
not elect to annuitize (no withdrawal charges apply to the e Class).        

                                                                [Download Table]


                                                    1     3     5     10   
                                                   YEAR YEARS YEARS  YEARS 
---------------------------------------------------------------------------
                                                                           
Maximum........................................... $204 $629  $1,079 $2,325
Minimum........................................... $123 $383    $663 $1,459

Example 4.  This example shows the dollar amount of expenses that you       
would bear directly or indirectly on a $10,000 investment for the time      
periods indicated. Your actual costs may be higher or lower.                
Assumptions:                                                                
.  your total Account Balance is $16,000 (for purposes of determining the     
impact of the Annual Contract Fee);                                     
.  there was no allocation to the Fixed Interest Account;                     
.  you bear the minimum or maximum fees and expenses of any of the            
Portfolios (without reimbursement and/or waiver of expenses);           
.  you select the e Bonus Class; and                                          
.  the underlying Portfolio earns a 5% annual return.                         

You surrender your Contract with applicable charges deducted.               

                                                                [Download Table]


                                                    1     3      5     10   
                                                   YEAR YEARS  YEARS  YEARS 
----------------------------------------------------------------------------
                                                                            
Maximum........................................... $556 $1,055 $1,611 $2,781
Minimum........................................... $478   $819 $1,216 $1,956

 You do not surrender your Contract or you elect to annuitize (elect a pay-out
option with an income payment type under which you receive income payments  
over your lifetime) (no withdrawal charges will be deducted).               

                                                                [Download Table]


                                                    1     3     5     10   
                                                   YEAR YEARS YEARS  YEARS 
---------------------------------------------------------------------------
                                                                           
Maximum........................................... $249 $765  $1,306 $2,781
Minimum........................................... $168 $522    $899 $1,956

ACCUMULATION UNIT VALUES FOR EACH INVESTMENT DIVISION                     

see Appendix III                                                  

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METLIFE                                                                         

   Metropolitan Life Insurance Company and its subsidiaries (collectively,
   "MLIC" or the "Company") is a leading provider of insurance, annuities,
and employee benefits programs with operations throughout the United
States. The Company offers life insurance and annuities to individuals, as well 
as group insurance and retirement & savings products and services to            
corporations and other institutions. The Company was formed under the laws of   
New York in 1868. The Company's home office is located at 200 Park Avenue, New  
York, New York 10166-0188. The Company is a wholly-owned subsidiary of MetLife, 
Inc. MetLife, Inc. is a leading global provider of insurance, annuities and     
employee benefit programs, serving 90 million customers in over 60 countries.   
Through its subsidiaries and affiliates, MetLife, Inc. holds leading market     
positions in the United States, Japan, Latin America, Asia Pacific, Europe and  
the Middle East.                                                                

METROPOLITAN LIFE                                                               

SEPARATE ACCOUNT E                                                              

  We established Metropolitan Life Separate Account E on September 27,
      1983. The purpose of the Separate Account is to hold the variable assets
 that underlie the MetLife Financial Freedom Select Variable Annuity
Contracts and some other variable annuity contracts we issue. We have           
registered the Separate Account with the Securities and Exchange Commission as  
a unit investment trust under the Investment Company Act of 1940, as amended    
(the "1940 Act").                                                               

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 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 Minimum Income Benefit, or optional Guaranteed     
Withdrawal Benefit that exceeds the assets in the Separate Account are also     
paid from our general account. Benefit amounts paid from the general account    
are subject to the financial strength and claims paying ability of the Company  
and our long term 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 is regulated as an     
insurance company under state law, which includes, generally, limits on the     
amount and type of investments in its general account. However, there is no     
guarantee that we will be able to meet our claims paying obligations; there are 
risks to purchasing any insurance product.                                      

VARIABLE ANNUITIES                                                              

 This Prospectus describes a type of variable annuity, a Deferred Annuity.
  These annuities are "variable" because the value of your account or income
payment varies based on the investment performance of the investment    
divisions you choose. In short, the value of your Deferred Annuity and your     
income payments under a variable pay-out option of your Deferred Annuity may go 
up or down. Since the investment performance is not guaranteed, your money is   
at risk. The degree of risk will depend on the investment divisions you select. 
The Accumulation Unit Value or Annuity Unit Value for each investment division  
rises or falls based on the investment performance (or "experience") of the     
Portfolio with the same name. MetLife and its affiliates also offer other       
annuities not described in this Prospectus.                                     

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The Deferred Annuities have a fixed interest rate option called the "Fixed      
Interest Account." The Fixed Interest Account is not available to all contract  
owners. The Fixed Interest Account offers an interest rate that is guaranteed   
by us (the current minimum rate on the Fixed Interest Account is 3% but may be  
lower based on your state and issue date and, therefore, may be lower for       
certain Contracts). The Fixed Interest Account is not available with a Deferred 
Annuity issued in New York State with the optional Guaranteed Minimum Income    
Benefit. The variable pay-out options under the Deferred Annuities have a fixed 
payment option called the "Fixed Income Option." Under the Fixed Income Option, 
we guarantee the amount of your fixed income payments. These fixed options are  
not described in this Prospectus although we occasionally refer to them.        

REPLACEMENT OF ANNUITY CONTRACTS                                                

EXCHANGE PROGRAMS:  From time to time we may offer programs under which certain 
fixed or variable annuity contracts previously issued by us may be exchanged    
for the Deferred Annuity offered by this Prospectus. Currently, with respect to 
exchanges from certain of our variable annuity contracts to this Deferred       
Annuity, an existing contract is eligible for exchange if a withdrawal from, or 
surrender of, the contract would not trigger a withdrawal charge. The Account   
Balance of this Deferred Annuity attributable to the exchanged assets will not  
be subject to any withdrawal charge. Any additional purchase payments           
contributed to the new Deferred Annuity will be subject to all fees and         
charges, including the withdrawal charge described in the current Prospectus    
for the new Deferred Annuity. 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 (E.G., the death      
benefit charges, the living benefit charges, and the separate account charge)   
of your current contract to the fees and charges of the new Contract, which may 
be higher than your current contract. These programs 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 change 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 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 Deferred Annuity Contract. Other charges may   
be higher (or lower) and the benefits may be different. Also, because we will   
not issue the Deferred Annuity Contract until we have received the initial      
purchase payment from your existing insurance company, the issuance of the      
contract may be delayed. Generally, it is not advisable to purchase a Deferred  
Annuity Contract as a replacement for an existing variable annuity contract.    
Before you exchange another annuity for our Deferred Annuity Contract, ask your 
registered representative whether the exchange would be advantageous, given the 
contract features, benefits and charges.                                        

THE DEFERRED ANNUITY                                                            

  You accumulate money in your account during the pay-in phase by making one
or more purchase payments. MetLife will hold your money and credit      
investment returns as long as the money remains in your account.        

All TSA plans (ERISA and non-ERISA), IRAs (including SEPs and SIMPLE IRAs),     
457(b) plans and 403(a) arrangements receive tax deferral under the Internal    
Revenue Code. There are no additional tax benefits from funding TSA ERISA or    
non-ERISA plans, IRAs (including SEPs and SIMPLE IRAs), 457(b) plans and 403(a) 
arrangements with a Deferred Annuity. Therefore, there should be reasons other  
than tax deferral for acquiring the Deferred Annuity, such as the availability  
of a guaranteed income for life, the death benefits or the other optional       
benefits available under this Deferred Annuity.                                 

Under the Internal Revenue Code ("Code"), spousal continuation and certain      
distribution options are available only to a person who is defined as a         
"spouse" under the Federal Defense of Marriage Act or other applicable Federal  
law. All Contract provisions will be interpreted and administered in accordance 
with the requirements of the Code. Therefore,                                   

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under current Federal law, a purchaser who has or is contemplating a civil      
union or same-sex marriage should note that the favorable tax treatment         
afforded under Federal law would not be available to such same-sex partner or   
same-sex spouse. Same-sex partners or spouses who own or are considering the    
purchase of annuity products that provide benefits based upon status as a       
spouse should consult a tax advisor.                                            

A Deferred Annuity consists of two phases: the accumulation or "pay-in" phase   
and the income or "pay-out" phase. The pay-out phase begins when you either     
take all of your money out of the account or elect income payments using the    
money in your account. The number and the amount of the income payments you     
receive will depend on such things as the type of pay-out option you choose,    
your investment choices, and the amount used to provide your income payments.   
Because Deferred Annuities offer the insurance benefit of income payment        
options, including our guarantee of income for your lifetime, they are          
"annuities."                                                                    

The Deferred Annuity is offered in this Prospectus in two variations, which we  
call "classes." Your employer, association or other group contract holder may   
limit the availability of certain classes. If available, only the e Class is    
available to the 457(b) Deferred Annuity issued to state and local governments  
in New York State. We also offer other classes of the Deferred Annuity. Each    
has its own Separate Account charge and applicable withdrawal charge (except e  
Class which has no withdrawal charge). The Deferred Annuity also offers you the 
opportunity to choose optional benefits, each for a charge in addition to the   
Separate Account charge with the Standard Death Benefit for that class. If you  
purchase the optional death benefit you receive the optional benefit in place   
of the Standard Death Benefit. In deciding what class of the Deferred Annuity   
to purchase, you should consider the amount of Separate Account and withdrawal  
charges you are willing to bear relative to your needs. In deciding whether to  
purchase the optional benefits, you should consider the desirability of the     
benefit relative to its additional cost and to your needs. Unless you tell us   
otherwise, we will assume that you are purchasing the e Class Deferred Annuity  
with the Standard Death Benefit and no optional benefits. These optional        
benefits are:                                                                   

..   an Annual Step-Up Death Benefit;                                           

..   Guaranteed Minimum Income Benefit; and                                     

..   a Lifetime Withdrawal Guarantee Benefit.                                   

Each of these optional benefits is described in more detail later in this       
Prospectus. Optional benefits may not be available in all states.               

We may restrict the investment choices available to you if you select certain   
optional benefits. These restrictions are intended to reduce the risk of        
investment losses which could require the Company to use its general account    
assets to pay amounts due under the selected optional benefit.                  

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.             

We make available other classes of the Deferred Annuity based upon the          
characteristics of the group. Such characteristics include, but are not limited 
to, the nature of the group, size, aggregate amount of anticipated purchase     
payments or anticipated persistency. The availability of other classes to       
contract owners will be made in a reasonable manner and will not be unfairly    
discriminatory to the interests of any contract owner.                          

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CLASSES OF THE DEFERRED ANNUITY                                                 

E CLASS                                                                         

The e Class has a 0.50% annual Separate Account charge (0.75% in the case of    
each American Funds(R) investment division) and no withdrawal charge. If you    
choose the optional death benefit, the Separate Account charge would be 0.60%,  
or in the case of each American Funds(R) investment division, 0.85%.            

THE E BONUS CLASS                                                               

You may purchase a Contract in the e Bonus Class before your 81st birthday.     
Under the e Bonus Class Deferred Annuity, we currently credit 3% to each of     
your purchase payments made during the first Contract Year, except for those    
purchase payments which consist of money from eligible rollover distributions   
or direct transfers from annuities and mutual funds that are products of        
MetLife or its affiliates. (For Deferred Annuities issued in Connecticut and    
certain other states, the credit also applies to purchase payments which        
consist of money from eligible rollover distributions or direct transfers from  
annuities or mutual funds that are products of MetLife or its affiliates.) You  
may only receive the 3% credit if you are less than 66 years old at date of     
issue. The Bonus will be applied on a pro-rata basis to the Fixed Interest      
Account, if available, and the investment divisions of the Separate Account     
based upon your allocation for your purchase payments at the time the purchase  
payment is credited. The e Bonus Class may not be available in all states. The  
e Bonus Class has a 0.95% annual Separate Account charge (1.20% in the case of  
each American Funds(R) investment division) and a seven year withdrawal charge  
on the amount withdrawn. The Separate Account charge with the Standard Death    
Benefit declines 0.45% to 0.50% (0.75% in the case of each American Funds(R)    
investment division) after you have held the Contract for seven years. If you   
choose the optional death benefit, the Separate Account charge would be 1.05%   
or, in the case of each American Funds(R) investment division, 1.30%. The       
Separate Account charge with the Annual Step-Up Death Benefit declines 0.45% to 
0.60% (0.85% in the case of each American Funds(R) investment division) after   
you have held the Contract for seven years.                                     

Investment returns for the e Bonus Class Deferred Annuity may be lower than     
those for the e Class Deferred Annuity if Separate Account investment           
performance is not sufficiently high to offset increased Separate Account       
charges for the e Bonus Class Deferred Annuity. (If the Fixed Interest Account  
is available, Fixed Interest Account rates for the e Bonus Class may be lower   
than those declared for the other classes.) Therefore, the choice between the e 
Bonus Class and the e Class Deferred Annuity is a judgment as to whether a      
higher Separate Account charge with a 3% credit is more advantageous than a     
lower Separate Account charge without the 3% credit.                            

There is no guarantee that the e Bonus Class Deferred Annuity will have higher  
returns than the e Class Deferred Annuity, the other classes of the Deferred    
Annuity, similar contracts without a bonus or any other investment. The Bonus   
will be credited only to purchase payments made during the first Contract Year, 
while the additional Separate Account charge of 0.45% for the Bonus will be     
assessed on all amounts in the Separate Account for the first seven years.      

The following table demonstrates contract values based upon hypothetical        
investment returns for a Deferred Annuity with the 3% credit (with and without  
the impact of a withdrawal charge) compared to a Contract without the Bonus.    
Both Deferred Annuities are assumed to have no optional benefits. The figures   
are based on:                                                                   

a)  a $50,000 initial purchase payment with no other purchase payments;         

b)  deduction of the Separate Account charge at a rate of 0.95% (0.50% in years 
    8-10) (e Bonus Class Deferred Annuity) and 0.50% (e Class Deferred Annuity);

c)  deduction of a withdrawal charge at a rate of 3% in years 1-7 with 10% of   
   the Account Balance free of such charge in years 2 through 7 (none in years
   8-10) (e Bonus Class Deferred Annuity) and none (e Class Deferred Annuity);
and                                                                     

d)  an assumed investment return for the investment choices before Separate     
Account charges of 7.30% for each of 10 years.                          

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

                                                         e Bonus Class (0.95% Separate Account                         
                                                          charge and 3% withdrawal charge for   e Class (0.50% Separate
                                     e Bonus Class       first 7 years with 10% of the Account    Account charge and   
                                (0.95% Separate Account  Balance free of such charge in years 2  no withdrawal charge  
Contract Year                  charge for first 7 years)               through 7)                     all years)       
-----------------------------------------------------------------------------------------------------------------------
                                                                                                                       
1                                       $54,770                         $53,127                         $53,400        
-----------------------------------------------------------------------------------------------------------------------
2                                       $58,248                         $56,675                         $57,031        
-----------------------------------------------------------------------------------------------------------------------
3                                       $61,947                         $60,274                         $60,909        
-----------------------------------------------------------------------------------------------------------------------
4                                       $65,881                         $64,102                         $65,051        
-----------------------------------------------------------------------------------------------------------------------
5                                       $70,064                         $68,172                         $69,475        
-----------------------------------------------------------------------------------------------------------------------
6                                       $74,513                         $72,501                         $74,199        
-----------------------------------------------------------------------------------------------------------------------
7                                       $79,245                         $77,105                         $79,244        
-----------------------------------------------------------------------------------------------------------------------
8                                       $84,633                         $84,633                         $84,633        
-----------------------------------------------------------------------------------------------------------------------
9                                       $90,388                         $90,388                         $90,388        
-----------------------------------------------------------------------------------------------------------------------
10                                      $96,535                         $96,535                         $96,534        
-----------------------------------------------------------------------------------------------------------------------

Generally, the higher the rate of return, the more advantageous the e Bonus     
Class is. The table above assumes no additional purchase payments are made      
after the first Contract Anniversary. If additional purchase payments were made 
to the Deferred Annuity, the rate of return would have to be higher in order to 
"break-even" by the end of the seventh year or the break-even point would       
otherwise occur sooner. The "break-even" point is when the Account Balance of   
an e Bonus Class Contract will equal the Account Balance of an e Class          
Contract, assuming equal initial purchase payments and a level rate of return,  
and thereafter, the Account Balance would be higher in the e Class Contract.    

The decision to elect the e Bonus Class is irrevocable. We may make a profit    
from the additional Separate Account charge and the withdrawal charge.          

The guaranteed annuity rates for the e Bonus Class are the same as those for    
the e Class of the Deferred Annuity. Current rates for the e Bonus Class may be 
lower than those for the e Class of the Deferred Annuity.                       

For the TSA Deferred Annuity, any 3% credit does not become yours until after   
the "free look" period; we retrieve it if you exercise the "free look". Your    
exercise of the "free look" is the only circumstance under which the 3% credit  
will be retrieved (commonly called "recapture"). We then will refund either     
your purchase payments or Account Balance, depending upon your state law. In    
the case of a refund of Account Balance, the refunded amount will include any   
investment performance on amounts attributable to the 3% credit. If there have  
been any losses from the investment performance on the amounts attributable to  
the 3% credit, we will bear that loss.                                          

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YOUR INVESTMENT CHOICES                                                         

The Metropolitan Fund, the Calvert Fund, the Met Investors Fund and the         
American Funds(R) and each of their Portfolios are more fully described in      
their respective prospectuses and SAIs. The SAIs are available upon your        
request. You should read these prospectuses carefully before making purchase    
payments to the investment divisions. Except for the Calvert Fund, all classes  
of shares available to the Deferred Annuities have a 12b-1 Plan fee.            

The investment choices are listed in alphabetical order below (based upon the   
Portfolios' legal names). (See Appendix IV Portfolio Legal and Marketing        
Names.) The investment divisions generally offer the opportunity for greater    
returns over the long term than our Fixed Interest Account. You should          
understand that each Portfolio incurs its own risk which will be dependent upon 
the investment decisions made by the respective Portfolio's investment manager. 
Furthermore, the name of a Portfolio may not be indicative of all the           
investments held by the Portfolio. The degree of investment risk you assume     
will depend on the investment divisions you choose. While the investment        
divisions and their comparably named Portfolios may have names, investment      
objectives and management which are identical or similar to publicly available  
mutual funds, these investment divisions and Portfolios are not those mutual    
funds. The Portfolios most likely will not have the same performance experience 
as any publicly available mutual fund. Since your Account Balance or income     
payments are subject to the risks associated with investing in stocks and       
bonds, your Account Balance or variable income payments based on amounts        
allocated to the investment divisions may go down as well as up.                

Each Portfolio has different investment objectives and risks. The Portfolio     
prospectuses contain more detailed information on each Portfolio's investment   
strategy, investment managers and its fees. You may obtain a Portfolio          
prospectus by calling 800-638-7732, or through your registered representative.  
We do not guarantee the investment results of the Portfolios.                   

METROPOLITAN FUND ASSET ALLOCATION PORTFOLIOS                                   

The MetLife Conservative Allocation Portfolio, the MetLife Conservative to      
Moderate Allocation Portfolio, the MetLife Moderate Allocation Portfolio and    
the MetLife Moderate to Aggressive Allocation Portfolio, also known as the      
"asset allocation portfolios", are "fund of funds" Portfolios that invest       
substantially all of their assets in other Portfolios of the Metropolitan Fund  
or the Met Investors Fund. Therefore, each of these asset allocation portfolios 
will bear its pro-rata share of the fees and expenses incurred by the           
underlying Portfolios in which it invests in addition to its own management     
fees and expenses. This will reduce the investment return of each of the asset  
allocation portfolios. The expense levels will vary over time, depending on the 
mix of underlying Portfolios in which the asset allocation portfolio invests.   
Contract owners may be able to realize lower aggregate expenses by investing    
directly in the underlying Portfolios instead of investing in the asset         
allocation portfolios. A contract owner who chooses to invest directly in the   
underlying Portfolios would not, however, receive asset allocation services     
provided by MetLife Advisers, LLC.                                              

MET INVESTORS FUND ASSET ALLOCATION PORTFOLIOS                                  

The American Funds(R) Balanced Allocation Portfolio, the American Funds(R)      
Growth Allocation Portfolio and the American Funds(R) Moderate Allocation       
Portfolio, also known as "asset allocation portfolios", are "funds of funds"    
Portfolios that invest substantially all of their assets in portfolios of the   
American Funds Insurance Series(R). Therefore, each of these asset allocation   
portfolios will bear its pro-rata share of the fees and expenses incurred by    
the underlying portfolio in which it invests in addition to its own management  
fees and expenses. This will reduce the investment return of each of the asset  
allocation portfolios. The expense levels will vary over time, depending on the 
mix of underlying portfolios in which the asset allocation portfolio invests.   
Underlying portfolios consist of American Funds(R) portfolios that are          
currently available for investment directly under the Contract and other        
underlying American Funds(R) portfolios which are not made available directly   
under the Contract.                                                             

The MetLife Aggressive Strategy Portfolio, also known as an "asset allocation   
portfolio", is a "fund of funds" Portfolio that invests substantially all of    
its assets in other Portfolios of the Metropolitan Fund or the Met Investors    
Fund. Therefore, this asset allocation portfolio will bear its pro-rata share   
of the fees and expenses incurred by the underlying Portfolio in which it       
invests in addition to its own management fees and expenses. This will reduce   
the investment return of the Portfolio.                                         

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The expense level will vary over time, depending on the mix of underlying       
Portfolios in which the MetLife Aggressive Strategy Portfolio invests. Contract 
owners may be able to realize lower aggregate expenses by investing directly in 
the underlying Portfolios instead of investing in this asset allocation         
portfolio. A Contract owner who chooses to invest directly in the underlying    
Portfolios would not however receive asset allocation services provided by      
MetLife Advisers, LLC.                                                          

MET/FRANKLIN TEMPLETON FOUNDING STRATEGY PORTFOLIO                              

The Met/Franklin Templeton Founding Strategy Portfolio is a "funds of funds"    
Portfolio that invests equally in three other portfolios of the Met Investors   
Fund: the Met/Franklin Income Portfolio, the Met/Franklin Mutual Shares         
Portfolio and the Met/Templeton Growth Portfolio. Because the Portfolio invests 
in other underlying portfolios, the Portfolio will bear its pro rata portion of 
the operating expenses of the underlying portfolios in which it invests,        
including the management fee.                                                   

EXCHANGE-TRADED FUNDS PORTFOLIOS                                                

The SSgA Growth ETF Portfolio and the SSgA Growth and Income ETF Portfolio are  
asset allocation Portfolios and "funds of funds" which invest substantially all 
of their assets in other investment companies known as exchange-traded funds    
("Underlying ETFs"). As an investor in an Underlying ETF or other investment    
company, each Portfolio also will bear its pro-rata portion of the fees and     
expenses incurred by the Underlying ETF or other investment company in which it 
invests in addition to its own management fees and expenses. This will reduce   
the investment return of each of the Portfolios. The expense levels will vary   
over time depending on the mix of Underlying ETFs in which these Portfolios     
invest.                                                                         

The current Portfolios are listed below, along with their investment manager    
and any sub-investment manager.                                                 

                                                        [Enlarge/Download Table]


                   PORTFOLIO                                   INVESTMENT OBJECTIVE               
                   ---------                                   --------------------               
                                                                                                  
                                                            AMERICAN FUNDS(R)                     
AMERICAN FUNDS BOND FUND                         SEEKS AS HIGH A LEVEL OF CURRENT INCOME AS IS    
                                                 CONSISTENT WITH THE PRESERVATION OF CAPITAL.     
AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION FUND  SEEKS LONG-TERM GROWTH OF CAPITAL.               
AMERICAN FUNDS GROWTH FUND                       SEEKS GROWTH OF CAPITAL.                         
AMERICAN FUNDS GROWTH-INCOME FUND                SEEKS LONG-TERM GROWTH OF CAPITAL AND            
                                                 INCOME.                                          
                                                               CALVERT FUND                       
CALVERT VP SRI BALANCED PORTFOLIO                SEEKS TO ACHIEVE A COMPETITIVE TOTAL RETURN      
                                                 THROUGH AN ACTIVELY MANAGED PORTFOLIO OF         
                                                 STOCKS, BONDS AND MONEY MARKET INSTRUMENTS       
                                                 WHICH OFFER INCOME AND CAPITAL GROWTH            
                                                 OPPORTUNITY AND WHICH SATISFY THE INVESTMENT     
                                                 CRITERIA, INCLUDING FINANCIAL, SUSTAINABILITY AND
                                                 SOCIAL RESPONSIBILITY FACTORS.                   
                                                            MET INVESTORS FUND                    
AMERICAN FUNDS(R) BALANCED ALLOCATION PORTFOLIO  SEEKS A BALANCE BETWEEN A HIGH LEVEL OF          
                                                 CURRENT INCOME AND GROWTH OF CAPITAL, WITH A     
                                                 GREATER EMPHASIS ON GROWTH OF CAPITAL.           
AMERICAN FUNDS(R) GROWTH ALLOCATION PORTFOLIO    SEEKS GROWTH OF CAPITAL.                         

AMERICAN FUNDS(R) MODERATE ALLOCATION PORTFOLIO  SEEKS A HIGH TOTAL RETURN IN THE FORM OF         
                                                 INCOME AND GROWTH OF CAPITAL, WITH A GREATER     
                                                 EMPHASIS ON INCOME.                              
BLACKROCK LARGE CAP CORE PORTFOLIO               SEEKS LONG-TERM CAPITAL GROWTH.                  

CLARION GLOBAL REAL ESTATE PORTFOLIO             SEEKS TOTAL RETURN THROUGH INVESTMENT IN REAL    
                                                 ESTATE SECURITIES, EMPHASIZING BOTH CAPITAL      
                                                 APPRECIATION AND CURRENT INCOME.                 

                                                        [Enlarge/Download Table]

                                                           INVESTMENT MANAGER/            
                   PORTFOLIO                              SUB-INVESTMENT MANAGER          
                   ---------                              ----------------------          
                                                                                          
                                                            AMERICAN FUNDS(R)             
AMERICAN FUNDS BOND FUND                         CAPITAL RESEARCH AND MANAGEMENT COMPANY  

AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION FUND  CAPITAL RESEARCH AND MANAGEMENT COMPANY  
AMERICAN FUNDS GROWTH FUND                       CAPITAL RESEARCH AND MANAGEMENT COMPANY  
AMERICAN FUNDS GROWTH-INCOME FUND                CAPITAL RESEARCH AND MANAGEMENT COMPANY  

                                                               CALVERT FUND               
CALVERT VP SRI BALANCED PORTFOLIO                CALVERT INVESTMENT MANAGEMENT, INC.      

                                                            MET INVESTORS FUND            
AMERICAN FUNDS(R) BALANCED ALLOCATION PORTFOLIO  METLIFE ADVISERS, LLC                    
                                                 SUB-INVESTMENT MANAGER: METLIFE ADVISERS,
                                                 LLC                                      
AMERICAN FUNDS(R) GROWTH ALLOCATION PORTFOLIO    METLIFE ADVISERS, LLC                    
                                                 SUB-INVESTMENT MANAGER: METLIFE ADVISERS,
                                                 LLC                                      
AMERICAN FUNDS(R) MODERATE ALLOCATION PORTFOLIO  METLIFE ADVISERS, LLC                    
                                                 SUB-INVESTMENT MANAGER: METLIFE ADVISERS,
                                                 LLC                                      
BLACKROCK LARGE CAP CORE PORTFOLIO               METLIFE ADVISERS, LLC                    
                                                 SUB-INVESTMENT MANAGER: BLACKROCK        
                                                 ADVISORS, LLC                            
CLARION GLOBAL REAL ESTATE PORTFOLIO             METLIFE ADVISERS, LLC                    
                                                 SUB-INVESTMENT MANAGER: ING CLARION REAL 
                                                 ESTATE SECURITIES LLC                    

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                PORTFOLIO                                 INVESTMENT OBJECTIVE              
                ---------                                 --------------------              
                                                                                            
HARRIS OAKMARK INTERNATIONAL PORTFOLIO      SEEKS LONG-TERM CAPITAL APPRECIATION.           

INVESCO SMALL CAP GROWTH PORTFOLIO          SEEKS LONG-TERM GROWTH OF CAPITAL.              

JANUS FORTY PORTFOLIO                       SEEKS CAPITAL APPRECIATION.                     

LAZARD MID CAP PORTFOLIO                    SEEKS LONG-TERM GROWTH OF CAPITAL.              

LORD ABBETT BOND DEBENTURE PORTFOLIO        SEEKS HIGH CURRENT INCOME AND THE OPPORTUNITY   
                                            FOR CAPITAL APPRECIATION TO PRODUCE A HIGH TOTAL
                                            RETURN.                                         
MET/FRANKLIN INCOME PORTFOLIO               SEEKS TO MAXIMIZE INCOME WHILE MAINTAINING      
                                            PROSPECTS FOR CAPITAL APPRECIATION.             

MET/FRANKLIN LOW DURATION TOTAL RETURN      SEEKS A HIGH LEVEL OF CURRENT INCOME, WHILE     
PORTFOLIO                                   SEEKING PRESERVATION OF SHAREHOLDERS' CAPITAL.  

MET/FRANKLIN MUTUAL SHARES PORTFOLIO        SEEKS CAPITAL APPRECIATION, WHICH MAY           
                                            OCCASIONALLY BE SHORT-TERM. THE PORTFOLIO'S     
                                            SECONDARY INVESTMENT OBJECTIVE IS INCOME.       
MET/FRANKLIN TEMPLETON FOUNDING STRATEGY    PRIMARILY SEEKS CAPITAL APPRECIATION AND        
PORTFOLIO                                   SECONDARILY SEEKS INCOME.                       

MET/TEMPLETON GROWTH PORTFOLIO              SEEKS LONG-TERM CAPITAL GROWTH.                 

METLIFE AGGRESSIVE STRATEGY PORTFOLIO       SEEKS GROWTH OF CAPITAL.                        

MFS(R) RESEARCH INTERNATIONAL PORTFOLIO     SEEKS CAPITAL APPRECIATION.                     

MORGAN STANLEY MID CAP GROWTH PORTFOLIO     SEEKS CAPITAL APPRECIATION.                     

OPPENHEIMER CAPITAL APPRECIATION PORTFOLIO  SEEKS CAPITAL APPRECIATION.                     

PIMCO INFLATION PROTECTED BOND PORTFOLIO    SEEKS MAXIMUM REAL RETURN, CONSISTENT WITH      
                                            PRESERVATION OF CAPITAL AND PRUDENT             
                                            INVESTMENT MANAGEMENT.                          
PIMCO TOTAL RETURN PORTFOLIO                SEEKS MAXIMUM TOTAL RETURN, CONSISTENT WITH     
                                            THE PRESERVATION OF CAPITAL AND PRUDENT         
                                            INVESTMENT MANAGEMENT.                          
RCM TECHNOLOGY PORTFOLIO -- CLASS B         SEEKS CAPITAL APPRECIATION; NO CONSIDERATION IS 
                                            GIVEN TO INCOME.                                

SSGA GROWTH AND INCOME ETF PORTFOLIO --     SEEKS GROWTH OF CAPITAL AND INCOME.             
CLASS B                                                                                     

SSGA GROWTH ETF PORTFOLIO -- CLASS B        SEEKS GROWTH OF CAPITAL.                        


                                                        [Enlarge/Download Table]

                                                       INVESTMENT MANAGER/            
                PORTFOLIO                             SUB-INVESTMENT MANAGER          
                ---------                             ----------------------          
                                                                                      
HARRIS OAKMARK INTERNATIONAL PORTFOLIO      METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: HARRIS ASSOCIATES 
                                            L.P.                                      
INVESCO SMALL CAP GROWTH PORTFOLIO          METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: INVESCO ADVISERS, 
                                            INC.                                      
JANUS FORTY PORTFOLIO                       METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: JANUS CAPITAL     
                                            MANAGEMENT LLC                            
LAZARD MID CAP PORTFOLIO                    METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: LAZARD ASSET      
                                            MANAGEMENT LLC                            
LORD ABBETT BOND DEBENTURE PORTFOLIO        METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: LORD, ABBETT & CO.
                                            LLC                                       
MET/FRANKLIN INCOME PORTFOLIO               METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: FRANKLIN ADVISERS,
                                            INC.                                      
MET/FRANKLIN LOW DURATION TOTAL RETURN      METLIFE ADVISERS, LLC                     
PORTFOLIO                                   SUB-INVESTMENT MANAGER: FRANKLIN ADVISERS,
                                            INC.                                      
MET/FRANKLIN MUTUAL SHARES PORTFOLIO        METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: FRANKLIN MUTUAL   
                                            ADVISERS, LLC                             
MET/FRANKLIN TEMPLETON FOUNDING STRATEGY    METLIFE ADVISERS, LLC                     
PORTFOLIO                                   SUB-INVESTMENT MANAGER: METLIFE ADVISERS, 
                                            LLC                                       
MET/TEMPLETON GROWTH PORTFOLIO              METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: TEMPLETON GLOBAL  
                                            ADVISORS LIMITED                          
METLIFE AGGRESSIVE STRATEGY PORTFOLIO       METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: METLIFE ADVISERS, 
                                            LLC                                       
MFS(R) RESEARCH INTERNATIONAL PORTFOLIO     METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: MASSACHUSETTS     
                                            FINANCIAL SERVICES COMPANY                
MORGAN STANLEY MID CAP GROWTH PORTFOLIO     METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: MORGAN STANLEY    
                                            INVESTMENT MANAGEMENT INC.                
OPPENHEIMER CAPITAL APPRECIATION PORTFOLIO  METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: OPPENHEIMERFUNDS, 
                                            INC.                                      
PIMCO INFLATION PROTECTED BOND PORTFOLIO    METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: PACIFIC INVESTMENT
                                            MANAGEMENT COMPANY LLC                    
PIMCO TOTAL RETURN PORTFOLIO                METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: PACIFIC INVESTMENT
                                            MANAGEMENT COMPANY LLC                    
RCM TECHNOLOGY PORTFOLIO -- CLASS B         METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: RCM CAPITAL       
                                            MANAGEMENT LLC                            
SSGA GROWTH AND INCOME ETF PORTFOLIO --     METLIFE ADVISERS, LLC                     
CLASS B                                     SUB-INVESTMENT MANAGER: SSGA FUNDS        
                                            MANAGEMENT, INC.                          
SSGA GROWTH ETF PORTFOLIO -- CLASS B        METLIFE ADVISERS, LLC                     
                                            SUB-INVESTMENT MANAGER: SSGA FUNDS        
                                            MANAGEMENT, INC.                          

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                   PORTFOLIO                                 INVESTMENT OBJECTIVE             
                   ---------                                 --------------------             
                                                                                              
T. ROWE PRICE MID CAP GROWTH PORTFOLIO           SEEKS LONG-TERM GROWTH OF CAPITAL.           

THIRD AVENUE SMALL CAP VALUE PORTFOLIO           SEEKS LONG-TERM CAPITAL APPRECIATION.        

                                                           METROPOLITAN FUND                  
BARCLAYS CAPITAL AGGREGATE BOND INDEX PORTFOLIO  SEEKS TO EQUAL THE PERFORMANCE OF THE        
                                                 BARCLAYS CAPITAL U.S. AGGREGATE BOND INDEX.  

BLACKROCK BOND INCOME PORTFOLIO                  SEEKS A COMPETITIVE TOTAL RETURN PRIMARILY   
                                                 FROM INVESTING IN FIXED-INCOME SECURITIES.   

BLACKROCK LARGE CAP VALUE PORTFOLIO              SEEKS LONG-TERM GROWTH OF CAPITAL.           

BLACKROCK LEGACY LARGE CAP GROWTH PORTFOLIO      SEEKS LONG-TERM GROWTH OF CAPITAL.           

DAVIS VENTURE VALUE PORTFOLIO                    SEEKS GROWTH OF CAPITAL.                     

FI VALUE LEADERS PORTFOLIO                       SEEKS LONG-TERM GROWTH OF CAPITAL.           

LOOMIS SAYLES SMALL CAP CORE PORTFOLIO           SEEKS LONG-TERM CAPITAL GROWTH FROM          
                                                 INVESTMENTS IN COMMON STOCKS OR OTHER EQUITY 
                                                 SECURITIES.                                  
LOOMIS SAYLES SMALL CAP GROWTH PORTFOLIO         SEEKS LONG-TERM CAPITAL GROWTH.              

MET/ARTISAN MID CAP VALUE PORTFOLIO              SEEKS LONG-TERM CAPITAL GROWTH.              

METLIFE CONSERVATIVE ALLOCATION PORTFOLIO        SEEKS A HIGH LEVEL OF CURRENT INCOME, WITH   
                                                 GROWTH OF CAPITAL AS A SECONDARY OBJECTIVE.  
METLIFE CONSERVATIVE TO MODERATE ALLOCATION      SEEKS HIGH TOTAL RETURN IN THE FORM OF INCOME
PORTFOLIO                                        AND GROWTH OF CAPITAL, WITH A GREATER        
                                                 EMPHASIS ON INCOME.                          
METLIFE MID CAP STOCK INDEX PORTFOLIO            SEEKS TO EQUAL THE PERFORMANCE OF THE        
                                                 STANDARD & POOR'S MIDCAP 400(R) COMPOSITE    
                                                 STOCK PRICE INDEX.                           
METLIFE MODERATE ALLOCATION PORTFOLIO            SEEKS A BALANCE BETWEEN A HIGH LEVEL OF      
                                                 CURRENT INCOME AND GROWTH OF CAPITAL, WITH A 
                                                 GREATER EMPHASIS ON GROWTH OF CAPITAL.       
METLIFE MODERATE TO AGGRESSIVE ALLOCATION        SEEKS GROWTH OF CAPITAL.                     
PORTFOLIO                                                                                     
METLIFE STOCK INDEX PORTFOLIO                    SEEKS TO EQUAL THE PERFORMANCE OF THE        
                                                 STANDARD & POOR'S 500(R) COMPOSITE STOCK     
                                                 PRICE INDEX.                                 
MFS(R) TOTAL RETURN PORTFOLIO                    SEEKS A FAVORABLE TOTAL RETURN THROUGH       
                                                 INVESTMENT IN A DIVERSIFIED PORTFOLIO.       

MFS(R) VALUE PORTFOLIO                           SEEKS CAPITAL APPRECIATION.                  


                                                        [Enlarge/Download Table]

                                                            INVESTMENT MANAGER/            
                   PORTFOLIO                               SUB-INVESTMENT MANAGER          
                   ---------                               ----------------------          
                                                                                           
T. ROWE PRICE MID CAP GROWTH PORTFOLIO           METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: T. ROWE PRICE     
                                                 ASSOCIATES, INC.                          
THIRD AVENUE SMALL CAP VALUE PORTFOLIO           METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: THIRD AVENUE      
                                                 MANAGEMENT LLC                            
                                                           METROPOLITAN FUND               
BARCLAYS CAPITAL AGGREGATE BOND INDEX PORTFOLIO  METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: METLIFE INVESTMENT
                                                 ADVISORS COMPANY, LLC                     
BLACKROCK BOND INCOME PORTFOLIO                  METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: BLACKROCK         
                                                 ADVISORS, LLC                             
BLACKROCK LARGE CAP VALUE PORTFOLIO              METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: BLACKROCK         
                                                 ADVISORS, LLC                             
BLACKROCK LEGACY LARGE CAP GROWTH PORTFOLIO      METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: BLACKROCK         
                                                 ADVISORS, LLC                             
DAVIS VENTURE VALUE PORTFOLIO                    METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: DAVIS SELECTED    
                                                 ADVISERS, L.P.                            
FI VALUE LEADERS PORTFOLIO                       METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: PYRAMIS GLOBAL    
                                                 ADVISORS, LLC                             
LOOMIS SAYLES SMALL CAP CORE PORTFOLIO           METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: LOOMIS, SAYLES &  
                                                 COMPANY, L.P.                             
LOOMIS SAYLES SMALL CAP GROWTH PORTFOLIO         METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: LOOMIS, SAYLES &  
                                                 COMPANY, L.P.                             
MET/ARTISAN MID CAP VALUE PORTFOLIO              METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: ARTISAN PARTNERS  
                                                 LIMITED PARTNERSHIP                       
METLIFE CONSERVATIVE ALLOCATION PORTFOLIO        METLIFE ADVISERS, LLC                     

METLIFE CONSERVATIVE TO MODERATE ALLOCATION      METLIFE ADVISERS, LLC                     
PORTFOLIO                                                                                  

METLIFE MID CAP STOCK INDEX PORTFOLIO            METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: METLIFE INVESTMENT
                                                 ADVISORS COMPANY, LLC                     
METLIFE MODERATE ALLOCATION PORTFOLIO            METLIFE ADVISERS, LLC                     

METLIFE MODERATE TO AGGRESSIVE ALLOCATION        METLIFE ADVISERS, LLC                     
PORTFOLIO                                                                                  
METLIFE STOCK INDEX PORTFOLIO                    METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: METLIFE INVESTMENT
                                                 ADVISORS COMPANY, LLC                     
MFS(R) TOTAL RETURN PORTFOLIO                    METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: MASSACHUSETTS     
                                                 FINANCIAL SERVICES COMPANY                
MFS(R) VALUE PORTFOLIO                           METLIFE ADVISERS, LLC                     
                                                 SUB-INVESTMENT MANAGER: MASSACHUSETTS     
                                                 FINANCIAL SERVICES COMPANY                

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               PORTFOLIO                               INVESTMENT OBJECTIVE              
               ---------                               --------------------              
                                                                                         
MORGAN STANLEY EAFE(R) INDEX PORTFOLIO    SEEKS TO EQUAL THE PERFORMANCE OF THE MSCI     
                                          EAFE(R) INDEX.                                 

NEUBERGER BERMAN GENESIS PORTFOLIO        SEEKS HIGH TOTAL RETURN, CONSISTING PRINCIPALLY
                                          OF CAPITAL APPRECIATION.                       

NEUBERGER BERMAN MID CAP VALUE PORTFOLIO  SEEKS CAPITAL GROWTH.                          

RUSSELL 2000(R) INDEX PORTFOLIO           SEEKS TO EQUAL THE PERFORMANCE OF THE RUSSELL  
                                          2000(R) INDEX.                                 

T. ROWE PRICE LARGE CAP GROWTH PORTFOLIO  SEEKS LONG-TERM GROWTH OF CAPITAL AND,         
                                          SECONDARILY, DIVIDEND INCOME.                  

T. ROWE PRICE SMALL CAP GROWTH PORTFOLIO  SEEKS LONG-TERM CAPITAL GROWTH.                

WESTERN ASSET MANAGEMENT STRATEGIC BOND   SEEKS TO MAXIMIZE TOTAL RETURN CONSISTENT      
OPPORTUNITIES PORTFOLIO                   WITH PRESERVATION OF CAPITAL.                  

WESTERN ASSET MANAGEMENT U.S. GOVERNMENT  SEEKS TO MAXIMIZE TOTAL RETURN CONSISTENT      
PORTFOLIO                                 WITH PRESERVATION OF CAPITAL AND MAINTENANCE   
                                          OF LIQUIDITY.                                  

                                                                [Download Table]

                                                     INVESTMENT MANAGER/            
               PORTFOLIO                            SUB-INVESTMENT MANAGER          
               ---------                            ----------------------          
                                                                                    
MORGAN STANLEY EAFE(R) INDEX PORTFOLIO    METLIFE ADVISERS, LLC                     
                                          SUB-INVESTMENT MANAGER: METLIFE INVESTMENT
                                          ADVISORS COMPANY, LLC                     
NEUBERGER BERMAN GENESIS PORTFOLIO        METLIFE ADVISERS, LLC                     
                                          SUB-INVESTMENT MANAGER: NEUBERGER BERMAN  
                                          MANAGEMENT LLC                            
NEUBERGER BERMAN MID CAP VALUE PORTFOLIO  METLIFE ADVISERS, LLC                     
                                          SUB-INVESTMENT MANAGER: NEUBERGER BERMAN  
                                          MANAGEMENT LLC                            
RUSSELL 2000(R) INDEX PORTFOLIO           METLIFE ADVISERS, LLC                     
                                          SUB-INVESTMENT MANAGER: METLIFE INVESTMENT
                                          ADVISORS COMPANY, LLC                     
T. ROWE PRICE LARGE CAP GROWTH PORTFOLIO  METLIFE ADVISERS, LLC                     
                                          SUB-INVESTMENT MANAGER: T. ROWE PRICE     
                                          ASSOCIATES, INC.                          
T. ROWE PRICE SMALL CAP GROWTH PORTFOLIO  METLIFE ADVISERS, LLC                     
                                          SUB-INVESTMENT MANAGER: T. ROWE PRICE     
                                          ASSOCIATES, INC.                          
WESTERN ASSET MANAGEMENT STRATEGIC BOND   METLIFE ADVISERS, LLC                     
OPPORTUNITIES PORTFOLIO                   SUB-INVESTMENT MANAGER: WESTERN ASSET     
                                          MANAGEMENT COMPANY                        
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT  METLIFE ADVISERS, LLC                     
PORTFOLIO                                 SUB-INVESTMENT MANAGER: WESTERN ASSET     
                                          MANAGEMENT COMPANY                        

Some of the investment choices may not be available under the terms of your     
Deferred Annuity. Your Contract or other correspondence we provide you will     
indicate the investment divisions that are available to you. Your investment    
choices may be limited because:                                                 

..   Your employer, association or other group contract holder limits the       
available investment divisions.                                         

..   We have restricted the available investment divisions.                     

The investment divisions buy and sell shares of corresponding mutual fund       
Portfolios. These Portfolios, which are part of either the Metropolitan Fund,   
the Calvert Fund, the Met Investors Fund or the American Funds(R) invest in     
stocks, bonds and other investments. All dividends declared by the Portfolios   
are earned by the Separate Account and are reinvested. Therefore, no dividends  
are distributed to you under the Deferred Annuities. You pay no transaction     
expenses (I.E., front-end or back-end sales load charges) as a result of the    
Separate Account's purchase or sale of these mutual fund shares. The Portfolios 
of the Metropolitan Fund and the Met Investors Fund are available by purchasing 
annuities and life insurance policies from MetLife or certain of its affiliated 
insurance companies and are never sold directly to the public. The Calvert Fund 
and American Funds(R) Portfolios are made available by the Calvert Fund and the 
American Funds(R) only through various insurance company annuities and life     
insurance policies.                                                             

The Metropolitan Fund, the Calvert Fund, the Met Investors Fund and the         
American Funds(R) are each "series" type funds registered with the Securities   
and Exchange Commission as an "open-end management investment company" under    
the 1940 Act. A "series" fund means that each Portfolio is one of several       
available through the fund.                                                     

The Portfolios of the Metropolitan Fund and Met Investors Fund pay MetLife      
Advisers, LLC, a MetLife affiliate, a monthly fee for its services as their     
investment manager. The Portfolio of the Calvert Fund pays Calvert Asset        
Management Company, Inc. a monthly fee for its services as its investment       
manager. The Portfolios of the American Funds(R) pay Capital Research and       
Management Company a monthly fee for its services as their investment manager.  
These fees, as well as the operating expenses paid by each Portfolio, are       
described in the applicable prospectus and SAI for the Metropolitan Fund, the   
Calvert Fund, the Met Investors Fund and the American Funds(R).                 

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In addition, the Metropolitan Fund and the Met Investors Fund prospectuses each 
discuss other separate accounts of MetLife and its affiliated insurance         
companies and certain qualified retirement plans that invest in the             
Metropolitan Fund or the Met Investors Fund. The risks of these arrangements    
are discussed in each Fund's prospectus.                                        

Certain Payments We Receive with Regard to the Portfolios. An investment        
manager (other than our affiliate MetLife Advisers, LLC) or sub-investment      
manager of a 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 Deferred Annuities and, in the         
Company's role as an intermediary, with respect to the Portfolios. The Company  
and its affiliates may profit from these payments. These payments may be        
derived, in whole or in part, from the advisory fee deducted from Portfolio     
assets. Contract Owners, through their indirect investment in the Portfolios,   
bear the costs of these advisory fees (see the Portfolios' prospectuses for     
more information). The amount of the payments we receive is based on a          
percentage of assets of the Portfolios attributable to the Deferred Annuities   
and certain other variable insurance products that we and our affiliates issue. 
These percentages differ and some investment managers or sub-investment         
managers (or other affiliates) may pay us more than others. These percentages   
currently range up to 0.50%.                                                    

Additionally, an investment manager or sub-investment manager of a 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 sub-investment manager (or their affiliate) with     
increased access to persons involved in the distribution of the Contracts.      

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

Certain Portfolios have adopted a Distribution Plan under Rule 12b-1 of the     
1940 Act. A Portfolio's 12b-1 Plan, if any, is described in more detail in the  
prospectuses for the Portfolios. (See the Table of Expenses and "Who Sells the  
Deferred Annuities".) Any payments we receive pursuant to those 12b-1 Plans are 
paid to us or our distributor. Payments under a Portfolio's 12b-1 Plan decrease 
the Portfolios' investment returns.                                             

We select the Portfolios offered through this Contract based on a number of     
criteria, including asset class coverage, the strength of the investment        
manager's or sub-investment manager'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          
Portfolios' investment manager or sub-investment manager is one of our          
affiliates or whether the Portfolio, its investment manager, its sub-investment 
manager(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 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 Portfolios periodically and may      
remove a Portfolio or limit its availability to new purchase payments and/or    
transfers of contract value if we determine that the Portfolio no longer meets  
one or more of the selection criteria, and/or if the Portfolio has not          
attracted significant allocations from Contract Owners. In some cases, we have  
included Portfolios based on recommendations made by selling firms. These       
selling firms may receive payments from the Portfolios they recommend and may   
benefit accordingly from the allocation of contract value to such Portfolios.   

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

We make certain payments to American Funds Distributors, Inc., principal        
underwriter for the American Funds Insurance Series(R). (See "Who Sells The     
Deferred Annuities".)                                                           

DEFERRED ANNUITIES                                                              

This Prospectus describes the following Deferred Annuities under which you
can accumulate money:                                                     

.   TSA (Tax Sheltered Annuities)                                           

.   TSA ERISA (Tax Sheltered Annuities subject to ERISA)                    

.   SEPs (Simplified Employee Pensions)                                     

.   SIMPLE IRAs (Savings Incentive Match Plan for Employees Individual      
Retirement Annuities)                                               

.   457(b)s (Section 457(b) Eligible Deferred Compensation Arrangements)    

.   403(a) Arrangements                                                     

A form of the deferred annuity may be issued to a bank that does nothing but    
hold them as a contract holder.                                                 

THE DEFERRED ANNUITY AND YOUR RETIREMENT PLAN                                   

 These Deferred Annuities may be issued either to you as an individual or to
a group. You are then a participant under the group's Deferred Annuity.   

If you participate through a retirement plan or other group arrangement, the    
Deferred Annuity may provide that all or some of your rights or choices as      
described in this Prospectus are subject to the plan's terms. For example,      
limitations on your rights may apply to investment choices, automated           
investments strategies, purchase payments, withdrawals, transfers, loans, the   
death benefit and pay-out options.                                              

The Deferred Annuity may provide that a plan administrative fee will be paid by 
making a withdrawal from your Account Balance. We may rely on your employer's   
or plan administrator's statements to us as to the terms of the plan or your    
entitlement to any amounts. We are not a party to your employer's retirement    
plan. We will not be responsible for determining what your plan says. You       
should consult the Deferred Annuity contract and plan document to see how you   
may be affected. If you are a Texas Optional Retirement Program participant,    
please see Appendix II for specific information which applies to you.           

AUTOMATED INVESTMENT STRATEGIES                                                 

 There are four automated investment strategies available to you. We created
  these investment strategies to help you manage your money. You decide if one
is appropriate for you, based upon your risk tolerance and savings goals. The   
Index Selector is not available with a Deferred Annuity with the Optional       
Lifetime Withdrawal Guarantee Benefit. These are available to you without any   
additional charges. As with any investment program, none of them can guarantee  
a gain -- you can lose money. We may modify or terminate any of the strategies  
at                                                                              

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any time. You may have only one strategy in effect at a time. You may not have  
a strategy in effect while you also have an outstanding loan. Your employer,    
association or other group contract holder may limit the availability of any    
investment strategy.                                                            

The Equity Generator(R): An amount equal to the interest earned in the Fixed    
Interest Account is transferred monthly to any one investment division based on 
your selection. If your Fixed Interest Account balance at the time of a         
scheduled transfer is zero, this strategy is automatically discontinued.        

The Rebalancer(R): You select a specific asset allocation for your entire       
Account Balance from among the investment divisions and the Fixed Interest      
Account, if available. Each quarter we transfer amounts among these options to  
bring the percentage of your Account Balance in each option back to your        
original allocation. In the future, we may permit you to allocate less than     
100% of your Account Balance to this strategy.                                  

The Index Selector(R): You may select one of five asset allocation models which 
are designed to correlate to various risk tolerance levels. Based on the model  
you choose, your entire Account Balance is allocated among the Barclays Capital 
Aggregate Bond Index, MetLife Stock Index, Morgan Stanley EAFE(R) Index,        
Russell 2000(R) Index and MetLife Mid Cap Stock Index investment divisions and  
the Fixed Interest Account. Each quarter the percentage in each of these        
investment divisions and the Fixed Interest Account is brought back to the      
selected model percentage by transferring amounts among the investment          
divisions and the Fixed Interest Account.                                       

In the future, we may permit you to allocate less than 100% of your Account     
Balance to this strategy.                                                       

We will continue to implement the Index Selector strategy using the percentage  
allocations of the mode that were in effect when you elected the Index Selector 
strategy. You should consider whether it is appropriate for you to continue     
this strategy over time if your risk tolerance, time horizon or financial       
situation changes. This strategy may experience more volatility than our other  
strategies. We provide the elements to formulate the models. We may rely on a   
third party for its expertise in creating appropriate allocations.              

The asset allocation models used in the Index Selector strategy may change from 
time to time. If you are interested in an updated model please contact your     
sales representative.                                                           

You may choose another Index Selector strategy or terminate your Index Selector 
strategy at any time. If you choose another Index Selector strategy, you must   
select from the asset allocation models available at that time. After           
termination, if you then wish to again select the Index Selector strategy, you  
must select from the asset allocation models available at that time.            

The Allocator/SM/: Each month a dollar amount you choose is transferred from    
the Fixed Interest Account to any of the investment divisions you choose. You   
select the day of the month and the number of months over which the transfers   
will occur. A minimum periodic transfer of $50 is required. Once your Fixed     
Interest Account Balance is exhausted, this strategy is automatically           
discontinued.                                                                   

The Allocator and the Equity Generator are dollar cost averaging strategies.    
Dollar cost averaging involves investing at regular intervals of time. Since    
this involves continuously investing regardless of fluctuating prices, you      
should consider whether you wish to continue the strategy through periods of    
fluctuating prices.                                                             

We will terminate all transactions under any automated investment strategy upon 
notification in good order of your death.                                       

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PURCHASE PAYMENTS                                                               

There is no minimum purchase payment. You may continue to make purchase   
payments while you receive Systematic Withdrawal Program payments, as     
described later in this Prospectus, unless your purchase payments are made      
through payroll deduction.                                                      

We will not issue the Deferred Annuity to you if you are age 80 or older or     
younger than age 18 for the TSA Deferred Annuity described in the Prospectus.   
For SEPs and SIMPLE IRAs Deferred Annuities, the minimum issue age is 21. You   
will not receive the 3% credit associated with the e Bonus Class (generally not 
available for purchase payments which consist of money from eligible rollover   
distributions or direct transfers from mutual funds that are products of        
MetLife or its affiliates), unless you are less than 66 years old at date of    
issue. We will not accept your purchase payments if you are age 90 or older.    

PURCHASE PAYMENTS--SECTION 403(B) PLANS                                         

The Internal Revenue Service announced new regulations affecting Section 403(b) 
plans and arrangements. As part of these regulations, which are generally       
effective January 1, 2009, employers will need to meet certain requirements in  
order for their employees' annuity contracts that fund these programs to retain 
a tax deferred status under Section 403(b). Prior to the new rules, transfers   
of one annuity contract to another would not result in a loss of tax deferred   
status under 403(b) under certain conditions (so-called "90-24 transfers"). The 
new regulations have the following effect regarding transfers: (1) a newly      
issued contract funded by a transfer which is completed AFTER September 24,     
2007, is subject to the employer requirements referred to above; (2) additional 
purchase payments made AFTER September 24, 2007, to a contract that was funded  
by a 90-24 transfer ON OR BEFORE September 24, 2007, MAY subject the contract   
to this new employer requirement.                                               

In consideration of these regulations, we have determined to only make          
available the Contract/Certificate for purchase (including transfers) where     
your employer currently permits salary reduction contributions to be made to    
the Contract/Certificate.                                                       

If your Contract/Certificate was issued previously as a result of a 90-24       
transfer completed on or before September 24, 2007, and you have never made     
salary reduction contributions into your Contract/Certificate, we urge you to   
consult with your tax adviser prior to making additional purchase payments.     

ALLOCATION OF PURCHASE PAYMENTS                                                 

You decide how your money is allocated among the Fixed Interest Account, if     
available, and the investment divisions. You can change your allocations for    
future purchase payments. We will make allocation changes when we receive your  
request for a change. You may also specify an effective date for the change as  
long as it is within 30 days after we receive the request.                      

LIMITS ON PURCHASE PAYMENTS                                                     

Your ability to make purchase payments may be limited by:                       

..   Federal tax laws or regulatory requirements;                               

..   Our right to limit the total of your purchase payments to $1,000,000;      

..   Our right to restrict purchase payments to the Fixed Interest Account if   
 (1) the interest rate we credit in the Fixed Interest Account is equal to
   the guaranteed minimum rate as stated in your Deferred Annuity; or (2) your
Fixed Interest Account Balance is equal to or exceeds our maximum for a 
Fixed Interest Account allocation (e.g., $1,000,000);                   

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..  Participation in the Systematic Withdrawal Program (as described later); and

..   Leaving your job.                                                          

THE VALUE OF YOUR INVESTMENT                                                    

Accumulation Units are credited to you when you make purchase payments or 
transfers into an investment division. When you withdraw or transfer money
from an investment division (as well as when we apply the Annual Contract Fee   
and the Guaranteed Minimum Income Benefit charge, if chosen as an optional      
benefit), accumulation units are liquidated. We determine the number of         
accumulation units by dividing the amount of your purchase payment, transfer or 
withdrawal by the Accumulation Unit Value on the date of the transaction.       

This is how we calculate the Accumulation Unit Value for each investment        
division:                                                                       

..   First, we determine the change in investment performance (including any    
 investment-related charge) for the underlying Portfolio from the previous
trading day to the current trading day;                                 

..   Next, we subtract the daily equivalent of the Separate Account charge (for 
 the class of the Deferred Annuity you have chosen, including any optional
benefits) for each day since the last Accumulation Unit Value was       
calculated; and                                                         

..   Finally, we multiply the previous Accumulation Unit Value by this result.  

Examples                                                                  
Calculating the Number of Accumulation Units                              

 Assume you make a purchase payment of $500 into one investment division and
 that investment division's Accumulation Unit Value is currently $10.00. You
would be credited with 50 accumulation units.                             

$500 = 50 accumulation units                
---                                         
$10                                         

Calculating the Accumulation Unit Value                                   

Assume yesterday's Accumulation Unit Value was $10.00 and the number we   
calculate for today's investment                                          
experience (minus charges) for an underlying Portfolio is 1.05. Today's   
  Accumulation Unit Value is $10.50. The value of your $500 investment is then
$525 (50 x $10.50 = $525).                                                

$10.00 x 1.05 = $10.50 is the new Accumulation Unit Value 

However, assume that today's investment experience (minus charges) is .95 
  instead of 1.05. Today's Accumulation Unit Value is $9.50. The value of your
$500 investment is then $475 (50 x $9.50 = $475).                         

$10.00 x .95 = $9.50 is the new Accumulation Unit Value 

TRANSFER PRIVILEGE                                                              

You may make tax-free transfers among investment divisions or between the 
  investment divisions and the Fixed Interest Account, if available. For us to
process a transfer, you must tell us:                                           

..   The percentage or dollar amount of the transfer;                           

..   The investment divisions (or Fixed Interest Account) from which you want   
the money to be transferred;                                            

..   The investment divisions (or Fixed Interest Account) to which you want the 
money to be transferred; and                                            

..   Whether you intend to start, stop, modify or continue unchanged an         
automated investment strategy by making the transfer.                   

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We reserve the right to restrict transfers to the Fixed Interest Account if (1) 
the interest rate we credit in the Fixed Interest Account is equal to the       
guaranteed minimum rate as stated in your Deferred Annuity; or (2) your Fixed   
Interest Account Balance is equal to or exceeds our maximum for Fixed Interest  
Account allocations (e.g., $1,000,000).                                         

Your transfer request must be in good order and completed prior to the close of 
the Exchange on a business day, if you want the transaction to take place on    
that day. All other transfer requests in good order will be processed on our    
next business day.                                                              

We may require you to use our original forms and maintain a minimum Account     
Balance (if the transfer is in connection with an automated investment strategy 
or if there is an outstanding loan from the Fixed Interest Account).            

"MARKET TIMING" POLICIES AND PROCEDURES                                         

The following is a discussion of our market timing policies and procedures.     
They apply both to the "pay-in" and "pay-out" phase of your Deferred Annuity.   

Frequent requests from contract owners to make transfers/reallocations may      
dilute the value of a Portfolio's shares if the frequent                        
transfers/reallocations involve 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"). Regardless of the existence of pricing       
inefficiencies, frequent transfers/reallocations may also increase brokerage    
and administrative costs of the underlying Portfolios and may disrupt Portfolio 
management strategy, requiring a Portfolio to maintain a high cash position and 
possibly resulting in lost investment opportunities and forced liquidations     
("disruptive trading"). Accordingly, arbitrage trading and disruptive trading   
activities (referred to collectively as "market timing") may adversely affect   
the long-term performance of the 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).                                           

We have policies and procedures that attempt to detect and deter frequent       
transfers/reallocations 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 Portfolios (I.E.,     
American Funds Global Small Capitalization, Clarion Global Real Estate, Harris  
Oakmark International, Invesco Small Cap Growth, Loomis Sayles Small Cap Core,  
Loomis Sayles Small Cap Growth, Lord Abbett Bond Debenture, MFS(R) Research     
International, Met/Templeton Growth, Morgan Stanley EAFE(R) Index, Neuberger    
Berman Genesis, Russell 2000(R) Index, T. Rowe Price Small Cap Growth, Third    
Avenue Small Cap Value, and Western Asset Management Strategic Bond             
Opportunities--the "Monitored Portfolios") and we monitor transfer/reallocation 
activity in those Monitored Portfolios. In addition, as described below, we     
intend to treat all American Funds Insurance Series(R) Portfolios ("American    
Funds portfolios") as Monitored Portfolios. We employ various means to monitor  
transfer/reallocation activity, such as examining the frequency and size of     
transfers/reallocations into and out of the Monitored Portfolios within given   
periods of time. For example, we currently monitor transfer/reallocation        
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/reallocations involving the given category; (2) cumulative gross      
transfers/reallocations involving the given category that exceed the current    
account balance; and (3) two or more "round-trips" involving any Monitored      
Portfolio in the given category. A round-trip generally is defined as a         
transfer/reallocation in followed by a transfer/reallocation out within the     
next seven calendar days or a transfer/reallocation out followed by a           
transfer/reallocation in within the next seven calendar days, in either case    
subject to certain other criteria.                                              

We do not believe that other Portfolios present a significant opportunity to    
engage in arbitrage trading and therefore do not monitor transfer/reallocation  
activity in those Portfolios. We may change the Monitored Portfolios at any     
time without notice in our sole discretion. In addition to monitoring           
transfer/reallocation activity in certain Portfolios, we rely on the underlying 
Portfolios to bring any potential disruptive transfer/reallocation activity     
they identify to our attention for investigation on a case-by-case basis. We    
will also investigate other harmful transfer/reallocation activity that we      
identify from time to time. We may revise these policies and procedures in our  
sole discretion at any time without prior notice.                               

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American Funds(R) Monitoring Policy. As a condition to making their portfolios  
available in our products, American Funds(R) requires us to treat all American  
Funds portfolios as Monitored Portfolios under our current market timing and    
excessive trading policies and procedures. Further, American Funds(R) requires  
us to impose additional specified monitoring criteria for all American Funds    
portfolios available under the Contract, regardless of the potential for        
arbitrage trading. We are required to monitor transfer/reallocation activity in 
American Funds portfolios to determine if there were two or more                
transfers/reallocations in followed by transfers/reallocations out, in each     
case of a certain dollar amount or greater, in any 30 day period. A first       
violation of the American Funds(R) monitoring policy will result in a written   
notice of violation; each additional violation will result in the imposition of 
a six-month restriction, during which period we will require all                
transfer/reallocation 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 market timing and 
excessive trading policies, procedures and restrictions (described below) and   
transfer/reallocation restrictions may be imposed upon a violation of either    
monitoring policy.                                                              

Our policies and procedures may result in transfer/reallocation restrictions    
being applied to deter market timing. Currently, when we detect                 
transfer/reallocation activity in the Monitored Portfolios that exceeds our     
current transfer/reallocation limits, or other transfer/reallocation activity   
that we believe may be harmful to other contract owners or other persons who    
have an interest in the Contracts, we require all future requests to or from    
any Monitored Portfolios or other identified Portfolios under that Contract to  
be submitted with an original signature.                                        

Transfers made under a dollar cost averaging program or, if applicable, any     
asset allocation program described in this prospectus are not treated as        
transfers when we evaluate patterns for market timing.                          

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

The Portfolios may have adopted their own policies and procedures with respect  
to frequent purchases and redemptions of their respective shares, and we        
reserve the right to enforce these policies and procedures. For example,        
Portfolios may assess a redemption fee (which we reserve the right to collect)  
for shares held for a relatively short period. The prospectuses for the         
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 operational capacity to apply the         
frequent trading policies and procedures of the Portfolios, we have entered in  
a written agreement, as required by SEC regulation, with each Portfolio or its  
principal underwriter that obligates us to provide to the Portfolio promptly    
upon request certain information about the trading activity of individual       
contract owners, and to execute instructions from the Portfolio to restrict or  
prohibit further purchases or transfers/reallocations by specific contract      
owners who violate the frequent trading policies established by the 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         
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 contract owners of variable insurance contracts and/or individual    
retirement plan participants. The omnibus nature of these orders may limit the  
Portfolios in their ability to apply their frequent trading                     

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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 Portfolios (and thus Contract owners) will 
not be harmed by transfer/reallocation activity relating to the other insurance 
companies and/or retirement plans that may invest in the Portfolios. If a       
Portfolio believes that an omnibus order reflects one or more                   
transfer/reallocation requests from Contract owners engaged in disruptive       
trading activity, the Portfolio may reject the entire omnibus order.            

In accordance with applicable law, we reserve the right to modify or terminate  
the transfer/reallocation privilege at any time. We also reserve the right to   
defer or restrict the transfer/reallocation privilege at any time that we are   
unable to purchase or redeem shares of any of the Portfolios, including any     
refusal or restriction on purchases or redemptions of their shares as a result  
of their own policies and procedures on market timing activities (even if an    
entire omnibus order is rejected due to the market timing activity of a single  
contract owner). You should read the Portfolio prospectuses for more details.   

ACCESS TO YOUR MONEY                                                            

You may withdraw either all or part of your Account Balance from the      
Deferred Annuity. Other than those made through the Systematic Withdrawal 
Program, withdrawals must be at least $500 or the Account Balance, if less. If  
any withdrawal would decrease your Account Balance below $2,000, we may         
consider this a request for a full withdrawal. To process your request, we need 
the following information:                                                      

..   The percentage or dollar amount of the withdrawal; and                     

..   The investment divisions (or Fixed Interest Account) from which you want   
the money to be withdrawn.                                              

Your withdrawal may be subject to withdrawal charges.                           

We may withhold payment of withdrawal proceeds if any portion of those proceeds 
would be derived from your check that has not yet cleared (I.E., that could     
still be dishonored by your banking institution). We may use telephone, fax,    
Internet or other means of communication to verify that payment from your check 
has been or will be collected. We will not delay payment longer than necessary  
for us to verify that payment has been or will be collected. You 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.                     

Generally, if you request, we will make payments directly to other investments  
on a tax-free basis. You may only do so if all applicable tax and state         
regulatory requirements are met and we receive all information necessary for us 
to make the payment. We may require you to use our original forms.              

SYSTEMATIC WITHDRAWAL PROGRAM                                                   

If we agree and if approved in your state, you may choose to automatically      
withdraw a specific dollar amount or a percentage of your Account Balance each  
Contract Year. This program is not available under the 457(b) Deferred Annuity  
issued to tax-exempt organizations. This amount is then paid in equal portions  
throughout the Contract Year according to the time frame you select, e.g.,      
monthly, quarterly, semi-annually or annually. Once the Systematic Withdrawal   
Program is initiated, the payments will automatically renew each Contract Year. 
Income taxes, tax penalties and withdrawal charges may apply to your            
withdrawals. Program payment amounts are subject to our required minimums and   
administrative restrictions. Your Account Balance will be reduced by the amount 
of your Systematic Withdrawal Program payments and applicable withdrawal        
charges. Payments under this program are not the same as income payments you    
would receive from a Deferred Annuity pay-out option. The Systematic Withdrawal 
Program is not available to the e Bonus Class of the Deferred Annuities until   
the second Contract Year. The Systematic Withdrawal Program is not available in 
conjunction with any automated investment strategy.                             

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If you elect to withdraw a dollar amount, we will pay you the same dollar       
amount each Contract Year. If you elect to withdraw a percentage of your        
Account Balance, each Contract Year we recalculate the amount you will receive  
based on your new Account Balance.                                              

Calculating Your Payment Based on a Percentage Election for the First Contract  
Year You Elect the Systematic Withdrawal Program: If you choose to receive a    
percentage of your Account Balance, we will determine the amount payable on the 
date these payments begin. When you first elect the program, we will pay this   
amount over the remainder of the Contract Year. For example, if you select to   
receive payments on a monthly basis with the percentage of your Account Balance 
you request equaling $12,000, and there are six months left in the Contract     
Year, we will pay you $2,000 a month.                                           

Calculating Your Payment for Subsequent Contract Years of the Systematic        
Withdrawal Program: For each subsequent year that your Systematic Withdrawal    
Program remains in effect, we will deduct from your Deferred Annuity and pay    
you over the Contract Year either the amount that you chose or an amount equal  
to the percentage of your Account Balance you chose. For example, if you select 
to receive payments on a monthly basis, ask for a percentage and that           
percentage of your Account Balance equals $12,000 at the start of a Contract    
Year, we will pay you $1,000 a month.                                           

If you do not provide us with your desired allocation, or there are             
insufficient amounts in the investment divisions or the Fixed Interest Account  
that you selected, the payments will be taken out pro rata from the Fixed       
Interest Account and any investment divisions in which you then have money.     

Selecting a Payment Date:  You select a payment date which becomes the date we  
make the withdrawal. (If you would like to receive your Systematic Withdrawal   
Program payment on or about the first of the month, you should request the      
payment by the 20th of the month). We must receive your request in good order   
at least 10 days prior to the selected payment date. If we do not receive your  
request in time, we will make the payment the following month on the date you   
selected. If you do not select a payment date, we will automatically begin      
systematic withdrawals within 30 days after we receive your request. Changes in 
the dollar amount, percentage or timing of the payments can be made once a year 
at the beginning of any Contract Year and one other time during the Contract    
Year. If you make any of these changes, we will treat your request as though    
you were starting a new Systematic Withdrawal Program. You may request to stop  
your Systematic Withdrawal Program at any time. We must receive any request in  
good order at least 30 days in advance.                                         

Although we need your written authorization to begin this program, you may      
cancel this program at any time by telephone or by writing to us at your        
MetLife Administrative Office. We will also terminate your participation in the 
program upon notification in good order of your death.                          

Systematic Withdrawal Program payments may be subject to a withdrawal charge    
unless an exception to this charge applies. For purposes of determining how     
much of the annual payment amount is exempt from this charge under the free     
withdrawal provision (discussed later), all payments from a Systematic          
Withdrawal Program in a Contract Year are characterized as a single lump sum    
withdrawal as of your first payment date in that Contract Year. When you first  
elect the program, we will calculate the percentage of your Account Balance     
your Systematic Withdrawal Program payment represents based on your Account     
Balance on the first Systematic Withdrawal Program payment date. For all        
subsequent Contract Years, we will calculate the percentage of your Account     
Balance your Systematic Withdrawal Program payment represents based on your     
Account Balance on the first Systematic Withdrawal Program payment date of that 
Contract Year. We will determine separately the withdrawal charge and any       
relevant factors (such as applicable exceptions) for each Systematic Withdrawal 
Program payment as of the date it is withdrawn from your Deferred Annuity.      

See "Lifetime Withdrawal Guarantee Benefit -- Annual Benefit                    
Payment -- Systematic Withdrawal Program" for more information concerning       
utilizing the Systematic Withdrawal Program in conjunction with the Lifetime    
Guaranteed Withdrawal Benefit.                                                  

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Participation in the Systematic Withdrawal Program is subject to our            
administrative procedures.                                                      

MINIMUM DISTRIBUTION                                                            

In order for you to comply with certain tax law provisions, you may be required 
to take money out of your Deferred Annuity. Rather than receiving your minimum  
required distribution in one annual lump-sum payment, you may request that we   
pay it to you in installments throughout the calendar year. However, we may     
require that you maintain a certain Account Balance at the time you request     
these payments. You may not have a Systematic Withdrawal Program in effect if   
we pay your minimum required distribution in installments. We will terminate    
your participation in the program upon notification in good order of your death.

CHARGES                                                                         

There are two types of charges you pay while you have money in an investment
division:                                                                   

..   Separate Account charge, and                                               

..   Investment-related charge.                                                 

We describe these charges below. The amount of the charge may not necessarily   
correspond to costs associated with providing the services or benefits          
indicated by the designation of the charge or associated with the Deferred      
Annuity. For example, the withdrawal charge may not fully cover all of the      
sales and distribution expenses actually incurred by us and proceeds from other 
charges, including the Separate Account charge, may be used in part to cover    
such expenses. We can profit from certain Deferred Annuity charges.             

SEPARATE ACCOUNT CHARGE                                                         

Each class of the Deferred Annuity has a different annual Separate Account      
charge that is expressed as a percentage of average account value. A portion of 
the annual Separate Account charge is paid us daily based upon the value of the 
amount you have in the Separate Account on the day the charge is assessed. You  
pay an annual Separate Account charge that, during the pay-in phase, for the    
Standard Death Benefit will not exceed 0.50% for the e Class and 0.95% for the  
e Bonus Class of the average value of the amounts in the investment divisions,  
or, in the case of each American Funds(R) investment division, 0.75% for the e  
Class and 1.20% for the e Bonus Class.                                          

This charge pays us for the risk that you may live longer than we estimated.    
Then, we could be obligated to pay you more in payments from a pay-out option   
than we anticipated. Also, we bear the risk that the guaranteed death benefit   
we would pay should you die during your pay-in phase is larger than your        
Account Balance. This charge also includes the risk that our expenses in        
administering the Deferred Annuity may be greater than we estimated. The        
Separate Account charge also pays us for distribution costs to both our         
licensed salespersons and other broker-dealers. The Separate Account charges    
you pay will not reduce the number of accumulation units credited to you.       
Instead, we deduct the charges as part of the calculation of the Accumulation   
Unit Value. We guarantee that the Separate Account insurance-related charge     
will not increase while you have the Deferred Annuity.                          

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The chart below summarizes the maximum Separate Account charge for each class   
of the Deferred Annuity with each death benefit prior to entering the pay-out   
phase of the Contract.                                                          

SEPARATE ACCOUNT CHARGES* 

                                                                [Download Table]

                                              e Bonus
                                      e Class  Class 
                                      ------- -------
                                                     
StandardDeath Benefit                  0.50%   0.95% 
-----------------------------------------------------
OptionalAnnual Step-Up Death Benefit   0.60%   1.05% 
-----------------------------------------------------

 *   We currently charge an additional Separate Account charge of 0.25% of
      average daily net assets in the American Funds Growth-Income, American
 Funds Growth, American Funds Bond and American Funds Global Small
Capitalization investment divisions.                            

       We reserve the right to impose an additional Separate Account charge on
   investment divisions that we add to the contract in the future. The
     additional amount will not exceed the annual rate of 0.25% of average
daily net assets in any such investment divisions.              

INVESTMENT-RELATED CHARGE                                                       

This charge has two components. The first pays the investment managers for      
managing money in the Portfolios. The second consists of Portfolio operating    
expenses and 12b-1 Plan fees. The percentage you pay for the investment-related 
charge depends on which investment divisions you select. Each class of shares   
available to the Deferred Annuities, except for the Calvert Fund, has a 12b-1   
Plan fee, which pays for distribution expenses. Class B shares available in the 
Metropolitan Fund and the Met Investors Fund have a 0.25% 12b-1 Plan fee. Class 
C shares available in the Met Investors Fund have a 0.55% 12b-1 Plan fee, Class 
2 shares available in the American Funds(R) have a 0.25% 12b-1 Plan fee. The    
Calvert Fund shares which are available have no 12b-1 Plan fee. Amounts for     
each investment division for the previous year are listed in the Table of       
Expenses.                                                                       

ANNUAL CONTRACT FEE                                                             

 There is a $30 Annual Contract Fee which is deducted on a pro-rata basis from
the investment divisions on the last business day prior to the Contract     
Anniversary. This fee is waived if your Account Balance is at least $50,000 on  
the day the fee is to be deducted. This fee will also be waived if you are on   
medical leave approved by your employer or called to active armed service duty  
at the time the fee is to be deducted and your employer has informed us of your 
status. The fee will be deducted at the time of a total withdrawal of your      
Account Balance on a pro-rata basis (determined based upon the number of        
complete months that have elapsed since the prior Contract Anniversary). This   
fee pays us for our miscellaneous administrative costs. These costs which we    
incur include financial, actuarial, accounting and legal expenses.              

We reserve the right to waive the Annual Contract Fee for specific groups based 
upon the nature of the group, size, aggregate amount of anticipated purchase    
payments or anticipated persistency. The waiver will be implemented in a        
reasonable manner and will not be unfairly discriminatory to the interests of   
any contract holder.                                                            

OPTIONAL GUARANTEED MINIMUM INCOME BENEFIT                                      

The optional Guaranteed Minimum Income Benefit is available for an additional   
charge of 0.70% of the guaranteed minimum income base (as defined later in this 
Prospectus), deducted at the end of each Contract Year by withdrawing amounts   
on a pro-rata basis from your Fixed Interest Account balance (net of any        
outstanding loans) and Separate Account balance. (We take amounts from the      
Separate Account by canceling accumulation units from your Separate Account).   
Prior to May 4, 2009, the charge for the optional Guaranteed Minimum Income     
Benefit is 0.35% of the guaranteed minimum income base. (For employer groups    
with TSA ERISA, 457(b) and 403(a) Deferred Annuities that were established on   
or before May 1, 2009, which elected to make available the Guaranteed Minimum   
Income Benefit under their group contract, participants, who submit an          
application after May 1, 2009, will receive the lower charge of 0.35%.)         

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OPTIONAL LIFETIME WITHDRAWAL GUARANTEE BENEFIT                                  

The Lifetime Withdrawal Guarantee Benefit is available for an additional charge 
of 0.95% of the Total Guaranteed Withdrawal Amount, deducted at the end of each 
Contract Year by withdrawing amounts on a pro-rata basis from your Fixed        
Interest Account Balance and Separate Account Balance, after applying any 5%    
Compounding Income Amount and prior to taking into account any Automatic Annual 
Step-Up occurring on the Contract Anniversary. We take amounts from the         
Separate Account by canceling accumulation units from your Separate Account     
balance. If an Automatic Annual Step-Up occurs under a Lifetime Withdrawal      
Guarantee Benefit, we may increase the Lifetime Withdrawal Guarantee Benefit    
charge to the then current charge for the same optional benefit, but no more    
than a maximum of 0.95%. If the Lifetime Withdrawal Guarantee Benefit is in     
effect, the charge will continue even if your Remaining Guaranteed Withdrawal   
Amount equals zero. Prior to May 4, 2009, the charge for the optional Lifetime  
Withdrawal Guarantee Benefit prior to any Automatic Step-Up is 0.50% of the     
Total Guaranteed Withdrawal Amount and the maximum charge upon an Automatic     
Annual Step-Up is 0.95%.                                                        

PREMIUM AND OTHER TAXES                                                         

Some jurisdictions tax what are called "annuity considerations." These may
apply to purchase payments, Account Balances and death benefits. In most  
jurisdictions, we currently do not deduct any money from purchase payments,     
Account Balances or death benefits to pay these taxes. Generally, our practice  
is to deduct money to pay premium taxes (also known as "annuity" taxes) only    
when you exercise a pay-out option. In certain jurisdictions, we may deduct     
money to pay premium taxes on lump sum withdrawals or when you exercise a       
pay-out option. We may deduct an amount to pay premium taxes some time in the   
future since the laws and the interpretation of the laws relating to annuities  
are subject to change.                                                          

Premium taxes, if applicable, depend on the Deferred Annuity you purchase and   
your home state or jurisdiction. The chart in Appendix I shows the              
jurisdictions where premium taxes are charged and the amount of these taxes.    

We also reserve the right to deduct from purchase payments, Account Balances,   
withdrawals or income payments, any taxes (including, but not limited to,       
premium taxes) paid by us to any government entity relating to the Contracts.   
Examples of these taxes include, but are not limited to, 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. 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     
Balance at a later date. Payment at an earlier date does not waive any right we 
may have to deduct amounts at a later date.                                     

WITHDRAWAL CHARGES                                                              

A withdrawal charge may apply if you make a withdrawal from your e Bonus
  Class Deferred Annuity. There are no withdrawal charges for the e Class or
in certain situations or upon the occurrence of certain events (see "When No    
Withdrawal Charges Applies"). A withdrawal charge may be assessed if amounts    
are withdrawn pursuant to divorce or a separation instrument, if permissible    
under tax law. The withdrawal charge will be determined separately for each     
investment division from which a withdrawal is made. The withdrawal charge is   
assessed against the amount withdrawn.                                          

For a full withdrawal, we multiply the amount to which the withdrawal charge    
applies by the percentage shown, keep the result as a withdrawal charge and pay 
you the rest.                                                                   

For partial withdrawals, we multiply the amount to which the withdrawal charge  
applies by the percentage shown, keep the result as a withdrawal charge and pay 
you the rest. We will treat your request as a request for a full withdrawal if  
your Account Balance is not sufficient to pay both the requested withdrawal and 
the withdrawal charge, or if the withdrawal leaves an Account Balance that is   
less than the minimum required.                                                 

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The withdrawal charge on the amount withdrawn for each class is as follows:     

                                                                [Download Table]


IF WITHDRAWN DURING CONTRACT YEAR  E CLASS E BONUS CLASS
---------------------------------  ------- -------------
                                                        
           1......................  None         3%     
           2......................               3%     
           3......................               3%     
           4......................               3%     
           5......................               3%     
           6......................               3%     
           7......................               3%     
           Thereafter.............               0%     

The withdrawal charge reimburses us for our costs in selling the Deferred       
Annuities. We may use our profits (if any) from the Separate Account charge to  
pay for our costs to sell the Deferred Annuities which exceed the amount of     
withdrawal charges we collect.                                                  

WHEN NO WITHDRAWAL CHARGE APPLIES TO THE E BONUS CLASS                          

In some cases, we will not charge you the withdrawal charge when you make a     
withdrawal. We may, however, ask you to prove that you meet any of the          
conditions listed below.                                                        

You do not pay a withdrawal charge:                                             

..   On transfers you make within your Deferred Annuity among investment        
divisions and transfers to or from the Fixed Interest Account.          

..   On the amount surrendered after seven Contract Years.                      

..   If you choose payments over one or more lifetimes, except, in certain      
cases, under the Guaranteed Minimum Income Benefit.                     

..   If you die during the pay-in phase. Your beneficiary will receive the full 
death benefit without deduction.                                        

..   After the first Contract Year, if you withdraw up to 10% of your total     
  Account Balance, per Contract Year. This 10% total withdrawal may be taken
in an unlimited number of partial withdrawals during that Contract Year.
These withdrawals are made on a non-cumulative basis.                   

..   If the withdrawal is to avoid required Federal income tax penalties or to  
satisfy Federal income tax rules concerning minimum distribution        
requirements that apply to your Deferred Annuity. For purposes of this  
exception, we assume that the Deferred Annuity is the only contract or  
funding vehicle from which distributions are required to be taken and we
will ignore all other account balances. This exception does not apply if
  the withdrawal is to satisfy Section 72(t) requirements under the Internal
Revenue Code.                                                           

..   This Contract feature is only available if you are less than 80 years old  
   on the Contract issue date. For the TSA, SEP and SIMPLE Deferred Annuities,
   after the first Contract Year, if approved in your state, and your Contract
provides for this, to withdrawals to which a withdrawal charge would    
otherwise apply, if you as owner or participant under a Contract:       

..   have been a resident of certain nursing home facilities or a hospital for a
minimum of 90 consecutive days or for a minimum total of 90 days where  
   there is no more than a 6 month break in that residency and the residencies
 are for related causes, where you have exercised this right no later than
90 days of exiting the nursing home facility or hospital; or            

..   are diagnosed with a terminal illness and not expected to live more than 12
months.                                                                 

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..   This Contract feature is only available if you are less than 65 years old  
  on the date you became disabled and if the disability commences subsequent
to the first Contract Anniversary. After the first Contract Year, if    
approved in your state, and your Contract provides for this, if you are 
   disabled as defined in the Federal Social Security Act and if you have been
the participant continuously since the issue of the Contract.           

..   If you have transferred money which is not subject to a withdrawal charge  
   (because you have satisfied contractual provisions for a withdrawal without
the imposition of a contract withdrawal charge) from certain eligible   
  MetLife contracts or certain eligible contracts of MetLife affiliates into
the Deferred Annuity, and the withdrawal is of these transferred amounts
  and we agree. Any purchase payments made after the transfer are subject to
the usual withdrawal charge schedule.                                   

..   If you make a direct transfer to other investment vehicles we have         
pre-approved.                                                           

..   If your plan or group of which you are a participant or member permits     
account reduction loans, you take an account reduction loan and the     
withdrawal consists of these account reduction loan amounts.            

..   If approved in your state, and if you elect the Lifetime Withdrawal        
Guaranteed Benefit and take your Annual Benefit Payment through the     
    Systematic Withdrawal Program and only withdraw your Annual Benefit Payment.

..   Subject to availability in your state, if the early withdrawal charge that 
  would apply if not for this provision (1) would constitute less than 0.50%
  of your Account Balance and (2) you transfer your total Account Balance to
certain eligible contracts issued by MetLife or its affiliated companies
and we agree.                                                           

..   If approved in your state, and after the first Contract Year, if you elect 
the Lifetime Withdrawal Guarantee Benefit and only make withdrawals each
  Contract Year that do not exceed on a cumulative basis your Annual Benefit
Payment.                                                                

FREE LOOK                                                                       

 You may cancel your TSA Deferred Annuity within a certain time period. This
  is known as a "free look." Not all contracts issued are subject to free look
provisions under state law. We must receive your request to cancel in writing   
by the appropriate day in your state, which varies from state to state. The     
time period may also vary depending on your age and whether you purchased your  
Deferred Annuity from us directly, through the mail or with money from another  
annuity or life insurance policy. Depending on state law, we may refund all of  
your purchase payments or your Account Balance as of the date your refund       
request is received at your Administrative Office in good order.                

For the TSA Deferred Annuity, any 3% credit from purchase payments does not     
become yours until after the "free look" period; we retrieve it if you exercise 
the "free look". Your exercise of any "free look" is the only circumstance      
under which the 3% credit will be retrieved (commonly called "recapture"). If   
your state requires us to refund your Account Balance, the refunded amount will 
include any investment performance attributable to the 3% credit. If there are  
any losses from investment performance attributable to the 3% credit, we will   
bear that loss.                                                                 

DEATH BENEFIT--GENERALLY                                                        

  One of the insurance guarantees we provide you under your Deferred Annuity
is that your beneficiaries will be protected during the "pay-in" phase  
against market downturns. You name your beneficiary(ies).                       

If you intend to purchase the Deferred Annuity for use with a SEP or SIMPLE     
IRA, please refer to the discussion concerning IRAs in the Tax Section of this  
Prospectus.                                                                     

The standard death benefit is described below. An additional optional death     
benefit is described in the "Optimal Benefits" section. Check your contract and 
riders for the specific provisions applicable to you. The additional optional   
death benefit may not be available in your state (check with your registered    
representative regarding availability).                                         

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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.         

If we are presented in good order with notification of your death before any    
requested transaction is completed (including transactions under automated      
investment strategies, the minimum distribution program and the Systematic      
Withdrawal Program), we will cancel the request. As described above, the death  
benefit will be determined when we receive 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 Balance 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 Balance, in accordance with the current allocation of the       
Account Balance. This death benefit amount remains in the investment divisions  
until each of the other beneficiaries submits the necessary documentation in    
good order to claim his/her death benefit. Any death benefit amounts held in    
the investment divisions on behalf of the remaining beneficiaries are subject   
to investment risk. There is no additional death benefit guarantee.             

Your beneficiary has the option to apply the death benefit less any applicable  
premium taxes to a pay-out option offered under your Deferred Annuity. Your     
beneficiary may, however, decide to take payment in one sum, including either   
by check, by placing the amount in an account that earns interest, or by any    
other method of payment that provides the beneficiary with immediate and full   
access to the proceeds, or under other settlement options that we may make      
available.                                                                      

TOTAL CONTROL ACCOUNT                                                           

The beneficiary may elect to have the Contract's death proceeds paid through a  
settlement option called the Total Control Account. The Total Control Account   
is an interest-bearing account through which the beneficiary has immediate and  
full access to the proceeds, with unlimited draft writing privileges. We credit 
interest to the account at a rate that will not be less than a guaranteed       
minimum annual effective rate.                                                  

Assets backing the Total Control Accounts are maintained in our general account 
and are subject to the claims of our creditors. We will bear the investment     
experience of such assets; however, regardless of the investment experience of  
such assets, the interest credited to the Total Control Account will never fall 
below the applicable guaranteed minimum annual effective rate. Because we bear  
the investment experience of the assets backing the Total Control Accounts, we  
may receive a profit from these assets. The Total Control Account is not        
insured by the FDIC or any other governmental agency.                           

STANDARD DEATH BENEFIT                                                          

If you die during the pay-in phase and you have not chosen the optional death   
benefit, the death benefit the beneficiary receives will be equal to the        
greatest of:                                                                    

1. Your Account Balance, less any outstanding loans or                          

2. Total purchase payments reduced proportionately by the percentage reduction  
in Account Balance attributable to each partial withdrawal, less any      
outstanding loans.                                                        

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EXAMPLE 

                                                        [Enlarge/Download Table]

----------------------------------------------------------------------------------------------------
                                                          Date                       Amount         
                                              ------------------------------ -----------------------
                                                                                                    
A   Initial Purchase Payment                            10/1/2011                   $100,000        
----------------------------------------------------------------------------------------------------
B   Account Balance                                     10/1/2012                   $104,000        
                                              (First Contract Anniversary)                          
----------------------------------------------------------------------------------------------------
C   Death Benefit                                    As of 10/1/2012                $104,000        
                                                                             (= greater of A and B) 
----------------------------------------------------------------------------------------------------
D   Account Balance                                     10/1/2013                   $90,000         
                                              (Second Contract Anniversary)                         
----------------------------------------------------------------------------------------------------
E   Death Benefit                                       10/1/2013                   $100,000        
                                                                             (= greater of A and D) 
----------------------------------------------------------------------------------------------------
F   Withdrawal                                          10/2/2013                    $9,000         
----------------------------------------------------------------------------------------------------
G   Percentage Reduction in Account Balance             10/2/2013                     10%           
                                                                                    (= F/D)         
----------------------------------------------------------------------------------------------------
H   Account Balance after Withdrawal                    10/2/2013                   $81,000         
                                                                                    (= D-F)         
----------------------------------------------------------------------------------------------------
I   Purchase Payments reduced for Withdrawal         As of 10/2/2013                $90,000         
                                                                                 [= A-(A X G)]      
----------------------------------------------------------------------------------------------------
J   Death Benefit                                       10/2/2013                   $90,000         
                                                                             (= greater of H and I) 
----------------------------------------------------------------------------------------------------

Notes to Example:                                                               

Any withdrawal charge withdrawn from the Account Balance is included when       
determining the percentage of Account Balance withdrawn.                        

Account Balances on 10/1/12 and 10/2/12 are assumed to be equal prior to the    
withdrawal.                                                                     

There are no loans.                                                             

OPTIONAL BENEFITS                                                               

Please note that the decision to purchase optional benefits is made at the time 
of application and is irrevocable. In limited circumstances, the Lifetime       
Withdrawal Guarantee Benefit may be cancelled. (See "Lifetime Withdrawal        
Guarantee Benefit -- Cancellation"). The optional benefit is in effect until it 
terminates. Optional benefits are available subject to state approval. Your     
employer, association or other group contract holder may limit the availability 
of any optional benefit. (An account reduction loan will decrease the value of  
any optional benefits purchased with this Contract. See your employer for more  
information about the availability and features of account reduction loans.)    
Optional Benefits may have certain adverse tax consequences. Please consult     
your tax advisor and the section "Income Taxes" later in this prospectus prior  
to purchase of any optional benefit                                             

ANNUAL STEP-UP DEATH BENEFIT                                                    

The Annual Step-Up Death Benefit is designed to provide protection against
adverse investment experience. In general, it guarantees that the death   
benefit will not be less than the greater of (1) your Account Balance; or (2)   
your "Highest Anniversary Value" (as described below) as of each Contract       
Anniversary.                                                                    

You may purchase at application a death benefit that provides that the death    
benefit amount is equal to the greater of:                                      

1. The Account Balance, less any outstanding loans; or                          

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2. "Highest Anniversary Value" as of each Contract Anniversary, determined as   
follows:                                                                  

 .   At issue, the Highest Anniversary Value is your initial purchase payment;

.   Increase the Highest Anniversary Value by each subsequent purchase      
payment;                                                            

.   Reduce the Highest Anniversary Value proportionately by the percentage  
reduction in Account Balance attributable to each subsequent partial
withdrawal, less any outstanding loans;                             

.   On each Contract Anniversary before your 81st birthday, compare the (1) 
     then Highest Anniversary Value to the (2) current Account Balance and set
the Highest Anniversary Value equal to the greater of the two.      

.   After the Contract Anniversary immediately preceding your 81st birthday,
adjust the highest Account Balance only to:                         

.   Increase the Highest Anniversary Value by each subsequent purchase
payment or                                                    

    .   Reduce the Highest Anniversary Value proportionately by the percentage
      reduction in Account Balance attributable to each subsequent partial
withdrawal, less any outstanding loans.                       

For purposes of determining the Highest Anniversary Value as of the applicable  
Contract Anniversary, purchase payments increase the Highest Anniversary Value  
on a dollar for dollar basis. Partial withdrawals, however, reduce the Highest  
Anniversary Value proportionately, that is, the percentage reduction is equal   
to the dollar amount of the withdrawal (plus applicable withdrawal charges)     
divided by the Account Balance immediately before the withdrawal.               

The Annual Step-Up Death Benefit is available for a charge, in addition to the  
Standard Death Benefit charge, of 0.10% annually of the average daily value of  
the amount you have in the Separate Account.                                    

EXAMPLE:  

                                                        [Enlarge/Download Table]

-----------------------------------------------------------------------------------------------------
                                                           Date                       Amount         
                                               ------------------------------ -----------------------
                                                                                                     
A   Initial Purchase Payment                             10/1/2011                   $100,000        
-----------------------------------------------------------------------------------------------------
B   Account Balance                                      10/1/2012                   $104,000        
                                               (First Contract Anniversary)                          
-----------------------------------------------------------------------------------------------------
C   Death Benefit (Highest Anniversary Value)         As of 10/1/2012                $104,000        
                                                                              (= greater of A and B) 
-----------------------------------------------------------------------------------------------------
D   Account Balance                                      10/1/2013                   $90,000         
                                               (Second Contract Anniversary)                         
-----------------------------------------------------------------------------------------------------
E   Death Benefit (Highest Contract Year                 10/1/2013                   $104,000        
    Anniversary)                                                              (= greater of C and D) 
-----------------------------------------------------------------------------------------------------
F   Withdrawal                                           10/2/2013                    $9,000         
-----------------------------------------------------------------------------------------------------
G   Percentage Reduction in Account Balance              10/2/2013                     10%           
                                                                                     (= F/D)         
-----------------------------------------------------------------------------------------------------
H   Account Balance after Withdrawal                     10/2/2013                   $81,000         
                                                                                     (= D-F)         
-----------------------------------------------------------------------------------------------------
I   Highest Anniversary Value reduced for             As of 10/2/2013                $93,600         
    Withdrawal                                                                   (= E - (E X G))     
-----------------------------------------------------------------------------------------------------
J   Death Benefit                                        10/2/2013                   $93,600         
                                                                              (= greater of H and I) 
-----------------------------------------------------------------------------------------------------

Notes to Example:                                                               

Any withdrawal charge withdrawn from the Account Balance is included when       
determining the percentage of Account Balance withdrawn.                        

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The Account Balances on 10/1/12 and 10/2/12 are assumed to be equal prior to    
the withdrawal.                                                                 

The purchaser is age 60 at issue.                                               

There are no loans.                                                             

GUARANTEED MINIMUM INCOME BENEFIT (MAY ALSO BE KNOWN AS THE "PREDICTOR" IN OUR  
SALES LITERATURE AND ADVERTISING)                                               

You may purchase this benefit at application (up to but not including age 76)   
which guarantees a minimum income payment in the pay-out phase of your Deferred 
Annuity (a payment "floor"). You retain the ability to choose to receive income 
payments based upon the Account Balance of your Deferred Annuity rather than    
the guaranteed income amount available under this benefit. This benefit is      
intended to protect you against poor investment performance. THE GUARANTEED     
MINIMUM INCOME BENEFIT DOES NOT ESTABLISH OR GUARANTEE AN ACCOUNT BALANCE OR    
MINIMUM RETURN FOR ANY INVESTMENT DIVISION. THE GUARANTEED MINIMUM INCOME BASE  
IS NOT AVAILABLE FOR WITHDRAWALS.                                               

YOU MAY ONLY EXERCISE THIS BENEFIT AFTER A 10 YEAR WAITING PERIOD AND THEN ONLY 
WITHIN A 30 DAY PERIOD FOLLOWING A CONTRACT ANNIVERSARY, PROVIDED THAT THE      
EXERCISE MUST OCCUR NO LATER THAN THE 30 DAY PERIOD FOLLOWING THE CONTRACT      
ANNIVERSARY ON OR FOLLOWING YOUR 85TH BIRTHDAY. Partial annuitization is not    
permitted under this optional benefit and no change in the owner of the         
Contract or the participant is permitted.                                       

WITHDRAWAL CHARGES ARE NOT WAIVED IF YOU EXERCISE THIS OPTION WHILE WITHDRAWAL  
CHARGES APPLY.                                                                  

The only income types available with the purchase of this benefit are a         
Lifetime Income Annuity with a 10 Year Guarantee Period or a Lifetime Income    
Annuity for Two with a 10 Year Guarantee Period. If you decide to receive       
income payments under a Lifetime Income Annuity with a 10 year Guarantee Period 
after age 79, the 10 year guarantee is reduced as follows:                      

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

Age at Pay-Out                Guarantee     
----------------------------------------------------- 
80                       9 years
----------------------------------------------------- 
81                       8 years
----------------------------------------------------- 
82                       7 years
----------------------------------------------------- 
83                       6 years
----------------------------------------------------- 
84 and 85                   5 years   
----------------------------------------------------- 

Lifetime Income Annuity for Two is available if the ages of the joint           
annuitants are 10 years apart or less (or as permissible under our then current 
underwriting requirements, if more favorable).                                  

You may not exercise this benefit if you have an outstanding loan balance. You  
may exercise this benefit if you repay your outstanding loan balance. If you    
desire to exercise this benefit and have an outstanding loan balance and repay  
the loan by making a partial withdrawal, your guaranteed minimum income base    
will be reduced to adjust for the repayment of the loan, according to the       
formula described below.                                                        

The guaranteed minimum income base is equal to the greatest of:                 

1. The Annual Increase Amount which is the sum total of each purchase payment   
accumulated at a rate of 6% a year, through the Contract Anniversary date 
immediately preceding your 81st birthday, reduced by the sum total of each
 withdrawal adjustment accumulated at the rate of 6% a year from the date of
the withdrawal. The withdrawal adjustment is the Annual Increase Amount   
immediately prior to the withdrawal multiplied by the percentage reduction
  in Account Balance attributable to the withdrawal, if total withdrawals in a
  Contract Year are more than 6% of the Annual Increase Amount at the previous
Contract Anniversary. If total withdrawals in a Contract Year are less    

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 than 6% of the Annual Increase Amount at the previous Contract Anniversary,
 the withdrawal adjustment is the dollar amount of total partial withdrawals
treated as a single withdrawal at the end of the Contract Year; or        

2. "Highest Anniversary Value" as of each Contract Anniversary, determined as   
follows:                                                                  

 .   At issue, the Highest Anniversary Value is your initial purchase payment;

.   Increase the Highest Anniversary Value by each subsequent purchase      
payment;                                                            

.   Reduce the Highest Anniversary Value proportionately by the percentage  
reduction in Account Balance attributable to each subsequent partial
withdrawal;                                                         

.   On each Contract Anniversary before your 81st birthday, compare the (1) 
   then-Highest Anniversary Value to the (2) current Anniversary Value and
set the Highest Anniversary Value equal to the greater of the two.  

.   After the Contract Anniversary immediately preceding your 81st birthday,
adjust the Highest Anniversary Value only to:                       

.   Increase the Highest Anniversary Value by each subsequent purchase
payment or                                                    

    .   Reduce the Highest Anniversary Value proportionately by the percentage
      reduction in Account Balance attributable to each subsequent partial
withdrawal.                                                   

THIS BASE IS THEN APPLIED TO THE CONSERVATIVE ANNUITY RATES GUARANTEED IN THE   
GUARANTEED MINIMUM INCOME BENEFIT RIDER. The rates used are based on the        
Annuity 2000 Mortality Table with a 7-year age setback, with interest of 2.5%   
per year. As with other pay-out types, the amount you receive as an income      
payment depends also on your age and the income type you select. APPLYING YOUR  
ACCOUNT BALANCE (LESS ANY PREMIUM TAXES, APPLICABLE CONTRACT FEES AND           
OUTSTANDING LOANS) TO OUR CURRENT ANNUITY RATES MAY PRODUCE GREATER INCOME      
PAYMENTS THAN THOSE GUARANTEED UNDER THIS BENEFIT. IN THAT CASE, YOU WILL       
RECEIVE THE HIGHER AMOUNT AND WILL HAVE PAID FOR THE BENEFIT WITHOUT USING IT.  

For purposes of determining the Highest Anniversary Value as of the applicable  
Contract Anniversary, purchase payments increase the Account Balance on a       
dollar for dollar basis. Partial withdrawals, however, reduce Account Balance   
proportionately, that is the percentage reduction is equal to the dollar amount 
of the withdrawal (plus applicable withdrawal charges), divided by the Account  
Balance immediately before the withdrawal.                                      

This option will terminate upon the earliest of:                                

1. The 30th day following the Contract Anniversary immediately after your 85th  
birthday;                                                                 

2. When you take a total withdrawal of your Account Balance (a pro-rata portion 
of the charge for the Guaranteed Minimum Income Benefit will be applied   
   based on how much time has elapsed since the end of the prior Contract Year);

3. When you elect to receive income payments under an income option and you are 
not eligible to exercise the Guaranteed Minimum Income Benefit option (a  
pro-rata portion of the charge for the Guaranteed Minimum Income Benefit  
will be applied);                                                         

4. On the day there are insufficient amounts to deduct the charge for the       
Guaranteed Minimum Income Benefit from your Account Balance; or           

5. If you die.                                                                  

If your employer association or other group contract holder has instituted      
account reduction loans for its plan or arrangement, you have taken a loan and  
you have also purchased the Guaranteed Minimum Income Benefit, we will not      
treat amounts withdrawn from your Account Balance on account of a loan as a     
withdrawal from the Contract for purposes                                       

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of determining the Guaranteed Minimum Income Base. In addition, we will not     
treat the repayment of loan amounts as a purchase payment to the Contract for   
the purposes of determining the guaranteed minimum income base.                 

The Guaranteed Minimum Income Benefit is available in Deferred Annuities for an 
additional charge of 0.70% of the guaranteed minimum income base, deducted at   
the end of each Contract Year, by withdrawing amounts on a pro-rata basis from  
your Fixed Interest Account balance (net of any outstanding loans) and Separate 
Account balance. (We take amounts from the Separate Account by canceling        
accumulation units from your Separate Account.) Prior to May 4, 2009, the       
charge for the optional Guaranteed Minimum Income Benefit is 0.35% of the       
guaranteed minimum income base. (For employer groups with TSA ERISA, 457(b) and 
403(a) Deferred Annuities that were established on or before May 1, 2009 which  
elected at issue to make available the Guaranteed Minimum Income Benefit under  
their group Contract, participants who submit an application after May 1, 2009, 
will receive the lower charge of 0.35%.)                                        

GUARANTEED MINIMUM INCOME BENEFIT AND QUALIFIED CONTRACTS                       

THE GUARANTEED MINIMUM INCOME BENEFIT MAY HAVE LIMITED USEFULNESS IN CONNECTION 
WITH A QUALIFIED CONTRACT, SUCH AS AN IRA, TSA, TSA ERISA, 403(A) OR 457(B) IN  
CIRCUMSTANCES WHERE, DUE TO THE TEN YEAR WAITING PERIOD AFTER PURCHASE, THE     
OWNER IS UNABLE TO EXERCISE THE BENEFIT UNTIL AFTER THE REQUIRED BEGINNING DATE 
OF REQUIRED MINIMUM DISTRIBUTIONS UNDER THE CONTRACT. In such event, required   
minimum distributions received from the Contract during the ten year waiting    
period will have the effect of reducing the guaranteed minimum income base      
either on a proportionate or dollar for dollar basis, as the case may be. This  
may have the effect of reducing or eliminating the value of annuity payments    
under the Guaranteed Minimum Income Benefit. You should consult your tax        
adviser prior to electing a Guaranteed Minimum Income Benefit.                  

EXAMPLE:  

(This calculation ignores the impact of Highest Anniversary Value which could   
further increase the guaranteed minimum income base.)                           

Age 55 at issue                                                           
Purchase Payment = $100,000.                                              
No additional purchase payments or partial withdrawals.                   
Guaranteed minimum income base at age 65 =  $100,000X1.0610  = $179,085   
where 10 equals the number of years the purchase payment accumulates for  
purposes of calculating this benefit.                                     

 Guaranteed minimum income floor = guaranteed minimum income base applied to
the Guaranteed Minimum Income Benefit annuity table.                      

  Guaranteed Minimum Income Benefit annuity factor, unisex, age 65 = $4.21 per
month per $1,000 applied for lifetime income with 10 years guaranteed.    

$179,085 X $4.21 = $754 per month.                                        
--                                                                        
$1,000                                                                  

                                                                [Download Table]

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

                         Guaranteed
                          Minimum  
                           Income  
Issue Age Age at Pay-Out   Floor   
-----------------------------------
                                   
   55           65          $754   
-----------------------------------
                70         $1,131  
-----------------------------------
                75         $1,725  
-----------------------------------

The above chart ignores the impact of premium and other taxes.                  

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GRAPHIC EXAMPLES                                                                

The purpose of these examples is to illustrate the operation of the Guaranteed  
Minimum Income 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 investment allocations and the investment experience of the           
investment divisions chosen. THE EXAMPLES DO NOT REFLECT THE DEDUCTION OF FEES  
AND CHARGES, WITHDRAWAL CHARGES OR INCOME TAXES OR PENALTIES.                   

(1)THE 6% ANNUAL INCREASE AMOUNT OF THE INCOME BASE                             

Determining a value upon which future income payments will be based       

Assume that you make an initial purchase payment of $100,000. Prior to    
 annuitization, your Account Balance fluctuates above and below your initial
purchase payment depending on the investment performance of the investment
divisions you selected. Your purchase payments accumulate at the annual   
 increase rate of 6%, until the Contract Anniversary on or immediately after
  the contract owner's 81st birthday. Your purchase payments are also adjusted
  for any withdrawals (including any applicable withdrawal charge) made during
this period. The line (your purchase payments accumulated at 6% a year    
adjusted for withdrawals and charges "the 6% Annual Increase Amount of the
Income Base") is the value upon which future income payments can be based.

[6% Annual Income Base Chart] 

Determining your guaranteed lifetime income stream                        

Assume that you decide to annuitize your Contract and begin taking annuity
 payments after 30 years. In this example, your 6% Annual Increase Amount of
the Income Base is higher than the Highest Anniversary Value and will     
 produce a higher income benefit. Accordingly, the 6% Annual Increase Amount
of the Income Base will be applied to the annuity pay-out rates in the    
Guaranteed Minimum Income Benefit Annuity Table to determine your lifetime
 annuity payments. THE INCOME BASE IS NOT AVAILABLE FOR CASH WITHDRAWALS AND
IS ONLY USED FOR PURPOSES OF CALCULATING THE GUARANTEED MINIMUM INCOME    
BENEFIT PAYMENT AND THE CHARGE FOR THE BENEFIT.                           

[10 Year Waiting Period with 6% Annual Income Base and Annuity for life CHART]  

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(2)THE "HIGHEST ANNIVERSARY VALUE" ("HAV")                                      

Determining a value upon which future income payments will be based       

Prior to annuitization, the Highest Anniversary Value at each Contract    
Anniversary begins to lock in growth. The Highest Anniversary Value is    
adjusted upward each Contract Anniversary if the Account Balance at that  
time is greater than the amount of the current Highest Anniversary Value. 
 Upward adjustments will continue until the Contract Anniversary immediately
prior to the contract owner's 81st birthday. The Highest Anniversary Value
also is adjusted for any withdrawals taken (including any applicable      
 withdrawal charge) or any additional payments made. The Highest Anniversary
Value line is the value upon which future income payments can be based.   

[Highest  Account Balance Income Base Chart]  

Determining your guaranteed lifetime income stream                        

Assume that you decide to annuitize your Contract and begin taking annuity
payments after 20 years. In this example, the Highest Anniversary Value is
 higher than the Account Balance. Accordingly, the Highest Anniversary Value
  will be applied to the annuity payout rates in the Guaranteed Minimum Income
Benefit Annuity Table to determine your lifetime annuity payments. THE    
INCOME BASE IS NOT AVAILABLE FOR CASH WITHDRAWALS AND IS ONLY USED FOR    
PURPOSES OF CALCULATING THE GUARANTEED MINIMUM INCOME BENEFIT PAYMENT AND 
THE CHARGE FOR THE BENEFIT.                                               

[10 Year Waiting Period with Highest Account Balance Income Base and Annuity  
for Life Chart] 

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(3)PUTTING IT ALL TOGETHER                                                      

  Prior to annuitization, the two components of the income base (the 6% Annual
Increase Amount of the Income Base and the Highest Anniversary Value) work
 together to protect your future income. Upon annuitization of the Contract,
 you will receive income payments for life and the guaranteed minimum income
base and the Account Balance will cease to exist. Also, the Guaranteed    
Minimum Income Benefit may only be exercised no later than the Contract   
Anniversary on or following the contract owner's 80th birthday, after a 10
year waiting period, and then only within a 30 day period following the   
Contract Anniversary.                                                     

[10 Year Waiting Period with Highest Account Balance Income Base and 6% Annual  
Income Base Chart]  

With the Guaranteed Minimum Income Benefit, the income base is applied to 
special, conservative Guaranteed Minimum Income Benefit annuity purchase  
factors, which are guaranteed at the time the Contract is issued. However,
if then-current annuity purchase factors applied to the Account Balance   
 would produce a greater amount of income, then you will receive the greater
amount. In other words, when you annuitize your Contract you will receive 
whatever amount produces the greatest income payment. THEREFORE, IF YOUR  
 ACCOUNT BALANCE WOULD PROVIDE GREATER INCOME THAN WOULD THE AMOUNT PROVIDED
UNDER THE GUARANTEED MINIMUM INCOME BENEFIT, YOU WILL HAVE PAID FOR THE   
GUARANTEED MINIMUM INCOME BENEFIT ALTHOUGH IT WAS NEVER USED.             

[10 Year Waiting Period with Highest Account Balance Income Base and 6% Annual  
Income Base with Income Annuity for Life Chart] 

LIFETIME WITHDRAWAL GUARANTEE BENEFIT                                           

In states where approved, we offer the Lifetime Withdrawal Guarantee Benefit    
for elective TSA (non-ERISA), SEP and SIMPLE IRA Deferred Annuities. If you     
elect the Lifetime Withdrawal Guarantee Benefit, Roth TSA purchase payments may 
be permitted. THE LIFETIME WITHDRAWAL GUARANTEE BENEFIT DOES NOT ESTABLISH OR   
GUARANTEE AN ACCOUNT BALANCE OR MINIMUM RETURN FOR ANY INVESTMENT DIVISION. THE 
REMAINING GUARANTEED WITHDRAWAL AMOUNT AND TOTAL GUARANTEED WITHDRAWAL AMOUNT   
ARE NOT AVAILABLE FOR WITHDRAWAL. CONTRACT WITHDRAWAL CHARGES MAY APPLY TO YOUR 
WITHDRAWALS. Ordinary income taxes apply to withdrawals under this benefit and  
an additional 10% penalty tax may apply if you are under age 59 1/2. Consult    
your own tax advisor to determine if an exception to the 10% penalty tax        
applies. You may not have this benefit and the Guaranteed Minimum Income        
Benefit in effect at the same time. You should carefully consider if the        
Lifetime Withdrawal Guarantee Benefit is best for you. Here are some of the key 
features of the Lifetime Withdrawal Guarantee Benefit.                          

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..   Guaranteed Payments for Life. So long as you make your first withdrawal on 
 or after the date you reach age 59 1/2, the Lifetime Withdrawal Guarantee
Benefit guarantees that we will make payments to you over your lifetime,
  even if your Remaining Guaranteed Withdrawal Amount and/or Account Balance
decline to zero.                                                        

..   Automatic Annual Step-Ups. The Lifetime Withdrawal Guarantee Benefit       
provides automatic step-ups on each Contract Anniversary prior to the   
 owner's 86th birthday (and offers the owner the ability to opt out of the
  step-ups if the charge for this optional benefit should increase). Each of
  the Automatic Step-Ups will occur only prior to the owner's 86th birthday.

..   Withdrawal Rates. The Lifetime Withdrawal Guarantee Benefit uses a 5%      
withdrawal rate to determine the Annual Benefit Payment.                

..   Cancellation. The Lifetime Withdrawal Guarantee Benefit provides the       
   ability to cancel the rider every five Contract Years for the first fifteen
Contract Years and annually thereafter within 30 days following the     
eligible Contract Anniversary.                                          

..   Allocation Restrictions. If you elect the Lifetime Withdrawal Guarantee    
 Benefit, you are limited to allocating your purchase payments and Account
  Balance among the Fixed Interest Account, and certain investment divisions
(as described below).                                                   

In considering whether to purchase the Lifetime Withdrawal Guarantee Benefit,   
you must consider your desire for protection and the cost of the benefit with   
the possibility that had you not purchased the benefit, your Account Balance    
may be higher. In considering the benefit of the lifetime withdrawals, you      
should consider the impact of inflation. Even relatively low levels of          
inflation may have 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, the Lifetime Withdrawal Guarantee Benefit, 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 Benefit is in effect. We assess the Lifetime      
Withdrawal Guarantee Benefit charge as a percentage of the Total Guaranteed     
Withdrawal Amount. The initial Total Guaranteed Withdrawal Amount is equal to   
your initial purchase payment, without taking into account any purchase payment 
credits (i.e., credit or bonus payments). The Total Guaranteed Withdrawal       
Amount is increased by additional purchase payments (up to a maximum benefit    
amount of $5,000,000). If, however, a withdrawal results in cumulative          
withdrawals for the current Contract Year that exceed the Annual Benefit        
Payment, the Total Guaranteed Withdrawal Amount will be reduced by an amount    
equal to the difference between the Total Guaranteed Withdrawal Amount and the  
Account Balance after the withdrawal (if such Account Balance is lower than the 
Total Guaranteed Withdrawal Amount).                                            

5% COMPOUNDING INCOME AMOUNT.  On each Contract Anniversary until the earlier   
of: (a) the date of the first withdrawal from the Contract or (b) the tenth     
Contract Anniversary, the Total Guaranteed Withdrawal Amount and the Remaining  
Guaranteed Withdrawal Amount are increased by an amount equal to 5% multiplied  
by the Total Guaranteed Withdrawal Amount and the Remaining Guaranteed          
Withdrawal Amount before such increase (up to a maximum benefit amount of       
$5,000,000). The Total Guaranteed Withdrawal Amount and the 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.                                     

REMAINING GUARANTEED WITHDRAWAL AMOUNT.  The Remaining Guaranteed Withdrawal    
Amount is the remaining amount guaranteed to be received over time. The         
Remaining Guaranteed Withdrawal Amount is calculated in the same manner as the  
Total Guaranteed Withdrawal Amount, with the exception that all withdrawals     
(including applicable withdrawal charges) reduce the Remaining Guaranteed       
Withdrawal Amount, not just withdrawals that exceed the Annual Benefit Payment  
(as with the Total Guaranteed Withdrawal Amount). The Remaining Guaranteed      
Withdrawal Amount is also increased by the 5% Compounding Income Amount, as     
described above.                                                                

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TAKING YOUR FIRST WITHDRAWAL.                                                   

..   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
Balance declines to zero.                                               

..   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, even if your Remaining Guaranteed Withdrawal Amount
and/or Account Balance declines to zero.                                

You should carefully consider when to begin taking withdrawals if you have      
elected the Lifetime Withdrawal Guarantee Benefit. If you begin withdrawals too 
soon, your Total Guaranteed Withdrawal Amount and Remaining Guaranteed          
Withdrawal Amount are no longer increased by the 5% annual compounding          
increase. On the other hand, if you delay taking withdrawals for too long, you  
may limit the number of payments you receive while you are alive (due to life   
expectancy), while your beneficiaries, however, will receive the Remaining      
Guaranteed Withdrawal Amount over time.                                         

You have the option of receiving withdrawals under the Lifetime Withdrawal      
Guarantee Benefit or receiving payments under a pay-out option. You should      
consult with your registered representative when deciding how to receive income 
under this Contract. In making this decision, you should consider many factors, 
including the relative amount of current income provided by the two options,    
the potential ability to receive higher future payments through potential       
increases to the Total Guaranteed Withdrawal Amount and Remaining Guaranteed    
Withdrawal Amount, your potential need to make additional withdrawals in the    
future, and the relative values to you of the death benefits available prior to 
and after annuitization.                                                        

At any time during the pay-in phase, you can elect to annuitize under current   
annuity rates in lieu of continuing the Lifetime Withdrawal Guarantee Benefit.  
This may provide higher income amounts and/or different tax treatment than the  
payments received under the Lifetime Withdrawal Guarantee Benefit.              

EFFECT OF OUTSTANDING LOANS ON THE TOTAL GUARANTEED WITHDRAWAL AMOUNT AND       
REMAINING GUARANTEED WITHDRAWAL AMOUNT.  If there is an outstanding loan        
balance (including loans in default which we cannot offset or collect due to    
tax restrictions), any additional withdrawals will be treated as withdrawals in 
excess of the Annual Benefit Payment. In that event, the Total Guaranteed       
Withdrawal Amount will be reduced. The reduction will be equal to the           
difference between the Total Guaranteed Withdrawal Amount after the withdrawal  
and the Account Balance after the withdrawal. If the Account Balance after the  
withdrawal and minus any loan in default is higher than the Total Guaranteed    
Withdrawal Amount, no reduction will be made.                                   

In the event an outstanding loan balance is in default and we can withdraw the  
defaulted amount from your Account Balance, if the amount of the default does   
not exceed the Annual Benefit Payment, then the Total Guaranteed Withdrawal     
Amount will not be decreased. If the amount of the default exceeds the Annual   
Benefit Payment, the Total Guaranteed Withdrawal Amount will be reduced. The    
reduction will be equal to the difference between the Total Guaranteed          
Withdrawal Amount after the withdrawal and the Account Balance after the        
withdrawal. If the Account Balance after the withdrawal and minus any loan in   
default is higher than the Total Guaranteed Withdrawal Amount, no reduction     
will be made.                                                                   

Also, an additional reduction will be made to the Remaining Guaranteed          
Withdrawal Amount. This additional reduction will be equal to the difference    
between the Remaining Guaranteed Withdrawal Amount after the withdrawal and the 
Account Balance after the withdrawal. If the Account Balance after the          
withdrawal and minus any loan in default is higher than the Remaining           
Guaranteed Withdrawal Amount, no reduction will be made.                        

ANNUAL BENEFIT PAYMENT.  The initial Annual Benefit Payment is equal to the     
initial Total Guaranteed Withdrawal Amount multiplied by the 5% withdrawal      
rate. If the Total Guaranteed Withdrawal Amount is later recalculated (for      

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example, because of additional purchase payments, the 5% compounding amount,    
the Automatic Annual Step-Up, or withdrawals greater than the Annual Benefit    
Payment), the Annual Benefit Payment is reset equal to the new Total Guaranteed 
Withdrawal Amount multiplied by the 5% withdrawal rate.                         

It is important that you carefully manage your annual withdrawals. To ensure    
that you retain the full guarantees of this benefit, 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 a withdrawal from your Contract does result in   
annual withdrawals during a Contract Year exceeding the Annual Benefit Payment, 
the Total Guaranteed Withdrawal Amount will be recalculated and the Annual      
Benefit Payment will be reduced to the new Total Guaranteed Withdrawal Amount   
multiplied by the 5% withdrawal rate. IN ADDITION, AS NOTED ABOVE, IF A         
WITHDRAWAL RESULTS IN CUMULATIVE WITHDRAWALS FOR THE CURRENT CONTRACT YEAR      
EXCEEDING THE ANNUAL BENEFIT PAYMENT, 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 withdrawal that exceeded the Annual Benefit Payment did   
not cause your Account Balance to decline to zero. A CHARGE WILL CONTINUE TO BE 
DEDUCTED AND CALCULATED BASED UPON THE TOTAL GUARANTEED WITHDRAWAL AMOUNT UNTIL 
TERMINATION OF THE RIDER.                                                       

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, since your Annual Benefit Payment is 5% of your          
Remaining Guaranteed Withdrawal Amount, you cannot withdraw 3% in one year and  
then withdraw 7% the next year without exceeding your Annual Benefit Payment in 
the second year.                                                                

SYSTEMATIC WITHDRAWAL PROGRAM.  If available in your state, you may choose to   
take your Annual Benefit Payment under the Systematic Withdrawal Program,       
including the first Contract Year. If you do so, any withdrawal charges that    
would otherwise apply to such withdrawals will be waived. Your Systematic       
Withdrawal Program withdrawal amount will be adjusted on each Contract          
Anniversary for any changes in the Annual Benefit Payment as a result of        
Automatic Annual Step-Ups, additional purchase payments or transfers received   
during the Contract Year. Any withdrawals taken outside of the Systematic       
Withdrawal Program will cause the Systematic Withdrawal Program to terminate.   
If the commencement of the Systematic Withdrawal Program does not coincide with 
a Contract Anniversary, the initial Systematic Withdrawal Program period will   
be adjusted to end on a Contract Anniversary.                                   

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 Balance exceeds the Total Guaranteed Withdrawal Amount immediately      
before the Step-Up (and provided that you have not chosen to decline the        
Step-Up as described below).                                                    

The Automatic Annual Step-Up will:                                              

..   reset the Total Guaranteed Withdrawal Amount and the Remaining Guaranteed  
  Withdrawal Amount to the Account Balance on the date of the Step-Up, up to
a maximum of $5,000,000;                                                

..   reset the Annual Benefit Payment equal to 5% of the Total Guaranteed       
Withdrawal Amount after the Step-Up; and                                

..   reset the Lifetime Withdrawal Guarantee Benefit charge to the then current 
charge, up to a maximum of 0.95% for the same optional benefit.         

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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 Benefit   
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 writing at our Administrative Office 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 unless you  
notify us in writing at our Administrative Office 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. 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 Balance to approach $5,000,000  
because the Total Guaranteed Withdrawal Amount and Remaining Guaranteed         
Withdrawal Amount cannot exceed $5,000,000.                                     

REQUIRED MINIMUM DISTRIBUTIONS.  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.    
After the first Contract Year, we will increase your Annual Benefit Payment to  
equal your required minimum distribution amount for that year, if such amounts  
are greater than your Annual Benefit Payment. You must be enrolled in the       
automated required minimum distribution service to qualify for this increase in 
the Annual Benefit Payment. The frequency of your withdrawals must be annual.   
The automated required minimum distribution service is based on information     
relating to this Contract only. To enroll in the automated required minimum     
distribution service, please contact your Administrative Office.                

INVESTMENT ALLOCATION RESTRICTIONS.  If you elect the Lifetime Withdrawal       
Guarantee Benefit, you are limited to allocating your purchase payments and     
Account Balance among the Fixed Interest Account and the following investment   
divisions:                                                                      

1. MetLife Conservative Allocation Investment Division                          

2. MetLife Conservative to Moderate Allocation Investment Division              

3. MetLife Moderate Allocation Investment Division                              

4. MetLife Moderate to Aggressive Allocation Investment Division                

CANCELLATION.  You may elect to cancel the Lifetime Withdrawal Guarantee        
Benefit every fifth Contract Anniversary for the first fifteen Contract Years   
and annually thereafter. We must receive your cancellation request within 30    
days following the eligible Contract Anniversary in writing at our              
Administrative Office. The cancellation will take effect on the day we receive  
your request. If cancelled, the Lifetime Withdrawal Guarantee Benefit will      
terminate, we will no longer deduct the Lifetime Withdrawal Guarantee Benefit   
charge, and the allocation restrictions described above will no longer apply.   
The contract, however, will continue.                                           

TERMINATION.  The Lifetime Withdrawal Guarantee Benefit will terminate upon the 
earliest of:                                                                    

1. The date of a full withdrawal of the Account Balance (A pro rata portion of  
the annual charge will apply; 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 this optional benefit have been met);                       

2. The date the Account Balance is applied to a pay-out option (A pro-rata      
portion of the annual charge for this rider will apply);                  

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3. When your Account Balance is not sufficient to pay the charge for this       
benefit (whatever is available to pay the annual charge for the rider will
apply; you are still eligible to receive either the Remaining Guaranteed  
Withdrawal Amount or lifetime payments, provided the provisions and       
conditions of this optional benefit have been met);                       

4. The date a defaulted loan balance, once offset, causes the Account Balance   
to reduce to zero;                                                        

5. The Contract owner dies;                                                     

6. There is a change in contract owner, for any reason, unless we agree         
otherwise (A pro-rata portion of the annual charge for this rider will    
apply);                                                                   

7. The Deferred Annuity is terminated (A pro-rata portion of the annual charge  
for this rider will apply) or;                                            

8. Cancellation of this benefit.                                                

The Lifetime Withdrawal Guarantee Benefit may affect the death benefit          
available under your Contract. If the Owner should die while the Lifetime       
Withdrawal Guarantee Benefit is in effect, an additional death benefit amount   
will be calculated under the Lifetime Withdrawal Guarantee Benefit that can be  
taken in a lump sum. The Lifetime Withdrawal Guarantee Benefit death benefit    
amount that may be taken as a lump sum will be equal to total purchase payments 
less any partial withdrawals and any outstanding loan balance. 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. This death benefit will be paid instead of the  
applicable contractual death benefit (the basic death benefit, the additional   
death benefit amount calculated under the Lifetime Withdrawal Guarantee Benefit 
as described above, or the Annual Step-up Death Benefit, if that benefit had    
been purchased by the owner). 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. Federal income tax law generally requires   
that such payments be substantially equal and begin over a period no longer     
than the beneficiary's remaining life expectancy with payments beginning no     
later than the end of the calendar year immediately following the year of your  
death.                                                                          

We reserve the right to accelerate any payment that is less than $500 or to     
comply with requirements under the Internal Revenue Code (including minimum     
distribution requirement). If you terminate the Lifetime Withdrawal Guarantee   
Benefit because (1) you make a total withdrawal of your Account Balance;        
(2) your Account Balance is insufficient to pay the Lifetime Withdrawal         
Guarantee Benefit charge; or (3) the contract owner dies, you may not make      
additional purchase payments under the Contract.                                

The Lifetime Withdrawal Guarantee Benefit is available in Deferred Annuities    
for an additional charge of 0.95% of the Total Guaranteed Withdrawal Amount,    
deducted at the end of each Contract Year by withdrawing amounts on a pro-rata  
basis from your Fixed Interest Account Balance and Separate Account Balance,    
after applying any 5% Compounding Income Amount and prior to taking into        
account any Automatic Annual Step-Up occurring on the Contract Anniversary. We  
take amounts from the Separate Account by canceling accumulation units from     
your Separate Account balance. If an Automatic Annual Step-Up occurs under a    
Lifetime Withdrawal Guarantee Benefit, we may increase the Lifetime Withdrawal  
Guarantee Benefit charge to the then current charge for the same optional       
benefit, but no more than a maximum of 0.95%. If, at the time the Contract was  
issued, the current charge for the benefit was equal to the maximum charge,     
than the                                                                        

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charge for the benefit will not increase upon an Automatic Annual Step Up. If   
the Lifetime Withdrawal Guarantee Benefit is in effect, the charge will         
continue even if your Remaining Guaranteed Withdrawal Amount equals zero.       

EXAMPLES                                                                        

The purpose of these examples is to illustrate the operation of the Guaranteed  
Withdrawal 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 investment allocations and the investment experience of the           
investment divisions chosen. The examples do not reflect the deduction of fees  
and charges, withdrawal charges and applicable income taxes and penalties. For  
purposes of the examples, it is assumed that no loans have been taken.          

A. Lifetime Withdrawal Guarantee Benefit                                        

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 Balance 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 $5,000 ($100,000 x 5%).

Assume that $5,000 is withdrawn each year, beginning before the contract owner  
attains age 59 1/2. The Remaining Guaranteed Withdrawal Amount is reduced by    
$5,000 each year as withdrawals are taken (the Guaranteed Total Withdrawal      
Amount is not reduced by these withdrawals). The Annual Benefit Payment of      
$5,000 is guaranteed to be received until the Remaining Guaranteed Withdrawal   
Amount is depleted, even if the Account Balance is reduced to zero.             

If the first withdrawal is taken after age 59 1/2, then the Annual Benefit      
Payment of $5,000 is guaranteed to be received for the owner's lifetime, even   
if the Remaining Guaranteed Withdrawal Amount and the Account Balance are       
reduced to zero.                                                                

[CHART] 

       Annual Benefit     Cumulative           Account
          Payment         Withdrawals          Balance
         --------------     -----------        -----------
   1        $5,000           $ 5,000           $100,000.00
   2         5,000            10,000             90,250.00
   3         5,000            15,000             80,987.50
   4         5,000            20,000             72,188.13
   5         5,000            25,000             63,828.72
   6         5,000            30,000             55,887.28
   7         5,000            35,000             48,342.92
   8         5,000            40,000             41,175.77
   9         5,000            45,000             34,366.98
  10         5,000            50,000             27,898.63
  11         5,000            55,000             21,753.70
  12         5,000            60,000             15,916.02
  13         5,000            65,000             10,370.22
  14         5,000            70,000              5,101.71
  15         5,000            75,000                 96.62
  16         5,000            80,000                     0
  17         5,000            85,000                     0
  18         5,000            90,000            -13,466.53
  19         5,000            95,000                     0
  20         5,000           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 Balance 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 $5,000 ($100,000 X 5%).

Assume that the Remaining Guaranteed Withdrawal Amount is reduced to $95,000    
due to a withdrawal of $5,000 in the first year. Assume the Account Balance was 
further reduced to $75,000 at year two due to poor market performance. If you   
withdrew $10,000 at this time, your Account Balance would be reduced to $75,000 
- $10,000 = $65,000. Your Remaining Guaranteed Withdrawal Amount would be       
reduced to $95,000 - $10,000 = $85,000. Since the withdrawal of $10,000         
exceeded the Annual Benefit Payment of $5,000 and the resulting Remaining       
Guaranteed Withdrawal Amount would be greater than the resulting Account        
Balance, 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 Balance 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 5% X $65,000 = $3,250.                    

B. Lifetime Withdrawal Guarantee Benefit -- 5% Compounding 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    
$5,000 ($100,000 X 5%).                                                         

The Total Guaranteed Withdrawal Amount will increase by 5% of the previous      
year's Total Guaranteed Withdrawal Amount until the earlier of the first        
withdrawal or the 10th Contract Anniversary. The Annual Benefit Payment will be 
recalculated as 5% 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 $5,000 ($100,000 X 5%).           

If the first withdrawal is taken in the second Contract Year then the Total     
Guaranteed Withdrawal Amount would increase to $105,000 ($100,000 x 105%), and  
the Annual Benefit Payment would increase to $5,250 ($105,000 x 5%).            

If the first withdrawal is taken in the third Contract Year then the Total      
Guaranteed Withdrawal Amount would increase to $110,250 ($105,000 x 105%), and  
the Annual Benefit Payment would increase to $5,513 ($110,250 x 5%).            

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If the first withdrawal is taken after the 10th Contract Year then the Total    
Guaranteed Withdrawal Amount would increase to $162,890 (the initial $100,000,  
increased by 5% per year, compounded annually for 10 years), and the Annual     
Benefit Payment would increase to $8,144 ($162,890 x 5%).                       

[CHART] 

Delay taking withdrawals and receive higher guaranteed payments 

Year of First Withdrawal

1      2      3      4      5      6      7      8      9      10     11    
-----  -----  -----  -----  -----  -----  -----  -----  -----  -----  -----     
5,000  5,250  5,513  5,788  6,078  6,381  6,700  7,036  7,387  7,757  8,144     

C. Lifetime Withdrawal Guarantee Benefit -- Automatic Annual Step-Ups and 5%    
Compounding Amount (No Withdrawals or loans)                              

Assume that a contract had an initial purchase payment of $100,000. Assume that 
no withdrawals or loans are taken.                                              

At the first Contract Anniversary, provided that no withdrawals or loans are    
taken, the Total Guaranteed Withdrawal Amount is increased to $105,000          
($100,000 increased by 5%, compounded annually). Assume the Account Balance 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 $105,000 to $110,000 and reset the Annual Benefit        
Payment to $5,500 ($110,000 x 5%).                                              

At the second Contract Anniversary, provided that no withdrawals or loans are   
taken, the Total Guaranteed Withdrawal Amount is increased to $115,500          
($110,000 increased by 5%, compounded annually). Assume the Account Balance 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 $115,500 to $120,000 and reset the Annual Benefit        
Payment to $6,000 ($120,000 x 5%).                                              

Provided that no withdrawals or loans are taken, each year the Total Guaranteed 
Withdrawal Amount would increase by 5%, compounded annually, from the second    
Contract Anniversary through the ninth Contract Anniversary, and at that point  
would be equal to $168,852. Assume that during these contract years the Account 
Balance does not exceed the Total Guaranteed Withdrawal Amount due to poor      
market performance. Assume the Account Balance 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 $168,852 to $180,000 and reset the Annual Benefit Payment to $9,000        
($180,000 x 5%).                                                                

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At the 10th Contract Anniversary, provided that no withdrawals or loans are     
taken, the Total Guaranteed Withdrawal Amount is increased to $189,000          
($180,000 increased by 5%, compounded annually). Assume the Account Balance is  
less than $189,000. There is no Automatic Annual Step-Up since the Account      
Balance is below the Total Guaranteed Withdrawal Amount; however, due to the 5% 
increase in the Total Guaranteed Withdrawal Amount, the Annual Benefit Payment  
is increased to $9,450 ($189,000 x 5%).                                         

LIFETIME WITHDRAWAL GUARANTEE BENEFIT--AUTOMATIC ANNUAL STEP-UPS AND 5%         
COMPOUNDING AMOUNT (NO WITHDRAWALS OR LOANS)                                    

[CHART] 

PAY-OUT OPTIONS (OR INCOME OPTIONS)                                             

 You may convert your Deferred Annuity into a regular stream of income after
your "pay-in" or "accumulation" phase. The pay-out phase is often referred
to as either "annuitizing" your Contract or taking an income annuity. When you  
select your pay-out option, you will be able to choose from the range of        
options we then have available. You have the flexibility to select a stream of  
income to meet your needs. If you decide you want a pay-out option, we withdraw 
some or all of your Account Balance (less any premium taxes, applicable         
contract fees and any outstanding loans), then we apply the net amount to the   
option. See " Income Taxes" for a discussion of partial annuitizations. You are 
not required to hold your Deferred Annuity for any minimum time period before   
you may annuitize. However, you may not be older than 95 years old to select a  
pay-out option (90 in New York State). (These requirements may be changed by    
us.) Although guaranteed annuity rates for the e Bonus Class are the same as    
those for the e Class of the Deferred Annuity, current rates for the e Bonus    
Class may be lower than the e Class of the Deferred Annuity. You must convert   
at least $5,000 of your Account Balance to receive income payments. 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 MINIMUM INCOME BENEFIT OR LIFETIME WITHDRAWAL GUARANTEE BENEFIT,     
ANNUITIZING YOUR CONTRACT TERMINATES THE RIDER AND ANY DEATH BENEFIT PROVIDED   
BY THE RIDER.                                                                   

When considering a pay-out option, you should think about whether you want:     

..   Payments guaranteed by us for the rest of your life (or for the rest of two
lives) or the rest of your life (or for the rest of two lives) with a   
guaranteed period; and                                                  

..   A fixed dollar payment or a variable payment.                              

Your income option provides you with a regular stream of payments for either    
your lifetime or your lifetime with a guaranteed period.                        

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Your income payment amount will depend upon your choices. For lifetime options, 
the age of the measuring lives (annuitants) will also be considered. For        
example, if you select a pay-out option guaranteeing payments for your lifetime 
and your spouse's lifetime, your payments will typically be lower than if you   
select a pay-out option with payments over only your lifetime.                  

We do not guarantee that your variable payments will be a specific amount of    
money. You may choose to have a portion of the payment fixed and guaranteed     
under the Fixed Income Option.                                                  

INCOME PAYMENT TYPES                                                            

Currently, we provide you with a wide variety of income payment types to  
suit a range of personal preferences. You decide the income payment type  
when you decide to take a pay-out option. Your decision is irrevocable.         

There are three people who are involved in payments under your pay-out option:  

..   Contract Owner: the person or entity which has all rights including the    
right to direct who receives payment.                                   

..   Annuitant: the natural person whose life is the measure for determining the
duration and the dollar amount of payments.                             

..   Beneficiary: the person who receives continuing payments or a lump sum     
payment, if any, if the contract owner dies.                            

Many times the contract owner and the annuitant are the same person.            

When deciding how to receive income, consider:                                  

..   The amount of income you need;                                             

..   The amount you expect to receive from other sources;                       

..   The growth potential of other investments; and                             

..   How long you would like your income to be guaranteed.                      

The following income payment types are currently available. We may make         
available other income payment types if you so request and we agree. Where      
required by state law or under a qualified retirement plan, the annuitant's sex 
will not be taken into account in calculating income payments. Annuity rates    
will not be less than the rates guaranteed in the Contract at the time of       
purchase for the AIR and income payment type elected. Due to underwriting,      
administrative or Internal Revenue Code considerations the choice of the        
percentage reduction and/or the duration of the guarantee period may be limited.

Lifetime Income Annuity: A variable income that is paid as long as the          
annuitant is living.                                                            

Lifetime Income Annuity with a Guarantee Period: A variable income that         
continues as long as the annuitant is living but is guaranteed to be paid for a 
number of years. If the annuitant dies before all of the guaranteed payments    
have been made, payments are made to the contract owner of the annuity (or the  
beneficiary, if the contract owner dies during the guarantee period) until the  
end of the guarantee period. No payments are made once the guarantee period has 
expired and the annuitant is no longer living.                                  

Lifetime Income Annuity for Two: A variable income that is paid as long as      
either of the two annuitants is living. After one annuitant dies, payments      
continue to be made as long as the other annuitant is living. In that event,    
payments may be the same as those made while both annuitants were living or may 
be a smaller percentage that is selected when the annuity is first converted to 
an income stream. No payments are made once both annuitants are no longer       
living.                                                                         

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Lifetime Income Annuity for Two with a Guarantee Period: A variable income that 
continues as long as either of the two annuitants is living but is guaranteed   
to be paid (unreduced by any percentage selected) for a number of years. If     
both annuitants die before all of the guaranteed payments have been made,       
payments are made to the contract owner of the annuity (or the beneficiary, if  
the contract owner dies during the guarantee period) until the end of the       
guaranteed period. If one annuitant dies after the guarantee period has         
expired, payments continue to be made as long as the other annuitant is living. 
In that event, payments may be the same as those made while both annuitants     
were living or may be a smaller percentage that is selected when the annuity is 
first converted to an income stream. No payments are made once the guarantee    
period has expired and both annuitants are no longer living.                    

ALLOCATION                                                                      

  You decide how your money is allocated among the Fixed Income Option and the
investment divisions.                                                     

MINIMUM SIZE OF YOUR INCOME PAYMENT                                             

Your initial income payment must be at least $100. If you live in         
Massachusetts, the initial income payment must be at least $20. This means
that the amount used from a Deferred Annuity to provide a pay-out option must   
be large enough to produce this minimum initial income payment.                 

THE VALUE OF YOUR INCOME PAYMENTS                                               

AMOUNT OF INCOME PAYMENTS                                                       

Variable income payments from an investment division will depend upon the       
number of annuity units held in that investment division (described below) and  
the Annuity Unit Value (described later) as of the 10th day prior to a payment  
date.                                                                           

This initial variable income payment is computed based on the amount of the     
purchase payment applied to the specific investment division (net any           
applicable premium tax owed or Contract charge), the AIR, the age of the        
measuring lives and the income payment type selected. The initial payment       
amount is then divided by the Annuity Unit Value for the investment division to 
determine the number of annuity units held in that investment division. The     
number of annuity units held remains the same for the duration of the Contract  
if no reallocations are made.                                                   

The dollar amount of subsequent variable income payments will vary with the     
amount by which investment performance is greater or less than the AIR.         

Each Deferred Annuity provides that, when a pay-out option is chosen, the       
payment to the annuitant will not be less than the payment produced by the then 
current Fixed Income Option purchase rates for that contract class. The purpose 
of this provision is to assure the annuitant that, at retirement, if the Fixed  
Income Option purchase rates for new contracts are significantly more favorable 
than the rates guaranteed by a Deferred Annuity of the same class, the          
annuitant will be given the benefit of the higher rates. Although guaranteed    
annuity rates for the eBonus Class are the same as for the other classes of the 
Deferred Annuity, current rates for the eBonus Class may be lower than the      
other classes of the Deferred Annuity and may be less than currently issued     
single payment immediate annuity contract rates.                                

ANNUITY UNITS                                                                   

Annuity units are credited to you when you first convert your Deferred Annuity  
into an income stream or make a reallocation of your income payment into an     
investment division during the pay-out phase. Before we determine the number of 
annuity units to credit to you, we reduce your Account Balance by any premium   
taxes and the Annual Contract                                                   

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Fee, if applicable. (The premium taxes and the Annual Contract Fee are not      
applied against reallocations.) We then compute an initial income payment       
amount using the AIR, your income payment type and the age of the measuring     
lives. We then divide the initial income payment (allocated to an investment    
division) by the Annuity Unit Value on the date of the transaction. The result  
is the number of annuity units credited for that investment division. The       
initial variable income payment is a hypothetical payment which is calculated   
based on the AIR. This initial variable income payment is used to establish the 
number of annuity units. It is not the amount of your actual first variable     
income payment unless your first income payment happens to be within 10 days    
after the date you convert your Deferred Annuity into an income stream. When    
you reallocate an income payment from an investment division, annuity units     
supporting that portion of your income payment in that investment division are  
liquidated.                                                                     

AIR                                                                             

Your income payments are determined by using the AIR to benchmark the           
investment experience of the investment divisions you select. We currently      
offer an AIR of 3% or 4%. The higher your AIR, the higher your initial variable 
income payment will be. Your next variable income payment will increase         
approximately in proportion to the amount by which the investment experience    
(for the time period between the payments) for the underlying Portfolio minus   
the Standard Death Benefit Separate Account charge (the resulting number is the 
net investment return) exceeds the AIR (for the time period between the         
payments). Likewise, your next variable income payment will decrease to the     
approximate extent the investment experience (for the time period between the   
payments) for the underlying Portfolio minus the Standard Death Benefit         
Separate Account charge (the net investment return) is less than the AIR (for   
the time period between the payments). A lower AIR will result in a lower       
initial variable income payment, but subsequent variable income payments will   
increase more rapidly or decline more slowly than if you had elected a higher   
AIR as changes occur in the investment experience of the investment divisions.  

The amount of each variable income payment is determined 10 days prior to your  
income payment date. If your first income payment is scheduled to be paid less  
than 10 days after you convert your Deferred Annuity to an income stream, then  
the amount of that payment will be determined on the date you convert your      
Deferred Annuity to a pay-out option.                                           

VALUATION                                                                       

This is how we calculate the Annuity Unit Value for each investment division:   

..   First, we determine the change in investment experience (which reflects the
 deduction for any investment-related charge) for the underlying Portfolio
from the previous trading day to the current trading day;               

..   Next, we subtract the daily equivalent of the Standard Death Benefit       
Separate Account charge for each day since the last day the Annuity Unit
Value was calculated; the resulting number is the net investment return;

..   Then, we multiply by an adjustment based on your AIR for each day since the
last Annuity Unit Value was calculated; and                             

..   Finally, we multiply the previous Annuity Unit Value by this result.       

REALLOCATION PRIVILEGE                                                          

  During the pay-out phase of the Deferred Annuity, you may make reallocations
among investment divisions or from the investment divisions to the Fixed  
Income Option. Once you reallocate your income payment money into the Fixed     
Income Option, you may not later reallocate it into an investment division.     
There is no withdrawal charge to make a reallocation.                           

For us to process a reallocation, you must tell us:                             

..   The percentage of the income payment to be reallocated;                    

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..   The investment divisions (or Fixed Income Option) to which you want to     
reallocate your income payment; and                                     

..   The investment divisions from which you want to reallocate your income     
payment.                                                                

Reallocations will be made at the end of the business day, at the close of the  
Exchange, if received in good order prior to the close of the Exchange, on that 
business day. All other reallocation requests will be processed on the next     
business day.                                                                   

When you request a reallocation from an investment division to the Fixed Income 
Option, the payment amount will be adjusted at the time of reallocation. Your   
payment may either increase or decrease due to this adjustment. The adjusted    
payment will be calculated in the following manner.                             

..   First, we update the income payment amount to be reallocated from the      
investment division based upon the applicable Annuity Unit Value at the 
time of the reallocation;                                               

..   Second, we use the AIR to calculate an updated annuity purchase rate based 
upon your age, if applicable, and expected future income payments at the
time of the reallocation;                                               

..   Third, we calculate another updated annuity purchase rate using our current
annuity purchase rates for the Fixed Income Option on the date of your  
reallocation;                                                           

..   Finally, we determine the adjusted payment amount by multiplying the       
updated income amount determined in the first step by the ratio of the  
  annuity purchase rate determined in the second step divided by the annuity
purchase rate determined in the third step.                             

When you request a reallocation from one investment division to another,        
annuity units in one investment division are liquidated and annuity units in    
the other investment division are credited to you. There is no adjustment to    
the income payment amount. Future income payment amounts will be determined     
based on the Annuity Unit Value for the investment division to which you have   
reallocated.                                                                    

You generally may make a reallocation on any day the Exchange is open. At a     
future date we may limit the number of reallocations you may make, but never to 
fewer than one a month. If we do so, we will give you advance written notice.   
We may limit a beneficiary's ability to make a reallocation.                    

Here are examples of the effect of a reallocation on the income payment:        

..   Suppose you choose to reallocate 40% of your income payment supported by   
investment division A to the Fixed Income Option and the recalculated   
  income payment supported by investment division A is $100. Assume that the
 updated annuity purchase rate based on the AIR is $125, while the updated
annuity purchase rate based on fixed income annuity pricing is $100. In 
that case, your income payment from the Fixed Income Option will be     
   increased by $40 x ($125/$100) or $50, and your income payment supported by
investment division A will be decreased by $40. (The number of annuity  
units in investment division A will be decreased as well.)              

..   Suppose you choose to reallocate 40% of your income payment supported by   
  investment division A to investment division B and the recalculated income
payment supported by investment division A is $100. Then, your income   
payment supported by investment division B will be increased by $40 and 
   your income payment supported by investment division A will be decreased by
$40. (Changes will also be made to the number of annuity units in both  
investment divisions as well.)                                          

We may require that you use our original forms to make reallocations.           

Please see the "Transfer Privilege" section regarding our market timing         
policies and procedures.                                                        

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CHARGES                                                                         

You pay the Standard Death Benefit Separate Account charge for your   
Contract class during the pay-out phase of the Deferred Annuity. In   
addition, you pay the applicable investment-related charge during the 
pay-out phase of your Deferred Annuity. During the pay-out phase, we reserve    
the right to deduct the Annual Contract Fee. If we do so, it will be deducted   
pro-rata from each income payment. The Separate Account charges you pay will    
not reduce the number of annuity units credited to you. Instead, we deduct the  
charges as part of the calculation of the Annuity Unit Value.                   

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GENERAL INFORMATION                                                             

ADMINISTRATION                                                                  

All transactions will be processed in the manner described below.               

PURCHASE PAYMENTS                                                               

Purchase payments may be sent, by cashier's check or certified check made       
payable to "MetLife," to the Administrative Office, or MetLife sales office, if 
that office has been designated for this purpose. (We reserve the right to      
receive purchase payments by other means acceptable to us.) We do not accept    
cash, money orders or travelers checks. We will provide you with all necessary  
forms. We must have all documents in good order to credit your purchase         
payments. 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 delay in applying the purchase payment or transaction to your contract.      

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

Purchase payments (including any portion of your Account Balance under a        
Deferred Annuity which you apply to a pay-out option) are effective and valued  
as of the close of the Exchange on the day we receive them in good order at     
your Administrative Office, except when they are received:                      

..   On a day when the Accumulation Unit Value/Annuity Unit Value is not        
calculated, or                                                          

..   After the close of the Exchange.                                           

In those cases, the purchase payments will be effective the next day the        
Accumulation Unit Value or Annuity Unit Value, as applicable, is calculated.    

We reserve the right to credit your initial purchase payment to you within two  
days after its receipt at your Administrative Office or MetLife sales office,   
as applicable. However, if you fill out our forms incorrectly or incompletely   
or other documentation is not completed properly or otherwise not in good       
order, we have up to five business days to credit the payment. If the problem   
cannot be resolved by the fifth business day, we will notify you and give you   
the reasons for the delay. At that time, you will be asked whether you agree to 
let us keep your money until the problem is resolved. If you do not agree or we 
cannot reach you by the fifth business day, your money will be returned.        

Under the Deferred Annuities, your employer or the group in which you are a     
participant or member must identify you on its reports to us and tell us how    
your money should be allocated among the investment divisions and the Fixed     
Interest Account, if available.                                                 

CONFIRMING TRANSACTIONS                                                         

You will receive a written statement confirming that a transaction was recently 
completed. Certain transactions made on a periodic basis, such as Systematic    
Withdrawal Program payments, and automated investment strategy transfers, may   
be confirmed quarterly. Salary reduction or deduction purchase payments under   
the TSA and TSA ERISA Deferred Annuity are confirmed quarterly. Unless you      
inform us of any errors within 60 days of receipt, we will consider these       
communications to be accurate and complete.                                     

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PROCESSING TRANSACTIONS                                                         

We permit you to request transactions by mail and telephone. We make Internet   
access available to you. We may suspend or eliminate telephone or Internet      
privileges at any time, without prior notice. We reserve the right not to       
accept requests for transactions by facsimile.                                  

If mandated by applicable law, including, but not limited to, Federal           
anti-money laundering laws, we may be required to reject a purchase payment. We 
may also be required to block a contract owner's account and, consequently,     
refuse to implement requests for transfers, withdrawals, surrenders or death    
benefits, until instructions are received from the appropriate governmental     
authority.                                                                      

BY TELEPHONE OR INTERNET                                                        

You may initiate a variety of transactions and obtain information by telephone  
or the Internet virtually 24 hours a day, 7 days a week, unless prohibited by   
state law or your employer. Some of the information and transactions accessible 
to you include:                                                                 

..   Account Balance                                                            

..   Unit Values                                                                

..   Current rates for the Fixed Interest Account                               

..   Transfers                                                                  

..   Changes to investment strategies                                           

..   Changes in the allocation of future purchase payments.                     

Your transaction must be in good order and completed prior to the close of the  
Exchange on one of our business days if you want the transaction to be valued   
and effective on that day. Transactions will not be valued and effective on a   
day when the Accumulation or Annuity Unit Value is not calculated or after the  
close of the Exchange. We will value and make effective these transactions on   
our next business day.                                                          

We have put into place reasonable security procedures to insure that            
instructions communicated by telephone or Internet are genuine. For example,    
all telephone calls are recorded. Also, you will be asked to provide some       
personal data prior to giving your instructions over the telephone or through   
the Internet. When someone contacts us by telephone or Internet and follows our 
security procedures, we will assume that you are authorizing us to act upon     
those instructions. Neither the Separate Account nor MetLife will be liable for 
any loss, expense or cost arising out of any requests that we or the Separate   
Account reasonably believe to be authentic. In the unlikely event that you have 
trouble reaching us, requests should be made in writing to your Administrative  
Office.                                                                         

Response times for the telephone or Internet may vary due to a variety of       
factors, including volumes, market conditions and performance of the systems.   
We are not responsible or liable for:                                           

..   any inaccuracy, error, or delay in or omission of any information you      
transmit or deliver to us; or                                           

..   any loss or damage you may incur because of such inaccuracy, error, delay  
   or omission; non-performance; or any interruption of information beyond our
control.                                                                

AFTER YOUR DEATH                                                                

If we are presented in good order with notification of your death before any    
requested transaction is completed (including transactions under automated      
investment strategies, minimum distribution program and Systematic Withdrawal   
Program), we will cancel the request. As described above, the death benefit     
will be determined when we receive due proof                                    

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of death and an election for the payment method. If you are receiving income    
payments, we will cancel the request and continue making payments to your       
beneficiary if your income type so provides. Or, depending on the income type,  
we may continue making payments to a joint annuitant.                           

MISSTATEMENT                                                                    

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

Once income payments have begun, any underpayments will be made up in one sum   
with the next income payment in a manner agreed to by us. Any overpayments will 
be deducted first from future income payments. In certain states, we are        
required to pay interest on any under payments.                                 

THIRD PARTY REQUESTS                                                            

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

VALUATION -- SUSPENSION OF PAYMENTS                                             

We separately determine the Accumulation Unit Value and Annuity Unit Value, as  
applicable, for each investment division once each day when the Exchange is     
open for trading. If permitted by law, we may change the period between         
calculations but we will give you 30 days notice.                               

When you request a transaction, we will process the transaction using the next  
available Accumulation Unit Value or Annuity Unit Value. Subject to our         
procedure, we will make withdrawals and transfers/reallocations at a later      
date, if you request. If your withdrawal request is to elect a variable pay-out 
option under your Deferred Annuity, we base the number of annuity units you     
receive on the next available Annuity Unit Value.                               

We reserve the right to suspend or postpone payment for a withdrawal or         
transfer/reallocation when:                                                     

..   rules of the Securities and Exchange Commission so permit (trading on the  
Exchange is restricted, the Exchange is closed other than for customary 
 weekend or holiday closings or an emergency exists which makes pricing or
sale of securities not practicable); or                                 

..   during any other period when the Securities and Exchange Commission by     
order so permits.                                                       

ADVERTISING PERFORMANCE                                                         

    We periodically advertise the performance of the investment divisions. You
  may get performance information from a variety of sources including your
quarterly statements, your MetLife representative, the Internet, annual reports 
and semiannual reports. All performance numbers are based upon historical       
earnings. These numbers are not intended to indicate future results.            

We may state performance in terms of "yield," "change in Accumulation Unit      
Value/Annuity Unit Value," "average annual total return" or some combination of 
these terms.                                                                    

YIELD is the net income generated by an investment in a particular investment   
division for 30 days or a month. These figures are expressed as percentages.    
This percentage yield is compounded semiannually. For the money market          
investment division, we state yield for a seven day period.                     

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CHANGE IN ACCUMULATION/ANNUITY UNIT VALUE ("Non-Standard Performance") is       
calculated by determining the percentage change in the value of an accumulation 
(or annuity) unit for a certain period. These numbers may also be annualized.   
Change in Accumulation/Annuity Unit Value may be used to demonstrate            
performance for a hypothetical investment (such as $10,000) over a specified    
period. These performance numbers reflect the deduction of the Separate Account 
charges (with the Basic Death Benefit), the additional Separate Account charge  
for the American Funds Bond, American Funds Growth, American Funds              
Growth-Income and American Funds Global Small Capitalization investment         
divisions and the Annual Contract Fee; however, yield and change in             
Accumulation/Annuity Unit Value performance do not reflect the possible         
imposition of withdrawal charges, the charge for the Guaranteed Minimum Income  
Benefit and the charge for the Lifetime Withdrawal Guarantee Benefit.           
Withdrawal charges would reduce performance experience.                         

AVERAGE ANNUAL TOTAL RETURN ("Standard Performance") calculations reflect the   
Separate Account charge (with the Standard Death Benefit), the additional       
Separate Account charge for the American Funds Growth, American Funds           
Growth-Income, American Funds Bond and American Funds Global Small              
Capitalization investment divisions and the Annual Contract Fee and applicable  
withdrawal charges since the investment division inception date, which is the   
date the corresponding Portfolio or predecessor Portfolio was first offered     
under the Separate Account that funds the Deferred Annuity. These figures also  
assume a steady annual rate of return. They assume that combination of optional 
benefits (including the Annual Step Up Death Benefit) that would produce the    
greatest total Separate Account charge.                                         

Performance figures will vary among the various classes of the Deferred         
Annuities and the investment divisions as a result of different Separate        
Account charges and withdrawal charges.                                         

We may calculate performance for certain investment strategies including Equity 
Generator and each asset allocation model of the Index Selector. We calculate   
the performance as a percentage by presuming a certain dollar value at the      
beginning of a period and comparing this dollar value with the dollar value     
based on historical performance at the end of that period. We assume that the   
Separate Account charge reflects the Standard Death Benefit. The information    
does not assume the charge for the Guaranteed Minimum Income Benefit or         
Lifetime Withdrawal Guarantee Benefit. This percentage return assumes that      
there have been no withdrawals or other unrelated transactions.                 

For purposes of presentation of Non-Standard Performance, we may assume that    
the Deferred Annuities were in existence prior to the inception date of the     
investment divisions in the Separate Account that funds the Deferred Annuity.   
In these cases, we calculate performance based on the historical performance of 
the underlying Metropolitan Fund, Calvert Fund, Met Investors Fund and American 
Funds(R) Portfolios since the Portfolio inception date. We use the actual       
accumulation unit or annuity unit data after the inception date. Any            
performance data that includes all or a portion of the time between the         
Portfolio inception date and the investment division inception date is          
hypothetical. Hypothetical returns indicate what the performance data would     
have been if the Deferred Annuity had been introduced as of the Portfolio       
inception date.                                                                 

We may also present average annual total return calculations which reflect all  
Separate Account charges and applicable withdrawal charges since the Portfolio  
inception date. We use the actual accumulation unit or annuity unit data after  
the inception date. Any performance data that includes all or a portion of the  
time between the Portfolio inception date and the investment division inception 
date is hypothetical. Hypothetical returns indicate what the performance data   
would have been if the Deferred Annuity had been introduced as of the Portfolio 
inception date.                                                                 

Past performance is no guarantee of future results.                             

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

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

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

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

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

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

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

CHANGES TO YOUR DEFERRED ANNUITY                                                

 We have the right to make certain changes to your Deferred Annuity, but
 only as permitted by law. We make changes when we think they would best
serve the interest of annuity owners or would be appropriate in carrying out    
the purposes of the Deferred Annuity. If the law requires, we will also get     
your approval and the approval of any appropriate regulatory authorities.       
Examples of the changes we may make include:                                    

..   To operate the Separate Account in any form permitted by law.              

..   To take any action necessary to comply with or obtain and continue any     
 exemptions under the law (including favorable treatment under the Federal
income tax laws, including limiting the number, frequency or types of   
transfers/reallocations permitted).                                     

..   To transfer any assets in an investment division to another investment     
 division, or to one or more separate accounts, or to our general account,
  or to add, combine or remove investment divisions in the Separate Account.

..   To substitute for the Portfolio shares in any investment division, the     
   shares of another class of the Metropolitan Fund, the Calvert Fund, the Met
Investors Fund or the shares of another investment company or any other 
investment permitted by law.                                            

..   To make any necessary technical changes in the Deferred Annuities in order 
to conform with any of the above-described actions.                     

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If any changes result in a material change in the underlying investments of an  
investment division in which you have a balance or an allocation, we will       
notify you of the change. You may then make a new choice of investment          
divisions. For Deferred Annuities issued in Pennsylvania, we will ask your      
approval before making any technical changes.                                   

VOTING RIGHTS                                                                   

  Based on our current view of applicable law, you have voting interests under
your Deferred Annuity concerning Metropolitan Fund, Calvert Fund, Met     
Investors Fund or American Funds(R) proposals that are subject to a shareholder 
vote. Therefore, you are entitled to give us instructions for the number of     
shares which are deemed attributable to your Deferred Annuity.                  

We will vote the shares of each of the underlying Portfolios held by the        
Separate Account based on instructions we receive from those having a voting    
interest in the corresponding investment divisions. However, if the law or the  
interpretation of the law changes, we may decide to exercise the right to vote  
the Portfolio's shares based on our own judgment.                               

You are entitled to give instructions regarding the votes attributable to your  
Deferred Annuity in your sole discretion.                                       

There are certain circumstances under which we may disregard voting             
instructions. However, in this event, a summary of our action and the reasons   
for such action will appear in the next semiannual report. If we do not receive 
your voting instructions, we will vote your interest in the same proportion as  
represented by the votes we receive from other investors. The effect of this    
proportional voting is that a small number of contract owners may control the   
outcome of a vote. Shares of the Metropolitan Fund, the Calvert Fund, the Met   
Investors Fund or the American Funds(R) that are owned by our general account   
or by any of our unregistered separate accounts will be voted in the same       
proportion as the aggregate of:                                                 

..   The shares for which voting instructions are received, and                 

..   The shares that are voted in proportion to such voting instructions.       

However, if the law or the interpretation of the law changes, we may decide to  
exercise the right to vote the Portfolio's shares based on our judgment.        

WHO SELLS THE DEFERRED ANNUITIES                                                

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

MLIDC's principal executive offices are located at 5 Park Plaza, Suite 1900,    
Irvine, California 92614. MLIDC is registered as a broker-dealer with the       
Securities and Exchange Commission ("SEC") under the Securities Exchange Act of 
1934, as well as the securities commissions in the states in which it operates, 
and is a member of the Financial Industry Regulatory Authority ("FINRA"). FINRA 
provides background information about broker-dealers and their registered       
representatives through FINRA BrokerCheck. You may contact the FINRA            
BrokerCheck Hotline at 1-800-289-9999, or log on to www.finra.org. An investor  
brochure that includes information describing FINRA BrokerCheck is available    
through the Hotline or on-line.                                                 

Deferred Annuities are sold through our licensed sales representatives who are  
associated with MetLife Securities, Inc. ("MSI"), our affiliate and a           
broker-dealer, which is paid compensation for the promotion and sale of the     
Deferred Annuities. Previously, Metropolitan Life Insurance Company was the     
broker-dealer through which MetLife sales representatives sold the Deferred     
Annuities. The Deferred Annuities are also sold through the registered          
representatives                                                                 

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of our other affiliated broker-dealers. MSI and our affiliated broker-dealers   
are registered with the SEC as broker-dealers under the Securities Exchange Act 
of 1934 and are also members of FINRA. The Deferred Annuities may also be sold  
through other registered broker-dealers. Deferred Annuities may also be sold    
through the mail and over the Internet.                                         

There is no front-end sales load deducted from purchase payments to pay sales   
commissions. Distribution costs are recovered through the Separate Account      
charge. Our sales representatives in our MetLife Resources division must meet a 
minimum level of sales production in order to maintain employment with us.      
MetLife sales representatives who are not in our MetLife Resources division     
("non-MetLife Resources MetLife sales representatives") must meet a minimum     
level of sales of proprietary products in order to maintain employment with us. 

Non-MetLife Resources MetLife sales representatives and MetLife Resources sales 
representatives receive cash payments for the products they sell and service    
based upon a 'gross dealer concession' model. With respect to the Deferred      
Annuities, the gross dealer concession ranges from 0.75% to 9% (depending on    
the class purchased) of each purchase payment each year the Contract is in      
force and, starting in the second Contract Year, ranges from 0.25% to 1.00%     
(depending on the class purchased) of the Account Balance each year that the    
Contract is in force for servicing the Deferred Annuity. Gross dealer           
concession may also be paid when the Contract is annuitized. The amount of this 
gross dealer concession payable upon annuitization depends on several factors,  
including the number of years the Deferred Annuity has been in force.           
Compensation to the sales representative is all or part of the gross dealer     
concession. Compensation to sales representatives in the MetLife Resources      
division is based upon premiums and purchase payments applied to all products   
sold and serviced by the representative. Compensation to non-MetLife Resources  
MetLife sales representatives is determined based upon a formula that           
recognizes premiums and purchase payments applied to proprietary products sold  
and serviced by the representative as well as certain premiums and purchase     
payments applied to non-proprietary products sold by the representative.        
Proprietary products are those issued by us or our affiliates. Because one of   
the factors determining the percentage of gross dealer concession that applies  
to a non-MetLife Resources MetLife sales representative's compensation is sales 
of proprietary products, these sales representatives have an incentive to favor 
the sale of proprietary products. Because non-MetLife Resources MetLife sales   
managers' compensation is based upon the sales made by the representatives they 
supervise, these sales managers also have an incentive to favor the sale of     
proprietary products.                                                           

Non-MetLife Resources MetLife sales representatives and MetLife Resources sales 
representatives and their managers and the sales representatives and managers   
of our affiliates may be eligible for additional cash compensation, such as     
bonuses, equity awards (such as stock options), training allowances,            
supplemental salary, financial arrangements, marketing support, medical and     
other insurance benefits, and retirement benefits and other benefits based      
primarily on the amount of proprietary products sold. Because additional cash   
compensation paid to non-MetLife Resources MetLife sales representatives and    
MetLife Resources sales representatives and their managers and the sales        
representatives and their managers of our affiliates is based primarily on the  
sale of proprietary products, non-MetLife Resources MetLife sales               
representatives and MetLife Resources sales representatives and their managers  
and the sales representatives and their managers of our affiliates have an      
incentive to favor the sale of proprietary products.                            

Sales representatives who meet certain productivity, persistency, and length of 
service standards and/or their managers may be eligible for additional cash     
compensation. Moreover, managers may be eligible for additional cash            
compensation based on the sales production of the sales representatives that    
the manager supervises.                                                         

Our sales representatives and their managers may be eligible for non-cash       
compensation incentives, such as conferences, trips, prizes and awards. Other   
non-cash compensation payments may be made for other services that are not      
directly related to the sale of products. These payments may include support    
services in the form of recruitment and training of personnel, production of    
promotional services and other support services.                                

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Other incentives and additional cash compensation provide sales representatives 
and their managers with an incentive to favor the sale of proprietary products. 
The business unit responsible for the operation of our distribution system is   
also paid.                                                                      

MLIDC also pays compensation for the sale of the Deferred Annuities by          
affiliated broker-dealers. The compensation paid to affiliated broker-dealers   
for sales of the Deferred Annuities is generally not expected to exceed, on a   
present value basis, the aggregate amount of total compensation that is paid    
with respect to sales made through MetLife representatives. (The total          
compensation includes payments that we make to our business unit that is        
responsible for the operation of the distribution systems through which the     
Deferred Annuities are sold.) These firms pay their sales representatives all   
or a portion of the commissions received for their sales of Deferred Annuities; 
some firms may retain a portion of commissions. The amount that selling firms   
pass on to their sales representatives is determined in accordance with their   
internal compensation programs. Those programs may also include other types of  
cash and non-cash compensation and other benefits. Sales representatives of     
affiliated broker-dealers and their managers may be eligible for various cash   
benefits and non-cash compensation (as described above) that we may provide     
jointly with affiliated broker-dealers. Because of the receipt of this cash and 
non-cash compensation, sales representatives and their managers of our          
affiliated broker-dealers have an incentive to favor the sale of proprietary    
products.                                                                       

MLIDC may also enter into preferred distribution arrangements with certain      
affiliated broker-dealer firms such as New England Securities Corporation,      
Walnut Street Securities, Inc. and Tower Square Securities, Inc. These          
arrangements are sometimes called "shelf space" arrangements. Under these       
arrangements, MLIDC may pay separate, additional compensation to the            
broker-dealer firm for services the broker-dealer firm provides in connection   
with the distribution of the Contracts. These services may include providing us 
with access to the distribution network of the broker-dealer firm, the hiring   
and training of the broker-dealer firm's sales personnel, the sponsoring of     
conferences and seminars by the broker-dealer firm, or general marketing        
services performed by the broker-dealer firm. The broker-dealer firm may also   
provide other services or incur other costs in connection with distributing the 
Contracts.                                                                      

MLIDC also pays compensation for the sale of Contracts by unaffiliated          
broker-dealers. The compensation paid to unaffiliated broker-dealers for sales  
of the Deferred Annuities is generally not expected to exceed, on a present     
value basis, the aggregate amount of total compensation that is paid with       
respect to sales made through MetLife representatives. (The total compensation  
includes payments that we make to our business unit that is responsible for the 
operation of the distribution systems through which the Deferred annuities are  
sold.) Broker-dealers pay their sales representatives all or a portion of the   
commissions received for their sales of the Contracts. Some firms may retain a  
portion of commissions. The amount that the broker-dealer passes on to its      
sales representatives is determined in accordance with its internal             
compensation programs. Those programs may also include other types of cash and  
non-cash compensation and other benefits. We and our affiliates may also        
provide sales support in the form of training, sponsoring conferences,          
defraying expenses at vendor meetings, providing promotional literature and     
similar services. An unaffiliated broker-dealer or sales representative of an   
unaffiliated broker-dealer may receive different compensation for selling one   
product over another and/or may be inclined to favor one product provider over  
another product provider due to differing compensation rates. Ask your sales    
representative further information about what your sales representative and the 
broker-dealer for which he or she works may receive in connection with your     
purchase of a Contract.                                                         

We or our affiliates pay American Funds Distributors, Inc., the principal       
underwriter for the American Funds(R), a percentage of all purchase payments    
allocated to the American Funds Growth Portfolio, the American Funds            
Growth-Income Portfolio, American Funds Bond Portfolio and the American Funds   
Global Small Capitalization Portfolio for the services it provides in marketing 
the Portfolios' shares in connection with the Deferred Annuity.                 

From time to time , MetLife pays organizations, associations and non-profit     
organizations fees to sponsor MetLife's variable annuity contracts. We may also 
obtain access to an organization's members to market our variable               

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

FINANCIAL STATEMENTS                                                            

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

YOUR SPOUSE'S RIGHTS                                                            

If you received your Contract through a qualified retirement plan and your plan 
is subject to ERISA (the Employee Retirement Income Security Act of 1974) and   
you are married, the income payments, withdrawal and loan provisions, and       
methods of payment of the death benefit under your Deferred Annuity may be      
subject to your spouse's rights.                                                

If your benefit is worth $5,000 or less, your plan may provide for distribution 
of your entire interest in a lump sum without your spouse's consent.            

For details or advice on how the law applies to your circumstances, consult     
your tax advisor or attorney.                                                   

WHEN WE CAN CANCEL YOUR DEFERRED ANNUITY                                        

We may cancel your Deferred Annuity only if we do not receive any purchase      
payments from you for 24 consecutive months (36 consecutive months in New York  
State) and your Account Balance is less than $2,000. Accordingly, no Deferred   
Annuity will be terminated due solely to negative investment performance. We    
will only do so to the extent allowed by law. If we do so, we will return the   
full Account Balance, less any outstanding loans. Federal tax law may impose    
additional restrictions on our right to cancel your SEP and SIMPLE IRA Deferred 
Annuity.                                                                        

The tax law may also restrict payment of surrender proceeds to participants     
under certain employer retirement plans prior to reaching certain permissible   
triggering events.                                                              

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INCOME TAXES                                                                    

The following information on taxes is a general discussion of the subject.
It is not intended as tax advice. The Internal Revenue Code (Code) is     
complex and subject to change regularly. Failure to comply with the tax law may 
result in significant adverse tax consequences and tax penalties. Consult your  
own tax adviser about your circumstances, any recent tax developments, and the  
impact of state income taxation. For purposes of this section, we address       
Deferred Annuities and income payments under the Deferred Annuities together.   

You should read the general provisions and any sections relating to your type   
of annuity to familiarize yourself with some of the tax rules for your          
particular Contract.                                                            

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

Where otherwise permitted under the Deferred Annuity, the transfer of ownership 
of a Deferred Annuity, the designation or change in designation of an           
annuitant, payee or other beneficiary who is not also a contract owner, the     
selection of certain maturity dates, the exchange of a Deferred Annuity, or the 
receipt of a Deferred Annuity in an exchange, may result in income tax and      
other tax consequences, including additional withholding, estate tax, gift tax  
and generation skipping transfer tax, that are not discussed in this            
Prospectus. The SAI may contain additional information. Please consult your tax 
adviser.                                                                        

PUERTO RICO TAX CONSIDERATIONS                                                  

The amount of income on annuity distributions (payable over your lifetime) is   
calculated differently under the Puerto Rico Internal Revenue Code of 2011 (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 Internal Revenue Service    
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.                                                       

ANNUITY PURCHASES BY NONRESIDENT ALIENS AND FOREIGN CORPORATIONS                

  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 purchasing an annuity contract.      

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

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

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GENERAL                                                                         

Deferred annuities are a means of setting aside money for future needs- 
   usually retirement. Congress recognizes how important saving for retirement
is and has provided special rules in the Code.                                  

All TSAs (ERISA and non-ERISA), 457(b), 403(a) and IRAs (including SEPs and     
SIMPLEs) receive tax deferral under the Code. Although there are no additional  
tax benefits by funding such retirement arrangements with an annuity, doing so  
offers you additional insurance benefits such as the availability of a          
guaranteed income for life.                                                     

Under current federal income tax law, the taxable portion of distributions and  
withdrawals from variable annuity contracts (including TSAs, 457(b), 403(a) and 
IRAs) are subject to ordinary income tax and are not eligible for the lower tax 
rates that apply to long term capital gains and qualifying dividends.           

WITHDRAWALS                                                                     

When money is withdrawn from your Contract (whether by you or your              
beneficiary), the amount treated as taxable income and taxed as ordinary income 
differs depending on the type of annuity you purchase (e.g., IRA or TSA) and    
payment method or income payment type you elect. If you meet certain            
requirements, your designated Roth earnings are free from Federal income taxes. 

We will withhold a portion of the amount of your withdrawal for income taxes,   
unless you are eligible to and elect otherwise. The amount we withhold is       
determined by the Code.                                                         

WITHDRAWALS BEFORE AGE 59 1/2                                                   

Because these products are intended for retirement, if you make a taxable       
withdrawal before age 59 1/2 you may incur a 10% tax penalty, in addition to    
ordinary income taxes. Also, please see the section below titled Separate       
Account Charges for further information regarding withdrawals.                  

As indicated in the chart below, some taxable distributions prior to age 59 1/2 
are exempt from the penalty. Some of these exceptions include amounts received: 

                                                        [Enlarge/Download Table]

                                                                                                  Type of Contract          
                                                                                         ---------------------------------- 
                                                                                         TSA and                            
                                                                                           TSA   SIMPLE                     
                                                                                          ERISA  IRA/1/ SEP 457(b)/3/ 403(a)
                                                                                         ------- ------ --- --------  ------
                                                                                                                            

In a series of substantially equal payments made annually (or more frequently) for life                                     
or life expectancy (SEPP)                                                                 x/2/     x     x    x/2/     x/2/ 

After you die                                                                                x     x     x       x        x 

After you become totally disabled (as defined in the Code)                                   x     x     x       x        x 

To pay deductible medical expenses                                                           x     x     x       x        x 

After separation from service if you are over 55 at time of separation/2/                    x                   x        x 

After December 31, 1999 for IRS levies                                                       x     x     x       x        x 

To pay medical insurance premiums if you are unemployed                                            x     x                  

For qualified higher education expenses                                                            x     x                  

For qualified first time home purchases up to $10,000                                              x     x                  

Pursuant to qualified domestic relations orders                                              x                   x        x 

/1/  For SIMPLE IRAs the 10% tax penalty for early withdrawals is generally 
 increased to 25% for withdrawals within the first two years of your
participation in the SIMPLE IRA.                                  

/2/  You must be separated from service at the time payments begin.         

/3/  Distributions from 457(b) plans are generally not subject to the 10%   
    penalty; however, the 10% penalty does apply to distributions from the
    457(b) plans of state or local government employers to the extent that
     the distribution is attributable to rollovers accepted from other types
of eligible retirement plans.                                     

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SYSTEMATIC WITHDRAWAL PROGRAM FOR SUBSTANTIALLY EQUAL PERIODIC PAYMENTS (SEPP)  
AND INCOME OPTIONS                                                              

If you are considering using the Systematic Withdrawal Program or selecting an  
income option for the purpose of meeting the SEPP exception to the 10% tax      
penalty, consult with your tax adviser. It is not clear whether certain         
withdrawals or income payments under a variable annuity will satisfy the SEPP   
exception.                                                                      

If you receive systematic payments that you intend to qualify for the SEPP      
exception, any modifications (except due to death or disability) to your        
payment before age 59 1/2 or within five years after beginning SEPP payments,   
whichever is later, will result in the retroactive imposition of the 10%        
penalty with interest. Such modifications may include additional purchase       
payments or withdrawals (including tax-free transfers or rollovers of income    
payments) from the Deferred Annuity.                                            

SEPARATE ACCOUNT CHARGES                                                        

It is conceivable that the charges for certain benefits such as any of the      
guaranteed death benefits (Annual Step Up Death Benefit) and certain living     
benefits (e.g. the Guaranteed Minimum Income Benefit) could be considered to be 
taxable each year as deemed distributions from the Contract to pay for          
non-annuity benefits. We currently treat these charges as an intrinsic part of  
the annuity contract and do not tax report these as taxable income. However, it 
is possible that this may change in the future if we determine that this is     
required by the IRS. If so, the charge could also be subject to a 10% penalty   
tax if the taxpayer is under age 59 1/2.                                        

INCIDENTAL BENEFITS                                                             

Certain death benefits may be considered incidental benefits under a tax        
qualified plan, which are limited under the Code. Failure to satisfy these      
limitations may have adverse tax consequences to the plan and to the            
participant.                                                                    

Where otherwise permitted to be offered under annuity contracts issued in       
connection with qualified plans, the amount of life insurance is limited under  
the incidental death benefit rules. You should consult your own tax advisor     
prior to purchase of the Contract under any type of IRA, 403(b) arrangement or  
qualified plan as a violation of these requirements could result in adverse tax 
consequences to the plan and to the participant including current taxation of   
amounts under the Contract.                                                     

GUARANTEED WITHDRAWAL BENEFITS                                                  

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

In the event that the Account Balance 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 31st must be taken into account  
in addition to the Account Balance of the Contract.                             

PURCHASE PAYMENTS                                                               

Generally, all purchase payments will be contributed on a "before-tax" basis.   
This means that the purchase payments entitle you to a tax deduction or are not 
subject to current income tax.                                                  

Under some circumstances "after-tax" purchase payments can be made to certain   
annuities. These purchase payments do not reduce your taxable income or give    
you a tax deduction.                                                            

There are different annual purchase payments limits for the annuities offered   
in this Prospectus. Purchase payments in excess of the limits may result in     
adverse tax consequences.                                                       

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Your Contract may accept certain direct transfers and rollovers from other      
qualified plan accounts and contracts; such transfers and rollovers are         
generally not subject to annual limitations on purchase payments.               

WITHDRAWALS, TRANSFERS AND INCOME PAYMENTS                                      

Because your purchase payments are generally 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 and income payments attributable  
to any after-tax contributions are not subject to income tax (except for the    
portion of the withdrawal or payment allocable to earnings).                    

If certain requirements are met, you may be able to transfer amounts in 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.                                                      

Your Deferred Annuity is not forfeitable (e.g., not subject to claims of your   
creditors) and you may not transfer it to someone else. For certain qualified   
employer plans, an important exception is that your account may be transferred  
pursuant to a qualified domestic relations order (QDRO).                        

Please consult the specific section for the type of annuity you purchased to    
determine if there are restrictions on withdrawals, transfers or income         
payments.                                                                       

Minimum distribution requirements also apply to the Deferred Annuities. These   
are described separately later in this section.                                 

Certain mandatory distributions made to participants in an amount in excess of  
$1,000 (but less than $5,000) must be automatically rolled over to an IRA       
designated by the plan, unless the participant elects to receive it in cash or  
roll it over to a different IRA or eligible retirement plan.                    

ELIGIBLE ROLLOVER DISTRIBUTIONS AND 20% MANDATORY WITHHOLDING                   

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. We are not required to withhold this     
money if you direct us, the trustee or the custodian of the plan, to directly   
rollover your eligible rollover distribution to a traditional IRA or another    
eligible retirement plan.                                                       

Generally, an "eligible rollover distribution" is any taxable amount you        
receive from your Contract. (In certain cases, after-tax amounts may also be    
considered eligible rollover distributions). However, it does not include       
taxable distributions such as:                                                  

..   Withdrawals made to satisfy minimum distribution requirements; or          

..   Certain withdrawals on account of financial hardship.                      

Other exceptions to the definition of eligible rollover distribution may exist. 

For taxable withdrawals that are not "eligible rollover distributions", the     
Code requires different withholding rules. The withholding amounts are          
determined at the time of payment. In certain instances, you may elect out of   
these withholding requirements. You may be subject to the 10% penalty tax if    
you withdraw taxable money before you turn age 59 1/2.                          

MINIMUM DISTRIBUTION REQUIREMENTS                                               

Generally, you must begin receiving retirement plan withdrawals by April 1 of   
the latter of:                                                                  

..   the calendar year following the year in which you reach age 70 1/2 or      

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..   the calendar year following the calendar year you retire provided you do   
not own 5% or more of your employer.                                    

For IRAs (including SEPs and SIMPLE IRAs), you must begin receiving withdrawals 
by April 1 of the calendar year following the calendar year in which you reach  
age 70 1/2 even if you have not retired.                                        

For after-death required minimum distributions ("RMD"), the five year rule is   
applied without regard to calendar year 2009 due to the 2009 RMD waiver. For    
instance, for a Contract owner who died in 2007, the five year period would end 
in 2013 instead of 2012. The RMD rules are complex, so consult with your tax    
advisor because the application of these rules to your particular circumstances 
may have been impaired by the 2009 RMD waiver.                                  

In general the amount of required minimum distribution (including death benefit 
distributions discussed below) must be calculated separately with respect to    
each 403(b) arrangement, but then the aggregate amount of the required          
distribution may be taken under the tax law from any one or more of the         
participant's several 403(b) arrangements.                                      

Otherwise, you may not satisfy minimum distributions for an employer's          
qualified plan (ie, 401(a)/403(a), 457(b)) with distributions from another      
qualified plan of the same or a different employer.                             

Complex rules apply to the calculation of these withdrawals. A tax penalty of   
50% applies to withdrawals which should have been taken but were not. It is not 
clear whether income payments under a variable annuity will satisfy these       
rules. Consult your tax adviser prior to choosing a pay-out option.             

In general, the amount of required minimum distribution (including death        
benefit distributions discussed below) must be calculated separately with       
respect to each IRA or SEP IRA and each SIMPLE IRA, but then the aggregate      
amount of the required distribution may be generally taken under the tax law    
for the IRAs/SEP IRAs from any one or more of the taxpayer's IRAs/SEP IRAs. For 
SIMPLE IRAs, the aggregate amount of the required distribution may be taken     
from any one or more of the taxpayer's SIMPLE IRAs.                             

Otherwise, you may not satisfy minimum distributions for one type of qualified  
plan or IRA with distributions from an account or annuity contract under        
another type of IRA or qualified plan (e.g. IRA and 403(b)).                    

In general, Income Tax regulations permit income payments to increase based not 
only with respect to the investment experience of the underlying funds but also 
with respect to actuarial gains. Additionally, these regulations permit         
payments under income annuities to increase due to a full withdrawal or to a    
partial withdrawal under certain circumstances.                                 

Where made available, it is not clear whether the purchase or exercise of a     
withdrawal option after the first two years under a life contingent Income      
Annuity with a guarantee period where only the remaining guaranteed payments    
are reduced due to the withdrawal will satisfy minimum distribution             
requirements. Consult your tax advisor prior to purchase.                       

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

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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. Consult your tax advisor.                                       

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).                                                       

Generally, if you die before required minimum distribution withdrawals have     
begun, we must make payment of your entire interest by December 31st of the     
year that is the fifth anniversary of your death or begin making payments over  
a period and in a manner allowed by the Code to your beneficiary by             
December 31st of the year after your death. Consult your tax advisor because    
the application of these rules to your particular circumstances may have been   
impacted by the 2009 RMD waiver (see Minimum Distribution Requirements section  
for additional information).                                                    

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. Alternatively, if your spouse is your sole       
beneficiary and the Contract is an IRA, he or she may elect to rollover the     
death proceeds into his or her own IRA (or, if you meet certain requirements, a 
Roth IRA and pay tax on the taxable portion of the death proceeds in the year   
of the rollover) and treat the IRA (or Roth IRA) as his or her own.             

If your spouse is your beneficiary, your spouse may also be able to rollover    
the death proceeds into another eligible retirement plan in which he or she     
participates, if permitted under the receiving plan.                            

Under federal tax rules, a same-sex spouse is treated as a non-spouse           
beneficiary.                                                                    

If your spouse is not your beneficiary and your contract permits, your          
beneficiary may also be able to rollover the death proceeds via a direct        
trustee-to-trustee transfer into an inherited IRA. However, such beneficiary    
may not treat the inherited IRA as his or her own IRA. Certain employer plans   
(i.e., 401(a), 403(a), 403(b), and governmental 457 plans) are required to      
permit a non-spouse direct trustee-to-trustee rollover.                         

If you die after required minimum distributions begin, payments of your entire  
balance must be made in a manner and over a period as provided under the Code   
(and any applicable regulations).                                               

If an IRA contract is issued in your name after your death for the benefit of   
your designated beneficiary with a purchase payment which is directly           
transferred to the Contract from another IRA or eligible retirement plan, the   
death benefit must continue to be distributed to your beneficiary's beneficiary 
in a manner at least as rapidly as the method of distribution in effect at the  
time of your beneficiary's death.                                               

TAX-SHELTERED ANNUITIES (ERISA AND NON-ERISA)                                   

GENERAL                                                                         

Tax-sheltered annuities fall under Section 403(b) of the Code ("403(b)          
arrangements"), which provides certain tax benefits to eligible employees of    
public school systems and organizations that are tax exempt under Section       
501(c)(3) of the Code. In general, contributions to Section 403(b) arrangements 
are subject to contribution limitations under Section 415(c) of the Code (the   
lesser of 100% of includable compensation or the applicable limit for the year).

On July 26, 2007, final 403(b) regulations were issued by the U. S. Treasury    
which impact how we administer your 403(b) contract. In order to satisfy the    
403(b) final regulations and prevent your contract from being subject to adverse

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tax consequences including potential penalties, contract exchanges after        
September 24, 2007 must, at a minimum, meet the following requirements: (1) the 
plan must allow the exchange, (2) the exchange must not result in a reduction   
in the participant or 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) the employer enters into 
an agreement with the issuer of the receiving contract 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 AND INCOME PAYMENTS                                                 

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

..   Relates to purchase payments made prior to 1989 (and pre-1989 earnings on  
those purchase payments).                                               

..   Is directly transferred to another permissible investment under Section    
403(b) arrangements;                                                    

..   Relates to amounts that are not salary reduction elective deferrals if your
plan allows it;                                                         

..   Occurs after you die, have a severance from employment or become disabled  
(as defined by the Code);                                               

..   Is for financial hardship (but only to the extent of purchase payments) if 
your plan allows it;                                                    

..   Distributions attributable to certain Tax Sheltered Annuity plan           
 terminations if the conditions of the new income tax regulations are met;

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

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

Recent income tax regulations also provide certain new restrictions on          
withdrawals of amounts from tax sheltered annuities that are not attributable   
to salary reduction contributions. Under these regulations, 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.                                      

DESIGNATED ROTH ACCOUNT FOR 403(B) PLANS                                        

Employers that established and maintain a 403(b) plan ("the Plan") may also     
establish a Qualified Roth Contribution Program under Section 402A of the Code  
("Designated Roth Accounts") to accept after-tax contributions as part of the   
TSA plan. In accordance with our administrative procedures, we may permit these 
contributions to be made as purchase payments to a Section 403(b) Contract      
under the following conditions:                                                 

..   The employer maintaining the plan has demonstrated to our satisfaction that
Designated Roth accounts are permitted under the Plan.                  

..   In accordance with our administrative procedures, the amount of elective   
salary reduction contributions has been irrevocably designated as an    
after-tax contribution to the Designated Roth account.                  

..   All state regulatory approvals have been obtained to permit the Contract to
   accept such after-tax elective deferral contributions (and, where permitted
 under the Qualified Roth Contribution Program and Contract, rollovers and
trustee-to trustee transfers from other Designated Roth Accounts).      

..   In accordance with our procedures and in a form satisfactory to us, we may 
accept rollovers from other funding vehicles under any Qualified Roth   
   Contribution Program of the same type in which the employee participates as
  well as trustee-to-trustee transfers from other funding vehicles under the
same Qualified Roth Contribution Program for which the participant is   
making elective deferral contributions to the Contract.                 

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..   Recently enacted legislation allows (but does not require) 403(b) plans    
that offer designated Roth accounts to permit participants to roll their
   non-Roth account assets into a designated Roth account under the same plan,
   provided the non-Roth assets are distributable under the plan and otherwise
eligible for rollover.                                                  

..   No other contribution types (including employer contributions, matching    
contributions, etc.) will be allowed as designated Roth contributions,  
unless they become permitted under the Code.                            

..   If permitted under the federal tax law, we may permit both pre-tax         
  contributions under a 403(b) plan as well as after-tax contributions under
 that Plan's Qualified Roth Contribution Program to be made under the same
Contract as well as rollover contributions and contributions by         
   trustee-to-trustee transfers. In such cases, we will account separately for
the designated Roth contributions and the earnings thereon from the     
   contributions and earnings made under the pre-tax TSA plan (whether made as
elective deferrals, rollover contributions or trustee-to-trustee        
 transfers). As between the pre-tax or traditional Plan and the designated
Roth account, we will allocate any living benefits or death benefits    
 provided under the Contract on a reasonable basis, as permitted under the
tax law.                                                                

..   We may refuse to accept contributions made as rollovers and                
 trustee-to-trustee transfers, unless we are furnished with a breakdown as
between participant contributions and earnings at the time of the       
contribution.                                                           

You and your employer should consult their own tax and legal advisors prior to  
making or permitting contributions to be made to a Qualified Roth Contribution  
Program.                                                                        

..   The IRS was given authority in the final Roth account regulations to issue 
additional guidance addressing the potential for improper transfers of  
  value to Roth accounts due to the allocation of contract income, expenses,
  gains and losses. The IRS has not issued the additional guidance and, as a
result, there is uncertainty regarding the status of Roth accounts and  
particularly Roth accounts under annuity contracts that allocate charges
for guarantees. You should consult your tax or legal counsel for advice 
regarding Roth accounts and other matters relating to the final Roth    
account regulations.                                                    

LOANS                                                                           

If your employer's plan and TSA Contract permit loans, such loans will be made  
only from any Fixed Interest Account balance and only up to certain limits. In  
that case, we credit your Fixed Interest Account balance up to the amount of    
the outstanding loan balance with a rate of interest that is less than the      
interest rate we charge for the loan.                                           

The Code and applicable income tax regulations limit the amount that may be     
borrowed from your Contract and all your employer plans in the aggregate and    
also require that loans be repaid, at a minimum, in scheduled level payments    
over a prescribed term.                                                         

Your employer's plan and Contract will indicate whether loans are permitted.    
The terms of the loan are governed by the Contract and loan agreement. Failure  
to satisfy loan limits under the Code or to make any scheduled payments         
according to the terms of your loan agreement and Federal tax law could have    
adverse tax consequences. Consult a tax advisor and read your loan agreement    
and Contract prior to taking any loan.                                          

INDIVIDUAL RETIREMENT ANNUITIES                                                 

IRAS: TRADITIONAL IRA, ROTH IRA, SIMPLE IRA AND SEPS                            

The sale of a Contract for use with an IRA may be subject to special disclosure 
requirements of the IRS. Purchasers of a Contract for use with IRAs will be     
provided with supplemental information required by the IRS or other appropriate 
agency. A Contract issued in connection with an IRA may be amended as necessary 
to conform to the requirements of the Code.                                     

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IRA Contracts may not invest in life insurance. The Deferred Annuity offers     
death benefits and optional benefits that in some cases may exceed the greater  
of the purchase payments or the Account Balance which could conceivably be      
characterized as life insurance.                                                

The Roth IRA tax endorsement is based on the IRS model form 5305-RB (rev 0302). 
The Deferred Annuity (and optional death benefits and appropriate IRA tax       
endorsements) has not yet been submitted to the IRS for review and approval as  
to form. Disqualification of the Deferred Annuity as an IRA could result in the 
immediate taxation of amounts held in the Contract and other adverse tax        
consequences.                                                                   

Generally, except for Roth IRAs, IRAs can accept deductible (or pre-tax)        
purchase payments. Deductible or pre-tax purchase payments will be taxed when   
distributed from the Contract.                                                  

You must be both the contract owner and the annuitant under the Contract. Your  
IRA annuity is not forfeitable and you may not transfer, assign or pledge it to 
someone else. You are not permitted to borrow from the Contract. You can        
transfer your IRA proceeds to a similar IRA, certain eligible retirement plans  
of an employer (or a SIMPLE IRA to a Traditional IRA or eligible retirement     
plan after two years of participation in your employer's SIMPLE IRA plan)       
without incurring Federal income taxes if certain conditions are satisfied.     

Consult your tax adviser prior to the purchase of the Contract as a Traditional 
IRA, Roth IRA, SIMPLE IRA or SEP.                                               

TRADITIONAL IRA ANNUITIES                                                       

PURCHASE PAYMENTS                                                               

Purchase payments (except for permissible rollovers and direct transfers) are   
generally not permitted after the calendar year in which you attain age 69 1/2. 

Except for permissible rollovers and direct transfers, purchase payments to     
Traditional and Roth IRAs for individuals under age 50 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. Also, see IRS  
Publication 590 available at www.irs.gov.                                       

..   Individuals age 50 or older can make an additional "catch-up" purchase     
payment (assuming the individual has sufficient compensation).          

..   If you or your spouse are an active participant in a retirement plan of an 
employer, your deductible contributions may be limited.                 

..   Purchase payments in excess of these amounts may be subject to a penalty   
tax.                                                                    

..   If contributions are being made under a SEP or a SAR-SEP plan of your      
employer, additional amounts may be contributed as permitted by the Code
and the terms of the employer's plan.                                   

..   These age and dollar limits do not apply to tax-free rollovers or transfers
from other IRAs or other eligible retirement plans.                     

..   If certain conditions are met, you can change your Traditional IRA purchase
payment to a Roth IRA before you file your income tax return (including 
filing extensions).                                                     

WITHDRAWALS AND INCOME PAYMENTS                                                 

Withdrawals (other than tax free transfers or rollovers to other individual     
retirement arrangements or eligible retirement plans) and income payments are   
included in income except for the portion that represents a return of non-      
deductible                                                                      

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purchase payments. This portion is generally determined based on a ratio of all 
non-deductible purchase payments to the total values of all your Traditional    
IRAs. We will 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. Also see general section titled "Withdrawals" above.                      

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).                                                       

Generally, if you die before required minimum distribution withdrawals have     
begun, we must make payment of your entire interest by December 31st of the     
year that is the fifth anniversary of your death or begin making payments over  
a period and in a manner allowed by the Code to your beneficiary by             
December 31st of the year after your death. Consult your tax advisor because    
the application of these rules to your particular circumstances may have been   
impacted by the 2009 RMD waiver (see Minimum Distribution Requirements section  
for additional information).                                                    

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. Alternatively, if your spouse is your            
beneficiary, he or she may elect to continue as "contract owner" of the         
Contract.                                                                       

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 or a 
spousal beneficiary's ability to continue the Contract and the living and/or    
death benefits.                                                                 

If you die after required distributions begin, payments of your entire          
remaining interest must be made in a manner and over a period as provided under 
the Code (and any applicable regulations).                                      

If the Contract is issued in your name after your death for the benefit of your 
designated beneficiary with a purchase payment which is directly transferred to 
the Contract from another IRA account or IRA annuity you owned, the death       
benefit must continue to be distributed to your beneficiary's beneficiary in a  
manner at least as rapidly as the method of distribution in effect at the time  
of your beneficiary's death.                                                    

SIMPLE IRAS AND SEPS ANNUITIES                                                  

PURCHASE PAYMENTS TO SEPS.                                                      

If contributions are being made under a SEP plan of your employer, additional   
amounts may be contributed as permitted by the Code and the terms of the        
employer's plan.                                                                

Except for permissible contributions under the Code made in accordance with the 
employer's SEP plan, permissible rollovers and direct transfers, purchase       
payments to SEPs for individuals under age 50 are limited to the lesser of 100% 
of compensation or the deductible amount each year. This deductible amount is   
$5,000 in 2008 (adjusted for inflation thereafter).                             

Participants age 50 or older can make an additional "catch-up" purchase payment 
of $1,000 a year (assuming the individual has sufficient compensation).         
Purchase payments in excess of this amount may be subject to a penalty tax.     

Purchase payments (except for permissible rollovers and direct transfers) are   
generally not permitted after the calendar year in which you attain age 69 1/2. 
These age and dollar limits do not apply to tax-free rollovers or transfers.    

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PURCHASE PAYMENTS TO SIMPLE IRAS                                                

The Code allows contributions up to certain limits to be made under a valid     
salary reduction agreement to a SIMPLE IRA and also allows for employer         
contributions up to certain applicable limits under the Code.                   

The Code allows "catch up" contributions for participants age 50 and older in   
excess of these limits ($2,500 in 2008 and years thereafter unless adjusted for 
inflation).                                                                     

Transfers and rollovers from other SIMPLE IRA funding vehicles may also be      
accepted under your SIMPLE IRA Deferred Annuity.                                

Purchase payments (except for permissible rollovers and direct transfers) are   
generally not permitted after the calendar year in which you attain age 69 1/2. 
These age and dollar limits do not apply to tax-free rollovers or transfers.    

WITHDRAWALS AND INCOME PAYMENTS                                                 

Withdrawals and income payments are included in income except for the portion   
that represents a return of non-deductible purchase payments. This portion is   
generally determined based on a ratio of all non-deductible purchase payments   
to the total values of all your Traditional IRAs (including SIMPLE and SEP      
IRAs).                                                                          

DEATH BENEFITS                                                                  

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

Generally, if you die before required minimum distribution withdrawals have     
begun, we must make payment of your entire interest by December 31st of the     
year that is fifth anniversary of your death or begin making payments over a    
period and in a manner allowed by the Code to your beneficiary by December 31st 
of the year after your death. Consult your tax advisor because the application  
of these rules to your particular circumstances may have been impacted by the   
2009 RMD waiver (see Minimum Distribution Requirements section for additional   
information).                                                                   

If your spouse is your beneficiary, 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. Alternatively, if your spouse is your beneficiary, he or she may elect  
to continue as owner of the Contract and treat it as his/her own Traditional    
IRA (in the case of SEPs) or his/her own SIMPLE IRA (if so eligible, in the     
case of SIMPLE IRA). Under federal tax rules, a same-sex spouse is treated as a 
non-spouse beneficiary.                                                         

If you die after required distributions begin, payments of your entire          
remaining interest must be made in a manner and over a period as provided under 
the Code (and any applicable regulations).                                      

If the Contract is issued in your name after your death for the benefit of your 
designated beneficiary with a purchase payment which is directly transferred to 
the Contract from another IRA account or IRA annuity you owned, the death       
benefit must continue to be distributed to your beneficiary's beneficiary in a  
manner at least as rapidly as the method of distribution in effect at the time  
of your beneficiary's death.                                                    

457(B) PLANS                                                                    

GENERAL                                                                         

457(b) plans are available to state or local governments and certain tax-exempt 
organizations as described in Section 457(b) and 457(e)(1) of the Code. The     
plans are not available for churches and qualified church-controlled            
organizations.                                                                  

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457(b) annuities maintained by a state or local government are for the          
exclusive benefit of plan participants and their beneficiaries. 457(b)          
annuities other than those maintained by state or local governments are solely  
the property of the employer and are subject to the claims of the employer's    
general creditors until they are "made available" to you.                       

Recently enacted legislation allows (but does not require) governmental 457(b)  
plans to permit participants to make designated Roth contributions to a         
designated Roth account under the plan. This new legislation also allows (but   
does not require) such plans to permit participants to roll their non-Roth      
account assets into a designated Roth account under the same plan, provided the 
non-Roth assets are distributable under the plan and otherwise eligible for     
rollover.                                                                       

WITHDRAWALS                                                                     

Generally, because contributions are on a before-tax basis, withdrawals from    
your annuity are subject to income tax. Generally, monies in your Contract can  
not be "made available" to you until you reach age 70 1/2, leave your job (or   
your employer changes) or have an unforeseen emergency (as defined by the Code).

SPECIAL RULES                                                                   

Special rules apply to certain non-governmental 457(b) plans deferring          
compensation from taxable years beginning before January 1, 1987 (or beginning  
later but based on an agreement in writing on August 16, 1986).                 

LOANS                                                                           

In the case of a 457(b) plan maintained by a state or local government, the     
plan may permit loans. The Code and applicable income tax regulations limit the 
amount that may be borrowed from your 457(b) plan and all employer plans in the 
aggregate and also require that loans be repaid, at minimum, in scheduled level 
payments over a certain term.                                                   

Your 457(b) plan will indicate whether plan loans are permitted. The terms of   
the loan are governed by your loan agreement with the plan. Failure to satisfy  
loan limits under the Code or to make any scheduled payments according to the   
terms of your loan agreement and Federal tax law could have adverse tax         
consequences. Consult a tax advisor and read your loan agreement and Contract   
prior to taking any loan.                                                       

403(A)                                                                          

GENERAL                                                                         

The employer adopts a 403(a) plan as a qualified retirement plan to provide     
benefits to participating employees. The plan generally works in a similar      
manner to a corporate qualified retirement plan except that the 403(a) plan     
does not have a trust or a trustee.                                             

See the "General" headings under Income Taxes for a brief description of the    
tax rules that apply to 403(a) annuities.                                       

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LEGAL PROCEEDINGS                                                               

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

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TABLE OF CONTENTS FOR THE STATEMENT                                             

OF ADDITIONAL INFORMATION                                                       

                                                        [Enlarge/Download Table]

                                                                                                PAGE
                                                                                                    

INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM..................................................   2 

PRINCIPAL UNDERWRITER..........................................................................   2 

DISTRIBUTION AND PRINCIPAL UNDERWRITER AGREEMENT...............................................   2 

EXPERIENCE FACTOR..............................................................................   3 

VARIABLE INCOME PAYMENTS.......................................................................   3 

CALCULATING THE ANNUITY UNIT VALUE.............................................................   5 

ADVERTISEMENT OF THE SEPARATE ACCOUNT..........................................................   6 

VOTING RIGHTS..................................................................................   9 

ERISA..........................................................................................  10 

TAXES..........................................................................................  11 

WITHDRAWALS....................................................................................  12 

ACCUMULATION UNIT VALUES TABLES................................................................  13 

FINANCIAL STATEMENTS OF THE SEPARATE ACCOUNT...................................................   1 

FINANCIAL STATEMENTS OF METLIFE................................................................ F-1 

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APPENDIX I                                                                      

PREMIUM TAX TABLE                                                               

If you are a resident of one of the following jurisdictions, the percentage     
amount listed by that jurisdiction is the premium tax rate applicable to your   
annuity.                                                                        

                                                                [Download Table]


                   TSA and                                   
                   TSA ERISA IRA and SEP  457(b)    403(a)   
                   Annuities Annuities(1) Annuities Annuities
                                                             
California........ 0.5%      0.5%(2)      2.35%     0.5%     
Florida(2)........ 1.0%      1.0%         1.0%      1.0%     
Maine............. --        --           2.00%     --       
Nevada............ --        --           3.50%     --       
Puerto Rico(3).... 1.0%      1.0%         1.0%      1.0%     
South Dakota(4)... --        --           1.25%     --       
Wyoming........... --        --           1.00%     --       
West Virginia..... 1.0%      1.0%         1.0%      1.0%     

---                                                             
  /1/Premium tax rates applicable to IRA and SEP annuities purchased for
 use in connection with individual retirement trust or custodial
     accounts meeting the requirements of Section 408(a) of the Code are
included under the column heading "IRA and SEP Annuities".    

     /2/Annuity premiums are exempt from taxation provided the tax savings are
     passed back to the contract holders. Otherwise, they are taxable at
  1%. [MetLife passes the tax savings back to contractholders and,
therefore, annuity premiums are exempt from taxation.]        

/3/We will not deduct premium taxes paid by us to Puerto Rico from  
     purchase payments, account balances, withdrawals, death benefits or
income payments.                                              

     /4/Special rate applies for large case annuity policies. Rate is 8/100 of
 1% for that portion of the annuity considerations received on a
  contract exceeding $500,000 annually. Special rate on large case
policies is not subject to retaliation.                       

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APPENDIX II                                                                     

WHAT YOU NEED TO KNOW IF YOU ARE A TEXAS OPTIONAL                               
RETIREMENT PROGRAM PARTICIPANT                                                  

If you are a participant in the Texas Optional Retirement Program, Texas law    
permits us to make withdrawals on your behalf only if you die, retire or        
terminate employment in all Texas institutions of higher education, as defined  
under Texas law. Any withdrawal you ask for requires a written statement from   
the appropriate Texas institution of higher education verifying your vesting    
status and (if applicable) termination of employment. Also, we require a        
written statement from you that you are not transferring employment to another  
Texas institution of higher education. If you retire or terminate employment in 
all Texas institutions of higher education or die before being vested, amounts  
provided by the state's matching contribution will be refunded to the           
appropriate Texas institution. We may change these restrictions or add others   
without your consent to the extent necessary to maintain compliance with the    
law.                                                                            

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APPENDIX III                                                                    

ACCUMULATION UNIT VALUES FOR EACH INVESTMENT DIVISION                           

These tables show fluctuations in the Accumulation Unit Values for two of the   
possible mixes offered within the Deferred Annuity for each investment division 
from year end to year end. The information in these tables has been derived     
from the Separate Account's full financial statements or other reports (such as 
the annual report). The first table shows the Deferred Annuity mix that bears   
the total highest charge, and the second table shows the Deferred Annuity mix   
that bears the total lowest charge. The mix with the total highest charge has   
these features: e Bonus Class, the Annual Step-Up Death Benefit and the         
Lifetime Withdrawal Guarantee Benefit. (In terms of the calculation for this    
mix, the Lifetime Withdrawal Guarantee Benefit charge is made by canceling      
accumulation units and, therefore, the charge is not reflected in the           
Accumulation Unit Value. However, purchasing this option with these other       
contract features will result in the highest overall charge.) Lower charges for 
the Guaranteed Minimum Income Benefit and the Lifetime Withdrawal Guarantee     
Benefit were in effect prior to May 4, 2009. The mix with the total lowest      
charge has these features: e Class and no optional benefit. All other possible  
mixes for each investment division within the Deferred Annuity appear in the    
SAI, which is available upon request without charge by calling 1-800-638-7732.  

METLIFE FINANCIAL FREEDOM SELECT  
HIGHEST POSSIBLE MIX  
1.05 SEPARATE ACCOUNT CHARGE  

                                                        [Enlarge/Download Table]

                                                                                       Beginning of               Number of  
                                                                                           Year     End of Year  Accumulation
                                                                                       Accumulation Accumulation Units End of
Investment Division                                                               Year  Unit Value   Unit Value      Year    
-------------------                                                               ---- ------------ ------------ ------------
                                                                                                                             
American Funds Balanced Allocation Investment Division (Class C)/(i)/............ 2008   $ 10.00      $  7.03        0.00    
                                                                                  2009      7.03         8.99        0.00    
                                                                                  2010      8.99         9.98        0.00    

American Funds Bond Investment Division (Class 2)/(f)(j)/........................ 2006     14.95        15.71        0.00    
                                                                                  2007     15.71        16.02        0.00    
                                                                                  2008     16.02        14.33        0.00    
                                                                                  2009     14.33        15.93        0.00    
                                                                                  2010     15.93        16.74        0.00    

American Funds Global Small Capitalization Investment Division (Class 2)/(a)(j)/. 2002     12.21        10.86        0.00    
                                                                                  2003     10.86        16.46        0.00    
                                                                                  2004     16.46        19.64        0.00    
                                                                                  2005     19.64        24.31        0.00    
                                                                                  2006     24.31        29.77        0.00    
                                                                                  2007     29.77        35.68        0.00    
                                                                                  2008     35.68        16.36        0.00    
                                                                                  2009     16.36        26.06        0.00    
                                                                                  2010     26.06        31.49        0.00    

American Funds Growth Allocation Investment Division (Class C)/(i)/.............. 2008      9.99         6.37        0.00    
                                                                                  2009      6.37         8.46        0.00    
                                                                                  2010      8.46         9.50        0.00    

American Funds Growth Investment Division (Class 2)/(a)(j)/...................... 2002     90.18        87.17        0.00    
                                                                                  2003     87.17       117.72        0.00    
                                                                                  2004    117.72       130.72        0.00    
                                                                                  2005    130.72       149.93        0.00    
                                                                                  2006    149.93       163.12        0.00    
                                                                                  2007    163.12       180.88        0.00    
                                                                                  2008    180.88       100.03        0.00    
                                                                                  2009    100.03       137.65        0.00    
                                                                                  2010    137.65       161.26        0.00    

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                                                                                    Beginning of               Number of  
                                                                                        Year     End of Year  Accumulation
                                                                                    Accumulation Accumulation Units End of
Investment Division                                                            Year  Unit Value   Unit Value      Year    
-------------------                                                            ---- ------------ ------------ ------------
                                                                                                                          
American Funds Growth-Income Investment Division (Class 2)/(a)(j)/............ 2002   $ 74.60      $ 70.08        0.00    
                                                                               2003     70.08        91.61        0.00    
                                                                               2004     91.61        99.81        0.00    
                                                                               2005     99.81       104.27        0.00    
                                                                               2006    104.27       118.57        0.00    
                                                                               2007    118.57       122.93        0.00    
                                                                               2008    122.93        75.41        0.00    
                                                                               2009     75.41        97.70        0.00    
                                                                               2010     97.70       107.45        0.00    

American Funds Moderate Allocation Investment Division (Class C)/(i)/......... 2008     10.01         7.70        0.00    
                                                                               2009      7.70         9.41        0.00    
                                                                               2010      9.41        10.23        0.00    

Barclays Capital Aggregate Bond Index Investment Division                                                                 
  (formerly Lehman Brothers(R) Aggregate Bond Index Investment Division)/(a)/. 2002     11.86        12.41        0.00    
                                                                               2003     12.41        12.70        0.00    
                                                                               2004     12.70        13.05        0.00    
                                                                               2005     13.05        13.15        0.00    
                                                                               2006     13.15        13.51        0.00    
                                                                               2007     13.51        14.26        0.00    
                                                                               2008     14.26        14.91        0.00    
                                                                               2009     14.91        15.48        0.00    
                                                                               2010     15.48        16.20        0.00    

BlackRock Bond Income Investment Division/(a)/................................ 2002     43.17        44.88        0.00    
                                                                               2003     44.88        46.89        0.00    
                                                                               2004     46.89        48.33        0.00    
                                                                               2005     48.33        48.86        0.00    
                                                                               2006     48.86        50.35        0.00    
                                                                               2007     50.35        52.82        0.00    
                                                                               2008     52.82        50.36        0.00    
                                                                               2009     50.36        54.41        0.00    
                                                                               2010     54.41        58.18        0.00    

BlackRock Large Cap Core Investment Division*/(g)/............................ 2007     84.90        85.83        0.00    
                                                                               2008     85.83        53.24        0.00    
                                                                               2009     53.24        62.80        0.00    
                                                                               2010     62.80        69.89        0.00    

BlackRock Large Cap Investment Division                                                                                   
  (formerly BlackRock Investment Trust Investment Division)/(a)(g)/........... 2002     53.00        50.32        0.00    
                                                                               2003     50.32        64.69        0.00    
                                                                               2004     64.69        70.80        0.00    
                                                                               2005     70.80        72.38        0.00    
                                                                               2006     72.38        81.54        0.00    
                                                                               2007     81.54        85.61        0.00    

BlackRock Large Cap Value Investment Division/(a)/............................ 2002      8.61         7.92        0.00    
                                                                               2003      7.92        10.62        0.00    
                                                                               2004     10.62        11.90        0.00    
                                                                               2005     11.90        12.43        0.00    
                                                                               2006     12.43        14.66        0.00    
                                                                               2007     14.66        14.96        0.00    
                                                                               2008     14.96         9.60        0.00    
                                                                               2009      9.60        10.55        0.00    
                                                                               2010     10.55        11.37        0.00    

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                                                                    Beginning of               Number of  
                                                                        Year     End of Year  Accumulation
                                                                    Accumulation Accumulation Units End of
Investment Division                                            Year  Unit Value   Unit Value      Year    
-------------------                                            ---- ------------ ------------ ------------
                                                                                                          
BlackRock Legacy Large Cap Growth Investment Division/(a)/.... 2002    $20.93       $18.31        0.00    
                                                               2003     18.31        24.51        0.00    
                                                               2004     24.51        26.33        0.00    
                                                               2005     26.33        27.82        0.00    
                                                               2006     27.82        28.60        0.00    
                                                               2007     28.60        33.51        0.00    
                                                               2008     33.51        20.99        0.00    
                                                               2009     20.99        28.36        0.00    
                                                               2010     28.36        33.53        0.00    

BlackRock Legacy Large Cap Growth Investment Division                                                     
  (formerly FI Large Cap Investment Division)/(k)/............ 2006     17.67        17.92        0.00    
                                                               2007     17.92        18.39        0.00    
                                                               2008     18.39        10.02        0.00    
                                                               2009     10.02        10.45        0.00    

BlackRock Money Market Investment Division/(b)/............... 2003     23.75        23.66        0.00    
                                                               2004     23.66        23.59        0.00    
                                                               2005     23.59        23.96        0.00    
                                                               2006     23.96        24.79        0.00    
                                                               2007     24.79        25.71        0.00    
                                                               2008     25.71        26.10        0.00    
                                                               2009     26.10        25.89        0.00    
                                                               2010     25.89        25.62        0.00    

Calvert VP SRI Balanced Investment Division                                                               
  (formerly Calvert Social Balanced Investment Division/(a)/). 2002     17.89        17.57        0.00    
                                                               2003     17.57        20.75        0.00    
                                                               2004     20.75        22.23        0.00    
                                                               2005     22.23        23.24        0.00    
                                                               2006     23.24        25.02        0.00    
                                                               2007     25.02        25.44        0.00    
                                                               2008     25.44        17.28        0.00    
                                                               2009     17.28        21.43        0.00    
                                                               2010     21.43        23.77        0.00    

Clarion Global Real Estate Investment Division/(d)/........... 2004      9.99        12.86        0.00    
                                                               2005     12.86        14.42        0.00    
                                                               2006     14.42        19.63        0.00    
                                                               2007     19.63        16.51        0.00    
                                                               2008     16.51         9.53        0.00    
                                                               2009      9.53        12.70        0.00    
                                                               2010     12.70        14.59        0.00    

Davis Venture Value Investment Division/(a)/.................. 2002     22.80        22.23        0.00    
                                                               2003     22.23        28.76        0.00    
                                                               2004     28.76        31.86        0.00    
                                                               2005     31.86        34.68        0.00    
                                                               2006     34.68        39.23        0.00    
                                                               2007     39.23        40.51        0.00    
                                                               2008     40.51        24.24        0.00    
                                                               2009     24.24        31.58        0.00    
                                                               2010     31.58        34.91        0.00    

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                                                                     Beginning of               Number of  
                                                                         Year     End of Year  Accumulation
                                                                     Accumulation Accumulation Units End of
Investment Division                                             Year  Unit Value   Unit Value      Year    
-------------------                                             ---- ------------ ------------ ------------
                                                                                                           
FI Value Leaders Investment Division/(a)/...................... 2002   $ 20.15      $ 19.17        0.00    
                                                                2003     19.17        24.06        0.00    
                                                                2004     24.06        27.04        0.00    
                                                                2005     27.04        29.55        0.00    
                                                                2006     29.55        32.65        0.00    
                                                                2007     32.65        33.58        0.00    
                                                                2008     33.58        20.23        0.00    
                                                                2009     20.23        24.32        0.00    
                                                                2010     24.32        27.51        0.00    

Harris Oakmark International Investment Division/(a)/.......... 2002      9.91         8.86        0.00    
                                                                2003      8.86        11.84        0.00    
                                                                2004     11.84        14.12        0.00    
                                                                2005     14.12        15.97        0.00    
                                                                2006     15.97        20.36        0.00    
                                                                2007     20.36        19.92        0.00    
                                                                2008     19.92        11.65        0.00    
                                                                2009     11.65        17.88        0.00    
                                                                2010     17.88        20.60        0.00    

Invesco Small Cap Growth Investment Division                                                               
  (formerly Met/AIM Small Cap Growth Investment Division/(a)/). 2002      8.93         8.50        0.00    
                                                                2003      8.50        11.69        0.00    
                                                                2004     11.69        12.31        0.00    
                                                                2005     12.31        13.19        0.00    
                                                                2006     13.19        14.90        0.00    
                                                                2007     14.90        16.38        0.00    
                                                                2008     16.38         9.93        0.00    
                                                                2009      9.93        13.15        0.00    
                                                                2010     13.15        16.42        0.00    

Janus Forty Investment Division/(h)/........................... 2007    159.23       195.80        0.00    
                                                                2008    195.80       112.38        0.00    
                                                                2009    112.38       158.86        0.00    
                                                                2010    158.86       171.98        0.00    

Lazard Mid Cap Investment Division/(a)/........................ 2002     10.01         9.70        0.00    
                                                                2003      9.70        12.12        0.00    
                                                                2004     12.12        13.72        0.00    
                                                                2005     13.72        14.67        0.00    
                                                                2006     14.67        16.65        0.00    
                                                                2007     16.65        16.02        0.00    
                                                                2008     16.02         9.78        0.00    
                                                                2009      9.78        13.24        0.00    
                                                                2010     13.24        16.10        0.00    

Loomis Sayles Small Cap Core Investment Division                                                           
  (formerly Loomis Sayles Small Cap Investment Divisions)/(a)/. 2002     19.40        17.73        0.00    
                                                                2003     17.73        23.94        0.00    
                                                                2004     23.94        27.54        0.00    
                                                                2005     27.54        29.07        0.00    
                                                                2006     29.07        33.49        0.00    
                                                                2007     33.49        36.99        0.00    
                                                                2008     36.99        23.40        0.00    
                                                                2009     23.40        30.09        0.00    
                                                                2010     30.09        37.88        0.00    

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                                                                                Beginning of               Number of  
                                                                                    Year     End of Year  Accumulation
                                                                                Accumulation Accumulation Units End of
Investment Division                                                        Year  Unit Value   Unit Value      Year    
-------------------                                                        ---- ------------ ------------ ------------
                                                                                                                      
Loomis Sayles Small Cap Growth Investment Division                                                                    
  (formerly Franklin Templeton Small Cap Growth Investment Division)/(a)/. 2002    $ 6.76       $ 6.27        0.00    
                                                                           2003      6.27         8.98        0.00    
                                                                           2004      8.98         9.88        0.00    
                                                                           2005      9.88        10.20        0.00    
                                                                           2006     10.20        11.08        0.00    
                                                                           2007     11.08        11.44        0.00    
                                                                           2008     11.44         6.64        0.00    
                                                                           2009      6.64         8.52        0.00    
                                                                           2010      8.52        11.08        0.00    

Lord Abbett Bond Debenture Investment Division/(a)/....................... 2002     13.55        13.88        0.00    
                                                                           2003     13.88        16.36        0.00    
                                                                           2004     16.36        17.52        0.00    
                                                                           2005     17.52        17.59        0.00    
                                                                           2006     17.59        19.00        0.00    
                                                                           2007     19.00        20.03        0.00    
                                                                           2008     20.03        16.14        0.00    
                                                                           2009     16.14        21.84        0.00    
                                                                           2010     21.84        24.41        0.00    

Met/Artisan Mid Cap Value Investment Division                                                                         
  (formerly Harris Oakmark Focused Value Investment Division)/(a)/........ 2002     23.25        23.96        0.00    
                                                                           2003     23.96        31.38        0.00    
                                                                           2004     31.38        34.05        0.00    
                                                                           2005     34.05        36.96        0.00    
                                                                           2006     36.96        41.03        0.00    
                                                                           2007     41.03        37.73        0.00    
                                                                           2008     37.73        20.11        0.00    
                                                                           2009     20.11        28.10        0.00    
                                                                           2010     28.10        31.91        0.00    

Met/Franklin Income Investment Division/(i)/.............................. 2008      9.99         8.00        0.00    
                                                                           2009      8.00        10.12        0.00    
                                                                           2010     10.12        11.20        0.00    

Met/Franklin Mutual Shares Investment Division/(i)/....................... 2008      9.99         6.61        0.00    
                                                                           2009      6.61         8.17        0.00    
                                                                           2010      8.17         8.98        0.00    

Met/Franklin Templeton Founding Strategy Investment Division/(i)/......... 2008      9.99         7.05        0.00    
                                                                           2009      7.05         8.96        0.00    
                                                                           2010      8.96         9.76        0.00    

Met/Templeton Growth Investment Division/(i)/............................. 2008      9.99         6.58        0.00    
                                                                           2009      6.58         8.64        0.00    
                                                                           2010      8.64         9.20        0.00    

MetLife Mid Cap Stock Index Investment Division/(a)/...................... 2002      9.01         8.69        0.00    
                                                                           2003      8.69        11.57        0.00    
                                                                           2004     11.57        13.25        0.00    
                                                                           2005     13.25        14.69        0.00    
                                                                           2006     14.69        15.97        0.00    
                                                                           2007     15.97        16.99        0.00    
                                                                           2008     16.99        10.69        0.00    
                                                                           2009     10.69        14.48        0.00    
                                                                           2010     14.48        18.05        0.00    

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                                                        [Enlarge/Download Table]

                                                             Beginning of               Number of  
                                                                 Year     End of Year  Accumulation
                                                             Accumulation Accumulation Units End of
Investment Division                                     Year  Unit Value   Unit Value      Year    
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
MetLife Stock Index Investment Division/(a)/........... 2002    $29.30       $28.01        0.00    
                                                        2003     28.01        35.44        0.00    
                                                        2004     35.44        38.68        0.00    
                                                        2005     38.68        39.95        0.00    
                                                        2006     39.95        45.54        0.00    
                                                        2007     45.54        47.30        0.00    
                                                        2008     47.30        29.37        0.00    
                                                        2009     29.37        36.59        0.00    
                                                        2010     36.59        41.46        0.00    

MFS(R) Research International Investment Division/(a)/. 2002      7.83         7.33        0.00    
                                                        2003      7.33         9.58        0.00    
                                                        2004      9.58        11.34        0.00    
                                                        2005     11.34        13.06        0.00    
                                                        2006     13.06        16.36        0.00    
                                                        2007     16.36        18.34        0.00    
                                                        2008     18.34        10.46        0.00    
                                                        2009     10.46        13.62        0.00    
                                                        2010     13.62        15.01        0.00    

MFS(R) Total Return Investment Division/(a)/........... 2002     33.72        33.52        0.00    
                                                        2003     33.52        38.72        0.00    
                                                        2004     38.72        42.52        0.00    
                                                        2005     42.52        43.28        0.00    
                                                        2006     43.28        47.94        0.00    
                                                        2007     47.94        49.39        0.00    
                                                        2008     49.39        37.95        0.00    
                                                        2009     37.95        44.43        0.00    
                                                        2010     44.43        48.27        0.00    

MFS(R) Value Investment Division/(a)/.................. 2002     10.13         9.81        0.00    
                                                        2003      9.81        12.16        0.00    
                                                        2004     12.16        13.37        0.00    
                                                        2005     13.37        13.02        0.00    
                                                        2006     13.02        15.18        0.00    
                                                        2007     15.18        14.42        0.00    
                                                        2008     14.42         9.46        0.00    
                                                        2009      9.46        11.28        0.00    
                                                        2010     11.28        12.41        0.00    

Morgan Stanley EAFE(R) Index Investment Division/(a)/.. 2002      7.97         7.09        0.00    
                                                        2003      7.09         9.62        0.00    
                                                        2004      9.62        11.36        0.00    
                                                        2005     11.36        12.69        0.00    
                                                        2006     12.69        15.76        0.00    
                                                        2007     15.76        17.24        0.00    
                                                        2008     17.24         9.86        0.00    
                                                        2009      9.86        12.51        0.00    
                                                        2010     12.51        13.36        0.00    

Morgan Stanley Mid Cap Growth Investment Division/(l)/. 2010     13.48        15.69        0.00    

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                                                                        Beginning of               Number of  
                                                                            Year     End of Year  Accumulation
                                                                        Accumulation Accumulation Units End of
Investment Division                                                Year  Unit Value   Unit Value      Year    
-------------------                                                ---- ------------ ------------ ------------
                                                                                                              
Morgan Stanley Mid Cap Growth Investment Division                                                             
  (formerly FI Mid Cap Opportunities Investment Division)/(a)(c)/. 2002    $11.43       $11.03        0.00    
                                                                   2003     11.03        14.66        0.00    
                                                                   2004     14.66        16.95        0.00    
                                                                   2005     16.95        17.89        0.00    
                                                                   2006     17.89        19.75        0.00    
                                                                   2007     19.75        21.13        0.00    
                                                                   2008     21.13         9.32        0.00    
                                                                   2009      9.32        12.31        0.00    
                                                                   2010     12.31        13.34        0.00    

Neuberger Berman Genesis Investment Division                                                                  
  (formerly BlackRock Strategic Value Investment Division)/(a)/... 2002     12.83        10.91        0.00    
                                                                   2003     10.91        16.17        0.00    
                                                                   2004     16.17        18.41        0.00    
                                                                   2005     18.41        18.93        0.00    
                                                                   2006     18.93        21.81        0.00    
                                                                   2007     21.81        20.79        0.00    
                                                                   2008     20.79        12.64        0.00    
                                                                   2009     12.64        14.11        0.00    
                                                                   2010     14.11        16.94        0.00    

Neuberger Berman Mid Cap Value Investment Division/(a)/........... 2002     14.15        13.52        0.00    
                                                                   2003     13.52        18.22        0.00    
                                                                   2004     18.22        22.12        0.00    
                                                                   2005     22.12        24.50        0.00    
                                                                   2006     24.50        26.96        0.00    
                                                                   2007     26.96        27.53        0.00    
                                                                   2008     27.53        14.30        0.00    
                                                                   2009     14.30        20.91        0.00    
                                                                   2010     20.91        26.09        0.00    

Oppenheimer Capital Appreciation Investment Division/(a)/......... 2002      6.57         6.32        0.00    
                                                                   2003      6.32         8.04        0.00    
                                                                   2004      8.04         8.47        0.00    
                                                                   2005      8.47         8.77        0.00    
                                                                   2006      8.77         9.34        0.00    
                                                                   2007      9.34        10.57        0.00    
                                                                   2008     10.57         5.65        0.00    
                                                                   2009      5.65         8.04        0.00    
                                                                   2010      8.04         8.70        0.00    

PIMCO Inflation Protected Bond Investment Division/(f)/........... 2006     11.11        11.24        0.00    
                                                                   2007     11.24        12.32        0.00    
                                                                   2008     12.32        11.36        0.00    
                                                                   2009     11.36        13.27        0.00    
                                                                   2010     13.27        14.15        0.00    

PIMCO Total Return Investment Division/(a)/....................... 2002     10.96        11.43        0.00    
                                                                   2003     11.43        11.79        0.00    
                                                                   2004     11.79        12.25        0.00    
                                                                   2005     12.25        12.40        0.00    
                                                                   2006     12.40        12.82        0.00    
                                                                   2007     12.82        13.65        0.00    
                                                                   2008     13.65        13.56        0.00    
                                                                   2009     13.56        15.84        0.00    
                                                                   2010     15.84        16.95        0.00    

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                                                                                                  Beginning of             
                                                                                                      Year     End of Year 
                                                                                                  Accumulation Accumulation
Investment Division                                                                          Year  Unit Value   Unit Value 
-------------------                                                                          ---- ------------ ------------
                                                                                                                           
RCM Technology Investment Division/(a)/..................................................... 2002    $ 3.69       $ 2.98   
                                                                                             2003      2.98         4.64   
                                                                                             2004      4.64         4.39   
                                                                                             2005      4.39         4.83   
                                                                                             2006      4.83         5.03   
                                                                                             2007      5.03         6.55   
                                                                                             2008      6.55         3.60   
                                                                                             2009      3.60         5.67   
                                                                                             2010      5.67         7.16   

Russell 2000(R) Index Investment Division/(a)/.............................................. 2002     10.13         9.40   
                                                                                             2003      9.40        13.56   
                                                                                             2004     13.56        15.75   
                                                                                             2005     15.75        16.26   
                                                                                             2006     16.26        18.92   
                                                                                             2007     18.92        18.40   
                                                                                             2008     18.40        12.08   
                                                                                             2009     12.08        15.02   
                                                                                             2010     15.02        18.81   

SSgA Growth ETF Investment Division (formerly Cyclical Growth ETF Investment Division)/(f)/. 2006     10.72        11.46   
                                                                                             2007     11.46        11.98   
                                                                                             2008     11.98         7.94   
                                                                                             2009      7.94        10.15   
                                                                                             2010     10.15        11.46   

SSgA Growth and Income ETF Investment Division                                                                             
  (formerly Cyclical Growth and Income ETF Investment Division)/(f)/........................ 2006     10.53        11.20   
                                                                                             2007     11.20        11.69   
                                                                                             2008     11.69         8.66   
                                                                                             2009      8.66        10.71   
                                                                                             2010     10.71        11.89   

T. Rowe Price Large Cap Growth Investment Division/(a)/..................................... 2002      9.01         8.80   
                                                                                             2003      8.80        11.38   
                                                                                             2004     11.38        12.36   
                                                                                             2005     12.36        13.00   
                                                                                             2006     13.00        14.53   
                                                                                             2007     14.53        15.69   
                                                                                             2008     15.69         9.00   
                                                                                             2009      9.00        12.74   
                                                                                             2010     12.74        14.72   

T. Rowe Price Mid Cap Growth Investment Division/(a)/....................................... 2002      4.85         4.57   
                                                                                             2003      4.57         6.18   
                                                                                             2004      6.18         7.21   
                                                                                             2005      7.21         8.18   
                                                                                             2006      8.18         8.59   
                                                                                             2007      8.59        10.00   
                                                                                             2008     10.00         5.96   
                                                                                             2009      5.96         8.58   
                                                                                             2010      8.58        10.85   

                                                        [Enlarge/Download Table]

                                                                                              Number of  
                                                                                             Accumulation
                                                                                             Units End of
Investment Division                                                                              Year    
-------------------                                                                          ------------
                                                                                                         
RCM Technology Investment Division/(a)/.....................................................     0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    

Russell 2000(R) Index Investment Division/(a)/..............................................     0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    

SSgA Growth ETF Investment Division (formerly Cyclical Growth ETF Investment Division)/(f)/.     0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    

SSgA Growth and Income ETF Investment Division                                                           
  (formerly Cyclical Growth and Income ETF Investment Division)/(f)/........................     0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    

T. Rowe Price Large Cap Growth Investment Division/(a)/.....................................     0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    

T. Rowe Price Mid Cap Growth Investment Division/(a)/.......................................     0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    
                                                                                                 0.00    

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                                                                                     Beginning of               Number of  
                                                                                         Year     End of Year  Accumulation
                                                                                     Accumulation Accumulation Units End of
Investment Division                                                             Year  Unit Value   Unit Value      Year    
-------------------                                                             ---- ------------ ------------ ------------
                                                                                                                           
T. Rowe Price Small Cap Growth Investment Division/(a)/........................ 2002    $ 9.03       $ 8.85        0.00    
                                                                                2003      8.85        12.35        0.00    
                                                                                2004     12.35        13.56        0.00    
                                                                                2005     13.56        14.86        0.00    
                                                                                2006     14.86        15.24        0.00    
                                                                                2007     15.24        16.52        0.00    
                                                                                2008     16.52        10.41        0.00    
                                                                                2009     10.41        14.28        0.00    
                                                                                2010     14.28        19.03        0.00    

Third Avenue Small Cap Value Investment Division/(a)/.......................... 2002      9.03         8.25        0.00    
                                                                                2003      8.25        11.54        0.00    
                                                                                2004     11.54        14.45        0.00    
                                                                                2005     14.45        16.51        0.00    
                                                                                2006     16.51        18.49        0.00    
                                                                                2007     18.49        17.74        0.00    
                                                                                2008     17.74        12.32        0.00    
                                                                                2009     12.32        15.42        0.00    
                                                                                2010     15.42        18.29        0.00    

Western Asset Management Strategic Bond Opportunities Investment Division/(a)/. 2002     16.49        17.48        0.00    
                                                                                2003     17.48        19.48        0.00    
                                                                                2004     19.48        20.49        0.00    
                                                                                2005     20.49        20.80        0.00    
                                                                                2006     20.80        21.57        0.00    
                                                                                2007     21.57        22.14        0.00    
                                                                                2008     22.14        18.57        0.00    
                                                                                2009     18.57        24.24        0.00    
                                                                                2010     24.24        26.97        0.00    

Western Asset Management U.S. Government Investment Division/(a)/.............. 2002     15.51        16.00        0.00    
                                                                                2003     16.00        16.10        0.00    
                                                                                2004     16.10        16.36        0.00    
                                                                                2005     16.36        16.41        0.00    
                                                                                2006     16.41        16.88        0.00    
                                                                                2007     16.88        17.37        0.00    
                                                                                2008     17.37        17.10        0.00    
                                                                                2009     17.10        17.61        0.00    
                                                                                2010     17.61        18.38        0.00    

MetLife Aggressive Allocation Investment Division/(e)/......................... 2005      9.99        11.17        0.00    
                                                                                2006     11.17        12.79        0.00    
                                                                                2007     12.79        13.07        0.00    
                                                                                2008     13.07         7.70        0.00    
                                                                                2009      7.70        10.02        0.00    
                                                                                2010     10.02        11.47        0.00    

MetLife Conservative Allocation Investment Division/(e)/....................... 2005      9.99        10.32        0.00    
                                                                                2006     10.32        10.92        0.00    
                                                                                2007     10.92        11.40        0.00    
                                                                                2008     11.40         9.66        0.00    
                                                                                2009      9.66        11.52        0.00    
                                                                                2010     11.52        12.55        0.00    

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                                                                           Beginning of               Number of  
                                                                               Year     End of Year  Accumulation
                                                                           Accumulation Accumulation Units End of
Investment Division                                                   Year  Unit Value   Unit Value      Year    
-------------------                                                   ---- ------------ ------------ ------------
                                                                                                                 
MetLife Conservative to Moderate Allocation Investment Division/(e)/. 2005    $ 9.99       $10.54        0.00    
                                                                      2006     10.54        11.41        0.00    
                                                                      2007     11.41        11.83        0.00    
                                                                      2008     11.83         9.18        0.00    
                                                                      2009      9.18        11.24        0.00    
                                                                      2010     11.24        12.40        0.00    

MetLife Moderate Allocation Investment Division/(e)/................. 2005      9.99        10.77        0.00    
                                                                      2006     10.77        11.92        0.00    
                                                                      2007     11.92        12.31        0.00    
                                                                      2008     12.31         8.69        0.00    
                                                                      2009      8.69        10.88        0.00    
                                                                      2010     10.88        12.19        0.00    

MetLife Moderate to Aggressive Allocation Investment Division/(e)/... 2005      9.99        11.00        0.00    
                                                                      2006     11.00        12.43        0.00    
                                                                      2007     12.43        12.77        0.00    
                                                                      2008     12.77         8.20        0.00    
                                                                      2009      8.20        10.47        0.00    
                                                                      2010     10.47        11.89        0.00    

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METLIFE FINANCIAL FREEDOM SELECT  
LOWEST POSSIBLE MIX 
0.50 SEPARATE ACCOUNT CHARGE  

                                                        [Enlarge/Download Table]

                                                                                       Beginning of               Number of  
                                                                                           Year     End of Year  Accumulation
                                                                                       Accumulation Accumulation Units End of
Investment Division                                                               Year  Unit Value   Unit Value      Year    
-------------------                                                               ---- ------------ ------------ ------------
                                                                                                                             
American Funds Balanced Allocation Investment Division (Class C)/(i)/............ 2008   $ 10.00      $  7.05      24,750.54 
                                                                                  2009      7.05         9.08      81,951.16 
                                                                                  2010      9.08        10.13     103,758.85 

American Funds Bond Investment Division (Class 2)/(f)(j)/........................ 2006     15.71        16.57          38.30 
                                                                                  2007     16.57        16.99         214.16 
                                                                                  2008     16.99        15.29         660.66 
                                                                                  2009     15.29        17.08       1,336.34 
                                                                                  2010     17.08        18.05       2,534.47 

American Funds Global Small Capitalization Investment Division (Class 2)/(a)(j)/. 2002     12.49        11.14           0.00 
                                                                                  2003     11.14        16.98           0.00 
                                                                                  2004     16.98        20.38           0.00 
                                                                                  2005     20.38        25.36           0.00 
                                                                                  2006     25.36        31.22         113.76 
                                                                                  2007     31.22        37.63         856.44 
                                                                                  2008     37.63        17.35       3,133.92 
                                                                                  2009     17.35        27.79       4,838.18 
                                                                                  2010     27.79        33.76       6,471.12 

American Funds Growth Allocation Investment Division (Class C)/(i)/.............. 2008      9.99         6.40         446.85 
                                                                                  2009      6.40         8.53      49,924.20 
                                                                                  2010      8.53         9.64     102,918.27 

American Funds Growth Investment Division (Class 2)/(a)(j)/...................... 2002     99.81        96.73           0.00 
                                                                                  2003     96.73       131.34           0.00 
                                                                                  2004    131.34       146.65           0.00 
                                                                                  2005    146.65       169.12           0.00 
                                                                                  2006    169.12       185.01          36.25 
                                                                                  2007    185.01       206.30         223.84 
                                                                                  2008    206.30       114.72       1,187.81 
                                                                                  2009    114.72       158.74       2,868.42 
                                                                                  2010    158.74       186.99       4,369.26 

American Funds Growth-Income Investment Division (Class 2)/(a)(j)/............... 2002     82.55        77.76           0.00 
                                                                                  2003     77.76       102.21           0.00 
                                                                                  2004    102.21       111.97           0.00 
                                                                                  2005    111.97       117.61           0.00 
                                                                                  2006    117.61       134.49          77.04 
                                                                                  2007    134.49       140.21         682.51 
                                                                                  2008    140.21        86.49         544.54 
                                                                                  2009     86.49       112.66         942.49 
                                                                                  2010    112.66       124.59       1,374.08 

American Funds Moderate Allocation Investment Division (Class C)/(i)/............ 2008     10.01         7.73         114.62 
                                                                                  2009      7.73         9.49      12,910.53 
                                                                                  2010      9.49        10.38      17,709.05 

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                                                                                    Beginning of               Number of  
                                                                                        Year     End of Year  Accumulation
                                                                                    Accumulation Accumulation Units End of
Investment Division                                                            Year  Unit Value   Unit Value      Year    
-------------------                                                            ---- ------------ ------------ ------------
                                                                                                                          
Barclays Capital Aggregate Bond Index Investment Division                                                                 
  (formerly Lehman Brothers(R) Aggregate Bond Index Investment Division)/(a)/. 2002    $12.11       $12.70          0.00  
                                                                               2003     12.70        13.06        260.70  
                                                                               2004     13.06        13.50        254.09  
                                                                               2005     13.50        13.68        358.49  
                                                                               2006     13.68        14.13        475.65  
                                                                               2007     14.13        15.00      1,416.18  
                                                                               2008     15.00        15.76      1,859.57  
                                                                               2009     15.76        16.46      8,539.73  
                                                                               2010     16.46        17.31     16,262.67  

BlackRock Bond Income Investment Division/(a)/................................ 2002     47.90        49.92          0.00  
                                                                               2003     49.92        52.44          0.00  
                                                                               2004     52.44        54.36          0.00  
                                                                               2005     54.36        55.25          0.00  
                                                                               2006     55.25        57.25         16.39  
                                                                               2007     57.25        60.40         82.28  
                                                                               2008     60.40        57.89         93.94  
                                                                               2009     57.89        62.90        250.42  
                                                                               2010     62.90        67.63        393.97  

BlackRock Large Cap Core Investment Division*/(g)/............................ 2007     96.80        98.23          0.00  
                                                                               2008     98.23        61.27          1.72  
                                                                               2009     61.27        72.67        133.27  
                                                                               2010     72.67        81.31        216.26  

BlackRock Large Cap Investment Division                                                                                   
  (formerly BlackRock Investment Trust Investment Division)/(a)(g)/........... 2002     58.86        56.03          0.00  
                                                                               2003     56.03        72.42          0.00  
                                                                               2004     72.42        79.70          0.00  
                                                                               2005     79.70        81.93          0.00  
                                                                               2006     81.93        92.80          0.00  
                                                                               2007     92.80        97.61          0.00  

BlackRock Large Cap Value Investment Division/(a)/............................ 2002      8.62         7.95          0.00  
                                                                               2003      7.95        10.72          0.00  
                                                                               2004     10.72        12.08          0.00  
                                                                               2005     12.08        12.68          0.00  
                                                                               2006     12.68        15.04         64.07  
                                                                               2007     15.04        15.43        650.02  
                                                                               2008     15.43         9.96        504.26  
                                                                               2009      9.96        11.01      2,835.37  
                                                                               2010     11.01        11.93      4,494.17  

BlackRock Legacy Large Cap Growth Investment Division/(a)/.................... 2002     21.83        19.16          0.00  
                                                                               2003     19.16        25.78          0.00  
                                                                               2004     25.78        27.85          0.00  
                                                                               2005     27.85        29.58          0.00  
                                                                               2006     29.58        30.58          0.00  
                                                                               2007     30.58        36.03          0.00  
                                                                               2008     36.03        22.70         10.28  
                                                                               2009     22.70        30.83        146.49  
                                                                               2010     30.83        36.65        207.78  

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                                                        [Enlarge/Download Table]

                                                                    Beginning of               Number of  
                                                                        Year     End of Year  Accumulation
                                                                    Accumulation Accumulation Units End of
Investment Division                                            Year  Unit Value   Unit Value      Year    
-------------------                                            ---- ------------ ------------ ------------
                                                                                                          
BlackRock Legacy Large Cap Growth Investment Division                                                     
  (formerly FI Large Cap Investment Division)/(k)/............ 2006    $18.64       $18.97          0.00  
                                                               2007     18.97        19.58          0.00  
                                                               2008     19.58        10.72         11.38  
                                                               2009     10.72        11.20          0.00  

BlackRock Money Market Investment Division/(b)/............... 2003     26.47        26.47          0.00  
                                                               2004     26.47        26.53          0.00  
                                                               2005     26.53        27.09          0.00  
                                                               2006     27.09        28.18          0.00  
                                                               2007     28.18        29.39          0.00  
                                                               2008     29.39        30.01          0.00  
                                                               2009     30.01        29.93          0.00  
                                                               2010     29.93        29.78          0.00  

Calvert VP SRI Balanced Investment Division                                                               
  (formerly Calvert Social Balanced Investment Division/(a)/). 2002     18.87        18.58          0.00  
                                                               2003     18.58        22.06        125.17  
                                                               2004     22.06        23.77        142.95  
                                                               2005     23.77        24.98        167.71  
                                                               2006     24.98        27.04        186.60  
                                                               2007     27.04        27.65        276.01  
                                                               2008     27.65        18.89      3,248.79  
                                                               2009     18.89        23.55      4,571.12  
                                                               2010     23.55        26.27      4,883.94  

Clarion Global Real Estate Investment Division/(d)/........... 2004      9.99        12.91          0.00  
                                                               2005     12.91        14.55          0.00  
                                                               2006     14.55        19.92        201.14  
                                                               2007     19.92        16.84        862.39  
                                                               2008     16.84         9.77      1,061.77  
                                                               2009      9.77        13.10      1,455.60  
                                                               2010     13.10        15.14      2,152.91  

Davis Venture Value Investment Division/(a)/.................. 2002     23.79        23.25          0.00  
                                                               2003     23.25        30.25          0.00  
                                                               2004     30.25        33.69          0.00  
                                                               2005     33.69        36.88          0.00  
                                                               2006     36.88        41.95        113.38  
                                                               2007     41.95        43.55        617.57  
                                                               2008     43.55        26.21      1,471.02  
                                                               2009     26.21        34.33      3,218.67  
                                                               2010     34.33        38.16      4,953.31  

FI Value Leaders Investment Division/(a)/..................... 2002     21.19        20.22          0.00  
                                                               2003     20.22        25.52          0.00  
                                                               2004     25.52        28.83          0.00  
                                                               2005     28.83        31.68          0.00  
                                                               2006     31.68        35.20         13.46  
                                                               2007     35.20        36.40         15.04  
                                                               2008     36.40        22.05         20.38  
                                                               2009     22.05        26.66         23.32  
                                                               2010     26.66        30.32         26.54  

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                                                                                    Year     End of Year  Accumulation
                                                                                Accumulation Accumulation Units End of
Investment Division                                                        Year  Unit Value   Unit Value      Year    
-------------------                                                        ---- ------------ ------------ ------------
                                                                                                                      
Harris Oakmark International Investment Division/(a)/..................... 2002   $  9.96      $  8.92          0.00  
                                                                           2003      8.92        11.99          0.00  
                                                                           2004     11.99        14.38          0.00  
                                                                           2005     14.38        16.34          0.00  
                                                                           2006     16.34        20.95        261.51  
                                                                           2007     20.95        20.61      1,759.63  
                                                                           2008     20.61        12.12      1,774.01  
                                                                           2009     12.12        18.71      3,111.81  
                                                                           2010     18.71        21.67      4,186.27  

Invesco Small Cap Growth Investment Division                                                                          
  (formerly Met/AIM Small Cap Growth Investment Division/(a)/)............ 2002      8.97         8.56          0.00  
                                                                           2003      8.56        11.83          0.00  
                                                                           2004     11.83        12.53          0.00  
                                                                           2005     12.53        13.50          0.00  
                                                                           2006     13.50        15.34          0.00  
                                                                           2007     15.34        16.95          0.67  
                                                                           2008     16.95        10.33         79.92  
                                                                           2009     10.33        13.76        291.68  
                                                                           2010     13.76        17.28        450.75  

Janus Forty Investment Division/(h)/...................................... 2007    182.83       225.65          9.12  
                                                                           2008    225.65       130.23         95.77  
                                                                           2009    130.23       185.11        270.55  
                                                                           2010    185.11       201.50        408.87  

Lazard Mid Cap Investment Division/(a)/................................... 2002     10.05         9.77          0.00  
                                                                           2003      9.77        12.26          0.00  
                                                                           2004     12.26        13.96          0.00  
                                                                           2005     13.96        15.01          0.00  
                                                                           2006     15.01        17.13          0.00  
                                                                           2007     17.13        16.58          0.00  
                                                                           2008     16.58        10.18        322.27  
                                                                           2009     10.18        13.85        342.85  
                                                                           2010     13.85        16.93        469.62  

Loomis Sayles Small Cap Core Investment Division                                                                      
  (formerly Loomis Sayles Small Cap Investment Divisions)/(a)/............ 2002     20.29        18.60          0.00  
                                                                           2003     18.60        25.25          0.00  
                                                                           2004     25.25        29.21          0.00  
                                                                           2005     29.21        31.00          0.00  
                                                                           2006     31.00        35.91         13.33  
                                                                           2007     35.91        39.88         14.86  
                                                                           2008     39.88        25.37        334.43  
                                                                           2009     25.37        32.80      1,971.39  
                                                                           2010     32.80        41.52      3,210.23  

Loomis Sayles Small Cap Growth Investment Division                                                                    
  (formerly Franklin Templeton Small Cap Growth Investment Division)/(a)/. 2002      6.80         6.33          0.00  
                                                                           2003      6.33         9.11          0.00  
                                                                           2004      9.11        10.08          0.00  
                                                                           2005     10.08        10.47          0.00  
                                                                           2006     10.47        11.43          0.00  
                                                                           2007     11.43        11.86          2.52  
                                                                           2008     11.86         6.93        256.59  
                                                                           2009      6.93         8.94        944.01  
                                                                           2010      8.94        11.68      1,360.10  

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                                                                             Year     End of Year  Accumulation
                                                                         Accumulation Accumulation Units End of
Investment Division                                                 Year  Unit Value   Unit Value      Year    
-------------------                                                 ---- ------------ ------------ ------------
                                                                                                               
Lord Abbett Bond Debenture Investment Division/(a)/................ 2002    $14.02       $14.40          0.00  
                                                                    2003     14.40        17.07          0.00  
                                                                    2004     17.07        18.37          0.00  
                                                                    2005     18.37        18.55          0.00  
                                                                    2006     18.55        20.15         62.94  
                                                                    2007     20.15        21.36        332.67  
                                                                    2008     21.36        17.30        986.45  
                                                                    2009     17.30        23.55      1,214.61  
                                                                    2010     23.55        26.47      1,526.64  

Met/Artisan Mid Cap Value Investment Division                                                                  
  (formerly Harris Oakmark Focused Value Investment Division)/(a)/. 2002     24.46        25.27          0.00  
                                                                    2003     25.27        33.27          0.00  
                                                                    2004     33.27        36.30          0.00  
                                                                    2005     36.30        39.63          0.00  
                                                                    2006     39.63        44.23         32.33  
                                                                    2007     44.23        40.90        141.45  
                                                                    2008     40.90        21.92        305.54  
                                                                    2009     21.92        30.80        199.66  
                                                                    2010     30.80        35.17        249.81  

Met/Franklin Income Investment Division/(i)/....................... 2008      9.99         8.03          0.00  
                                                                    2009      8.03        10.22      3,879.54  
                                                                    2010     10.22        11.37      4,602.93  

Met/Franklin Mutual Shares Investment Division/(i)/................ 2008      9.99         6.64         23.17  
                                                                    2009      6.64         8.25      2,623.80  
                                                                    2010      8.25         9.11      3,197.54  

Met/Franklin Templeton Founding Strategy Investment Division/(i)/.. 2008      9.99         7.07          0.00  
                                                                    2009      7.07         9.05        165.36  
                                                                    2010      9.05         9.91      1,321.99  

Met/Templeton Growth Investment Division/(i)/...................... 2008      9.99         6.61        172.60  
                                                                    2009      6.61         8.72      1,106.76  
                                                                    2010      8.72         9.34        791.20  

MetLife Mid Cap Stock Index Investment Division/(a)/............... 2002      9.11         8.81          0.00  
                                                                    2003      8.81        11.80          0.00  
                                                                    2004     11.80        13.59          0.00  
                                                                    2005     13.59        15.14          0.00  
                                                                    2006     15.14        16.55        127.01  
                                                                    2007     16.55        17.70      1,029.80  
                                                                    2008     17.70        11.21      2,089.70  
                                                                    2009     11.21        15.25      6,709.45  
                                                                    2010     15.25        19.12     10,163.07  

MetLife Stock Index Investment Division/(a)/....................... 2002     31.34        30.03          0.00  
                                                                    2003     30.03        38.21         74.89  
                                                                    2004     38.21        41.93         22.11  
                                                                    2005     41.93        43.55         99.88  
                                                                    2006     43.55        49.91        143.00  
                                                                    2007     49.91        52.13        539.70  
                                                                    2008     52.13        32.54      2,312.11  
                                                                    2009     32.54        40.77      8,761.00  
                                                                    2010     40.77        46.45     13,430.18  

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                                                                            Year     End of Year  Accumulation
                                                                        Accumulation Accumulation Units End of
Investment Division                                                Year  Unit Value   Unit Value      Year    
-------------------                                                ---- ------------ ------------ ------------
                                                                                                              
MFS(R) Research International Investment Division/(a)/............ 2002    $ 7.89       $ 7.41          0.00  
                                                                   2003      7.41         9.74          0.00  
                                                                   2004      9.74        11.58          0.00  
                                                                   2005     11.58        13.42          0.00  
                                                                   2006     13.42        16.90         28.31  
                                                                   2007     16.90        19.05        329.75  
                                                                   2008     19.05        10.92      2,545.89  
                                                                   2009     10.92        14.30     11,760.04  
                                                                   2010     14.30        15.85     17,500.23  

MFS(R) Total Return Investment Division/(a)/...................... 2002     36.66        36.54          0.00  
                                                                   2003     36.54        42.44          0.00  
                                                                   2004     42.44        46.87          0.00  
                                                                   2005     46.87        47.96          0.00  
                                                                   2006     47.96        53.42          8.99  
                                                                   2007     53.42        55.34        276.68  
                                                                   2008     55.34        42.76      1,080.59  
                                                                   2009     42.76        50.33      1,905.01  
                                                                   2010     50.33        54.99      2,596.09  

MFS(R) Value Investment Division/(a)/............................. 2002     10.34        10.03          0.00  
                                                                   2003     10.03        12.51          0.00  
                                                                   2004     12.51        13.83          0.00  
                                                                   2005     13.83        13.54          0.00  
                                                                   2006     13.54        15.87          9.90  
                                                                   2007     15.87        15.16        182.05  
                                                                   2008     15.16        10.00      1,028.33  
                                                                   2009     10.00        12.00     18,675.17  
                                                                   2010     12.00        13.27     30,167.11  

Morgan Stanley EAFE(R) Index Investment Division/(a)/............. 2002      8.13         7.25          0.00  
                                                                   2003      7.25         9.90        284.28  
                                                                   2004      9.90        11.75        246.95  
                                                                   2005     11.75        13.20        365.33  
                                                                   2006     13.20        16.48        428.95  
                                                                   2007     16.48        18.13      1,056.06  
                                                                   2008     18.13        10.42      3,777.69  
                                                                   2009     10.42        13.31      8,912.46  
                                                                   2010     13.31        14.29     16,315.16  

Morgan Stanley Mid Cap Growth Investment Division/(l)/............ 2010     14.49        16.93        333.35  

Morgan Stanley Mid Cap Growth Investment Division                                                             
  (formerly FI Mid Cap Opportunities Investment Division)/(a)(c)/. 2002     11.78        11.39          0.00  
                                                                   2003     11.39        15.23          0.00  
                                                                   2004     15.23        17.70          0.00  
                                                                   2005     17.70        18.78          0.00  
                                                                   2006     18.78        20.85          0.00  
                                                                   2007     20.85        22.43          0.00  
                                                                   2008     22.43         9.94        123.50  
                                                                   2009      9.94        13.21        277.77  
                                                                   2010     13.21        14.34          0.00  

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                                                                          Year     End of Year  Accumulation
                                                                      Accumulation Accumulation Units End of
Investment Division                                              Year  Unit Value   Unit Value      Year    
-------------------                                              ---- ------------ ------------ ------------
                                                                                                            
Neuberger Berman Genesis Investment Division                                                                
  (formerly BlackRock Strategic Value Investment Division)/(a)/. 2002    $12.98       $11.06          0.00  
                                                                 2003     11.06        16.48          0.00  
                                                                 2004     16.48        18.87          0.00  
                                                                 2005     18.87        19.51          0.00  
                                                                 2006     19.51        22.60         24.26  
                                                                 2007     22.60        21.66        118.09  
                                                                 2008     21.66        13.24        254.30  
                                                                 2009     13.24        14.87        545.06  
                                                                 2010     14.87        17.95      6,552.91  

Neuberger Berman Mid Cap Value Investment Division/(a)/......... 2002     14.43        13.83          0.00  
                                                                 2003     13.83        18.74          0.00  
                                                                 2004     18.74        22.88          0.00  
                                                                 2005     22.88        25.48         79.45  
                                                                 2006     25.48        28.19        394.23  
                                                                 2007     28.19        28.95        621.91  
                                                                 2008     28.95        15.13      1,531.52  
                                                                 2009     15.13        22.24      4,224.04  
                                                                 2010     22.24        27.89      6,283.29  

Oppenheimer Capital Appreciation Investment Division/(a)/....... 2002      6.62         6.39          0.00  
                                                                 2003      6.39         8.17          0.00  
                                                                 2004      8.17         8.65          0.00  
                                                                 2005      8.65         9.01          0.00  
                                                                 2006      9.01         9.65          0.00  
                                                                 2007      9.65        10.98        407.76  
                                                                 2008     10.98         5.90      2,455.08  
                                                                 2009      5.90         8.44      3,635.62  
                                                                 2010      8.44         9.19      4,575.46  

PIMCO Inflation Protected Bond Investment Division/(f)/......... 2006     11.29        11.47          0.00  
                                                                 2007     11.47        12.65          0.00  
                                                                 2008     12.65        11.72      3,057.42  
                                                                 2009     11.72        13.76     11,295.13  
                                                                 2010     13.76        14.76     24,345.63  

PIMCO Total Return Investment Division/(a)/..................... 2002     11.05        11.55          0.00  
                                                                 2003     11.55        11.98        269.10  
                                                                 2004     11.98        12.52        264.13  
                                                                 2005     12.52        12.73        683.14  
                                                                 2006     12.73        13.24      1,825.44  
                                                                 2007     13.24        14.17      2,700.88  
                                                                 2008     14.17        14.16      6,189.85  
                                                                 2009     14.16        16.63     13,972.23  
                                                                 2010     16.63        17.90     21,017.74  

RCM Technology Investment Division/(a)/......................... 2002      3.72         3.01          0.00  
                                                                 2003      3.01         4.72          0.00  
                                                                 2004      4.72         4.49         10.00  
                                                                 2005      4.49         4.96          0.00  
                                                                 2006      4.96         5.20         84.02  
                                                                 2007      5.20         6.81        906.70  
                                                                 2008      6.81         3.76      2,186.31  
                                                                 2009      3.76         5.95      4,893.23  
                                                                 2010      5.95         7.56      4,922.19  

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                                                                                                  Beginning of             
                                                                                                      Year     End of Year 
                                                                                                  Accumulation Accumulation
Investment Division                                                                          Year  Unit Value   Unit Value 
-------------------                                                                          ---- ------------ ------------
                                                                                                                           
Russell 2000(R) Index Investment Division/(a)/.............................................. 2002    $10.34       $ 9.62   
                                                                                             2003      9.62        13.95   
                                                                                             2004     13.95        16.30   
                                                                                             2005     16.30        16.91   
                                                                                             2006     16.91        19.79   
                                                                                             2007     19.79        19.35   
                                                                                             2008     19.35        12.77   
                                                                                             2009     12.77        15.97   
                                                                                             2010     15.97        20.11   

SSgA Growth ETF Investment Division (formerly Cyclical Growth ETF Investment Division)/(f)/. 2006     10.76        11.54   
                                                                                             2007     11.54        12.13   
                                                                                             2008     12.13         8.09   
                                                                                             2009      8.09        10.39   
                                                                                             2010     10.39        11.80   

SSgA Growth and Income ETF Investment Division                                                                             
  (formerly Cyclical Growth and Income ETF Investment Division)/(f)/........................ 2006     10.56        11.28   
                                                                                             2007     11.28        11.83   
                                                                                             2008     11.83         8.82   
                                                                                             2009      8.82        10.96   
                                                                                             2010     10.96        12.24   

T. Rowe Price Large Cap Growth Investment Division/(a)/..................................... 2002      9.19         9.00   
                                                                                             2003      9.00        11.71   
                                                                                             2004     11.71        12.78   
                                                                                             2005     12.78        13.53   
                                                                                             2006     13.53        15.19   
                                                                                             2007     15.19        16.50   
                                                                                             2008     16.50         9.52   
                                                                                             2009      9.52        13.55   
                                                                                             2010     13.55        15.74   

T. Rowe Price Mid Cap Growth Investment Division/(a)/....................................... 2002      4.89         4.62   
                                                                                             2003      4.62         6.28   
                                                                                             2004      6.28         7.36   
                                                                                             2005      7.36         8.40   
                                                                                             2006      8.40         8.87   
                                                                                             2007      8.87        10.39   
                                                                                             2008     10.39         6.23   
                                                                                             2009      6.23         9.01   
                                                                                             2010      9.01        11.45   

T. Rowe Price Small Cap Growth Investment Division/(a)/..................................... 2002      9.30         9.14   
                                                                                             2003      9.14        12.82   
                                                                                             2004     12.82        14.16   
                                                                                             2005     14.16        15.60   
                                                                                             2006     15.60        16.09   
                                                                                             2007     16.09        17.53   
                                                                                             2008     17.53        11.11   
                                                                                             2009     11.11        15.32   
                                                                                             2010     15.32        20.53   

                                                        [Enlarge/Download Table]

                                                                                              Number of  
                                                                                             Accumulation
                                                                                             Units End of
Investment Division                                                                              Year    
-------------------                                                                          ------------
                                                                                                         
Russell 2000(R) Index Investment Division/(a)/..............................................       0.00  
                                                                                                 198.40  
                                                                                                 213.35  
                                                                                                 257.65  
                                                                                                 305.88  
                                                                                                 672.23  
                                                                                                 721.11  
                                                                                               2,960.20  
                                                                                               5,629.08  

SSgA Growth ETF Investment Division (formerly Cyclical Growth ETF Investment Division)/(f)/.       0.00  
                                                                                                 127.20  
                                                                                                 407.42  
                                                                                                 864.60  
                                                                                                 987.73  

SSgA Growth and Income ETF Investment Division                                                           
  (formerly Cyclical Growth and Income ETF Investment Division)/(f)/........................       0.00  
                                                                                                 131.14  
                                                                                                 281.44  
                                                                                                 379.11  
                                                                                               2,282.16  

T. Rowe Price Large Cap Growth Investment Division/(a)/.....................................       0.00  
                                                                                                   0.00  
                                                                                                   0.00  
                                                                                                   0.00  
                                                                                                   0.00  
                                                                                                   3.77  
                                                                                                 642.35  
                                                                                               1,826.57  
                                                                                               3,103.08  

T. Rowe Price Mid Cap Growth Investment Division/(a)/.......................................       0.00  
                                                                                                   0.00  
                                                                                                   0.00  
                                                                                                 241.09  
                                                                                               1,122.22  
                                                                                               2,065.48  
                                                                                               4,714.53  
                                                                                               9,445.39  
                                                                                              12,663.77  

T. Rowe Price Small Cap Growth Investment Division/(a)/.....................................       0.00  
                                                                                                   0.00  
                                                                                                   0.00  
                                                                                                   0.00  
                                                                                                   3.61  
                                                                                                 281.92  
                                                                                                 145.52  
                                                                                               1,365.08  
                                                                                               1,346.56  

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                                                                                         Year     End of Year  Accumulation
                                                                                     Accumulation Accumulation Units End of
Investment Division                                                             Year  Unit Value   Unit Value      Year    
-------------------                                                             ---- ------------ ------------ ------------
                                                                                                                           
Third Avenue Small Cap Value Investment Division/(a)/.......................... 2002    $ 9.04       $ 8.28           0.00 
                                                                                2003      8.28        11.65           0.00 
                                                                                2004     11.65        14.66           0.00 
                                                                                2005     14.66        16.85           0.00 
                                                                                2006     16.85        18.97          41.20 
                                                                                2007     18.97        18.30         130.75 
                                                                                2008     18.30        12.78         912.24 
                                                                                2009     12.78        16.08       2,966.51 
                                                                                2010     16.08        19.19       3,511.63 

Western Asset Management Strategic Bond Opportunities Investment Division/(a)/. 2002     17.21        18.29           0.00 
                                                                                2003     18.29        20.49           0.00 
                                                                                2004     20.49        21.67           0.32 
                                                                                2005     21.67        22.12           0.00 
                                                                                2006     22.12        23.07         158.89 
                                                                                2007     23.07        23.80         591.13 
                                                                                2008     23.80        20.08       1,051.67 
                                                                                2009     20.08        26.35       1,433.95 
                                                                                2010     26.35        29.48       1,920.49 

Western Asset Management U.S. Government Investment Division/(a)/.............. 2002     16.18        16.74           0.00 
                                                                                2003     16.74        16.93         200.32 
                                                                                2004     16.93        17.30         223.79 
                                                                                2005     17.30        17.45         276.73 
                                                                                2006     17.45        18.04         306.37 
                                                                                2007     18.04        18.68         359.83 
                                                                                2008     18.68        18.49         602.55 
                                                                                2009     18.49        19.14         125.48 
                                                                                2010     19.14        20.10         309.10 

MetLife Aggressive Allocation Investment Division/(e)/......................... 2005      9.99        11.21           0.00 
                                                                                2006     11.21        12.91          34.40 
                                                                                2007     12.91        13.26         848.35 
                                                                                2008     13.26         7.86       4,744.66 
                                                                                2009      7.86        10.28      20,892.52 
                                                                                2010     10.28        11.83      28,283.98 

MetLife Conservative Allocation Investment Division/(e)/....................... 2005      9.99        10.36           0.00 
                                                                                2006     10.36        11.02         103.46 
                                                                                2007     11.02        11.57       2,023.63 
                                                                                2008     11.57         9.86       3,573.68 
                                                                                2009      9.86        11.82       5,183.58 
                                                                                2010     11.82        12.95       6,266.53 

MetLife Conservative to Moderate Allocation Investment Division/(e)/........... 2005      9.99        10.58           0.00 
                                                                                2006     10.58        11.52          47.17 
                                                                                2007     11.52        12.01       7,382.99 
                                                                                2008     12.01         9.37      16,140.47 
                                                                                2009      9.37        11.53      31,977.17 
                                                                                2010     11.53        12.79      41,906.67 

MetLife Moderate Allocation Investment Division/(e)/........................... 2005      9.99        10.81           0.00 
                                                                                2006     10.81        12.03         607.21 
                                                                                2007     12.03        12.49      16,503.39 
                                                                                2008     12.49         8.87      89,441.25 
                                                                                2009      8.87        11.16     160,538.96 
                                                                                2010     11.16        12.57     237,902.02 

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                                                                         Beginning of               Number of  
                                                                             Year     End of Year  Accumulation
                                                                         Accumulation Accumulation Units End of
Investment Division                                                 Year  Unit Value   Unit Value      Year    
-------------------                                                 ---- ------------ ------------ ------------
                                                                                                               
MetLife Moderate to Aggressive Allocation Investment Division/(e)/. 2005    $ 9.99       $11.04           0.00 
                                                                    2006     11.04        12.54       1,036.87 
                                                                    2007     12.54        12.96      30,136.44 
                                                                    2008     12.96         8.37     101,740.66 
                                                                    2009      8.37        10.75     193,138.01 
                                                                    2010     10.75        12.27     244,089.93 

-----------                                                                     

(a)The inception date for the Deferred Annuities was July 12, 2002.             
(b)Inception Date: May 1, 2003.                                                 
(c)The investment division with the name FI Mid Cap Opportunities was merged    
 into the Janus Mid Cap Investment Division prior to the opening of business
May 3, 2004, and was renamed FI Mid Cap Opportunities. The investment     
 division with the name FI Mid Cap Opportunities on April 30, 2004 ceased to
exist. The accumulation unit values history prior to May 1, 2004 is of the
investment division which no longer exists.                               
(d)Inception Date: May 1, 2004.                                                 
(e)Inception Date: May 1, 2005.                                                 
(f)Inception Date: May 1, 2006.                                                 
(g)The assets of BlackRock Large Cap Investment Division (formerly BlackRock    
Investment Trust Investment Division) of the Metropolitan Fund were merged
into the BlackRock Large Cap Core Investment Division of the Met Investors
  Fund on April 30, 2007. Accumulation unit values prior to April 30, 2007 are
those of the BlackRock Large Cap Investment Division.                     
(h)Inception date: April 30, 2007.                                              
(i)Inception date: April 28, 2008.                                              
(j)The accumulation unit values for American Funds Bond, American Funds         
Growth-Income, American Funds Growth and American Funds Global            
Capitalization Investment Divisions are calculated with an additional .25%
 separate account charge as indicated in the Separate Account Charge section
of the Table of Expenses.                                                 
(k)The assets of FI Large Cap Investment Division of the Metropolitan Fund were 
  merged into the BlackRock Legacy Large Cap Growth Investment Division of the
Metropolitan Fund on May 1, 2009. Accumulation unit values prior to May 1,
2009 are those of the FI Large Cap Investment Division.                   
(l)The assets of FI Mid Cap Opportunities Investment Division were merged into  
this investment division on May 3, 2010. Accumulation unit values prior to
May 3, 2010 are those of FI Mid Cap Opportunities Investment Division     
* We are waiving a portion of the Separate Account charge for the investment    
division investing in the BlackRock Large Cap Core Portfolio. Please see the
Table of Expenses for more information.                                     

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APPENDIX IV                                                                     

PORTFOLIO LEGAL AND MARKETING NAMES                                             

                                                        [Enlarge/Download Table]


SERIES FUND/TRUST  LEGAL NAME OF PORTFOLIO SERIES    MARKETING NAME                                 
                                                                                                    
  American Funds   Bond Fund                         American Funds Bond Fund                       
  Insurance                                                                                         
  Series(R)                                                                                         
  American Funds   Global Small Capitalization Fund  American Funds Global Small Capitalization Fund
  Insurance                                                                                         
  Series(R)                                                                                         
  American Funds   Growth - Income Fund              American Funds Growth-Income Fund              
  Insurance                                                                                         
  Series(R)                                                                                         
  American Funds   Growth Fund                       American Funds Growth Fund                     
  Insurance                                                                                         
  Series(R)                                                                                         

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APPENDIX V                                                                      

ADDITIONAL INFORMATION REGARDING THE PORTFOLIOS                                 

The Portfolio below was subject to a merger. The chart identifies the former    
name and new name of this Portfolio.                                            

PORTFOLIO MERGER                                                                

                                                                [Download Table]


FORMER PORTFOLIO          NEW PORTFOLIO                          
                                                                 
  METROPOLITAN FUND       MET INVESTORS FUND                     
    MetLife                 MetLife Aggressive Strategy Portfolio
  Aggressive                                                     
  Allocation                                                     
  Portfolio                                                      

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Request For a Statement of  
Additional Information/Change of Address  

If you would like any of the following Statements of Additional Information, or 
have changed your address, please check the appropriate box below and return to 
the address below.                                                              

[_] Metropolitan Life Separate Account E                                        

[_] Metropolitan Series Fund, Inc.                                              

[_] Met Investors Series Trust                                                  

[_] American Funds Insurance Series(R)                                          

[_] Calvert VP SRI Balanced Portfolio                                           

[_] I have changed my address. My current address is:                           

_________________  Name ___ 
(Contract Number)           

                 Address

_________________         _ 
  (Signature)          zip

Metropolitan Life Insurance Company                                             
P.O. Box 10342                                                                  
Des Moines, IA 50306-0342                                                       

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METROPOLITAN LIFE INSURANCE COMPANY 
METROPOLITAN LIFE SEPARATE ACCOUNT E  

METLIFE FINANCIAL FREEDOM SELECT(R) VARIABLE ANNUITY CONTRACTS  

STATEMENT OF ADDITIONAL INFORMATION 

FORM N-4 PART B 

May 1, 2011 

This Statement of Additional Information is not a prospectus but contains 
information in addition to and more detailed than that set forth in the         
Prospectus for MetLife Financial Freedom Select Annuity Contracts dated May 1,  
2011 and should be read in conjunction with the Prospectus. Copies of the       
Prospectus may be obtained from Metropolitan Life Insurance Company, P.O. Box   
10342, Des Moines, IA 50306-0342.                                               

  A Statement of Additional Information for the Metropolitan Series Fund, Inc.
(Metropolitan Fund), the Met Investors Series Trust (Met Investors Fund), the   
Calvert Social Balanced Portfolio and the American Funds Insurance Series(R)    
(American Funds(R)) are attached at the end of this Statement of Additional     
Information.                                                                    

Unless otherwise indicated, the Statement of Additional Information       
continues the use of certain terms as set forth in the section entitled         
Important Terms You Should Know of the Prospectus for MetLife Financial Freedom 
Select Variable Annuity Contracts dated May 1, 2011.                            

TABLE OF CONTENTS 

                                                        [Enlarge/Download Table]

                                                                                           PAGE
                                                                                           ----
                                                                                               

Independent Registered Public Accounting Firm.............................................   2 

Principal Underwriter.....................................................................   2 

Distribution and Principal Underwriting Agreement.........................................   2 

Experience Factor.........................................................................   3 

Variable Income Payments..................................................................   3 

Calculating the Annuity Unit Value........................................................   5 

Advertisement of the Separate Account.....................................................   6 

Voting Rights.............................................................................   9 

ERISA.....................................................................................  10 

Taxes.....................................................................................  11 

Withdrawals...............................................................................  12 

Accumulation Unit Value Tables............................................................  13 

Financial Statements of Separate Account..................................................   1 

Financial Statements of MetLife........................................................... F-1 

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INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 

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

  The consolidated financial statements of Metropolitan Life Insurance Company
and subsidiaries (the "Company"), 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   
(which report expresses an unqualified opinion on the consolidated financial    
statements and includes an explanatory paragraph referring to changes in the    
Company's method of accounting for the recognition and presentation of          
other-than-temporary impairment losses for certain investments as required by   
accounting guidance adopted on April 1, 2009, and its method of accounting for  
certain assets and liabilities to a fair value measurement approach as required 
by accounting guidance adopted on January 1, 2008). Such financial statements   
have been so 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 Two World Financial  
Center, New York, New York 10281-1414.                                          

PRINCIPAL UNDERWRITER 

MetLife Investors Distribution Company ("MLIDC") serves as principal      
underwriter for the Separate Account and the Contracts. The offering is         
continuous. MLIDC's principal executive offices are located at 5 Park Plaza,    
Suite 1900, Irvine, CA 92614. MLIDC is affiliated with the Company and the      
Separate Account.                                                               

DISTRIBUTION AND PRINCIPAL UNDERWRITING AGREEMENT 

Information about the distribution of the Contracts is contained in the   
Prospectus (see "Who Sells the Deferred Annuities"). Additional information is  
provided below.                                                                 

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

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

UNDERWRITING COMMISSIONS  

                                                                [Download Table]

                     UNDERWRITING COMMISSIONS PAID   AMOUNT OF UNDERWRITING   
                       TO THE DISTRIBUTOR BY THE   COMMISSIONS RETAINED BY THE
YEAR                            COMPANY                    DISTRIBUTOR        
----                 ----------------------------- ---------------------------
                                                                              
2010................         $371,735,947                      $0             
2009................         $299,186,809                      $0             
2008................         $276,062,140                      $0             

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EXPERIENCE FACTOR 

We use the term "experience factor" to describe the investment performance
for an investment division. We calculate Accumulation Unit Values once a day on 
every day the New York Stock Exchange is open for trading. We call the time     
between two consecutive Accumulation Unit Value calculations the "Valuation     
Period". We have the right to change the basis for the Valuation Period, on 30  
days' notice, as long as it is consistent with law. All purchase payments and   
transfers are valued as of the end of the Valuation Period during which the     
transaction occurred. The experience factor changes from Valuation Period to    
Valuation Period to reflect the upward or downward performance of the assets in 
the underlying Portfolios. The experience factor is calculated as of the end of 
each Valuation Period using the net asset value per share of the underlying     
Portfolio. The net asset value includes the per share amount of any dividend or 
capital gain distribution paid by the Portfolio during the current Valuation    
Period, and subtracts any per share charges for taxes and reserve for taxes. We 
then divide that amount by the net asset value per share as of the end of the   
last Valuation Period to obtain a factor that reflects investment performance.  
We then subtract a charge for each day in the valuation period which is the     
daily equivalent of the Separate Account charge. This charge varies, depending  
on the class of the Deferred Annuity. Below is a chart of the daily factors for 
each class of the Deferred Annuity and the various death benefits.              

Separate Account Charges for all investment divisions except the American 
Funds Growth-Income, the American Funds Growth and the American Funds Global    
Small Capitalization (Daily Factor)                                             

                                                        [Enlarge/Download Table]

                                                                                     EBONUS CLASS
                                          B CLASS    C CLASS    L CLASS    E CLASS   (YEARS 1-7)*
                                         ---------- ---------- ---------- ---------- ------------
                                                                                                 
Standard Death Benefit.................. .000031507 .000039726 .000035616 .000013699  .000026027 
Annual Step Up Death Benefit............ .000034247 .000042466 .000038356 .000016438  .000028767 

Separate Account Charges for the American Funds Growth-Income, American   
Funds Growth and American Funds Global Small Capitalization Investment          
Divisions (Daily Factor)                                                        

                                                        [Enlarge/Download Table]

                                                                                     BONUS CLASS 
                                          B CLASS    C CLASS    L CLASS    E CLASS   (YEARS 1-7)*
                                         ---------- ---------- ---------- ---------- ------------
                                                                                                 
Standard Death Benefit.................. .000038356 .000046575 .000042466 .000020548  .000032877 
Annual Step Up Benefit.................. .000041096 .000049315 .000045205 .000023288  .000035616 

--------                                                                        
*  Applies only for the first seven years; Separate Account charges are reduced 
after seven years to those of e Class.                                    

VARIABLE INCOME PAYMENTS  

ASSUMED INVESTMENT RETURN (AIR) 

The following discussion concerning the amount of variable income payments
is based on an Assumed Investment Return of 4% per year. It should not be       
inferred that such rates will bear any relationship to the actual net           
investment experience of the Separate Account.                                  

AMOUNT OF INCOME PAYMENTS 

The cash you receive periodically from an investment division (after your 
first payment if paid within 10 days of the issue date) will depend upon the    
number of annuity units held in that investment division (described below) and  
the Annuity Unit Value (described later) as of the 10th day prior to a payment  
date.                                                                           

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The Deferred Annuity specifies the dollar amount of the initial variable  
income payment for each investment division (this equals the first payment      
amount if paid within 10 days of the issue date). This initial variable income  
payment is computed based on the amount of the purchase payment applied to the  
specific investment division (net any applicable premium tax owed or Contract   
charge), the AIR, the age of the measuring lives and the income payment type    
selected. The initial payment amount is then divided by the Annuity Unit Value  
for the investment division to determine the number of annuity units held in    
that investment division. The number of annuity units held remains fixed for    
the duration of the Contract if no reallocations are made.                      

 The dollar amount of subsequent variable income payments will vary with the
amount by which investment performance is greater or less than the AIR and      
Separate Account charges.                                                       

Each Deferred Annuity provides that, when a pay-out option is chosen, the 
payment will not be less than the payment produced by the then current Fixed    
Income Option purchase rates for that contract class, which will not be less    
than the rates used for a currently issued single payment immediate annuity     
contract. The purpose of this provision is to assure that, at retirement, if    
the Fixed Income Option purchase rates for contracts are significantly more     
favorable than the rates guaranteed by a Deferred Annuity of the same class,    
the annuitant will be given the benefit of the higher rates. Although           
guaranteed annuity rates for the eBonus Class are the same as for the other     
classes of the Deferred Annuity, current rates for the eBonus Class may be      
lower than the other classes of the Deferred Annuity and may be less than       
currently issued contract rates.                                                

ANNUITY UNIT VALUE  

 The Annuity Unit Value is calculated at the same time that the Accumulation
Unit Value for Deferred Annuities is calculated and is based on the same change 
in investment performance in the Separate Account. (See The Value of Your       
Income Payment in the Prospectus.)                                              

REALLOCATION PRIVILEGE  

When you request a reallocation from an investment division to the Fixed  
Income Option, the payment amount will be adjusted at the time of reallocation. 
Your payment may either increase or decrease due to this adjustment. The        
adjusted payment will be calculated in the following manner.                    

.   First, we update the income payment amount to be reallocated from the   
   investment division based upon the applicable Annuity Unit Value at the
time of the reallocation;                                           

.   Second, we use the AIR to calculate an updated annuity purchase rate    
   based upon your age, if applicable, and expected future income payments
at the time of the reallocation;                                    

.   Third, we calculate another updated annuity purchase rate using our     
     current annuity purchase rates for the Fixed Income Option on the date of
your reallocation;                                                  

.   Finally, we determine the adjusted payment amount by multiplying the    
  updated income amount determined in the first step by the ratio of the
annuity purchase rate determined in the second step divided by the  
annuity purchase rate determined in the third step.                 

When you request a reallocation from one investment division to another,  
annuity units in one investment division are liquidated and annuity units in    
the other investment division are credited to you. There is no adjustment to    
the income payment amount. Future income payment amounts will be determined     
based on the Annuity Unit Value for the investment division to which you have   
reallocated.                                                                    

 You generally may make a reallocation on any day the Exchange is open. At a
future date we may limit the number of reallocations you may make, but never to 
fewer than one a month. If we do so, we will give you advance written notice.   
We may limit a beneficiary's ability to make a reallocation.                    

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Here are examples of the effect of a reallocation on the income payment:  

.   Suppose you choose to reallocate 40% of your income payment supported by
 investment division A to the Fixed Income Option and the recalculated
  income payment supported by investment division A is $100. Assume that
 the updated annuity purchase rate based on the AIR is $125, while the
  updated annuity purchase rate based on fixed income annuity pricing is
     $100. In that case, your income payment from the Fixed Income Option will
be increased by $40 x ($125 / $100) or $50, and your income payment 
    supported by investment division A will be decreased by $40. (The number
 of annuity units in investment division A will be decreased as well.)

.   Suppose you choose to reallocate 40% of your income payment supported by
investment division A to investment division B and the recalculated 
 income payment supported by investment division A is $100. Then, your
  income payment supported by investment division B will be increased by
  $40 and your income payment supported by investment division A will be
 decreased by $40. (Changes will also be made to the number of annuity
units in both investment divisions as well.)                        

CALCULATING THE ANNUITY UNIT VALUE  

 We calculate Annuity Unit Values once a day on every day the New York Stock
Exchange is open for trading. We call the time between two consecutive Annuity  
Unit Value calculations the Valuation Period. We have the right to change the   
basis for the Valuation Period, on 30 days' notice, as long as it is consistent 
with the law. All purchase payments and reallocations are valued as of the end  
of the Valuation Period during which the transaction occurred. The Annuity Unit 
Values can increase or decrease, based on the investment performance of the     
corresponding underlying Portfolios. If the investment performance is positive, 
after payment of Separate Account expenses and the deduction for the AIR,       
Annuity Unit Values will go up. Conversely, if the investment performance is    
negative, after payment of Separate Account expenses and the deduction for the  
AIR, Annuity Unit Values will go down.                                          

 To calculate an Annuity Unit Value, we first multiply the experience factor
for the period by a factor based on the AIR and the number of days in the       
Valuation Period. For an AIR of 4% and a one day Valuation Period, the factor   
is .99989255, which is the daily discount factor for an effective annual rate   
of 4%. (The AIR may be in the range of 3% to 6%, as defined in your Deferred    
Annuity and the laws in your state.) The resulting number is then multiplied by 
the last previously calculated Annuity Unit Value to produce the new Annuity    
Unit Value.                                                                     

The following illustrations show, by use of hypothetical examples, the    
method of determining the Annuity Unit Value and the amount of variable income  
payments upon annuitization.                                                    

ILLUSTRATION OF CALCULATION OF ANNUITY UNIT VALUE 

                                                                [Download Table]
                                                             
1. Annuity Unit Value, beginning of period........ $ 10.20000
2. Experience factor for period...................   1.023558
3. Daily adjustment for 4% of Assumed Investment             
  Return..........................................  .99989255
4. (2) X (3)......................................   1.023448
5. Annuity Unit Value, end of period (1) X (4).... $ 10.43917

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ILLUSTRATION OF ANNUITY PAYMENTS  
(ASSUMES THE FIRST MONTHLY PAYMENT IS MADE WITHIN 10 DAYS OF THE ISSUE DATE OF  
THE PAYOUT) 
ANNUITANT AGE 65, LIFE ANNUITY WITH 120 PAYMENTS GUARANTEED 

                                                                [Download Table]
                                                             
1. Number of Accumulation Units as of Annuity Date   1,500.00
2. Accumulation Unit Value........................ $ 11.80000
3. Accumulation Unit Value of the Deferred                   
  Annuity (1) X (2)............................... $17,700.00
4. First monthly income payment per $1,000 of                
  Accumulation Value.............................. $     5.63
5. First monthly income payment (3) X (4) / 1,000. $    99.65
6. Annuity Unit Value as of Annuity Date equal to. $ 10.80000
7. Number of Annuity Units (5) / (6)..............     9.2269
8. Assume Annuity Unit Value for the second month            
  equal to (10 days prior to payment)............. $ 10.97000
9. Second monthly Annuity Payment (7) X (8)....... $   101.22
10. Assume Annuity Unit Value for third month                
  equal to........................................ $ 10.52684
11. Next monthly Annuity Payment (7) X (10)....... $    97.13

DETERMINING THE VARIABLE INCOME PAYMENT 

Variable income payments can go up or down based upon the investment      
performance of the investment divisions in the Separate Account. AIR is the     
rate used to determine the first variable income payment and serves as a        
benchmark against which the investment performance of the investment divisions  
is compared. The higher the AIR, the higher the first variable income payment   
will be. Subsequent variable income payments increase only to the extent that   
the investment performance of the investment divisions exceeds the AIR (and     
Separate Account charges). Variable income payments will decline if the         
investment performance of the Separate Account does not exceed the AIR (and     
Separate Account charges). A lower AIR will result in a lower first variable    
income payment, but variable income payments will increase more rapidly or      
decline more slowly due to investment performance of the investment divisions.  

ADVERTISEMENT OF THE SEPARATE ACCOUNT 

From time to time we advertise the performance of various Separate Account
investment divisions. For the investment divisions, this performance will be    
stated in terms of either "yield", "change in Accumulation Unit Value", "change 
in Annuity Unit Value" or "average annual total return" or some combination of  
the foregoing. Yield, change in Accumulation Unit Value, change in Annuity Unit 
Value and average annual total return figures are based on historical earnings  
and are not intended to indicate future performance. Yield figures quoted in    
advertisements state the net income generated by an investment in a particular  
investment division for a thirty-day period or month, which is specified in the 
advertisement, and then expressed as a percentage yield of that investment.     
Yield is calculated by dividing the net investment income per share earned      
during the period by the maximum offering price per share on the last day of    
the period, according to this formula 2[(a-b/cd+ 1)/6/-1], where "a" represents 
dividends and interest earned during the period; "b" represents expenses        
accrued for the period (net of reimbursements); "c" represents the average      
daily number of shares outstanding during the period that were entitled to      
receive dividends; and "d" represents the maximum offering price per share on   
the last day of the period. This percentage yield is then compounded            
semiannually. We also quote yield on a seven day basis for the money market     
division. Change in Accumulation Unit Value or Annuity Unit Value               
("Non-Standard Performance") refers to the comparison between values of         
accumulation units or annuity units over specified periods in which an          
investment division has been in operation, expressed as a percentages and may   
also be expressed as an annualized figure. In addition, change in Accumulation  
Unit Value or Annuity Unit Value may be used to illustrate performance for a    
hypothetical investment (such as $10,000) over the time period specified.       
Change in Accumulation Unit Value is expressed by this formula                  
[UV\1\,/UV\0\)/(annualization factor)/]-1, where UV, represents the current     
unit value and UV\0\ represents the prior unit value. The annualization factor  

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can be either (1/number of years) or (365/number of days). Yield and change in  
Accumulation Unit Value figures do not reflect the possible imposition of a     
withdrawal charge for the Deferred Annuities, of up to 9% (generally) of the    
amount withdrawn attributable to a purchase payment, which may result in a      
lower figure being experienced by the investor. Average annual total return     
differs from the change in Accumulation Unit Value and Annuity Unit Value       
because it assumes a steady rate of return and reflects all expenses and        
applicable withdrawal charges. Average annual total return is calculated by     
finding the average annual compounded rates of return over the 1-, 5-, and      
10-year periods that would equate the initial amount invested to the ending     
redeemable value, according to this formula P(1 + T)/n/ = ERV, where "P"        
represents a hypothetical initial payment of $1,000; "T" represents average     
annual total return; "n" represents number of years; and "ERV" represents       
ending redeemable value of a hypothetical $1,000 payment made at the beginning  
of the 1-, 5-, or 10-year periods at the end of the 1-, 5-, or 10-year period   
(or fractional portion). Performance figures will vary among the various        
Deferred Annuities as a result of different Separate Account charges and        
withdrawal charges.                                                             

Average Annual total return ("Standard Performance") calculations reflect 
the Separate Account charge with the Standard Death Benefit, the additional     
Separate Account charge for the American Funds investment divisions and the     
Annual Contract Fee and applicable withdrawal charges since the investment      
division inception date, which is the date the corresponding Portfolio or       
Predecessor Portfolio was first offered under the Separate Account that funds   
the Deferred Annuity.                                                           

Performance may be calculated based upon historical performance of the    
underlying Portfolios of the Metropolitan Fund, Met Investors Fund, the Calvert 
Fund and American Funds and may assume that the Deferred Annuities were in      
existence prior to their inception date. After the investment division          
inception date, actual accumulation unit or annuity unit data is used.          

Advertisements regarding the Separate Account may contain comparisons of  
hypothetical after-tax returns of currently taxable investments versus returns  
of tax deferred investments. From time to time, the Separate Account may        
compare the performance of its investment divisions with the performance of     
common stocks, long-term government bonds, long-term corporate bonds,           
intermediate-term government bonds, Treasury Bills, certificates of deposit and 
savings accounts. The Separate Account may use the Consumer Price Index in its  
advertisements as a measure of inflation for comparison purposes. From time to  
time, the Separate Account may advertise its performance ranking among similar  
investments or compare its performance to averages as compiled by independent   
organizations, such as Lipper Analytical Services, Inc., Morningstar, Inc.,     
VARDS(R) and The Wall Street Journal. The Separate Account may also advertise   
its performance in comparison to appropriate indices, such as the Standard &    
Poor's 500 Composite Stock Price Index, the Standard & Poor's Mid Cap 400       
Index, the Standard & Poor's Small Cap 600 Index, the Russell 2000(R) Index,    
the Russell Mid Cap Growth Index, the Russell 2500(TM) Growth Index, the        
Russell 2000(R) Growth Index, the Russell 2000(R) Value Index, the Russell      
1000(R) Growth Index, the Barclays Capital Aggregate Bond Index, the Barclays   
Capital Government/Corporate Bond Index, the Merrill Lynch High Yield Bond      
Index, the Morgan Stanley Capital International All Country World Index, the    
Salomon Smith Barney World Small Cap Index and the Morgan Stanley Capital       
International Europe, Australasia, Far East Index.                              

Performance may be shown for certain investment strategies that are made  
available under the Deferred Annuities. The first is the "Equity Generator."    
Under the "Equity Generator," an amount equal to the interest earned during a   
specified interval (i.e., monthly, quarterly) in the Fixed Interest Account is  
transferred to an investment division. The second strategy is the "Index        
Selector/SM/". Under this strategy, once during a specified period (i.e.,       
quarterly, annually) transfers are made among the Lehman Brothers(R) Aggregate  
Bond Index, MetLife Stock Index, Morgan Stanley EAFE(R) Index, Russell 2000(R)  
Index and MetLife Mid Cap Stock Index Divisions and the Fixed Interest Account  
(or, if the models are available where the Fixed Interest Account is not made   
available, the BlackRock Money Market Division) in order to bring the           
percentage of the total Account Balance in each of these investment divisions   
and Fixed Interest Account back to the current allocation of your choice of one 
of several asset allocation models. The elements which form the basis of the    
models are provided by MetLife which may rely on a third party for its          
expertise in creating appropriate allocations. The models are designed to       
correlate to various risk tolerance levels associated with investing and are    
subject to change from time to time.                                            

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An Equity Generator Return or Index Selector Return for a model will be   
calculated by presuming a certain dollar value at the beginning of a period and 
comparing this dollar value with the dollar value, based on historical          
performance, at the end of the period, expressed as a percentage. The Return in 
each case will assume that no withdrawals or other unrelated transactions have  
occurred. We assume the Separate Account charge reflects the Standard Death     
Benefit. The information does not assume the charges for the Guaranteed Minimum 
Income Benefit. We may also show Index Selector investment strategies using     
other investment divisions for which these strategies are made available in the 
future. If we do so, performance will be calculated in the same manner as       
described above, using the appropriate account and/or investment divisions.     

 For purposes of presentation of Non-Standard Performance, we may assume the
Deferred Annuities were in existence prior to the inception date of the         
investment divisions in the Separate Account that funds the Deferred Annuity.   
In these cases, we calculate performance based on the historical performance of 
the underlying Metropolitan Fund, Met Investors Fund, the Calvert Fund and      
American Funds Portfolios since the Portfolio inception date. We use the actual 
accumulation unit or annuity unit data after the inception date. Any            
performance data that includes all or a portion of the time between the         
Portfolio inception date and that investment division inception date is         
hypothetical. Hypothetical returns indicate what the performance data would     
have been if the Deferred Annuities had been introduced as of the Portfolio     
inception date.                                                                 

We may also present average annual total return calculations which reflect
all Separate Account charges and applicable withdrawal charges since the        
Portfolio inception date. We use the actual accumulation unit or annuity unit   
data after the inception date. Any performance data that includes all or a      
portion of the terms between the Portfolio inception date and the investment    
division inception date is hypothetical. Hypothetical returns indicate what the 
performance data would have been if the Deferred Annuity had been introduced as 
of the Portfolio inception date.                                                

Past performance is no guarantee of future results.                       

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

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

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

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

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

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

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

VOTING RIGHTS 

 In accordance with our view of the present applicable law, we will vote the
shares of each of the Portfolios held by the Separate Account (which are deemed 
attributable to all the Deferred Annuities described in the Prospectus) at      
regular and special meetings of the shareholders of the Portfolio based on      
instructions received from those having voting interests in corresponding       
investment divisions of the Separate Account. However, if the 1940 Act or any   
rules thereunder should be amended or if the present interpretation thereof     
should change, and, as a result, we determine that we are permitted to vote the 
shares of the Portfolios in our own right, we may elect to do so.               

Accordingly, you have voting interests under all the Deferred Annuities   
described in the Prospectus. The number of shares held in each Separate Account 
investment division deemed attributable to you is determined by dividing the    
value of accumulation or annuity units attributable to you in that investment   
division, if any, by the net asset value of one share in the Portfolio in which 
the assets in that Separate Account investment division are invested.           
Fractional votes will be counted. The number of shares for which you have the   
right to give instructions will be determined as of the record date for the     
meeting.                                                                        

 Portfolio shares held in each registered separate account of MetLife or any
affiliate that are or are not attributable to life insurance policies or        
deferred annuities (including all the Deferred Annuities described in the       
Prospectus) and for which no timely instructions are received will be voted in  
the same proportion as the shares for which voting instruction are received by  
that separate account. Portfolio shares held in the general accounts or         
unregistered separate accounts of MetLife or its affiliates will be voted in    
the same proportion as the aggregate of (i) the shares for which voting         
instructions are received and (ii) the shares that are voted in proportion to   
such voting instructions. However, if we or an affiliate determine that we are  
permitted to vote any such shares, in our own right, we may elect to do so      
subject to the then current interpretation of the 1940 Act or any rules         
thereunder.                                                                     

Qualified retirement plans which invest directly in the Portfolio do not  
have voting interests through life insurance or annuity contracts and do not    
vote these interests based upon the number of shares held in the Separate       
Account investment division deemed attributable to those qualified retirement   
plans. Shares are held by the plans themselves and are voted directly; the      
instruction process does not apply.                                             

You will be entitled to give instructions regarding the votes attributable
to your Deferred Annuity, in your sole discretion.                              

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  You may give instructions regarding, among other things, the election of the
board of directors, ratification of the election of an independent registered   
public accounting firm, and the approval of investment and sub-investment       
managers.                                                                       

DISREGARDING VOTING INSTRUCTIONS  

 MetLife may disregard voting instructions under the following circumstances
(1) to make or refrain from making any change in the investments or investment  
policies for any Portfolio if required by any insurance regulatory authority;   
(2) to refrain from making any change in the investment policies for any        
investment manager or principal underwriter or any Portfolio which may be       
initiated by those having voting interests or the Metropolitan Fund's, Met      
Investors Fund's, the Calvert Fund's or American Funds'(R) boards of directors, 
provided MetLife's disapproval of the change is reasonable and, in the case of  
a change in investment policies or investment manager, based on a good faith    
determination that such change would be contrary to state law or otherwise      
inappropriate in light of the Portfolio's objective and purposes; or (3) to     
enter into or refrain from entering into any advisory agreement or underwriting 
contract, if required by any insurance regulatory authority.                    

In the event that MetLife does disregard voting instructions, a summary of
the action and the reasons for such action will be included in the next         
semiannual report.                                                              

ERISA 

If your plan is subject to ERISA (the Employee Retirement Income Security 
Act of 1974) and you are married, the income payments, withdrawal provisions,   
and methods of payment of the death benefit under your Deferred Annuity 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;          

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 a QJSA generally must be 
executed during the 180-day period (90-day period 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.                                                                     

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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.                                                        

TAXES 

403(B)  

In general, contributions to Section 403(b) arrangements are subject to   
limitations under Section 415(c) of the Code (the lesser of 100% of includable  
compensation or the applicable limit for the year).                             

 These contributions (as well as any other salary reduction contributions to
qualified plans of an employer), are also subject to the aggregate annual       
limitation under section 402 (g) of the Internal Revenue Code as shown below:   

                                                                [Download Table]

FOR TAXABLE YEARS BEGINNING IN CALENDAR YEAR  APPLICABLE DOLLAR LIMIT
--------------------------------------------  -----------------------
                                                                     
                   2011......................         $16,500        

The Applicable Dollar Limit under Section 402(g) is increased for eligible
participants in the amount of the permissible age 50 and above catch up         
contributions for the year, which is $5,500 for 2011, regardless of the number  
of plans in which the employee participates.                                    

403(A)  

If your benefit under the 403(a) 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.           
Designating a beneficiary other than your spouse is considered a waiver.        
Waiving these requirements may cause your monthly benefit to increase during    
your lifetime. Special rules apply to the withdrawal of excess contributions.   

SIMPLE IRAS ELIGIBILITY AND CONTRIBUTIONS 

To be eligible to establish a SIMPLE IRA plan, your employer must have no 
more than 100 employees and the SIMPLE IRA plan must be the only tax qualified  
retirement plan maintained by your employer. Many of the same tax rules that    
apply to Traditional IRAs also apply to SIMPLE IRAs. However, the contribution  
limits, premature distribution rules, and rules applicable to eligible          
rollovers and transfers differ as explained below.                              

If you are participating in a SIMPLE IRA plan you may generally make      
contributions which are excluded from your gross income under a qualified       
salary reduction arrangement on a pre-tax basis of the lesser of 100% of        
includable compensation or the limits in the table shown below.                 

                                                                [Download Table]

                            CONTRIBUTION LIMIT FOR "CATCH-UP" FOR TAXPAYERS
FOR TAX YEARS BEGINNING IN  TAXPAYERS UNDER AGE 50     AGE 50 AND OLDER    
--------------------------  ---------------------- ------------------------
                                                                           
          2011.............        $11,500                  $2,500         

Note: the Contribution limit above will be adjusted for inflation.        

 These contributions (as well as any other salary reduction contributions to
qualified plans of an employer), are also subject to the aggregate annual       
limitation under section 402 (g) of the Internal Revenue Code as shown below:   

                                                                [Download Table]

FOR TAXABLE YEARS BEGINNING IN CALENDAR YEAR  APPLICABLE DOLLAR LIMIT
--------------------------------------------  -----------------------
                                                                     
                   2011......................         $16,500        

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You may also make rollovers and direct transfers into your SIMPLE IRA     
annuity contract from another SIMPLE IRA annuity contract or account. No other  
contributions, rollovers or transfers can be made to your SIMPLE IRA.           

 You may not make Traditional IRA contributions or Roth IRA contributions to
your SIMPLE IRA. You may not make eligible rollover contributions from other    
types of qualified retirement plans.                                            

  ROLLOVERS Tax-free rollovers and direct transfers from a SIMPLE IRA can only
be made to another SIMPLE IRA annuity or account during the first two years     
that you participate in the SIMPLE IRA plan. After this two year period,        
tax-free rollovers and transfers may be made from your SIMPLE IRA into a        
Traditional IRA annuity or account a qualified employer plan a section 403(a)   
plan, 403(b) annuity, or a 457(b) plan maintained by a government employer, as  
well as into another SIMPLE IRA or eligible retirement plan.                    

In order to be a tax-free rollover from your SIMPLE IRA, the money must   
generally be transferred into the new SIMPLE IRA (or after two years into a     
Traditional IRA or eligible retirement plan) within 60 days of the distribution.

SIMPLIFIED EMPLOYEE PENSION ("SEP") 

 Rules applicable to Traditional IRA annuities (including purchase payments,
rollovers, minimum distributions, penalty taxes and after death distributions)  
apply to your SEP/IRA annuity.                                                  

457(B) ANNUITY  

The compensation amounts that may be deferred under a 457(b) plan may not 
exceed certain deferral limits established under the Federal tax law. 457(b)    
plans maintained by State or local governmental employers are considered        
eligible retirement plans for purposes of the rollover rules and may also       
accept certain rollover contributions if permitted under the plan. Participants 
in 457(b) plans of state and local governments (but not participants in section 
457(b) plans of Tax--Exempt employers) who attain age 50 prior to the end of    
the taxable year are also eligible to make catch-up contributions under the     
same limitations as apply for participants in Section 403(b) plans. Special     
one-time contribution limitation catch-up elections may also be available to    
participants in Section 457 (b) plans of both governmental and tax--exempt      
employers. Participants in governmental plans may not use both the age 50+      
catch-up and the special one-time catch up in the same taxable year.            

In general, contribution limits with respect to elective deferrals and to 
age 50+ catch-up contributions (under governmental 457 (b) plans) are not       
aggregated with contributions under the other types of qualified plans for      
purposes of determining the limitations applicable to participants.             

WITHDRAWALS 

 We will normally pay withdrawal proceeds within seven days after receipt of
a request for a withdrawal at your Administrative Office, but we may delay      
payment as permitted by law, under certain circumstances. (See "                
Valuation--Suspension of Payments" in the Prospectus). We reserve the right to  
defer payment for a partial withdrawal, withdrawal or transfer from the Fixed   
Interest Account for the period permitted by law, but for not more than six     
months.                                                                         

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ACCUMULATION UNIT VALUE TABLES  

These tables show fluctuations in the Accumulation Unit Values for the    
possible mixes offered in the Deferred Annuity for each investment division     
from year end to year-end (except the highest possible and lowest possible mix  
which are in the prospectus). The information in these tables has been derived  
from the Separate Account's full financial statements or other reports ( such   
as the annual report). The Guaranteed Minimum Income Benefit and Lifetime       
Withdrawal Guarantee Benefit charges are made by canceling accumulation units   
and, therefore, this charge is not reflected in the Accumulation Unit Value.    
However, purchasing this option will result in a higher charge. Lower charges   
for the Guaranteed Minimum Income Benefit and the Lifetime Withdrawal Guarantee 
Benefit were in effect prior to May 4, 2009.                                    

METLIFE FINANCIAL FREEDOM SELECT  
1.45 SEPARATE ACCOUNT CHARGE  

                                                        [Enlarge/Download Table]

                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
American Funds Balanced Allocation Investment Division                                             
  (Class C)/(i)/....................................... 2008   $ 10.00      $  7.01        508.18  
                                                        2009      7.01         8.93      8,668.15  
                                                        2010      8.93         9.88     11,541.53  

American Funds Bond Investment Division (Class                                                     
  2)/(f)(j)/........................................... 2006     14.43        15.11        287.93  
                                                        2007     15.11        15.35      8,944.09  
                                                        2008     15.35        13.68     11,572.04  
                                                        2009     13.68        15.15     10,941.23  
                                                        2010     15.15        15.85     11,794.58  

American Funds Global Small Capitalization Investment                                              
  Division (Class 2)/(a)(j)/........................... 2002     12.00        10.66          5.73  
                                                        2003     10.66        16.09      1,265.00  
                                                        2004     16.09        19.13      1,886.38  
                                                        2005     19.13        23.57      2,642.31  
                                                        2006     23.57        28.75      4,656.61  
                                                        2007     28.75        34.32      7,848.07  
                                                        2008     34.32        15.68      9,770.12  
                                                        2009     15.68        24.87      9,504.55  
                                                        2010     24.87        29.93     10,300.21  

American Funds Growth Allocation Investment Division                                               
  (Class C)/(i)/....................................... 2008      9.99         6.36      2,823.55  
                                                        2009      6.36         8.40      3,506.31  
                                                        2010      8.40         9.39      7,171.39  

American Funds Growth Investment Division (Class                                                   
  2)/(a)(j)/........................................... 2002     83.77        80.82          0.88  
                                                        2003     80.82       108.71        566.83  
                                                        2004    108.71       120.23        983.74  
                                                        2005    120.23       137.35      1,729.74  
                                                        2006    137.35       148.84      3,179.70  
                                                        2007    148.84       164.39      5,620.39  
                                                        2008    164.39        90.54      6,380.64  
                                                        2009     90.54       124.10      6,929.14  
                                                        2010    124.10       144.80      7,667.71  

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
American Funds Growth-Income Investment                                                            
  Division (Class 2)/(a)(j)/........................... 2002   $ 69.29      $ 64.98         62.06  
                                                        2003     64.98        84.60        381.25  
                                                        2004     84.60        91.80        818.54  
                                                        2005     91.80        95.52      1,945.95  
                                                        2006     95.52       108.19      3,512.10  
                                                        2007    108.19       111.72      5,426.65  
                                                        2008    111.72        68.26      5,958.99  
                                                        2009     68.26        88.08      6,910.79  
                                                        2010     88.08        96.49      8,008.38  

American Funds Moderate Allocation Investment Division                                             
  (Class C)/(i)/....................................... 2008     10.01         7.68      3,595.98  
                                                        2009      7.68         9.34     27,879.49  
                                                        2010      9.34        10.12     19,645.81  

Barclays Capital Aggregate Bond Index Investment                                                   
  Division (formerly Lehman Brothers(R) Aggregate Bond                                             
  Index Investment Division)/(a)/...................... 2002     11.69        12.21          2.43  
                                                        2003     12.21        12.44      3,559.54  
                                                        2004     12.44        12.73     15,666.74  
                                                        2005     12.73        12.78     32,769.63  
                                                        2006     12.78        13.08     44,972.08  
                                                        2007     13.08        13.75     50,442.61  
                                                        2008     13.75        14.31     54,029.59  
                                                        2009     14.31        14.81     64,282.95  
                                                        2010     14.81        15.43     66,975.02  

BlackRock Bond Income Investment Division/(a)/......... 2002     40.03        41.53          1.00  
                                                        2003     41.53        43.22        960.63  
                                                        2004     43.22        44.37      1,213.90  
                                                        2005     44.37        44.68      2,842.84  
                                                        2006     44.68        45.86      3,408.53  
                                                        2007     45.86        47.92      3,586.78  
                                                        2008     47.92        45.50      3,744.65  
                                                        2009     45.50        48.96      3,643.94  
                                                        2010     48.96        52.15      3,206.55  

BlackRock Large Cap Core Investment Division*/(g)/..... 2007     77.17        77.81        848.24  
                                                        2008     77.81        48.07        771.02  
                                                        2009     48.07        56.48      1,112.42  
                                                        2010     56.48        62.60      1,346.11  

BlackRock Large Cap Investment Division (formerly                                                  
  BlackRock Investment Trust Investment                                                            
  Division)/(a)(g)/.................................... 2002     49.11        46.54          0.00  
                                                        2003     46.54        59.59          1.84  
                                                        2004     59.59        64.96        300.12  
                                                        2005     64.96        66.15        591.46  
                                                        2006     66.15        74.22        983.36  
                                                        2007     74.22        77.82          0.00  

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
BlackRock Large Cap Value Investment Division/(a)/..... 2002    $ 8.60       $ 7.90          0.00  
                                                        2003      7.90        10.55          7.80  
                                                        2004     10.55        11.77        168.62  
                                                        2005     11.77        12.25        376.12  
                                                        2006     12.25        14.38      2,087.06  
                                                        2007     14.38        14.62      9,865.81  
                                                        2008     14.62         9.35      9,584.17  
                                                        2009      9.35        10.23     16,217.58  
                                                        2010     10.23        10.99     17,122.09  

BlackRock Legacy Large Cap Growth Investment                                                       
  Division/(a)/........................................ 2002     20.29        17.73          0.00  
                                                        2003     17.73        23.63         29.08  
                                                        2004     23.63        25.28         85.96  
                                                        2005     25.28        26.60        336.05  
                                                        2006     26.60        27.24        658.32  
                                                        2007     27.24        31.79        715.01  
                                                        2008     31.79        19.83        812.55  
                                                        2009     19.83        26.69        915.46  
                                                        2010     26.69        31.43      1,029.15  

BlackRock Legacy Large Cap Growth Investment Division                                              
  (formerly FI Large Cap Investment Division)/(k)/..... 2006     17.00        17.20          0.00  
                                                        2007     17.20        17.58          1.23  
                                                        2008     17.58         9.53        166.87  
                                                        2009      9.53         9.93          0.00  

BlackRock Money Market Investment Division/(b)/........ 2003     21.95        21.81          0.00  
                                                        2004     21.81        21.65          0.00  
                                                        2005     21.65        21.91          0.00  
                                                        2006     21.91        22.57          0.00  
                                                        2007     22.57        23.32          0.00  
                                                        2008     23.32        23.58          0.00  
                                                        2009     23.58        23.30          0.00  
                                                        2010     23.30        22.96          0.00  

Calvert VP SRI Balanced Investment Division (formerly                                              
  Calvert Social Balanced Investment Division/(a)/).... 2002     17.21        16.88          0.00  
                                                        2003     16.88        19.85        107.19  
                                                        2004     19.85        21.18        344.88  
                                                        2005     21.18        22.05        570.10  
                                                        2006     22.05        23.64      1,083.33  
                                                        2007     23.64        23.94      2,037.87  
                                                        2008     23.94        16.20      2,612.58  
                                                        2009     16.20        20.01      2,559.69  
                                                        2010     20.01        22.11      3,031.03  

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
Clarion Global Real Estate Investment Division/(d)/.... 2004    $ 9.99       $12.82        156.41  
                                                        2005     12.82        14.32      2,090.52  
                                                        2006     14.32        19.42      5,568.38  
                                                        2007     19.42        16.27      9,986.87  
                                                        2008     16.27         9.35     11,358.61  
                                                        2009      9.35        12.42     11,384.24  
                                                        2010     12.42        14.21     11,318.98  

Davis Venture Value Investment Division/(a)/........... 2002     22.11        21.51          0.92  
                                                        2003     21.51        27.72        316.39  
                                                        2004     27.72        30.59        957.99  
                                                        2005     30.59        33.16      2,198.14  
                                                        2006     33.16        37.37      4,690.25  
                                                        2007     37.37        38.43      9,401.84  
                                                        2008     38.43        22.90     11,408.70  
                                                        2009     22.90        29.72     12,008.61  
                                                        2010     29.72        32.72     13,287.58  

FI Value Leaders Investment Division/(a)/.............. 2002     19.42        18.44          0.00  
                                                        2003     18.44        23.06         94.75  
                                                        2004     23.06        25.80        191.49  
                                                        2005     25.80        28.08        549.01  
                                                        2006     28.08        30.91        730.98  
                                                        2007     30.91        31.66        877.75  
                                                        2008     31.66        19.00      1,104.38  
                                                        2009     19.00        22.75      1,308.39  
                                                        2010     22.75        25.63      1,107.41  

Harris Oakmark International Investment Division/(a)/.. 2002      9.88         8.82          1.12  
                                                        2003      8.82        11.74        136.41  
                                                        2004     11.74        13.94      3,721.58  
                                                        2005     13.94        15.70      4,996.10  
                                                        2006     15.70        19.94     10,988.71  
                                                        2007     19.94        19.43     20,546.61  
                                                        2008     19.43        11.32     18,790.19  
                                                        2009     11.32        17.30     20,309.68  
                                                        2010     17.30        19.85     25,618.84  

Invesco Small Cap Growth Investment Division (formerly                                             
  Met/AIM Small Cap Growth Investment Division/(a)/)... 2002      8.91         8.46          0.00  
                                                        2003      8.46        11.58          4.72  
                                                        2004     11.58        12.15        186.97  
                                                        2005     12.15        12.97        306.64  
                                                        2006     12.97        14.60        452.84  
                                                        2007     14.60        15.98        889.96  
                                                        2008     15.98         9.65      1,374.04  
                                                        2009      9.65        12.72      2,169.46  
                                                        2010     12.72        15.83      2,198.64  

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
Janus Forty Investment Division/(h)/................... 2007   $144.01      $176.60         26.63  
                                                        2008    176.60       100.95        593.98  
                                                        2009    100.95       142.14      1,061.21  
                                                        2010    142.14       153.26      1,334.40  

Lazard Mid Cap Investment Division/(a)/................ 2002      9.98         9.65          0.00  
                                                        2003      9.65        12.01        549.58  
                                                        2004     12.01        13.54      1,021.69  
                                                        2005     13.54        14.42      1,448.25  
                                                        2006     14.42        16.30      1,010.15  
                                                        2007     16.30        15.63      1,696.77  
                                                        2008     15.63         9.50      1,923.22  
                                                        2009      9.50        12.81      1,944.73  
                                                        2010     12.81        15.51      2,118.61  
Loomis Sayles Small Cap Core Investment                                                            
  Division (formerly Loomis Sayles Small Cap                                                       
  Investment Divisions)/(a)/........................... 2002     18.77        17.13          0.00  
                                                        2003     17.13        23.04         20.81  
                                                        2004     23.04        26.39        100.06  
                                                        2005     26.39        27.75        155.00  
                                                        2006     27.75        31.83        436.20  
                                                        2007     31.83        35.02        962.11  
                                                        2008     35.02        22.07      1,736.22  
                                                        2009     22.07        28.26      2,019.62  
                                                        2010     28.26        35.43      2,159.64  

Loomis Sayles Small Cap Growth Investment                                                          
  Division (formerly Franklin Templeton Small Cap                                                  
  Growth Investment Division)/(a)/..................... 2002      6.73         6.23          0.00  
                                                        2003      6.23         8.88        361.42  
                                                        2004      8.88         9.73        688.78  
                                                        2005      9.73        10.01        995.07  
                                                        2006     10.01        10.83      2,541.58  
                                                        2007     10.83        11.13      4,155.52  
                                                        2008     11.13         6.44      5,677.52  
                                                        2009      6.44         8.23      6,400.09  
                                                        2010      8.23        10.66      5,666.64  

Lord Abbett Bond Debenture Investment Division/(a)/.... 2002     13.22        13.51          0.00  
                                                        2003     13.51        15.87      1,323.54  
                                                        2004     15.87        16.92      2,050.17  
                                                        2005     16.92        16.92      3,620.71  
                                                        2006     16.92        18.21      4,445.21  
                                                        2007     18.21        19.12      5,184.85  
                                                        2008     19.12        15.34      5,748.51  
                                                        2009     15.34        20.68      5,319.95  
                                                        2010     20.68        23.02      6,162.55  

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
Met/Artisan Mid Cap Value Investment                                                               
  Division (formerly Harris Oakmark Focused Value                                                  
  Investment Division)/(a)/............................ 2002    $22.41       $23.05        136.67  
                                                        2003     23.05        30.06      1,004.28  
                                                        2004     30.06        32.49      1,645.00  
                                                        2005     32.49        35.13      2,964.48  
                                                        2006     35.13        38.85      4,220.68  
                                                        2007     38.85        35.57      4,709.45  
                                                        2008     35.57        18.88      3,191.87  
                                                        2009     18.88        26.28      3,293.85  
                                                        2010     26.28        29.73      4,514.55  

Met/Franklin Income Investment Division/(i)/........... 2008      9.99         7.98        122.59  
                                                        2009      7.98        10.05      1,923.25  
                                                        2010     10.05        11.08      6,003.79  

Met/Franklin Mutual Shares Investment Division/(i)/.... 2008      9.99         6.59        725.28  
                                                        2009      6.59         8.12      2,742.12  
                                                        2010      8.12         8.88      4,303.56  
Met/Franklin Templeton Founding Strategy Investment                                                
  Division/(i)/........................................ 2008      9.99         7.03        235.28  
                                                        2009      7.03         8.90      4,152.60  
                                                        2010      8.90         9.66      7,654.75  

Met/Templeton Growth Investment Division/(i)/.......... 2008      9.99         6.56        149.02  
                                                        2009      6.56         8.58      1,287.06  
                                                        2010      8.58         9.10      2,054.52  

MetLife Mid Cap Stock Index Investment Division/(a)/... 2002      8.94         8.61          3.48  
                                                        2003      8.61        11.41      2,349.55  
                                                        2004     11.41        13.02      3,485.46  
                                                        2005     13.02        14.37      6,363.90  
                                                        2006     14.37        15.56      8,808.86  
                                                        2007     15.56        16.49     10,732.14  
                                                        2008     16.49        10.34     12,611.56  
                                                        2009     10.34        13.94     12,156.30  
                                                        2010     13.94        17.31     12,552.30  

MetLife Stock Index Investment Division/(a)/........... 2002     27.91        26.63          2.96  
                                                        2003     26.63        33.56      2,815.01  
                                                        2004     33.56        36.47      7,580.95  
                                                        2005     36.47        37.52     13,758.23  
                                                        2006     37.52        42.60     18,457.29  
                                                        2007     42.60        44.07     23,472.30  
                                                        2008     44.07        27.25     34,153.83  
                                                        2009     27.25        33.82     30,647.68  
                                                        2010     33.82        38.17     32,389.24  

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
MFS(R) Research International Investment Division/(a)/. 2002    $ 7.79       $ 7.28          2.88  
                                                        2003      7.28         9.47      2,924.17  
                                                        2004      9.47        11.16      3,434.16  
                                                        2005     11.16        12.81      3,797.02  
                                                        2006     12.81        15.98      6,565.99  
                                                        2007     15.98        17.85     10,263.62  
                                                        2008     17.85        10.13     13,628.81  
                                                        2009     10.13        13.14     14,363.44  
                                                        2010     13.14        14.43     15,263.03  

MFS(R) Total Return Investment Division/(a)/........... 2002     31.73        31.48          0.00  
                                                        2003     31.48        36.22        162.46  
                                                        2004     36.22        39.62      1,233.12  
                                                        2005     39.62        40.16      1,329.60  
                                                        2006     40.16        44.31      1,857.25  
                                                        2007     44.31        45.47      2,885.95  
                                                        2008     45.47        34.80      2,363.74  
                                                        2009     34.80        40.57      2,619.61  
                                                        2010     40.57        43.91      2,883.67  

MFS(R) Value Investment Division/(a)/.................. 2002      9.99         9.65        316.59  
                                                        2003      9.65        11.91      1,436.68  
                                                        2004     11.91        13.05      3,152.03  
                                                        2005     13.05        12.65      5,072.08  
                                                        2006     12.65        14.69      6,962.96  
                                                        2007     14.69        13.90     14,487.72  
                                                        2008     13.90         9.08     13,473.62  
                                                        2009      9.08        10.79     16,367.12  
                                                        2010     10.79        11.82     17,416.17  

Morgan Stanley EAFE(R) Index Investment Division/(a)/.. 2002      7.85         6.97        550.11  
                                                        2003      6.97         9.43      3,873.08  
                                                        2004      9.43        11.08      6,433.44  
                                                        2005     11.08        12.34      9,089.56  
                                                        2006     12.34        15.26     12,602.42  
                                                        2007     15.26        16.62     17,463.95  
                                                        2008     16.62         9.46     26,278.41  
                                                        2009      9.46        11.97     23,952.13  
                                                        2010     11.97        12.73     26,615.65  

Morgan Stanley Mid Cap Growth Investment Division/(l)/. 2010     12.78        14.84      7,388.96  

Morgan Stanley Mid Cap Growth Investment Division                                                  
  (formerly FI Mid Cap Opportunities Investment                                                    
  Division)/(a)(c)/.................................... 2002     11.19        10.78          0.00  
                                                        2003     10.78        14.27          0.00  
                                                        2004     14.27        16.43      1,844.29  
                                                        2005     16.43        17.27      3,246.37  
                                                        2006     17.27        18.99      3,696.05  
                                                        2007     18.99        20.24      4,101.03  
                                                        2008     20.24         8.89      2,163.24  
                                                        2009      8.89        11.70      1,942.04  
                                                        2010     11.70        12.66          0.00  

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
Neuberger Berman Genesis Investment Division (formerly                                             
  BlackRock Strategic Value Investment Division)/(a)/.. 2002    $12.73       $10.80         99.16  
                                                        2003     10.80        15.94      1,442.05  
                                                        2004     15.94        18.08      4,733.00  
                                                        2005     18.08        18.52      6,393.47  
                                                        2006     18.52        21.25      5,338.90  
                                                        2007     21.25        20.17      6,204.84  
                                                        2008     20.17        12.21      7,230.09  
                                                        2009     12.21        13.58      7,532.78  
                                                        2010     13.58        16.25      7,904.93  

Neuberger Berman Mid Cap Value Investment Division/(a)/ 2002     13.94        13.30          1.50  
                                                        2003     13.30        17.85        302.01  
                                                        2004     17.85        21.58        928.34  
                                                        2005     21.58        23.81      2,277.33  
                                                        2006     23.81        26.09      4,695.92  
                                                        2007     26.09        26.54      6,721.00  
                                                        2008     26.54        13.73      7,931.23  
                                                        2009     13.73        20.00      6,302.86  
                                                        2010     20.00        24.85      7,269.79  

Oppenheimer Capital Appreciation Investment                                                        
  Division/(a)/........................................ 2002      6.53         6.27          0.00  
                                                        2003      6.27         7.95        444.53  
                                                        2004      7.95         8.34      2,849.59  
                                                        2005      8.34         8.60      2,217.38  
                                                        2006      8.60         9.13      3,178.86  
                                                        2007      9.13        10.28      4,013.04  
                                                        2008     10.28         5.47      4,251.11  
                                                        2009      5.47         7.76      5,949.42  
                                                        2010      7.76         8.36      9,161.87  

PIMCO Inflation Protected Bond Investment Division/(f)/ 2006     10.97        11.08        330.84  
                                                        2007     11.08        12.10        462.98  
                                                        2008     12.10        11.10     14,191.03  
                                                        2009     11.10        12.92     16,559.51  
                                                        2010     12.92        13.72     19,682.28  

PIMCO Total Return Investment Division/(a)/............ 2002     10.90        11.34        333.34  
                                                        2003     11.34        11.66      6,229.03  
                                                        2004     11.66        12.06     10,445.98  
                                                        2005     12.06        12.16     14,727.33  
                                                        2006     12.16        12.52     23,460.30  
                                                        2007     12.52        13.28     29,497.35  
                                                        2008     13.28        13.14     28,115.73  
                                                        2009     13.14        15.29     44,252.80  
                                                        2010     15.29        16.30     54,854.40  

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
RCM Technology Investment Division/(a)/................ 2002    $ 3.67       $ 2.95          0.00  
                                                        2003      2.95         4.59         80.88  
                                                        2004      4.59         4.33        507.30  
                                                        2005      4.33         4.74        954.08  
                                                        2006      4.74         4.92      2,828.72  
                                                        2007      4.92         6.37      6,050.28  
                                                        2008      6.37         3.49      6,262.36  
                                                        2009      3.49         5.47      8,358.97  
                                                        2010      5.47         6.88     14,540.38  

Russell 2000(R) Index Investment Division/(a)/......... 2002      9.98         9.25          0.39  
                                                        2003      9.25        13.28        856.01  
                                                        2004     13.28        15.37      1,554.63  
                                                        2005     15.37        15.80      2,943.50  
                                                        2006     15.80        18.31      4,984.93  
                                                        2007     18.31        17.74      5,735.40  
                                                        2008     17.74        11.60      7,192.80  
                                                        2009     11.60        14.36      8,539.44  
                                                        2010     14.36        17.92     10,099.65  

SSgA Growth ETF Investment Division (formerly Cyclical                                             
  Growth ETF Investment Division)/(f)/................. 2006     10.70        11.40          0.00  
                                                        2007     11.40        11.87        145.98  
                                                        2008     11.87         7.84        145.72  
                                                        2009      7.84         9.98      1,196.30  
                                                        2010      9.98        11.23        398.44  

SSgA Growth and Income ETF Investment                                                              
  Division (formerly Cyclical Growth and Income ETF                                                
  Investment Division)/(f)/............................ 2006     10.51        11.15          0.00  
                                                        2007     11.15        11.58          0.00  
                                                        2008     11.58         8.55          0.00  
                                                        2009      8.55        10.53      2,112.77  
                                                        2010     10.53        11.65      6,609.65  

T. Rowe Price Large Cap Growth Investment Division/(a)/ 2002      8.88         8.65          0.00  
                                                        2003      8.65        11.15        385.28  
                                                        2004     11.15        12.06      2,168.53  
                                                        2005     12.06        12.64      3,914.84  
                                                        2006     12.64        14.06      4,416.96  
                                                        2007     14.06        15.13      7,105.52  
                                                        2008     15.13         8.64      7,772.58  
                                                        2009      8.64        12.19      8,865.60  
                                                        2010     12.19        14.03      9,325.77  

T. Rowe Price Mid Cap Growth Investment Division/(a)/.. 2002      4.82         4.54          0.00  
                                                        2003      4.54         6.11         59.54  
                                                        2004      6.11         7.10      1,526.35  
                                                        2005      7.10         8.02      3,928.80  
                                                        2006      8.02         8.39      8,034.99  
                                                        2007      8.39         9.73     17,262.47  
                                                        2008      9.73         5.78     17,527.00  
                                                        2009      5.78         8.28     23,619.52  
                                                        2010      8.28        10.43     25,178.14  

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
T. Rowe Price Small Cap Growth Investment Division/(a)/ 2002    $ 8.84       $ 8.65        116.27  
                                                        2003      8.65        12.02      1,333.24  
                                                        2004     12.02        13.14      2,047.11  
                                                        2005     13.14        14.34      1,363.39  
                                                        2006     14.34        14.65      2,309.31  
                                                        2007     14.65        15.82      3,961.01  
                                                        2008     15.82         9.92      3,030.69  
                                                        2009      9.92        13.56      4,399.13  
                                                        2010     13.56        18.00      6,124.80  

Third Avenue Small Cap Value Investment Division/(a)/.. 2002      9.02         8.22          0.00  
                                                        2003      8.22        11.47          9.53  
                                                        2004     11.47        14.30        214.83  
                                                        2005     14.30        16.27        904.15  
                                                        2006     16.27        18.15      3,365.95  
                                                        2007     18.15        17.34      6,471.22  
                                                        2008     17.34        11.99      7,501.72  
                                                        2009     11.99        14.95      8,198.18  
                                                        2010     14.95        17.67      8,085.96  

Western Asset Management Strategic Bond Opportunities                                              
  Investment Division/(a)/............................. 2002     15.99        16.92          0.00  
                                                        2003     16.92        18.78        160.51  
                                                        2004     18.78        19.67        549.20  
                                                        2005     19.67        19.89        539.74  
                                                        2006     19.89        20.55      2,715.67  
                                                        2007     20.55        21.00      4,187.52  
                                                        2008     21.00        17.55      4,981.54  
                                                        2009     17.55        22.81      5,140.05  
                                                        2010     22.81        25.28      6,140.11  

Western Asset Management U.S. Government Investment                                                
  Division/(a)/........................................ 2002     15.04        15.49          0.00  
                                                        2003     15.49        15.52        861.10  
                                                        2004     15.52        15.70      2,184.14  
                                                        2005     15.70        15.69      4,277.89  
                                                        2006     15.69        16.07      4,543.14  
                                                        2007     16.07        16.48      5,623.40  
                                                        2008     16.48        16.16      5,606.75  
                                                        2009     16.16        16.57      5,995.14  
                                                        2010     16.57        17.23      7,078.01  

MetLife Aggressive Allocation Investment Division/(e)/. 2005      9.99        11.14          0.00  
                                                        2006     11.14        12.70      1,825.47  
                                                        2007     12.70        12.93      3,704.54  
                                                        2008     12.93         7.59      6,714.55  
                                                        2009      7.59         9.83      9,312.79  
                                                        2010      9.83        11.21      7,345.30  

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
MetLife Conservative Allocation Investment                                                         
  Division/(e)/........................................ 2005    $ 9.99       $10.29      3,226.13  
                                                        2006     10.29        10.84      3,287.56  
                                                        2007     10.84        11.28      5,471.32  
                                                        2008     11.28         9.52      6,221.96  
                                                        2009      9.52        11.31     15,090.28  
                                                        2010     11.31        12.27     15,413.36  

MetLife Conservative to Moderate Allocation Investment                                             
  Division/(e)/........................................ 2005      9.99        10.51          0.00  
                                                        2006     10.51        11.33      4,260.41  
                                                        2007     11.33        11.71     16,422.84  
                                                        2008     11.71         9.05     30,225.29  
                                                        2009      9.05        11.03     33,612.22  
                                                        2010     11.03        12.12     40,408.63  

MetLife Moderate Allocation Investment Division/(e)/... 2005      9.99        10.74        833.85  
                                                        2006     10.74        11.84     17,559.67  
                                                        2007     11.84        12.18     25,465.29  
                                                        2008     12.18         8.56     39,832.61  
                                                        2009      8.56        10.68     55,977.91  
                                                        2010     10.68        11.91     63,008.80  

MetLife Moderate to Aggressive Allocation Investment                                               
  Division/(e)/........................................ 2005      9.99        10.97        331.12  
                                                        2006     10.97        12.35      8,864.31  
                                                        2007     12.35        12.64     19,896.20  
                                                        2008     12.64         8.08     28,589.44  
                                                        2009      8.08        10.28     41,884.53  
                                                        2010     10.28        11.62     59,164.68  

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METLIFE FINANCIAL FREEDOM SELECT  
1.40 SEPARATE ACCOUNT CHARGE  

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                                                                   BEGINNING                 NUMBER OF  
                                                                    OF YEAR    END OF YEAR  ACCUMULATION
                                                                  ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                          YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                          ---- ------------ ------------ ------------
                                                                                                        
American Funds Balanced Allocation Investment Division                                                  
  (Class C)/(i)/............................................ 2008   $ 10.00      $  7.01          0.00  
                                                             2009      7.01         8.94      3,205.95  
                                                             2010      8.94         9.89     15,113.42  

American Funds Bond Investment Division (Class 2)/(f)(j)/... 2006     14.49        15.19         90.17  
                                                             2007     15.19        15.43      2,717.93  
                                                             2008     15.43        13.76      1,228.37  
                                                             2009     13.76        15.24      1,411.93  
                                                             2010     15.24        15.96      4,082.63  

American Funds Global Small Capitalization Investment                                                   
  Division (Class 2)/(a)(j)/................................ 2002     12.03        10.68          0.00  
                                                             2003     10.68        16.14        248.94  
                                                             2004     16.14        19.19        874.83  
                                                             2005     19.19        23.66      3,034.21  
                                                             2006     23.66        28.88      8,369.00  
                                                             2007     28.88        34.49      9,984.89  
                                                             2008     34.49        15.76      9,747.17  
                                                             2009     15.76        25.01     10,588.10  
                                                             2010     25.01        30.12     12,592.07  

American Funds Growth Allocation Investment Division                                                    
  (Class C)/(i)/............................................ 2008      9.99         6.36      5,371.53  
                                                             2009      6.36         8.41      9,511.06  
                                                             2010      8.41         9.41     38,206.02  

American Funds Growth Investment Division (Class 2)/(a)(j)/. 2002     84.55        81.59          1.16  
                                                             2003     81.59       109.80        213.24  
                                                             2004    109.80       121.49        750.36  
                                                             2005    121.49       138.86      1,130.53  
                                                             2006    138.86       150.55      3,008.94  
                                                             2007    150.55       166.36      3,261.55  
                                                             2008    166.36        91.68      3,298.78  
                                                             2009     91.68       125.72      3,439.62  
                                                             2010    125.72       146.76      4,338.96  

American Funds Growth-Income Investment Division                                                        
  (Class 2)/(a)(j)/......................................... 2002     69.94        65.60          0.00  
                                                             2003     65.60        85.45        104.66  
                                                             2004     85.45        92.76      1,079.47  
                                                             2005     92.76        96.57      1,746.28  
                                                             2006     96.57       109.44      3,215.01  
                                                             2007    109.44       113.07      4,285.93  
                                                             2008    113.07        69.12      3,745.16  
                                                             2009     69.12        89.23      3,937.57  
                                                             2010     89.23        97.80      4,076.35  

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                                                                 BEGINNING                 NUMBER OF  
                                                                  OF YEAR    END OF YEAR  ACCUMULATION
                                                                ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                        YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                        ---- ------------ ------------ ------------
                                                                                                      
American Funds Moderate Allocation Investment Division                                                
  (Class C)/(i)/.......................................... 2008    $10.01       $ 7.68          0.00  
                                                           2009      7.68         9.35      1,683.75  
                                                           2010      9.35        10.14      2,433.50  

Barclays Capital Aggregate Bond Index Investment Division                                             
  (formerly Lehman Brothers(R) Aggregate Bond Index                                                   
  Investment Division)/(a)/............................... 2002     11.71        12.23          0.00  
                                                           2003     12.23        12.47      2,135.85  
                                                           2004     12.47        12.77      7,143.10  
                                                           2005     12.77        12.83      9,498.74  
                                                           2006     12.83        13.13     17,290.68  
                                                           2007     13.13        13.81     32,305.85  
                                                           2008     13.81        14.38     27,321.87  
                                                           2009     14.38        14.89     35,470.90  
                                                           2010     14.89        15.52     36,511.56  

BlackRock Bond Income Investment Division/(a)/............ 2002     40.41        41.94          0.00  
                                                           2003     41.94        43.66          1.59  
                                                           2004     43.66        44.85        463.63  
                                                           2005     44.85        45.18      1,569.21  
                                                           2006     45.18        46.40      1,663.84  
                                                           2007     46.40        48.51      3,284.42  
                                                           2008     48.51        46.08      1,492.96  
                                                           2009     46.08        49.61      1,321.50  
                                                           2010     49.61        52.87      2,498.58  

BlackRock Large Cap Core Investment Division*/(g)/........ 2007     78.10        78.77        541.05  
                                                           2008     78.77        48.69        492.61  
                                                           2009     48.69        57.23        463.38  
                                                           2010     57.23        63.46        673.14  

BlackRock Large Cap Investment Division                                                               
  (formerly BlackRock Investment Trust Investment                                                     
  Division)/(a)(g)/....................................... 2002     49.58        47.00          0.00  
                                                           2003     47.00        60.21          6.02  
                                                           2004     60.21        65.66        428.83  
                                                           2005     65.66        66.90        526.93  
                                                           2006     66.90        75.09        532.54  
                                                           2007     75.09        78.75          0.00  

BlackRock Large Cap Value Investment Division/(a)/........ 2002      8.60         7.91          0.00  
                                                           2003      7.91        10.56        549.93  
                                                           2004     10.56        11.79      1,211.71  
                                                           2005     11.79        12.27      2,995.73  
                                                           2006     12.27        14.42      4,300.92  
                                                           2007     14.42        14.66      6,799.21  
                                                           2008     14.66         9.38      5,668.16  
                                                           2009      9.38        10.27      5,974.95  
                                                           2010     10.27        11.03     10,047.59  

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                                                             BEGINNING                 NUMBER OF  
                                                              OF YEAR    END OF YEAR  ACCUMULATION
                                                            ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                    YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                    ---- ------------ ------------ ------------
                                                                                                  
BlackRock Legacy Large Cap Growth Investment                                                      
  Division/(a)/....................................... 2002    $20.37       $17.80          0.00  
                                                       2003     17.80        23.74         79.46  
                                                       2004     23.74        25.41        132.01  
                                                       2005     25.41        26.75        252.46  
                                                       2006     26.75        27.40        342.57  
                                                       2007     27.40        32.00      1,342.28  
                                                       2008     32.00        19.98      1,837.22  
                                                       2009     19.98        26.89      1,533.12  
                                                       2010     26.89        31.68      1,895.34  

BlackRock Legacy Large Cap Growth Investment Division                                             
  (formerly FI Large Cap Investment Division)/(k)/.... 2006     17.09        17.29        261.90  
                                                       2007     17.29        17.68          0.00  
                                                       2008     17.68         9.59          0.00  
                                                       2009      9.59         9.99          0.00  

BlackRock Money Market Investment Division/(b)/....... 2003     22.17        22.03          0.00  
                                                       2004     22.03        21.89          0.00  
                                                       2005     21.89        22.15          0.00  
                                                       2006     22.15        22.84          0.00  
                                                       2007     22.84        23.61          0.00  
                                                       2008     23.61        23.88          0.00  
                                                       2009     23.88        23.61          0.00  
                                                       2010     23.61        23.28          0.00  

Calvert VP SRI Balanced Investment Division                                                       
  (formerly Calvert Social Balanced Investment                                                    
  Division/(a)/)...................................... 2002     17.30        16.96          0.00  
                                                       2003     16.96        19.96         92.43  
                                                       2004     19.96        21.30      1,335.42  
                                                       2005     21.30        22.20      1,304.11  
                                                       2006     22.20        23.81      1,464.93  
                                                       2007     23.81        24.12        993.28  
                                                       2008     24.12        16.33        727.80  
                                                       2009     16.33        20.18        824.31  
                                                       2010     20.18        22.31        783.58  

Clarion Global Real Estate Investment Division/(d)/... 2004      9.99        12.83      2,370.18  
                                                       2005     12.83        14.33      4,213.75  
                                                       2006     14.33        19.45     10,092.59  
                                                       2007     19.45        16.30      6,491.19  
                                                       2008     16.30         9.37      6,422.91  
                                                       2009      9.37        12.45      6,974.02  
                                                       2010     12.45        14.26     10,030.10  

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                                                             BEGINNING                 NUMBER OF  
                                                              OF YEAR    END OF YEAR  ACCUMULATION
                                                            ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                    YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                    ---- ------------ ------------ ------------
                                                                                                  
Davis Venture Value Investment Division/(a)/.......... 2002   $ 22.20      $ 21.60          0.00  
                                                       2003     21.60        27.85        111.16  
                                                       2004     27.85        30.75        748.08  
                                                       2005     30.75        33.35      2,892.00  
                                                       2006     33.35        37.60      5,553.60  
                                                       2007     37.60        38.68      6,860.60  
                                                       2008     38.68        23.07      5,270.29  
                                                       2009     23.07        29.95      5,825.99  
                                                       2010     29.95        32.99     10,639.56  

FI Value Leaders Investment Division/(a)/............. 2002     19.51        18.53          0.00  
                                                       2003     18.53        23.18        475.08  
                                                       2004     23.18        25.95        737.34  
                                                       2005     25.95        28.26      1,354.18  
                                                       2006     28.26        31.12      1,183.22  
                                                       2007     31.12        31.90        922.86  
                                                       2008     31.90        19.15        946.41  
                                                       2009     19.15        22.94      1,015.63  
                                                       2010     22.94        25.86      1,365.80  

Harris Oakmark International Investment Division/(a)/. 2002      9.89         8.83          0.00  
                                                       2003      8.83        11.75          0.00  
                                                       2004     11.75        13.96      1,291.02  
                                                       2005     13.96        15.73      3,416.24  
                                                       2006     15.73        19.99      7,646.84  
                                                       2007     19.99        19.49     10,592.00  
                                                       2008     19.49        11.36      6,692.29  
                                                       2009     11.36        17.37      8,922.58  
                                                       2010     17.37        19.94     11,617.64  

Invesco Small Cap Growth Investment Division                                                      
  (formerly Met/AIM Small Cap Growth Investment                                                   
  Division/(a)/)...................................... 2002      8.91         8.47          0.00  
                                                       2003      8.47        11.60        500.68  
                                                       2004     11.60        12.17        569.56  
                                                       2005     12.17        13.00        610.19  
                                                       2006     13.00        14.63          1.69  
                                                       2007     14.63        16.03          3.15  
                                                       2008     16.03         9.68        180.24  
                                                       2009      9.68        12.78        200.05  
                                                       2010     12.78        15.90        287.94  

Janus Forty Investment Division/(h)/.................. 2007    145.83       178.90        256.85  
                                                       2008    178.90       102.32        691.59  
                                                       2009    102.32       144.13      1,268.00  
                                                       2010    144.13       155.49      1,784.40  

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                                                           BEGINNING                 NUMBER OF  
                                                            OF YEAR    END OF YEAR  ACCUMULATION
                                                          ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                  YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                  ---- ------------ ------------ ------------
                                                                                                
Lazard Mid Cap Investment Division/(a)/............. 2002    $ 9.98       $ 9.66          0.00  
                                                     2003      9.66        12.02      1,288.94  
                                                     2004     12.02        13.56      1,582.17  
                                                     2005     13.56        14.45      1,753.16  
                                                     2006     14.45        16.34        899.72  
                                                     2007     16.34        15.68        853.20  
                                                     2008     15.68         9.54        772.75  
                                                     2009      9.54        12.86      1,154.85  
                                                     2010     12.86        15.58      1,749.83  

Loomis Sayles Small Cap Core Investment Division                                                
  (formerly Loomis Sayles Small Cap Investment                                                  
  Divisions)/(a)/................................... 2002     18.85        17.20          0.00  
                                                     2003     17.20        23.15         38.65  
                                                     2004     23.15        26.53        619.34  
                                                     2005     26.53        27.91        951.90  
                                                     2006     27.91        32.04      2,565.57  
                                                     2007     32.04        35.26      2,833.72  
                                                     2008     35.26        22.23      1,009.30  
                                                     2009     22.23        28.48      1,065.61  
                                                     2010     28.48        35.73      1,351.72  

Loomis Sayles Small Cap Growth Investment Division                                              
  (formerly Franklin Templeton Small Cap Growth                                                 
  Investment Division)/(a)/......................... 2002      6.73         6.24          0.00  
                                                     2003      6.24         8.90      1,491.89  
                                                     2004      8.90         9.75      1,919.95  
                                                     2005      9.75        10.04      2,237.05  
                                                     2006     10.04        10.86      2,155.40  
                                                     2007     10.86        11.17      2,284.03  
                                                     2008     11.17         6.46      1,505.98  
                                                     2009      6.46         8.27      2,027.52  
                                                     2010      8.27        10.71      4,147.47  

Lord Abbett Bond Debenture Investment Division/(a)/. 2002     13.26        13.56          0.00  
                                                     2003     13.56        15.93         55.05  
                                                     2004     15.93        16.99      1,105.41  
                                                     2005     16.99        17.01      1,847.75  
                                                     2006     17.01        18.31      3,416.36  
                                                     2007     18.31        19.23      5,606.79  
                                                     2008     19.23        15.43      3,736.84  
                                                     2009     15.43        20.82      4,661.19  
                                                     2010     20.82        23.19      4,806.54  

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                                                            BEGINNING                 NUMBER OF  
                                                             OF YEAR    END OF YEAR  ACCUMULATION
                                                           ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                   YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                   ---- ------------ ------------ ------------
                                                                                                 
Met/Artisan Mid Cap Value Investment Division                                                    
  (formerly Harris Oakmark Focused Value Investment                                              
  Division)/(a)/..................................... 2002    $22.51       $23.16          1.57  
                                                      2003     23.16        30.23      2,361.98  
                                                      2004     30.23        32.68      4,061.07  
                                                      2005     32.68        35.36      4,889.45  
                                                      2006     35.36        39.11      5,160.17  
                                                      2007     39.11        35.84      5,001.26  
                                                      2008     35.84        19.03      3,458.14  
                                                      2009     19.03        26.50      3,721.27  
                                                      2010     26.50        29.99      5,149.90  

Met/Franklin Income Investment Division/(i)/......... 2008      9.99         7.98          0.00  
                                                      2009      7.98        10.06        442.53  
                                                      2010     10.06        11.10     10,354.54  

Met/Franklin Mutual Shares Investment Division/(i)/.. 2008      9.99         6.60          0.00  
                                                      2009      6.60         8.12        372.04  
                                                      2010      8.12         8.89      3,462.57  

Met/Franklin Templeton Founding Strategy Investment                                              
  Division/(i)/...................................... 2008      9.99         7.03      2,987.07  
                                                      2009      7.03         8.91        113.95  
                                                      2010      8.91         9.67        208.36  

Met/Templeton Growth Investment Division/(i)/........ 2008      9.99         6.56          0.00  
                                                      2009      6.56         8.59        240.24  
                                                      2010      8.59         9.12      1,291.70  

MetLife Mid Cap Stock Index Investment Division/(a)/. 2002      8.95         8.62          8.43  
                                                      2003      8.62        11.43        871.20  
                                                      2004     11.43        13.05      4,139.79  
                                                      2005     13.05        14.41      5,382.64  
                                                      2006     14.41        15.61      6,366.59  
                                                      2007     15.61        16.55     11,065.63  
                                                      2008     16.55        10.38     10,706.55  
                                                      2009     10.38        14.00     13,079.64  
                                                      2010     14.00        17.40     11,789.40  

MetLife Stock Index Investment Division/(a)/......... 2002     28.08        26.79          0.00  
                                                      2003     26.79        33.79      3,560.51  
                                                      2004     33.79        36.74      9,069.67  
                                                      2005     36.74        37.82     13,139.50  
                                                      2006     37.82        42.96     16,104.79  
                                                      2007     42.96        44.46     24,042.36  
                                                      2008     44.46        27.51     27,574.58  
                                                      2009     27.51        34.16     33,272.23  
                                                      2010     34.16        38.56     28,749.50  

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
MFS(R) Research International Investment Division/(a)/. 2002    $ 7.79       $ 7.28          0.00  
                                                        2003      7.28         9.49         14.75  
                                                        2004      9.49        11.19         51.30  
                                                        2005     11.19        12.84        353.65  
                                                        2006     12.84        16.03      3,516.25  
                                                        2007     16.03        17.91      3,893.52  
                                                        2008     17.91        10.17      7,278.53  
                                                        2009     10.17        13.20      5,873.53  
                                                        2010     13.20        14.50      6,227.74  

MFS(R) Total Return Investment Division/(a)/........... 2002     31.97        31.73          0.00  
                                                        2003     31.73        36.52      1,001.40  
                                                        2004     36.52        39.97      1,401.55  
                                                        2005     39.97        40.54      2,395.40  
                                                        2006     40.54        44.75      3,447.32  
                                                        2007     44.75        45.94      3,746.67  
                                                        2008     45.94        35.18      3,360.60  
                                                        2009     35.18        41.04      3,652.09  
                                                        2010     41.04        44.43      3,614.95  

MFS(R) Value Investment Division/(a)/.................. 2002     10.00         9.67          0.00  
                                                        2003      9.67        11.94      4,378.71  
                                                        2004     11.94        13.09      6,521.36  
                                                        2005     13.09        12.70      7,622.54  
                                                        2006     12.70        14.75      8,780.48  
                                                        2007     14.75        13.96      8,034.77  
                                                        2008     13.96         9.12      8,140.73  
                                                        2009      9.12        10.85      7,668.96  
                                                        2010     10.85        11.90      7,987.94  

Morgan Stanley EAFE(R) Index Investment Division/(a)/.. 2002      7.86         6.98          0.00  
                                                        2003      6.98         9.45      1,749.85  
                                                        2004      9.45        11.12      6,950.94  
                                                        2005     11.12        12.38     10,074.83  
                                                        2006     12.38        15.32     11,999.51  
                                                        2007     15.32        16.69     18,301.03  
                                                        2008     16.69         9.51     21,068.25  
                                                        2009      9.51        12.03     25,153.37  
                                                        2010     12.03        12.81     21,929.81  

Morgan Stanley Mid Cap Growth Investment Division/(l)/. 2010     12.87        14.95      1,992.08  

Morgan Stanley Mid Cap Growth Investment Division                                                  
  (formerly FI Mid Cap Opportunities Investment                                                    
  Division)/(a)(c)/.................................... 2002     11.22        10.81          0.00  
                                                        2003     10.81        14.32          0.00  
                                                        2004     14.32        16.49        658.97  
                                                        2005     16.49        17.35      1,509.50  
                                                        2006     17.35        19.09      2,459.23  
                                                        2007     19.09        20.35      2,108.30  
                                                        2008     20.35         8.94      2,035.11  
                                                        2009      8.94        11.77      1,886.80  
                                                        2010     11.77        12.74          0.00  

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                                                                 BEGINNING                 NUMBER OF  
                                                                  OF YEAR    END OF YEAR  ACCUMULATION
                                                                ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                        YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                        ---- ------------ ------------ ------------
                                                                                                      
Neuberger Berman Genesis Investment Division                                                          
  (formerly BlackRock Strategic Value Investment                                                      
  Division)/(a)/.......................................... 2002    $12.74       $10.81          3.34  
                                                           2003     10.81        15.97        971.23  
                                                           2004     15.97        18.12      4,164.39  
                                                           2005     18.12        18.57      4,090.64  
                                                           2006     18.57        21.32      6,961.54  
                                                           2007     21.32        20.25      7,513.75  
                                                           2008     20.25        12.27      3,711.29  
                                                           2009     12.27        13.65      3,092.17  
                                                           2010     13.65        16.33      4,407.46  

Neuberger Berman Mid Cap Value Investment Division/(a)/... 2002     13.97        13.33          0.00  
                                                           2003     13.33        17.90        832.96  
                                                           2004     17.90        21.65      2,085.00  
                                                           2005     21.65        23.89      5,035.38  
                                                           2006     23.89        26.20      8,407.39  
                                                           2007     26.20        26.66      8,584.25  
                                                           2008     26.66        13.80      7,489.19  
                                                           2009     13.80        20.11      7,881.52  
                                                           2010     20.11        25.00     12,260.60  

Oppenheimer Capital Appreciation Investment Division/(a)/. 2002      6.54         6.28          0.00  
                                                           2003      6.28         7.96      1,369.01  
                                                           2004      7.96         8.35      1,564.27  
                                                           2005      8.35         8.62      1,786.40  
                                                           2006      8.62         9.15        757.44  
                                                           2007      9.15        10.32        505.50  
                                                           2008     10.32         5.50      1,105.02  
                                                           2009      5.50         7.79      1,816.73  
                                                           2010      7.79         8.40      5,862.62  

PIMCO Inflation Protected Bond Investment Division/(f)/... 2006     10.99        11.10          0.00  
                                                           2007     11.10        12.12        576.66  
                                                           2008     12.12        11.13      5,855.81  
                                                           2009     11.13        12.96      7,713.76  
                                                           2010     12.96        13.77     18,661.71  

PIMCO Total Return Investment Division/(a)/............... 2002     10.91        11.35          0.00  
                                                           2003     11.35        11.68      2,010.07  
                                                           2004     11.68        12.09      5,982.63  
                                                           2005     12.09        12.19      8,960.97  
                                                           2006     12.19        12.56     12,287.44  
                                                           2007     12.56        13.32     12,380.76  
                                                           2008     13.32        13.19     12,474.41  
                                                           2009     13.19        15.35     16,042.59  
                                                           2010     15.35        16.38     31,470.36  

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                                                                 BEGINNING                 NUMBER OF  
                                                                  OF YEAR    END OF YEAR  ACCUMULATION
                                                                ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                        YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                        ---- ------------ ------------ ------------
                                                                                                      
RCM Technology Investment Division/(a)/................... 2002    $ 3.67       $ 2.96          0.00  
                                                           2003      2.96         4.60        344.29  
                                                           2004      4.60         4.34      1,006.93  
                                                           2005      4.34         4.75      1,873.94  
                                                           2006      4.75         4.93      2,398.63  
                                                           2007      4.93         6.40      3,312.84  
                                                           2008      6.40         3.50      2,693.54  
                                                           2009      3.50         5.49      5,466.84  
                                                           2010      5.49         6.92      7,327.23  

Russell 2000(R) Index Investment Division/(a)/............ 2002     10.00         9.27          0.00  
                                                           2003      9.27        13.32        461.65  
                                                           2004     13.32        15.42      2,348.12  
                                                           2005     15.42        15.86      3,666.83  
                                                           2006     15.86        18.39      4,048.22  
                                                           2007     18.39        17.82      5,647.42  
                                                           2008     17.82        11.65      6,245.83  
                                                           2009     11.65        14.44      9,630.01  
                                                           2010     14.44        18.03      9,511.19  

SSgA Growth ETF Investment Division                                                                   
  (formerly Cyclical Growth ETF Investment Division)/(f)/. 2006     10.70        11.41          0.00  
                                                           2007     11.41        11.88         62.15  
                                                           2008     11.88         7.85        160.35  
                                                           2009      7.85        10.00      1,690.87  
                                                           2010     10.00        11.26      5,164.06  

SSgA Growth and Income ETF Investment Division                                                        
  (formerly Cyclical Growth and Income ETF Investment                                                 
  Division)/(f)/.......................................... 2006     10.51        11.16          0.00  
                                                           2007     11.16        11.59          0.00  
                                                           2008     11.59         8.57          0.00  
                                                           2009      8.57        10.55          0.00  
                                                           2010     10.55        11.68          1.77  

T. Rowe Price Large Cap Growth Investment Division/(a)/... 2002      8.89         8.67          0.00  
                                                           2003      8.67        11.18        100.79  
                                                           2004     11.18        12.10      2,980.22  
                                                           2005     12.10        12.68      2,276.90  
                                                           2006     12.68        14.12      2,642.90  
                                                           2007     14.12        15.20      2,891.75  
                                                           2008     15.20         8.69      3,145.27  
                                                           2009      8.69        12.26      4,973.76  
                                                           2010     12.26        14.11      8,126.80  

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                                                               BEGINNING                 NUMBER OF  
                                                                OF YEAR    END OF YEAR  ACCUMULATION
                                                              ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                      YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                      ---- ------------ ------------ ------------
                                                                                                    
T. Rowe Price Mid Cap Growth Investment Division/(a)/... 2002    $ 4.83       $ 4.54          0.00  
                                                         2003      4.54         6.12        526.10  
                                                         2004      6.12         7.11        981.52  
                                                         2005      7.11         8.04      1,933.12  
                                                         2006      8.04         8.42      6,384.30  
                                                         2007      8.42         9.76      6,591.80  
                                                         2008      9.76         5.80      9,133.51  
                                                         2009      5.80         8.32     10,331.13  
                                                         2010      8.32        10.48     11,527.22  

T. Rowe Price Small Cap Growth Investment Division/(a)/. 2002      8.86         8.67          0.00  
                                                         2003      8.67        12.06          0.00  
                                                         2004     12.06        13.20          6.04  
                                                         2005     13.20        14.41        228.27  
                                                         2006     14.41        14.72        599.02  
                                                         2007     14.72        15.90        825.91  
                                                         2008     15.90         9.98        859.37  
                                                         2009      9.98        13.65        695.66  
                                                         2010     13.65        18.13      1,333.68  

Third Avenue Small Cap Value Investment Division/(a)/... 2002      9.02         8.23          0.00  
                                                         2003      8.23        11.48          0.00  
                                                         2004     11.48        14.32          1.76  
                                                         2005     14.32        16.30        230.07  
                                                         2006     16.30        18.19        791.70  
                                                         2007     18.19        17.39        770.75  
                                                         2008     17.39        12.03      1,334.34  
                                                         2009     12.03        15.01      1,308.09  
                                                         2010     15.01        17.74      1,203.58  

Western Asset Management Strategic Bond Opportunities                                               
  Investment Division/(a)/.............................. 2002     16.06        16.99          0.00  
                                                         2003     16.99        18.87         51.08  
                                                         2004     18.87        19.77        465.44  
                                                         2005     19.77        20.00      1,665.10  
                                                         2006     20.00        20.67      3,192.35  
                                                         2007     20.67        21.14      3,466.92  
                                                         2008     21.14        17.67      2,912.02  
                                                         2009     17.67        22.99      3,222.66  
                                                         2010     22.99        25.49      6,506.19  

Western Asset Management U.S. Government Investment                                                 
  Division/(a)/......................................... 2002     15.10        15.55          0.00  
                                                         2003     15.55        15.59        119.97  
                                                         2004     15.59        15.78        372.78  
                                                         2005     15.78        15.78        884.03  
                                                         2006     15.78        16.17      1,488.25  
                                                         2007     16.17        16.59      2,072.44  
                                                         2008     16.59        16.27      2,481.71  
                                                         2009     16.27        16.70      2,910.79  
                                                         2010     16.70        17.37      4,893.25  

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                                                                BEGINNING                 NUMBER OF  
                                                                 OF YEAR    END OF YEAR  ACCUMULATION
                                                               ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                       YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                       ---- ------------ ------------ ------------
                                                                                                     
MetLife Aggressive Allocation Investment Division/(e)/... 2005    $ 9.99       $11.15           0.00 
                                                          2006     11.15        12.71           0.00 
                                                          2007     12.71        12.94       2,025.81 
                                                          2008     12.94         7.60       2,690.46 
                                                          2009      7.60         9.85       4,462.04 
                                                          2010      9.85        11.24       9,964.52 

MetLife Conservative Allocation Investment Division/(e)/. 2005      9.99        10.29           0.00 
                                                          2006     10.29        10.85         246.36 
                                                          2007     10.85        11.30         674.91 
                                                          2008     11.30         9.54       4,811.04 
                                                          2009      9.54        11.33       4,795.84 
                                                          2010     11.33        12.30       4,786.51 

MetLife Conservative to Moderate Allocation Investment                                               
  Division/(e)/.......................................... 2005      9.99        10.51       2,607.14 
                                                          2006     10.51        11.34       2,607.14 
                                                          2007     11.34        11.72       3,521.82 
                                                          2008     11.72         9.06       8,710.86 
                                                          2009      9.06        11.05       7,370.08 
                                                          2010     11.05        12.16       8,829.17 

MetLife Moderate Allocation Investment Division/(e)/..... 2005      9.99        10.74         527.34 
                                                          2006     10.74        11.85      38,145.98 
                                                          2007     11.85        12.19      79,401.10 
                                                          2008     12.19         8.58      74,971.27 
                                                          2009      8.58        10.70      67,725.80 
                                                          2010     10.70        11.95     107,996.42 

MetLife Moderate to Aggressive Allocation Investment                                                 
  Division/(e)/.......................................... 2005      9.99        10.97       9,497.11 
                                                          2006     10.97        12.36       9,626.62 
                                                          2007     12.36        12.65      16,302.49 
                                                          2008     12.65         8.09      23,713.76 
                                                          2009      8.09        10.30      22,321.07 
                                                          2010     10.30        11.65      50,393.30 

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METLIFE FINANCIAL FREEDOM SELECT  
1.30 SEPARATE ACCOUNT CHARGE  

                                                        [Enlarge/Download Table]

                                                                   BEGINNING                 NUMBER OF  
                                                                    OF YEAR    END OF YEAR  ACCUMULATION
                                                                  ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                          YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                          ---- ------------ ------------ ------------
                                                                                                        
American Funds Balanced Allocation Investment Division                                                  
  (Class C)/(i)/............................................ 2008   $ 10.00      $  7.02      2,631.53  
                                                             2009      7.02         8.96     35,884.95  
                                                             2010      8.96         9.92     51,686.81  

American Funds Bond Investment Division (Class 2)/(f)(j)/... 2006     14.62        15.33      4,179.95  
                                                             2007     15.33        15.60     15,641.01  
                                                             2008     15.60        13.92     14,532.93  
                                                             2009     13.92        15.44     16,978.55  
                                                             2010     15.44        16.18     19,186.29  

American Funds Global Small Capitalization Investment                                                   
  Division (Class 2)/(a)(j)/................................ 2002     12.08        10.73          0.69  
                                                             2003     10.73        16.23      1,254.51  
                                                             2004     16.23        19.32      7,105.46  
                                                             2005     19.32        23.84     16,415.78  
                                                             2006     23.84        29.13     28,404.08  
                                                             2007     29.13        34.82     40,438.60  
                                                             2008     34.82        15.93     47,237.15  
                                                             2009     15.93        25.31     63,693.22  
                                                             2010     25.31        30.50     67,191.17  

American Funds Growth Allocation Investment Division                                                    
  (Class C)/(i)/............................................ 2008      9.99         6.36      6,559.95  
                                                             2009      6.36         8.42     77,454.83  
                                                             2010      8.42         9.43     86,791.05  

American Funds Growth Investment Division (Class 2)/(a)(j)/. 2002     86.12        83.15          0.00  
                                                             2003     83.15       112.00      1,908.25  
                                                             2004    112.00       124.06      5,585.20  
                                                             2005    124.06       141.94      9,723.43  
                                                             2006    141.94       154.04     15,774.53  
                                                             2007    154.04       170.39     18,009.84  
                                                             2008    170.39        93.99     19,606.98  
                                                             2009     93.99       129.02     23,055.17  
                                                             2010    129.02       150.77     24,930.01  

American Funds Growth-Income Investment Division                                                        
  (Class 2)/(a)(j)/......................................... 2002     71.24        66.85         50.08  
                                                             2003     66.85        87.16      3,013.83  
                                                             2004     87.16        94.72      7,944.50  
                                                             2005     94.72        98.71     11,558.81  
                                                             2006     98.71       111.97     14,967.77  
                                                             2007    111.97       115.80     18,636.08  
                                                             2008    115.80        70.86     20,705.15  
                                                             2009     70.86        91.57     24,541.79  
                                                             2010     91.57       100.46     26,438.87  

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                                                                 BEGINNING                 NUMBER OF  
                                                                  OF YEAR    END OF YEAR  ACCUMULATION
                                                                ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                        YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                        ---- ------------ ------------ ------------
                                                                                                      
American Funds Moderate Allocation Investment Division                                                
  (Class C)/(i)/.......................................... 2008    $10.01       $ 7.69       1,563.29 
                                                           2009      7.69         9.37      32,245.98 
                                                           2010      9.37        10.16      37,963.13 

Barclays Capital Aggregate Bond Index Investment Division                                             
  (formerly Lehman Brothers(R) Aggregate Bond Index                                                   
  Investment Division)/(a)/............................... 2002     11.75        12.28           8.36 
                                                           2003     12.28        12.54      20,085.04 
                                                           2004     12.54        12.85      47,752.02 
                                                           2005     12.85        12.92      92,725.98 
                                                           2006     12.92        13.24     106,127.97 
                                                           2007     13.24        13.94     116,421.35 
                                                           2008     13.94        14.53     101,814.51 
                                                           2009     14.53        15.06     120,592.93 
                                                           2010     15.06        15.71     127,451.82 

BlackRock Bond Income Investment Division/(a)/............ 2002     41.18        42.76         271.77 
                                                           2003     42.76        44.56       1,481.26 
                                                           2004     44.56        45.82       5,624.95 
                                                           2005     45.82        46.20       7,646.56 
                                                           2006     46.20        47.50      11,089.78 
                                                           2007     47.50        49.70      12,917.97 
                                                           2008     49.70        47.26      13,180.50 
                                                           2009     47.26        50.94      11,883.54 
                                                           2010     50.94        54.33      11,007.03 

BlackRock Large Cap Core Investment Division*/(g)/........ 2007     79.98        80.72       3,305.85 
                                                           2008     80.72        49.95       3,192.64 
                                                           2009     49.95        58.77       2,528.40 
                                                           2010     58.77        65.24       2,647.33 

BlackRock Large Cap Investment Division                                                               
  (formerly BlackRock Investment Trust Investment                                                     
  Division)/(a)(g)/....................................... 2002     50.54        47.92           0.37 
                                                           2003     47.92        61.45         591.57 
                                                           2004     61.45        67.09       2,610.30 
                                                           2005     67.09        68.42       3,234.00 
                                                           2006     68.42        76.88       3,193.59 
                                                           2007     76.88        80.66           0.00 

BlackRock Large Cap Value Investment Division/(a)/........ 2002      8.60         7.91           0.00 
                                                           2003      7.91        10.58         207.85 
                                                           2004     10.58        11.82       3,956.72 
                                                           2005     11.82        12.32       5,567.18 
                                                           2006     12.32        14.49       9,625.48 
                                                           2007     14.49        14.74      18,627.73 
                                                           2008     14.74         9.44      23,978.16 
                                                           2009      9.44        10.35      26,748.29 
                                                           2010     10.35        11.13      34,172.04 

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                                                             BEGINNING                 NUMBER OF  
                                                              OF YEAR    END OF YEAR  ACCUMULATION
                                                            ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                    YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                    ---- ------------ ------------ ------------
                                                                                                  
BlackRock Legacy Large Cap Growth Investment                                                      
  Division/(a)/....................................... 2002    $20.53       $17.94          0.00  
                                                       2003     17.94        23.96         19.58  
                                                       2004     23.96        25.67        383.03  
                                                       2005     25.67        27.05        496.87  
                                                       2006     27.05        27.74      1,265.24  
                                                       2007     27.74        32.43      1,338.96  
                                                       2008     32.43        20.26      2,890.03  
                                                       2009     20.26        27.30      5,421.79  
                                                       2010     27.30        32.20      5,935.03  

BlackRock Legacy Large Cap Growth Investment Division                                             
  (formerly FI Large Cap Investment Division)/(k)/.... 2006     17.25        17.46         58.23  
                                                       2007     17.46        17.88        444.06  
                                                       2008     17.88         9.71        585.67  
                                                       2009      9.71        10.12          0.00  

BlackRock Money Market Investment Division/(b)/....... 2003     22.61        22.49          0.00  
                                                       2004     22.49        22.36          0.00  
                                                       2005     22.36        22.65          0.00  
                                                       2006     22.65        23.38          0.00  
                                                       2007     23.38        24.19          0.00  
                                                       2008     24.19        24.49          0.00  
                                                       2009     24.49        24.24          0.00  
                                                       2010     24.24        23.93          0.00  

Calvert VP SRI Balanced Investment Division                                                       
  (formerly Calvert Social Balanced Investment                                                    
  Division/(a)/)...................................... 2002     17.46        17.13          5.79  
                                                       2003     17.13        20.18      1,918.65  
                                                       2004     20.18        21.57      4,593.81  
                                                       2005     21.57        22.49      7,424.82  
                                                       2006     22.49        24.15      8,311.30  
                                                       2007     24.15        24.49      9,079.89  
                                                       2008     24.49        16.60      8,928.73  
                                                       2009     16.60        20.53      9,306.13  
                                                       2010     20.53        22.72      9,589.21  

Clarion Global Real Estate Investment Division/(d)/... 2004      9.99        12.84      5,322.67  
                                                       2005     12.84        14.36     14,667.91  
                                                       2006     14.36        19.50     25,498.77  
                                                       2007     19.50        16.36     35,878.78  
                                                       2008     16.36         9.41     38,464.10  
                                                       2009      9.41        12.52     40,091.83  
                                                       2010     12.52        14.35     41,121.47  

Davis Venture Value Investment Division/(a)/.......... 2002     22.37        21.78          0.00  
                                                       2003     21.78        28.11        664.92  
                                                       2004     28.11        31.06      4,447.76  
                                                       2005     31.06        33.72     13,592.62  
                                                       2006     33.72        38.06     28,002.64  
                                                       2007     38.06        39.20     34,928.19  
                                                       2008     39.20        23.40     36,081.94  
                                                       2009     23.40        30.41     41,118.00  
                                                       2010     30.41        33.53     43,700.94  

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                                                             BEGINNING                 NUMBER OF  
                                                              OF YEAR    END OF YEAR  ACCUMULATION
                                                            ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                    YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                    ---- ------------ ------------ ------------
                                                                                                  
FI Value Leaders Investment Division/(a)/............. 2002   $ 19.69      $ 18.71          0.00  
                                                       2003     18.71        23.43         35.20  
                                                       2004     23.43        26.26        177.38  
                                                       2005     26.26        28.62      1,050.87  
                                                       2006     28.62        31.55        942.92  
                                                       2007     31.55        32.37      1,813.16  
                                                       2008     32.37        19.45      1,960.29  
                                                       2009     19.45        23.33      2,540.49  
                                                       2010     23.33        26.32      2,804.64  

Harris Oakmark International Investment Division/(a)/. 2002      9.90         8.84          0.00  
                                                       2003      8.84        11.78        208.96  
                                                       2004     11.78        14.01      4,441.45  
                                                       2005     14.01        15.80     16,084.95  
                                                       2006     15.80        20.10     37,615.27  
                                                       2007     20.10        19.61     43,819.92  
                                                       2008     19.61        11.44     43,519.19  
                                                       2009     11.44        17.52     52,093.22  
                                                       2010     17.52        20.13     59,032.72  

Invesco Small Cap Growth Investment Division                                                      
  (formerly Met/AIM Small Cap Growth Investment                                                   
  Division/(a)/)...................................... 2002      8.92         8.48          0.00  
                                                       2003      8.48        11.62        182.58  
                                                       2004     11.62        12.21        511.32  
                                                       2005     12.21        13.05      1,033.94  
                                                       2006     13.05        14.71      1,207.37  
                                                       2007     14.71        16.13      1,491.25  
                                                       2008     16.13         9.75      5,272.31  
                                                       2009      9.75        12.88      8,765.61  
                                                       2010     12.88        16.05      9,403.99  

Janus Forty Investment Division/(h)/.................. 2007    149.54       183.57        128.73  
                                                       2008    183.57       105.10      1,781.20  
                                                       2009    105.10       148.20      2,785.17  
                                                       2010    148.20       160.03      3,095.25  

Lazard Mid Cap Investment Division/(a)/............... 2002      9.99         9.67          0.00  
                                                       2003      9.67        12.05      1,038.85  
                                                       2004     12.05        13.61      2,361.56  
                                                       2005     13.61        14.51      3,263.02  
                                                       2006     14.51        16.43      8,026.22  
                                                       2007     16.43        15.78     10,653.28  
                                                       2008     15.78         9.61      9,981.88  
                                                       2009      9.61        12.97     10,818.50  
                                                       2010     12.97        15.73     10,069.99  

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                                                           BEGINNING                 NUMBER OF  
                                                            OF YEAR    END OF YEAR  ACCUMULATION
                                                          ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                  YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                  ---- ------------ ------------ ------------
                                                                                                
Loomis Sayles Small Cap Core Investment Division                                                
  (formerly Loomis Sayles Small Cap Investment                                                  
  Divisions)/(a)/................................... 2002    $19.00       $17.35          0.00  
                                                     2003     17.35        23.37        436.65  
                                                     2004     23.37        26.82      1,219.11  
                                                     2005     26.82        28.24      2,463.70  
                                                     2006     28.24        32.44      3,705.90  
                                                     2007     32.44        35.75      6,825.27  
                                                     2008     35.75        22.56      8,658.17  
                                                     2009     22.56        28.93      9,112.87  
                                                     2010     28.93        36.33      9,487.55  

Loomis Sayles Small Cap Growth Investment Division                                              
  (formerly Franklin Templeton Small Cap Growth                                                 
  Investment Division)/(a)/......................... 2002      6.74         6.25          0.00  
                                                     2003      6.25         8.92        861.82  
                                                     2004      8.92         9.79      3,198.31  
                                                     2005      9.79        10.08      4,278.03  
                                                     2006     10.08        10.92      5,493.72  
                                                     2007     10.92        11.25      6,326.66  
                                                     2008     11.25         6.51      7,769.04  
                                                     2009      6.51         8.34      9,216.93  
                                                     2010      8.34        10.81     11,366.04  

Lord Abbett Bond Debenture Investment Division/(a)/. 2002     13.34        13.65          0.00  
                                                     2003     13.65        16.05        992.83  
                                                     2004     16.05        17.14      5,397.78  
                                                     2005     17.14        17.17     10,786.13  
                                                     2006     17.17        18.50     15,648.49  
                                                     2007     18.50        19.46     21,232.32  
                                                     2008     19.46        15.63     22,981.94  
                                                     2009     15.63        21.11     24,179.23  
                                                     2010     21.11        23.54     27,456.23  

Met/Artisan Mid Cap Value Investment Division                                                   
  (formerly Harris Oakmark Focused Value Investment                                             
  Division)/(a)/.................................... 2002     22.72        23.39          0.00  
                                                     2003     23.39        30.55      1,755.56  
                                                     2004     30.55        33.07      5,787.83  
                                                     2005     33.07        35.81     12,211.04  
                                                     2006     35.81        39.65     15,415.48  
                                                     2007     39.65        36.37     16,720.02  
                                                     2008     36.37        19.33     15,675.24  
                                                     2009     19.33        26.95     16,751.51  
                                                     2010     26.95        30.53     15,624.85  

Met/Franklin Income Investment Division/(i)/........ 2008      9.99         7.99        560.21  
                                                     2009      7.99        10.08      6,951.84  
                                                     2010     10.08        11.13     10,665.08  

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
Met/Franklin Mutual Shares Investment Division/(i)/.... 2008    $ 9.99       $ 6.60        678.26  
                                                        2009      6.60         8.14      7,047.17  
                                                        2010      8.14         8.92      9,430.97  

Met/Franklin Templeton Founding Strategy Investment                                                
  Division/(i)/........................................ 2008      9.99         7.03      1,798.91  
                                                        2009      7.03         8.93     37,257.96  
                                                        2010      8.93         9.70     47,853.10  

Met/Templeton Growth Investment Division/(i)/.......... 2008      9.99         6.57          0.00  
                                                        2009      6.57         8.60      4,684.01  
                                                        2010      8.60         9.14      6,926.56  

MetLife Mid Cap Stock Index Investment Division/(a)/... 2002      8.97         8.64        199.54  
                                                        2003      8.64        11.47      5,819.44  
                                                        2004     11.47        13.11     10,497.05  
                                                        2005     13.11        14.49     22,360.55  
                                                        2006     14.49        15.71     29,660.75  
                                                        2007     15.71        16.67     36,068.29  
                                                        2008     16.67        10.47     44,570.58  
                                                        2009     10.47        14.14     42,534.39  
                                                        2010     14.14        17.58     40,892.15  

MetLife Stock Index Investment Division/(a)/........... 2002     28.42        27.14          7.64  
                                                        2003     27.14        34.25      8,207.04  
                                                        2004     34.25        37.29     25,924.52  
                                                        2005     37.29        38.42     48,991.14  
                                                        2006     38.42        43.68     61,260.76  
                                                        2007     43.68        45.26     66,152.91  
                                                        2008     45.26        28.03     79,921.98  
                                                        2009     28.03        34.83     78,376.53  
                                                        2010     34.83        39.37     87,739.79  

MFS(R) Research International Investment Division/(a)/. 2002      7.81         7.30          0.00  
                                                        2003      7.30         9.51      1,173.20  
                                                        2004      9.51        11.23      4,798.84  
                                                        2005     11.23        12.91      8,939.85  
                                                        2006     12.91        16.12     18,776.94  
                                                        2007     16.12        18.03     26,177.24  
                                                        2008     18.03        10.26     39,061.04  
                                                        2009     10.26        13.32     43,850.06  
                                                        2010     13.32        14.65     43,633.23  

MFS(R) Total Return Investment Division/(a)/........... 2002     32.46        32.23          0.57  
                                                        2003     32.23        37.14      1,772.11  
                                                        2004     37.14        40.68      6,580.74  
                                                        2005     40.68        41.31     10,059.10  
                                                        2006     41.31        45.64     12,375.50  
                                                        2007     45.64        46.90     15,030.22  
                                                        2008     46.90        35.95     12,993.98  
                                                        2009     35.95        41.98     14,899.44  
                                                        2010     41.98        45.50     14,891.42  

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
MFS(R) Value Investment Division/(a)/.................. 2002    $10.04       $ 9.71          0.00  
                                                        2003      9.71        12.00     10,221.49  
                                                        2004     12.00        13.17     18,229.30  
                                                        2005     13.17        12.79     26,656.12  
                                                        2006     12.79        14.87     31,680.13  
                                                        2007     14.87        14.09     38,874.85  
                                                        2008     14.09         9.22     37,791.46  
                                                        2009      9.22        10.97     42,121.12  
                                                        2010     10.97        12.04     43,477.77  

Morgan Stanley EAFE(R) Index Investment Division/(a)/.. 2002      7.89         7.01        248.58  
                                                        2003      7.01         9.50     13,651.82  
                                                        2004      9.50        11.19     27,550.49  
                                                        2005     11.19        12.47     41,684.88  
                                                        2006     12.47        15.44     54,371.66  
                                                        2007     15.44        16.85     65,823.33  
                                                        2008     16.85         9.61     85,082.09  
                                                        2009      9.61        12.17     90,450.02  
                                                        2010     12.17        12.96     92,378.75  

Morgan Stanley Mid Cap Growth Investment Division/(l)/. 2010     13.04        15.16      8,071.74  

Morgan Stanley Mid Cap Growth Investment Division                                                  
  (formerly FI Mid Cap Opportunities Investment                                                    
  Division)/(a)(c)/.................................... 2002     11.28        10.87          0.00  
                                                        2003     10.87        14.41          0.00  
                                                        2004     14.41        16.62      2,034.83  
                                                        2005     16.62        17.50      3,054.68  
                                                        2006     17.50        19.27      3,011.15  
                                                        2007     19.27        20.57      5,910.11  
                                                        2008     20.57         9.04      5,575.85  
                                                        2009      9.04        11.92      5,817.85  
                                                        2010     11.92        12.91          0.00  

Neuberger Berman Genesis Investment Division                                                       
  (formerly BlackRock Strategic Value Investment                                                   
  Division)/(a)/....................................... 2002     12.77        10.84          0.00  
                                                        2003     10.84        16.03      7,055.96  
                                                        2004     16.03        18.20     17,455.80  
                                                        2005     18.20        18.67     27,140.41  
                                                        2006     18.67        21.46     29,225.58  
                                                        2007     21.46        20.40     31,186.86  
                                                        2008     20.40        12.37     30,480.30  
                                                        2009     12.37        13.78     31,525.39  
                                                        2010     13.78        16.50     29,188.76  

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                                                                 BEGINNING                 NUMBER OF  
                                                                  OF YEAR    END OF YEAR  ACCUMULATION
                                                                ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                        YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                        ---- ------------ ------------ ------------
                                                                                                      
Neuberger Berman Mid Cap Value Investment Division/(a)/... 2002    $14.02       $13.38           0.00 
                                                           2003     13.38        17.99       6,300.85 
                                                           2004     17.99        21.78      12,910.42 
                                                           2005     21.78        24.06      24,228.49 
                                                           2006     24.06        26.41      32,571.06 
                                                           2007     26.41        26.90      37,834.81 
                                                           2008     26.90        13.95      40,957.57 
                                                           2009     13.95        20.34      41,369.04 
                                                           2010     20.34        25.31      42,070.33 

Oppenheimer Capital Appreciation Investment Division/(a)/. 2002      6.55         6.29           0.00 
                                                           2003      6.29         7.98         940.97 
                                                           2004      7.98         8.38       3,390.58 
                                                           2005      8.38         8.67       5,442.23 
                                                           2006      8.67         9.21       8,140.24 
                                                           2007      9.21        10.39      12,572.77 
                                                           2008     10.39         5.54      14,152.91 
                                                           2009      5.54         7.86      14,413.61 
                                                           2010      7.86         8.49      19,817.63 

PIMCO Inflation Protected Bond Investment Division/(f)/... 2006     11.02        11.14       2,303.23 
                                                           2007     11.14        12.18       1,951.66 
                                                           2008     12.18        11.20      27,096.87 
                                                           2009     11.20        13.05      31,817.32 
                                                           2010     13.05        13.88      45,893.63 

PIMCO Total Return Investment Division/(a)/............... 2002     10.93        11.37           0.00 
                                                           2003     11.37        11.71       4,216.29 
                                                           2004     11.71        12.13      18,810.86 
                                                           2005     12.13        12.25      41,307.11 
                                                           2006     12.25        12.64      67,095.50 
                                                           2007     12.64        13.41      80,517.67 
                                                           2008     13.41        13.30     101,481.29 
                                                           2009     13.30        15.49     128,561.48 
                                                           2010     15.49        16.54     145,520.29 

RCM Technology Investment Division/(a)/................... 2002      3.68         2.96           0.00 
                                                           2003      2.96         4.61       1,331.34 
                                                           2004      4.61         4.35       6,686.22 
                                                           2005      4.35         4.77       9,440.12 
                                                           2006      4.77         4.96      13,847.75 
                                                           2007      4.96         6.44      15,799.74 
                                                           2008      6.44         3.53      20,087.22 
                                                           2009      3.53         5.54      25,129.08 
                                                           2010      5.54         6.99      30,849.37 

Russell 2000(R) Index Investment Division/(a)/............ 2002     10.04         9.31           3.17 
                                                           2003      9.31        13.39       5,292.97 
                                                           2004     13.39        15.51      12,562.79 
                                                           2005     15.51        15.97      19,201.60 
                                                           2006     15.97        18.54      24,030.54 
                                                           2007     18.54        17.99      30,128.97 
                                                           2008     17.99        11.77      31,114.92 
                                                           2009     11.77        14.61      31,264.57 
                                                           2010     14.61        18.25      33,126.76 

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                                                                 BEGINNING                 NUMBER OF  
                                                                  OF YEAR    END OF YEAR  ACCUMULATION
                                                                ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                        YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                        ---- ------------ ------------ ------------
                                                                                                      
SSgA Growth ETF Investment Division                                                                   
  (formerly Cyclical Growth ETF Investment Division)/(f)/. 2006    $10.71       $11.43          0.00  
                                                           2007     11.43        11.91      1,481.95  
                                                           2008     11.91         7.88      1,590.76  
                                                           2009      7.88        10.04      8,371.48  
                                                           2010     10.04        11.32     16,964.90  

SSgA Growth and Income ETF Investment Division                                                        
  (formerly Cyclical Growth and Income ETF Investment                                                 
  Division)/(f)/.......................................... 2006     10.51        11.17          0.00  
                                                           2007     11.17        11.62        807.57  
                                                           2008     11.62         8.59        796.14  
                                                           2009      8.59        10.60      2,282.99  
                                                           2010     10.60        11.74     15,438.69  

T. Rowe Price Large Cap Growth Investment Division/(a)/... 2002      8.93         8.71          3.33  
                                                           2003      8.71        11.24      2,228.75  
                                                           2004     11.24        12.17      7,950.56  
                                                           2005     12.17        12.77     12,533.58  
                                                           2006     12.77        14.23     18,411.25  
                                                           2007     14.23        15.34     22,993.55  
                                                           2008     15.34         8.78     20,653.91  
                                                           2009      8.78        12.39     22,747.12  
                                                           2010     12.39        14.28     25,221.50  

T. Rowe Price Mid Cap Growth Investment Division/(a)/..... 2002      4.84         4.55          0.00  
                                                           2003      4.55         6.14      2,759.96  
                                                           2004      6.14         7.14      8,853.66  
                                                           2005      7.14         8.08     18,443.49  
                                                           2006      8.08         8.47     27,143.41  
                                                           2007      8.47         9.83     39,282.99  
                                                           2008      9.83         5.84     47,398.12  
                                                           2009      5.84         8.39     64,008.01  
                                                           2010      8.39        10.58     73,858.53  

T. Rowe Price Small Cap Growth Investment Division/(a)/... 2002      8.91         8.72          0.00  
                                                           2003      8.72        12.14        283.40  
                                                           2004     12.14        13.30      7,007.65  
                                                           2005     13.30        14.53      8,186.87  
                                                           2006     14.53        14.87     10,355.33  
                                                           2007     14.87        16.07     10,756.81  
                                                           2008     16.07        10.10     10,279.57  
                                                           2009     10.10        13.83     10,384.15  
                                                           2010     13.83        18.38     13,040.96  

Third Avenue Small Cap Value Investment Division/(a)/..... 2002      9.02         8.23          0.00  
                                                           2003      8.23        11.49         29.50  
                                                           2004     11.49        14.35        474.81  
                                                           2005     14.35        16.36      5,666.90  
                                                           2006     16.36        18.27      9,126.40  
                                                           2007     18.27        17.49     10,474.99  
                                                           2008     17.49        12.11     10,563.96  
                                                           2009     12.11        15.12     13,039.77  
                                                           2010     15.12        17.90     15,608.22  

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                                                                BEGINNING                 NUMBER OF  
                                                                 OF YEAR    END OF YEAR  ACCUMULATION
                                                               ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                       YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                       ---- ------------ ------------ ------------
                                                                                                     
Western Asset Management Strategic Bond Opportunities                                                
  Investment Division/(a)/............................... 2002    $16.18       $17.13           0.00 
                                                          2003     17.13        19.04         389.90 
                                                          2004     19.04        19.98       6,424.70 
                                                          2005     19.98        20.22      12,349.61 
                                                          2006     20.22        20.93      14,381.41 
                                                          2007     20.93        21.42      17,530.31 
                                                          2008     21.42        17.92      15,034.01 
                                                          2009     17.92        23.34      14,292.74 
                                                          2010     23.34        25.91      16,052.15 

Western Asset Management U.S. Government Investment                                                  
  Division/(a)/.......................................... 2002     15.21        15.68           0.00 
                                                          2003     15.68        15.73         926.93 
                                                          2004     15.73        15.95       5,024.99 
                                                          2005     15.95        15.96      11,883.68 
                                                          2006     15.96        16.37      16,352.16 
                                                          2007     16.37        16.81      19,693.73 
                                                          2008     16.81        16.50      14,702.25 
                                                          2009     16.50        16.96      16,976.71 
                                                          2010     16.96        17.66      19,610.92 

MetLife Aggressive Allocation Investment Division/(e)/... 2005      9.99        11.15       3,359.18 
                                                          2006     11.15        12.73       5,819.60 
                                                          2007     12.73        12.98      14,094.74 
                                                          2008     12.98         7.63      15,193.46 
                                                          2009      7.63         9.90      19,602.40 
                                                          2010      9.90        11.31      18,400.42 

MetLife Conservative Allocation Investment Division/(e)/. 2005      9.99        10.30       1,175.75 
                                                          2006     10.30        10.87       4,128.53 
                                                          2007     10.87        11.33       6,370.56 
                                                          2008     11.33         9.57      10,147.11 
                                                          2009      9.57        11.39      23,632.42 
                                                          2010     11.39        12.37      34,512.17 

MetLife Conservative to Moderate Allocation Investment                                               
  Division/(e)/.......................................... 2005      9.99        10.52       2,212.95 
                                                          2006     10.52        11.36      15,593.91 
                                                          2007     11.36        11.76      40,950.77 
                                                          2008     11.76         9.10      68,542.11 
                                                          2009      9.10        11.11      63,745.06 
                                                          2010     11.11        12.23      83,743.46 

MetLife Moderate Allocation Investment Division/(e)/..... 2005      9.99        10.75      11,668.37 
                                                          2006     10.75        11.87      67,045.34 
                                                          2007     11.87        12.22     120,718.32 
                                                          2008     12.22         8.61     152,563.63 
                                                          2009      8.61        10.75     222,239.06 
                                                          2010     10.75        12.01     273,868.31 

MetLife Moderate to Aggressive Allocation Investment                                                 
  Division/(e)/.......................................... 2005      9.99        10.98         309.33 
                                                          2006     10.98        12.38      45,181.90 
                                                          2007     12.38        12.69     173,779.52 
                                                          2008     12.69         8.12     160,279.43 
                                                          2009      8.12        10.35     253,121.59 
                                                          2010     10.35        11.72     393,727.14 

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METLIFE FINANCIAL FREEDOM SELECT  
1.25 SEPARATE ACCOUNT CHARGE  

                                                        [Enlarge/Download Table]

                                                                   BEGINNING                 NUMBER OF  
                                                                    OF YEAR    END OF YEAR  ACCUMULATION
                                                                  ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                          YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                          ---- ------------ ------------ ------------
                                                                                                        
American Funds Balanced Allocation Investment Division                                                  
  (Class C)/(i)/............................................ 2008   $ 10.00      $  7.02      23,695.39 
                                                             2009      7.02         8.96      49,092.20 
                                                             2010      8.96         9.93      78,862.40 

American Funds Bond Investment Division (Class 2)/(f)(j)/... 2006     14.69        15.41      11,192.15 
                                                             2007     15.41        15.68      30,652.67 
                                                             2008     15.68        14.00      31,408.07 
                                                             2009     14.00        15.53      45,274.00 
                                                             2010     15.53        16.29      54,084.24 

American Funds Global Small Capitalization Investment                                                   
  Division (Class 2)/(a)(j)/................................ 2002     12.10        10.76         557.68 
                                                             2003     10.76        16.28       9,980.89 
                                                             2004     16.28        19.38      32,169.56 
                                                             2005     19.38        23.94      53,815.74 
                                                             2006     23.94        29.25      90,191.95 
                                                             2007     29.25        34.99     131,719.59 
                                                             2008     34.99        16.02     169,468.34 
                                                             2009     16.02        25.45     193,439.03 
                                                             2010     25.45        30.70     208,123.10 

American Funds Growth Allocation Investment Division                                                    
  (Class C)/(i)/............................................ 2008      9.99         6.36      64,878.63 
                                                             2009      6.36         8.43     152,387.42 
                                                             2010      8.43         9.44     178,649.80 

American Funds Growth Investment Division (Class 2)/(a)(j)/. 2002     86.92        83.94         176.60 
                                                             2003     83.94       113.13       2,601.77 
                                                             2004    113.13       125.36      11,142.92 
                                                             2005    125.36       143.50      20,806.09 
                                                             2006    143.50       155.81      34,951.88 
                                                             2007    155.81       172.44      44,644.32 
                                                             2008    172.44        95.17      54,705.21 
                                                             2009     95.17       130.70      62,292.46 
                                                             2010    130.70       152.81      68,284.27 

American Funds Growth-Income Investment Division                                                        
  (Class 2)/(a)(j)/......................................... 2002     71.90        67.48         199.45 
                                                             2003     67.48        88.04       3,257.00 
                                                             2004     88.04        95.72      12,708.35 
                                                             2005     95.72        99.80      24,898.68 
                                                             2006     99.80       113.26      33,231.64 
                                                             2007    113.26       117.19      41,703.72 
                                                             2008    117.19        71.75      44,450.69 
                                                             2009     71.75        92.76      50,541.67 
                                                             2010     92.76       101.82      56,504.40 

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                                                                 BEGINNING                 NUMBER OF  
                                                                  OF YEAR    END OF YEAR  ACCUMULATION
                                                                ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                        YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                        ---- ------------ ------------ ------------
                                                                                                      
American Funds Moderate Allocation Investment Division                                                
  (Class C)/(i)/.......................................... 2008    $10.01       $ 7.69      30,826.13 
                                                           2009      7.69         9.38     109,227.75 
                                                           2010      9.38        10.18     193,343.64 

Barclays Capital Aggregate Bond Index Investment Division                                             
  (formerly Lehman Brothers(R) Aggregate Bond Index                                                   
  Investment Division)/(a)/............................... 2002     11.78        12.31          17.54 
                                                           2003     12.31        12.57      38,474.72 
                                                           2004     12.57        12.89     102,915.96 
                                                           2005     12.89        12.96     205,314.72 
                                                           2006     12.96        13.29     264,244.45 
                                                           2007     13.29        14.00     327,729.86 
                                                           2008     14.00        14.61     282,103.21 
                                                           2009     14.61        15.14     340,842.79 
                                                           2010     15.14        15.81     419,975.23 

BlackRock Bond Income Investment Division/(a)/............ 2002     41.57        43.17           0.64 
                                                           2003     43.17        45.02         540.42 
                                                           2004     45.02        46.31       5,630.30 
                                                           2005     46.31        46.72      11,847.49 
                                                           2006     46.72        48.05      19,508.65 
                                                           2007     48.05        50.31      25,543.28 
                                                           2008     50.31        47.86      26,578.65 
                                                           2009     47.86        51.61      27,192.78 
                                                           2010     51.61        55.08      30,229.93 

BlackRock Large Cap Core Investment Division*/(g)/........ 2007     80.94        81.72       5,796.29 
                                                           2008     81.72        50.59       6,442.67 
                                                           2009     50.59        59.55       7,097.46 
                                                           2010     59.55        66.14       7,342.46 

BlackRock Large Cap Investment Division (formerly                                                     
  BlackRock Investment Trust Investment Division)/(a)(g)/. 2002     51.02        48.39           0.00 
                                                           2003     48.39        62.09         883.88 
                                                           2004     62.09        67.81       2,900.48 
                                                           2005     67.81        69.19       5,431.09 
                                                           2006     69.19        77.79       5,036.59 
                                                           2007     77.79        81.62           0.00 

BlackRock Large Cap Value Investment Division/(a)/........ 2002      8.60         7.91           1.23 
                                                           2003      7.91        10.59       1,196.72 
                                                           2004     10.59        11.84       7,231.85 
                                                           2005     11.84        12.34      19,718.01 
                                                           2006     12.34        14.52      48,280.56 
                                                           2007     14.52        14.79      75,807.81 
                                                           2008     14.79         9.47      90,392.29 
                                                           2009      9.47        10.39     114,110.62 
                                                           2010     10.39        11.18     137,754.16 

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                                                             BEGINNING                 NUMBER OF  
                                                              OF YEAR    END OF YEAR  ACCUMULATION
                                                            ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                    YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                    ---- ------------ ------------ ------------
                                                                                                  
BlackRock Legacy Large Cap Growth Investment                                                      
  Division/(a)/....................................... 2002    $20.61       $18.02           0.00 
                                                       2003     18.02        24.07         673.68 
                                                       2004     24.07        25.80       2,340.14 
                                                       2005     25.80        27.20       4,215.16 
                                                       2006     27.20        27.91       7,416.89 
                                                       2007     27.91        32.64      12,876.15 
                                                       2008     32.64        20.41      19,315.95 
                                                       2009     20.41        27.51      31,480.55 
                                                       2010     27.51        32.46      38,677.78 

BlackRock Legacy Large Cap Growth Investment Division                                             
  (formerly FI Large Cap Investment Division)/(k)/.... 2006     17.34        17.56          32.68 
                                                       2007     17.56        17.98       2,030.63 
                                                       2008     17.98         9.77       2,913.84 
                                                       2009      9.77        10.19           0.00 

BlackRock Money Market Investment Division/(b)/....... 2003     22.83        22.72           0.00 
                                                       2004     22.72        22.60           0.00 
                                                       2005     22.60        22.91           0.00 
                                                       2006     22.91        23.65           0.00 
                                                       2007     23.65        24.48           0.00 
                                                       2008     24.48        24.81           0.00 
                                                       2009     24.81        24.56           0.00 
                                                       2010     24.56        24.26           0.00 

Calvert VP SRI Balanced Investment Division                                                       
  (formerly Calvert Social Balanced Investment                                                    
  Division/(a)/)...................................... 2002     17.55        17.22           0.00 
                                                       2003     17.22        20.29         777.36 
                                                       2004     20.29        21.70       3,141.99 
                                                       2005     21.70        22.64       5,951.19 
                                                       2006     22.64        24.32      13,156.87 
                                                       2007     24.32        24.68      13,300.84 
                                                       2008     24.68        16.74      16,907.54 
                                                       2009     16.74        20.71      21,820.35 
                                                       2010     20.71        22.93      20,662.01 

Clarion Global Real Estate Investment Division/(d)/... 2004      9.99        12.84      11,581.70 
                                                       2005     12.84        14.37      42,000.82 
                                                       2006     14.37        19.52      90,382.44 
                                                       2007     19.52        16.39     109,841.59 
                                                       2008     16.39         9.44     124,724.55 
                                                       2009      9.44        12.56     131,566.52 
                                                       2010     12.56        14.40     141,615.72 

Davis Venture Value Investment Division/(a)/.......... 2002     22.46        21.87           0.00 
                                                       2003     21.87        28.24       1,875.67 
                                                       2004     28.24        31.22      11,457.85 
                                                       2005     31.22        33.91      29,844.72 
                                                       2006     33.91        38.29      61,001.71 
                                                       2007     38.29        39.45      91,088.61 
                                                       2008     39.45        23.56     112,177.12 
                                                       2009     23.56        30.64     123,267.53 
                                                       2010     30.64        33.80     133,911.58 

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                                                             BEGINNING                 NUMBER OF  
                                                              OF YEAR    END OF YEAR  ACCUMULATION
                                                            ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                    YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                    ---- ------------ ------------ ------------
                                                                                                  
FI Value Leaders Investment Division/(a)/............. 2002   $ 19.78      $ 18.80           0.00 
                                                       2003     18.80        23.56       2,175.01 
                                                       2004     23.56        26.41       5,714.67 
                                                       2005     26.41        28.81      12,826.61 
                                                       2006     28.81        31.77      20,349.77 
                                                       2007     31.77        32.61      25,293.61 
                                                       2008     32.61        19.61      27,720.40 
                                                       2009     19.61        23.52      28,790.91 
                                                       2010     23.52        26.55      30,772.40 

Harris Oakmark International Investment Division/(a)/. 2002      9.90         8.84           0.00 
                                                       2003      8.84        11.79       1,704.64 
                                                       2004     11.79        14.03      14,362.17 
                                                       2005     14.03        15.83      37,553.48 
                                                       2006     15.83        20.15      87,080.07 
                                                       2007     20.15        19.67     144,563.14 
                                                       2008     19.67        11.48     146,263.02 
                                                       2009     11.48        17.59     162,253.72 
                                                       2010     17.59        20.22     212,409.13 

Invesco Small Cap Growth Investment Division                                                      
  (formerly Met/AIM Small Cap Growth Investment                                                   
  Division/(a)/)...................................... 2002      8.92         8.48           0.00 
                                                       2003      8.48        11.64         378.03 
                                                       2004     11.64        12.23       1,643.36 
                                                       2005     12.23        13.08       3,940.90 
                                                       2006     13.08        14.75       6,935.68 
                                                       2007     14.75        16.18      13,300.90 
                                                       2008     16.18         9.79      16,971.45 
                                                       2009      9.79        12.94      19,064.74 
                                                       2010     12.94        16.12      20,418.00 

Janus Forty Investment Division/(h)/.................. 2007    151.43       185.95         798.67 
                                                       2008    185.95       106.51       6,667.54 
                                                       2009    106.51       150.27      12,415.18 
                                                       2010    150.27       162.35      18,256.71 

Lazard Mid Cap Investment Division/(a)/............... 2002     10.00         9.68          55.05 
                                                       2003      9.68        12.06       3,497.54 
                                                       2004     12.06        13.63       5,787.16 
                                                       2005     13.63        14.54       9,521.77 
                                                       2006     14.54        16.47      12,501.98 
                                                       2007     16.47        15.83      22,878.08 
                                                       2008     15.83         9.64      24,616.10 
                                                       2009      9.64        13.02      27,600.18 
                                                       2010     13.02        15.80      38,020.00 

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                                                           BEGINNING                 NUMBER OF  
                                                            OF YEAR    END OF YEAR  ACCUMULATION
                                                          ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                  YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                  ---- ------------ ------------ ------------
                                                                                                
Loomis Sayles Small Cap Core Investment Division                                                
  (formerly Loomis Sayles Small Cap Investment                                                  
  Divisions)/(a)/................................... 2002    $19.08       $17.42          0.00  
                                                     2003     17.42        23.49        430.45  
                                                     2004     23.49        26.96      1,863.82  
                                                     2005     26.96        28.40      4,900.94  
                                                     2006     28.40        32.65     15,693.52  
                                                     2007     32.65        35.99     22,855.24  
                                                     2008     35.99        22.73     21,501.83  
                                                     2009     22.73        29.16     21,946.62  
                                                     2010     29.16        36.64     25,083.33  

Loomis Sayles Small Cap Growth Investment Division                                              
  (formerly Franklin Templeton Small Cap Growth                                                 
  Investment Division)/(a)/......................... 2002      6.74         6.25          1.07  
                                                     2003      6.25         8.93      2,561.45  
                                                     2004      8.93         9.80      4,385.38  
                                                     2005      9.80        10.11      7,510.69  
                                                     2006     10.11        10.95     12,060.14  
                                                     2007     10.95        11.28     17,747.54  
                                                     2008     11.28         6.54     22,091.02  
                                                     2009      6.54         8.37     25,613.36  
                                                     2010      8.37        10.86     27,843.91  

Lord Abbett Bond Debenture Investment Division/(a)/. 2002     13.38        13.69          0.00  
                                                     2003     13.69        16.12      1,981.64  
                                                     2004     16.12        17.21      8,587.43  
                                                     2005     17.21        17.26     23,450.00  
                                                     2006     17.26        18.60     45,738.67  
                                                     2007     18.60        19.57     70,857.63  
                                                     2008     19.57        15.73     77,907.52  
                                                     2009     15.73        21.25     86,973.56  
                                                     2010     21.25        23.71     95,482.34  

Met/Artisan Mid Cap Value Investment Division                                                   
  (formerly Harris Oakmark Focused Value Investment                                             
  Division)/(a)/.................................... 2002     22.83        23.50          1.02  
                                                     2003     23.50        30.71      7,695.71  
                                                     2004     30.71        33.26     25,237.45  
                                                     2005     33.26        36.04     44,612.30  
                                                     2006     36.04        39.92     52,659.81  
                                                     2007     39.92        36.63     54,931.52  
                                                     2008     36.63        19.49     56,108.74  
                                                     2009     19.49        27.17     55,578.19  
                                                     2010     27.17        30.80     56,398.35  

Met/Franklin Income Investment Division/(i)/........ 2008      9.99         7.99      1,937.75  
                                                     2009      7.99        10.09      6,608.10  
                                                     2010     10.09        11.14     20,273.98  

Met/Franklin Mutual Shares Investment Division/(i)/. 2008      9.99         6.60      2,698.36  
                                                     2009      6.60         8.14      2,097.54  
                                                     2010      8.14         8.93     15,536.24  

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                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
Met/Franklin Templeton Founding Strategy Investment                                                
  Division/(i)/........................................ 2008    $ 9.99       $ 7.04       7,679.09 
                                                        2009      7.04         8.93      22,044.65 
                                                        2010      8.93         9.71      26,813.26 

Met/Templeton Growth Investment Division/(i)/.......... 2008      9.99         6.57       1,132.59 
                                                        2009      6.57         8.61       6,678.34 
                                                        2010      8.61         9.15      10,026.19 

MetLife Mid Cap Stock Index Investment Division/(a)/... 2002      8.98         8.65         187.20 
                                                        2003      8.65        11.49      13,757.52 
                                                        2004     11.49        13.13      32,870.98 
                                                        2005     13.13        14.53      59,192.70 
                                                        2006     14.53        15.76      82,502.56 
                                                        2007     15.76        16.74     109,888.53 
                                                        2008     16.74        10.51     131,074.88 
                                                        2009     10.51        14.20     155,813.34 
                                                        2010     14.20        17.67     160,695.96 

MetLife Stock Index Investment Division/(a)/........... 2002     28.60        27.31         444.58 
                                                        2003     27.31        34.49      11,042.87 
                                                        2004     34.49        37.56      54,080.78 
                                                        2005     37.56        38.72     114,095.58 
                                                        2006     38.72        44.05     148,632.31 
                                                        2007     44.05        45.66     198,235.70 
                                                        2008     45.66        28.29     254,666.91 
                                                        2009     28.29        35.18     285,745.44 
                                                        2010     35.18        39.78     325,473.64 

MFS(R) Research International Investment Division/(a)/. 2002      7.81         7.31           3.60 
                                                        2003      7.31         9.53       2,237.70 
                                                        2004      9.53        11.25       9,928.64 
                                                        2005     11.25        12.94      15,108.88 
                                                        2006     12.94        16.17      39,835.88 
                                                        2007     16.17        18.09      63,548.82 
                                                        2008     18.09        10.30      89,069.56 
                                                        2009     10.30        13.38     104,781.49 
                                                        2010     13.38        14.72     115,903.10 

MFS(R) Total Return Investment Division/(a)/........... 2002     32.71        32.48           0.00 
                                                        2003     32.48        37.45         813.24 
                                                        2004     37.45        41.05       3,319.32 
                                                        2005     41.05        41.69       7,916.83 
                                                        2006     41.69        46.09      18,599.64 
                                                        2007     46.09        47.39      24,407.57 
                                                        2008     47.39        36.34      24,687.40 
                                                        2009     36.34        42.46      27,389.02 
                                                        2010     42.46        46.04      29,118.27 

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                                                               BEGINNING                 NUMBER OF  
                                                                OF YEAR    END OF YEAR  ACCUMULATION
                                                              ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                      YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                      ---- ------------ ------------ ------------
                                                                                                    
MFS(R) Value Investment Division/(a)/................... 2002    $10.06       $ 9.73         323.04 
                                                         2003      9.73        12.03      20,898.58 
                                                         2004     12.03        13.21      47,327.08 
                                                         2005     13.21        12.83      81,629.90 
                                                         2006     12.83        14.93      97,471.07 
                                                         2007     14.93        14.15     118,286.34 
                                                         2008     14.15         9.26     118,061.83 
                                                         2009      9.26        11.03     117,130.80 
                                                         2010     11.03        12.12     126,976.80 

Morgan Stanley EAFE(R) Index Investment Division/(a)/... 2002      7.91         7.03         405.39 
                                                         2003      7.03         9.53      21,562.40 
                                                         2004      9.53        11.22      53,078.66 
                                                         2005     11.22        12.51     111,871.57 
                                                         2006     12.51        15.51     146,569.71 
                                                         2007     15.51        16.92     191,996.23 
                                                         2008     16.92         9.66     241,376.94 
                                                         2009      9.66        12.24     262,138.82 
                                                         2010     12.24        13.04     314,845.03 

Morgan Stanley Mid Cap Growth Investment Division/(l)/.. 2010     13.13        15.26      52,979.85 

Morgan Stanley Mid Cap Growth Investment Division                                                   
  (formerly FI Mid Cap Opportunities Investment                                                     
  Division)/(a)(c)/..................................... 2002     11.31        10.91           0.00 
                                                         2003     10.91        14.46           0.00 
                                                         2004     14.46        16.69       8,701.89 
                                                         2005     16.69        17.58      12,151.14 
                                                         2006     17.58        19.37      21,275.09 
                                                         2007     19.37        20.68      33,848.67 
                                                         2008     20.68         9.10      39,576.57 
                                                         2009      9.10        12.00      49,610.94 
                                                         2010     12.00        12.99           0.00 

Neuberger Berman Genesis Investment Division                                                        
  (formerly BlackRock Strategic Value Investment                                                    
  Division)/(a)/........................................ 2002     12.78        10.86         664.90 
                                                         2003     10.86        16.05      11,564.49 
                                                         2004     16.05        18.24      35,746.57 
                                                         2005     18.24        18.72      63,891.80 
                                                         2006     18.72        21.53      73,092.95 
                                                         2007     21.53        20.48      84,582.71 
                                                         2008     20.48        12.42      85,010.32 
                                                         2009     12.42        13.84      86,336.40 
                                                         2010     13.84        16.59      85,109.39 

Neuberger Berman Mid Cap Value Investment Division/(a)/. 2002     14.04        13.41           0.00 
                                                         2003     13.41        18.03       1,999.23 
                                                         2004     18.03        21.85      13,686.43 
                                                         2005     21.85        24.15      38,654.06 
                                                         2006     24.15        26.52      66,258.56 
                                                         2007     26.52        27.03      90,297.05 
                                                         2008     27.03        14.02     104,607.81 
                                                         2009     14.02        20.45     106,521.89 
                                                         2010     20.45        25.46     114,813.76 

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                                                                 BEGINNING                 NUMBER OF  
                                                                  OF YEAR    END OF YEAR  ACCUMULATION
                                                                ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                        YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                        ---- ------------ ------------ ------------
                                                                                                      
Oppenheimer Capital Appreciation Investment Division/(a)/. 2002    $ 6.55       $ 6.30         490.13 
                                                           2003      6.30         7.99       1,297.22 
                                                           2004      7.99         8.40       7,973.79 
                                                           2005      8.40         8.69      15,056.60 
                                                           2006      8.69         9.23      23,525.13 
                                                           2007      9.23        10.42      38,557.25 
                                                           2008     10.42         5.56      49,894.69 
                                                           2009      5.56         7.90      60,167.90 
                                                           2010      7.90         8.53      69,860.03 

PIMCO Inflation Protected Bond Investment Division/(f)/... 2006     11.04        11.16       1,016.65 
                                                           2007     11.16        12.21       6,604.14 
                                                           2008     12.21        11.23      60,635.35 
                                                           2009     11.23        13.09     115,423.41 
                                                           2010     13.09        13.93     147,938.86 

PIMCO Total Return Investment Division/(a)/............... 2002     10.93        11.38           1.97 
                                                           2003     11.38        11.73      14,215.84 
                                                           2004     11.73        12.16      41,826.85 
                                                           2005     12.16        12.28      89,228.83 
                                                           2006     12.28        12.67     121,051.40 
                                                           2007     12.67        13.46     125,705.69 
                                                           2008     13.46        13.35     133,471.50 
                                                           2009     13.35        15.56     219,866.07 
                                                           2010     15.56        16.62     275,112.04 

RCM Technology Investment Division/(a)/................... 2002      3.68         2.96           2.35 
                                                           2003      2.96         4.62       6,716.30 
                                                           2004      4.62         4.36      24,603.44 
                                                           2005      4.36         4.78      25,580.43 
                                                           2006      4.78         4.98      31,715.23 
                                                           2007      4.98         6.46      47,810.31 
                                                           2008      6.46         3.54      60,189.60 
                                                           2009      3.54         5.57     105,200.37 
                                                           2010      5.57         7.02     152,250.59 

Russell 2000(R) Index Investment Division/(a)/............ 2002     10.06         9.32         128.23 
                                                           2003      9.32        13.42       8,854.14 
                                                           2004     13.42        15.56      20,312.33 
                                                           2005     15.56        16.03      37,877.46 
                                                           2006     16.03        18.61      52,823.37 
                                                           2007     18.61        18.07      72,826.83 
                                                           2008     18.07        11.83      77,159.70 
                                                           2009     11.83        14.69      91,120.41 
                                                           2010     14.69        18.36     106,148.60 

SSgA Growth ETF Investment Division                                                                   
  (formerly Cyclical Growth ETF Investment Division)/(f)/. 2006     10.71        11.43         810.50 
                                                           2007     11.43        11.92       1,471.08 
                                                           2008     11.92         7.89       1,131.69 
                                                           2009      7.89        10.06      59,989.07 
                                                           2010     10.06        11.35     114,290.31 

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                                                               BEGINNING                 NUMBER OF  
                                                                OF YEAR    END OF YEAR  ACCUMULATION
                                                              ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                      YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                      ---- ------------ ------------ ------------
                                                                                                    
SSgA Growth and Income ETF Investment Division                                                      
  (formerly Cyclical Growth and Income ETF Investment                                               
  Division)/(f)/........................................ 2006    $10.52       $11.18         529.08 
                                                         2007     11.18        11.63         719.70 
                                                         2008     11.63         8.61       4,681.36 
                                                         2009      8.61        10.62      51,246.70 
                                                         2010     10.62        11.77      94,190.06 

T. Rowe Price Large Cap Growth Investment Division/(a)/. 2002      8.94         8.72           0.00 
                                                         2003      8.72        11.27       3,241.49 
                                                         2004     11.27        12.21      12,433.77 
                                                         2005     12.21        12.82      23,203.64 
                                                         2006     12.82        14.29      37,622.29 
                                                         2007     14.29        15.41      57,672.55 
                                                         2008     15.41         8.82      56,700.87 
                                                         2009      8.82        12.46      67,437.85 
                                                         2010     12.46        14.37      77,446.97 

T. Rowe Price Mid Cap Growth Investment Division/(a)/... 2002      4.84         4.55           0.00 
                                                         2003      4.55         6.15       2,513.05 
                                                         2004      6.15         7.15      12,867.84 
                                                         2005      7.15         8.10      36,733.24 
                                                         2006      8.10         8.49      82,534.12 
                                                         2007      8.49         9.86     134,469.83 
                                                         2008      9.86         5.87     197,698.55 
                                                         2009      5.87         8.43     241,004.76 
                                                         2010      8.43        10.63     283,766.63 

T. Rowe Price Small Cap Growth Investment Division/(a)/. 2002      8.93         8.75          90.72 
                                                         2003      8.75        12.18       1,207.58 
                                                         2004     12.18        13.35       7,339.04 
                                                         2005     13.35        14.60      11,013.68 
                                                         2006     14.60        14.94      25,240.67 
                                                         2007     14.94        16.16      31,188.14 
                                                         2008     16.16        10.16      32,954.85 
                                                         2009     10.16        13.92      43,461.76 
                                                         2010     13.92        18.51      50,162.81 

Third Avenue Small Cap Value Investment Division/(a)/... 2002      9.02         8.24           0.00 
                                                         2003      8.24        11.50       1,575.16 
                                                         2004     11.50        14.37       3,402.20 
                                                         2005     14.37        16.39      14,846.86 
                                                         2006     16.39        18.32      31,294.34 
                                                         2007     18.32        17.54      41,758.16 
                                                         2008     17.54        12.16      54,823.93 
                                                         2009     12.16        15.18      59,819.44 
                                                         2010     15.18        17.98      66,164.72 

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                                                                BEGINNING                 NUMBER OF  
                                                                 OF YEAR    END OF YEAR  ACCUMULATION
                                                               ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                       YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                       ---- ------------ ------------ ------------
                                                                                                     
Western Asset Management Strategic Bond Opportunities                                                
  Investment Division/(a)/............................... 2002    16.24        17.20             0.00
                                                          2003    17.20        19.13         6,448.48
                                                          2004    19.13        20.08        18,309.18
                                                          2005    20.08        20.34        26,774.36
                                                          2006    20.34        21.06        44,725.89
                                                          2007    21.06        21.56        56,045.55
                                                          2008    21.56        18.05        61,890.14
                                                          2009    18.05        23.51        55,652.31
                                                          2010    23.51        26.12        70,037.20

Western Asset Management U.S. Government Investment                                                  
  Division/(a)/.......................................... 2002    15.27        15.74             0.00
                                                          2003    15.74        15.80         1,102.58
                                                          2004    15.80        16.03         9,814.61
                                                          2005    16.03        16.05        26,071.81
                                                          2006    16.05        16.47        33,535.79
                                                          2007    16.47        16.92        39,618.60
                                                          2008    16.92        16.62        55,836.52
                                                          2009    16.62        17.08        56,864.74
                                                          2010    17.08        17.80        60,617.33

MetLife Aggressive Allocation Investment Division/(e)/... 2005     9.99        11.16         6,449.53
                                                          2006    11.16        12.74        24,157.56
                                                          2007    12.74        13.00        41,782.13
                                                          2008    13.00         7.64        96,445.46
                                                          2009     7.64         9.92       157,384.66
                                                          2010     9.92        11.34       222,059.50

MetLife Conservative Allocation Investment Division/(e)/. 2005     9.99        10.31            32.51
                                                          2006    10.31        10.88         1,699.76
                                                          2007    10.88        11.34         8,866.09
                                                          2008    11.34         9.59        19,317.68
                                                          2009     9.59        11.41        51,902.19
                                                          2010    11.41        12.41       110,774.26

MetLife Conservative to Moderate Allocation Investment                                               
  Division/(e)/.......................................... 2005     9.99        10.52        14,398.27
                                                          2006    10.52        11.37        32,374.88
                                                          2007    11.37        11.77        59,185.56
                                                          2008    11.77         9.11       117,516.07
                                                          2009     9.11        11.13       167,702.08
                                                          2010    11.13        12.26       228,058.96

MetLife Moderate Allocation Investment Division/(e)/..... 2005     9.99        10.75        13,532.17
                                                          2006    10.75        11.88       150,936.81
                                                          2007    11.88        12.24       352,859.06
                                                          2008    12.24         8.63       558,674.10
                                                          2009     8.63        10.78       778,042.83
                                                          2010    10.78        12.05     1,142,102.75

MetLife Moderate to Aggressive Allocation Investment                                                 
  Division/(e)/.......................................... 2005     9.99        10.98        48,337.02
                                                          2006    10.98        12.39       217,821.36
                                                          2007    12.39        12.70       572,854.06
                                                          2008    12.70         8.14       767,247.67
                                                          2009     8.14        10.38     1,029,192.43
                                                          2010    10.38        11.75     1,260,551.02

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.95 SEPARATE ACCOUNT CHARGE 

                                                        [Enlarge/Download Table]

                                                                   BEGINNING                 NUMBER OF  
                                                                    OF YEAR    END OF YEAR  ACCUMULATION
                                                                  ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                          YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                          ---- ------------ ------------ ------------
                                                                                                        
American Funds Balanced Allocation Investment Division                                                  
  (Class C)/(i)/............................................ 2008   $ 10.00      $  7.03         0.00   
                                                             2009      7.03         9.01         0.00   
                                                             2010      9.01        10.01         0.00   

American Funds Bond Investment Division (Class 2)/(f)(j)/... 2006     15.09        15.86         0.00   
                                                             2007     15.86        16.19         0.00   
                                                             2008     16.19        14.50         0.00   
                                                             2009     14.50        16.14         0.00   
                                                             2010     16.14        16.97         0.00   

American Funds Global Small Capitalization Investment                                                   
  Division (Class 2)/(a)(j)/................................ 2002     12.26        10.91         0.00   
                                                             2003     10.91        16.56         0.00   
                                                             2004     16.56        19.77         0.00   
                                                             2005     19.77        24.49         0.00   
                                                             2006     24.49        30.03         0.00   
                                                             2007     30.03        36.02         0.00   
                                                             2008     36.02        16.54         0.00   
                                                             2009     16.54        26.36         8.41   
                                                             2010     26.36        31.89        42.63   

American Funds Growth Allocation Investment Division                                                    
  (Class C)/(i)/............................................ 2008      9.99         6.38         0.00   
                                                             2009      6.38         8.47         0.00   
                                                             2010      8.47         9.52         0.00   

American Funds Growth Investment Division (Class 2)/(a)(j)/. 2002     91.86        88.84         0.00   
                                                             2003     88.84       120.09         0.00   
                                                             2004    120.09       133.48        93.00   
                                                             2005    133.48       153.25       117.55   
                                                             2006    153.25       166.90       134.38   
                                                             2007    166.90       185.26       155.01   
                                                             2008    185.26       102.55         0.00   
                                                             2009    102.55       141.27         3.60   
                                                             2010    141.27       165.66        20.67   

American Funds Growth-Income Investment Division                                                        
  (Class 2)/(a)(j)/......................................... 2002     75.98        71.42        83.36   
                                                             2003     71.42        93.45       108.72   
                                                             2004     93.45       101.91         0.00   
                                                             2005    101.91       106.58         0.00   
                                                             2006    106.58       121.32         0.00   
                                                             2007    121.32       125.91         0.00   
                                                             2008    125.91        77.31         0.00   
                                                             2009     77.31       100.26         0.00   
                                                             2010    100.26       110.38         0.00   

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                                                                 BEGINNING                 NUMBER OF  
                                                                  OF YEAR    END OF YEAR  ACCUMULATION
                                                                ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                        YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                        ---- ------------ ------------ ------------
                                                                                                      
American Funds Moderate Allocation Investment Division                                                
  (Class C)/(i)/.......................................... 2008    $10.01       $ 7.71          0.00  
                                                           2009      7.71         9.42          0.00  
                                                           2010      9.42        10.26          0.00  

Barclays Capital Aggregate Bond Index Investment Division                                             
  (formerly Lehman Brothers(R) Aggregate Bond Index                                                   
  Investment Division)/(a)/............................... 2002     11.91        12.46          0.00  
                                                           2003     12.46        12.76          0.00  
                                                           2004     12.76        13.13          0.00  
                                                           2005     13.13        13.25          0.00  
                                                           2006     13.25        13.62          0.00  
                                                           2007     13.62        14.39          0.00  
                                                           2008     14.39        15.06          0.00  
                                                           2009     15.06        15.66          0.00  
                                                           2010     15.66        16.39          0.00  

BlackRock Bond Income Investment Division/(a)/............ 2002     44.00        45.76          0.00  
                                                           2003     45.76        47.85          0.00  
                                                           2004     47.85        49.38          0.00  
                                                           2005     49.38        49.97          0.00  
                                                           2006     49.97        51.54          0.00  
                                                           2007     51.54        54.13          0.00  
                                                           2008     54.13        51.65          0.00  
                                                           2009     51.65        55.86          0.00  
                                                           2010     55.86        59.80          0.00  

BlackRock Large Cap Core Investment Division*/(g)/........ 2007     86.95        87.96          0.00  
                                                           2008     87.96        54.62          0.00  
                                                           2009     54.62        64.49          0.00  
                                                           2010     64.49        71.84          0.00  

BlackRock Large Cap Investment Division                                                               
  (formerly BlackRock Investment Trust Investment                                                     
  Division)/(a)(g)/....................................... 2002     54.02        51.32          0.00  
                                                           2003     51.32        66.03          0.00  
                                                           2004     66.03        72.34          0.00  
                                                           2005     72.34        74.03          0.00  
                                                           2006     74.03        83.48          0.00  
                                                           2007     83.48        87.68          0.00  

BlackRock Large Cap Value Investment Division/(a)/........ 2002      8.61         7.93          0.00  
                                                           2003      7.93        10.64          0.00  
                                                           2004     10.64        11.93      1,049.86  
                                                           2005     11.93        12.48      1,334.96  
                                                           2006     12.48        14.72      1,533.91  
                                                           2007     14.72        15.04      1,776.64  
                                                           2008     15.04         9.67          0.00  
                                                           2009      9.67        10.63          0.00  
                                                           2010     10.63        11.47          4.08  

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                                                             BEGINNING                 NUMBER OF  
                                                              OF YEAR    END OF YEAR  ACCUMULATION
                                                            ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                    YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                    ---- ------------ ------------ ------------
                                                                                                  
BlackRock Legacy Large Cap Growth Investment                                                      
  Division/(a)/....................................... 2002    $21.09       $18.47        0.00    
                                                       2003     18.47        24.74        0.00    
                                                       2004     24.74        26.60        0.00    
                                                       2005     26.60        28.13        0.00    
                                                       2006     28.13        28.95        0.00    
                                                       2007     28.95        33.96        0.00    
                                                       2008     33.96        21.29        0.00    
                                                       2009     21.29        28.79        0.00    
                                                       2010     28.79        34.07        0.00    

BlackRock Legacy Large Cap Growth Investment Division                                             
  (formerly FI Large Cap Investment Division)/(k)/.... 2006     17.85        18.11        0.00    
                                                       2007     18.11        18.60        0.00    
                                                       2008     18.60        10.14        0.00    
                                                       2009     10.14        10.58        0.00    

BlackRock Money Market Investment Division/(b)/....... 2003     24.22        24.15        0.00    
                                                       2004     24.15        24.10        0.00    
                                                       2005     24.10        24.50        0.00    
                                                       2006     24.50        25.37        0.00    
                                                       2007     25.37        26.34        0.00    
                                                       2008     26.34        26.77        0.00    
                                                       2009     26.77        26.58        0.00    
                                                       2010     26.58        26.33        0.00    

Calvert VP SRI Balanced Investment Division                                                       
  (formerly Calvert Social Balanced Investment                                                    
  Division/(a)/)...................................... 2002     18.07        17.75        0.00    
                                                       2003     17.75        20.98        0.00    
                                                       2004     20.98        22.50        0.00    
                                                       2005     22.50        23.55        0.00    
                                                       2006     23.55        25.37        0.00    
                                                       2007     25.37        25.83        0.00    
                                                       2008     25.83        17.57        0.00    
                                                       2009     17.57        21.80        0.00    
                                                       2010     21.80        24.21        0.00    

Clarion Global Real Estate Investment Division/(d)/... 2004      9.99        12.87        0.00    
                                                       2005     12.87        14.44        0.00    
                                                       2006     14.44        19.68        0.00    
                                                       2007     19.68        16.57        0.00    
                                                       2008     16.57         9.57        0.00    
                                                       2009      9.57        12.77        0.00    
                                                       2010     12.77        14.69        0.00    

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                                                             BEGINNING                 NUMBER OF  
                                                              OF YEAR    END OF YEAR  ACCUMULATION
                                                            ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                    YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                    ---- ------------ ------------ ------------
                                                                                                  
Davis Venture Value Investment Division/(a)/.......... 2002   $ 22.98      $ 22.41         0.00   
                                                       2003     22.41        29.02         0.00   
                                                       2004     29.02        32.19         0.00   
                                                       2005     32.19        35.07         0.00   
                                                       2006     35.07        39.71         0.00   
                                                       2007     39.71        41.04         0.00   
                                                       2008     41.04        24.59         1.08   
                                                       2009     24.59        32.06        19.11   
                                                       2010     32.06        35.48        81.75   

FI Value Leaders Investment Division/(a)/............. 2002     20.33        19.36       238.42   
                                                       2003     19.36        24.32       340.41   
                                                       2004     24.32        27.35         0.00   
                                                       2005     27.35        29.92         0.00   
                                                       2006     29.92        33.10         0.00   
                                                       2007     33.10        34.07         0.00   
                                                       2008     34.07        20.55         0.00   
                                                       2009     20.55        24.73         0.00   
                                                       2010     24.73        28.00         0.00   

Harris Oakmark International Investment Division/(a)/. 2002      9.92         8.88         0.00   
                                                       2003      8.88        11.87         0.00   
                                                       2004     11.87        14.17         0.00   
                                                       2005     14.17        16.03         0.00   
                                                       2006     16.03        20.47         0.00   
                                                       2007     20.47        20.05         0.00   
                                                       2008     20.05        11.74         0.00   
                                                       2009     11.74        18.03         0.00   
                                                       2010     18.03        20.79         0.00   

Invesco Small Cap Growth Investment Division                                                      
  (formerly Met/AIM Small Cap Growth Investment                                                   
  Division/(a)/)...................................... 2002      8.94         8.51         0.00   
                                                       2003      8.51        11.71         0.00   
                                                       2004     11.71        12.35         0.00   
                                                       2005     12.35        13.25         0.00   
                                                       2006     13.25        14.98         0.00   
                                                       2007     14.98        16.48         0.00   
                                                       2008     16.48        10.00         0.00   
                                                       2009     10.00        13.26         0.00   
                                                       2010     13.26        16.57         0.00   

Janus Forty Investment Division/(h)/.................. 2007    163.29       200.92         0.00   
                                                       2008    200.92       115.43         0.23   
                                                       2009    115.43       163.34         1.03   
                                                       2010    163.34       177.00         1.85   

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                                                           BEGINNING                 NUMBER OF  
                                                            OF YEAR    END OF YEAR  ACCUMULATION
                                                          ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                  YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                  ---- ------------ ------------ ------------
                                                                                                
Lazard Mid Cap Investment Division/(a)/............. 2002    $10.02       $ 9.71       548.23   
                                                     2003      9.71        12.14       653.11   
                                                     2004     12.14        13.76         0.00   
                                                     2005     13.76        14.73         0.00   
                                                     2006     14.73        16.73         0.00   
                                                     2007     16.73        16.12         0.00   
                                                     2008     16.12         9.85         0.00   
                                                     2009      9.85        13.35         0.00   
                                                     2010     13.35        16.25         0.00   

Loomis Sayles Small Cap Core Investment Division                                                
  (formerly Loomis Sayles Small Cap Investment                                                  
  Divisions)/(a)/................................... 2002     19.56        17.88         0.00   
                                                     2003     17.88        24.18         0.00   
                                                     2004     24.18        27.84         0.00   
                                                     2005     27.84        29.42         0.00   
                                                     2006     29.42        33.92         0.00   
                                                     2007     33.92        37.50         0.00   
                                                     2008     37.50        23.75         0.00   
                                                     2009     23.75        30.57         4.15   
                                                     2010     30.57        38.52        22.40   

Loomis Sayles Small Cap Growth Investment Division                                              
  (formerly Franklin Templeton Small Cap Growth                                                 
  Investment Division)/(a)/......................... 2002      6.77         6.28         0.00   
                                                     2003      6.28         9.00         0.00   
                                                     2004      9.00         9.91         0.00   
                                                     2005      9.91        10.25         0.00   
                                                     2006     10.25        11.14         0.00   
                                                     2007     11.14        11.51         0.00   
                                                     2008     11.51         6.69         0.00   
                                                     2009      6.69         8.60         0.00   
                                                     2010      8.60        11.18         0.00   

Lord Abbett Bond Debenture Investment Division/(a)/. 2002     13.63        13.97         0.00   
                                                     2003     13.97        16.49         0.00   
                                                     2004     16.49        17.67         0.00   
                                                     2005     17.67        17.76         0.00   
                                                     2006     17.76        19.21         0.00   
                                                     2007     19.21        20.27         0.00   
                                                     2008     20.27        16.34         0.00   
                                                     2009     16.34        22.14        14.99   
                                                     2010     22.14        24.78        75.83   

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                                                            BEGINNING                 NUMBER OF  
                                                             OF YEAR    END OF YEAR  ACCUMULATION
                                                           ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                   YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                   ---- ------------ ------------ ------------
                                                                                                 
Met/Artisan Mid Cap Value Investment Division                                                    
  (formerly Harris Oakmark Focused Value Investment                                              
  Division)/(a)/..................................... 2002    $23.46       $24.19        0.00    
                                                      2003     24.19        31.71        0.00    
                                                      2004     31.71        34.45        0.00    
                                                      2005     34.45        37.43        0.00    
                                                      2006     37.43        41.59        0.00    
                                                      2007     41.59        38.28        0.00    
                                                      2008     38.28        20.42        0.00    
                                                      2009     20.42        28.57        0.00    
                                                      2010     28.57        32.48        0.00    

Met/Franklin Income Investment Division/(i)/......... 2008      9.99         8.01        0.00    
                                                      2009      8.01        10.14        0.00    
                                                      2010     10.14        11.23        0.00    

Met/Franklin Mutual Shares Investment Division/(i)/.. 2008      9.99         6.62        0.00    
                                                      2009      6.62         8.18        0.00    
                                                      2010      8.18         9.00        0.00    

Met/Franklin Templeton Founding Strategy Investment                                              
  Division/(i)/...................................... 2008      9.99         7.05        0.00    
                                                      2009      7.05         8.98        0.00    
                                                      2010      8.98         9.79        0.00    

Met/Templeton Growth Investment Division/(i)/........ 2008      9.99         6.58        0.00    
                                                      2009      6.58         8.65        0.00    
                                                      2010      8.65         9.23        0.00    

MetLife Mid Cap Stock Index Investment Division/(a)/. 2002      9.03         8.71        0.00    
                                                      2003      8.71        11.61        0.00    
                                                      2004     11.61        13.31        0.00    
                                                      2005     13.31        14.77        0.00    
                                                      2006     14.77        16.07        0.00    
                                                      2007     16.07        17.12        0.00    
                                                      2008     17.12        10.78        0.00    
                                                      2009     10.78        14.61        0.00    
                                                      2010     14.61        18.24        0.00    

MetLife Stock Index Investment Division/(a)/......... 2002     29.66        28.37        0.00    
                                                      2003     28.37        35.93        0.00    
                                                      2004     35.93        39.25        0.00    
                                                      2005     39.25        40.58        0.00    
                                                      2006     40.58        46.30        0.00    
                                                      2007     46.30        48.15        0.00    
                                                      2008     48.15        29.92        0.00    
                                                      2009     29.92        37.32        0.00    
                                                      2010     37.32        42.32        0.00    

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
MFS(R) Research International Investment Division/(a)/. 2002    $ 7.84       $ 7.35          0.00  
                                                        2003      7.35         9.61          0.00  
                                                        2004      9.61        11.38          0.00  
                                                        2005     11.38        13.13          0.00  
                                                        2006     13.13        16.46          0.00  
                                                        2007     16.46        18.47          0.00  
                                                        2008     18.47        10.54          2.61  
                                                        2009     10.54        13.74         15.20  
                                                        2010     13.74        15.16         51.06  

MFS(R) Total Return Investment Division/(a)/........... 2002     34.23        34.05          0.00  
                                                        2003     34.05        39.37          0.00  
                                                        2004     39.37        43.28          0.00  
                                                        2005     43.28        44.10          0.00  
                                                        2006     44.10        48.89          0.00  
                                                        2007     48.89        50.42          0.00  
                                                        2008     50.42        38.78          0.00  
                                                        2009     38.78        45.45          0.00  
                                                        2010     45.45        49.43          0.00  

MFS(R) Value Investment Division/(a)/.................. 2002     10.17         9.85          0.00  
                                                        2003      9.85        12.22          0.00  
                                                        2004     12.22        13.46          0.00  
                                                        2005     13.46        13.11          0.00  
                                                        2006     13.11        15.30          0.00  
                                                        2007     15.30        14.55          0.00  
                                                        2008     14.55         9.55          0.00  
                                                        2009      9.55        11.41          5.86  
                                                        2010     11.41        12.57         56.17  

Morgan Stanley EAFE(R) Index Investment Division/(a)/.. 2002      8.00         7.12        330.63  
                                                        2003      7.12         9.67        661.18  
                                                        2004      9.67        11.43      1,161.83  
                                                        2005     11.43        12.79      1,457.54  
                                                        2006     12.79        15.89      1,646.37  
                                                        2007     15.89        17.39      1,863.44  
                                                        2008     17.39         9.96          0.00  
                                                        2009      9.96        12.65          0.00  
                                                        2010     12.65        13.53          4.30  

Morgan Stanley Mid Cap Growth Investment Division/(l)/. 2010     13.66        15.91          0.00  

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                                                                 BEGINNING                 NUMBER OF  
                                                                  OF YEAR    END OF YEAR  ACCUMULATION
                                                                ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                        YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                        ---- ------------ ------------ ------------
                                                                                                      
Morgan Stanley Mid Cap Growth Investment Division                                                     
  (formerly FI Mid Cap Opportunities                                                                  
  Investment Division)/(a)(c)/............................ 2002    $11.50       $11.10          0.00  
                                                           2003     11.10        14.76          0.00  
                                                           2004     14.76        17.09          0.00  
                                                           2005     17.09        18.05          0.00  
                                                           2006     18.05        19.95          0.00  
                                                           2007     19.95        21.36          0.00  
                                                           2008     21.36         9.43          0.00  
                                                           2009      9.43        12.47          0.00  
                                                           2010     12.47        13.52          0.00  

Neuberger Berman Genesis Investment Division                                                          
  (formerly BlackRock Strategic Value Investment                                                      
  Division)/(a)/.......................................... 2002     12.86        10.94          0.00  
                                                           2003     10.94        16.22          0.00  
                                                           2004     16.22        18.49        703.07  
                                                           2005     18.49        19.03        888.99  
                                                           2006     19.03        21.95      1,020.41  
                                                           2007     21.95        20.94      1,187.12  
                                                           2008     20.94        12.74          0.00  
                                                           2009     12.74        14.24          0.00  
                                                           2010     14.24        17.12          2.52  

Neuberger Berman Mid Cap Value Investment Division/(a)/... 2002     14.20        13.58          0.00  
                                                           2003     13.58        18.32          0.00  
                                                           2004     18.32        22.25          0.00  
                                                           2005     22.25        24.67          0.00  
                                                           2006     24.67        27.18          0.00  
                                                           2007     27.18        27.78          0.00  
                                                           2008     27.78        14.45          0.00  
                                                           2009     14.45        21.15          0.66  
                                                           2010     21.15        26.41          5.85  

Oppenheimer Capital Appreciation Investment Division/(a)/. 2002      6.58         6.33          0.00  
                                                           2003      6.33         8.06          0.00  
                                                           2004      8.06         8.50          0.00  
                                                           2005      8.50         8.82          0.00  
                                                           2006      8.82         9.40          0.00  
                                                           2007      9.40        10.64          0.00  
                                                           2008     10.64         5.70          0.00  
                                                           2009      5.70         8.11          0.00  
                                                           2010      8.11         8.79          0.00  

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                                                                 BEGINNING                 NUMBER OF  
                                                                  OF YEAR    END OF YEAR  ACCUMULATION
                                                                ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                        YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                        ---- ------------ ------------ ------------
                                                                                                      
PIMCO Inflation Protected Bond Investment Division/(f)/... 2006    $11.14       $11.28         0.00   
                                                           2007     11.28        12.38         0.00   
                                                           2008     12.38        11.42         0.00   
                                                           2009     11.42        13.35        48.58   
                                                           2010     13.35        14.26       251.19   

PIMCO Total Return Investment Division/(a)/............... 2002     10.98        11.45       433.98   
                                                           2003     11.45        11.83       635.34   
                                                           2004     11.83        12.30         0.00   
                                                           2005     12.30        12.46         0.00   
                                                           2006     12.46        12.90         0.00   
                                                           2007     12.90        13.74         0.00   
                                                           2008     13.74        13.67         0.00   
                                                           2009     13.67        15.98         0.00   
                                                           2010     15.98        17.12         0.00   

RCM Technology Investment Division/(a)/................... 2002      3.69         2.98         0.00   
                                                           2003      2.98         4.66         0.00   
                                                           2004      4.66         4.41         0.00   
                                                           2005      4.41         4.85         0.00   
                                                           2006      4.85         5.06         0.00   
                                                           2007      5.06         6.60         0.00   
                                                           2008      6.60         3.63         0.00   
                                                           2009      3.63         5.72         0.00   
                                                           2010      5.72         7.23         0.00   

Russell 2000(R) Index Investment Division/(a)/............ 2002     10.17         9.44         0.00   
                                                           2003      9.44        13.63         0.00   
                                                           2004     13.63        15.85         0.00   
                                                           2005     15.85        16.38         0.00   
                                                           2006     16.38        19.08         0.00   
                                                           2007     19.08        18.57         0.00   
                                                           2008     18.57        12.20         2.25   
                                                           2009     12.20        15.19        11.05   
                                                           2010     15.19        19.04        19.22   

SSgA Growth ETF Investment Division                                                                   
  (formerly Cyclical Growth ETF Investment Division)/(f)/. 2006     10.73        11.47         0.00   
                                                           2007     11.47        12.00         0.00   
                                                           2008     12.00         7.97         0.00   
                                                           2009      7.97        10.19         0.00   
                                                           2010     10.19        11.53         0.00   

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                                                               BEGINNING                 NUMBER OF  
                                                                OF YEAR    END OF YEAR  ACCUMULATION
                                                              ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                      YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                      ---- ------------ ------------ ------------
                                                                                                    
SSgA Growth and Income ETF Investment Division                                                      
  (formerly Cyclical Growth and Income ETF                                                          
  Investment Division)/(f)/............................. 2006    $10.54       $11.22          0.00  
                                                         2007     11.22        11.71          0.00  
                                                         2008     11.71         8.69          0.00  
                                                         2009      8.69        10.75          0.00  
                                                         2010     10.75        11.96          0.00  

T. Rowe Price Large Cap Growth Investment Division/(a)/. 2002      9.04         8.83          0.00  
                                                         2003      8.83        11.44          0.00  
                                                         2004     11.44        12.44          0.00  
                                                         2005     12.44        13.10          0.00  
                                                         2006     13.10        14.65          0.00  
                                                         2007     14.65        15.83          0.00  
                                                         2008     15.83         9.09          0.00  
                                                         2009      9.09        12.89          0.00  
                                                         2010     12.89        14.90          0.00  

T. Rowe Price Mid Cap Growth Investment Division/(a)/... 2002      4.86         4.58          0.00  
                                                         2003      4.58         6.20          0.00  
                                                         2004      6.20         7.24          0.00  
                                                         2005      7.24         8.22          0.00  
                                                         2006      8.22         8.64          0.00  
                                                         2007      8.64        10.07          0.00  
                                                         2008     10.07         6.01          0.00  
                                                         2009      6.01         8.66          0.00  
                                                         2010      8.66        10.95          0.00  

T. Rowe Price Small Cap Growth Investment Division/(a)/. 2002      9.08         8.90          0.00  
                                                         2003      8.90        12.43          0.00  
                                                         2004     12.43        13.67        903.53  
                                                         2005     13.67        14.99      1,147.98  
                                                         2006     14.99        15.39      1,322.70  
                                                         2007     15.39        16.70      1,546.69  
                                                         2008     16.70        10.53          0.00  
                                                         2009     10.53        14.46          0.00  
                                                         2010     14.46        19.29          2.32  

Third Avenue Small Cap Value Investment Division/(a)/... 2002      9.03         8.25          0.00  
                                                         2003      8.25        11.56          0.00  
                                                         2004     11.56        14.49          0.00  
                                                         2005     14.49        16.58          0.00  
                                                         2006     16.58        18.58          0.00  
                                                         2007     18.58        17.84          0.00  
                                                         2008     17.84        12.40          0.00  
                                                         2009     12.40        15.53          0.00  
                                                         2010     15.53        18.45          0.00  

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                                                                BEGINNING                 NUMBER OF  
                                                                 OF YEAR    END OF YEAR  ACCUMULATION
                                                               ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                       YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                       ---- ------------ ------------ ------------
                                                                                                     
Western Asset Management Strategic Bond Opportunities                                                
  Investment Division/(a)/............................... 2002    $16.62       $17.63          0.00  
                                                          2003     17.63        19.66          0.00  
                                                          2004     19.66        20.70          0.00  
                                                          2005     20.70        21.03          0.00  
                                                          2006     21.03        21.84          0.00  
                                                          2007     21.84        22.43          0.00  
                                                          2008     22.43        18.84          0.00  
                                                          2009     18.84        24.61          0.00  
                                                          2010     24.61        27.41          0.00  

Western Asset Management U.S. Government Investment                                                  
  Division/(a)/.......................................... 2002     15.63        16.14          0.00  
                                                          2003     16.14        16.24          0.00  
                                                          2004     16.24        16.52          0.00  
                                                          2005     16.52        16.60          0.00  
                                                          2006     16.60        17.08          0.00  
                                                          2007     17.08        17.60          0.00  
                                                          2008     17.60        17.34          0.00  
                                                          2009     17.34        17.88          0.00  
                                                          2010     17.88        18.68          0.00  

MetLife Aggressive Allocation Investment Division/(e)/... 2005      9.99        11.18          0.00  
                                                          2006     11.18        12.81          0.00  
                                                          2007     12.81        13.10          0.00  
                                                          2008     13.10         7.73          0.00  
                                                          2009      7.73        10.06          0.00  
                                                          2010     10.06        11.53          0.00  

MetLife Conservative Allocation Investment Division/(e)/. 2005      9.99        10.33          0.00  
                                                          2006     10.33        10.93          0.00  
                                                          2007     10.93        11.43          0.00  
                                                          2008     11.43         9.69          0.00  
                                                          2009      9.69        11.58          0.00  
                                                          2010     11.58        12.62          0.00  

MetLife Conservative to Moderate Allocation Investment                                               
  Division/(e)/.......................................... 2005      9.99        10.54          0.00  
                                                          2006     10.54        11.43          0.00  
                                                          2007     11.43        11.87          0.00  
                                                          2008     11.87         9.21          0.00  
                                                          2009      9.21        11.29          0.00  
                                                          2010     11.29        12.47          0.00  

MetLife Moderate Allocation Investment Division/(e)/..... 2005      9.99        10.78          0.00  
                                                          2006     10.78        11.94          0.00  
                                                          2007     11.94        12.34          0.00  
                                                          2008     12.34         8.72          0.00  
                                                          2009      8.72        10.93      2,003.30  
                                                          2010     10.93        12.26      2,213.27  

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                                                            BEGINNING                 NUMBER OF  
                                                             OF YEAR    END OF YEAR  ACCUMULATION
                                                           ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                   YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                   ---- ------------ ------------ ------------
                                                                                                 
MetLife Moderate to Aggressive Allocation Investment                                             
  Division/(e)/...................................... 2005     9.99        11.00         0.00    
                                                      2006    11.00        12.45         0.00    
                                                      2007    12.45        12.81         0.00    
                                                      2008    12.81         8.23         0.00    
                                                      2009     8.23        10.52         0.00    
                                                      2010    10.52        11.96         0.00    

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METLIFE FINANCIAL FREEDOM SELECT  
0.60 SEPARATE ACCOUNT CHARGE  

                                                        [Enlarge/Download Table]

                                                                   BEGINNING                 NUMBER OF  
                                                                    OF YEAR    END OF YEAR  ACCUMULATION
                                                                  ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                          YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                          ---- ------------ ------------ ------------
                                                                                                        
American Funds Balanced Allocation Investment Division                                                  
  (Class C)/(i)/............................................ 2008   $ 10.00      $  7.05      5,299.96  
                                                             2009      7.05         9.06      7,857.12  
                                                             2010      9.06        10.11     12,530.93  

American Funds Bond Investment Division (Class 2)/(f)(j)/... 2006     15.57        16.41          0.00  
                                                             2007     16.41        16.81         23.86  
                                                             2008     16.81        15.11          0.00  
                                                             2009     15.11        16.87          0.00  
                                                             2010     16.87        17.80          0.13  

American Funds Global Small Capitalization Investment                                                   
  Division (Class 2)/(a)(j)/................................ 2002     12.44        11.09          0.00  
                                                             2003     11.09        16.89          0.00  
                                                             2004     16.89        20.24         60.51  
                                                             2005     20.24        25.16        128.70  
                                                             2006     25.16        30.95        198.08  
                                                             2007     30.95        37.26        370.00  
                                                             2008     37.26        17.17        927.80  
                                                             2009     17.17        27.46      1,382.31  
                                                             2010     27.46        33.34      1,641.45  

American Funds Growth Allocation Investment Division                                                    
  (Class C)/(i)/............................................ 2008      9.99         6.39          0.00  
                                                             2009      6.39         8.52        253.02  
                                                             2010      8.52         9.61      1,742.24  

American Funds Growth Investment Division (Class 2)/(a)(j)/. 2002     97.98        94.91          0.00  
                                                             2003     94.91       128.75          4.61  
                                                             2004    128.75       143.61         20.17  
                                                             2005    143.61       165.46         38.07  
                                                             2006    165.46       180.83         57.42  
                                                             2007    180.83       201.43         66.22  
                                                             2008    201.43       111.90        152.98  
                                                             2009    111.90       154.68        483.27  
                                                             2010    154.68       182.02        674.64  

American Funds Growth-Income Investment Division                                                        
  (Class 2)/(a)(j)/......................................... 2002     81.05        76.30          0.00  
                                                             2003     76.30       100.19        136.86  
                                                             2004    100.19       109.65        232.41  
                                                             2005    109.65       115.07        307.05  
                                                             2006    115.07       131.44        375.63  
                                                             2007    131.44       136.90        450.47  
                                                             2008    136.90        84.36        487.10  
                                                             2009     84.36       109.78        540.33  
                                                             2010    109.78       121.29        573.59  

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                                                                 BEGINNING                 NUMBER OF  
                                                                  OF YEAR    END OF YEAR  ACCUMULATION
                                                                ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                        YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                        ---- ------------ ------------ ------------
                                                                                                      
American Funds Moderate Allocation Investment Division                                                
  (Class C)/(i)/.......................................... 2008    $10.01       $ 7.73          0.00  
                                                           2009      7.73         9.48          0.00  
                                                           2010      9.48        10.36          0.00  

Barclays Capital Aggregate Bond Index Investment Division                                             
  (formerly Lehman Brothers(R) Aggregate Bond Index                                                   
  Investment Division)/(a)/............................... 2002     12.06        12.65          0.00  
                                                           2003     12.65        13.00         89.65  
                                                           2004     13.00        13.41        173.19  
                                                           2005     13.41        13.58        242.15  
                                                           2006     13.58        14.02      1,503.66  
                                                           2007     14.02        14.86      2,452.12  
                                                           2008     14.86        15.60        535.20  
                                                           2009     15.60        16.28        797.67  
                                                           2010     16.28        17.11        698.24  

BlackRock Bond Income Investment Division/(a)/............ 2002     47.00        48.96          0.00  
                                                           2003     48.96        51.39          0.00  
                                                           2004     51.39        53.21         15.09  
                                                           2005     53.21        54.03         88.59  
                                                           2006     54.03        55.93          0.00  
                                                           2007     55.93        58.94          0.22  
                                                           2008     58.94        56.44          2.77  
                                                           2009     56.44        61.26          5.12  
                                                           2010     61.26        65.81          7.25  

BlackRock Large Cap Core Investment Division*/(g)/........ 2007     94.52        95.85          3.26  
                                                           2008     95.85        59.73         18.05  
                                                           2009     59.73        70.77         64.19  
                                                           2010     70.77        79.11        102.70  

BlackRock Large Cap Investment Division                                                               
  (formerly BlackRock Investment Trust Investment                                                     
  Division)/(a)(g)/....................................... 2002     57.75        54.95          0.00  
                                                           2003     54.95        70.95          0.00  
                                                           2004     70.95        78.00          0.00  
                                                           2005     78.00        80.11          0.00  
                                                           2006     80.11        90.65          0.00  
                                                           2007     90.65        95.31          0.00  

BlackRock Large Cap Value Investment Division/(a)/........ 2002      8.61         7.95          0.00  
                                                           2003      7.95        10.70          0.00  
                                                           2004     10.70        12.04          0.00  
                                                           2005     12.04        12.64          0.00  
                                                           2006     12.64        14.97          0.00  
                                                           2007     14.97        15.34          0.00  
                                                           2008     15.34         9.89         41.63  
                                                           2009      9.89        10.92         41.27  
                                                           2010     10.92        11.83         41.18  

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                                                             BEGINNING                 NUMBER OF  
                                                              OF YEAR    END OF YEAR  ACCUMULATION
                                                            ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                    YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                    ---- ------------ ------------ ------------
                                                                                                  
BlackRock Legacy Large Cap Growth Investment                                                      
  Division/(a)/....................................... 2002    $21.67       $19.00         0.00   
                                                       2003     19.00        25.54         0.00   
                                                       2004     25.54        27.57         0.00   
                                                       2005     27.57        29.25         0.00   
                                                       2006     29.25        30.21         0.00   
                                                       2007     30.21        35.56         0.00   
                                                       2008     35.56        22.38        12.16   
                                                       2009     22.38        30.36        22.78   
                                                       2010     30.36        36.06        30.38   

BlackRock Legacy Large Cap Growth Investment Division                                             
  (formerly FI Large Cap Investment Division)/(k)/.... 2006     18.46        18.78         0.00   
                                                       2007     18.78        19.36         0.00   
                                                       2008     19.36        10.59         0.00   
                                                       2009     10.59        11.06         0.00   

BlackRock Money Market Investment Division/(b)/....... 2003     25.95        25.93         0.00   
                                                       2004     25.93        25.97         0.00   
                                                       2005     25.97        26.49         0.00   
                                                       2006     26.49        27.53         0.00   
                                                       2007     27.53        28.68         0.00   
                                                       2008     28.68        29.25         0.00   
                                                       2009     29.25        29.15         0.00   
                                                       2010     29.15        28.98         0.00   

Calvert VP SRI Balanced Investment Division                                                       
  (formerly Calvert Social Balanced Investment                                                    
  Division/(a)/)...................................... 2002     18.69        18.40         0.00   
                                                       2003     18.40        21.82         0.00   
                                                       2004     21.82        23.48         0.00   
                                                       2005     23.48        24.66         0.00   
                                                       2006     24.66        26.66         0.00   
                                                       2007     26.66        27.23         1.81   
                                                       2008     27.23        18.59        13.24   
                                                       2009     18.59        23.15        26.55   
                                                       2010     23.15        25.80        37.00   

Clarion Global Real Estate Investment Division/(d)/... 2004      9.99        12.90         0.00   
                                                       2005     12.90        14.52         0.00   
                                                       2006     14.52        19.87         0.00   
                                                       2007     19.87        16.78         9.75   
                                                       2008     16.78         9.73        19.79   
                                                       2009      9.73        13.03       124.58   
                                                       2010     13.03        15.04       196.36   

Davis Venture Value Investment Division/(a)/.......... 2002     23.61        23.06         0.00   
                                                       2003     23.06        29.97         0.00   
                                                       2004     29.97        33.35         0.00   
                                                       2005     33.35        36.47         0.00   
                                                       2006     36.47        41.44         0.00   
                                                       2007     41.44        42.98       215.30   
                                                       2008     42.98        25.84       334.89   
                                                       2009     25.84        33.81       488.07   
                                                       2010     33.81        37.55       559.97   

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                                                             BEGINNING                 NUMBER OF  
                                                              OF YEAR    END OF YEAR  ACCUMULATION
                                                            ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                    YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                    ---- ------------ ------------ ------------
                                                                                                  
FI Value Leaders Investment Division/(a)/............. 2002   $ 21.00      $ 20.02         0.00   
                                                       2003     20.02        25.25         0.00   
                                                       2004     25.25        28.49         0.00   
                                                       2005     28.49        31.28         0.00   
                                                       2006     31.28        34.72         0.00   
                                                       2007     34.72        35.87         0.00   
                                                       2008     35.87        21.71         0.00   
                                                       2009     21.71        26.22         0.00   
                                                       2010     26.22        29.79         0.00   

Harris Oakmark International Investment Division/(a)/. 2002      9.95         8.91         0.00   
                                                       2003      8.91        11.96         0.00   
                                                       2004     11.96        14.33         0.00   
                                                       2005     14.33        16.27         0.00   
                                                       2006     16.27        20.84         0.00   
                                                       2007     20.84        20.49       390.68   
                                                       2008     20.49        12.04       523.56   
                                                       2009     12.04        18.56       638.25   
                                                       2010     18.56        21.47       700.49   

Invesco Small Cap Growth Investment Division                                                      
  (formerly Met/AIM Small Cap Growth Investment                                                   
  Division/(a)/)...................................... 2002      8.96         8.55         0.00   
                                                       2003      8.55        11.81         0.00   
                                                       2004     11.81        12.49       130.70   
                                                       2005     12.49        13.44       321.15   
                                                       2006     13.44        15.26       535.66   
                                                       2007     15.26        16.85       531.10   
                                                       2008     16.85        10.26       666.40   
                                                       2009     10.26        13.65       921.55   
                                                       2010     13.65        17.12       975.65   

Janus Forty Investment Division/(h)/.................. 2007    178.29       219.90         2.12   
                                                       2008    219.90       126.78        22.81   
                                                       2009    126.78       180.03        66.66   
                                                       2010    180.03       195.77       104.89   

Lazard Mid Cap Investment Division/(a)/............... 2002     10.04         9.76         0.00   
                                                       2003      9.76        12.24         0.00   
                                                       2004     12.24        13.92         0.00   
                                                       2005     13.92        14.95         0.00   
                                                       2006     14.95        17.04         0.00   
                                                       2007     17.04        16.48         1.97   
                                                       2008     16.48        10.10        30.00   
                                                       2009     10.10        13.74        61.84   
                                                       2010     13.74        16.78        85.76   

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                                                            OF YEAR    END OF YEAR  ACCUMULATION
                                                          ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                  YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                  ---- ------------ ------------ ------------
                                                                                                
Loomis Sayles Small Cap Core Investment Division                                                
  (formerly Loomis Sayles Small Cap Investment                                                  
  Divisions)/(a)/................................... 2002    $20.13       $18.44         0.00   
                                                     2003     18.44        25.01         0.00   
                                                     2004     25.01        28.90         0.00   
                                                     2005     28.90        30.64         0.00   
                                                     2006     30.64        35.45         0.00   
                                                     2007     35.45        39.34         0.00   
                                                     2008     39.34        25.00         0.00   
                                                     2009     25.00        32.29        66.26   
                                                     2010     32.29        40.83       114.28   

Loomis Sayles Small Cap Growth Investment Division                                              
  (formerly Franklin Templeton Small Cap Growth                                                 
  Investment Division)/(a)/......................... 2002      6.80         6.32         0.00   
                                                     2003      6.32         9.09       101.01   
                                                     2004      9.09        10.04       355.78   
                                                     2005     10.04        10.42       551.61   
                                                     2006     10.42        11.36       740.59   
                                                     2007     11.36        11.78       803.13   
                                                     2008     11.78         6.87       807.43   
                                                     2009      6.87         8.86       812.71   
                                                     2010      8.86        11.57       819.49   

Lord Abbett Bond Debenture Investment Division/(a)/. 2002     13.93        14.30         0.00   
                                                     2003     14.30        16.94         0.00   
                                                     2004     16.94        18.21         0.00   
                                                     2005     18.21        18.38         0.00   
                                                     2006     18.38        19.94         0.00   
                                                     2007     19.94        21.12        12.88   
                                                     2008     21.12        17.08        39.02   
                                                     2009     17.08        23.23        73.86   
                                                     2010     23.23        26.08       103.02   

Met/Artisan Mid Cap Value Investment Division                                                   
  (formerly Harris Oakmark Focused Value Investment                                             
  Division)/(a)/.................................... 2002     24.23        25.03         0.00   
                                                     2003     25.03        32.92        18.37   
                                                     2004     32.92        35.88        69.12   
                                                     2005     35.88        39.13       130.26   
                                                     2006     39.13        43.63       189.05   
                                                     2007     43.63        40.30        48.52   
                                                     2008     40.30        21.58        48.45   
                                                     2009     21.58        30.29        48.39   
                                                     2010     30.29        34.55         0.48   

Met/Franklin Income Investment Division/(i)/........ 2008      9.99         8.03         0.00   
                                                     2009      8.03        10.20       583.99   
                                                     2010     10.20        11.34       827.58   

Met/Franklin Mutual Shares Investment Division/(i)/. 2008      9.99         6.63         0.00   
                                                     2009      6.63         8.23         9.58   
                                                     2010      8.23         9.09        17.79   

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                                                              BEGINNING                 NUMBER OF  
                                                               OF YEAR    END OF YEAR  ACCUMULATION
                                                             ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                     YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                     ---- ------------ ------------ ------------
                                                                                                   
Met/Franklin Templeton Founding Strategy Investment                                                
  Division/(i)/........................................ 2008    $ 9.99       $ 7.07          0.00  
                                                        2009      7.07         9.03          0.00  
                                                        2010      9.03         9.88          0.00  

Met/Templeton Growth Investment Division/(i)/.......... 2008      9.99         6.60          0.00  
                                                        2009      6.60         8.70          0.00  
                                                        2010      8.70         9.31          0.00  

MetLife Mid Cap Stock Index Investment Division/(a)/... 2002      9.09         8.79          0.00  
                                                        2003      8.79        11.76        103.65  
                                                        2004     11.76        13.52        194.33  
                                                        2005     13.52        15.06        261.98  
                                                        2006     15.06        16.44        402.06  
                                                        2007     16.44        17.57        510.74  
                                                        2008     17.57        11.11        421.19  
                                                        2009     11.11        15.11      1,229.22  
                                                        2010     15.11        18.92      1,515.44  

MetLife Stock Index Investment Division/(a)/........... 2002     30.96        29.65          0.00  
                                                        2003     29.65        37.69         33.05  
                                                        2004     37.69        41.32         91.42  
                                                        2005     41.32        42.87        160.04  
                                                        2006     42.87        49.09        617.41  
                                                        2007     49.09        51.22        976.68  
                                                        2008     51.22        31.94        469.01  
                                                        2009     31.94        39.98        690.37  
                                                        2010     39.98        45.50        693.09  

MFS(R) Research International Investment Division/(a)/. 2002      7.88         7.40          0.00  
                                                        2003      7.40         9.71          0.00  
                                                        2004      9.71        11.54          0.00  
                                                        2005     11.54        13.35          0.00  
                                                        2006     13.35        16.80          0.00  
                                                        2007     16.80        18.92          8.24  
                                                        2008     18.92        10.84        113.90  
                                                        2009     10.84        14.18        691.22  
                                                        2010     14.18        15.70      1,173.92  

MFS(R) Total Return Investment Division/(a)/........... 2002     36.10        35.97          0.00  
                                                        2003     35.97        41.74         24.70  
                                                        2004     41.74        46.05         50.36  
                                                        2005     46.05        47.08         70.56  
                                                        2006     47.08        52.38         72.29  
                                                        2007     52.38        54.21         72.69  
                                                        2008     54.21        41.84         84.95  
                                                        2009     41.84        49.20         91.54  
                                                        2010     49.20        53.70         25.05  

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                                                               BEGINNING                 NUMBER OF  
                                                                OF YEAR    END OF YEAR  ACCUMULATION
                                                              ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                      YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                      ---- ------------ ------------ ------------
                                                                                                    
MFS(R) Value Investment Division/(a)/................... 2002    $10.30       $ 9.99         0.00   
                                                         2003      9.99        12.44        46.66   
                                                         2004     12.44        13.75       178.91   
                                                         2005     13.75        13.44       365.40   
                                                         2006     13.44        15.75       516.86   
                                                         2007     15.75        15.02       160.74   
                                                         2008     15.02         9.90       127.36   
                                                         2009      9.90        11.86       127.21   
                                                         2010     11.86        13.11         1.33   

Morgan Stanley EAFE(R) Index Investment Division/(a)/... 2002      8.10         7.22         0.00   
                                                         2003      7.22         9.85         0.00   
                                                         2004      9.85        11.68         0.00   
                                                         2005     11.68        13.11         0.00   
                                                         2006     13.11        16.35       271.79   
                                                         2007     16.35        17.96       462.19   
                                                         2008     17.96        10.32       170.67   
                                                         2009     10.32        13.16       308.06   
                                                         2010     13.16        14.11       418.31   

Morgan Stanley Mid Cap Growth Investment Division/(l)/.. 2010     14.30        16.70       181.13   

Morgan Stanley Mid Cap Growth Investment Division                                                   
  (formerly FI Mid Cap Opportunities Investment                                                     
  Division)/(a)(c)/..................................... 2002     11.71        11.33         0.00   
                                                         2003     11.33        15.12         0.00   
                                                         2004     15.12        17.56         0.00   
                                                         2005     17.56        18.62         0.00   
                                                         2006     18.62        20.65         0.00   
                                                         2007     20.65        22.19         0.00   
                                                         2008     22.19         9.83         0.00   
                                                         2009      9.83        13.05       103.05   
                                                         2010     13.05        14.16         0.00   

Neuberger Berman Genesis Investment Division                                                        
  (formerly BlackRock Strategic Value Investment                                                    
  Division)/(a)/........................................ 2002     12.95        11.03         0.00   
                                                         2003     11.03        16.42         0.00   
                                                         2004     16.42        18.78         0.00   
                                                         2005     18.78        19.40         0.00   
                                                         2006     19.40        22.46         0.00   
                                                         2007     22.46        21.50         0.00   
                                                         2008     21.50        13.13         0.00   
                                                         2009     13.13        14.73         0.00   
                                                         2010     14.73        17.76         0.00   

Neuberger Berman Mid Cap Value Investment Division/(a)/. 2002     14.38        13.78         0.00   
                                                         2003     13.78        18.65         0.00   
                                                         2004     18.65        22.74         0.00   
                                                         2005     22.74        25.30         0.00   
                                                         2006     25.30        27.96         0.00   
                                                         2007     27.96        28.68         1.16   
                                                         2008     28.68        14.97        34.00   
                                                         2009     14.97        21.99       168.44   
                                                         2010     21.99        27.55       260.41   

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                                                                 BEGINNING                 NUMBER OF  
                                                                  OF YEAR    END OF YEAR  ACCUMULATION
                                                                ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                        YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                        ---- ------------ ------------ ------------
                                                                                                      
Oppenheimer Capital Appreciation Investment Division/(a)/. 2002    $ 6.61       $ 6.37         0.00   
                                                           2003      6.37         8.15         0.00   
                                                           2004      8.15         8.62         0.00   
                                                           2005      8.62         8.97         0.00   
                                                           2006      8.97         9.59         0.00   
                                                           2007      9.59        10.90        69.33   
                                                           2008     10.90         5.86       833.49   
                                                           2009      5.86         8.37       418.72   
                                                           2010      8.37         9.10       600.72   

PIMCO Inflation Protected Bond Investment Division/(f)/... 2006     11.26        11.43         0.00   
                                                           2007     11.43        12.59         0.00   
                                                           2008     12.59        11.65        27.56   
                                                           2009     11.65        13.67        54.18   
                                                           2010     13.67        14.64        62.90   

PIMCO Total Return Investment Division/(a)/............... 2002     11.03        11.52         0.00   
                                                           2003     11.52        11.95        80.37   
                                                           2004     11.95        12.47       170.86   
                                                           2005     12.47        12.67       244.94   
                                                           2006     12.67        13.17       251.39   
                                                           2007     13.17        14.08       255.24   
                                                           2008     14.08        14.05       287.05   
                                                           2009     14.05        16.48       377.80   
                                                           2010     16.48        17.73       213.42   

RCM Technology Investment Division/(a)/................... 2002      3.71         3.00         0.00   
                                                           2003      3.00         4.70         0.00   
                                                           2004      4.70         4.47         0.00   
                                                           2005      4.47         4.94         0.00   
                                                           2006      4.94         5.17         0.00   
                                                           2007      5.17         6.76        78.66   
                                                           2008      6.76         3.73       778.66   
                                                           2009      3.73         5.90       450.15   
                                                           2010      5.90         7.49       629.94   

Russell 2000(R) Index Investment Division/(a)/............ 2002     10.30         9.58         0.00   
                                                           2003      9.58        13.88        90.86   
                                                           2004     13.88        16.20       167.76   
                                                           2005     16.20        16.79       226.95   
                                                           2006     16.79        19.63       232.89   
                                                           2007     19.63        19.18       241.68   
                                                           2008     19.18        12.64       257.77   
                                                           2009     12.64        15.79       259.23   
                                                           2010     15.79        19.87        43.58   

SSgA Growth ETF Investment Division                                                                   
  (formerly Cyclical Growth ETF Investment Division)/(f)/. 2006     10.75        11.53         0.00   
                                                           2007     11.53        12.10         0.00   
                                                           2008     12.10         8.06         0.00   
                                                           2009      8.06        10.35         0.00   
                                                           2010     10.35        11.74         0.00   

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                                                               BEGINNING                 NUMBER OF  
                                                                OF YEAR    END OF YEAR  ACCUMULATION
                                                              ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                      YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                      ---- ------------ ------------ ------------
                                                                                                    
SSgA Growth and Income ETF Investment Division                                                      
  (formerly Cyclical Growth and Income ETF                                                          
  Investment Division)/(f)/............................. 2006    $10.56       $11.27          0.00  
                                                         2007     11.27        11.80          9.25  
                                                         2008     11.80         8.79         67.80  
                                                         2009      8.79        10.92        128.46  
                                                         2010     10.92        12.18        179.36  

T. Rowe Price Large Cap Growth Investment Division/(a)/. 2002      9.16         8.96          0.00  
                                                         2003      8.96        11.65          0.00  
                                                         2004     11.65        12.71          0.00  
                                                         2005     12.71        13.43          0.00  
                                                         2006     13.43        15.07          0.00  
                                                         2007     15.07        16.35         22.08  
                                                         2008     16.35         9.42        181.48  
                                                         2009      9.42        13.40        357.89  
                                                         2010     13.40        15.55        516.42  

T. Rowe Price Mid Cap Growth Investment Division/(a)/... 2002      4.88         4.61          0.00  
                                                         2003      4.61         6.26          0.00  
                                                         2004      6.26         7.34          0.00  
                                                         2005      7.34         8.36          0.00  
                                                         2006      8.36         8.82          0.00  
                                                         2007      8.82        10.32        615.75  
                                                         2008     10.32         6.18      1,140.64  
                                                         2009      6.18         8.93      1,262.10  
                                                         2010      8.93        11.34      1,441.13  

T. Rowe Price Small Cap Growth Investment Division/(a)/. 2002      9.25         9.09          0.00  
                                                         2003      9.09        12.74          0.00  
                                                         2004     12.74        14.05          0.00  
                                                         2005     14.05        15.46          0.00  
                                                         2006     15.46        15.93          0.00  
                                                         2007     15.93        17.34          3.68  
                                                         2008     17.34        10.98         29.24  
                                                         2009     10.98        15.13         72.95  
                                                         2010     15.13        20.25        110.76  

Third Avenue Small Cap Value Investment Division/(a)/... 2002      9.03         8.27          0.00  
                                                         2003      8.27        11.63          0.00  
                                                         2004     11.63        14.63          0.00  
                                                         2005     14.63        16.79          0.00  
                                                         2006     16.79        18.88          0.00  
                                                         2007     18.88        18.20          1.37  
                                                         2008     18.20        12.69         40.78  
                                                         2009     12.69        15.96         64.64  
                                                         2010     15.96        19.02         89.65  

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                                                                BEGINNING                 NUMBER OF  
                                                                 OF YEAR    END OF YEAR  ACCUMULATION
                                                               ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                       YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                       ---- ------------ ------------ ------------
                                                                                                     
Western Asset Management Strategic Bond Opportunities                                                
  Investment Division/(a)/............................... 2002    $17.08       $18.14          0.00  
                                                          2003     18.14        20.30          0.00  
                                                          2004     20.30        21.45          0.00  
                                                          2005     21.45        21.87          0.00  
                                                          2006     21.87        22.79          0.00  
                                                          2007     22.79        23.49         17.25  
                                                          2008     23.49        19.79          0.00  
                                                          2009     19.79        25.95        304.38  
                                                          2010     25.95        29.01        480.49  

Western Asset Management U.S. Government Investment                                                  
  Division/(a)/.......................................... 2002     16.05        16.60          0.00  
                                                          2003     16.60        16.77         56.86  
                                                          2004     16.77        17.12        122.11  
                                                          2005     17.12        17.26        176.32  
                                                          2006     17.26        17.83        181.06  
                                                          2007     17.83        18.43        184.45  
                                                          2008     18.43        18.23        204.39  
                                                          2009     18.23        18.86        477.81  
                                                          2010     18.86        19.77        529.52  

MetLife Aggressive Allocation Investment Division/(e)/... 2005      9.99        11.21          0.00  
                                                          2006     11.21        12.88          0.00  
                                                          2007     12.88        13.22        113.94  
                                                          2008     13.22         7.83      1,080.76  
                                                          2009      7.83        10.23      2,277.56  
                                                          2010     10.23        11.77      3,242.99  

MetLife Conservative Allocation Investment Division/(e)/. 2005      9.99        10.35          0.00  
                                                          2006     10.35        11.00          0.00  
                                                          2007     11.00        11.54          0.00  
                                                          2008     11.54         9.82          0.00  
                                                          2009      9.82        11.77          0.00  
                                                          2010     11.77        12.87         25.58  

MetLife Conservative to Moderate Allocation Investment                                               
  Division/(e)/.......................................... 2005      9.99        10.57          0.00  
                                                          2006     10.57        11.50      1,064.53  
                                                          2007     11.50        11.98      1,957.00  
                                                          2008     11.98         9.33        461.34  
                                                          2009      9.33        11.48        847.70  
                                                          2010     11.48        12.72        731.60  

MetLife Moderate Allocation Investment Division/(e)/..... 2005      9.99        10.80          0.00  
                                                          2006     10.80        12.01          0.00  
                                                          2007     12.01        12.46        321.38  
                                                          2008     12.46         8.83      2,222.44  
                                                          2009      8.83        11.11      4,153.92  
                                                          2010     11.11        12.50      5,679.00  

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                                                            BEGINNING                 NUMBER OF  
                                                             OF YEAR    END OF YEAR  ACCUMULATION
                                                           ACCUMULATION ACCUMULATION  UNITS END  
INVESTMENT DIVISION                                   YEAR  UNIT VALUE   UNIT VALUE    OF YEAR   
-------------------                                   ---- ------------ ------------ ------------
                                                                                                 
MetLife Moderate to Aggressive Allocation Investment                                             
  Division/(e)/...................................... 2005     9.99        11.03           0.00  
                                                      2006    11.03        12.52          63.94  
                                                      2007    12.52        12.93         926.68  
                                                      2008    12.93         8.33       2,093.10  
                                                      2009     8.33        10.70       4,797.09  
                                                      2010    10.70        12.20       7,747.39  

--------                                                                        

/(a)/ The inception date for the Deferred Annuities was July 12, 2002.          

/(b)/ Inception Date: May 1, 2003.                                              

/(c)/ The investment division with the name FI Mid Cap Opportunities was merged 
into the Janus Mid Cap Investment Division prior to the opening of  
business May 3, 2004, and was renamed FI Mid Cap Opportunities. The 
   investment division with the name FI Mid Cap Opportunities on April 30,
   2004 ceased to exist. The accumulation unit values history prior to May
1, 2004 is of the investment division which no longer exists.       

/(d)/ Inception Date: May 1, 2004.                                              

/(e)/ Inception Date: May 1, 2005.                                              

/(f)/ Inception Date: May 1, 2006.                                              

/(g)/ The assets of BlackRock Large Cap Investment Division (formerly BlackRock 
Investment Trust Investment Division) of the Metropolitan Fund were 
   merged into the BlackRock Large Cap Core Investment Division of the Met
     Investors Fund on April 30, 2007. Accumulation unit values prior to April
30, 2007 are those of the BlackRock Large Cap Investment Division.  

/(h)/ Inception date: April 30, 2007.                                           

/(i)/ Inception date: April 28, 2008.                                           

/(j)/ The accumulation unit values for American Funds Bond, American Funds      
Growth-Income, American Funds Growth and American Funds Global      
 Capitalization Investment Divisions are calculated with an additional
    .25% separate account charge as indicated in the Separate Account Charge
section of the Table of Expenses.                                   

/(k)/ The assets of FI Large Cap Investment Division of the Metropolitan Fund   
were merged into the BlackRock Legacy Large Cap Growth Investment   
Division of the Metropolitan Fund on May 1, 2009. Accumulation unit 
values prior to May 1, 2009 are those of the FI Large Cap Investment
Division.                                                           

/(l)/ The assets of FI Mid Cap Opportunities Investment Division were merged    
  into this investment division on May 3, 2010. Accumulation unit values
 prior to May 3, 2010 are those of FI Mid Cap Opportunities Investment
Division                                                            

*  We are waiving a portion of the Separate Account charge for the investment   
  division investing in the BlackRock Large Cap Core Portfolio. Please see the
Table of Expenses for more information.                                   

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM                         

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

We have audited the accompanying statements of assets and liabilities of        
Metropolitan Life Separate Account E (the "Separate Account") of Metropolitan   
Life Insurance Company (the "Company") comprising each of the individual        
Investment Divisions listed in Note 2.A. as of December 31, 2010, 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,    
2010, 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 Investment Divisions constituting the Separate Account of the Company as 
of December 31, 2010, 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 31, 2011                                                                  

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF ASSETS AND LIABILITIES                                            
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                                      
                                                                                                                      
                                             MSF BLACKROCK       MSF BLACKROCK   MSF METLIFE STOCK           MSF ARTIO
                                               DIVERSIFIED   AGGRESSIVE GROWTH               INDEX INTERNATIONAL STOCK
                                       INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
                                       ------------------- ------------------- ------------------- -------------------
ASSETS:                                                                                                               
  Investments at fair value                  $ 703,824,432       $ 506,918,656     $ 2,646,304,863       $ 196,320,865
  Accrued dividends                                     --                  --                  --                  --
  Due from Metropolitan Life Insurance                                                                                
     Company                                            --                   3                   9                  --
                                       ------------------- ------------------- ------------------- -------------------
       Total Assets                            703,824,432         506,918,659       2,646,304,872         196,320,865
                                       ------------------- ------------------- ------------------- -------------------
LIABILITIES:                                                                                                          
  Accrued fees                                       1,372               1,429               1,606               1,701
  Due to Metropolitan Life Insurance                                                                                  
     Company                                             3                  --                  --                  38
                                       ------------------- ------------------- ------------------- -------------------
       Total Liabilities                             1,375               1,429               1,606               1,739
                                       ------------------- ------------------- ------------------- -------------------
NET ASSETS                                   $ 703,823,057       $ 506,917,230     $ 2,646,303,266       $ 196,319,126
                                       =================== =================== =================== ===================
CONTRACT OWNERS' EQUITY                                                                                               
  Net assets from accumulation units         $ 697,838,335       $ 506,491,891     $ 2,626,183,781       $ 195,889,937
  Net assets from contracts in payout            5,984,722             425,339          20,119,485             429,189
                                       ------------------- ------------------- ------------------- -------------------
       Total Net Assets                      $ 703,823,057       $ 506,917,230     $ 2,646,303,266       $ 196,319,126
                                       =================== =================== =================== ===================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                                      
                                                                                                                      
                                                                                                         MSF NEUBERGER
                                         MSF T. ROWE PRICE     MSF OPPENHEIMER                          BERMAN MID CAP
                                          SMALL CAP GROWTH       GLOBAL EQUITY       MSF MFS VALUE               VALUE
                                       INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
                                       ------------------- ------------------- ------------------- -------------------
ASSETS:                                                                                                               
  Investments at fair value                  $ 264,122,173       $ 223,280,521       $ 280,201,562       $ 505,690,876
  Accrued dividends                                     --                  --                  --                  --
  Due from Metropolitan Life Insurance                                                                                
     Company                                            --                  --                  --                  --
                                       ------------------- ------------------- ------------------- -------------------
       Total Assets                            264,122,173         223,280,521         280,201,562         505,690,876
                                       ------------------- ------------------- ------------------- -------------------
LIABILITIES:                                                                                                          
  Accrued fees                                       1,916               1,451               1,762               1,825
  Due to Metropolitan Life Insurance                                                                                  
     Company                                             1                  10                  33                  16
                                       ------------------- ------------------- ------------------- -------------------
       Total Liabilities                             1,917               1,461               1,795               1,841
                                       ------------------- ------------------- ------------------- -------------------
NET ASSETS                                   $ 264,120,256       $ 223,279,060       $ 280,199,767       $ 505,689,035
                                       =================== =================== =================== ===================
CONTRACT OWNERS' EQUITY                                                                                               
  Net assets from accumulation units         $ 263,848,117       $ 223,161,234       $ 276,961,332       $ 505,352,780
  Net assets from contracts in payout              272,139             117,826           3,238,435             336,255
                                       ------------------- ------------------- ------------------- -------------------
       Total Net Assets                      $ 264,120,256       $ 223,279,060       $ 280,199,767       $ 505,689,035
                                       =================== =================== =================== ===================

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

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                                                        [Enlarge/Download Table]
                                                                                                                       
                                                                                                                       
                           MSF BARCLAYS                                                                                
  MSF T. ROWE PRICE   CAPITAL AGGREGATE  MSF MORGAN STANLEY    MSF RUSSELL 2000        MSF JENNISON       MSF NEUBERGER
   LARGE CAP GROWTH          BOND INDEX          EAFE INDEX               INDEX              GROWTH      BERMAN GENESIS
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
      $ 195,959,329     $ 1,054,372,043       $ 462,137,154       $ 280,019,392        $ 67,840,788       $ 284,286,519
                 --                  --                  --                  --                  --                  --
                 --                  --                  --                  12                  --                  --
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
        195,959,329       1,054,372,043         462,137,154         280,019,404          67,840,788         284,286,519
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
              1,776               1,523               1,734               1,737               1,714               1,594
                  9                  26                  27                  --                  10                   7
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
              1,785               1,549               1,761               1,737               1,724               1,601
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
      $ 195,957,544     $ 1,054,370,494       $ 462,135,393       $ 280,017,667        $ 67,839,064       $ 284,284,918
=================== =================== =================== =================== =================== ===================
      $ 190,655,938     $ 1,052,079,982       $ 461,764,562       $ 279,743,892        $ 67,595,534       $ 283,945,145
          5,301,606           2,290,512             370,831             273,775             243,530             339,773
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
      $ 195,957,544     $ 1,054,370,494       $ 462,135,393       $ 280,017,667        $ 67,839,064       $ 284,284,918
=================== =================== =================== =================== =================== ===================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                                      
                                                                                                                      
                                               MSF METLIFE   MSF LOOMIS SAYLES       MSF BLACKROCK       MSF BLACKROCK
                                       MID CAP STOCK INDEX    SMALL CAP GROWTH     LARGE CAP VALUE         BOND INCOME
                                       INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
                                       ------------------- ------------------- ------------------- -------------------
ASSETS:                                                                                                               
  Investments at fair value                  $ 396,883,040        $ 43,604,954       $ 195,800,599       $ 500,011,067
  Accrued dividends                                     --                  --                  --                  --
  Due from Metropolitan Life Insurance                                                                                
     Company                                            --                  --                  --                  25
                                       ------------------- ------------------- ------------------- -------------------
       Total Assets                            396,883,040          43,604,954         195,800,599         500,011,092
                                       ------------------- ------------------- ------------------- -------------------
LIABILITIES:                                                                                                          
  Accrued fees                                       1,903               2,090               1,817               2,226
  Due to Metropolitan Life Insurance                                                                                  
     Company                                             9                   9                   9                  --
                                       ------------------- ------------------- ------------------- -------------------
       Total Liabilities                             1,912               2,099               1,826               2,226
                                       ------------------- ------------------- ------------------- -------------------
NET ASSETS                                   $ 396,881,128        $ 43,602,855       $ 195,798,773       $ 500,008,866
                                       =================== =================== =================== ===================
CONTRACT OWNERS' EQUITY                                                                                               
  Net assets from accumulation units         $ 396,333,658        $ 43,554,051       $ 195,758,045       $ 496,635,532
  Net assets from contracts in payout              547,470              48,804              40,728           3,373,334
                                       ------------------- ------------------- ------------------- -------------------
       Total Net Assets                      $ 396,881,128        $ 43,602,855       $ 195,798,773       $ 500,008,866
                                       =================== =================== =================== ===================

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

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                                                        [Enlarge/Download Table]
                                                                                                                       
                                                                                                                       
                                                                                  MSF WESTERN ASSET                    
                                                                                         MANAGEMENT   MSF WESTERN ASSET
      MSF BLACKROCK   MSF DAVIS VENTURE   MSF LOOMIS SAYLES     MSF MET/ARTISAN      STRATEGIC BOND          MANAGEMENT
       MONEY MARKET               VALUE      SMALL CAP CORE       MID CAP VALUE       OPPORTUNITIES     U.S. GOVERNMENT
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
       $ 76,399,830       $ 590,816,311       $ 158,699,523       $ 217,607,339       $ 275,412,350       $ 239,872,314
                 34                  --                  --                  --                  --                  --
                 --                   4                  --                  45                  --                  --
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
         76,399,864         590,816,315         158,699,523         217,607,384         275,412,350         239,872,314
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
              1,467               1,948               1,815               2,132               2,062               2,168
                117                  --                  12                  --                  30                  18
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
              1,584               1,948               1,827               2,132               2,092               2,186
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
       $ 76,398,280       $ 590,814,367       $ 158,697,696       $ 217,605,252       $ 275,410,258       $ 239,870,128
=================== =================== =================== =================== =================== ===================
       $ 75,722,572       $ 588,784,205       $ 157,952,450       $ 216,896,109       $ 274,484,030       $ 239,530,225
            675,708           2,030,162             745,246             709,143             926,228             339,903
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
       $ 76,398,280       $ 590,814,367       $ 158,697,696       $ 217,605,252       $ 275,410,258       $ 239,870,128
=================== =================== =================== =================== =================== ===================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                                      
                                                                                                                      
                                                                                     MSF BLACKROCK         MSF METLIFE
                                              MSF FI VALUE       MSF MFS TOTAL    LEGACY LARGE CAP        CONSERVATIVE
                                                   LEADERS              RETURN              GROWTH          ALLOCATION
                                       INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
                                       ------------------- ------------------- ------------------- -------------------
ASSETS:                                                                                                               
  Investments at fair value                   $ 71,563,187       $ 142,303,357       $ 147,007,820       $ 432,543,076
  Accrued dividends                                     --                  --                  --                  --
  Due from Metropolitan Life Insurance                                                                                
     Company                                             9                  --                  22                  --
                                       ------------------- ------------------- ------------------- -------------------
       Total Assets                             71,563,196         142,303,357         147,007,842         432,543,076
                                       ------------------- ------------------- ------------------- -------------------
LIABILITIES:                                                                                                          
  Accrued fees                                       2,083               1,232               1,237               1,072
  Due to Metropolitan Life Insurance                                                                                  
     Company                                            --                  22                  --                  28
                                       ------------------- ------------------- ------------------- -------------------
       Total Liabilities                             2,083               1,254               1,237               1,100
                                       ------------------- ------------------- ------------------- -------------------
NET ASSETS                                    $ 71,561,113       $ 142,302,103       $ 147,006,605       $ 432,541,976
                                       =================== =================== =================== ===================
CONTRACT OWNERS' EQUITY                                                                                               
  Net assets from accumulation units          $ 71,088,771       $ 140,095,187       $ 146,199,353       $ 432,531,570
  Net assets from contracts in payout              472,342           2,206,916             807,252              10,406
                                       ------------------- ------------------- ------------------- -------------------
       Total Net Assets                       $ 71,561,113       $ 142,302,103       $ 147,006,605       $ 432,541,976
                                       =================== =================== =================== ===================

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

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                                                        [Enlarge/Download Table]
                                                                                                                           
                                                                                                                           
        MSF METLIFE                               MSF METLIFE                       MSF MET/DIMENSIONAL                    
    CONSERVATIVE TO         MSF METLIFE           MODERATE TO           MSF METLIFE       INTERNATIONAL  MSF VAN ECK GLOBAL
MODERATE ALLOCATION MODERATE ALLOCATION AGGRESSIVE ALLOCATION AGGRESSIVE ALLOCATION       SMALL COMPANY   NATURAL RESOURCES
INVESTMENT DIVISION INVESTMENT DIVISION   INVESTMENT DIVISION   INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- --------------------- --------------------- ------------------- -------------------
    $ 1,137,112,246     $ 3,253,210,164       $ 1,628,677,990         $ 104,503,516         $ 3,363,203        $ 24,701,036
                 --                  --                    --                    --                  --                  --
                 --                  --                    --                    --                  --                  --
------------------- ------------------- --------------------- --------------------- ------------------- -------------------
      1,137,112,246       3,253,210,164         1,628,677,990           104,503,516           3,363,203          24,701,036
------------------- ------------------- --------------------- --------------------- ------------------- -------------------
                656                 834                   714                 1,017                 405                 328
                  9                  20                    16                    20                  16                  10
------------------- ------------------- --------------------- --------------------- ------------------- -------------------
                665                 854                   730                 1,037                 421                 338
------------------- ------------------- --------------------- --------------------- ------------------- -------------------
    $ 1,137,111,581     $ 3,253,209,310       $ 1,628,677,260         $ 104,502,479         $ 3,362,782        $ 24,700,698
=================== =================== ===================== ===================== =================== ===================
    $ 1,136,762,248     $ 3,252,415,275       $ 1,625,353,869         $ 102,662,853         $ 3,362,782        $ 24,700,698
            349,333             794,035             3,323,391             1,839,626                  --                  --
------------------- ------------------- --------------------- --------------------- ------------------- -------------------
    $ 1,137,111,581     $ 3,253,209,310       $ 1,628,677,260         $ 104,502,479         $ 3,362,782        $ 24,700,698
=================== =================== ===================== ===================== =================== ===================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                                      
                                                                                                                      
                                                MSF ZENITH  FIDELITY VIP MONEY        FIDELITY VIP                    
                                                    EQUITY              MARKET       EQUITY-INCOME FIDELITY VIP GROWTH
                                       INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
                                       ------------------- ------------------- ------------------- -------------------
ASSETS:                                                                                                               
  Investments at fair value                   $ 81,465,483        $ 12,251,922        $ 91,649,572        $ 89,166,876
  Accrued dividends                                     --                  --                  --                  --
  Due from Metropolitan Life Insurance                                                                                
     Company                                            --                  --                   5                   7
                                       ------------------- ------------------- ------------------- -------------------
       Total Assets                             81,465,483          12,251,922          91,649,577          89,166,883
                                       ------------------- ------------------- ------------------- -------------------
LIABILITIES:                                                                                                          
  Accrued fees                                          39                  96                 164                  --
  Due to Metropolitan Life Insurance                                                                                  
     Company                                             1                   6                  --                  --
                                       ------------------- ------------------- ------------------- -------------------
       Total Liabilities                                40                 102                 164                  --
                                       ------------------- ------------------- ------------------- -------------------
NET ASSETS                                    $ 81,465,443        $ 12,251,820        $ 91,649,413        $ 89,166,883
                                       =================== =================== =================== ===================
CONTRACT OWNERS' EQUITY                                                                                               
  Net assets from accumulation units          $ 76,497,535        $ 12,251,820        $ 90,572,028        $ 89,166,883
  Net assets from contracts in payout            4,967,908                  --           1,077,385                  --
                                       ------------------- ------------------- ------------------- -------------------
       Total Net Assets                       $ 81,465,443        $ 12,251,820        $ 91,649,413        $ 89,166,883
                                       =================== =================== =================== ===================

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

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                                                        [Enlarge/Download Table]
                                                                                                                       
                                                                                                                       
       FIDELITY VIP                                                                                                    
   INVESTMENT GRADE        FIDELITY VIP      CALVERT VP SRI      CALVERT VP SRI    MIST LORD ABBETT   MIST MFS RESEARCH
               BOND    FUNDSMANAGER 60%            BALANCED      MID CAP GROWTH      BOND DEBENTURE       INTERNATIONAL
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
       $ 22,154,721        $ 99,633,508        $ 50,866,685        $ 12,234,409       $ 294,863,700       $ 258,480,516
                 --                  --                  --                  --                  --                  --
                 --                  --                  --                  --                  --                  --
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
         22,154,721          99,633,508          50,866,685          12,234,409         294,863,700         258,480,516
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
                 --                  --                 392                  --               1,697               2,261
                  2                   1                   6                   3                  17                  35
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
                  2                   1                 398                   3               1,714               2,296
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
       $ 22,154,719        $ 99,633,507        $ 50,866,287        $ 12,234,406       $ 294,861,986       $ 258,478,220
=================== =================== =================== =================== =================== ===================
       $ 22,154,719        $ 99,633,507        $ 50,866,287        $ 12,234,406       $ 294,591,904       $ 257,859,466
                 --                  --                  --                  --             270,082             618,754
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
       $ 22,154,719        $ 99,633,507        $ 50,866,287        $ 12,234,406       $ 294,861,986       $ 258,478,220
=================== =================== =================== =================== =================== ===================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                                      
                                                                                                                      
                                        MIST T. ROWE PRICE    MIST PIMCO TOTAL            MIST RCM         MIST LAZARD
                                            MID CAP GROWTH              RETURN          TECHNOLOGY             MID CAP
                                       INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
                                       ------------------- ------------------- ------------------- -------------------
ASSETS:                                                                                                               
  Investments at fair value                  $ 269,743,232     $ 1,048,659,969       $ 151,312,322        $ 62,139,264
  Accrued dividends                                     --                  --                  --                  --
  Due from Metropolitan Life Insurance                                                                                
     Company                                            --                  --                  --                  --
                                       ------------------- ------------------- ------------------- -------------------
       Total Assets                            269,743,232       1,048,659,969         151,312,322          62,139,264
                                       ------------------- ------------------- ------------------- -------------------
LIABILITIES:                                                                                                          
  Accrued fees                                       1,632               1,500               1,605               2,213
  Due to Metropolitan Life Insurance                                                                                  
     Company                                            18                  25                   8                  26
                                       ------------------- ------------------- ------------------- -------------------
       Total Liabilities                             1,650               1,525               1,613               2,239
                                       ------------------- ------------------- ------------------- -------------------
NET ASSETS                                   $ 269,741,582     $ 1,048,658,444       $ 151,310,709        $ 62,137,025
                                       =================== =================== =================== ===================
CONTRACT OWNERS' EQUITY                                                                                               
  Net assets from accumulation units         $ 269,552,957     $ 1,048,086,024       $ 151,279,904        $ 62,083,815
  Net assets from contracts in payout              188,625             572,420              30,805              53,210
                                       ------------------- ------------------- ------------------- -------------------
       Total Net Assets                      $ 269,741,582     $ 1,048,658,444       $ 151,310,709        $ 62,137,025
                                       =================== =================== =================== ===================

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

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                                                        [Enlarge/Download Table]
                                                                                                                        
                                                                                                                        
                            MIST HARRIS                          MIST LEGG MASON                                        
       MIST INVESCO             OAKMARK     MIST OPPENHEIMER         CLEARBRIDGE   MIST THIRD AVENUE MIST CLARION GLOBAL
   SMALL CAP GROWTH       INTERNATIONAL CAPITAL APPRECIATION   AGGRESSIVE GROWTH     SMALL CAP VALUE         REAL ESTATE
INVESTMENT DIVISION INVESTMENT DIVISION  INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- -------------------- ------------------- ------------------- -------------------
       $ 34,773,811       $ 422,200,506         $ 49,120,606        $ 29,797,080        $ 10,020,494       $ 228,567,437
                 --                  --                   --                  --                  --                  --
                 16                  --                   --                  --                  --                  --
------------------- ------------------- -------------------- ------------------- ------------------- -------------------
         34,773,827         422,200,506           49,120,606          29,797,080          10,020,494         228,567,437
------------------- ------------------- -------------------- ------------------- ------------------- -------------------
              2,137               1,904                1,378               1,389                 331               1,163
                 --                  11                   31                  35                   5                  49
------------------- ------------------- -------------------- ------------------- ------------------- -------------------
              2,137               1,915                1,409               1,424                 336               1,212
------------------- ------------------- -------------------- ------------------- ------------------- -------------------
       $ 34,771,690       $ 422,198,591         $ 49,119,197        $ 29,795,656        $ 10,020,158       $ 228,566,225
=================== =================== ==================== =================== =================== ===================
       $ 34,752,368       $ 421,881,988         $ 49,113,840        $ 29,792,120        $ 10,020,158       $ 228,425,261
             19,322             316,603                5,357               3,536                  --             140,964
------------------- ------------------- -------------------- ------------------- ------------------- -------------------
       $ 34,771,690       $ 422,198,591         $ 49,119,197        $ 29,795,656        $ 10,020,158       $ 228,566,225
=================== =================== ==================== =================== =================== ===================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                                      
                                                                                                                      
                                                                                                            MIST PIMCO
                                           MIST LEGG MASON    MIST SSGA GROWTH    MIST SSGA GROWTH INFLATION PROTECTED
                                              VALUE EQUITY                 ETF      AND INCOME ETF                BOND
                                       INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
                                       ------------------- ------------------- ------------------- -------------------
ASSETS:                                                                                                               
  Investments at fair value                   $ 30,137,811        $ 84,198,337       $ 579,391,442       $ 467,911,915
  Accrued dividends                                     --                  --                  --                  --
  Due from Metropolitan Life Insurance                                                                                
     Company                                            --                  --                  --                  --
                                       ------------------- ------------------- ------------------- -------------------
       Total Assets                             30,137,811          84,198,337         579,391,442         467,911,915
                                       ------------------- ------------------- ------------------- -------------------
LIABILITIES:                                                                                                          
  Accrued fees                                       1,601               1,084                 635                 914
  Due to Metropolitan Life Insurance                                                                                  
     Company                                            17                  20                  20                  32
                                       ------------------- ------------------- ------------------- -------------------
       Total Liabilities                             1,618               1,104                 655                 946
                                       ------------------- ------------------- ------------------- -------------------
NET ASSETS                                    $ 30,136,193        $ 84,197,233       $ 579,390,787       $ 467,910,969
                                       =================== =================== =================== ===================
CONTRACT OWNERS' EQUITY                                                                                               
  Net assets from accumulation units          $ 30,133,612        $ 84,197,233       $ 579,177,424       $ 467,531,484
  Net assets from contracts in payout                2,581                  --             213,363             379,485
                                       ------------------- ------------------- ------------------- -------------------
       Total Net Assets                       $ 30,136,193        $ 84,197,233       $ 579,390,787       $ 467,910,969
                                       =================== =================== =================== ===================

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

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                                                        [Enlarge/Download Table]
                                                                                                                       
                                                                                                                       
                                                                                      MIST AMERICAN       MIST AMERICAN
                         MIST BLACKROCK                                              FUNDS BALANCED        FUNDS GROWTH
   MIST JANUS FORTY      LARGE CAP CORE          VARIABLE B          VARIABLE C          ALLOCATION          ALLOCATION
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
      $ 380,881,560       $ 657,441,896        $ 14,265,718         $ 1,092,421       $ 539,849,237       $ 332,353,897
                 --                  --                  --                  --                  --                  --
                 21                  --                  --                  --                  --                  --
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
        380,881,581         657,441,896          14,265,718           1,092,421         539,849,237         332,353,897
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
              1,406               2,209                  --                   3                 617                 799
                 --                  12                   2                   7                  18                  16
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
              1,406               2,221                   2                  10                 635                 815
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
      $ 380,880,175       $ 657,439,675        $ 14,265,716         $ 1,092,411       $ 539,848,602       $ 332,353,082
=================== =================== =================== =================== =================== ===================
      $ 380,802,010       $ 653,079,155        $ 13,905,840         $ 1,092,411       $ 539,836,707       $ 332,341,685
             78,165           4,360,520             359,876                  --              11,895              11,397
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
      $ 380,880,175       $ 657,439,675        $ 14,265,716         $ 1,092,411       $ 539,848,602       $ 332,353,082
=================== =================== =================== =================== =================== ===================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                                      
                                                                                                                      
                                                                 MIST AMERICAN                                        
                                             MIST AMERICAN      FUNDS MODERATE       MIST AMERICAN  MIST MET/TEMPLETON
                                              FUNDS GROWTH          ALLOCATION          FUNDS BOND              GROWTH
                                       INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
                                       ------------------- ------------------- ------------------- -------------------
ASSETS:                                                                                                               
  Investments at fair value                  $ 201,192,968       $ 762,782,824        $ 61,894,823        $ 17,635,159
  Accrued dividends                                     --                  --                  --                  --
  Due from Metropolitan Life Insurance                                                                                
     Company                                            --                  --                  --                  --
                                       ------------------- ------------------- ------------------- -------------------
       Total Assets                            201,192,968         762,782,824          61,894,823          17,635,159
                                       ------------------- ------------------- ------------------- -------------------
LIABILITIES:                                                                                                          
  Accrued fees                                         485                 795                 522               1,140
  Due to Metropolitan Life Insurance                                                                                  
     Company                                             6                  17                   8                  20
                                       ------------------- ------------------- ------------------- -------------------
       Total Liabilities                               491                 812                 530               1,160
                                       ------------------- ------------------- ------------------- -------------------
NET ASSETS                                   $ 201,192,477       $ 762,782,012        $ 61,894,293        $ 17,633,999
                                       =================== =================== =================== ===================
CONTRACT OWNERS' EQUITY                                                                                               
  Net assets from accumulation units         $ 201,188,538       $ 762,694,243        $ 61,880,851        $ 17,633,999
  Net assets from contracts in payout                3,939              87,769              13,442                  --
                                       ------------------- ------------------- ------------------- -------------------
       Total Net Assets                      $ 201,192,477       $ 762,782,012        $ 61,894,293        $ 17,633,999
                                       =================== =================== =================== ===================

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

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                                          MIST MET/FRANKLIN                                                            
  MIST MET/FRANKLIN   MIST MET/FRANKLIN  TEMPLETON FOUNDING         MIST DREMAN  MIST MET/TEMPLETON  MIST LOOMIS SAYLES
             INCOME       MUTUAL SHARES            STRATEGY     SMALL CAP VALUE  INTERNATIONAL BOND      GLOBAL MARKETS
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
       $ 56,017,584        $ 38,704,183        $ 60,197,783         $ 9,723,359         $ 4,443,171        $ 13,393,484
                 --                  --                  --                  --                  --                  --
                 --                  --                  --                  --                  --                  --
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
         56,017,584          38,704,183          60,197,783           9,723,359           4,443,171          13,393,484
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
              1,033                 980                 988                 473                 301                 419
                 17                  11                  12                   1                   4                   5
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
              1,050                 991               1,000                 474                 305                 424
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
       $ 56,016,534        $ 38,703,192        $ 60,196,783         $ 9,722,885         $ 4,442,866        $ 13,393,060
=================== =================== =================== =================== =================== ===================
       $ 56,016,534        $ 38,703,192        $ 60,196,783         $ 9,722,885         $ 4,442,866        $ 13,393,060
                 --                  --                  --                  --                  --                  --
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
       $ 56,016,534        $ 38,703,192        $ 60,196,783         $ 9,722,885         $ 4,442,866        $ 13,393,060
=================== =================== =================== =================== =================== ===================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF ASSETS AND LIABILITIES -- (CONCLUDED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                                      
                                                                                                                      
                                                  MIST MFS                             MIST MORGAN                    
                                          EMERGING MARKETS        MIST PIONEER     STANLEY MID CAP      MIST MET/EATON
                                                    EQUITY    STRATEGIC INCOME              GROWTH VANCE FLOATING RATE
                                       INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
                                       ------------------- ------------------- ------------------- -------------------
ASSETS:                                                                                                               
  Investments at fair value                   $ 32,998,157        $ 34,119,016       $ 386,860,484         $ 1,306,420
  Accrued dividends                                     --                  --                  --                  --
  Due from Metropolitan Life Insurance                                                                                
     Company                                            --                  --                  --                  --
                                       ------------------- ------------------- ------------------- -------------------
       Total Assets                             32,998,157          34,119,016         386,860,484           1,306,420
                                       ------------------- ------------------- ------------------- -------------------
LIABILITIES:                                                                                                          
  Accrued fees                                         403                 544               1,599                 304
  Due to Metropolitan Life Insurance                                                                                  
     Company                                            12                   5                   3                   2
                                       ------------------- ------------------- ------------------- -------------------
       Total Liabilities                               415                 549               1,602                 306
                                       ------------------- ------------------- ------------------- -------------------
NET ASSETS                                    $ 32,997,742        $ 34,118,467       $ 386,858,882         $ 1,306,114
                                       =================== =================== =================== ===================
CONTRACT OWNERS' EQUITY                                                                                               
  Net assets from accumulation units          $ 32,997,742        $ 34,118,467       $ 386,632,027         $ 1,306,114
  Net assets from contracts in payout                   --                  --             226,855                  --
                                       ------------------- ------------------- ------------------- -------------------
       Total Net Assets                       $ 32,997,742        $ 34,118,467       $ 386,858,882         $ 1,306,114
                                       =================== =================== =================== ===================

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

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                                             AMERICAN FUNDS                    
     AMERICAN FUNDS      AMERICAN FUNDS        GLOBAL SMALL      AMERICAN FUNDS
             GROWTH       GROWTH-INCOME      CAPITALIZATION                BOND
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- -------------------
    $ 1,104,324,195       $ 738,592,941       $ 638,169,321       $ 144,730,902
                 --                  --                  --                  --
                 19                   7                  --                  --
------------------- ------------------- ------------------- -------------------
      1,104,324,214         738,592,948         638,169,321         144,730,902
------------------- ------------------- ------------------- -------------------
              1,562               1,440               1,539               1,757
                 --                  --                  16                  25
------------------- ------------------- ------------------- -------------------
              1,562               1,440               1,555               1,782
------------------- ------------------- ------------------- -------------------
    $ 1,104,322,652       $ 738,591,508       $ 638,167,766       $ 144,729,120
=================== =================== =================== ===================
    $ 1,103,694,758       $ 738,222,749       $ 637,781,934       $ 144,480,156
            627,894             368,759             385,832             248,964
------------------- ------------------- ------------------- -------------------
    $ 1,104,322,652       $ 738,591,508       $ 638,167,766       $ 144,729,120
=================== =================== =================== ===================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF OPERATIONS                                                        
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                                    
                                                                                                                                    
                                                 MSF BLACKROCK          MSF BLACKROCK      MSF METLIFE STOCK              MSF ARTIO 
                                                   DIVERSIFIED      AGGRESSIVE GROWTH                  INDEX    INTERNATIONAL STOCK 
                                           INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION 
                                           ---------------------- ---------------------- ---------------------- --------------------
INVESTMENT INCOME:                                                                                                                  
     Dividends                                    $ 13,395,925              $ 275,405           $ 41,027,669            $ 2,812,099 
                                           ---------------------- ---------------------- ---------------------- --------------------
EXPENSES:                                                                                                                           
     Mortality and expense risk and                                                                                                 
        other charges                                7,422,271              4,808,312             25,241,553              1,930,455 
     Administrative charges                          1,459,195                977,444              5,341,007                419,208 
                                           ---------------------- ---------------------- ---------------------- --------------------
        Total expenses                               8,881,466              5,785,756             30,582,560              2,349,663 
                                           ---------------------- ---------------------- ---------------------- --------------------
           Net investment income (loss)              4,514,459             (5,510,351)            10,445,109                462,436 
                                           ---------------------- ---------------------- ---------------------- --------------------
NET REALIZED AND CHANGE IN                                                                                                          
  UNREALIZED GAINS (LOSSES) ON                                                                                                      
  INVESTMENTS:                                                                                                                      
     Realized gain distributions                            --                     --                     --                     -- 
     Realized gains (losses) on sale of                                                                                             
        investments                                 (9,782,726)             4,319,375            (21,168,149)            (4,928,490)
                                           ---------------------- ---------------------- ---------------------- --------------------
           Net realized gains (losses)              (9,782,726)             4,319,375            (21,168,149)            (4,928,490)
                                           ---------------------- ---------------------- ---------------------- --------------------
     Change in unrealized gains (losses)                                                                                            
        on investments                              60,316,562             63,074,955            325,617,850             14,916,195 
                                           ---------------------- ---------------------- ---------------------- --------------------
     Net realized and change in                                                                                                     
        unrealized gains (losses) on                                                                                                
        investments                                 50,533,836             67,394,330            304,449,701              9,987,705 
                                           ---------------------- ---------------------- ---------------------- --------------------
     Net increase (decrease) in net assets                                                                                          
        resulting from operations                 $ 55,048,295           $ 61,883,979          $ 314,894,810           $ 10,450,141 
                                           ====================== ====================== ====================== ====================

(a) For the period May 3, 2010 to December 31, 2010.                            

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

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                                                                        MSF NEUBERGER                                  MSF BARCLAYS
  MSF T. ROWE PRICE        MSF OPPENHEIMER                             BERMAN MID CAP      MSF T. ROWE PRICE      CAPITAL AGGREGATE
   SMALL CAP GROWTH          GLOBAL EQUITY       MSF MFS VALUE                  VALUE       LARGE CAP GROWTH             BOND INDEX
INVESTMENT DIVISION    INVESTMENT DIVISION INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION
---------------------- ------------------- ---------------------- ---------------------- ---------------------- -------------------
               $ --            $ 2,873,019         $ 3,330,707            $ 3,161,891              $ 310,415           $ 34,417,700
---------------------- ------------------- ---------------------- ---------------------- ---------------------- -------------------
          2,116,731              2,031,767           2,665,149              4,570,230              1,893,261             10,423,747
            453,619                440,920             581,542              1,012,549                398,448              2,333,691
---------------------- ------------------- ---------------------- ---------------------- ---------------------- -------------------
          2,570,350              2,472,687           3,246,691              5,582,779              2,291,709             12,757,438
---------------------- ------------------- ---------------------- ---------------------- ---------------------- -------------------
         (2,570,350)               400,332              84,016             (2,420,888)            (1,981,294)            21,660,262
---------------------- ------------------- ---------------------- ---------------------- ---------------------- -------------------
                 --                     --                  --                     --                     --                     --
          2,234,083                717,448          (3,371,173)            (2,402,496)             1,249,987              2,835,526
---------------------- ------------------- ---------------------- ---------------------- ---------------------- -------------------
          2,234,083                717,448          (3,371,173)            (2,402,496)             1,249,987              2,835,526
---------------------- ------------------- ---------------------- ---------------------- ---------------------- -------------------
         64,165,490             27,084,280          28,930,431            103,216,633             27,301,732             15,979,178
---------------------- ------------------- ---------------------- ---------------------- ---------------------- -------------------
         66,399,573             27,801,728          25,559,258            100,814,137             28,551,719             18,814,704
---------------------- ------------------- ---------------------- ---------------------- ---------------------- -------------------
       $ 63,829,223           $ 28,202,060        $ 25,643,274           $ 98,393,249           $ 26,570,425           $ 40,474,966
====================== =================== ====================== ====================== ====================== ===================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                                    
                                                                                                                                    
                                            MSF MORGAN STANLEY       MSF RUSSELL 2000           MSF JENNISON          MSF NEUBERGER 
                                                    EAFE INDEX                  INDEX                 GROWTH         BERMAN GENESIS 
                                           INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION 
                                           ---------------------- ---------------------- ---------------------- --------------------
INVESTMENT INCOME:                                                                                                                  
     Dividends                                    $ 10,717,070            $ 2,456,900              $ 243,979            $ 1,122,106 
                                           ---------------------- ---------------------- ---------------------- --------------------
EXPENSES:                                                                                                                           
     Mortality and expense risk and                                                                                                 
        other charges                                4,404,959              2,543,400                573,293              2,742,792 
     Administrative charges                            984,809                559,644                127,476                594,474 
                                           ---------------------- ---------------------- ---------------------- --------------------
        Total expenses                               5,389,768              3,103,044                700,769              3,337,266 
                                           ---------------------- ---------------------- ---------------------- --------------------
           Net investment income (loss)              5,327,302               (646,144)              (456,790)            (2,215,160)
                                           ---------------------- ---------------------- ---------------------- --------------------
NET REALIZED AND CHANGE IN                                                                                                          
  UNREALIZED GAINS (LOSSES) ON                                                                                                      
  INVESTMENTS:                                                                                                                      
     Realized gain distributions                            --                     --                     --                     -- 
     Realized gains (losses) on sale of                                                                                             
        investments                                   (356,109)            (1,204,673)               120,122            (20,723,045)
                                           ---------------------- ---------------------- ---------------------- --------------------
           Net realized gains (losses)                (356,109)            (1,204,673)               120,122            (20,723,045)
                                           ---------------------- ---------------------- ---------------------- --------------------
     Change in unrealized gains (losses)                                                                                            
        on investments                              25,732,016             59,052,489              6,511,803             71,460,191 
                                           ---------------------- ---------------------- ---------------------- --------------------
     Net realized and change in                                                                                                     
        unrealized gains (losses) on                                                                                                
        investments                                 25,375,907             57,847,816              6,631,925             50,737,146 
                                           ---------------------- ---------------------- ---------------------- --------------------
     Net increase (decrease) in net assets                                                                                          
        resulting from operations                 $ 30,703,209           $ 57,201,672            $ 6,175,135           $ 48,521,986 
                                           ====================== ====================== ====================== ====================

(a) For the period May 3, 2010 to December 31, 2010.                            

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

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        MSF METLIFE      MSF LOOMIS SAYLES          MSF BLACKROCK          MSF BLACKROCK       MSF BLACKROCK      MSF DAVIS VENTURE 
MID CAP STOCK INDEX       SMALL CAP GROWTH        LARGE CAP VALUE            BOND INCOME        MONEY MARKET                  VALUE 
INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION INVESTMENT DIVISION    INVESTMENT DIVISION 
---------------------- ---------------------- ---------------------- ------------------- ---------------------- --------------------
        $ 3,029,080                   $ --            $ 1,508,278           $ 17,944,550             $ 1,756            $ 4,464,416 
---------------------- ---------------------- ---------------------- ------------------- ---------------------- --------------------
          3,604,629                392,472              1,861,512              4,949,261             863,129              5,420,868 
            806,216                 87,573                427,412              1,111,913             209,713              1,289,762 
---------------------- ---------------------- ---------------------- ------------------- ---------------------- --------------------
          4,410,845                480,045              2,288,924              6,061,174           1,072,842              6,710,630 
---------------------- ---------------------- ---------------------- ------------------- ---------------------- --------------------
         (1,381,765)              (480,045)              (780,646)            11,883,376          (1,071,086)            (2,246,214)
---------------------- ---------------------- ---------------------- ------------------- ---------------------- --------------------
            432,457                     --                     --                     --                  --                     -- 
           (330,137)            (1,044,946)            (3,801,296)                18,060                  --                709,689 
---------------------- ---------------------- ---------------------- ------------------- ---------------------- --------------------
            102,320             (1,044,946)            (3,801,296)                18,060                  --                709,689 
---------------------- ---------------------- ---------------------- ------------------- ---------------------- --------------------
         79,657,136             11,610,770             18,604,231             18,271,338                  --             56,902,615 
---------------------- ---------------------- ---------------------- ------------------- ---------------------- --------------------
         79,759,456             10,565,824             14,802,935             18,289,398                  --             57,612,304 
---------------------- ---------------------- ---------------------- ------------------- ---------------------- --------------------
       $ 78,377,691           $ 10,085,779           $ 14,022,289           $ 30,172,774        $ (1,071,086)          $ 55,366,090 
====================== ====================== ====================== =================== ====================== ====================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                                
                                                                                                                                
                                                                                           MSF WESTERN ASSET                    
                                                                                                  MANAGEMENT   MSF WESTERN ASSET
                                             MSF LOOMIS SAYLES        MSF MET/ARTISAN         STRATEGIC BOND          MANAGEMENT
                                                SMALL CAP CORE          MID CAP VALUE          OPPORTUNITIES     U.S. GOVERNMENT
                                           INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION INVESTMENT DIVISION
                                           ---------------------- ---------------------- ------------------- -------------------
INVESTMENT INCOME:                                                                                                              
     Dividends                                        $ 45,405            $ 1,400,523           $ 15,811,187         $ 5,676,745
                                           ---------------------- ---------------------- ------------------- -------------------
EXPENSES:                                                                                                                       
     Mortality and expense risk and                                                                                             
        other charges                                1,416,086              2,156,351              2,832,604           2,417,424
     Administrative charges                            349,220                493,125                648,006             554,648
                                           ---------------------- ---------------------- ------------------- -------------------
        Total expenses                               1,765,306              2,649,476              3,480,610           2,972,072
                                           ---------------------- ---------------------- ------------------- -------------------
           Net investment income (loss)             (1,719,901)            (1,248,953)            12,330,577           2,704,673
                                           ---------------------- ---------------------- ------------------- -------------------
NET REALIZED AND CHANGE IN                                                                                                      
  UNREALIZED GAINS (LOSSES) ON                                                                                                  
  INVESTMENTS:                                                                                                                  
     Realized gain distributions                            --                     --                     --             641,171
     Realized gains (losses) on sale of                                                                                         
        investments                                 (2,686,986)           (11,883,832)             1,062,078              34,437
                                           ---------------------- ---------------------- ------------------- -------------------
           Net realized gains (losses)              (2,686,986)           (11,883,832)             1,062,078             675,608
                                           ---------------------- ---------------------- ------------------- -------------------
     Change in unrealized gains (losses)                                                                                        
        on investments                              37,222,601             39,292,335             14,079,765           5,628,530
                                           ---------------------- ---------------------- ------------------- -------------------
     Net realized and change in                                                                                                 
        unrealized gains (losses) on                                                                                            
        investments                                 34,535,615             27,408,503             15,141,843           6,304,138
                                           ---------------------- ---------------------- ------------------- -------------------
     Net increase (decrease) in net assets                                                                                      
        resulting from operations                 $ 32,815,714           $ 26,159,550           $ 27,472,420         $ 9,008,811
                                           ====================== ====================== =================== ===================

(a) For the period May 3, 2010 to December 31, 2010.                            

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

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                                                        [Enlarge/Download Table]
                                                                                                                                   
                                                                                                                                   
                                                    MSF BLACKROCK            MSF METLIFE         MSF METLIFE                       
       MSF FI VALUE          MSF MFS TOTAL       LEGACY LARGE CAP           CONSERVATIVE     CONSERVATIVE TO         MSF METLIFE   
            LEADERS                 RETURN                 GROWTH             ALLOCATION MODERATE ALLOCATION MODERATE ALLOCATION   
INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION   
---------------------- ---------------------- ---------------------- ------------------- ------------------- ----------------------
          $ 990,387            $ 3,931,309               $ 84,313           $ 12,440,006        $ 31,106,026        $ 62,885,693   
---------------------- ---------------------- ---------------------- ------------------- ------------------- ----------------------
            721,442              1,301,937              1,246,095              3,818,036          10,009,600          27,075,026   
            177,811                348,848                320,594                883,805           2,338,941           6,412,706   
---------------------- ---------------------- ---------------------- ------------------- ------------------- ----------------------
            899,253              1,650,785              1,566,689              4,701,841          12,348,541          33,487,732   
---------------------- ---------------------- ---------------------- ------------------- ------------------- ----------------------
             91,134              2,280,524             (1,482,376)             7,738,165          18,757,485          29,397,961   
---------------------- ---------------------- ---------------------- ------------------- ------------------- ----------------------
                 --                     --                     --                     --                  --                  --   
         (3,773,660)            (2,022,450)               589,751              1,589,320             379,774          (1,002,375)  
---------------------- ---------------------- ---------------------- ------------------- ------------------- ----------------------
         (3,773,660)            (2,022,450)               589,751              1,589,320             379,774          (1,002,375)  
---------------------- ---------------------- ---------------------- ------------------- ------------------- ----------------------
         12,070,359             11,037,082             21,645,637             20,197,256          74,956,639         280,212,338   
---------------------- ---------------------- ---------------------- ------------------- ------------------- ----------------------
          8,296,699              9,014,632             22,235,388             21,786,576          75,336,413         279,209,963   
---------------------- ---------------------- ---------------------- ------------------- ------------------- ----------------------
        $ 8,387,833           $ 11,295,156           $ 20,753,012           $ 29,524,741        $ 94,093,898       $ 308,607,924   
====================== ====================== ====================== =================== =================== ======================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                                  
                                                                                                                                  
                                                                                                      MSF                         
                                                     MSF METLIFE                           MET/DIMENSIONAL                        
                                                     MODERATE TO           MSF METLIFE       INTERNATIONAL     MSF VAN ECK GLOBAL 
                                           AGGRESSIVE ALLOCATION AGGRESSIVE ALLOCATION       SMALL COMPANY      NATURAL  RESOURCES
                                             INVESTMENT DIVISION   INVESTMENT DIVISION INVESTMENT DIVISION    INVESTMENT DIVISION 
                                           --------------------- --------------------- ------------------- ---------------------- 
INVESTMENT INCOME:                                                                                                                
      Dividends                                   $ 31,828,403             $ 903,881            $ 24,025               $ 30,907   
                                           --------------------- --------------------- ------------------- ---------------------- 
EXPENSES:                                                                                                                         
      Mortality and expense risk and                                                                                              
         other charges                              15,678,272               886,344              20,800                135,599   
     Administrative charges                         3,671,210               212,841               5,153                 32,754    
                                           --------------------- --------------------- ------------------- ---------------------- 
        Total expenses                             19,349,482             1,099,185              25,953                168,353    
                                           --------------------- --------------------- ------------------- ---------------------- 
           Net investment income (loss)            12,478,921              (195,304)             (1,928)              (137,446)   
                                           --------------------- --------------------- -------------------  ----------------------
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES) ON                                                                                                   
   INVESTMENTS:                                                                                                                   
     Realized gain distributions                            --                    --              91,386                661,519   
     Realized gains (losses) on sale of                                                                                           
         investments                               (11,069,862)           (1,521,368)              7,840                 31,235   
                                           --------------------- --------------------- ------------------- ---------------------- 
           Net realized gains (losses)            (11,069,862)           (1,521,368)             99,226                 692,754   
                                           --------------------- --------------------- ------------------- ---------------------- 
     Change in unrealized gains (losses)                                                                                          
         on investments                            187,492,470            14,171,000             441,874               4,578,050  
                                           --------------------- --------------------- ------------------- ---------------------- 
     Net realized and change in                                                                                                   
         unrealized gains (losses) on                                                                                             
         investments                               176,422,608            12,649,632             541,100               5,270,804  
                                           --------------------- --------------------- ------------------- ---------------------- 
     Net increase (decrease) in net assets                                                                                        
         resulting from operations               $ 188,901,529          $ 12,454,328           $ 539,172            $  5,133,358  
                                           ===================== ===================== =================== ====================== 

(a) For the period May 3, 2010 to December 31, 2010.                            

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

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                                                        [Enlarge/Download Table]
                                                                                                                                   
                                                                                                                                   
                                                                                                   FIDELITY VIP                    
         MSF ZENITH     FIDELITY VIP MONEY           FIDELITY VIP                              INVESTMENT GRADE        FIDELITY VIP
             EQUITY                 MARKET          EQUITY-INCOME    FIDELITY VIP GROWTH                   BOND    FUNDSMANAGER 60%
INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION INVESTMENT DIVISION
---------------------- ---------------------- ---------------------- ---------------------- ------------------- -------------------
        $ 1,293,901               $ 26,662            $ 1,571,181              $ 221,056              $ 783,652         $ 1,186,621
---------------------- ---------------------- ---------------------- ---------------------- ------------------- -------------------
            764,388                153,137                690,213                592,509                166,668             945,260
            321,854                 24,616                213,825                159,236                 44,776                  --
---------------------- ---------------------- ---------------------- ---------------------- ------------------- -------------------
          1,086,242                177,753                904,038                751,745                211,444             945,260
---------------------- ---------------------- ---------------------- ---------------------- ------------------- -------------------
            207,659               (151,091)               667,143               (530,689)               572,208             241,361
---------------------- ---------------------- ---------------------- ---------------------- ------------------- -------------------
                 --                  8,110                     --                269,354                238,388             207,659
         (4,427,478)                    --             (3,399,915)            (2,016,569)               133,508              36,896
---------------------- ---------------------- ---------------------- ---------------------- ------------------- -------------------
         (4,427,478)                 8,110             (3,399,915)            (1,747,215)               371,896             244,555
---------------------- ---------------------- ---------------------- ---------------------- ------------------- -------------------
         13,668,268                     --             14,153,055             19,174,195                525,375           7,448,599
---------------------- ---------------------- ---------------------- ---------------------- ------------------- -------------------
          9,240,790                  8,110             10,753,140             17,426,980                897,271           7,693,154
---------------------- ---------------------- ---------------------- ---------------------- ------------------- -------------------
        $ 9,448,449             $ (142,981)          $ 11,420,283           $ 16,896,291            $ 1,469,479         $ 7,934,515
====================== ====================== ====================== ====================== =================== ===================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                                   
                                                                                                                                   
                                                CALVERT VP SRI         CALVERT VP SRI       MIST LORD ABBETT   MIST MFS RESEARCH   
                                                      BALANCED         MID CAP GROWTH         BOND DEBENTURE       INTERNATIONAL   
                                           INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION INVESTMENT DIVISION   
                                           ---------------------- ---------------------- ------------------- ----------------------
INVESTMENT INCOME:                                                                                                                 
     Dividends                                       $ 693,614                   $ --           $ 16,939,302         $ 4,289,261   
                                           ---------------------- ---------------------- ------------------- ----------------------
EXPENSES:                                                                                                                          
     Mortality and expense risk and                                                                                                
        other charges                                  452,730                 77,115              2,886,766           2,389,745   
     Administrative charges                             98,743                 20,694                651,540             577,775   
                                           ---------------------- ---------------------- ------------------- ----------------------
        Total expenses                                 551,473                 97,809              3,538,306           2,967,520   
                                           ---------------------- ---------------------- ------------------- ----------------------
           Net investment income (loss)                142,141                (97,809)            13,400,996           1,321,741   
                                           ---------------------- ---------------------- ------------------- ----------------------
NET REALIZED AND CHANGE IN                                                                                                         
  UNREALIZED GAINS (LOSSES) ON                                                                                                     
  INVESTMENTS:                                                                                                                     
     Realized gain distributions                            --                     --                     --                  --   
     Realized gains (losses) on sale of                                                                                            
        investments                                   (685,900)               110,586              1,073,013         (11,417,961)  
                                           ---------------------- ---------------------- ------------------- ----------------------
           Net realized gains (losses)                (685,900)               110,586              1,073,013         (11,417,961)  
                                           ---------------------- ---------------------- ------------------- ----------------------
     Change in unrealized gains (losses)                                                                                           
        on investments                               5,550,635              2,821,839             15,344,333          32,690,397   
                                           ---------------------- ---------------------- ------------------- ----------------------
     Net realized and change in                                                                                                    
        unrealized gains (losses) on                                                                                               
        investments                                  4,864,735              2,932,425             16,417,346          21,272,436   
                                           ---------------------- ---------------------- ------------------- ----------------------
     Net increase (decrease) in net assets                                                                                         
        resulting from operations                  $ 5,006,876            $ 2,834,616           $ 29,818,342        $ 22,594,177   
                                           ====================== ====================== =================== ======================

(a) For the period May 3, 2010 to December 31, 2010.                            

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

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                                                        [Enlarge/Download Table]
                                                                                                                                    
                                                                                                                                    
                                                                                                                        MIST HARRIS 
 MIST T. ROWE PRICE       MIST PIMCO TOTAL            MIST RCM            MIST LAZARD           MIST INVESCO                OAKMARK 
     MID CAP GROWTH                 RETURN          TECHNOLOGY                MID CAP       SMALL CAP GROWTH          INTERNATIONAL 
INVESTMENT DIVISION    INVESTMENT DIVISION INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION 
---------------------- ------------------- ---------------------- ---------------------- ---------------------- --------------------
               $ --           $ 30,790,248                $ --              $ 476,514                   $ --            $ 6,577,084 
---------------------- ------------------- ---------------------- ---------------------- ---------------------- --------------------
          2,296,373              9,381,424           1,317,901                562,877                343,939              3,651,121 
            523,330              2,169,179             291,445                128,147                 77,920                838,710 
---------------------- ------------------- ---------------------- ---------------------- ---------------------- --------------------
          2,819,703             11,550,603           1,609,346                691,024                421,859              4,489,831 
---------------------- ------------------- ---------------------- ---------------------- ---------------------- --------------------
         (2,819,703)            19,239,645          (1,609,346)              (214,510)              (421,859)             2,087,253 
---------------------- ------------------- ---------------------- ---------------------- ---------------------- --------------------
                 --              4,602,510                  --                     --                     --                     -- 
            291,154              2,844,963          (1,369,845)            (1,666,941)              (525,750)            (5,609,524)
---------------------- ------------------- ---------------------- ---------------------- ---------------------- --------------------
            291,154              7,447,473          (1,369,845)            (1,666,941)              (525,750)            (5,609,524)
---------------------- ------------------- ---------------------- ---------------------- ---------------------- --------------------
         55,974,973             27,152,115          32,648,128             12,803,005              7,832,883             54,709,202 
---------------------- ------------------- ---------------------- ---------------------- ---------------------- --------------------
         56,266,127             34,599,588          31,278,283             11,136,064              7,307,133             49,099,678 
---------------------- ------------------- ---------------------- ---------------------- ---------------------- --------------------
       $ 53,446,424           $ 53,839,233        $ 29,668,937           $ 10,921,554            $ 6,885,274           $ 51,186,931 
====================== =================== ====================== ====================== ====================== ====================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                                    
                                                                                                                                    
                                                                       MIST LEGG MASON                                              
                                               MIST OPPENHEIMER            CLEARBRIDGE      MIST THIRD AVENUE    MIST CLARION GLOBAL
                                           CAPITAL APPRECIATION      AGGRESSIVE GROWTH        SMALL CAP VALUE            REAL ESTATE
                                            INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION
                                           ----------------------- ---------------------- ---------------------- -------------------
INVESTMENT INCOME:                                                                                                                  
     Dividends                                        $ 182,522                $ 6,387               $ 94,949          $ 16,870,671 
                                           ----------------------- ---------------------- ---------------------- -------------------
EXPENSES:                                                                                                                           
     Mortality and expense risk and                                                                                                 
        other charges                                   443,083                246,934                 76,849             2,183,819 
     Administrative charges                             101,206                 54,450                 20,952               494,284 
                                           ----------------------- ---------------------- ---------------------- -------------------
        Total expenses                                  544,289                301,384                 97,801             2,678,103 
                                           ----------------------- ---------------------- ---------------------- -------------------
           Net investment income (loss)                (361,767)              (294,997)                (2,852)           14,192,568 
                                           ----------------------- ---------------------- ---------------------- -------------------
NET REALIZED AND CHANGE IN                                                                                                          
  UNREALIZED GAINS (LOSSES) ON                                                                                                      
  INVESTMENTS:                                                                                                                      
     Realized gain distributions                             --                     --                     --                     --
     Realized gains (losses) on sale of                                                                                             
        investments                                    (793,451)              (768,247)               (40,527)           (7,589,978)
                                           ----------------------- ---------------------- ---------------------- -------------------
           Net realized gains (losses)                 (793,451)              (768,247)               (40,527)           (7,589,978)
                                           ----------------------- ---------------------- ---------------------- -------------------
     Change in unrealized gains (losses)                                                                                            
        on investments                                4,872,565              6,050,147              1,603,706            22,351,529 
                                           ----------------------- ---------------------- ---------------------- -------------------
     Net realized and change in                                                                                                     
        unrealized gains (losses) on                                                                                                
        investments                                   4,079,114              5,281,900              1,563,179            14,761,551 
                                           ----------------------- ---------------------- ---------------------- -------------------
     Net increase (decrease) in net assets                                                                                          
        resulting from operations                   $ 3,717,347            $ 4,986,903            $ 1,560,327          $ 28,954,119 
                                           ======================= ====================== ====================== ===================

(a) For the period May 3, 2010 to December 31, 2010.                            

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

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                                                        [Enlarge/Download Table]
                                                                                                                                   
                                                                                                                                   
                                                                           MIST PIMCO                                              
    MIST LEGG MASON       MIST SSGA GROWTH    MIST SSGA GROWTH    INFLATION PROTECTED                             MIST BLACKROCK   
       VALUE EQUITY                    ETF      AND INCOME ETF                   BOND     MIST JANUSFORTY         LARGE CAP CORE   
INVESTMENT DIVISION    INVESTMENT DIVISION INVESTMENT DIVISION    INVESTMENT DIVISION INVESTMENT DIVISION    INVESTMENT DIVISION   
---------------------- ------------------- ---------------------- ------------------- ---------------------- ----------------------
          $ 503,506              $ 922,057         $ 3,778,765            $ 8,935,352         $ 5,298,556            $ 8,256,332   
---------------------- ------------------- ---------------------- ------------------- ---------------------- ----------------------
            276,931                669,450           3,609,130              4,147,235           3,495,476              6,011,095   
             62,545                162,556             878,390                960,708             812,015              1,278,092   
---------------------- ------------------- ---------------------- ------------------- ---------------------- ----------------------
            339,476                832,006           4,487,520              5,107,943           4,307,491              7,289,187   
---------------------- ------------------- ---------------------- ------------------- ---------------------- ----------------------
            164,030                 90,051            (708,755)             3,827,409             991,065                967,145   
---------------------- ------------------- ---------------------- ------------------- ---------------------- ----------------------
                 --                     --              13,191              9,957,194                  --                     --   
         (1,044,166)             1,075,894             103,509                515,710          (2,325,421)           (26,973,460)  
---------------------- ------------------- ---------------------- ------------------- ---------------------- ----------------------
         (1,044,166)             1,075,894             116,700             10,472,904          (2,325,421)           (26,973,460)  
---------------------- ------------------- ---------------------- ------------------- ---------------------- ----------------------
          2,673,355              7,513,340          46,487,224              8,009,393          29,106,518             93,404,052   
---------------------- ------------------- ---------------------- ------------------- ---------------------- ----------------------
          1,629,189              8,589,234          46,603,924             18,482,297          26,781,097             66,430,592   
---------------------- ------------------- ---------------------- ------------------- ---------------------- ----------------------
        $ 1,793,219            $ 8,679,285        $ 45,895,169           $ 22,309,706        $ 27,772,162           $ 67,397,737   
====================== =================== ====================== =================== ====================== ======================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                                    
                                                                                                                                    
                                                                                               MIST AMERICAN          MIST AMERICAN 
                                                                                              FUNDS BALANCED           FUNDS GROWTH 
                                                    VARIABLE B             VARIABLE C             ALLOCATION             ALLOCATION 
                                           INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION 
                                           ---------------------- ---------------------- ---------------------- --------------------
INVESTMENT INCOME:                                                                                                                  
     Dividends                                       $ 193,460               $ 14,053            $ 3,898,505            $ 2,612,577 
                                           ---------------------- ---------------------- ---------------------- --------------------
EXPENSES:                                                                                                                           
     Mortality and expense risk and                                                                                                 
        other charges                                  129,276                  1,886              3,997,124              3,138,300 
     Administrative charges                                 --                     --                963,574                733,819 
                                           ---------------------- ---------------------- ---------------------- --------------------
        Total expenses                                 129,276                  1,886              4,960,698              3,872,119 
                                           ---------------------- ---------------------- ---------------------- --------------------
           Net investment income (loss)                 64,184                 12,167             (1,062,193)            (1,259,542)
                                           ---------------------- ---------------------- ---------------------- --------------------
NET REALIZED AND CHANGE IN                                                                                                          
  UNREALIZED GAINS (LOSSES) ON                                                                                                      
  INVESTMENTS:                                                                                                                      
     Realized gain distributions                            --                     --                167,276                     -- 
     Realized gains (losses) on sale of                                                                                             
        investments                                   (894,860)               (33,576)               363,923              2,901,779 
                                           ---------------------- ---------------------- ---------------------- --------------------
           Net realized gains (losses)                (894,860)               (33,576)               531,199              2,901,779 
                                           ---------------------- ---------------------- ---------------------- --------------------
     Change in unrealized gains (losses)                                                                                            
        on investments                               2,364,194                140,629             47,023,020             33,173,352 
                                           ---------------------- ---------------------- ---------------------- --------------------
     Net realized and change in                                                                                                     
        unrealized gains (losses) on                                                                                                
        investments                                  1,469,334                107,053             47,554,219             36,075,131 
                                           ---------------------- ---------------------- ---------------------- --------------------
     Net increase (decrease) in net assets                                                                                          
        resulting from operations                  $ 1,533,518              $ 119,220           $ 46,492,026           $ 34,815,589 
                                           ====================== ====================== ====================== ====================

(a) For the period May 3, 2010 to December 31, 2010.                            

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

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                                                        [Enlarge/Download Table]
                                                                                                                                
                                                                                                                                
                             MIST AMERICAN                                                                                      
      MIST AMERICAN         FUNDS MODERATE       MIST AMERICAN  MIST MET/TEMPLETON      MIST MET/FRANKLIN   MIST MET/FRANKLIN   
       FUNDS GROWTH             ALLOCATION         FUNDS BONDS              GROWTH                 INCOME       MUTUAL SHARES   
INVESTMENT DIVISION    INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION    INVESTMENT DIVISION INVESTMENT DIVISION   
---------------------- ------------------- ------------------- ---------------------- ------------------- ----------------------
          $ 223,990            $ 8,380,881           $ 620,862           $ 133,888            $ 1,462,293                $ --   
---------------------- ------------------- ------------------- ---------------------- ------------------- ----------------------
          1,241,346              6,137,513             429,615             137,459                411,794             270,862   
            305,614              1,481,532             101,428              32,579                 95,485              65,062   
---------------------- ------------------- ------------------- ---------------------- ------------------- ----------------------
          1,546,960              7,619,045             531,043             170,038                507,279             335,924   
---------------------- ------------------- ------------------- ---------------------- ------------------- ----------------------
         (1,322,970)               761,836              89,819             (36,150)               955,014            (335,924)  
---------------------- ------------------- ------------------- ---------------------- ------------------- ----------------------
                 --                     --                  --                  --                202,357             301,580   
             22,594                774,379              74,511             175,521                218,529              75,618   
---------------------- ------------------- ------------------- ---------------------- ------------------- ----------------------
             22,594                774,379              74,511             175,521                420,886             377,198   
---------------------- ------------------- ------------------- ---------------------- ------------------- ----------------------
         26,881,903             52,534,878           1,153,467           1,090,653              2,943,481           2,897,278   
---------------------- ------------------- ------------------- ---------------------- ------------------- ----------------------
         26,904,497             53,309,257           1,227,978           1,266,174              3,364,367           3,274,476   
---------------------- ------------------- ------------------- ---------------------- ------------------- ----------------------
       $ 25,581,527           $ 54,071,093         $ 1,317,797         $ 1,230,024            $ 4,319,381         $ 2,938,552   
====================== =================== =================== ====================== =================== ======================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                                   
                                                                                                                                   
                                             MIST MET/FRANKLIN                                                                     
                                            TEMPLETON FOUNDING            MIST DREMAN     MIST MET/TEMPLETON     MIST LOOMIS SAYLES
                                                      STRATEGY        SMALL CAP VALUE     INTERNATIONAL BOND         GLOBAL MARKETS
                                           INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION    INVESTMENT DIVISION
                                           ---------------------- ---------------------- ---------------------- -------------------
INVESTMENT INCOME:                                                                                                                 
     Dividends                                            $ --               $ 33,568                $ 9,996              $ 138,150
                                           ---------------------- ---------------------- ---------------------- -------------------
EXPENSES:                                                                                                                          
     Mortality and expense risk and                                                                                                
        other charges                                  569,267                 59,590                 22,312                 64,842
     Administrative charges                            134,719                 14,324                  5,357                 15,420
                                           ---------------------- ---------------------- ---------------------- -------------------
        Total expenses                                 703,986                 73,914                 27,669                 80,262
                                           ---------------------- ---------------------- ---------------------- -------------------
           Net investment income (loss)               (703,986)               (40,346)               (17,673)                57,888
                                           ---------------------- ---------------------- ---------------------- -------------------
NET REALIZED AND CHANGE IN                                                                                                         
  UNREALIZED GAINS (LOSSES) ON                                                                                                     
  INVESTMENTS:                                                                                                                     
     Realized gain distributions                           192                     --                    489                     --
     Realized gains (losses) on sale of                                                                                            
        investments                                    921,182                 14,535                  7,194                108,798
                                           ---------------------- ---------------------- ---------------------- -------------------
           Net realized gains (losses)                 921,374                 14,535                  7,683                108,798
                                           ---------------------- ---------------------- ---------------------- -------------------
     Change in unrealized gains (losses)                                                                                           
        on investments                               4,426,690              1,281,581                224,095              1,236,521
                                           ---------------------- ---------------------- ---------------------- -------------------
     Net realized and change in                                                                                                    
        unrealized gains (losses) on                                                                                               
        investments                                  5,348,064              1,296,116                231,778              1,345,319
                                           ---------------------- ---------------------- ---------------------- -------------------
     Net increase (decrease) in net assets                                                                                         
        resulting from operations                  $ 4,644,078            $ 1,255,770              $ 214,105            $ 1,403,207
                                           ====================== ====================== ====================== ===================

(a) For the period May 3, 2010 to December 31, 2010.                            

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

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                                                        [Enlarge/Download Table]
                                                                                                                                    
                                                                                                                                    
           MIST MFS                                                                                                                 
   EMERGING MARKETS         MIST PIONEER     MIST MORGAN STANLEY           MIST MET/EATON       AMERICAN FUNDS       AMERICAN FUNDS 
             EQUITY     STRATEGIC INCOME          MID CAP GROWTH      VANCE FLOATING RATE               GROWTH        GROWTH-INCOME 
INVESTMENT DIVISION  INVESTMENT DIVISION INVESTMENT DIVISION (a)  INVESTMENT DIVISION (a)  INVESTMENT DIVISION  INVESTMENT DIVISION 
-------------------- ------------------- ------------------------ ------------------------ -------------------- --------------------
          $ 161,354            $ 671,285                    $ --                     $ --          $ 7,272,204         $ 10,161,823 
-------------------- ------------------- ------------------------ ------------------------ -------------------- --------------------
            195,817              200,572               2,301,508                    3,150           12,465,906            8,225,966 
             47,774               47,349                 479,553                      750            2,417,895            1,591,994 
-------------------- ------------------- ------------------------ ------------------------ -------------------- --------------------
            243,591              247,921               2,781,061                    3,900           14,883,801            9,817,960 
-------------------- ------------------- ------------------------ ------------------------ -------------------- --------------------
            (82,237)             423,364              (2,781,061)                  (3,900)          (7,611,597)             343,863 
-------------------- ------------------- ------------------------ ------------------------ -------------------- --------------------
                 --                   --                      --                       --                   --                   -- 
             58,220               41,477                 363,970                      568           (7,968,450)          (3,955,205)
-------------------- ------------------- ------------------------ ------------------------ -------------------- --------------------
             58,220               41,477                 363,970                      568           (7,968,450)          (3,955,205)
-------------------- ------------------- ------------------------ ------------------------ -------------------- --------------------
          5,002,134            1,280,668              59,763,903                   27,564          178,079,413           69,327,843 
-------------------- ------------------- ------------------------ ------------------------ -------------------- --------------------
          5,060,354            1,322,145              60,127,873                   28,132          170,110,963           65,372,638 
-------------------- ------------------- ------------------------ ------------------------ -------------------- --------------------
        $ 4,978,117          $ 1,745,509            $ 57,346,812                 $ 24,232        $ 162,499,366         $ 65,716,501 
==================== =================== ======================== ======================== ==================== ====================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF OPERATIONS -- (CONCLUDED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                       
                                                                                                                       
                                                                               AMERICAN FUNDS                          
                                                                                 GLOBAL SMALL         AMERICAN FUNDS   
                                                                               CAPITALIZATION                   BOND   
                                                                          INVESTMENT DIVISION    INVESTMENT DIVISION   
                                                                          ---------------------- ----------------------
INVESTMENT INCOME:                                                                                                     
      Dividends                                                                   $ 9,689,743            $ 4,352,923   
                                                                          ---------------------- ----------------------
EXPENSES:                                                                                                              
      Mortality and expense risk and other charges                                  6,862,832              1,866,010   
      Administrative charges                                                        1,326,960                356,868   
                                                                          ---------------------- ----------------------
        Total expenses                                                              8,189,792              2,222,878   
                                                                          ---------------------- ----------------------
           Net investment income (loss)                                             1,499,951              2,130,045   
                                                                          ---------------------- ----------------------
NET REALIZED AND CHANGE IN UNREALIZED GAINS (LOSSES) ON INVESTMENTS:                                                   
      Realized gain distributions                                                          --                     --   
      Realized gains (losses) on sale of investments                               (6,774,900)              (844,224)  
                                                                          ---------------------- ----------------------
           Net realized gains (losses)                                             (6,774,900)              (844,224)  
                                                                          ---------------------- ----------------------
      Change in unrealized gains (losses) on investments                          112,995,770              5,723,309   
                                                                          ---------------------- ----------------------
      Net realized and change in unrealized gains (losses) on investments         106,220,870              4,879,085   
                                                                          ---------------------- ----------------------
      Net increase (decrease) in net assets resulting from operations           $ 107,720,821            $ 7,009,130   
                                                                          ====================== ======================

(a) For the period May 3, 2010 to December 31, 2010.                            

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF CHANGES IN NET ASSETS                                             
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                                  
                                                                                                                                  
                                              MSF BLACKROCK                           MSF BLACKROCK                               
                                                DIVERSIFIED                       AGGRESSIVE GROWTH       MSF METLIFE STOCK INDEX 
                                        INVESTMENT DIVISION                     INVESTMENT DIVISION           INVESTMENT DIVISION 
                                    --------------------------------- ----------------------------- ----------------------------- 
                                               2010    2009                    2010           2009           2010           2009  
                                    ---------------- ---------------- -------------- -------------- -------------- -------------- 
INCREASE (DECREASE) IN                                                                                                            
  NET ASSETS:                                                                                                                     
FROM OPERATIONS:                                                                                                                  
  Net investment income (loss)      $     4,514,459  $  26,780,755    $  (5,510,351) $  (4,193,982) $   10,445,109 $   28,310,848 
  Net realized gains (losses)            (9,782,726)   (27,295,399)       4,319,375     (9,197,969)    (21,168,149)   (36,340,459)
  Change in unrealized gains                                                                                                      
     (losses) on investments             60,316,562    101,265,748       63,074,955    169,707,893     325,617,850    486,063,480 
                                    ---------------- ---------------- -------------- -------------- -------------- -------------- 
     Net increase (decrease)                                                                                                      
       in net assets resulting                                                                                                    
       from operations                   55,048,295    100,751,104       61,883,979    156,315,942     314,894,810    478,033,869 
                                    ---------------- ---------------- -------------- -------------- -------------- -------------- 
CONTRACT TRANSACTIONS:                                                                                                            
  Purchase payments received                                                                                                      
     from contract owners                13,852,141     16,335,180       19,725,319     17,228,337     199,543,669    180,626,572 
  Net transfers (including                                                                                                        
     fixed account)                     (19,569,715)   (32,507,255)     (14,009,650)    (5,877,760)    (34,907,183)   (60,553,866)
  Contract charges                         (288,638)      (270,790)        (312,872)      (182,768)     (4,104,734)    (2,796,751)
  Transfers for contract benefits                                                                                                 
     and terminations                   (77,379,956)   (71,821,485)     (40,327,643)   (32,346,003)   (222,486,830)  (180,013,656)
                                    ---------------- ---------------- -------------- -------------- -------------- -------------- 
     Net increase (decrease)                                                                                                      
       in net assets resulting from                                                                                               
       contract transactions            (83,386,168)   (88,264,350)     (34,924,846)   (21,178,194)    (61,955,078)   (62,737,701)
                                    ---------------- ---------------- -------------- -------------- -------------- -------------- 
     Net increase (decrease)                                                                                                      
       in net assets                    (28,337,873)    12,486,754       26,959,133    135,137,748     252,939,732    415,296,168 
NET ASSETS:                                                                                                                       
  Beginning of year                     732,160,930    719,674,176      479,958,097    344,820,349   2,393,363,534  1,978,067,366 
                                    ---------------- ---------------- -------------- -------------- -------------- -------------- 
  End of year                       $ 703,823,057    $ 732,160,930    $ 506,917,230  $ 479,958,097  $2,646,303,266 $2,393,363,534 
                                    ================ ================ ============== ============== ============== ============== 

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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

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                                       MSF T. ROWE PRICE SMALL CAP                                                                
   MSF ARTIO INTERNATIONAL STOCK                            GROWTH     MSF OPPENHEIMER GLOBAL EQUITY                MSF MFS VALUE 
             INVESTMENT DIVISION               INVESTMENT DIVISION               INVESTMENT DIVISION          INVESTMENT DIVISION 
----------------------------------- --------------------------------- ------------------------------- --------------------------- 
           2010             2009             2010             2009             2010             2009           2010         2009  
------------------ ---------------- ---------------- ---------------- ---------------- -------------- -------------- ------------ 
    $   462,436    $  (1,138,970)   $  (2,570,350)   $  (1,451,553)   $     400,332    $   1,825,559  $      84,016  $ (2,780,417)
     (4,928,490)     (10,263,412)       2,234,083         (283,453)         717,448       (4,216,408)    (3,371,173)  (11,256,625)
     14,916,195       45,278,055       64,165,490       51,263,981       27,084,280       53,877,760     28,930,431    53,060,597 
------------------ ---------------- ---------------- ---------------- ---------------- -------------- -------------- ------------ 
     10,450,141       33,875,673       63,829,223       49,528,975       28,202,060       51,486,911     25,643,274    39,023,555 
------------------ ---------------- ---------------- ---------------- ---------------- -------------- -------------- ------------ 
      9,449,836       10,759,137       16,008,375       10,759,005       17,523,370       14,818,522     20,011,591    17,653,655 
     (4,798,609)      (6,623,129)      18,356,933       (1,125,037)       2,998,528         (847,690)     9,055,426    (5,327,297)
       (338,634)        (266,587)        (278,052)        (142,126)        (375,512)        (211,788)      (543,261)     (370,716)
    (15,468,031)     (12,222,483)     (18,003,923)     (11,666,287)     (15,921,370)     (11,763,823)   (23,388,867)  (18,027,426)
------------------ ---------------- ---------------- ---------------- ---------------- -------------- -------------- ------------ 
    (11,155,438)      (8,353,062)      16,083,333       (2,174,445)       4,225,016        1,995,221      5,134,889    (6,071,784)
------------------ ---------------- ---------------- ---------------- ---------------- -------------- -------------- ------------ 
       (705,297)      25,522,611       79,912,556       47,354,530       32,427,076       53,482,132     30,778,163    32,951,771 
    197,024,423      171,501,812      184,207,700      136,853,170      190,851,984      137,369,852    249,421,604   216,469,833 
------------------ ---------------- ---------------- ---------------- ---------------- -------------- -------------- ------------ 
  $ 196,319,126    $ 197,024,423    $ 264,120,256    $ 184,207,700    $ 223,279,060    $ 190,851,984  $ 280,199,767  $249,421,604 
================== ================ ================ ================ ================ ============== ============== ============ 

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                                   
                                                                                                                                   
                                                MSF NEUBERGER BERMAN                 MSF T. ROWE PRICE        MSF BARCLAYS CAPITAL 
                                                       MID CAP VALUE                  LARGE CAP GROWTH        AGGREGATE BOND INDEX 
                                                 INVESTMENT DIVISION               INVESTMENT DIVISION         INVESTMENT DIVISION 
                                    ----------------------------------- ------------------------------- -------------------------- 
                                               2010             2009             2010             2009          2010         2009  
                                    ------------------ ---------------- ---------------- -------------- ------------- ------------ 
INCREASE (DECREASE) IN                                                                                                             
  NET ASSETS:                                                                                                                      
FROM OPERATIONS:                                                                                                                   
  Net investment income (loss)         $ (2,420,888)   $     382,562    $  (1,981,294)   $  (1,216,238) $  21,660,262 $ 33,931,431 
  Net realized gains (losses)            (2,402,496)     (20,702,138)       1,249,987       (3,596,843)     2,835,526    1,796,548 
  Change in unrealized gains                                                                                                       
     (losses) on investments            103,216,633      144,169,753       27,301,732       59,051,044     15,979,178   (7,818,868)
                                    ------------------ ---------------- ---------------- -------------- ------------- ------------ 
     Net increase (decrease)                                                                                                       
       in net assets resulting                                                                                                     
       from operations                   98,393,249      123,850,177       26,570,425       54,237,963     40,474,966   27,909,111 
                                    ------------------ ---------------- ---------------- -------------- ------------- ------------ 
CONTRACT TRANSACTIONS:                                                                                                             
  Purchase payments received                                                                                                       
     from contract owners                36,760,842       26,609,064        6,435,128        8,557,631    159,096,388  127,087,772 
  Net transfers (including                                                                                                         
     fixed account)                      11,544,351      (16,448,938)      (5,289,831)         520,030     39,735,514   52,089,008 
  Contract charges                         (998,874)        (702,012)        (336,637)        (290,588)    (3,091,065)  (1,836,648)
  Transfers for contract benefits                                                                                                  
     and terminations                   (34,092,046)     (21,928,750)     (15,183,043)     (11,300,585)   (83,568,528) (65,446,098)
                                    ------------------ ---------------- ---------------- -------------- ------------- ------------ 
     Net increase (decrease)                                                                                                       
       in net assets resulting from                                                                                                
       contract transactions             13,214,273      (12,470,636)     (14,374,383)      (2,513,512)    112,172,309  111,894,034
                                    ------------------ ---------------- ---------------- -------------- ------------- ------------ 
     Net increase (decrease)                                                                                                       
       in net assets                    111,607,522      111,379,541       12,196,042       51,724,451     152,647,275  139,803,145
NET ASSETS:                                                                                                                        
  Beginning of year                     394,081,513      282,701,972      183,761,502      132,037,051     901,723,219  761,920,074
                                    ------------------ ---------------- ---------------- -------------- -------------- ------------
  End of year                       $ 505,689,035      $ 394,081,513    $ 195,957,544    $ 183,761,502  $1,054,370,494 $901,723,219
                                    ================== ================ ================ ============== ============== ============

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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

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   MSF MORGAN STANLEY EAFE INDEX            MSF RUSSELL 2000 INDEX            MSF JENNISON GROWTH MSF NEUBERGER BERMAN GENESIS   
             INVESTMENT DIVISION               INVESTMENT DIVISION            INVESTMENT DIVISION          INVESTMENT DIVISION   
----------------------------------- --------------------------------- --------------------------- -------------------------------
           2010             2009             2010             2009            2010          2009           2010           2009   
------------------ ---------------- ---------------- ---------------- ------------- ------------- ---------------- --------------
    $ 5,327,302    $   9,631,046    $    (646,144)   $   1,216,730    $   (456,790) $   (419,798) $  (2,215,160)   $   (679,672) 
       (356,109)      (3,708,509)      (1,204,673)      (4,862,820)        120,122      (919,614)   (20,723,045)    (28,439,173) 
     25,732,016       81,435,195       59,052,489       49,220,895       6,511,803    13,192,486     71,460,191      55,913,071  
------------------ ---------------- ---------------- ---------------- ------------- ------------- ---------------- --------------
     30,703,209       87,357,732       57,201,672       45,574,805       6,175,135    11,853,074     48,521,986      26,794,226  
------------------ ---------------- ---------------- ---------------- ------------- ------------- ---------------- --------------
     51,183,433       48,453,032       18,820,358       19,951,839      10,136,094     6,042,188      9,946,475      10,863,405  
      5,640,675      (15,428,451)      (6,521,891)      (5,763,120)      7,197,883     8,753,209    (13,934,671)    (10,928,900) 
     (1,247,396)        (866,641)        (520,718)        (368,330)       (158,723)      (58,066)      (427,688)       (431,619) 
    (31,327,092)     (21,923,010)     (19,167,652)     (13,318,893)     (3,530,419)   (2,396,954)   (25,277,773)    (19,933,132) 
------------------ ---------------- ---------------- ---------------- ------------- ------------- ---------------- --------------
     24,249,620       10,234,930       (7,389,903)         501,496      13,644,835    12,340,377    (29,693,657)    (20,430,246) 
------------------ ---------------- ---------------- ---------------- ------------- ------------- ---------------- --------------
     54,952,829       97,592,662       49,811,769       46,076,301      19,819,970    24,193,451     18,828,329       6,363,980  
    407,182,564      309,589,902      230,205,898      184,129,597      48,019,094    23,825,643    265,456,589     259,092,609  
------------------ ---------------- ---------------- ---------------- ------------- ------------- ---------------- --------------
  $ 462,135,393    $ 407,182,564    $ 280,017,667    $ 230,205,898    $ 67,839,064  $ 48,019,094  $ 284,284,918    $265,456,589  
================== ================ ================ ================ ============= ============= ================ ==============

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                                  
                                                                                                                                  
                                                                                  MSF LOOMIS SAYLES                               
                                     MSF METLIFE MID CAP STOCK INDEX               SMALL CAP GROWTH MSF BLACKROCK LARGE CAP VALUE 
                                                 INVESTMENT DIVISION            INVESTMENT DIVISION           INVESTMENT DIVISION 
                                    ----------------------------------- --------------------------- ------------------------------
                                               2010             2009            2010          2009           2010            2009 
                                    ------------------ ---------------- ------------- ------------- ---------------- -------------
INCREASE (DECREASE) IN                                                                                                            
  NET ASSETS:                                                                                                                     
FROM OPERATIONS:                                                                                                                  
  Net investment income (loss)         $ (1,381,765)   $     953,223    $   (480,045) $   (388,243) $    (780,646)   $     62,205 
  Net realized gains (losses)               102,320          976,931      (1,044,946)   (2,489,658)    (3,801,296)     (7,482,611)
  Change in unrealized gains                                                                                                      
     (losses) on investments             79,657,136       81,009,279      11,610,770    10,863,194     18,604,231      24,143,280 
                                    ------------------ ---------------- ------------- ------------- ---------------- -------------
     Net increase (decrease)                                                                                                      
       in net assets resulting                                                                                                    
       from operations                   78,377,691       82,939,433      10,085,779     7,985,293     14,022,289      16,722,874 
                                    ------------------ ---------------- ------------- ------------- ---------------- -------------
CONTRACT TRANSACTIONS:                                                                                                            
  Purchase payments received                                                                                                      
     from contract owners                36,548,842       33,869,729       1,349,437     2,222,911     20,692,506      21,073,061 
  Net transfers (including                                                                                                        
     fixed account)                      (9,712,779)     (12,085,856)       (934,056)      451,188      1,496,954       3,924,438 
  Contract charges                         (891,948)        (564,590)        (81,594)      (64,521)      (655,020)       (456,522)
  Transfers for contract benefits                                                                                                 
     and terminations                   (27,182,635)     (16,902,902)     (2,993,201)   (1,952,771)   (11,469,333)     (9,463,444)
                                    ------------------ ---------------- ------------- ------------- ---------------- -------------
     Net increase (decrease)                                                                                                      
       in net assets resulting from                                                                                               
       contract transactions             (1,238,520)       4,316,381      (2,659,414)      656,807     10,065,107      15,077,533 
                                    ------------------ ---------------- ------------- ------------- ---------------- -------------
     Net increase (decrease)                                                                                                      
       in net assets                     77,139,171       87,255,814       7,426,365     8,642,100     24,087,396      31,800,407 
NET ASSETS:                                                                                                                       
  Beginning of year                     319,741,957      232,486,143      36,176,490    27,534,390    171,711,377     139,910,970 
                                    ------------------ ---------------- ------------- ------------- ---------------- -------------
  End of year                         $ 396,881,128    $ 319,741,957    $ 43,602,855  $ 36,176,490  $ 195,798,773    $171,711,377 
                                    ================== ================ ============= ============= ================ =============

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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

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                                                        [Enlarge/Download Table]
                                                                                                                                  
                                                                                                                                  
       MSF BLACKROCK BOND INCOME      MSF BLACKROCK MONEY MARKET MSF DAVIS VENTURE VALUE       MSF LOOMIS SAYLES SMALL CAP CORE   
             INVESTMENT DIVISION             INVESTMENT DIVISION     INVESTMENT DIVISION                    INVESTMENT DIVISION   
----------------------------------- ---------------------------- ----------------------- --------- -------------------------------
           2010             2009             2010          2009           2010      2009                    2010           2009   
------------------ ---------------- -------------- ------------- ---------------- ---------------- ---------------- --------------
 $   11,883,376    $  23,120,530    $  (1,071,086) $   (968,283) $  (2,246,214)   $     218,777    $  (1,719,901)   $ (1,319,069) 
         18,060       (3,553,898)              --            --        709,689       (8,155,901)      (2,686,986)     (6,979,260) 
     18,271,338       11,966,595               --            --     56,902,615      121,363,847       37,222,601      38,235,027  
------------------ ---------------- -------------- ------------- ---------------- ---------------- ---------------- --------------
     30,172,774       31,533,227       (1,071,086)     (968,283)    55,366,090      113,426,723       32,815,714      29,936,698  
------------------ ---------------- -------------- ------------- ---------------- ---------------- ---------------- --------------
     52,020,920       29,417,093        6,382,984    12,351,709     63,113,060       46,794,689       11,338,127      11,983,202  
     23,630,544          108,798        6,166,192    (6,372,063)    13,695,217        3,311,328       (8,066,883)       (727,911) 
       (886,856)        (580,519)        (416,922)     (295,289)    (1,564,211)      (1,074,965)        (402,418)       (297,840) 
    (47,062,031)     (42,820,946)     (13,143,423)  (19,948,420)   (40,048,934)     (28,452,805)     (11,556,566)     (8,439,759) 
------------------ ---------------- -------------- ------------- ---------------- ---------------- ---------------- --------------
     27,702,577      (13,875,574)      (1,011,169)  (14,264,063)    35,195,132       20,578,247       (8,687,740)      2,517,692  
------------------ ---------------- -------------- ------------- ---------------- ---------------- ---------------- --------------
     57,875,351       17,657,653       (2,082,255)  (15,232,346)    90,561,222      134,004,970       24,127,974      32,454,390  
    442,133,515      424,475,862       78,480,535    93,712,881    500,253,145      366,248,175      134,569,722     102,115,332  
------------------ ---------------- -------------- ------------- ---------------- ---------------- ---------------- --------------
 $  500,008,866    $ 442,133,515    $  76,398,280  $ 78,480,535  $ 590,814,367    $ 500,253,145    $ 158,697,696    $134,569,722  
================== ================ ============== ============= ================ ================ ================ ==============

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                                  
                                                                                                                                  
                                                                       MSF WESTERN ASSET MANAGEMENT MSF WESTERN ASSET MANAGEMENT  
                                       MSF MET/ARTISAN MID CAP VALUE   STRATEGIC BOND OPPORTUNITIES              U.S. GOVERNMENT  
                                                 INVESTMENT DIVISION            INVESTMENT DIVISION          INVESTMENT DIVISION  
                                    --------------------------------- ----------------------------- ----------------------------- 
                                               2010             2009           2010           2009           2010           2009  
                                    ------------------ -------------- -------------- -------------- ---------------- ------------ 
INCREASE (DECREASE) IN                                                                                                            
  NET ASSETS:                                                                                                                     
FROM OPERATIONS:                                                                                                                  
  Net investment income (loss)      $    (1,248,953)   $    (541,895) $  12,330,577   $ 11,436,478  $   2,704,673    $  5,900,203 
  Net realized gains (losses)           (11,883,832)     (22,113,686)     1,062,078      1,333,044        675,608        (684,005)
  Change in unrealized gains                                                                                                      
     (losses) on investments             39,292,335       83,024,516     14,079,765     45,138,520      5,628,530         416,911 
                                    ------------------ -------------- -------------- -------------- ---------------- ------------ 
     Net increase (decrease)                                                                                                      
       in net assets resulting                                                                                                    
       from operations                   26,159,550       60,368,935     27,472,420     57,908,042      9,008,811       5,633,109 
                                    ------------------ -------------- -------------- -------------- ---------------- ------------ 
CONTRACT TRANSACTIONS:                                                                                                            
  Purchase payments received                                                                                                      
     from contract owners                11,111,234       10,770,770      7,181,098      7,514,639     24,020,828      19,828,577 
  Net transfers (including                                                                                                        
     fixed account)                      (9,631,816)      (9,389,571)    14,579,265     (2,644,775)    12,142,791      16,300,379 
  Contract charges                         (370,267)        (328,485)      (613,628)      (545,439)      (706,184)       (470,382)
  Transfers for contract benefits                                                                                                 
     and terminations                   (20,183,971)     (14,803,802)   (24,463,267)   (17,935,640)   (21,266,077)    (17,493,208)
                                    ------------------ -------------- -------------- -------------- ---------------- ------------ 
     Net increase (decrease)                                                                                                      
       in net assets resulting from                                                                                               
       contract transactions            (19,074,820)     (13,751,088)    (3,316,532)   (13,611,215)    14,191,358      18,165,366 
                                    ------------------ -------------- -------------- -------------- ---------------- ------------ 
     Net increase (decrease)                                                                                                      
       in net assets                      7,084,730       46,617,847     24,155,888     44,296,827     23,200,169      23,798,475 
NET ASSETS:                                                                                                                       
  Beginning of year                     210,520,522      163,902,675    251,254,370    206,957,543    216,669,959     192,871,484 
                                    ------------------ -------------- -------------- -------------- ---------------- ------------ 
  End of year                         $ 217,605,252    $ 210,520,522  $ 275,410,258  $ 251,254,370  $ 239,870,128    $216,669,959 
                                    ================== ============== ============== ============== ================ ============ 

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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

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                                                        [Enlarge/Download Table]
                                                                                                                                  
                                                                                                                                  
                                                                                     MSF BLACKROCK                    MSF METLIFE 
          MSF FI VALUE LEADERS              MSF MFS TOTAL RETURN           LEGACY LARGE CAP GROWTH        CONSERVATIVE ALLOCATION 
           INVESTMENT DIVISION               INVESTMENT DIVISION               INVESTMENT DIVISION            INVESTMENT DIVISION 
--------------------------------- --------------------------------- --------------------------------- --------------------------- 
          2010            2009             2010             2009             2010             2009             2010         2009  
----------------- --------------- ---------------- ---------------- ---------------- ---------------- -------------- ------------ 
$       91,134    $    808,711    $   2,280,524    $   3,527,472    $  (1,482,376)   $    (853,249)   $   7,738,165   $ 3,605,323 
    (3,773,660)     (6,842,506)      (2,022,450)      (5,005,906)         589,751       (2,616,964)       1,589,320        64,497 
    12,070,359      17,819,485       11,037,082       20,542,973       21,645,637       32,027,030       20,197,256    35,107,624 
----------------- --------------- ---------------- ---------------- ---------------- ---------------- -------------- ------------ 
     8,387,833      11,785,690       11,295,156       19,064,539       20,753,012       28,556,817       29,524,741    38,777,444 
----------------- --------------- ---------------- ---------------- ---------------- ---------------- -------------- ------------ 
     2,045,366       3,077,208       11,365,512        9,589,818       17,076,573       13,069,160       69,241,656    49,732,173 
    (1,468,510)     (2,353,526)      (1,103,966)        (992,056)       4,209,145        9,612,523       69,917,338    57,607,499 
      (180,506)       (171,247)        (236,053)        (161,199)        (426,777)        (275,272)      (1,863,311)     (971,971)
    (6,290,996)     (4,560,741)     (12,711,002)     (11,601,570)      (9,189,369)      (7,265,530)     (29,585,393)  (16,237,148)
----------------- --------------- ---------------- ---------------- ---------------- ---------------- -------------- ------------ 
    (5,894,646)     (4,008,306)      (2,685,509)      (3,165,007)      11,669,572       15,140,881      107,710,290    90,130,553 
----------------- --------------- ---------------- ---------------- ---------------- ---------------- -------------- ------------ 
     2,493,187       7,777,384        8,609,647       15,899,532       32,422,584       43,697,698      137,235,031   128,907,997 
    69,067,926      61,290,542      133,692,456      117,792,924      114,584,021       70,886,323      295,306,945   166,398,948 
----------------- --------------- ---------------- ---------------- ---------------- ---------------- -------------- ------------ 
$   71,561,113    $ 69,067,926    $ 142,302,103    $ 133,692,456    $ 147,006,605    $ 114,584,021    $ 432,541,976  $295,306,945 
================= =============== ================ ================ ================ ================ ============== ============ 

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                                    
                                                                                                                                    
                                                           MSF METLIFE                                                   MSF METLIFE
                                              CONSERVATIVE TO MODERATE           MSF METLIFE MODERATE         MODERATE TO AGGRESSIVE
                                        ALLOCATION INVESTMENT DIVISION ALLOCATION INVESTMENT DIVISION ALLOCATION INVESTMENT DIVISION
                                    ---------------------------------- ------------------------------ ------------------------------
                                                2010             2009           2010            2009           2010             2009
                                    ----------------- ---------------- -------------- --------------- -------------- ---------------
INCREASE (DECREASE) IN                                                                                                              
  NET ASSETS:                                                                                                                       
FROM OPERATIONS:                                                                                                                    
  Net investment income (loss)      $     18,757,485  $    10,968,496  $   29,397,961 $   22,081,175  $   12,478,921  $   14,017,923
  Net realized gains (losses)                379,774          792,205      (1,002,375)    17,304,831     (11,069,862)      6,010,166
  Change in unrealized gains                                                                                                        
     (losses) on investments              74,956,639      120,163,789     280,212,338    332,438,949     187,492,470     292,333,518
                                    ----------------- ---------------- -------------- --------------- -------------- ---------------
     Net increase (decrease)                                                                                                        
       in net assets resulting                                                                                                      
       from operations                    94,093,898      131,924,490     308,607,924    371,824,955     188,901,529     312,361,607
                                    ----------------- ---------------- -------------- --------------- -------------- ---------------
CONTRACT TRANSACTIONS:                                                                                                              
  Purchase payments received                                                                                                        
     from contract owners                199,008,198      134,605,995     710,843,553    442,235,023     105,894,701     173,148,007
  Net transfers (including                                                                                                          
     fixed account)                       98,066,794       79,153,523     247,228,217    181,614,647     (38,343,207)     49,205,326
  Contract charges                        (5,146,378)      (3,029,280)    (15,239,926)    (8,673,720)    (10,114,317)    (8,494,519)
  Transfers for contract benefits                                                                                                   
     and terminations                    (60,344,977)     (38,624,653)   (123,335,313)   (75,457,825)    (74,021,751)   (45,304,345)
                                    ----------------- ---------------- -------------- --------------- -------------- ---------------
     Net increase (decrease)                                                                                                        
       in net assets resulting from                                                                                                 
       contract transactions             231,583,637      172,105,585     819,496,531    539,718,125     (16,584,574)    168,554,469
                                    ----------------- ---------------- -------------- --------------- -------------- ---------------
     Net increase (decrease)                                                                                                        
       in net assets                     325,677,535      304,030,075   1,128,104,455    911,543,080     172,316,955     480,916,076
NET ASSETS:                                                                                                                         
  Beginning of year                      811,434,046      507,403,971   2,125,104,855  1,213,561,775   1,456,360,305     975,444,229
                                    ----------------- ---------------- -------------- --------------- -------------- ---------------
  End of year                       $  1,137,111,581  $   811,434,046  $3,253,209,310 $2,125,104,855  $1,628,677,260 $1,456,360,305 
                                    ================= ================ ============== =============== ============== ===============

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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

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                                             MSF MET/DIMENSIONAL                    MSF VAN ECK                                  
MSF METLIFE AGGRESSIVE ALLOCATION    INTERNATIONAL SMALL COMPANY       GLOBAL NATURAL RESOURCES              MSF ZENITH EQUITY   
              INVESTMENT DIVISION            INVESTMENT DIVISION            INVESTMENT DIVISION            INVESTMENT DIVISION   
------------------------------------ ------------------------------ ------------------------------ ------------------------------
           2010              2009           2010         2009 (a)           2010        2009 (b)           2010           2009   
------------------ ----------------- -------------- --------------- --------------- -------------- --------------- --------------
$      (195,304)   $      564,220    $    (1,928)   $     (4,568)   $   (137,446)   $   (17,192)   $    207,659    $ 3,523,590   
     (1,521,368)       (3,858,892)        99,226          10,224         692,754            943      (4,427,478)     3,636,448   
     14,171,000        21,549,168        441,874         104,460       4,578,050        464,183      13,668,268     12,585,843   
------------------ ----------------- -------------- --------------- --------------- -------------- --------------- --------------
     12,454,328        18,254,496        539,172         110,116       5,133,358        447,934       9,448,449     19,745,881   
------------------ ----------------- -------------- --------------- --------------- -------------- --------------- --------------
     13,796,302        13,747,320      1,223,879         665,985       9,680,033      3,612,069         809,045        942,129   
        372,106           187,446        590,627         318,020       4,579,076      1,564,788      (1,636,802)    (2,899,710)  
       (260,360)         (230,241)       (10,719)             --         (76,312)            --         (93,993)      (104,407)  
     (4,742,412)       (3,607,589)       (67,456)         (6,842)       (229,383)       (10,865)    (12,659,622)   (10,989,048)  
------------------ ----------------- -------------- --------------- --------------- -------------- --------------- --------------
      9,165,636        10,096,936      1,736,331         977,163      13,953,414      5,165,992     (13,581,372)   (13,051,036)  
------------------ ----------------- -------------- --------------- --------------- -------------- --------------- --------------
     21,619,964        28,351,432      2,275,503       1,087,279      19,086,772      5,613,926      (4,132,923)     6,694,845   
     82,882,515        54,531,083      1,087,279              --       5,613,926             --      85,598,366     78,903,521   
------------------ ----------------- -------------- --------------- --------------- -------------- --------------- --------------
$   104,502,479    $   82,882,515    $ 3,362,782    $  1,087,279    $ 24,700,698    $ 5,613,926    $ 81,465,443    $85,598,366   
================== ================= ============== =============== =============== ============== =============== ==============

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                                   
                                                                                                                                   
                                         FIDELITY VIP MONEY MARKET      FIDELITY VIP EQUITY-INCOME           FIDELITY VIP GROWTH   
                                               INVESTMENT DIVISION             INVESTMENT DIVISION           INVESTMENT DIVISION   
                                    --------------------------------- ------------------------------- -----------------------------
                                              2010            2009            2010            2009            2010          2009   
                                    ----------------- --------------- --------------- --------------- --------------- -------------
INCREASE (DECREASE) IN                                                                                                             
  NET ASSETS:                                                                                                                      
FROM OPERATIONS:                                                                                                                   
  Net investment income (loss)       $    (151,091)   $    (34,453)   $    667,143     $   968,718    $   (530,689)   $   (335,614)
  Net realized gains (losses)                8,110              --      (3,399,915)     (7,011,086)     (1,747,215)     (3,358,483)
  Change in unrealized gains                                                                                                       
     (losses) on investments                    --              --      14,153,055      25,959,374      19,174,195       20,637,757
                                    ----------------- --------------- --------------- --------------- --------------- -------------
     Net increase (decrease)                                                                                                       
       in net assets resulting                                                                                                     
       from operations                    (142,981)        (34,453)     11,420,283      19,917,006      16,896,291       16,943,660
                                    ----------------- --------------- --------------- --------------- --------------- -------------
CONTRACT TRANSACTIONS:                                                                                                             
  Purchase payments received                                                                                                       
     from contract owners               94,396,891       4,165,125       2,662,345       2,875,124       2,733,475        3,186,635
  Net transfers (including                                                                                                         
     fixed account)                    (94,346,805)       (430,186)     (1,531,810)     (2,824,716)     (2,592,987)     (2,932,105)
  Contract charges                              --              --         (23,149)        (24,868)         (3,704)         (4,494)
  Transfers for contract benefits                                                                                                  
     and terminations                   (3,294,615)     (2,884,436)     (9,829,871)     (8,062,400)     (6,553,193)     (4,375,631)
                                    ----------------- --------------- --------------- --------------- --------------- -------------
     Net increase (decrease)                                                                                                       
       in net assets resulting from                                                                                                
       contract transactions            (3,244,529)        850,503      (8,722,485)     (8,036,860)     (6,416,409)     (4,125,595)
                                    ----------------- --------------- --------------- --------------- --------------- -------------
     Net increase (decrease)                                                                                                       
       in net assets                    (3,387,510)        816,050       2,697,798      11,880,146      10,479,882       12,818,065
NET ASSETS:                                                                                                                        
  Beginning of year                     15,639,330      14,823,280      88,951,615      77,071,469      78,687,001       65,868,936
                                    ----------------- --------------- --------------- --------------- --------------- -------------
  End of year                       $   12,251,820    $ 15,639,330    $ 91,649,413    $ 88,951,615    $ 89,166,883    $  78,687,001
                                    ================= =============== =============== =============== =============== =============

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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

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FIDELITY VIP INVESTMENT GRADE BOND    FIDELITY VIP FUNDSMANAGER 60%        CALVERT VP SRI BALANCED CALVERT VP SRI MID CAP GROWTH 
               INVESTMENT DIVISION              INVESTMENT DIVISION            INVESTMENT DIVISION           INVESTMENT DIVISION 
------------------------------------- -------------------------------- --------------------------- ------------------------------
          2010                2009            2010          2009 (c)           2010          2009          2010             2009 
----------------- ------------------- --------------- ---------------- ------------- ------------- --------------- --------------
$      572,208    $      1,488,904    $    241,361    $       2,153    $    142,141  $    447,308  $    (97,809)   $     (74,088)
       371,896               3,292         244,555              200        (685,900)   (1,511,050)      110,586         (103,621)
       525,375           1,051,355       7,448,599           (3,414)      5,550,635    10,250,596     2,821,839        2,401,762 
----------------- ------------------- --------------- ---------------- ------------- ------------- --------------- --------------
     1,469,479           2,543,551       7,934,515           (1,061)      5,006,876     9,186,854     2,834,616        2,224,053 
----------------- ------------------- --------------- ---------------- ------------- ------------- --------------- --------------
     1,784,716           1,701,633         154,271               --       3,234,117     3,208,943       632,519          700,463 
       294,062           1,615,218      92,253,872          250,003      (1,589,620)   (1,162,268)      (36,204)        (270,894)
        (1,605)             (1,799)             --               --         (12,934)      (10,597)       (1,773)          (1,787)
    (3,050,964)         (1,562,594)       (958,093)              --      (3,180,201)   (3,440,633)     (583,359)        (578,237)
----------------- ------------------- --------------- ---------------- ------------- ------------- --------------- --------------
      (973,791)          1,752,458      91,450,050          250,003      (1,548,638)   (1,404,555)       11,183         (150,455)
----------------- ------------------- --------------- ---------------- ------------- ------------- --------------- --------------
       495,688           4,296,009      99,384,565          248,942       3,458,238     7,782,299     2,845,799        2,073,598 
    21,659,031          17,363,022         248,942               --      47,408,049    39,625,750     9,388,607        7,315,009 
----------------- ------------------- --------------- ---------------- ------------- ------------- --------------- --------------
$   22,154,719    $     21,659,031    $ 99,633,507    $     248,942    $ 50,866,287  $ 47,408,049  $ 12,234,406    $   9,388,607 
================= =================== =============== ================ ============= ============= =============== ==============

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                                  
                                                                                                                                  
                                                                                    MIST MFS RESEARCH                             
                                     MIST LORD ABBETT BOND DEBENTURE                    INTERNATIONAL  MIST T. ROWE PRICE MID CAP 
                                                 INVESTMENT DIVISION              INVESTMENT DIVISION  GROWTH INVESTMENT DIVISION 
                                    ----------------------------------- ----------------------------- --------------------------- 
                                               2010             2009             2010           2009           2010         2009  
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
INCREASE (DECREASE) IN                                                                                                            
  NET ASSETS:                                                                                                                     
FROM OPERATIONS:                                                                                                                  
  Net investment income (loss)         $ 13,400,996    $  12,413,246     $  1,321,741  $   3,896,086  $  (2,819,703)  $(1,927,849)
  Net realized gains (losses)             1,073,013       (2,595,113)     (11,417,961)   (15,063,208)       291,154    (7,327,964)
  Change in net unrealized gains                                                                                                  
     (losses) on investments             15,344,333       53,501,077       32,690,397     67,514,057     55,974,973    63,017,056 
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
     Net increase (decrease)                                                                                                      
       in net assets resulting                                                                                                    
       from operations                   29,818,342       63,319,210       22,594,177     56,346,935     53,446,424    53,761,243 
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
CONTRACT TRANSACTIONS:                                                                                                            
  Purchase payments received                                                                                                      
     from contract owners                21,861,665       17,737,152       22,637,792     24,797,654     33,065,062    22,796,120 
  Net transfers (including                                                                                                        
     fixed account)                       9,744,111       19,934,290      (14,428,774)    (5,633,444)     7,612,076     7,208,374 
  Contract charges                         (730,567)        (479,112)        (723,632)      (539,382)      (708,168)     (397,652)
  Transfers for contract benefits                                                                                                 
     and terminations                   (23,041,530)     (18,825,136)     (17,194,311)   (13,696,821)   (15,568,222)   (9,620,124)
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
     Net increase (decrease)                                                                                                      
       in net assets resulting from                                                                                               
       capital transactions               7,833,679       18,367,194       (9,708,925)     4,928,007     24,400,748    19,986,718 
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
     Net increase (decrease)                                                                                                      
       in net assets                     37,652,021       81,686,404       12,885,252     61,274,942     77,847,172    73,747,961 
NET ASSETS:                                                                                                                       
  Beginning of year                     257,209,965      175,523,561      245,592,968    184,318,026    191,894,410   118,146,449 
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
  End of year                         $ 294,861,986    $257,209,965      $258,478,220  $ 245,592,968  $ 269,741,582  $191,894,410 
                                    ================== ================ ============== ============== ============== ============ 

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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

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          MIST PIMCO TOTAL RETURN               MIST RCM TECHNOLOGY          MIST LAZARD MID CAP MIST INVESCO SMALL CAP GROWTH   
              INVESTMENT DIVISION               INVESTMENT DIVISION          INVESTMENT DIVISION           INVESTMENT DIVISION   
------------------------------------ ------------------------------- --------------------------- --------------------------------
            2010             2009             2010             2009          2010          2009          2010             2009   
------------------- ---------------- ---------------- -------------- ------------- ------------- --------------- ----------------
$     19,239,645    $  32,502,708    $  (1,609,346)   $  (1,036,390) $   (214,510) $    (50,342) $   (421,859)   $    (314,728)  
       7,447,473       23,228,942       (1,369,845)      (5,709,756)   (1,666,941)   (3,827,519)     (525,750)      (1,472,153)  
      27,152,115       32,277,919       32,648,128       42,629,160    12,803,005    16,677,875     7,832,883        8,624,222   
------------------- ---------------- ---------------- -------------- ------------- ------------- --------------- ----------------
      53,839,233       88,009,569       29,668,937       35,883,014    10,921,554    12,800,014     6,885,274        6,837,341   
------------------- ---------------- ---------------- -------------- ------------- ------------- --------------- ----------------
     175,008,002      102,896,594       12,423,409        9,801,388     4,356,820     4,251,844     2,697,542        2,926,804   
     146,399,976      115,610,316        4,154,388       20,770,695     1,355,165      (727,826)   (2,972,174)       2,725,729   
      (3,004,374)      (1,381,439)        (363,380)        (199,350)     (161,060)     (114,090)     (102,250)         (66,594)  
     (69,566,031)     (47,177,184)      (9,023,144)      (5,066,442)   (4,142,484)   (2,834,473)   (2,505,609)      (1,576,070)  
------------------- ---------------- ---------------- -------------- ------------- ------------- --------------- ----------------
     248,837,573      169,948,287        7,191,273       25,306,291     1,408,441       575,455    (2,882,491)       4,009,869   
------------------- ---------------- ---------------- -------------- ------------- ------------- --------------- ----------------
     302,676,806      257,957,856       36,860,210       61,189,305    12,329,995    13,375,469     4,002,783       10,847,210   
     745,981,638      488,023,782      114,450,499       53,261,194    49,807,030    36,431,561    30,768,907       19,921,697   
------------------- ---------------- ---------------- -------------- ------------- ------------- --------------- ----------------
$  1,048,658,444    $ 745,981,638    $ 151,310,709    $ 114,450,499  $ 62,137,025  $ 49,807,030  $ 34,771,690    $  30,768,907   
=================== ================ ================ ============== ============= ============= =============== ================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                                 
                                                                                                                                 
                                                                                  MIST OPPENHEIMER MIST LEGG MASON CLEARBRIDGE   
                                    MIST HARRIS OAKMARK INTERNATIONAL         CAPITAL APPRECIATION           AGGRESSIVE GROWTH   
                                                  INVESTMENT DIVISION          INVESTMENT DIVISION         INVESTMENT DIVISION   
                                    ---------------------------------- --------------------------- ------------------------------
                                               2010              2009          2010          2009          2010           2009   
                                    ------------------ --------------- ------------- ------------- --------------- --------------
INCREASE (DECREASE) IN                                                                                                           
  NET ASSETS:                                                                                                                    
FROM OPERATIONS:                                                                                                                 
  Net investment income (loss)      $     2,087,253    $   13,206,089   $  (361,767) $   (364,705) $   (294,997)   $  (213,747)  
  Net realized gains (losses)            (5,609,524)      (13,872,934)     (793,451)   (2,231,334)     (768,247)    (1,601,836)  
  Change in net unrealized gains                                                                                                 
     (losses) on investments             54,709,202        93,466,520     4,872,565    12,376,850     6,050,147      6,788,291   
                                    ------------------ --------------- ------------- ------------- --------------- --------------
     Net increase (decrease)                                                                                                     
       in net assets resulting                                                                                                   
       from operations                   51,186,931        92,799,675     3,717,347     9,780,811     4,986,903      4,972,708   
                                    ------------------ --------------- ------------- ------------- --------------- --------------
CONTRACT TRANSACTIONS:                                                                                                           
  Purchase payments received                                                                                                     
     from contract owners                55,684,656        30,553,700     8,087,873     6,208,951     3,827,190      2,155,100   
  Net transfers (including                                                                                                       
     fixed account)                      35,509,224        26,499,665     1,727,499     4,122,671     1,887,423       (374,129)  
  Contract charges                       (1,081,941)         (603,623)     (173,446)      (91,216)      (57,854)       (32,852)  
  Transfers for contract benefits                                                                                                
     and terminations                   (23,962,616)      (13,767,842)   (2,360,479)   (1,635,162)   (1,916,298)    (1,286,520)  
                                    ------------------ --------------- ------------- ------------- --------------- --------------
     Net increase (decrease)                                                                                                     
       in net assets resulting from                                                                                              
       capital transactions              66,149,323        42,681,900     7,281,447     8,605,244     3,740,461        461,599   
                                    ------------------ --------------- ------------- ------------- --------------- --------------
     Net increase (decrease)                                                                                                     
       in net assets                    117,336,254       135,481,575    10,998,794    18,386,055     8,727,364      5,434,307   
NET ASSETS:                                                                                                                      
  Beginning of year                     304,862,337       169,380,762    38,120,403    19,734,348    21,068,292     15,633,985   
                                    ------------------ --------------- ------------- ------------- --------------- --------------
  End of year                       $   422,198,591    $  304,862,337  $ 49,119,197  $ 38,120,403  $ 29,795,656    $21,068,292   
                                    ================== =============== ============= ============= =============== ==============

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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

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MIST THIRD AVENUE SMALL CAP VALUE    MIST CLARION GLOBAL REAL ESTATE    MIST LEGG MASON VALUE EQUITY         MIST SSGA GROWTH ETF
              INVESTMENT DIVISION                INVESTMENT DIVISION             INVESTMENT DIVISION          INVESTMENT DIVISION
------------------------------------ ---------------------------------- ------------------------------- -------------------------
          2010               2009             2010              2009            2010            2009            2010        2009 
----------------- ------------------ ---------------- ----------------- --------------- --------------- ------------- -----------
$       (2,852)   $        (2,804)   $  14,192,568    $    3,233,717    $    164,030    $     41,935    $     90,051  $  (72,262)
       (40,527)           (48,124)      (7,589,978)      (18,040,091)     (1,044,166)     (3,211,469)      1,075,894     (61,526)
     1,603,706          1,578,309       22,351,529        66,807,201       2,673,355       8,675,121       7,513,340   8,773,495 
----------------- ------------------ ---------------- ----------------- --------------- --------------- ------------- -----------
     1,560,327          1,527,381       28,954,119        52,000,827       1,793,219       5,505,587       8,679,285   8,639,707 
----------------- ------------------ ---------------- ----------------- --------------- --------------- ------------- -----------
     1,470,460          1,391,422       16,901,719        15,437,839       4,515,982       2,796,723      11,647,734  15,361,070 
      (417,843)          (166,867)      (3,125,734)       (9,118,515)      3,112,340       1,293,146      12,726,150  24,455,530 
       (16,542)           (13,687)        (633,889)         (491,194)        (79,232)        (41,257)       (400,677)    (63,182)
      (319,757)          (135,181)     (15,199,403)      (10,392,599)     (1,913,606)     (1,233,705)     (3,120,829)   (572,429)
----------------- ------------------ ---------------- ----------------- --------------- --------------- ------------- -----------
       716,318          1,075,687       (2,057,307)       (4,564,469)      5,635,484       2,814,907      20,852,378  39,180,989 
----------------- ------------------ ---------------- ----------------- --------------- --------------- ------------- -----------
     2,276,645          2,603,068       26,896,812        47,436,358       7,428,703       8,320,494      29,531,663  47,820,696 
     7,743,513          5,140,445      201,669,413       154,233,055      22,707,490      14,386,996      54,665,570   6,844,874 
----------------- ------------------ ---------------- ----------------- --------------- --------------- ------------- -----------
$   10,020,158    $     7,743,513    $ 228,566,225    $  201,669,413    $ 30,136,193    $ 22,707,490    $ 84,197,233  $54,665,570
================= ================== ================ ================= =============== =============== ============= ===========

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                                  
                                                                                                                                  
                                                                                 MIST PIMCO INFLATION                             
                                     MIST SSGA GROWTH AND INCOME ETF                   PROTECTED BOND            MIST JANUS FORTY 
                                                 INVESTMENT DIVISION              INVESTMENT DIVISION         INVESTMENT DIVISION 
                                    ----------------------------------- ----------------------------- --------------------------- 
                                               2010             2009             2010           2009           2010         2009  
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
INCREASE (DECREASE) IN                                                                                                            
  NET ASSETS:                                                                                                                     
FROM OPERATIONS:                                                                                                                  
  Net investment income (loss)      $      (708,755)   $    (209,011)   $   3,827,409   $  4,847,737   $    991,065  $ (2,848,228)
  Net realized gains (losses)               116,700         (131,935)      10,472,904       (852,318)    (2,325,421)   (4,845,413)
  Change in net unrealized gains                                                                                                  
     (losses) on investments             46,487,224       18,801,405        8,009,393     31,700,720     29,106,518    80,966,696 
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
     Net increase (decrease)                                                                                                      
       in net assets resulting                                                                                                    
       from operations                   45,895,169       18,460,459       22,309,706     35,696,139     27,772,162    73,273,055 
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
CONTRACT TRANSACTIONS:                                                                                                            
  Purchase payments received                                                                                                      
     from contract owners               208,565,140       78,074,090       83,479,725     54,912,299     63,143,370    53,894,524 
  Net transfers (including                                                                                                        
     fixed account)                     153,589,461       78,904,363       66,372,663     62,355,417        155,142    52,919,731 
  Contract charges                       (1,980,810)        (176,935)      (1,630,995)      (739,270)    (1,435,148)     (736,624)
  Transfers for contract benefits                                                                                                 
     and terminations                    (9,273,469)      (1,434,132)     (25,281,140)   (15,585,833)   (18,120,161)  (10,019,802)
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
     Net increase (decrease)                                                                                                      
       in net assets resulting from                                                                                               
       capital transactions             350,900,322      155,367,386      122,940,253    100,942,613     43,743,203    96,057,829 
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
     Net increase (decrease)                                                                                                      
       in net assets                    396,795,491      173,827,845      145,249,959    136,638,752     71,515,365   169,330,884 
NET ASSETS:                                                                                                                       
  Beginning of year                     182,595,296        8,767,451      322,661,010    186,022,258    309,364,810   140,033,926 
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
  End of year                       $   579,390,787    $ 182,595,296    $ 467,910,969  $ 322,661,010  $ 380,880,175  $309,364,810 
                                    ================== ================ ============== ============== ============== ============ 

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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

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                                                                                                           MIST AMERICAN FUNDS   
   MIST BLACKROCK LARGE CAP CORE                      VARIABLE B                    VARIABLE C             BALANCED ALLOCATION   
             INVESTMENT DIVISION             INVESTMENT DIVISION           INVESTMENT DIVISION             INVESTMENT DIVISION   
----------------------------------- ------------------------------- ----------------------------- -------------------------------
           2010             2009            2010            2009           2010           2009             2010           2009   
------------------ ---------------- --------------- --------------- -------------- -------------- ---------------- --------------
$       967,145    $   2,442,829    $     64,184    $    106,053    $    12,167    $    14,361    $  (1,062,193)   $ (1,897,602) 
    (26,973,460)     (44,987,183)       (894,860)     (1,250,818)       (33,576)      (208,847)         531,199        (402,420) 
     93,404,052      139,465,150       2,364,194       3,651,500        140,629        358,311       47,023,020      40,665,645  
------------------ ---------------- --------------- --------------- -------------- -------------- ---------------- --------------
     67,397,737       96,920,796       1,533,518       2,506,735        119,220        163,825       46,492,026      38,365,623  
------------------ ---------------- --------------- --------------- -------------- -------------- ---------------- --------------
     25,719,963       23,140,190           1,973           1,794             --             --      170,955,523     110,245,829  
    (15,767,951)     (22,547,852)             --              --             --             --       67,661,263      62,442,288  
       (293,926)        (173,590)             --              --             --             --       (2,349,575)       (601,243) 
    (58,835,691)     (47,802,262)     (2,348,069)     (2,218,161)       (71,527)      (310,447)     (11,991,536)     (5,112,682) 
------------------ ---------------- --------------- --------------- -------------- -------------- ---------------- --------------
    (49,177,605)     (47,383,514)     (2,346,096)     (2,216,367)       (71,527)      (310,447)     224,275,675     166,974,192  
------------------ ---------------- --------------- --------------- -------------- -------------- ---------------- --------------
     18,220,132       49,537,282        (812,578)        290,368         47,693       (146,622)     270,767,701     205,339,815  
    639,219,543      589,682,261      15,078,294      14,787,926      1,044,718      1,191,340      269,080,901      63,741,086  
------------------ ---------------- --------------- --------------- -------------- -------------- ---------------- --------------
$   657,439,675    $ 639,219,543    $ 14,265,716    $ 15,078,294    $ 1,092,411    $ 1,044,718    $ 539,848,602    $ 269,080,901 
================== ================ =============== =============== ============== ============== ================ ==============

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                                   
                                                                                                                                   
                                                 MIST AMERICAN FUNDS                                           MIST AMERICAN FUNDS 
                                                   GROWTH ALLOCATION       MIST AMERICAN FUNDS GROWTH          MODERATE ALLOCATION 
                                                 INVESTMENT DIVISION              INVESTMENT DIVISION          INVESTMENT DIVISION 
                                    ----------------------------------- ------------------------------ --------------------------- 
                                               2010             2009             2010         2009 (a)          2010         2009  
                                    ------------------ ---------------- ---------------- ------------- -------------- ------------ 
INCREASE (DECREASE) IN                                                                                                             
  NET ASSETS:                                                                                                                      
FROM OPERATIONS:                                                                                                                   
  Net investment income (loss)     $     (1,259,542)   $  (2,562,417)   $  (1,322,970)   $  (265,677)  $     761,836   $(3,299,168)
  Net realized gains (losses)             2,901,779          231,324           22,594              14        774,379      (100,829)
  Change in net unrealized gains                                                                                                   
     (losses) on investments             33,173,352       63,675,843       26,881,903       7,000,295     52,534,878    58,690,180 
                                    ------------------ ---------------- ---------------- ------------- -------------- ------------ 
     Net increase (decrease)                                                                                                       
       in net assets resulting                                                                                                     
       from operations                   34,815,589       61,344,750       25,581,527       6,734,632     54,071,093    55,290,183 
                                    ------------------ ---------------- ---------------- ------------- -------------- ------------ 
CONTRACT TRANSACTIONS:                                                                                                             
  Purchase payments received                                                                                                       
     from contract owners                25,149,812       60,500,983       78,568,522      43,621,474    205,176,066   147,047,633 
  Net transfers (including                                                                                                         
     fixed account)                      10,819,336       61,786,117       35,988,154      14,721,162     99,670,190   121,843,010 
  Contract charges                       (2,162,316)      (1,216,456)        (692,168)             --     (3,948,995)   (1,269,523)
  Transfers for contract benefits                                                                                                  
     and terminations                   (12,814,680)      (4,876,752)      (3,129,572)       (201,254)   (23,518,435)   (8,491,061)
                                    ------------------ ---------------- ---------------- ------------- -------------- ------------ 
     Net increase (decrease)                                                                                                       
       in net assets resulting from                                                                                                
       capital transactions              20,992,152      116,193,892      110,734,936      58,141,382    277,378,826   259,130,059 
                                    ------------------ ---------------- ---------------- ------------- -------------- ------------ 
     Net increase (decrease)                                                                                                       
       in net assets                     55,807,741      177,538,642      136,316,463      64,876,014    331,449,919   314,420,242 
NET ASSETS:                                                                                                                        
  Beginning of year                     276,545,341       99,006,699       64,876,014              --    431,332,093   116,911,851 
                                    ------------------ ---------------- ---------------- ------------- -------------- ------------ 
  End of year                       $   332,353,082    $ 276,545,341    $ 201,192,477    $  64,876,014 $  762,782,012 $431,332,093 
                                    ================== ================ ================ ============= ============== ============ 

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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

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      MIST AMERICAN FUNDS BOND      MIST MET/TEMPLETON GROWTH    MIST MET/FRANKLIN INCOME       MIST MET/FRANKLIN MUTUAL SHARES
           INVESTMENT DIVISION            INVESTMENT DIVISION         INVESTMENT DIVISION                   INVESTMENT DIVISION
--------------------------------- ------------------------------ ------------------------------ -------------------------------
          2010         2009 (a)           2010           2009            2010        2009                 2010          2009   
------------------ --------------- --------------- -------------- --------------- ------------- ----------------- -------------
$       89,819    $    (73,532)   $    (36,150)   $   (68,747)    $   955,014     $   (217,160)   $   (335,924)   $ (134,457)  
        74,511           2,321         175,521         70,236         420,886           20,230         377,198        25,384   
     1,153,467         457,696       1,090,653      1,775,371       2,943,481        4,472,066       2,897,278     3,013,859   
------------------ --------------- --------------- -------------- --------------- ------------- ----------------- -------------
     1,317,797         386,485       1,230,024      1,776,860       4,319,381        4,275,136       2,938,552     2,904,786   
------------------ --------------- --------------- -------------- --------------- ------------- ----------------- -------------
    26,050,303      13,771,148       4,277,271      3,057,181      13,700,406        6,804,077       8,942,107     5,302,206   
    16,191,510       5,608,652       3,229,863      2,827,470      13,511,076        8,585,239      10,306,906     5,604,534   
      (240,968)             --         (63,960)       (14,763)       (174,850)         (58,746)       (132,335)      (33,381)  
    (1,128,653)        (61,981)       (630,556)      (223,248)     (2,500,295)        (931,883)     (1,180,859)     (551,744)  
------------------ --------------- --------------- -------------- --------------- ------------- ----------------- -------------
    40,872,192      19,317,819       6,812,618      5,646,640      24,536,337       14,398,688      17,935,819    10,321,615   
------------------ --------------- --------------- -------------- --------------- ------------- ----------------- -------------
    42,189,989      19,704,304       8,042,642      7,423,500      28,855,718       18,673,824      20,874,371    13,226,401   
    19,704,304              --       9,591,357      2,167,857      27,160,816        8,486,992      17,828,821     4,602,420   
------------------ --------------- --------------- -------------- --------------- ------------- ----------------- -------------
$   61,894,293    $ 19,704,304    $ 17,633,999    $ 9,591,357    $ 56,016,534    $  27,160,816    $ 38,703,192    $17,828,821  
================= =============== =============== ============== =============== ============== ================= =============

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                              
                                                                                                                              
                                       MIST MET/FRANKLIN TEMPLETON                                       MIST MET/TEMPLETON   
                                                 FOUNDING STRATEGY    MIST DREMAN SMALL CAP VALUE        INTERNATIONAL BOND   
                                               INVESTMENT DIVISION            INVESTMENT DIVISION       INVESTMENT DIVISION   
                                    --------------------------------- ------------------------------ -------------------------
                                              2010            2009           2010         2009 (a)          2010    2009 (b)  
                                    ----------------- --------------- -------------- --------------- -------------- ----------
INCREASE (DECREASE) IN                                                                                                        
  NET ASSETS:                                                                                                                 
FROM OPERATIONS:                                                                                                              
  Net investment income (loss)      $     (703,986)   $   (463,119)   $   (40,346)   $    (10,620)   $   (17,673)    $(1,811) 
  Net realized gains (losses)              921,374         179,768         14,535           4,436          7,683         275  
  Change in net unrealized gains                                                                                              
     (losses) on investments             4,426,690      10,412,976      1,281,581         388,081        224,095      18,908  
                                    ----------------- --------------- -------------- --------------- -------------- ----------
     Net increase (decrease)                                                                                                  
       in net assets resulting                                                                                                
       from operations                   4,644,078      10,129,625      1,255,770         381,897        214,105      17,372  
                                    ----------------- --------------- -------------- --------------- -------------- ----------
CONTRACT TRANSACTIONS:                                                                                                        
  Purchase payments received                                                                                                  
     from contract owners                4,947,679       8,971,398      3,729,955       2,079,673      2,536,123     502,955  
  Net transfers (including                                                                                                    
     fixed account)                      3,308,459      13,000,647      1,930,885         533,770      1,056,202     182,529  
  Contract charges                        (376,898)       (225,087)       (31,258)             --         (9,239)         --  
  Transfers for contract benefits                                                                                             
     and terminations                   (2,619,175)     (1,350,891)      (155,301)         (2,506)       (53,636)     (3,545) 
                                    ----------------- --------------- -------------- --------------- -------------- ----------
     Net increase (decrease)                                                                                                  
       in net assets resulting from                                                                                           
       capital transactions              5,260,065      20,396,067      5,474,281       2,610,937      3,529,450     681,939  
                                    ----------------- --------------- -------------- --------------- -------------- ----------
     Net increase (decrease)                                                                                                  
       in net assets                     9,904,143      30,525,692      6,730,051       2,992,834      3,743,555     699,311  
NET ASSETS:                                                                                                                   
  Beginning of year                     50,292,640      19,766,948      2,992,834              --        699,311         --   
                                    ----------------- --------------- -------------- --------------- -------------- ----------
  End of year                       $   60,196,783    $ 50,292,640    $ 9,722,885    $  2,992,834    $ 4,442,866    $699,311  
                                    ================= =============== ============== =============== ============== ==========

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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

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                                                        [Enlarge/Download Table]
                                                                                                                                  
                                                                                                                                  
                                                                                                              MIST      MIST MET/ 
                                                                                                    MORGAN STANLEY    EATON VANCE 
                                                       MIST MFS                                     MID CAP GROWTH  FLOATING RATE 
MIST LOOMIS SAYLES GLOBAL MARKETS       EMERGING MARKETS EQUITY  MIST PIONEER STRATEGIC INCOME          INVESTMENT     INVESTMENT 
              INVESTMENT DIVISION           INVESTMENT DIVISION            INVESTMENT DIVISION            DIVISION       DIVISION 
---------------------------------- ---------------------------- -------------------------------- ----------------- -------------- 
          2010            2009 (a)         2010        2009 (a)         2010          2009 (a)          2010 (d)         2010 (d) 
----------------- ---------------- --------------- ------------ --------------- ---------------- ----------------- -------------- 
$       57,888    $        (8,566) $    (82,237)   $   (30,559) $    423,364    $     (14,528)     $ (2,781,061)   $       (3,900)
       108,798              4,181        58,220         46,359        41,477            1,300           363,970               568 
     1,236,521            257,599     5,002,134      1,189,425     1,280,668          412,399        59,763,903            27,564 
----------------- ---------------- --------------- ------------ --------------- ---------------- ----------------- -------------- 
     1,403,207            253,214     4,978,117      1,205,225     1,745,509          399,171        57,346,812            24,232 
----------------- ---------------- --------------- ------------ --------------- ---------------- ----------------- -------------- 
     4,976,265          2,009,307    13,602,873      6,497,469    16,184,763        4,706,871        11,345,607           891,252 
     4,182,111            802,491     5,410,332      1,872,180     9,246,979        2,352,820       339,607,206           405,511 
       (38,857)                --      (106,857)            --       (81,633)              --          (190,863)            (290) 
      (155,556)           (39,122)     (434,390)       (27,207)     (404,068)         (31,945)      (21,249,880)         (14,591) 
----------------- ---------------- --------------- ------------ --------------- ---------------- ----------------- -------------- 
     8,963,963          2,772,676    18,471,958      8,342,442    24,946,041        7,027,746       329,512,070         1,281,882 
----------------- ---------------- --------------- ------------ --------------- ---------------- ----------------- -------------- 
    10,367,170          3,025,890    23,450,075      9,547,667    26,691,550        7,426,917       386,858,882         1,306,114 
     3,025,890                 --     9,547,667             --     7,426,917               --                --                -- 
----------------- ---------------- --------------- ------------ --------------- ---------------- ----------------- -------------- 
$   13,393,060    $     3,025,890  $ 32,997,742    $ 9,547,667  $ 34,118,467    $   7,426,917     $ 386,858,882    $    1,306,114 
================= ================ =============== ============ =============== ================ ================= ===============

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
STATEMENTS OF CHANGES IN NET ASSETS -- (CONCLUDED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                                  
                                                                                                                                  
                                                                                                                   AMERICAN FUNDS 
                                               AMERICAN FUNDS GROWTH     AMERICAN FUNDS GROWTH-INCOME GLOBAL SMALL CAPITALIZATION 
                                                 INVESTMENT DIVISION              INVESTMENT DIVISION         INVESTMENT DIVISION 
                                    ----------------------------------- ----------------------------- --------------------------- 
                                               2010             2009             2010           2009           2010         2009  
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
INCREASE (DECREASE) IN                                                                                                            
  NET ASSETS:                                                                                                                     
FROM OPERATIONS:                                                                                                                  
  Net investment income (loss)      $    (7,611,597)   $  (6,906,304)   $     343,863   $  1,070,101   $  1,499,951   $(4,748,344)
  Net realized gains (losses)            (7,968,450)     (23,827,315)      (3,955,205)   (13,511,260)    (6,774,900)  (22,105,780)
  Change in net unrealized gains                                                                                                  
     (losses) on investments            178,079,413      309,212,310       69,327,843    160,509,006    112,995,770   212,375,648 
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
     Net increase (decrease)                                                                                                      
       in net assets resulting                                                                                                    
       from operations                  162,499,366      278,478,691       65,716,501    148,067,847    107,720,821   185,521,524 
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
CONTRACT TRANSACTIONS:                                                                                                            
  Purchase payments received                                                                                                      
     from contract owners                41,944,806       58,204,596       62,316,340     49,769,676     51,991,152    43,902,177 
  Net transfers (including                                                                                                        
     fixed account)                     (36,480,164)      (8,881,832)       4,606,572       (907,252)    (8,532,736)   11,970,671 
  Contract charges                       (2,634,566)      (2,310,800)      (1,694,645)    (1,260,709)    (1,562,744)   (1,094,614)
  Transfers for contract benefits                                                                                                 
     and terminations                   (81,281,863)     (57,281,692)     (57,078,012)   (41,775,433)   (39,865,225)  (27,168,062)
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
     Net increase (decrease)                                                                                                      
       in net assets resulting from                                                                                               
       capital transactions             (78,451,787)     (10,269,728)       8,150,255      5,826,282      2,030,447    27,610,172 
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
     Net increase (decrease)                                                                                                      
       in net assets                     84,047,579      268,208,963       73,866,756    153,894,129    109,751,268   213,131,696 
NET ASSETS:                                                                                                                       
  Beginning of year                   1,020,275,073      752,066,110      664,724,752    510,830,623    528,416,498   315,284,802 
                                    ------------------ ---------------- -------------- -------------- -------------- ------------ 
  End of year                        $1,104,322,652    $1,020,275,073   $ 738,591,508  $ 664,724,752  $  638,167,766 $528,416,498 
                                    ================== ================ ============== ============== ============== ============ 

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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

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           AMERICAN FUNDS BOND   
           INVESTMENT DIVISION   
---------------------------------
           2010           2009   
------------------ --------------
$     2,130,045    $  2,345,950  
       (844,224)     (2,232,127) 
      5,723,309      13,602,392  
------------------ --------------
      7,009,130      13,716,215  
------------------ --------------
      5,134,778       9,012,454  
        287,661       6,950,953  
       (453,986)       (375,912) 
    (13,324,544)    (10,203,406) 
------------------ --------------
     (8,356,091)      5,384,089  
------------------ --------------
     (1,346,961)     19,100,304  
    146,076,081     126,975,777  
------------------ --------------
$   144,729,120    $146,076,081  
================== ==============

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
NOTES TO THE FINANCIAL STATEMENTS                                               

1. ORGANIZATION                                                                 

Metropolitan Life Separate Account E (the "Separate Account"), a separate       
account of Metropolitan Life Insurance Company (the "Company"), was established 
by the Company's Board of Directors on September 27, 1983 to support operations 
of the Company with respect to certain variable annuity contracts (the          
"Contracts"). The Company is a direct wholly-owned subsidiary of MetLife, Inc., 
a Delaware corporation. The Separate Account is registered as a unit investment 
trust under the Investment Company Act of 1940, as amended, and exists in       
accordance with the regulations of the New York State Insurance Department.     

On November 9, 2009, the Company combined The New England Variable Account,     
which is another separate account of the Company, with and into the Separate    
Account (the "Combination"). Since this was a transaction among entities under  
common control, it was accounted for in a manner similar to a pooling of        
interests and reflected in the financial statements and financial highlights as 
of the earliest period presented. The Combination was a tax-free transaction    
and there were no changes in the Company's obligations or the rights and        
benefits of any contract owners under the Contracts of each separate account    
pre or post Combination. Each Investment Division of The New England Variable   
Account has been combined with the Investment Divisions of the Separate         
Account.                                                                        

The Separate Account is divided into Investment Divisions, each of which is     
treated as an individual accounting entity for financial reporting purposes.    
Each Investment Division 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:                            

Metropolitan Series Fund, Inc. ("MSF")*                                         
Fidelity Variable Insurance Products ("Fidelity VIP")                           
Calvert Variable Series, Inc. ("Calvert")                                       
Met Investors Series Trust ("MIST")*                                            
American Funds Insurance Series ("American Funds")                              

*See Note 5 for discussion of additional information on related party           
transactions.                                                                   

The assets of each of the Investment Divisions of the Separate Account are      
registered in the name of the Company. Under applicable insurance law, the      
assets and liabilities of the Separate Account are clearly identified and       
distinguished from the Company's other assets and liabilities. The portion of   
the Separate Account's assets applicable to the Contracts is not chargeable     
with liabilities arising out of any other business the Company may conduct.     

2. LIST OF INVESTMENT DIVISIONS                                                 

A. Purchase payments, less any applicable charges, applied to the Separate      
Account are invested in one or more Investment Divisions in accordance with     
the selection made by the contract owner. The following Investment Divisions    
had net assets as of December 31, 2010:                                         

MSF BlackRock Diversified Investment Division*                                  
MSF BlackRock Aggressive Growth Investment Division*                            
MSF MetLife Stock Index Investment Division*                                    
MSF Artio International Stock Investment Division*                              
MSF T. Rowe Price Small Cap Growth Investment Division*                         
MSF Oppenheimer Global Equity Investment Division*                              
MSF MFS Value Investment Division*                                              
MSF Neuberger Berman Mid Cap Value Investment Division*                         
MSF T. Rowe Price Large Cap Growth Investment Division*                         
MSF Barclays Capital Aggregate Bond Index Investment Division*                  
MSF Morgan Stanley EAFE Index Investment Division*                              
MSF Russell 2000 Index Investment Division*                                     
MSF Jennison Growth Investment Division*                                        
MSF Neuberger Berman Genesis Investment Division*                               
MSF MetLife Mid Cap Stock Index Investment Division*                            
MSF Loomis Sayles Small Cap Growth Investment Division*                         
MSF BlackRock Large Cap Value Investment Division*                              
MSF BlackRock Bond Income Investment Division*                                  
MSF BlackRock Money Market Investment Division*                                 
MSF Davis Venture Value Investment Division*                                    

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

2. LIST OF INVESTMENT DIVISIONS -- (CONTINUED)                                  

MSF Loomis Sayles Small Cap Core Investment Division*                           
MSF Met/Artisan Mid Cap Value Investment Division*                              
MSF Western Asset Management Strategic Bond                                     
Opportunities Investment Division*                                            
MSF Western Asset Management U.S. Government Investment Division*               
MSF FI Value Leaders Investment Division*                                       
MSF MFS Total Return Investment Division*                                       
MSF BlackRock Legacy Large Cap Growth Investment Division*                      
MSF MetLife Conservative Allocation Investment Division*                        
MSF MetLife Conservative to Moderate Allocation Investment Division*            
MSF MetLife Moderate Allocation Investment Division*                            
MSF MetLife Moderate to Aggressive Allocation Investment Division*              
MSF MetLife Aggressive Allocation Investment Division*                          
MSF Met/Dimensional International Small Company Investment Division             
MSF Van Eck Global Natural Resources Investment Division                        
MSF Zenith Equity Investment Division                                           
Fidelity VIP Money Market Investment Division*                                  
Fidelity VIP Equity-Income Investment Division                                  
Fidelity VIP Growth Investment Division                                         
Fidelity VIP Investment Grade Bond Investment Division                          
Fidelity VIP FundsManager 60% Investment Division                               
Calvert VP SRI Balanced Investment Division                                     
Calvert VP SRI Mid Cap Growth Investment Division                               
MIST Lord Abbett Bond Debenture Investment Division*                            
MIST MFS Research International Investment Division*                            
MIST T. Rowe Price Mid Cap Growth Investment Division*                          
MIST PIMCO Total Return Investment Division*                                    
MIST RCM Technology Investment Division*                                        
MIST Lazard Mid Cap Investment Division*                                        
MIST Invesco Small Cap Growth Investment Division*                              
MIST Harris Oakmark International Investment Division*                          
MIST Oppenheimer Capital Appreciation Investment Division*                      
MIST Legg Mason ClearBridge Aggressive Growth Investment Division*              
MIST Third Avenue Small Cap Value Investment Division                           
MIST Clarion Global Real Estate Investment Division*                            
MIST Legg Mason Value Equity Investment Division*                               
MIST SSgA Growth ETF Investment Division*                                       
MIST SSgA Growth and Income ETF Investment Division*                            
MIST PIMCO Inflation Protected Bond Investment Division*                        
MIST Janus Forty Investment Division*                                           
MIST BlackRock Large Cap Core Investment Division*                              
Variable B Investment Division (a)                                              
Variable C Investment Division (a)                                              
MIST American Funds Balanced Allocation Investment Division*                    
MIST American Funds Growth Allocation Investment Division*                      
MIST American Funds Growth Investment Division                                  
MIST American Funds Moderate Allocation Investment Division*                    
MIST American Funds Bond Investment Division                                    
MIST Met/Templeton Growth Investment Division                                   
MIST Met/Franklin Income Investment Division                                    
MIST Met/Franklin Mutual Shares Investment Division                             
MIST Met/Franklin Templeton Founding Strategy Investment Division               
MIST Dreman Small Cap Value Investment Division                                 
MIST Met/Templeton International Bond Investment Division                       
MIST Loomis Sayles Global Markets Investment Division                           
MIST MFS Emerging Markets Equity Investment Division                            
MIST Pioneer Strategic Income Investment Division                               
MIST Morgan Stanley Mid Cap Growth Investment Division*(b)                      
MIST Met/Eaton Vance Floating Rate Investment Division (b)                      
American Funds Growth Investment Division                                       
American Funds Growth-Income Investment Division                                
American Funds Global Small Capitalization Investment Division                  
American Funds Bond Investment Division                                         

(a)  Variable B Investment Division and Variable C Investment Division only     
invest in the BlackRock Large Cap Core Portfolio.                     

(b)  This Investment Division began operations during the year ended December   
31, 2010.                                                             

*    This Investment Division invests in two or more share classes within the   
   underlying portfolio, series, or fund of the Trusts that may assess 12b-1
fees.                                                                 

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

2. LIST OF INVESTMENT DIVISIONS -- (CONCLUDED)                                  

B. The following Investment Division had no net assets as of December 31,       
2010:                                                                           
Variable D Investment Division                                                  

3. PORTFOLIO CHANGES                                                            

The following Investment Division ceased operations during the year ended       
December 31, 2010:                                                              

MSF FI Mid Cap Opportunities Investment Division                                

The operations of the Investment Divisions were affected by the following       
changes that occurred during the year ended December 31, 2010:                  

                                                        [Enlarge/Download Table]
                                                                                            
                                                                                            
NAME CHANGES:                                                                               

FORMER NAME                                  NEW NAME                                       
-------------------------------------------- -----------------------------------------------
(MSF) BlackRock Strategic Value Portfolio    (MSF) Neuberger Berman Genesis Portfolio       
(Calvert) Social Balanced Portfolio          (Calvert) VP SRI Balanced Portfolio            
(Calvert) Social Mid Cap Growth Portfolio    (Calvert) VP SRI Mid Cap Growth Portfolio      
(MIST) Met/AIM Small Cap Growth Portfolio    (MIST) Invesco Small Cap Growth Portfolio      
(MIST) Legg Mason Partners Aggressive Growth (MIST) Legg Mason ClearBridge Aggressive Growth
  Portfolio                                    Portfolio                                    

MERGER:                                                                                     

FORMER PORTFOLIO                             NEW PORTFOLIO                                  
-------------------------------------------- -----------------------------------------------
(MSF) FI Mid Cap Opportunities Portfolio     (MIST) Morgan Stanley Mid Cap Growth Portfolio 

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                                                              
The Investment Divisions' investment in shares of the 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       
Investment Divisions.                                                           

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

4. SIGNIFICANT ACCOUNTING POLICIES -- (CONTINUED)                               

SECURITY VALUATION -- (CONTINUED)                                               
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.        
Level 2 Quoted prices in markets that are not active or inputs that are         
observable either directly or indirectly.                       
Level 3 Unobservable inputs that are supported by little or no market activity  
and are significant to the fair value of the assets.            

Each Investment Division invests in shares of open-end mutual funds which       
calculate a daily NAV based on the 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.                                

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 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 4.0%.   
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, and are reported as contract transactions on the    
statements of changes in net assets of the applicable Investment Divisions.     

NET TRANSFERS                                                                   
Funds transferred by the contract owner into or out of the Investment Divisions 
within the Separate Account or into and out of the fixed account (an investment 
option in 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          
Investment Divisions.                                                           

USE OF ESTIMATES                                                                
The preparation of financial statements in accordance with GAAP requires        
management to make estimates and assumptions that affect amounts reported       
herein. Actual results could differ from these estimates.                       

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

4. SIGNIFICANT ACCOUNTING POLICIES -- (CONCLUDED)                               

ADOPTION OF NEW ACCOUNTING PRONOUNCEMENTS                                       
Effective January 1, 2010, the Separate Account adopted new guidance that       
requires new disclosures about significant transfers in and/or out of Levels 1  
and 2 of the fair value hierarchy and activity in Level 3. In addition, this    
guidance provides clarification of existing disclosure requirements about the   
level of disaggregation and inputs and valuation techniques. The adoption of    
this guidance did not have an impact on the Separate Account's financial        
statements.                                                                     

Effective December 31, 2009, the Separate Account adopted new guidance on: (i)  
measuring the fair value of investments in certain entities that calculate a    
NAV per share; (ii) how investments within its scope would be classified in the 
fair value hierarchy; and (iii) enhanced disclosure requirements about the      
nature and risks of investments measured at fair value on a recurring or        
non-recurring basis. As a result, the Separate Account classified all of its    
investments, which utilize a NAV to measure fair value, as Level 2 in the fair  
value hierarchy.                                                                

Effective April 1, 2009, the Separate Account adopted prospectively new         
guidance, which establishes general standards for accounting and disclosures of 
events that occur subsequent to the statements of assets and liabilities date   
but before financial statements are issued as revised in February 2010. The     
Separate Account has provided the required disclosures, if any, in its          
financial statements.                                                           

5. EXPENSES AND RELATED PARTY TRANSACTIONS                                      

The following annual Separate Account charges paid to the Company are           
asset-based charges and assessed through a daily reduction in unit values,      
which are recorded as expenses in the accompanying statements of operations of  
the applicable Investment Divisions:                                            

MORTALITY AND EXPENSE RISK -- The mortality risk assumed by the Company is the  
risk that those insured may die sooner than anticipated and therefore, the      
Company will pay an aggregate amount of death benefits greater than             
anticipated. The expense risk assumed 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.                                                               

EARNINGS PRESERVATION BENEFIT -- For an additional charge, the Company will     
provide this additional death benefit.                                          

ENHANCED STEPPED-UP PROVISION -- For an additional charge, the total death      
benefit payable may be increased based on the greater of the account balance or 
highest annual contract anniversary value in the contract or the greater of the 
account balance, annual increase amount or highest annual contract anniversary  
value in the contract.                                                          

GUARANTEED WITHDRAWAL BENEFIT FOR LIFE -- For a charge that includes the        
Mortality and Expense Risk charge and a guaranteed withdrawal benefit, the      
Company will guarantee the periodic return on the investment for life of a      
single annuitant or joint annuitants.                                           

                                                                [Download Table]
                                                    
                                                    
Mortality and Expense Risk             0.00% - 2.05%
Administrative                         0.20% - 0.50%
Earnings Preservation Benefit          0.25%        
Enhanced Stepped-Up Provision          0.10% - 0.35%
Guaranteed Withdrawal Benefit for Life 1.90% - 2.05%

The above referenced charges may not necessarily correspond to the costs        
associated with providing the services or benefits indicated by the designation 
of the charge or associated with a particular contract. The range of the        
effective rates disclosed above excludes any waivers granted to certain         
Divisions.                                                                      

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

5. EXPENSES AND RELATED PARTY TRANSACTIONS -- (CONTINUED)                       

The following optional rider charges paid to the Company are charged at each    
contract anniversary date through the redemption of unit values, which are      
recorded as contract charges in the accompanying statements of changes in net   
assets of the applicable Investment Divisions:                                  

GUARANTEED MINIMUM ACCUMULATION BENEFIT -- For an additional charge, the        
Company will guarantee that the contract value will not be less than a          
guaranteed minimum amount at the end of a specified number of years.            

LIFETIME WITHDRAWAL GUARANTEE -- For an additional charge, the Company will     
guarantee the periodic return on the investment for life.                       

GUARANTEED WITHDRAWAL BENEFIT -- For an additional charge, the Company will     
guarantee the periodic return on the investment.                                

GUARANTEED MINIMUM INCOME BENEFIT -- For an additional charge, the Company will 
guarantee a minimum payment regardless of market conditions.                    

ENHANCED DEATH BENEFIT -- For an additional charge, the amount of the death     
benefit will be the greater of the account value or the death benefit base.     

The table below represents the range of effective annual rates for each         
respective charge for the year ended December 31, 2010:                         

                                                                [Download Table]
                                                     
                                                     
Guaranteed Minimum Accumulation Benefit         0.75%
Lifetime Withdrawal Guarantee           0.50% - 1.80%
Guaranteed Withdrawal Benefit           0.50% - 1.00%
Guaranteed Minimum Income Benefit       0.35% - 1.50%
Enhanced Death Benefit                  0.60% - 1.50%

The above referenced charges may not necessarily correspond to the costs        
associated with providing the services or benefits indicated by the designation 
of the charge or associated with a particular contract.                         

A contract administrative charge which ranges from $15 to $30 is assessed on an 
annual basis for Contracts, which may be waived, if the Contract reaches a      
certain asset size or under certain circumstances. In addition, the Contracts   
impose a surrender charge which ranges from 0% to 10%, if the contract is       
partially or fully surrendered within the specified surrender charge period.    
These charges are paid to the Company, assessed through the redemption of       
units, and recorded as contract charges in the accompanying statements of       
changes in net assets of the applicable Investment Divisions.                   

Certain investments in the various portfolios of the MIST and MSF Trusts hold   
shares that are managed by MetLife Advisers, LLC, which acts in the capacity of 
investment advisor and is an indirect affiliate of the Company. On May 1, 2009, 
Met Investors Advisory, LLC, an indirect affiliate of the Company and previous  
manager of the MIST Trust, merged into MetLife Advisors, LLC.                   

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

6. STATEMENTS OF INVESTMENTS                                                    

                                                        [Enlarge/Download Table]
                                                                                                                
                                                                                                                
                                                                                              FOR THE YEAR ENDED
                                                            AS OF DECEMBER 31, 2010            DECEMBER 31, 2010
                                                          ------------------------- ----------------------------
                                                                                          COST OF       PROCEEDS
                                                               SHARES      COST ($) PURCHASES ($) FROM SALES ($)
                                                          ----------- ------------- ------------- --------------
MSF BlackRock Diversified Investment Division              44,768,368   730,402,151    15,921,371     94,793,318
MSF BlackRock Aggressive Growth Investment Division        18,962,144   419,647,906    17,829,948     58,265,506
MSF MetLife Stock Index Investment Division                90,038,082 2,643,128,911   183,434,503    234,945,061
MSF Artio International Stock Investment Division          19,786,285   221,795,494    12,423,334     23,116,612
MSF T.Rowe Price Small Cap Growth Investment Division      16,303,348   200,150,398    34,957,571     21,444,849
MSF Oppenheimer Global Equity Investment Division          14,494,999   196,458,698    24,111,796     19,486,467
MSF MFS Value Investment Division                          22,849,748   286,264,426    31,643,547     26,424,870
MSF Neuberger Berman Mid Cap Value Investment Division     25,392,911   464,670,781    54,581,789     43,788,535
MSF T.Rowe Price Large Cap Growth Investment Division      13,050,985   166,419,773     9,852,334     26,208,443
MSF Barclays Capital Aggregate Bond Index                                                                       
  Investment Division                                      95,639,580 1,021,671,898   220,823,498     86,991,099
MSF Morgan Stanley EAFE Index Investment Division          39,103,833   451,996,437    64,797,023     35,220,478
MSF Russell 2000 Index Investment Division                 21,195,392   253,919,379    22,346,126     30,382,577
MSF Jennison Growth Investment Division                     5,633,324    59,346,489    19,923,923      6,736,322
MSF Neuberger Berman Genesis Investment Division           24,955,126   379,715,918     5,954,409     37,863,591
MSF MetLife Mid Cap Stock Index Investment Division        28,770,522   349,016,683    38,310,770     40,498,965
MSF Loomis Sayles Small Cap Growth Investment Division      4,557,830    41,376,068     3,605,598      6,745,214
MSF BlackRock Large Cap Value Investment Division          19,225,695   219,491,325    23,898,955     14,614,882
MSF BlackRock Bond Income Investment Division               4,648,721   494,019,940    85,628,960     46,042,745
MSF BlackRock Money Market Investment Division                763,998    76,399,830    33,984,673     36,066,996
MSF Davis Venture Value Investment Division                19,002,003   546,239,749    66,380,349     33,431,283
MSF Loomis Sayles Small Cap Core Investment Division          721,709   148,724,165     9,565,302     19,973,277
MSF Met/Artisan Mid Cap Value Investment Division           1,301,815   276,906,993     8,259,512     28,583,510
MSF Western Asset Management Strategic Bond Opportunities                                                       
  Investment Division                                      21,429,866   259,736,808    43,418,625     34,404,246
MSF Western Asset Management U.S. Government                                                                    
  Investment Division                                      19,787,387   238,474,120    42,279,576     24,742,371
MSF FI Value Leaders Investment Division                      506,517    87,804,968     4,789,158     10,592,570
MSF MFS Total Return Investment Division                    1,100,448   149,179,484    16,657,277     17,062,465
MSF BlackRock Legacy Large Cap Growth                                                                           
  Investment Division                                       5,431,958   120,301,762    28,846,386     18,659,718
MSF MetLife Conservative Allocation Investment Division    37,792,972   399,370,700   141,422,009     25,973,793
MSF MetLife Conservative to Moderate Allocation                                                                 
  Investment Division                                     100,769,695 1,056,986,380   274,235,310     23,894,691
MSF MetLife Moderate Allocation Investment Division       293,038,239 3,053,532,484   875,193,406     26,299,200
MSF MetLife Moderate to Aggressive Allocation                                                                   
  Investment Division                                     149,258,696 1,605,533,558    99,079,965    103,185,808
MSF MetLife Aggressive Allocation Investment Division       9,775,191   101,241,619    20,616,885     11,646,763
MSF Met/Dimensional International Small Company                                                                 
  Investment Division                                         202,359     2,816,869     1,975,175        149,342
MSF Van Eck Global Natural Resources Investment Division    1,371,518    19,658,804    15,173,326        695,808
MSF Zenith Equity Investment Division                         255,530    93,967,631     2,461,558     15,835,366
Fidelity VIP Money Market Investment Division              12,251,917    12,251,922    46,164,151     49,551,658
Fidelity VIP Equity-Income Investment Division              4,818,590   108,265,780     2,983,398     11,038,725
Fidelity VIP Growth Investment Division                     2,404,068    94,475,911     1,344,711      8,022,454
Fidelity VIP Investment Grade Bond Investment Division      1,726,790    21,948,342     3,532,207      3,695,429
Fidelity VIP FundsManager 60% Investment Division          10,084,363    92,188,323    93,022,933      1,123,945
Calvert VP SRI Balanced Investment Division                30,009,840    55,470,395     2,651,529      4,058,215
Calvert VP SRI Mid Cap Growth Investment Division             371,189     8,911,484       699,563        786,219
MIST Lord Abbett Bond Debenture Investment Division        22,862,775   270,707,917    48,455,936     27,221,826
MIST MFS Research International Investment Division        25,273,528   289,527,572    30,479,167     38,866,450
MIST T. Rowe Price Mid Cap Growth Investment Division      27,806,448   222,195,137    44,586,553     23,006,209
MIST PIMCO Total Return Investment Division                85,027,212   994,243,537   323,342,483     50,662,908
MIST RCM Technology Investment Division                    31,550,661   128,534,662    33,242,412     27,661,127
MIST Lazard Mid Cap Investment Division                     5,474,658    64,462,278     8,824,952      7,630,859

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

6. STATEMENTS OF INVESTMENTS -- (CONTINUED)                                     

                                                        [Enlarge/Download Table]
                                                                                                                
                                                                                                                
                                                                                              FOR THE YEAR ENDED
                                                            AS OF DECEMBER 31, 2010            DECEMBER 31, 2010
                                                           ------------------------ ----------------------------
                                                                                          COST OF       PROCEEDS
                                                               SHARES      COST ($) PURCHASES ($) FROM SALES ($)
                                                           ---------- ------------- ------------- --------------
MIST Invesco Small Cap Growth Investment Division           2,494,983    30,338,207     7,125,311     10,429,775
MIST Harris Oakmark International Investment Division      30,984,765   436,446,946    95,683,300     27,447,143
MIST Oppenheimer Capital Appreciation Investment Division   8,059,489    52,005,136    11,496,319      4,576,914
MIST Legg Mason ClearBridge Aggressive Growth                                                                   
  Investment Division                                       3,997,690    28,132,827     8,924,277      5,479,130
MIST Third Avenue Small Cap Value Investment Division         668,478     9,501,639     1,357,109        643,627
MIST Clarion Global Real Estate Investment Division        22,400,851   298,128,034    28,197,758     16,062,996
MIST Legg Mason Value Equity Investment Division            4,618,645    35,156,347     8,710,775      2,911,186
MIST SSgA Growth ETF Investment Division                    7,605,623    71,037,060    33,569,880     12,627,435
MIST SSgA Growth and Income ETF Investment Division        50,689,841   516,088,077   352,943,574      2,739,294
MIST PIMCO Inflation Protected Bond Investment Division    41,112,421   451,062,602   153,510,240     16,785,856
MIST Janus Forty Investment Division                        5,677,188   358,478,494    84,774,710     40,040,558
MIST BlackRock Large Cap Core Investment Division          75,684,724   801,115,145    26,614,688     74,825,186
Variable B Investment Division                              1,639,737    17,719,866       198,819      2,480,729
Variable C Investment Division                                125,565     1,359,468        19,251         78,590
MIST American Funds Balanced Allocation                                                                         
  Investment Division                                      55,199,304   467,165,092   228,152,523      4,772,387
MIST American Funds Growth Allocation Investment Division  35,891,348   268,904,829    47,952,169     28,219,762
MIST American Funds Growth Investment Division             21,988,302   167,310,770   109,778,854        366,737
MIST American Funds Moderate Allocation                                                                         
  Investment Division                                      76,354,625   671,457,351   286,983,684      8,843,235
MIST American Funds Bond Investment Division                6,183,299    60,283,660    43,205,623      2,243,517
MIST Met/Templeton Growth Investment Division               1,892,183    15,183,799     9,398,620      2,622,029
MIST Met/Franklin Income Investment Division                5,235,287    49,694,695    28,022,788      2,329,140
MIST Met/Franklin Mutual Shares Investment Division         4,368,417    33,802,306    18,851,165        949,835
MIST Met/Franklin Templeton Founding Strategy                                                                   
  Investment Division                                       6,105,251    49,330,014    12,210,455      7,654,611
MIST Dreman Small Cap Value Investment Division               657,873     8,053,697     5,579,635        145,598
MIST Met/Templeton International Bond Investment Division     358,320     4,200,167     3,667,100        154,745
MIST Loomis Sayles Global Markets Investment Division       1,138,902    11,899,364    10,314,982      1,293,086
MIST MFS Emerging Markets Equity Investment Division        2,856,983    26,806,598    18,947,247        557,485
MIST Pioneer Strategic Income Investment Division           3,073,785    32,425,949    26,325,818        956,286
MIST Morgan Stanley Mid Cap Growth Investment Division (a) 32,677,789   327,096,581   353,012,015     26,279,404
MIST Met/Eaton Vance Floating Rate Investment Division (a)    126,591     1,278,856     1,315,041         36,753
American Funds Growth Investment Division                  20,322,492 1,048,797,067    23,581,863    109,645,426
American Funds Growth-Income Investment Division           21,564,758   744,094,756    50,924,000     42,430,675
American Funds Global Small Capitalization                                                                      
  Investment Division                                      29,890,835   616,493,708    51,494,227     47,964,648
American Funds Bond Investment Division                    13,705,577   151,632,859    15,133,576     21,359,720

(a) For the period May 3, 2010 to December 31, 2010.                            

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

7. SCHEDULES OF UNITS                                                           
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009:                                 

                                                        [Enlarge/Download Table]
                                                                                                                    
                                                                                                                    
                                          MSF BLACKROCK               MSF BLACKROCK                   MSF METLIFE   
                                            DIVERSIFIED           AGGRESSIVE GROWTH                   STOCK INDEX   
                                    INVESTMENT DIVISION         INVESTMENT DIVISION           INVESTMENT DIVISION   
                               --------------------------- --------------------------- -----------------------------
                                     2010          2009          2010          2009           2010           2009   
                               ------------- ------------- ------------- ------------- -------------- --------------
Units beginning of year        23,518,536    26,879,083    14,747,259    15,776,330     71,097,931     73,669,152   
Units issued and transferred                                                                                        
  from other funding options      922,191     1,157,462     1,444,253     1,875,022     10,066,939     12,006,384   
Units redeemed and transferred                                                                                      
  to other funding options     (3,574,770)   (4,518,009)   (2,600,335)   (2,904,093)   (12,147,479)   (14,577,605)  
                               ------------- ------------- ------------- ------------- -------------- --------------
Units end of year              20,865,957    23,518,536    13,591,177    14,747,259     69,017,391     71,097,931   
                               ============= ============= ============= ============= ============== ==============

                                                        [Enlarge/Download Table]
                                                                                                                  
                                                                                                                  
                                                    MSF        MSF NEUBERGER BERMAN           MSF T. ROWE PRICE   
                                              MFS VALUE               MID CAP VALUE            LARGE CAP GROWTH   
                                    INVESTMENT DIVISION         INVESTMENT DIVISION         INVESTMENT DIVISION   
                               --------------------------- --------------------------- ---------------------------
                                     2010          2009          2010          2009          2010          2009   
                               ------------- ------------- ------------- ------------- ------------- -------------
Units beginning of year        22,877,144    23,729,130    20,178,988    21,460,291    14,615,966    14,856,276   
Units issued and transferred                                                                                      
  from other funding options    4,764,399     3,966,156     5,055,127     3,837,280     1,818,424     2,719,558   
Units redeemed and transferred                                                                                    
  to other funding options     (4,328,953)   (4,818,142)   (4,596,664)   (5,118,583)   (2,939,733)   (2,959,868)  
                               ------------- ------------- ------------- ------------- ------------- -------------
Units end of year              23,312,590    22,877,144    20,637,451    20,178,988    13,494,657    14,615,966   
                               ============= ============= ============= ============= ============= =============

                                                        [Enlarge/Download Table]
                                                                                                                  
                                                                                                                  
                                           MSF JENNISON               MSF NEUBERGER                 MSF METLIFE   
                                                 GROWTH              BERMAN GENESIS         MID CAP STOCK INDEX   
                                    INVESTMENT DIVISION         INVESTMENT DIVISION         INVESTMENT DIVISION   
                               --------------------------- --------------------------- ---------------------------
                                     2010          2009          2010          2009          2010          2009   
                               ------------- ------------- ------------- ------------- ------------- -------------
Units beginning of year        10,221,743     7,367,023    21,389,031    23,715,736    23,602,002    22,949,647   
Units issued and transferred                                                                                      
  from other funding options    5,124,755     5,225,205     1,676,202     2,477,831     5,365,851     5,810,132   
Units redeemed and transferred                                                                                    
  to other funding options     (2,695,315)   (2,370,485)   (4,167,922)   (4,804,536)   (5,666,576)   (5,157,777)  
                               ------------- ------------- ------------- ------------- ------------- -------------
Units end of year              12,651,183    10,221,743    18,897,311    21,389,031    23,301,277    23,602,002   
                               ============= ============= ============= ============= ============= =============

                                                        [Enlarge/Download Table]
                                                                                                                  
                                                                                                                  
                                          MSF BLACKROCK                   MSF DAVIS           MSF LOOMIS SAYLES   
                                           MONEY MARKET               VENTURE VALUE              SMALL CAP CORE   
                                    INVESTMENT DIVISION         INVESTMENT DIVISION         INVESTMENT DIVISION   
                               --------------------------- --------------------------- ---------------------------
                                     2010          2009          2010          2009          2010          2009   
                               ------------- ------------- ------------- ------------- ------------- -------------
Units beginning of year         9,055,515    13,377,855    24,861,457    26,126,308     9,510,756    10,338,609   
Units issued and transferred                                                                                      
  from other funding options    3,178,679     3,882,737     4,054,110     4,046,790       987,645     1,518,790   
Units redeemed and transferred                                                                                    
  to other funding options     (4,744,574)   (8,205,077)   (4,412,089)   (5,311,641)   (2,015,095)   (2,346,643)  
                               ------------- ------------- ------------- ------------- ------------- -------------
Units end of year               7,489,620     9,055,515    24,503,478    24,861,457     8,483,306     9,510,756   
                               ============= ============= ============= ============= ============= =============

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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                                                                [Download Table]
                                                                                   
                                                                                   
               MSF ARTIO           MSF T. ROWE PRICE             MSF OPPENHEIMER   
     INTERNATIONAL STOCK            SMALL CAP GROWTH               GLOBAL EQUITY   
     INVESTMENT DIVISION         INVESTMENT DIVISION         INVESTMENT DIVISION   
--------------------------- --------------------------- ---------------------------
      2010          2009          2010          2009          2010          2009   
------------- ------------- ------------- ------------- ------------- -------------
15,981,027    17,118,077    12,978,831    13,211,532    11,212,707    11,151,246   
 2,116,365     2,448,777     3,955,490     2,370,603     2,303,857     2,158,903   
(3,015,881)   (3,585,827)   (2,933,692)   (2,603,304)   (2,045,415)   (2,097,442)  
------------- ------------- ------------- ------------- ------------- -------------
15,081,511    15,981,027    14,000,629    12,978,831    11,471,149    11,212,707   
============= ============= ============= ============= ============= =============

                                                        [Enlarge/Download Table]
                                                                                     
                                                                                     
      MSF BARCLAYS CAPITAL          MSF MORGAN STANLEY                 MSF RUSSELL   
      AGGREGATE BOND INDEX                  EAFE INDEX                  2000 INDEX   
       INVESTMENT DIVISION         INVESTMENT DIVISION         INVESTMENT DIVISION   
----------------------------- --------------------------- ---------------------------
       2010           2009          2010          2009          2010          2009   
-------------- -------------- ------------- ------------- ------------- -------------
 60,512,287     53,280,392    33,890,643    32,911,652    16,192,484    16,294,895   
 19,250,119     18,411,203     8,629,353     8,268,305     3,172,862     3,994,096   
(12,221,173)   (11,179,308)   (6,510,737)   (7,289,314)   (3,650,072)   (4,096,507)  
-------------- -------------- ------------- ------------- ------------- -------------
 67,541,233     60,512,287    36,009,259    33,890,643    15,715,274    16,192,484   
============== ============== ============= ============= ============= =============

                                                                [Download Table]
                                                                                  
                                                                                  
      MSF LOOMIS SAYLES               MSF BLACKROCK               MSF BLACKROCK   
       SMALL CAP GROWTH             LARGE CAP VALUE                 BOND INCOME   
    INVESTMENT DIVISION         INVESTMENT DIVISION         INVESTMENT DIVISION   
-------------------------- --------------------------- ---------------------------
      2010         2009          2010          2009          2010          2009   
------------- ------------ ------------- ------------- ------------- -------------
 4,562,561    4,490,130    16,843,730    15,206,819    15,377,793    16,836,670   
   773,789    1,048,259     4,039,447     5,298,039     2,575,622     2,008,887   
(1,080,166)    (975,828)   (3,034,842)   (3,661,128)   (2,976,333)   (3,467,764)  
------------- ------------ ------------- ------------- ------------- -------------
 4,256,184    4,562,561    17,848,335    16,843,730    14,977,082    15,377,793   
============= ============ ============= ============= ============= =============

                                                        [Enlarge/Download Table]
                                                                                         
                                                                                         
                                             MSF WESTERN                                 
         MSF MET/ARTISAN                ASSET MANAGEMENT             MSF WESTERN ASSET   
           MID CAP VALUE    STRATEGIC BOND OPPORTUNITIES    MANAGEMENT U.S. GOVERNMENT   
     INVESTMENT DIVISION             INVESTMENT DIVISION           INVESTMENT DIVISION   
--------------------------- ------------------------------- -----------------------------
      2010          2009          2010              2009          2010            2009   
------------- ------------- ------------- ----------------- ------------- ---------------
11,496,387    13,047,548    13,614,452        15,406,849    14,375,216      13,590,779   
 1,025,545     1,406,064     2,816,037         2,043,168     4,114,150       3,625,913   
(2,350,124)   (2,957,225)   (3,141,527)       (3,835,565)   (3,465,924)     (2,841,476)  
------------- ------------- ------------- ----------------- ------------- ---------------
10,171,808    11,496,387    13,288,962        13,614,452    15,023,442      14,375,216   
============= ============= ============= ================= ============= ===============

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

7. SCHEDULES OF UNITS -- (CONTINUED)                                            
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009:                                 

                                                        [Enlarge/Download Table]
                                                                                                                  
                                                                                                                  
                                                 MSF FI                     MSF MFS               MSF BLACKROCK   
                                          VALUE LEADERS                TOTAL RETURN     LEGACY LARGE CAP GROWTH   
                                    INVESTMENT DIVISION         INVESTMENT DIVISION         INVESTMENT DIVISION   
                               --------------------------- --------------------------- ---------------------------
                                     2010          2009          2010          2009          2010          2009   
                               ------------- ------------- ------------- ------------- ------------- -------------
Units beginning of year         6,197,829     7,122,172     8,470,625     9,513,697    11,310,287    12,006,106   
Units issued and transferred                                                                                      
  from other funding options      455,118       617,529       993,877       829,615     1,950,868     2,554,090   
Units redeemed and transferred                                                                                    
  to other funding options     (1,266,084)   (1,541,872)   (1,805,733)   (1,872,687)   (2,694,925)   (3,249,909)  
                               ------------- ------------- ------------- ------------- ------------- -------------
Units end of year               5,386,863     6,197,829     7,658,769     8,470,625    10,566,230    11,310,287   
                               ============= ============= ============= ============= ============= =============

                                                        [Enlarge/Download Table]
                                                                                                                       
                                                                                                                       
                                              MSF METLIFE                                                              
                                              MODERATE TO                 MSF METLIFE            MSF MET/DIMENSIONAL   
                                    AGGRESSIVE ALLOCATION       AGGRESSIVE ALLOCATION    INTERNATIONAL SMALL COMPANY   
                                      INVESTMENT DIVISION         INVESTMENT DIVISION            INVESTMENT DIVISION   
                               ----------------------------- --------------------------- ------------------------------
                                      2010           2009          2010          2009       2010             2009 (a)  
                               -------------- -------------- ------------- ------------- ---------- -------------------
Units beginning of year        140,559,044    120,035,284     8,324,237     7,121,224     76,087                  --   
Units issued and transferred                                                                                           
  from other funding options    15,464,031     33,908,031     2,760,449     3,041,332    140,907              89,027   
Units redeemed and transferred                                                                                         
  to other funding options     (17,255,419)   (13,384,271)   (1,910,753)   (1,838,319)   (22,560)            (12,940)  
                               -------------- -------------- ------------- ------------- ---------- -------------------
Units end of year              138,767,656    140,559,044     9,173,933     8,324,237    194,434              76,087   
                               ============== ============== ============= ============= ========== ===================

                                                        [Enlarge/Download Table]
                                                                                                             
                                                                                                             
                                           FIDELITY VIP              FIDELITY VIP             FIDELITY VIP   
                                          EQUITY-INCOME       GROWTH                 INVESTMENT GRADE BOND   
                                    INVESTMENT DIVISION       INVESTMENT DIVISION      INVESTMENT DIVISION   
                               --------------------------- ------------------------- ------------------------
                                     2010          2009         2010         2009        2010         2009   
                               ------------- ------------- ------------ ------------ ----------- ------------
Units beginning of year         6,023,263     7,160,081    2,292,307    2,438,573     794,594      730,222   
Units issued and transferred                                                                                 
  from other funding options      279,253       284,294      117,686      152,628     155,962      166,365   
Units redeemed and transferred                                                                               
  to other funding options     (1,113,254)   (1,421,112)    (298,264)    (298,894)   (189,475)    (101,993)  
                               ------------- ------------- ------------ ------------ ----------- ------------
Units end of year               5,189,262     6,023,263    2,111,729    2,292,307     761,081      794,594   
                               ============= ============= ============ ============ =========== ============

                                                        [Enlarge/Download Table]
                                                                                                                  
                                                                                                                  
                                       MIST LORD ABBETT           MIST MFS RESEARCH          MIST T. ROWE PRICE   
                                         BOND DEBENTURE               INTERNATIONAL              MID CAP GROWTH   
                                    INVESTMENT DIVISION         INVESTMENT DIVISION         INVESTMENT DIVISION   
                               --------------------------- --------------------------- ---------------------------
                                     2010          2009          2010          2009          2010          2009   
                               ------------- ------------- ------------- ------------- ------------- -------------
Units beginning of year        14,237,429    13,513,284    23,007,961    23,286,391    24,198,838    22,042,286   
Units issued and transferred                                                                                      
  from other funding options    3,519,086     3,952,325     4,106,577     5,480,932     8,134,828     8,373,897   
Units redeemed and transferred                                                                                    
  to other funding options     (3,190,828)   (3,228,180)   (6,240,213)   (5,759,362)   (5,909,086)   (6,217,345)  
                               ------------- ------------- ------------- ------------- ------------- -------------
Units end of year              14,565,687    14,237,429    20,874,325    23,007,961    26,424,580    24,198,838   
                               ============= ============= ============= ============= ============= =============

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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                                                        [Enlarge/Download Table]
                                                                                        
                                                                                        
             MSF METLIFE    MSF METLIFE CONSERVATIVE TO                   MSF METLIFE   
 CONSERVATIVE ALLOCATION            MODERATE ALLOCATION           MODERATE ALLOCATION   
     INVESTMENT DIVISION            INVESTMENT DIVISION           INVESTMENT DIVISION   
--------------------------- ------------------------------ -----------------------------
      2010          2009          2010             2009           2010           2009   
------------- ------------- ------------- ---------------- -------------- --------------
25,915,327    17,373,413    73,016,806       55,768,665    197,414,896    140,869,174   
15,748,970    12,997,931    29,623,110       26,307,884     93,755,029     71,776,122   
(6,732,912)   (4,456,017)   (9,745,947)      (9,059,743)   (20,833,201)   (15,230,400)  
------------- ------------- ------------- ---------------- -------------- --------------
34,931,385    25,915,327    92,893,969       73,016,806    270,336,724    197,414,896   
============= ============= ============= ================ ============== ==============

                                                                [Download Table]
                                                                               
                                                                               
             MSF VAN ECK                MSF ZENITH              FIDELITY VIP   
GLOBAL NATURAL RESOURCES                    EQUITY              MONEY MARKET   
     INVESTMENT DIVISION       INVESTMENT DIVISION       INVESTMENT DIVISION   
--------------------------- ------------------------- -------------------------
     2010        2009 (b)        2010         2009          2010        2009   
------------ -------------- ------------ ------------ ------------- -----------
  379,256             --    4,320,085    5,123,370       942,138     864,063   
1,164,782        392,691      162,748      147,858     8,789,421     523,879   
 (234,655)       (13,435)    (831,650)    (951,143)   (8,965,408)   (445,804)  
------------ -------------- ------------ ------------ ------------- -----------
1,309,383        379,256    3,651,183    4,320,085       766,151     942,138   
============ ============== ============ ============ ============= ===========

                                                                [Download Table]
                                                                         
                                                                         
         FIDELITY VIP            CALVERT VP SRI         CALVERT VP SRI   
     FUNDSMANAGER 60%                  BALANCED         MID CAP GROWTH   
  INVESTMENT DIVISION       INVESTMENT DIVISION    INVESTMENT DIVISION   
------------------------ ------------------------- ----------------------
      2010    2009 (c)        2010         2009       2010        2009   
------------- ---------- ------------ ------------ ---------- -----------
    28,017         --    1,901,894    1,958,099    370,911     377,930   
10,287,466     28,017      179,536      203,116     40,809      38,727   
  (259,507)        --     (230,682)    (259,321)   (40,599)    (45,746)  
------------- ---------- ------------ ------------ ---------- -----------
10,055,976     28,017    1,850,748    1,901,894    371,121     370,911   
============= ========== ============ ============ ========== ===========

                                                                [Download Table]
                                                                                  
                                                                                  
               MIST PIMCO                    MIST RCM               MIST LAZARD   
             TOTAL RETURN                  TECHNOLOGY                   MID CAP   
      INVESTMENT DIVISION         INVESTMENT DIVISION       INVESTMENT DIVISION   
---------------------------- --------------------------- -------------------------
       2010          2009          2010          2009         2010         2009   
-------------- ------------- ------------- ------------- ------------ ------------
 53,386,890    41,057,029    20,279,891    14,885,344    4,007,439    4,047,289   
 25,560,090    20,274,114     9,231,317    10,344,177    1,020,944      875,568   
(11,433,256)   (7,944,253)   (7,713,162)   (4,949,630)    (947,078)    (915,418)  
-------------- ------------- ------------- ------------- ------------ ------------
 67,513,724    53,386,890    21,798,046    20,279,891    4,081,305    4,007,439   
============== ============= ============= ============= ============ ============

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

7. SCHEDULES OF UNITS -- (CONTINUED)                                            
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009:                                 

                                                        [Enlarge/Download Table]
                                                                                                                 
                                                                                                                 
                                          MIST INVESCO         MIST HARRIS OAKMARK            MIST OPPENHEIMER   
                                      SMALL CAP GROWTH               INTERNATIONAL        CAPITAL APPRECIATION   
                                   INVESTMENT DIVISION         INVESTMENT DIVISION         INVESTMENT DIVISION   
                               -------------------------- --------------------------- ---------------------------
                                     2010         2009          2010          2009          2010          2009   
                               ------------- ------------ ------------- ------------- ------------- -------------
Units beginning of year         2,575,281    2,229,587    18,765,510    16,641,709     4,735,360     3,465,804   
Units issued and transferred                                                                                     
  from other funding options      771,970      886,307     7,975,938     6,142,709     2,193,952     2,313,709   
Units redeemed and transferred                                                                                   
  to other funding options     (1,035,692)    (540,613)   (4,423,359)   (4,018,908)   (1,253,199)   (1,044,153)  
                               ------------- ------------ ------------- ------------- ------------- -------------
Units end of year               2,311,559    2,575,281    22,318,089    18,765,510     5,676,113     4,735,360   
                               ============= ============ ============= ============= ============= =============

                                                        [Enlarge/Download Table]
                                                                                                                 
                                                                                                                 
                                        MIST LEGG MASON                  MIST SSGA                   MIST SSGA   
                                           VALUE EQUITY                 GROWTH ETF       GROWTH AND INCOME ETF   
                                    INVESTMENT DIVISION        INVESTMENT DIVISION         INVESTMENT DIVISION   
                               --------------------------- -------------------------- ---------------------------
                                     2010          2009          2010         2009          2010          2009   
                               ------------- ------------- ------------- ------------ ------------- -------------
Units beginning of year         4,269,554     3,725,248     5,430,802      867,152    17,209,210     1,018,446   
Units issued and transferred                                                                                     
  from other funding options    1,925,311     1,957,012     3,978,089    5,269,636    34,855,258    17,156,013   
Units redeemed and transferred                                                                                   
  to other funding options     (1,100,951)   (1,412,706)   (1,985,770)    (705,986)   (2,821,267)     (965,249)  
                               ------------- ------------- ------------- ------------ ------------- -------------
Units end of year               5,093,914     4,269,554     7,423,121    5,430,802    49,243,201    17,209,210   
                               ============= ============= ============= ============ ============= =============

                                                        [Enlarge/Download Table]
                                                                                                           
                                                                                                           
                                                                                     MIST AMERICAN FUNDS   
                                          VARIABLE B              VARIABLE C         BALANCED ALLOCATION   
                                 INVESTMENT DIVISION     INVESTMENT DIVISION         INVESTMENT DIVISION   
                               ------------------------ ----------------------- ---------------------------
                                     2010       2009          2010      2009          2010          2009   
                               ------------- ---------- ------------- --------- ------------- -------------
Units beginning of year           122,189    142,021         6,758     9,309    30,034,186     9,087,721   
Units issued and transferred                                                                               
  from other funding options        1,656      1,126            27        --    28,437,604    23,830,149   
Units redeemed and transferred                                                                             
  to other funding options        (20,017)   (20,958)         (541)   (2,551)   (4,073,825)   (2,883,684)  
                               ------------- ---------- ------------- --------- ------------- -------------
Units end of year                 103,828    122,189         6,244     6,758    54,397,965    30,034,186   
                               ============= ========== ============= ========= ============= =============

                                                        [Enlarge/Download Table]
                                                                                                            
                                                                                                            
                                  MIST AMERICAN FUNDS        MIST MET/TEMPLETON         MIST MET/FRANKLIN   
                                                 BOND                    GROWTH                    INCOME   
                                  INVESTMENT DIVISION       INVESTMENT DIVISION       INVESTMENT DIVISION   
                               ------------------------- ------------------------- -------------------------
                                    2010      2009 (a)        2010         2009         2010         2009   
                               ------------ ------------ ------------ ------------ ------------ ------------
Units beginning of year        1,987,475           --    1,114,271      329,768    2,693,910    1,062,043   
Units issued and transferred                                                                                
  from other funding options   4,794,290    2,060,899    1,333,450      972,605    3,044,576    1,988,398   
Units redeemed and transferred                                                                              
  to other funding options      (820,451)     (73,424)    (520,384)    (188,102)    (705,167)    (356,531)  
                               ------------ ------------ ------------ ------------ ------------ ------------
Units end of year              5,961,314    1,987,475    1,927,337    1,114,271    5,033,319    2,693,910   
                               ============ ============ ============ ============ ============ ============

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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                                                                [Download Table]
                                                                                 
                                                                                 
MIST LEGG MASON CLEARBRIDGE      MIST THIRD AVENUE         MIST CLARION GLOBAL   
          AGGRESSIVE GROWTH        SMALL CAP VALUE                 REAL ESTATE   
        INVESTMENT DIVISION    INVESTMENT DIVISION         INVESTMENT DIVISION   
------------------------------ ---------------------- ---------------------------
      2010             2009       2010        2009          2010          2009   
------------- ---------------- ---------- ----------- ------------- -------------
 3,431,934        3,430,823    506,685     420,511    16,166,181    16,424,718   
 1,763,048          994,770    134,296     154,032     2,583,837     3,486,051   
(1,259,336)        (993,659)   (87,739)    (67,858)   (2,768,504)   (3,744,588)  
------------- ---------------- ---------- ----------- ------------- -------------
 3,935,646        3,431,934    553,242     506,685    15,981,514    16,166,181   
============= ================ ========== =========== ============= =============

                                                                [Download Table]
                                                                                 
                                                                                 
    MIST PIMCO INFLATION                MIST JANUS              MIST BLACKROCK   
          PROTECTED BOND                     FORTY              LARGE CAP CORE   
     INVESTMENT DIVISION       INVESTMENT DIVISION         INVESTMENT DIVISION   
--------------------------- ------------------------- ---------------------------
      2010          2009         2010         2009          2010          2009   
------------- ------------- ------------ ------------ ------------- -------------
24,705,878    16,609,891    2,084,776    1,337,831    21,088,063    22,354,205   
13,780,063    12,106,626      880,341    1,093,369     2,874,595     2,250,244   
(4,837,227)   (4,010,639)    (597,781)    (346,424)   (3,297,594)   (3,516,386)  
------------- ------------- ------------ ------------ ------------- -------------
33,648,714    24,705,878    2,367,336    2,084,776    20,665,064    21,088,063   
============= ============= ============ ============ ============= =============

                                                                [Download Table]
                                                                                  
                                                                                  
     MIST AMERICAN FUNDS        MIST AMERICAN FUNDS         MIST AMERICAN FUNDS   
       GROWTH ALLOCATION                     GROWTH         MODERATE ALLOCATION   
     INVESTMENT DIVISION        INVESTMENT DIVISION         INVESTMENT DIVISION   
--------------------------- -------------------------- ---------------------------
      2010          2009          2010      2009 (a)         2010          2009   
------------- ------------- ------------- ------------ ------------- -------------
32,850,723    15,561,108     8,205,983           --    46,032,309    15,201,857   
 8,273,527    20,818,089    14,813,655    8,454,214    34,956,719    33,794,035   
(5,884,563)   (3,528,474)   (1,240,254)    (248,231)   (5,978,636)   (2,963,583)  
------------- ------------- ------------- ------------ ------------- -------------
35,239,687    32,850,723    21,779,384    8,205,983    75,010,392    46,032,309   
============= ============= ============= ============ ============= =============

                                                                [Download Table]
                                                                               
                                                                               
     MIST MET/FRANKLIN    MIST MET/FRANKLIN TEMPLETON            MIST DREMAN   
         MUTUAL SHARES              FOUNDING STRATEGY        SMALL CAP VALUE   
   INVESTMENT DIVISION            INVESTMENT DIVISION    INVESTMENT DIVISION   
------------------------- ------------------------------ ----------------------
     2010         2009          2010             2009       2010     2009 (a)  
------------ ------------ ------------- ---------------- ---------- -----------
2,188,969      696,867     5,631,074        2,808,700    238,413          --   
2,554,173    1,783,789     1,738,280        3,730,680    480,691     249,367   
 (409,502)    (291,687)   (1,165,735)        (908,306)   (61,483)    (10,954)  
------------ ------------ ------------- ---------------- ---------- -----------
4,333,640    2,188,969     6,203,619        5,631,074    657,621     238,413   
============ ============ ============= ================ ========== ===========

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

7. SCHEDULES OF UNITS -- (CONCLUDED)                                            
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009:                                 

                                                        [Enlarge/Download Table]
                                                                                                        
                                                                                                        
                                MIST MET/TEMPLETON      MIST LOOMIS SAYLES                   MIST MFS   
                                INTERNATIONAL BOND          GLOBAL MARKETS    EMERGING MARKETS EQUITY   
                               INVESTMENT DIVISION     INVESTMENT DIVISION        INVESTMENT DIVISION   
                               ---------------------- ----------------------- --------------------------
                                  2010     2009 (b)        2010    2009 (a)        2010       2009 (a)  
                               ---------- ----------- ------------ ---------- ------------ -------------
Units beginning of year         64,135          --      277,759         --      922,163            --   
Units issued and transferred                                                                            
  from other funding options   341,593      67,042    1,009,229    300,088    1,969,373     1,016,520   
Units redeemed and transferred                                                                          
  to other funding options     (42,378)     (2,907)    (265,169)   (22,329)    (283,031)      (94,357)  
                               ---------- ----------- ------------ ---------- ------------ -------------
Units end of year              363,350      64,135    1,021,819    277,759    2,608,505       922,163   
                               ========== =========== ============ ========== ============ =============

                                                        [Enlarge/Download Table]
                                                                                                                     
                                                                                                                     
                                         AMERICAN FUNDS                 AMERICAN FUNDS              AMERICAN FUNDS   
                                          GROWTH-INCOME    GLOBAL SMALL CAPITALIZATION                        BOND   
                                    INVESTMENT DIVISION            INVESTMENT DIVISION         INVESTMENT DIVISION   
                               --------------------------- ------------------------------ ---------------------------
                                     2010          2009          2010             2009          2010          2009   
                               ------------- ------------- ------------- ---------------- ------------- -------------
Units beginning of year         7,531,106     7,608,552    22,146,914       21,297,918     9,420,222     9,086,361   
Units issued and transferred                                                                                         
  from other funding options    1,512,821     1,308,181     4,426,671        5,811,700     1,524,740     2,293,539   
Units redeemed and transferred                                                                                       
  to other funding options     (1,444,308)   (1,385,627)   (4,703,154)      (4,962,704)   (2,048,631)   (1,959,678)  
                               ------------- ------------- ------------- ---------------- ------------- -------------
Units end of year               7,599,619     7,531,106    21,870,431       22,146,914     8,896,331     9,420,222   
                               ============= ============= ============= ================ ============= =============

(a) Commenced on November 7, 2008 and began transactions in 2009.               

(b) For the period May 4, 2009 to December 31, 2009.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period May 3, 2010 to December 31, 2010.                            

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                                                                [Download Table]
                                                                                    
                                                                                    
                        MIST MORGAN              MIST                               
                            STANLEY         MET/EATON                               
                            MID CAP    VANCE FLOATING                               
        MIST PIONEER         GROWTH              RATE              AMERICAN FUNDS   
    STRATEGIC INCOME     INVESTMENT        INVESTMENT                      GROWTH   
 INVESTMENT DIVISION       DIVISION          DIVISION         INVESTMENT DIVISION   
----------------------- -------------- ----------------- ---------------------------
     2010    2009 (a)       2010 (d)          2010 (d)         2010          2009   
------------ ---------- -------------- ----------------- ------------- -------------
  323,516         --             --                --     8,261,553     8,477,946   
1,195,142    334,243     28,145,306           134,290       731,438     1,316,160   
 (173,508)   (10,727)    (3,272,082)           (6,638)   (1,421,137)   (1,532,553)  
------------ ---------- -------------- ----------------- ------------- -------------
1,345,150    323,516     24,873,224           127,652     7,571,854     8,261,553   
============ ========== ============== ================= ============= =============

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE 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 that are charged against the contract owner's 
account balance. 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, 2010:                                      

                                                        [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 BlackRock Diversified       2010 20,865,957 13.00 - 48.05   703,823,057          1.90      0.95 - 2.30      6.83 - 8.62   
  Investment Division           2009 23,518,536 11.97 - 44.24   732,160,930          5.14      0.95 - 2.30    14.34 - 16.20   
                                2008 26,879,083 10.30 - 38.07   719,674,176          2.84      0.95 - 2.30 (25.52) - (25.50)  
                                2007 32,595,866 13.83 - 51.10 1,170,554,586          2.58      0.95 - 2.30      4.85 - 4.89   
                                2006 37,526,410 13.19 - 48.72 1,283,770,959          2.46      0.95 - 2.30      9.51 - 9.55   
MSF BlackRock Aggressive        2010 13,591,177 13.70 - 54.17   506,917,230          0.06      0.95 - 2.30    12.38 - 14.22   
  Growth Investment Division    2009 14,747,259 12.07 - 47.42   479,958,097          0.18      0.95 - 2.30    45.67 - 48.03   
                                2008 15,776,330  8.20 - 32.04   344,820,349            --      0.95 - 2.30 (53.22) - (46.23)  
                                2007 17,338,887 17.53 - 59.59   701,871,205            --      0.95 - 2.30    19.41 - 19.44   
                                2006 19,464,489 14.68 - 49.89   657,568,742            --      0.95 - 2.30      5.72 - 5.76   
MSF MetLife Stock Index         2010 69,017,391  3.90 - 46.46 2,646,303,266          1.69      0.50 - 2.30    11.89 - 14.08   
  Investment Division           2009 71,097,931  3.45 - 40.78 2,393,363,534          2.63      0.50 - 2.30    23.06 - 25.42   
                                2008 73,669,152  2.78 - 32.55 1,978,067,366          1.90      0.50 - 2.30 (38.08) - (37.57)  
                                2007 78,221,903  4.49 - 52.14 3,349,337,677          1.00      0.50 - 2.30      3.70 - 4.45   
                                2006 84,233,926  4.33 - 49.92 3,437,306,152          1.96      0.50 - 2.30    13.65 - 14.63   
MSF Artio International Stock   2010 15,081,511  1.44 - 16.90   196,319,126          1.50      0.65 - 2.30      4.43 - 6.52   
  Investment Division           2009 15,981,027  1.36 - 15.91   197,024,423          0.60      0.95 - 2.30    19.12 - 21.03   
                                2008 17,118,077  1.13 - 13.15   171,501,812          3.04      0.95 - 2.30 (44.65) - (44.61)  
                                2007 17,936,510  2.04 - 23.76   317,896,584          1.01      0.95 - 2.30      8.51 - 9.29   
                                2006 19,598,686  1.88 - 21.74   303,786,074          1.40      0.95 - 2.30    15.34 - 15.39   
MSF T. Rowe Price Small Cap     2010 14,000,629 15.22 - 20.54   264,120,256            --      0.50 - 2.30    31.60 - 34.02   
  Growth Investment Division    2009 12,978,831 11.44 - 15.33   184,207,700          0.27      0.50 - 2.30    35.49 - 38.07   
                                2008 13,211,532  8.98 - 11.11   136,853,170            --      0.50 - 2.30 (37.77) - (36.66)  
                                2007 14,116,618 14.43 - 17.54   232,434,680            --      0.50 - 2.30      7.05 - 9.01   
                                2006 15,941,305 13.48 - 16.09   242,247,448            --      0.50 - 2.30      1.28 - 5.58   
MSF Oppenheimer Global Equity   2010 11,471,149 15.07 - 20.63   223,279,060          1.45      0.65 - 2.30    13.29 - 15.48   
  Investment Division           2009 11,212,707 13.16 - 17.92   190,851,984          2.42      0.65 - 2.30    36.62 - 39.41   
                                2008 11,151,246  9.53 - 12.89   137,369,852          2.09      0.65 - 2.30 (41.32) - (40.93)  
                                2007 12,354,209 16.24 - 21.82   258,911,083          1.06      0.95 - 2.30      4.98 - 5.46   
                                2006 12,611,019 15.47 - 20.69   252,144,743          2.50      0.95 - 2.30     3.97 - 15.52   
MSF MFS Value Investment        2010 23,312,590  1.21 - 14.99   280,199,767          1.31      0.50 - 2.30     8.66 - 10.63   
  Division                      2009 22,877,144  1.10 - 13.64   249,421,604            --      0.50 - 2.30    17.83 - 19.98   
                                2008 23,729,130  0.93 - 10.00   216,469,833          1.94      0.50 - 2.30 (34.51) - (34.04)  
                                2007 27,806,454  1.42 - 15.16   384,902,007          0.70      0.50 - 2.30   (4.70) - (4.53)  
                                2006 29,942,093  1.49 - 15.88   434,098,969          0.69      0.50 - 2.30    16.41 - 18.07   
MSF Neuberger Berman Mid        2010 20,637,451  2.52 - 27.90   505,689,035          0.73      0.50 - 2.30    23.19 - 25.42   
  Cap Value Investment Division 2009 20,178,988  2.02 - 22.24   394,081,513          1.41      0.50 - 2.30    44.39 - 47.01   
                                2008 21,460,291  1.39 - 15.13   282,701,972          0.70      0.50 - 2.30 (48.13) - (47.74)  
                                2007 23,818,947  2.68 - 28.95   598,065,308          0.44      0.50 - 2.30      1.90 - 2.66   
                                2006 24,671,441  2.63 - 28.20   591,103,464          0.41      0.50 - 2.30     9.58 - 10.68   

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE 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 T. Rowe Price Large Cap    2010 13,494,657 12.65 - 15.75   195,957,544          0.17      0.50 - 2.30    14.08 - 16.30   
  Growth Investment Division   2009 14,615,966 11.09 - 13.56   183,761,502          0.48      0.50 - 2.30    39.79 - 42.51   
                               2008 14,856,276   7.93 - 9.53   132,037,051          0.47      0.50 - 2.30 (43.19) - (42.28)  
                               2007 16,203,949 13.96 - 16.51   251,351,437          0.35      0.50 - 2.30     7.80 - 10.81   
                               2006 15,405,207 12.95 - 14.90   222,083,603          0.27      0.95 - 2.30     8.82 - 12.11   
MSF Barclays Capital Aggregate 2010 67,541,233  1.56 - 17.32 1,054,370,494          3.52      0.50 - 2.30      3.30 - 5.37   
  Bond Index Investment        2009 60,512,287  1.50 - 16.47   901,723,219          5.60      0.50 - 2.30      2.59 - 4.49   
  Division                     2008 53,280,392  1.45 - 15.77   761,920,074          4.54      0.50 - 2.30      4.32 - 5.13   
                               2007 68,215,103  1.39 - 15.00   938,751,647          4.39      0.50 - 2.30      5.30 - 6.16   
                               2006 65,531,063  1.32 - 14.13   852,204,327          4.21      0.50 - 2.30      2.33 - 3.29   
MSF Morgan Stanley EAFE        2010 36,009,259  1.29 - 16.76   462,135,393          2.56      0.50 - 2.30      5.46 - 7.50   
  Index Investment Division    2009 33,890,643  1.21 - 15.64   407,182,564          4.12      0.50 - 2.30    25.36 - 27.84   
                               2008 32,911,652  0.96 - 12.27   309,589,902          2.79      0.50 - 2.30 (42.86) - (42.61)  
                               2007 30,988,278  1.68 - 21.38   501,966,471          1.87      0.50 - 2.30      9.09 - 9.75   
                               2006 29,342,449  1.54 - 19.48   427,803,567          1.62      0.50 - 2.30    24.19 - 24.55   
MSF Russell 2000 Index         2010 15,715,274  1.81 - 20.12   280,017,667          1.00      0.50 - 2.30    23.70 - 26.10   
  Investment Division          2009 16,192,484  1.45 - 15.97   230,205,898          1.91      0.50 - 2.30    22.81 - 25.20   
                               2008 16,294,895  1.17 - 12.78   184,129,597          1.15      0.50 - 2.30 (34.64) - (33.99)  
                               2007 17,619,764  1.79 - 19.36   299,893,291          0.85      0.50 - 2.30   (3.24) - (2.17)  
                               2006 19,408,845  1.85 - 19.79   324,068,097          0.75      0.50 - 2.30    16.35 - 16.96   
MSF Jennison Growth            2010 12,651,183  0.53 - 13.32    67,839,064          0.45      0.95 - 2.30     8.78 - 10.58   
  Investment Division          2009 10,221,743  0.48 - 12.05    48,019,094          0.08      0.95 - 2.30    36.39 - 38.70   
                               2008  7,367,023   0.35 - 8.69    23,825,643          2.33      0.95 - 2.30 (36.98) - (36.36)  
                               2007  7,890,530  0.55 - 13.79    40,225,235          0.35      0.95 - 2.30    10.00 - 10.59   
                               2006  8,576,214  0.50 - 12.47    39,590,079            --      0.65 - 2.30      0.00 - 1.80   
MSF Neuberger Berman Genesis   2010 18,897,311  1.68 - 17.96   284,284,918          0.43      0.50 - 2.30    10.18 - 20.74   
Investment Division            2009 21,389,031  1.40 - 14.87   265,456,589          1.00      0.50 - 2.30    10.27 - 12.28   
                               2008 23,715,736  1.26 - 13.25   259,092,609          0.42      0.50 - 2.30 (39.13) - (38.86)  
                               2007 29,000,340  2.07 - 21.67   511,252,758          0.22      0.50 - 2.30   (4.61) - (4.16)  
                               2006 33,456,361  2.17 - 22.61   595,148,462          0.24      0.50 - 2.30    15.43 - 17.39   
MSF MetLife Mid Cap Stock      2010 23,301,277  1.75 - 19.13   396,881,128          0.88      0.50 - 2.30    23.14 - 25.37   
  Index Investment Division    2009 23,602,002  1.41 - 15.26   319,741,957          1.65      0.50 - 2.30    33.67 - 36.09   
                               2008 22,949,647  1.04 - 11.21   232,486,143          1.30      0.50 - 2.30 (39.01) - (37.35)  
                               2007 23,583,090  1.66 - 18.38   372,939,266          0.66      0.50 - 2.30     5.73 - 11.06   
                               2006 23,088,638  1.57 - 16.55   338,969,155          1.09      0.50 - 2.30      8.28 - 9.82   
MSF Loomis Sayles Small Cap    2010  4,256,184  1.08 - 12.81    43,602,855            --      0.50 - 2.30    28.37 - 30.68   
  Growth Investment Division   2009  4,562,561   0.83 - 9.82    36,176,490            --      0.50 - 2.30    26.72 - 29.03   
                               2008  4,490,130   0.65 - 7.63    27,534,390            --      0.50 - 2.30 (41.96) - (41.71)  
                               2007  5,050,433  1.12 - 13.09    50,686,417            --      0.50 - 2.30      2.75 - 3.56   
                               2006  5,444,279  1.09 - 12.64    50,649,297            --      0.60 - 2.30      7.92 - 8.97   
MSF BlackRock Large Cap        2010 17,848,335  1.12 - 11.94   195,798,773          0.86      0.50 - 2.30      6.45 - 8.38   
  Value Investment Division    2009 16,843,730  1.04 - 11.01   171,711,377          1.35      0.50 - 2.30     8.53 - 10.51   
                               2008 15,206,819   0.95 - 9.97   139,910,970          0.61      0.50 - 2.30 (35.81) - (35.39)  
                               2007 16,168,974  1.48 - 15.43   227,378,885          0.83      0.50 - 2.30      2.07 - 2.59   
                               2006 13,310,230  1.45 - 15.04   180,791,724          0.86      0.50 - 2.30    17.89 - 20.03   

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE 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 BlackRock Bond Income      2010 14,977,082      5.73 - 67.64 500,008,866          3.80      0.50 - 2.30      5.61 - 7.64   
  Investment Division          2009 15,377,793      5.36 - 62.90 442,133,515          6.79      0.50 - 2.30      6.70 - 8.76   
                               2008 16,836,670      4.97 - 57.90 424,475,862          5.20      0.50 - 2.30   (4.61) - (4.14)  
                               2007 20,972,729      5.21 - 60.40 535,835,264          3.19      0.50 - 2.30      4.83 - 5.48   
                               2006 23,926,765      4.97 - 57.26 540,560,849          5.70      0.50 - 2.30      2.90 - 5.96   
MSF BlackRock Money Market     2010  7,489,620      2.52 - 24.90  76,398,280            --      0.95 - 2.30   (2.28) - (0.93)  
  Investment Division          2009  9,055,515      2.55 - 25.21  78,480,535          0.33      0.95 - 2.30   (2.03) - (0.52)  
                               2008 13,377,855      2.58 - 25.45  93,712,881          2.62      0.95 - 2.30      1.48 - 1.57   
                               2007 10,358,956      2.54 - 25.08  62,077,315          4.87      0.95 - 2.30      3.55 - 3.67   
                               2006 11,516,700      2.45 - 24.22  54,758,769          4.64      0.95 - 2.30      3.37 - 3.38   
MSF Davis Venture Value        2010 24,503,478      3.46 - 38.17 590,814,367          0.86      0.50 - 2.30     9.17 - 11.27   
  Investment Division          2009 24,861,457      3.13 - 34.34 500,253,145          1.35      0.50 - 2.30    28.66 - 31.14   
                               2008 26,126,308      2.40 - 26.21 366,248,175          1.19      0.50 - 2.30 (40.30) - (39.83)  
                               2007 30,239,376      4.02 - 43.56 632,228,776          0.67      0.50 - 2.30      3.08 - 3.84   
                               2006 34,197,673      3.90 - 41.95 581,653,020          0.72      0.50 - 2.30    13.04 - 16.37   
MSF Loomis Sayles Small Cap    2010  8,483,306      3.74 - 41.52 158,697,696          0.03      0.50 - 2.30    24.32 - 26.57   
  Core Investment Division     2009  9,510,756      2.97 - 32.81 134,569,722          0.12      0.50 - 2.30    26.97 - 29.28   
                               2008 10,338,609      2.31 - 25.38 102,115,332            --      0.50 - 2.30 (36.89) - (36.36)  
                               2007 12,589,778      3.66 - 39.88 172,074,578          0.04      0.50 - 2.30    10.57 - 11.06   
                               2006 14,311,549      3.31 - 35.91 138,255,142            --      0.50 - 2.30    14.93 - 19.03   
MSF Met/Artisan Mid Cap Value  2010 10,171,808      3.19 - 35.17 217,605,252          0.68      0.50 - 2.30    12.15 - 14.19   
  Investment Division          2009 11,496,387      2.81 - 30.80 210,520,522          0.99      0.50 - 2.30    37.98 - 40.49   
                               2008 13,047,548      2.01 - 21.92 163,902,675          0.24      0.50 - 2.30 (46.83) - (46.41)  
                               2007 16,773,744      3.78 - 40.90 371,717,132          0.48      0.50 - 2.30   (8.03) - (7.55)  
                               2006 21,393,050      4.11 - 44.24 464,116,976          0.24      0.50 - 2.30    11.08 - 13.03   
MSF Western Asset Management   2010 13,288,962      2.67 - 29.49 275,410,258          5.95      0.50 - 2.30     9.90 - 12.00   
  Strategic Bond Opportunities 2009 13,614,452      2.40 - 26.35 251,254,370          6.51      0.50 - 2.30    28.90 - 31.36   
  Investment Division          2008 15,406,849      1.84 - 20.08 206,957,543          4.04      0.50 - 2.30 (15.98) - (15.67)  
                               2007 19,927,428      2.19 - 23.81 311,823,601          2.60      0.50 - 2.30      2.34 - 3.21   
                               2006 20,959,143      2.14 - 23.07 297,952,830          4.86      0.50 - 2.30      3.88 - 6.86   
MSF Western Asset Management   2010 15,023,442      1.82 - 20.10 239,870,128          2.49      0.50 - 2.30      3.09 - 5.12   
  U.S. Government Investment   2009 14,375,216      1.75 - 19.15 216,669,959          4.26      0.50 - 2.30      1.71 - 3.56   
  Division                     2008 13,590,779      1.69 - 18.49 192,871,484          4.26      0.50 - 2.30   (1.74) - (1.02)  
                               2007 15,975,615      1.72 - 18.68 223,878,416          2.78      0.50 - 2.30      2.99 - 3.55   
                               2006 16,648,243      1.67 - 18.04 209,598,108          3.37      0.50 - 2.30      2.45 - 3.32   
MSF FI Value Leaders           2010  5,386,863      2.72 - 30.32  71,561,113          1.45      0.50 - 2.30    11.68 - 13.71   
  Investment Division          2009  6,197,829      2.40 - 26.67  69,067,926          2.64      0.50 - 2.30    18.72 - 20.88   
                               2008  7,122,172      2.00 - 22.06  61,290,542          1.74      0.50 - 2.30 (39.76) - (39.41)  
                               2007  9,038,999      3.32 - 36.41 119,087,321          0.78      0.50 - 2.30      2.79 - 3.44   
                               2006 10,998,926      3.23 - 35.20 125,283,837          0.89      0.50 - 2.30    10.24 - 16.17   
MSF MFS Total Return           2010  7,658,769      4.81 - 54.99 142,302,103          2.91      0.50 - 2.30      7.30 - 9.25   
  Investment Division          2009  8,470,625      4.43 - 50.34 133,692,456          4.16      0.50 - 2.30    15.61 - 17.71   
                               2008  9,513,697      3.79 - 42.76 117,792,924          3.58      0.50 - 2.30 (23.12) - (22.75)  
                               2007 11,900,145      4.93 - 55.35 181,671,595          2.03      0.50 - 2.30      2.92 - 3.61   
                               2006 13,481,106      4.79 - 53.42 172,701,991          3.45      0.50 - 2.30    10.62 - 13.47   

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE 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 BlackRock Legacy Large       2010  10,566,230  3.32 - 36.65   147,006,605          0.07      0.50 - 2.30    16.75 - 19.05   
  Cap Growth Investment          2009  11,310,287  2.81 - 30.83   114,584,021          0.39      0.50 - 2.30    33.41 - 35.90   
  Division                       2008  12,006,106  2.08 - 22.70    70,886,323          0.29      0.50 - 2.30 (37.35) - (31.38)  
                                 2007  13,541,313  3.32 - 33.08    90,127,752          0.12      0.95 - 2.30    17.06 - 17.31   
                                 2006  16,835,554  2.83 - 28.26    66,806,487          0.09      0.95 - 2.30      2.54 - 2.73   
MSF MetLife Conservative         2010  34,931,385 11.69 - 12.95   432,541,976          3.47      0.50 - 2.30      7.55 - 9.50   
  Allocation Investment Division 2009  25,915,327 10.87 - 11.83   295,306,945          2.96      0.50 - 2.30    17.79 - 19.91   
                                 2008  17,373,413   9.23 - 9.86   166,398,948          0.94      0.50 - 2.30 (16.32) - (14.85)  
                                 2007  10,388,575 11.03 - 11.58   117,743,317            --      0.50 - 2.30      3.08 - 5.08   
                                 2006   3,846,366 10.70 - 11.02    41,847,468          2.77      0.50 - 2.30      4.49 - 6.47   
MSF MetLife Conservative to      2010  92,893,969 11.56 - 12.80 1,137,111,581          3.28      0.50 - 2.30     8.99 - 10.97   
  Moderate Allocation            2009  73,016,806 10.60 - 11.53   811,434,046          3.04      0.50 - 2.30    20.87 - 23.06   
  Investment Division            2008  55,768,665   8.77 - 9.37   507,403,971          1.08      0.50 - 2.30 (23.41) - (21.98)  
                                 2007  40,982,217 11.45 - 12.01   481,838,013            --      0.50 - 2.30      2.42 - 4.25   
                                 2006  18,775,808 11.18 - 11.52   213,424,553          2.17      0.50 - 2.30      6.99 - 8.88   
MSF MetLife Moderate             2010 270,336,724 11.36 - 12.58 3,253,209,310          2.43      0.50 - 2.30    10.60 - 12.61   
  Allocation Investment Division 2009 197,414,896 10.27 - 11.17 2,125,104,855          2.71      0.50 - 2.30    23.65 - 25.90   
                                 2008 140,869,174   8.30 - 8.87 1,213,561,775          0.80      0.50 - 2.30 (30.31) - (28.98)  
                                 2007 102,023,736 11.91 - 12.49 1,247,257,412          0.03      0.50 - 2.30      1.97 - 3.82   
                                 2006  40,986,807 11.68 - 12.03   486,543,592          1.42      0.50 - 2.30     9.36 - 11.39   
MSF MetLife Moderate to          2010 138,767,656 11.08 - 12.27 1,628,677,260          2.14      0.50 - 2.30    12.10 - 14.13   
  Aggressive Allocation          2009 140,559,044  9.88 - 10.75 1,456,360,305          2.49      0.50 - 2.30    26.16 - 28.46   
  Investment Division            2008 120,035,284   7.83 - 8.37   975,444,229          0.60      0.50 - 2.30 (36.65) - (35.47)  
                                 2007  87,404,290 12.36 - 12.97 1,108,485,404          0.04      0.50 - 2.30      1.48 - 3.35   
                                 2006  32,625,979 12.18 - 12.55   403,711,600          0.97      0.50 - 2.30    11.64 - 13.88   
MSF MetLife Aggressive           2010   9,173,933 10.69 - 11.84   104,502,479          1.03      0.50 - 2.30    13.06 - 15.11   
  Allocation Investment Division 2009   8,324,237  9.45 - 10.28    82,882,515          2.13      0.50 - 2.30    28.49 - 30.84   
                                 2008   7,121,224   7.36 - 7.86    54,531,083          0.57      0.50 - 2.30 (41.77) - (40.77)  
                                 2007   6,432,595 12.64 - 13.27    83,662,336          0.11      0.50 - 2.30      0.88 - 2.79   
                                 2006   3,456,574 12.53 - 12.91    44,087,129          0.83      0.50 - 2.30    13.09 - 15.27   
MSF Met/Dimensional              2010     194,434 17.02 - 17.34     3,362,782          1.16      1.15 - 2.00    20.16 - 21.19   
  International Small Company    2009      76,087 14.17 - 14.31     1,087,279            --      1.15 - 2.00    39.89 - 41.08   
  Investment Division                                                                                                           
  (Commenced 11/7/2008 and                                                                                                      
  began transactions in 2009)                                                                                                   
MSF Van Eck Global Natural       2010   1,309,383 18.55 - 18.92    24,700,698          0.23      1.15 - 2.05    26.41 - 27.55   
  Resources Investment Division  2009     379,256 14.68 - 14.83     5,613,926            --      1.15 - 2.05    35.13 - 35.96   
  (Commenced 5/4/2009)                                                                                                          
MSF Zenith Equity Investment     2010   3,651,183         22.31    81,465,443          1.61             1.35            12.61   
  Division                       2009   4,320,085         19.81    85,598,366          5.89             1.35            28.65   
                                 2008   5,123,370         15.40    78,903,521          2.74             1.35           (39.35)  
                                 2007   6,395,674         25.39   162,411,701          0.78             1.35             3.80   
                                 2006   8,240,794         24.46   201,535,593          0.54             1.35             6.86   

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE 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 (%)   
                                     ---------- ----------------- ----------- ------------- ---------------- -------------------
Fidelity VIP Money Market       2010    766,151     11.14 - 17.00  12,251,820          0.17      0.95 - 2.05   (1.82) - (0.70)  
  Investment Division           2009    942,138     11.34 - 17.12  15,639,330          0.72      0.95 - 2.05   (0.39) - (0.22)  
                                2008    864,063             17.15  14,823,280          3.01      0.95 - 1.35             2.08   
                                2007    933,116             16.80  15,686,013          5.07      0.95 - 1.35             4.09   
                                2006    692,783             16.14  11,180,161          4.94      0.95 - 1.35             3.93   
Fidelity VIP Equity-Income      2010  5,189,262      5.50 - 44.15  91,649,413          1.80      0.95 - 1.35    13.62 - 14.07   
  Investment Division           2009  6,023,263      4.84 - 38.71  88,951,615          2.29      0.95 - 1.35    28.45 - 28.99   
                                2008  7,160,081      3.77 - 30.01  77,071,469          2.30      0.95 - 1.35 (43.39) - (43.20)  
                                2007  9,099,278      6.66 - 52.83 165,886,510          1.70      0.95 - 1.35      0.15 - 0.57   
                                2006 11,832,896      6.65 - 52.53 194,150,780          3.36      0.95 - 1.35    18.54 - 19.06   
Fidelity VIP Growth Investment  2010  2,111,729     42.22 - 42.23  89,166,883          0.28             0.95    23.00 - 23.01   
  Division                      2009  2,292,307     34.32 - 34.33  78,687,001          0.45             0.95    27.08 - 27.09   
                                2008  2,438,573             27.01  65,868,936          0.78      0.95 - 1.35           (47.67)  
                                2007  2,815,092             51.61 145,295,256          0.83      0.95 - 1.35            25.76   
                                2006  3,115,761             41.04 127,870,436          0.41      0.95 - 1.35             5.86   
Fidelity VIP Investment Grade   2010    761,081             29.11  22,154,719          3.50             0.95             6.79   
  Bond Investment Division      2009    794,594             27.26  21,659,031          8.79             0.95    14.63 - 14.64   
                                2008    730,222             23.78  17,363,022          4.32      0.95 - 1.35            (4.15)  
                                2007    841,730             24.81  20,883,287          3.91      0.95 - 1.35             3.37   
                                2006    809,998             24.00  19,442,734          4.10      0.95 - 1.35             3.36   
Fidelity VIP FundsManager 60%   2010 10,055,976       9.88 - 9.93  99,633,507          2.44      1.90 - 2.05    11.32 - 11.49   
  Investment Division           2009      28017       8.87 - 8.90     248,942          1.19      1.90 - 2.05      0.07 - 0.09   
  (Commenced 10/15/2009)                                                                                                        
Calvert VP SRI Balanced         2010  1,850,748     21.72 - 28.66  50,866,287          1.43      0.50 - 1.55    10.37 - 11.54   
  Investment Division           2009  1,901,894     19.68 - 25.89  47,408,049          2.21      0.50 - 1.55    23.36 - 24.67   
                                2008  1,958,099     15.95 - 20.92  39,625,750          2.49      0.50 - 1.55 (32.39) - (32.17)  
                                2007  2,076,677     23.59 - 30.84  62,179,011          2.41      0.50 - 1.55      1.20 - 1.48   
                                2006  2,131,161     23.31 - 30.39  63,065,563          2.32      0.50 - 1.55      7.07 - 7.42   
Calvert VP SRI Mid Cap          2010    371,121     32.96 - 32.97  12,234,406            --             0.95            30.24   
  Growth Investment Division    2009    370,911             25.31   9,388,607            --             0.95    30.77 - 30.78   
                                2008    377,930             19.35   7,315,009            --      0.95 - 1.35           (37.80)  
                                2007    395,084             31.11  12,291,484            --      0.95 - 1.35             9.12   
                                2006    419,490             28.51  11,959,917            --      0.95 - 1.35             5.87   
MIST Lord Abbett Bond           2010 14,565,687      2.32 - 26.47 294,861,986          6.21      0.50 - 2.30    10.40 - 12.40   
  Debenture Investment          2009 14,237,429      2.08 - 23.55 257,209,965          7.15      0.50 - 2.30    33.66 - 36.09   
  Division                      2008 13,513,284      1.54 - 17.31 175,523,561          4.30      0.50 - 2.30 (19.79) - (19.00)  
                                2007 16,100,140      1.92 - 21.37 253,650,839          5.19      0.50 - 2.30      5.49 - 6.00   
                                2006 14,944,530      1.82 - 20.16 213,993,699          6.45      0.50 - 2.30     7.69 - 15.66   
MIST MFS Research International 2010 20,874,325      1.48 - 16.11 258,478,220          1.81      0.50 - 2.30     8.88 - 10.85   
  Investment Division           2009 23,007,961      1.34 - 14.57 245,592,968          3.18      0.50 - 2.30    28.57 - 30.91   
                                2008 23,286,391      1.03 - 19.76 184,318,026          1.73      0.50 - 2.30   (43.41) - 1.39   
                                2007 12,766,518      1.82 - 19.49 209,648,826          1.32      0.50 - 2.30    11.66 - 12.53   
                                2006 10,492,478      1.63 - 17.32 149,723,466          1.54      0.50 - 2.30    25.38 - 25.78   

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE 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 (%)   
                                    ---------- ------------- ------------- ------------- ---------------- -------------------
MIST T. Rowe Price Mid Cap     2010 26,424,580  1.05 - 17.69   269,741,582            --      0.50 - 2.30    24.78 - 27.04   
  Growth Investment Division   2009 24,198,838  0.84 - 13.94   191,894,410            --      0.50 - 2.30    42.12 - 44.74   
                               2008 22,042,286   0.58 - 9.65   118,146,449          0.02      0.50 - 2.30 (40.82) - (40.21)  
                               2007 22,430,313  0.98 - 16.14   195,979,982          0.10      0.50 - 2.30    16.67 - 16.79   
                               2006 17,300,567  0.84 - 13.82   121,788,054            --      0.50 - 2.30      3.70 - 5.58   
MIST PIMCO Total Return        2010 67,513,724  1.65 - 17.91 1,048,658,444          3.43      0.50 - 2.30      5.71 - 7.71   
  Investment Division          2009 53,386,890  1.54 - 16.64   745,981,638          6.78      0.50 - 2.30    15.34 - 17.63   
                               2008 41,057,029  1.32 - 14.17   488,023,782          3.85      0.50 - 2.30   (1.49) - (0.07)  
                               2007 42,064,064  1.34 - 14.18   496,489,123          3.35      0.50 - 2.30      6.35 - 7.02   
                               2006 41,833,228  1.26 - 13.25   447,135,058          2.71      0.50 - 2.30      3.28 - 4.00   
MIST RCM Technology            2010 21,798,046  0.70 - 17.48   151,310,709            --      0.50 - 2.30    24.79 - 27.08   
  Investment Division          2009 20,279,891  0.55 - 13.76   114,450,499            --      0.50 - 2.30    55.36 - 58.17   
                               2008 14,885,344   0.35 - 8.73    53,261,194         13.65      0.50 - 2.30   (45.31) - 7.25   
                               2007 16,760,786   0.64 - 8.14   110,341,128            --      0.50 - 2.30    28.00 - 30.45   
                               2006 10,256,627   0.50 - 6.24    51,632,591            --      0.50 - 2.30      4.17 - 4.52   
MIST Lazard Mid Cap            2010  4,081,305  1.57 - 16.94    62,137,025          0.89      0.50 - 2.30    20.07 - 22.25   
  Investment Division          2009  4,007,439  1.29 - 13.86    49,807,030          1.18      0.50 - 2.30    33.65 - 36.08   
                               2008  4,047,265  0.96 - 10.18    36,431,561          1.00      0.50 - 2.30 (38.85) - (38.23)  
                               2007  5,071,031  1.57 - 16.48    72,090,954          0.42      0.60 - 2.30   (4.27) - (2.14)  
                               2006  3,903,205  1.64 - 16.84    55,911,346          0.36      0.95 - 2.30    13.10 - 13.71   
MIST Invesco Small Cap Growth  2010  2,311,559  1.60 - 17.28    34,771,690            --      0.50 - 2.30    23.32 - 25.55   
  Investment Division          2009  2,575,281  1.28 - 13.77    30,768,907            --      0.50 - 2.30    30.78 - 33.15   
                               2008  2,229,587  0.97 - 10.34    19,921,697            --      0.50 - 2.30 (39.75) - (39.03)  
                               2007  2,376,018  1.61 - 16.96    34,057,199            --      0.50 - 2.30     9.52 - 11.14   
                               2006  2,158,042  1.47 - 15.26    26,549,551            --      0.60 - 2.30    13.08 - 13.46   
MIST Harris Oakmark            2010 22,318,089  2.02 - 21.68   422,198,591          1.89      0.50 - 2.30    13.77 - 15.92   
  International Investment     2009 18,765,510  1.76 - 18.71   304,862,337          7.37      0.50 - 2.30    51.54 - 54.46   
  Division                     2008 16,641,709  1.15 - 12.13   169,380,762          1.70      0.50 - 2.30 (41.62) - (41.17)  
                               2007 22,007,795  1.97 - 20.62   371,672,206          0.83      0.50 - 2.30   (1.99) - (1.62)  
                               2006 20,907,041  2.01 - 20.96   349,659,655          2.26      0.50 - 2.30    27.22 - 30.11   
MIST Oppenheimer Capital       2010  5,676,113  7.69 - 10.94    49,119,197          0.44      0.50 - 2.30      6.92 - 8.86   
  Appreciation Investment      2009  4,735,360  7.20 - 10.10    38,120,403            --      0.50 - 2.30    40.44 - 42.99   
  Division                     2008  3,465,804   5.12 - 7.08    19,734,348          3.52      0.50 - 2.30 (47.22) - (46.44)  
                               2007  2,717,423  9.70 - 13.22    29,294,308          0.01      0.50 - 2.30    10.98 - 13.38   
                               2006  1,363,060  8.74 - 11.66    13,043,745          0.12      0.95 - 2.20      4.55 - 6.68   
MIST Legg Mason ClearBridge    2010  3,935,646  0.77 - 12.07    29,795,656          0.03      0.95 - 2.30    20.97 - 22.89   
  Aggressive Growth Investment 2009  3,431,934   0.63 - 9.83    21,068,292          0.06      0.95 - 2.30    29.92 - 32.20   
  Division                     2008  3,430,823   0.48 - 7.43    15,633,985          0.01      0.95 - 2.30 (39.54) - (39.24)  
                               2007  4,023,244  0.79 - 12.29    28,814,564          0.12      0.95 - 2.30      0.00 - 1.65   
                               2006  4,707,535  0.79 - 12.09    32,574,530            --      0.95 - 2.30   (2.58) - (2.47)  
MIST Third Avenue Small Cap    2010    553,242 17.52 - 19.19    10,020,158          1.13      0.50 - 1.55    18.05 - 19.30   
  Value Investment Division    2009    506,685 14.84 - 16.09     7,743,513          1.12      0.50 - 1.55    24.51 - 25.82   
                               2008    420,511 11.92 - 12.78     5,140,445          0.72      0.50 - 1.55 (30.90) - (30.20)  
                               2007    372,086 17.25 - 18.31     6,558,207          0.92      0.50 - 1.55   (4.54) - (3.48)  
                               2006    263,473 18.07 - 18.97     4,845,048          0.40      0.50 - 1.55    11.54 - 15.25   

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE 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 (%)   
                                      ---------- --------------- ------------- ------------- ---------------- -------------------
MIST Clarion Global Real Estate  2010 15,981,514    2.46 - 15.15   228,566,225          8.23      0.50 - 2.30    13.47 - 15.53   
  Investment Division            2009 16,166,181    2.14 - 13.11   201,669,413          3.29      0.50 - 2.30    31.67 - 34.24   
                                 2008 16,424,718     1.60 - 9.78   154,233,055          1.70      0.50 - 2.30 (42.03) - (41.96)  
                                 2007 17,894,107    2.76 - 16.85   292,163,974          0.99      0.50 - 2.30 (15.60) - (15.41)  
                                 2006 19,937,445    3.27 - 19.92   388,024,131          0.93      0.50 - 2.30    36.82 - 37.28   
MIST Legg Mason Value Equity     2010  5,093,914     0.62 - 6.76    30,136,193          1.93      0.95 - 2.30      4.90 - 6.84   
  Investment Division            2009  4,269,554     0.58 - 6.38    22,707,490          1.57      0.95 - 2.30    34.83 - 36.52   
  (Commenced 5/1/2006)           2008  3,725,248     0.43 - 4.46    14,386,996          0.14      0.95 - 2.30 (54.86) - (54.74)  
                                 2007  3,799,284     0.95 - 9.88    31,781,234          0.00      0.95 - 2.30   (7.77) - (6.62)  
                                 2006  3,971,358    1.03 - 10.58    35,194,160          0.09      0.95 - 2.30     7.33 - 12.38   
MIST SSgA Growth ETF             2010  7,423,121   10.74 - 11.81    84,197,233          1.40      0.50 - 2.30    11.56 - 13.58   
  Investment Division            2009  5,430,802    9.63 - 10.39    54,665,570          1.01      0.50 - 2.30    26.17 - 28.45   
  (Commenced 5/1/2006)           2008    867,152     7.63 - 8.09     6,844,874          1.50      0.50 - 2.30 (34.51) - (33.31)  
                                 2007  1,059,021   11.65 - 12.13    12,618,364            --      0.50 - 2.30      3.10 - 5.48   
                                 2006    323,370   11.30 - 11.50     3,697,379          2.12      0.95 - 2.20    11.31 - 12.93   
MIST SSgA Growth and Income      2010 49,243,201   11.14 - 12.25   579,390,787          1.07      0.50 - 2.30     9.69 - 11.68   
  ETF Investment Division        2009 17,209,210   10.16 - 10.97   182,595,296          1.00      0.50 - 2.30    22.04 - 24.27   
  (Commenced 5/1/2006)           2008  1,018,446     8.32 - 8.83     8,767,451          1.56      0.50 - 2.30 (26.82) - (25.42)  
                                 2007    447,213   11.37 - 11.84     5,202,299          0.00      0.50 - 2.30      2.90 - 5.43   
                                 2006    266,996   11.05 - 11.23     2,982,650          2.24      0.95 - 2.20     9.26 - 10.70   
MIST PIMCO Inflation             2010 33,648,714   12.86 - 14.87   467,910,969          2.26      0.50 - 2.30      5.32 - 7.31   
  Protected Bond Investment      2009 24,705,878   12.21 - 13.86   322,661,010          3.28      0.50 - 2.30    15.37 - 17.60   
  Division (Commenced 5/1/2006)  2008 16,609,891   10.58 - 11.78   186,022,258          3.60      0.50 - 2.30   (9.03) - (7.24)  
                                 2007  3,482,189   11.63 - 12.70    42,383,973          1.71      0.65 - 2.30     8.29 - 10.34   
                                 2006  1,251,815   10.74 - 11.51    13,942,129            --      0.65 - 2.30    (1.91) - 0.00   
MIST Janus Forty Investment      2010  2,367,336 119.99 - 294.59   380,880,175          1.59      0.50 - 2.30      6.91 - 8.97   
  Division (Commenced 4/30/2007) 2009  2,084,776 112.23 - 270.33   309,364,810            --      0.50 - 2.30    39.61 - 42.29   
                                 2008  1,337,831  80.39 - 175.43   140,033,926          4.92      0.50 - 2.30 (43.31) - (42.40)  
                                 2007    278,638 141.80 - 304.58    50,773,976            --      0.50 - 2.30    27.11 - 29.23   
MIST BlackRock Large Cap         2010 20,665,064    6.44 - 81.32   657,439,675          1.33    (0.08) - 2.30     9.90 - 12.73   
   Core Investment Division      2009 21,088,063    5.80 - 72.68   639,219,543          1.76      0.50 - 2.30    16.49 - 18.60   
  (Commenced 4/30/2007)          2008 22,354,205    4.93 - 61.28   589,682,261          0.68      0.50 - 2.30 (38.14) - (36.07)  
                                 2007 25,988,537    7.97 - 95.85 1,097,792,508            --      0.60 - 2.30    (0.04) - 5.73   
Variable B Investment Division   2010    103,828  39.93 - 146.66    14,265,716          1.36    (0.08) - 1.00    11.62 - 11.89   
                                 2009    122,189  35.69 - 131.40    15,078,294          1.65             1.00    18.25 - 18.55   
                                 2008    142,021  30.10 - 111.12    14,787,926          0.71             1.00 (37.74) - (37.59)  
                                 2007    167,124  48.23 - 178.48    28,073,493          1.59             1.00      5.57 - 6.09   
                                 2006    202,085  45.46 - 169.07    32,075,445          1.35             1.00    12.99 - 14.11   
Variable C Investment Division   2010      6,244 146.66 - 187.23     1,092,411          1.37    (0.08) - 1.00    11.62 - 12.73   
                                 2009      6,758 131.40 - 166.08     1,044,718          1.62             1.00    18.25 - 19.43   
                                 2008      9,309 111.12 - 139.06     1,191,340          0.73             1.00 (37.74) - (37.12)  
                                 2007     11,081 178.48 - 221.14     2,233,598          1.54             1.00      5.57 - 6.63   
                                 2006     11,969 169.07 - 207.39     2,255,006          1.36             1.00    12.99 - 14.11   

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE 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 (%)   
                                      ---------- ----------------- ----------- ------------- ---------------- -------------------
MIST American Funds Balanced     2010 54,397,965      9.65 - 10.17 539,848,602          1.00      0.50 - 2.30     9.61 - 11.67   
  Allocation Investment Division 2009 30,034,186       8.81 - 9.11 269,080,901            --      0.50 - 2.30    26.39 - 29.21   
  (Commenced 4/28/2008)          2008  9,087,721       6.97 - 7.06  63,741,086          6.96      0.50 - 2.30 (30.30) - (29.40)  
MIST American Funds Growth       2010 35,239,687       9.18 - 9.64 332,353,082          0.88      0.50 - 2.30    10.91 - 12.92   
  Allocation Investment Division 2009 32,850,723       8.28 - 8.54 276,545,341            --      0.50 - 2.30    31.00 - 33.36   
  (Commenced 4/28/2008)          2008 15,561,108       6.32 - 6.40  99,006,699          7.24      0.50 - 2.30 (36.80) - (36.00)  
MIST American Funds Growth       2010 21,779,384       9.00 - 9.27 201,192,477          0.18      1.15 - 2.25    15.69 - 16.97   
  Investment Division            2009  8,205,983       7.78 - 7.92  64,876,014            --      1.15 - 2.25    35.80 - 37.30   
  (Commenced 11/7/2008 and                                                                                                       
  began transactions in 2009)                                                                                                    
MIST American Funds Moderate     2010 75,010,392      9.89 - 10.39 762,782,012          1.41      0.50 - 2.30      7.40 - 9.36   
  Allocation Investment Division 2009 46,032,309       9.21 - 9.50 431,332,093            --      0.50 - 2.30    20.59 - 22.79   
  (Commenced 4/28/2008)          2008 15,201,857       7.64 - 7.74 116,911,851          6.90      0.50 - 2.30 (23.60) - (22.60)  
MIST American Funds Bond         2010  5,961,314     10.12 - 10.43  61,894,293          1.53      1.15 - 2.25      3.74 - 4.89   
  Investment Division            2009  1,987,475       9.79 - 9.94  19,704,304            --      1.15 - 2.05     9.85 - 10.84   
  (Commenced 11/7/2008)                                                                                                          
MIST Met/Templeton Growth        2010  1,927,337       8.96 - 9.34  17,633,999          1.01      0.50 - 2.05      5.48 - 7.12   
  Investment Division            2009  1,114,271       8.50 - 8.72   9,591,357          0.02      0.50 - 2.05    29.92 - 31.97   
  (Commenced 4/28/2008)          2008    329,768       6.54 - 6.61   2,167,857          1.01      0.50 - 2.30 (34.60) - (33.90)  
MIST Met/Franklin Income         2010  5,033,319     10.84 - 11.37  56,016,534          3.76      0.50 - 2.30     9.28 - 11.26   
  Investment Division            2009  2,693,910      9.92 - 10.22  27,160,816            --      0.50 - 2.30    24.92 - 27.19   
  (Commenced 4/28/2008)          2008  1,062,043       7.94 - 8.01   8,486,992          4.42      0.95 - 2.30 (20.60) - (19.90)  
MIST Met/Franklin Mutual         2010  4,333,640       8.69 - 9.12  38,703,192            --      0.50 - 2.30     8.51 - 10.46   
  Shares Investment Division     2009  2,188,969       8.01 - 8.25  17,828,821            --      0.50 - 2.30    22.05 - 24.27   
  (Commenced 4/28/2008)          2008    696,867       6.57 - 6.64   4,602,420          5.65      0.50 - 2.30 (34.30) - (33.60)  
MIST Met/Franklin Templeton      2010  6,203,619       9.44 - 9.91  60,196,783            --      0.50 - 2.30      7.54 - 9.49   
  Founding Strategy Investment   2009  5,631,074       8.78 - 9.05  50,292,640            --      0.50 - 2.30    25.64 - 27.92   
  Division (Commenced 4/28/2008) 2008  2,808,700       7.01 - 7.06  19,766,948          3.23      0.95 - 2.30 (29.90) - (29.40)  
MIST Dreman Small Cap Value      2010    657,621     14.17 - 14.91   9,722,885          0.58      1.15 - 2.05    16.83 - 17.89   
  Investment Division            2009    238,413     12.13 - 12.65   2,992,834          0.18      1.15 - 2.05    26.17 - 27.30   
  (Commenced 11/7/2008 and                                                                                                       
  began transactions in 2009)                                                                                                    
MIST Met/Templeton International 2010    363,350     12.08 - 12.25   4,442,866          0.46      1.15 - 2.00    11.30 - 12.25   
  Bond Investment Division       2009     64,135     10.85 - 10.92     699,311            --      1.15 - 2.00      8.53 - 9.15   
  (Commenced 5/4/2009)                                                                                                           
MIST Loomis Sayles Global        2010  1,021,819     12.54 - 13.20  13,393,060          2.23      1.15 - 2.25    19.30 - 20.62   
  Markets Investment Division    2009    277,759     10.60 - 10.94   3,025,890          0.16      1.15 - 2.00    38.04 - 39.22   
  (Commenced 11/7/2008 and                                                                                                       
  began transactions in 2009)                                                                                                    
MIST MFS Emerging Markets        2010  2,608,505     12.08 - 12.72  32,997,742          0.84      1.15 - 2.25    20.90 - 22.24   
  Equity Investment Division     2009    922,163     10.07 - 10.41   9,547,667          0.16      1.15 - 2.05    65.54 - 67.02   
  (Commenced 11/7/2008 and                                                                                                       
  began transactions in 2009)                                                                                                    

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METROPOLITAN LIFE SEPARATE ACCOUNT E                                            
OF METROPOLITAN LIFE INSURANCE COMPANY                                          
NOTES TO THE FINANCIAL STATEMENTS -- (CONCLUDED)                                

8. FINANCIAL HIGHLIGHTS -- (CONCLUDED)                                          

                                                        [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 (%)   
                                   ---------- -------------- ------------- ------------- ---------------- -------------------
MIST Pioneer Strategic Income 2010  1,345,150  22.44 - 26.04    34,118,467          3.53      1.15 - 2.05     9.77 - 10.76   
  Investment Division         2009    323,516  20.44 - 23.51     7,426,917          0.48      1.15 - 2.05    30.07 - 31.25   
  (Commenced 11/7/2008 and                                                                                                   
  began transactions in 2009)                                                                                                
MIST Morgan Stanley Mid Cap   2010 24,873,224   1.51 - 16.94   386,858,882            --      0.50 - 2.30    15.85 - 16.84   
  Growth Investment Division                                                                                                 
  (Commenced 5/3/2010)                                                                                                       
MIST Met/Eaton Vance Floating 2010    127,652  10.18 - 10.24     1,306,114            --      1.15 - 2.05      1.81 - 2.42   
  Rate Investment Division                                                                                                   
  (Commenced 5/3/2010)                                                                                                       
American Funds Growth         2010  7,571,854 13.72 - 186.99 1,104,322,652          0.71      0.50 - 2.55    15.70 - 17.91   
  Investment Division         2009  8,261,553 11.70 - 158.74 1,020,275,073          0.67      0.50 - 2.55    35.90 - 38.52   
                              2008  8,477,946  8.50 - 114.72   752,066,110          0.81      0.50 - 2.30 (44.66) - (44.39)  
                              2007  8,771,329 15.36 - 206.31 1,357,133,444          0.81      0.50 - 2.30    11.22 - 11.51   
                              2006  8,417,997 13.81 - 185.02 1,149,387,485          0.85      0.50 - 2.55     9.17 - 11.82   
American Funds Growth-Income  2010  7,599,619   9.91 - 124.6   738,591,508          1.51      0.50 - 2.55     8.62 - 10.71   
  Investment Division         2009  7,531,106  9.04 - 112.66   664,724,752          1.65      0.50 - 2.55    27.94 - 30.40   
                              2008  7,608,552   7.00 - 86.49   510,830,623          1.67      0.50 - 2.30 (38.81) - (38.31)  
                              2007  8,436,306 11.44 - 140.21   910,533,909          1.55      0.50 - 2.30      3.34 - 4.25   
                              2006  8,315,172 11.07 - 134.49   837,771,670          1.64      0.50 - 2.55    13.42 - 16.88   
American Funds Global Small   2010 21,870,431   3.03 - 33.77   638,167,766          1.73      0.50 - 2.55    19.33 - 21.62   
  Capitalization Investment   2009 22,146,914   2.52 - 27.79   528,416,498          0.29      0.50 - 2.55    57.24 - 60.26   
  Division                    2008 21,297,918   1.59 - 17.36   315,284,802            --      0.50 - 2.30 (54.18) - (53.87)  
                              2007 23,822,033   3.47 - 37.63   739,389,771          2.98      0.50 - 2.30    19.66 - 20.49   
                              2006 19,667,484   2.90 - 31.23   508,804,900          0.46      0.50 - 2.55    21.85 - 24.08   
American Funds Bond           2010  8,896,331  14.11 - 18.31   144,729,120          2.96      0.50 - 2.55      3.76 - 5.75   
  Investment Division         2009  9,420,222  13.60 - 17.31   146,076,081          3.27      0.50 - 2.55     9.76 - 11.88   
  (Commenced 5/1/2006 )       2008  9,086,361  12.39 - 15.47   126,975,777          5.10      0.50 - 2.30  (11.63) - (9.95)  
                              2007 11,530,901  14.02 - 17.18   180,371,726          8.58      0.50 - 2.30      0.72 - 2.63   
                              2006  3,673,065  13.92 - 16.74    56,466,709          1.06      0.50 - 2.55      4.27 - 6.32   

(1)  These amounts represent the dividends, excluding distributions of capital  
    gains, received by the Investment Divisions from the underlying portfolio,
series, or fund, net of management fees assessed by the fund manager, 
 divided by the average net assets. 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 recognition of investment income by the Investment
   Division is affected by the timing of the declaration of dividends by the
underlying portfolio, series, or fund in which the Investment Division
  invests. The investment income ratio is calculated as a weighted average
ratio since the Investment Division may invest in two or more share   
 classes, if any, within the underlying portfolio, series or fund of the
Trusts which may have unique investment income ratios.                

(2)  These amounts represent the annualized contract expenses of each of the    
applicable Investment Divisions, consisting primarily of mortality and
  expense risk charges, for each period indicated. The ratios include only
  those expenses that result in a direct reduction to unit values. Charges
  made directly to contract owner accounts through the redemption of units
and expenses of the underlying 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 minimum and
   maximum returns within each product grouping of the applicable Investment
Divisions.                                                            

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 REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors and Stockholder of                                    
Metropolitan Life Insurance Company:                                            

We have audited the accompanying consolidated balance sheets of Metropolitan    
Life Insurance Company and subsidiaries (the "Company") as of December 31, 2010 
and 2009, and the related consolidated statements of operations, equity and cash
flows for each of the three years in the period ended December 31, 2010. These  
consolidated financial statements are the responsibility of the Company's       
management. Our responsibility is to express an opinion on the consolidated     
financial statements 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 Metropolitan Life Insurance Company
and subsidiaries as of December 31, 2010 and 2009, and the results of their     
operations and their cash flows for each of the three years in the period ended 
December 31, 2010, in conformity with accounting principles generally accepted  
in the United States of America.                                                

As discussed in Note 1, the Company changed its method of accounting for the    
recognition and presentation of other-than-temporary impairment losses for      
certain investments as required by accounting guidance adopted on April 1, 2009,
and changed its method of accounting for certain assets and liabilities to a    
fair value measurement approach as required by accounting guidance adopted on   
January 1, 2008.                                                                

/s/ DELOITTE & TOUCHE LLP                                                       
DELOITTE & TOUCHE LLP                                                           

New York, New York                                                              
March 31, 2011                                                                  

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 CONSOLIDATED BALANCE SHEETS
DECEMBER 31, 2010 AND 2009

(IN MILLIONS, EXCEPT SHARE AND PER SHARE DATA)

                                                        [Enlarge/Download Table]

                                                                    2010      2009   
                                                                  --------  -------- 
                                                                                     
ASSETS                                                                               
Investments:                                                                         
  Fixed maturity securities available-for-sale, at estimated                         
     fair value (amortized cost: $153,708 and $145,439,                              
     respectively)..............................................  $159,535  $144,649 
  Equity securities available-for-sale, at estimated fair value                      
     (cost: $1,898 and $2,191, respectively)....................     1,821     2,116 
  Trading and other securities, at estimated fair value                              
     (includes: $463 and $420 of actively traded securities,                         
     respectively; and $201 and $0, respectively, relating to                        
     variable interest entities)................................       735       471 
  Mortgage loans (net of valuation allowances of $522 and $594,                      
     respectively)..............................................    41,667    40,620 
  Policy loans..................................................     8,270     8,099 
  Real estate and real estate joint ventures (includes $10 and                       
     $18, respectively, relating to variable interest                                
     entities)..................................................     5,755     5,711 
  Other limited partnership interests (includes $187 and $236,                       
     respectively, relating to variable interest entities)......     4,517     4,215 
  Short-term investments, principally at estimated fair value...     2,369     3,315 
  Other invested assets, principally at estimated fair value                         
     (includes $102 and $137, respectively, relating to variable                     
     interest entities).........................................     7,822     6,811 
                                                                  --------  -------- 
     Total investments..........................................   232,491   216,007 
Cash and cash equivalents, principally at estimated fair value                       
  (includes $55 and $9, respectively, relating to variable                           
  interest entities)............................................     3,485     3,347 
Accrued investment income (includes $3 and $0, respectively,                         
  relating to variable interest entities).......................     2,183     2,066 
Premiums, reinsurance and other receivables (includes $1 and $0,                     
  respectively, relating to variable interest entities).........    26,802    26,375 
Deferred policy acquisition costs and value of business                              
  acquired......................................................     8,191     9,364 
Current income tax recoverable..................................        --       121 
Deferred income tax assets......................................        --     1,094 
Other assets (includes $6 and $16, respectively, relating to                         
  variable interest entities)...................................     4,426     4,206 
Separate account assets.........................................    97,829    80,377 
                                                                  --------  -------- 
     Total assets...............................................  $375,407  $342,957 
                                                                  ========  ======== 
LIABILITIES AND EQUITY                                                               
LIABILITIES                                                                          
Future policy benefits..........................................  $102,950  $ 99,960 
Policyholder account balances...................................    88,922    86,590 
Other policy-related balances...................................     5,649     5,627 
Policyholder dividends payable..................................       722       761 
Policyholder dividend obligation................................       876        -- 
Payables for collateral under securities loaned and other                            
  transactions..................................................    17,014    14,662 
Short-term debt.................................................       102       319 
Long-term debt (includes $236 and $64, respectively, at                              
  estimated fair value, relating to variable interest                                
  entities).....................................................     3,610     3,502 
Current income tax payable......................................       155        -- 
Deferred income tax liability...................................       950        -- 
Other liabilities (includes $61 and $26, respectively, relating                      
  to variable interest entities)................................    35,113    33,690 
Separate account liabilities....................................    97,829    80,377 
                                                                  --------  -------- 
     Total liabilities..........................................   353,892   325,488 
                                                                  --------  -------- 
CONTINGENCIES, COMMITMENTS AND GUARANTEES (NOTE 13)                                  
EQUITY                                                                               
Metropolitan Life Insurance Company stockholder's equity:                            
  Common stock, par value $0.01 per share; 1,000,000,000 shares                      
     authorized; 494,466,664 shares issued and outstanding at                        
     both December 31, 2010 and 2009............................         5         5 
  Additional paid-in capital....................................    14,445    14,438 
  Retained earnings.............................................     6,001     4,817 
  Accumulated other comprehensive income (loss).................       916    (2,082)
                                                                  --------  -------- 
     Total Metropolitan Life Insurance Company stockholder's                         
       equity...................................................    21,367    17,178 
Noncontrolling interests........................................       148       291 
                                                                  --------  -------- 
     Total equity...............................................    21,515    17,469 
                                                                  --------  -------- 
     Total liabilities and equity...............................  $375,407  $342,957 
                                                                  ========  ======== 


SEE ACCOMPANYING NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS.

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 CONSOLIDATED STATEMENTS OF OPERATIONS
FOR THE YEARS ENDED DECEMBER 31, 2010, 2009 AND 2008

 (IN MILLIONS)

                                                        [Enlarge/Download Table]

                                                           2010      2009      2008  
                                                         -------   -------   ------- 
                                                                                     
REVENUES                                                                             
Premiums...............................................  $18,519   $18,629   $18,444 
Universal life and investment-type product policy                                    
  fees.................................................    2,075     2,067     2,285 
Net investment income..................................   11,605    10,189    11,114 
Other revenues.........................................    1,725     1,739     1,882 
Net investment gains (losses):                                                       
  Other-than-temporary impairments on fixed maturity                                 
     securities........................................     (510)   (1,521)     (787)
  Other-than-temporary impairments on fixed maturity                                 
     securities transferred to other comprehensive                                   
     income (loss).....................................      150       623        -- 
  Other net investment gains (losses)..................      190      (769)     (742)
                                                         -------   -------   ------- 
     Total net investment gains (losses)...............     (170)   (1,667)   (1,529)
  Net derivative gains (losses)........................     (266)   (4,428)    5,001 
                                                         -------   -------   ------- 
       Total revenues..................................   33,488    26,529    37,197 
                                                         -------   -------   ------- 
EXPENSES                                                                             
Policyholder benefits and claims.......................   20,707    20,662    20,699 
Interest credited to policyholder account balances.....    2,523     2,669     3,181 
Policyholder dividends.................................    1,443     1,612     1,716 
Other expenses.........................................    6,259     6,009     6,578 
                                                         -------   -------   ------- 
       Total expenses..................................   30,932    30,952    32,174 
                                                         -------   -------   ------- 
Income (loss) from continuing operations before                                      
  provision for income tax.............................    2,556    (4,423)    5,023 
Provision for income tax expense (benefit).............      782    (1,890)    1,650 
                                                         -------   -------   ------- 
Income (loss) from continuing operations, net of income                              
  tax..................................................    1,774    (2,533)    3,373 
Income (loss) from discontinued operations, net of                                   
  income tax...........................................       18        11      (189)
                                                         -------   -------   ------- 
Net income (loss)......................................    1,792    (2,522)    3,184 
Less: Net income (loss) attributable to noncontrolling                               
  interests............................................       (3)       (5)       97 
                                                         -------   -------   ------- 
Net income (loss) attributable to Metropolitan Life                                  
  Insurance Company....................................  $ 1,795   $(2,517)  $ 3,087 
                                                         =======   =======   ======= 


SEE ACCOMPANYING NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS.

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 CONSOLIDATED STATEMENTS OF EQUITY
FOR THE YEAR ENDED DECEMBER 31, 2010

 (IN MILLIONS)

                                                        [Enlarge/Download Table]

                                                                          ACCUMULATED OTHER                                 
                                                                     COMPREHENSIVE INCOME (LOSS)                            
                                                        ----------------------------------------------------                
                                                                                                                   TOTAL    
                                                                                                               METROPOLITAN 
                                                              NET                      FOREIGN      DEFINED   LIFE INSURANCE
                                  ADDITIONAL              UNREALIZED    OTHER-THAN-    CURRENCY     BENEFIT       COMPANY   
                          COMMON    PAID-IN   RETAINED    INVESTMENT     TEMPORARY   TRANSLATION     PLANS     STOCKHOLDER'S
                           STOCK    CAPITAL   EARNINGS  GAINS (LOSSES)  IMPAIRMENTS  ADJUSTMENTS  ADJUSTMENT      EQUITY    
                          ------  ----------  --------  --------------  -----------  -----------  ----------  --------------
                                                                                                                            
Balance at December 31,                                                                                                     
  2009...................   $5      $14,438    $4,817       $ (265)        $(341)        $ 51       $(1,527)      $17,178   
Cumulative effect of                                                                                                        
  change in accounting                                                                                                      
  principle, net of                                                                                                         
  income tax (Note 1)....                          30                                                                  30   
                            --      -------    ------       ------         -----         ----       -------       -------   
Balance at January 1,                                                                                                       
  2010...................    5       14,438     4,847         (265)         (341)          51        (1,527)       17,208   
Cumulative effect of                                                                                                        
  change in accounting                                                                                                      
  principle, net of                                                                                                         
  income tax (Note 1)....                         (10)          10                                                     --   
Capital contributions                                                                                                       
  from MetLife, Inc.                                                                                                        
  (Note 15)..............                 3                                                                             3   
Excess tax benefits                                                                                                         
  related to stock-based                                                                                                    
  compensation...........                 4                                                                             4   
Dividends on common                                                                                                         
  stock..................                        (631)                                                               (631)  
Change in equity of                                                                                                         
  noncontrolling                                                                                                            
  interests..............                                                                                                   
Comprehensive income                                                                                                        
  (loss):                                                                                                                   
  Net income (loss)......                       1,795                                                               1,795   
  Other comprehensive                                                                                                       
     income (loss):                                                                                                         
     Unrealized gains                                                                                                       
       (losses) on                                                                                                          
       derivative                                                                                                           
       instruments, net                                                                                                     
       of income tax.....                                      118                                                    118   
     Unrealized                                                                                                             
       investment gains                                                                                                     
       (losses), net of                                                                                                     
       related offsets                                                                                                      
       and income tax....                                    2,701            87                                    2,788   
     Foreign currency                                                                                                       
       translation                                                                                                          
       adjustments, net                                                                                                     
       of income tax.....                                                                 (16)                        (16)  
     Defined benefit                                                                                                        
       plans adjustment,                                                                                                    
       net of income                                                                                                        
       tax...............                                                                                98            98   
                                                                                                                  -------   
       Other                                                                                                                
          comprehensive                                                                                                     
          income (loss)..                                                                                           2,988   
                                                                                                                  -------   
  Comprehensive income                                                                                                      
     (loss)..............                                                                                           4,783   
                            --      -------    ------       ------         -----         ----       -------       -------   
Balance at December 31,                                                                                                     
  2010...................   $5      $14,445    $6,001       $2,564         $(254)        $ 35       $(1,429)      $21,367   
                            ==      =======    ======       ======         =====         ====       =======       =======   


                          NONCONTROLLING   TOTAL                                                                            
                             INTERESTS     EQUITY                                                                           
                          --------------  -------                                                                           
                                                                                                                            
Balance at December 31,                                                                                                     
  2009...................      $ 291      $17,469                                                                           
Cumulative effect of                                                                                                        
  change in accounting                                                                                                      
  principle, net of                                                                                                         
  income tax (Note 1)....                      30                                                                           
                               -----      -------                                                                           
Balance at January 1,                                                                                                       
  2010...................        291       17,499                                                                           
Cumulative effect of                                                                                                        
  change in accounting                                                                                                      
  principle, net of                                                                                                         
  income tax (Note 1)....                      --                                                                           
Capital contributions                                                                                                       
  from MetLife, Inc.                                                                                                        
  (Note 15)..............                       3                                                                           
Excess tax benefits                                                                                                         
  related to stock-based                                                                                                    
  compensation...........                       4                                                                           
Dividends on common                                                                                                         
  stock..................                    (631)                                                                          
Change in equity of                                                                                                         
  noncontrolling                                                                                                            
  interests..............       (146)        (146)                                                                          
Comprehensive income                                                                                                        
  (loss):                                                                                                                   
  Net income (loss)......         (3)       1,792                                                                           
  Other comprehensive                                                                                                       
     income (loss):                                                                                                         
     Unrealized gains                                                                                                       
       (losses) on                                                                                                          
       derivative                                                                                                           
       instruments, net                                                                                                     
       of income tax.....                     118                                                                           
     Unrealized                                                                                                             
       investment gains                                                                                                     
       (losses), net of                                                                                                     
       related offsets                                                                                                      
       and income tax....          6        2,794                                                                           
     Foreign currency                                                                                                       
       translation                                                                                                          
       adjustments, net                                                                                                     
       of income tax.....                     (16)                                                                          
     Defined benefit                                                                                                        
       plans adjustment,                                                                                                    
       net of income                                                                                                        
       tax...............                      98                                                                           
                               -----      -------                                                                           
       Other                                                                                                                
          comprehensive                                                                                                     
          income (loss)..          6        2,994                                                                           
                               -----      -------                                                                           
  Comprehensive income                                                                                                      
     (loss)..............          3        4,786                                                                           
                               -----      -------                                                                           
Balance at December 31,                                                                                                     
  2010...................      $ 148      $21,515                                                                           
                               =====      =======                                                                           


SEE ACCOMPANYING NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS.

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 CONSOLIDATED STATEMENTS OF EQUITY (CONTINUED)
FOR THE YEAR ENDED DECEMBER 31, 2009

 (IN MILLIONS)

                                                        [Enlarge/Download Table]

                                                                                            ACCUMULATED OTHER                 
                                                                                       COMPREHENSIVE INCOME (LOSS)            
                                                                          ----------------------------------------------------
                                                                                NET                      FOREIGN      DEFINED 
                                                    ADDITIONAL              UNREALIZED    OTHER-THAN-    CURRENCY     BENEFIT 
                                            COMMON    PAID-IN   RETAINED    INVESTMENT     TEMPORARY   TRANSLATION     PLANS  
                                             STOCK    CAPITAL   EARNINGS  GAINS (LOSSES)  IMPAIRMENTS  ADJUSTMENTS  ADJUSTMENT
                                            ------  ----------  --------  --------------  -----------  -----------  ----------
                                                                                                                              
Balance at December 31, 2008..............    $5      $14,437    $ 7,298      $(7,701)       $  --         $143       $(1,437)
Cumulative effect of change in accounting                                                                                     
  principle, net of income tax (Note 1)...                            36                       (36)                           
  Capital contributions from MetLife, Inc.                                                                                    
     (Note 15)............................                  3                                                                 
  Excess tax liabilities related to stock-                                                                                    
     based compensation...................                 (2)                                                                
  Change in equity of noncontrolling                                                                                          
     interests............................                                                                                    
Comprehensive income (loss):                                                                                                  
  Net income (loss).......................                        (2,517)                                                     
  Other comprehensive income (loss):                                                                                          
     Unrealized gains (losses) on                                                                                             
       derivative instruments, net of                                                                                         
       income tax.........................                                       (162)                                        
     Unrealized investment gains (losses),                                                                                    
       net of related offsets and income                                                                                      
       tax................................                                      7,598         (305)                           
     Foreign currency translation                                                                                             
       adjustments, net of income tax.....                                                                  (92)              
     Defined benefit plans adjustment, net                                                                                    
       of income tax......................                                                                                (90)
     Other comprehensive income (loss)....                                                                                    
  Comprehensive income (loss).............                                                                                    
                                              --      -------    -------      -------        -----         ----       ------- 
Balance at December 31, 2009..............    $5      $14,438    $ 4,817      $  (265)       $(341)        $ 51       $(1,527)
                                              ==      =======    =======      =======        =====         ====       ======= 


                                                 TOTAL                                                                        
                                             METROPOLITAN                                                                     
                                            LIFE INSURANCE                                                                    
                                                COMPANY                                                                       
                                             STOCKHOLDER'S  NONCONTROLLING   TOTAL                                            
                                                EQUITY         INTERESTS     EQUITY                                           
                                            --------------  --------------  -------                                           
                                                                                                                              
Balance at December 31, 2008..............      $12,745          $ 83       $12,828                                           
Cumulative effect of change in accounting                                                                                     
  principle, net of income tax (Note 1)...           --                          --                                           
  Capital contributions from MetLife, Inc.                                                                                    
     (Note 15)............................            3                           3                                           
  Excess tax liabilities related to stock-                                                                                    
     based compensation...................           (2)                         (2)                                          
  Change in equity of noncontrolling                                                                                          
     interests............................                        218           218                                           
Comprehensive income (loss):                                                                                                  
  Net income (loss).......................       (2,517)           (5)       (2,522)                                          
  Other comprehensive income (loss):                                                                                          
     Unrealized gains (losses) on                                                                                             
       derivative instruments, net of                                                                                         
       income tax.........................         (162)                       (162)                                          
     Unrealized investment gains (losses),                                                                                    
       net of related offsets and income                                                                                      
       tax................................        7,293            (5)        7,288                                           
     Foreign currency translation                                                                                             
       adjustments, net of income tax.....          (92)                        (92)                                          
     Defined benefit plans adjustment, net                                                                                    
       of income tax......................          (90)                        (90)                                          
                                                -------          ----       -------                                           
     Other comprehensive income (loss)....        6,949            (5)        6,944                                           
                                                -------          ----       -------                                           
  Comprehensive income (loss).............        4,432           (10)        4,422                                           
                                                -------          ----       -------                                           
Balance at December 31, 2009..............      $17,178          $291       $17,469                                           
                                                =======          ====       =======                                           


SEE ACCOMPANYING NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS.

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

CONSOLIDATED STATEMENTS OF EQUITY -- (CONTINUED)
FOR THE YEAR ENDED DECEMBER 31, 2008

 (IN MILLIONS)

                                                        [Enlarge/Download Table]

                                                                                     ACCUMULATED OTHER                           
                                                                                COMPREHENSIVE INCOME (LOSS)                      
                                                                          ---------------------------------------                
                                                                                                                        TOTAL    
                                                                                                                    METROPOLITAN 
                                                                                NET         FOREIGN      DEFINED   LIFE INSURANCE
                                                    ADDITIONAL              UNREALIZED      CURRENCY     BENEFIT       COMPANY   
                                            COMMON    PAID-IN   RETAINED    INVESTMENT    TRANSLATION     PLANS     STOCKHOLDER'S
                                             STOCK    CAPITAL   EARNINGS  GAINS (LOSSES)  ADJUSTMENTS  ADJUSTMENT      EQUITY    
                                            ------  ----------  --------  --------------  -----------  ----------  --------------
                                                                                                                                 
Balance at December 31, 2007...............   $5      $14,426    $ 5,529      $ 1,342        $ 283       $  (284)     $ 21,301   
Treasury stock transactions, net -- by                                                                                           
  subsidiary...............................               (11)                                                             (11)  
Capital contributions from MetLife, Inc.                                                                                         
  (Note 15)................................                13                                                               13   
Excess tax benefits related to stock-based                                                                                       
  compensation.............................                 9                                                                9   
Dividends of interest in subsidiary (Note                                                                                        
  2).......................................                       (1,318)                                               (1,318)  
Dividends on subsidiary common stock.......                                                                                      
Change in equity of noncontrolling                                                                                               
  interests................................                                                                                      
Comprehensive income (loss):                                                                                                     
  Net income (loss)........................                        3,087                                                 3,087   
  Other comprehensive income (loss):                                                                                             
     Unrealized gains (losses) on                                                                                                
       derivative instruments, net of                                                                                            
       income tax..........................                                       272                                      272   
     Unrealized investment gains (losses),                                                                                       
       net of related offsets and income                                                                                         
       tax.................................                                    (9,315)                                  (9,315)  
     Foreign currency translation                                                                                                
       adjustments, net of income tax......                                                   (140)                       (140)  
     Defined benefit plans adjustment, net                                                                                       
       of income tax.......................                                                               (1,153)       (1,153)  
                                                                                                                      --------   
     Other comprehensive income (loss).....                                                                            (10,336)  
                                                                                                                      --------   
  Comprehensive income (loss)..............                                                                             (7,249)  
                                              --      -------    -------      -------        -----       -------      --------   
Balance at December 31, 2008...............   $5      $14,437    $ 7,298      $(7,701)       $ 143       $(1,437)     $ 12,745   
                                              ==      =======    =======      =======        =====       =======      ========   


                                            NONCONTROLLING INTERESTS                                                             
                                            ------------------------                                                             
                                            DISCONTINUED  CONTINUING    TOTAL                                                    
                                             OPERATIONS   OPERATIONS   EQUITY                                                    
                                            ------------  ----------  --------                                                   
                                                                                                                                 
Balance at December 31, 2007...............    $ 1,534       $162     $ 22,997                                                   
Treasury stock transactions, net -- by                                                                                           
  subsidiary...............................                                (11)                                                  
Capital contributions from MetLife, Inc.                                                                                         
  (Note 15)................................                                 13                                                   
Excess tax benefits related to stock-based                                                                                       
  compensation.............................                                  9                                                   
Dividends of interest in subsidiary (Note                                                                                        
  2).......................................                             (1,318)                                                  
Dividends on subsidiary common stock.......         34                      34                                                   
Change in equity of noncontrolling                                                                                               
  interests................................     (1,409)       (82)      (1,491)                                                  
Comprehensive income (loss):                                                                                                     
  Net income (loss)........................         94          3        3,184                                                   
  Other comprehensive income (loss):                                                                                             
     Unrealized gains (losses) on                                                                                                
       derivative instruments, net of                                                                                            
       income tax..........................                                272                                                   
     Unrealized investment gains (losses),                                                                                       
       net of related offsets and income                                                                                         
       tax.................................       (150)                 (9,465)                                                  
     Foreign currency translation                                                                                                
       adjustments, net of income tax......       (107)                   (247)                                                  
     Defined benefit plans adjustment, net                                                                                       
       of income tax.......................          4                  (1,149)                                                  
                                               -------       ----     --------                                                   
     Other comprehensive income (loss).....       (253)        --      (10,589)                                                  
                                               -------       ----     --------                                                   
  Comprehensive income (loss)..............       (159)         3       (7,405)                                                  
                                               -------       ----     --------                                                   
Balance at December 31, 2008...............    $    --       $ 83     $ 12,828                                                   
                                               =======       ====     ========                                                   


SEE ACCOMPANYING NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS.

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 CONSOLIDATED STATEMENTS OF CASH FLOWS
FOR THE YEARS ENDED DECEMBER 31, 2010, 2009 AND 2008

 (IN MILLIONS)

                                                        [Enlarge/Download Table]

                                                             2010       2009       2008   
                                                           --------   --------   -------- 
                                                                                          
CASH FLOWS FROM OPERATING ACTIVITIES                                                      
Net income (loss)......................................... $  1,792   $ (2,522)  $  3,184 
Adjustments to reconcile net income (loss) to net cash                                    
  provided by operating activities:                                                       
  Depreciation and amortization expenses..................      394        381        258 
  Amortization of premiums and accretion of discounts                                     
     associated with investments, net.....................     (709)      (715)      (660)
  (Gains) losses on investments and derivatives and from                                  
     sales of businesses, net.............................      380      6,081     (2,868)
  Undistributed equity earnings of real estate joint                                      
     ventures and other limited partnership interests.....     (270)       716        524 
  Interest credited to policyholder account balances......    2,523      2,669      3,289 
  Universal life and investment-type product policy fees..   (2,075)    (2,067)    (2,285)
  Change in trading and other securities..................      (14)      (165)        74 
  Change in accrued investment income.....................     (117)        14        316 
  Change in premiums, reinsurance and other receivables...     (377)      (507)    (1,734)
  Change in deferred policy acquisition costs, net........      147       (441)      (100)
  Change in income tax recoverable (payable)..............      735     (2,340)       630 
  Change in other assets..................................      283        (10)     2,828 
  Change in insurance-related liabilities and policy-                                     
     related balances.....................................    2,469      2,582      5,117 
  Change in other liabilities.............................      684      3,330      1,730 
  Other, net..............................................      266         85        161 
                                                           --------   --------   -------- 
Net cash provided by operating activities.................    6,111      7,091     10,464 
                                                           --------   --------   -------- 
CASH FLOWS FROM INVESTING ACTIVITIES                                                      
  Sales, maturities and repayments of:                                                    
     Fixed maturity securities............................   49,828     41,437     68,089 
     Equity securities....................................      520      1,030      2,140 
     Mortgage loans.......................................    4,853      4,589      5,238 
     Real estate and real estate joint ventures...........      241         30        159 
     Other limited partnership interests..................      383        751        404 
  Purchases of:                                                                           
     Fixed maturity securities............................  (57,961)   (51,066)   (56,251)
     Equity securities....................................     (157)      (544)    (1,094)
     Mortgage loans.......................................   (5,820)    (3,231)    (8,819)
     Real estate and real estate joint ventures...........     (539)      (318)    (1,071)
     Other limited partnership interests..................     (614)      (585)    (1,163)
  Cash received in connection with freestanding                                           
     derivatives..........................................      712      1,801      5,448 
  Cash paid in connection with freestanding derivatives...     (920)    (1,748)    (5,420)
  Sales of businesses.....................................       --         --         (4)
  Dividend of subsidiary..................................       --         --       (270)
  Net change in policy loans..............................     (171)      (218)      (193)
  Net change in short-term investments....................      841      4,268     (6,967)
  Net change in other invested assets.....................      142       (740)    (1,859)
  Net change in property, equipment and leasehold                                         
     improvements.........................................     (138)      (109)      (171)
  Other, net..............................................       (7)         1         -- 
                                                           --------   --------   -------- 
Net cash used in investing activities..................... $ (8,807)  $ (4,652)  $ (1,804)
                                                           --------   --------   -------- 

SEE ACCOMPANYING NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS.

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

CONSOLIDATED STATEMENTS OF CASH FLOWS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2010, 2009 AND 2008

 (IN MILLIONS)

                                                        [Enlarge/Download Table]

                                                              2010       2009       2008   
                                                            --------   --------   -------- 
                                                                                           
CASH FLOWS FROM FINANCING ACTIVITIES                                                       
  Policyholder account balances:                                                           
     Deposits.............................................  $ 44,481   $ 51,313   $ 58,338 
     Withdrawals..........................................   (43,381)   (57,182)   (48,818)
  Net change in payables for collateral under securities                                   
     loaned and other transactions........................     2,352     (3,987)   (10,303)
  Net change in short-term debt...........................      (217)       (95)        57 
  Long-term debt issued...................................       188      1,205         27 
  Long-term debt repaid...................................      (324)      (737)       (21)
  Dividends on common stock...............................      (232)        --         -- 
  Other, net..............................................       (33)       112          8 
                                                            --------   --------   -------- 
Net cash provided by (used in) financing activities.......     2,834     (9,371)      (712)
                                                            --------   --------   -------- 
Change in cash and cash equivalents.......................       138     (6,932)     7,948 
Cash and cash equivalents, beginning of year..............     3,347     10,279      2,331 
                                                            --------   --------   -------- 
CASH AND CASH EQUIVALENTS, END OF YEAR....................  $  3,485   $  3,347   $ 10,279 
                                                            ========   ========   ======== 
Cash and cash equivalents, subsidiaries held-for-sale,                                     
  beginning of year.......................................  $     --   $     --   $    404 
                                                            ========   ========   ======== 
CASH AND CASH EQUIVALENTS, SUBSIDIARIES HELD-FOR-SALE, END                                 
  OF YEAR.................................................  $     --   $     --   $     -- 
                                                            ========   ========   ======== 
Cash and cash equivalents, from continuing operations,                                     
  beginning of year.......................................  $  3,347   $ 10,279   $  1,927 
                                                            ========   ========   ======== 
CASH AND CASH EQUIVALENTS, FROM CONTINUING OPERATIONS, END                                 
  OF YEAR.................................................  $  3,485   $  3,347   $ 10,279 
                                                            ========   ========   ======== 
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:                                         
  Net cash paid during the year for:                                                       
     Interest.............................................  $    217   $    166   $    268 
                                                            ========   ========   ======== 
     Income tax...........................................  $    183   $    285   $    494 
                                                            ========   ========   ======== 
  Non-cash transactions during the year:                                                   
     Dividend of subsidiary:                                                               
       Assets disposed....................................  $     --   $     --   $ 22,135 
       Liabilities disposed...............................        --         --    (20,689)
                                                            --------   --------   -------- 
       Net assets disposed................................        --         --      1,446 
       Cash disposed......................................        --         --        270 
       Dividend of interests in subsidiary................        --         --     (1,318)
                                                            --------   --------   -------- 
       Loss on dividend of interests in subsidiary........  $     --   $     --   $    398 
                                                            ========   ========   ======== 
  Purchase money mortgage loans on sales of real estate                                    
     joint ventures.......................................  $      2   $     93   $     -- 
                                                            ========   ========   ======== 
  Fixed maturity securities received in connection with                                    
     insurance contract commutation.......................  $     --   $     --   $    115 
                                                            ========   ========   ======== 
  Capital contribution from MetLife, Inc. ................  $      3   $      3   $     13 
                                                            ========   ========   ======== 
  Dividends to MetLife, Inc. .............................  $    399   $     --   $     -- 
                                                            ========   ========   ======== 
  Real estate and real estate joint ventures acquired in                                   
     satisfaction of debt.................................  $     58   $    209   $     -- 
                                                            ========   ========   ======== 
  Issuance of secured demand note collateral agreement....  $     --   $     --   $     25 
                                                            ========   ========   ======== 
  Long-term debt issued to MetLife, Inc. in exchange for                                   
     fixed maturity securities............................  $     --   $    300   $     -- 
                                                            ========   ========   ======== 


SEE ACCOMPANYING NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS.

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

1.  BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING       
POLICIES                                                                

BUSINESS                                                                    

 Metropolitan Life Insurance Company and its subsidiaries (collectively,
"MLIC" or the "Company") is a leading provider of insurance, annuities and      
employee benefit programs throughout the United States. The Company offers life 
insurance and annuities to individuals, as well as group insurance and          
retirement & savings products and services to corporations and other            
institutions. Metropolitan Life Insurance Company is a wholly-owned subsidiary  
of MetLife, Inc.                                                                

BASIS OF PRESENTATION                                                       

    The accompanying consolidated financial statements include the accounts of
Metropolitan Life Insurance Company and its subsidiaries, as well as            
partnerships and joint ventures in which the Company has control, and variable  
interest entities ("VIEs") for which the Company is the primary beneficiary. See
"-- Adoption of New Accounting Pronouncements." Closed block assets,            
liabilities, revenues and expenses are combined on a line-by-line basis with the
assets, liabilities, revenues and expenses outside the closed block based on the
nature of the particular item. See Note 10. Intercompany accounts and           
transactions have been eliminated.                                              

   Certain amounts in the prior years consolidated financial statements have
been reclassified to conform with the 2010 presentation. Such reclassifications 
include:                                                                        

 - Reclassification from other net investment gains (losses) of ($4,428)
million and $5,001 million to net derivative gains (losses) in the
    consolidated statements of operations for the years ended December 31,
2009 and 2008, respectively;                                      

- Reclassification from net change in other invested assets of $1,801 
million and $5,448 million to cash received in connection with    
   freestanding derivatives and ($1,748) million and ($5,420) million to
    cash paid in connection with freestanding derivatives, all within cash
     flows from investing activities, in the consolidated statements of cash
     flows for the years ended December 31, 2009 and 2008, respectively; and

   - Realignment that affected assets, liabilities and results of operations
     on a segment basis with no impact to the consolidated results. See Note
17.                                                               

See Note 18 for reclassifications related to discontinued operations. 

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.  

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND CRITICAL ACCOUNTING ESTIMATES

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.               

   A description of critical estimates is incorporated within the discussion
of the related accounting policies which follows. In applying these policies,   
management makes subjective and complex judgments that frequently require       
estimates 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 businesses and        
operations. Actual results could differ from these estimates.                   

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Fair Value                                                                  

As described below, certain assets and liabilities are measured at    
estimated fair value on the Company's consolidated balance sheets. In addition, 
the notes to these consolidated 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 many
cases, the exit price and the transaction (or entry) price will be the same at  
initial recognition. However, in certain cases, the transaction price may not   
represent fair value. The fair value of a liability is based on the amount that 
would be paid to transfer a liability to a third party with the same credit     
standing. It requires that fair value be a market-based measurement in which the
fair value is determined based on a hypothetical transaction at the measurement 
date, considered from the perspective of a market participant. When quoted      
prices are not used to determine fair value of an asset, 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. The Company 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 Company categorizes its assets and
liabilities measured at estimated fair value into a three-level hierarchy, 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 or liabilities (Level 1) and the lowest priority to        
unobservable inputs (Level 3). An asset or liability's classification within the
fair value hierarchy is based on the lowest level of input to 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. Level 2 inputs 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 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. Level 3
           assets and liabilities include financial instruments whose values
   are determined using pricing models, discounted cash flow
          methodologies, or similar techniques, as well as instruments for
  which the determination of estimated fair value requires
significant management judgment or estimation.        

 Prior to January 1, 2009, the measurement and disclosures of fair value
based on exit price excluded certain items such as nonfinancial assets and      
nonfinancial liabilities initially measured at estimated fair value in a        
business combination, reporting units measured at estimated fair value in the   
first step of a goodwill impairment test and indefinite-lived intangible assets 
measured at estimated fair value for impairment assessment.                     

    In addition, the Company elected the fair value option ("FVO") for certain
of its financial instruments to better match measurement of assets and          
liabilities in the consolidated statements of operations.                       

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Investments                                                                 

The accounting policies for the Company's principal investments are as
follows:                                                                        

       Fixed Maturity and Equity Securities.  The Company's fixed maturity
     and equity securities are classified as available-for-sale 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), 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 of securities are determined on a specific identification
basis.                                                                

        Interest income on fixed maturity securities is recorded when earned
   using an effective yield method giving effect to amortization of premiums
 and accretion of discounts. Dividends on equity securities are recorded
when declared. These dividends and interest income are recorded in net
investment income.                                                    

        Included within fixed maturity securities are loan-backed securities
     including mortgage-backed and asset-backed securities ("ABS"). Amortization
    of the premium or discount from the purchase of these 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 prepayments originally
    anticipated and the actual prepayments received and currently anticipated.
     Prepayment assumptions for single class and multi-class mortgage-backed and
ABS are estimated by management using inputs obtained from third-party
    specialists, including broker-dealers, 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.         

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. The Company's review of
its fixed maturity and equity securities for impairments includes an  
analysis of the total gross unrealized losses by three categories of  
   severity and/or age of the gross unrealized loss, as summarized in Note 3
 "-- Aging of Gross Unrealized Loss and OTTI Loss for Fixed Maturity and
  Equity Securities Available-for-Sale." An extended and severe unrealized
   loss position on a fixed maturity security may not have any impact on the
ability of the issuer to service all scheduled interest and principal 
    payments and the Company's evaluation of recoverability of all contractual
cash flows or the ability to recover an amount at least equal to its  
     amortized cost based on the present value of the expected future cash flows
     to be collected. In contrast, for certain equity securities, greater weight
     and consideration are given by the Company to a decline in market value and
the likelihood such market value decline will recover.                

        Additionally, 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 by the  
   Company 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
of securities 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 type of 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
cost or                                                               

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

   amortized cost recovers; (vii) with respect to equity securities, whether
    the Company's ability and intent to hold the 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; (viii) unfavorable changes in   
     forecasted cash flows on mortgage-backed and ABS; and (ix) other subjective
    factors, including concentrations and information obtained from regulators
and rating agencies.                                                  

          Effective April 1, 2009, the Company prospectively adopted guidance on
the recognition and presentation of other-than-temporary impairment   
("OTTI") losses as described in "-- Adoption of New Accounting        
 Pronouncements -- Financial Instruments." The guidance requires that an
OTTI be recognized in earnings for a fixed maturity security in an    
 unrealized loss position when it is anticipated that the amortized cost
    will not be recovered. In such situations, the OTTI recognized in earnings
  is the entire difference between the fixed maturity security's amortized
     cost and its estimated fair value only when either: (i) the Company has the
    intent to sell the fixed maturity security; or (ii) it is more likely than
   not that the Company will be required to sell the fixed maturity security
before recovery of the decline in estimated fair value below amortized
    cost. If neither of these two conditions exist, the difference between the
amortized cost of the fixed maturity 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 other comprehensive income (loss). There was no 
    change for equity securities which, when an OTTI has occurred, continue to
  be impaired for the entire difference between the equity security's cost
   and its estimated fair value with a corresponding charge to earnings. The
   Company does not make any adjustments for subsequent recoveries in value.

         Prior to the adoption of the OTTI guidance, the Company recognized in
earnings an OTTI for a fixed maturity security in an unrealized loss  
    position unless it could assert that it had both the intent and ability to
   hold the fixed maturity security for a period of time sufficient to allow
  for a recovery of estimated fair value to the security's amortized cost.
     Also, prior to the adoption of this guidance, the entire difference between
   the fixed maturity security's amortized cost basis and its estimated fair
value was recognized in earnings if it was determined to have an OTTI.

        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 it is not expected to recover to an amount
     at least equal to cost prior to the expected time of the sale, the security
    will be deemed other-than-temporarily impaired in the period that the sale
  decision was made and an OTTI loss will be recorded in earnings. When an
    OTTI loss has occurred, the OTTI loss is the entire difference between the
  equity security's cost and its estimated fair value with a corresponding
charge to earnings.                                                   

       With respect to perpetual hybrid securities that have attributes of
both debt and equity, some of which are classified as fixed maturity  
 securities and some of which are classified as non-redeemable preferred
    stock within equity securities, the Company considers in its OTTI analysis
  whether there has been any deterioration in credit of the issuer and the
    likelihood of recovery in value of the securities that are in a severe and
   extended unrealized loss position. The Company also considers 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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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

          The Company's methodology and significant inputs used to determine the
amount of the credit loss on fixed maturity securities under the OTTI 
guidance are as follows:                                              

  (i) The Company calculates the recovery value by performing a discounted
    cash flow analysis based on the present value of future cash flows
       expected to be received. The discount rate is generally the effective
   interest rate of the fixed maturity security prior to impairment.

     (ii) When determining the collectability and the period over which value is
    expected to recover, the Company applies the same 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:
         general payment terms of the security; the likelihood that the issuer
          can service the scheduled 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.                  

     (iii) Additional considerations are made when assessing the unique features
     that apply to certain structured securities such as residential
     mortgage-backed securities ("RMBS"), commercial mortgage-backed
          securities ("CMBS") and ABS. These additional factors for structured
           securities include, but are not limited to: 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.                        

  (iv) When determining the amount of the credit loss for U.S. and foreign
     corporate securities, foreign government securities and state and
        political subdivision securities, management considers the estimated
        fair value as 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 which incorporates available information and management's best
        estimate of scenarios-based outcomes regarding the specific security
       and issuer; possible corporate restructurings or asset sales by the
  issuer; the quality and amount of any credit enhancements; the
   security's position within the capital structure of the issuer;
          fundamentals of the industry and geographic area in which the security
issuer operates, and the overall macroeconomic conditions.  

         The cost or amortized cost of fixed maturity and equity securities is
   adjusted for OTTI in the period in which the determination is made. These
    impairments are included within net investment gains (losses). 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 into
net investment income over the remaining term of the fixed maturity   
security in a prospective manner based on the amount and timing of    
estimated future cash flows.                                          

      The Company purchases and receives beneficial interests in special
    purpose entities ("SPEs"), which enhance the Company's total return on its
     investment portfolio principally by providing equity-based returns on fixed
maturity securities. These investments are generally made through     
structured notes and similar instruments (collectively, "Structured   
    Investment Transactions"). The Company has not guaranteed the performance,
     liquidity or obligations of the SPEs and its exposure to loss is limited to
 its carrying value of the beneficial interests in the SPEs. The Company
does not consolidate such SPEs as it has determined it is             

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

   not the primary beneficiary. These Structured Investment Transactions are
included in fixed maturity securities and their investment income is  
   generally recognized using the retrospective interest method. Impairments
of these investments are included in net investment gains (losses). In
    addition, the Company has invested in certain structured transactions that
are VIEs. These structured transactions include  asset-backed         
securitizations, hybrid securities, real estate joint ventures, other 
     limited partnership interests, and limited liability companies. The Company
consolidates those VIEs for which it is deemed to be the primary      
    beneficiary. The Company reconsiders whether it is the primary beneficiary
for investments designated as VIEs on a quarterly basis.              

          Trading and Other Securities.  Trading and other securities are stated
   at estimated fair value. Trading and other securities include investments
    that are actively purchased and sold ("Actively Traded Securities"). These
     Actively Traded Securities are principally fixed maturity securities. Short
    sale agreement liabilities related to Actively Traded Securities, included
    in other liabilities, are also stated at estimated fair value. Trading and
other securities also includes securities for which the FVO has been  
   elected ("FVO Securities"). FVO Securities include certain fixed maturity
     and equity securities held-for-investment by the general account to support
     asset and liability matching strategies for certain insurance products. FVO
Securities also include securities held by consolidated securitization
  entities ("CSEs") (former qualifying special purpose entities ("QSPEs"))
   with changes in estimated fair value subsequent to consolidation included
 in net investment gains (losses). Interest and dividends related to all
trading and other securities are included in net investment income.   

          Securities Lending.  Securities loaned transactions, whereby blocks of
    securities, which are included in fixed maturity securities and short-term
investments, are loaned to third parties, are treated as financing    
     arrangements and the associated liability is recorded at the amount of cash
received. At the inception of a loan, the Company obtains collateral, 
   generally cash, in an amount at least 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 monitors the  
estimated fair value of the securities loaned on a daily basis with   
additional collateral obtained as necessary. Substantially all of the 
Company's securities loaned transactions are with brokerage firms and 
 commercial banks. Income and expenses associated with securities loaned
transactions are reported as investment income and investment expense,
respectively, within net investment income.                           

         Mortgage Loans.  For the purposes of determining valuation allowances
the Company disaggregates its mortgage loan investments into three    
    portfolio segments: (1) commercial, (2) agricultural, and (3) residential.
    The accounting and valuation allowance policies that are applicable to all
     portfolio segments are presented below, followed by the policies applicable
    to both commercial and agricultural loans, which are very similar, as well
as policies applicable to residential loans.                          

Commercial, Agricultural and Residential Mortgage 
   Loans -- Mortgage loans are stated at unpaid principal balance,
      adjusted for any unamortized premium or discount, deferred fees or
         expenses, and net of valuation allowances. Interest income is accrued
       on the principal amount of the loan based on the loan's contractual
     interest rate. Amortization of premiums and discounts is recorded
      using the effective yield method. Interest income, amortization of
  premiums and discounts and prepayment fees are reported in net
   investment income. Interest ceases to accrue when collection of
         interest is not considered probable and/or when interest or principal
payments are past due as follows: commercial -- 60 days; and
     agricultural and residential -- 90 days, unless, in the case of a
   residential loan, it is both well-secured and in the process of
        collection. When a loan is placed on non-accrual status, uncollected
   past due interest is charged-off against net investment income.
          Generally, the accrual of interest income resumes after all delinquent
     amounts are paid and management believes all future principal and
      interest payments will be collected. Cash receipts on non-accruing
 loans are recorded in accordance with the loan agreement as a
         reduction of principal and/or interest income. Charge-offs occur upon
      the realization of a credit loss, typically through foreclosure or
     after a decision is made to sell a loan, or for residential loans

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

       when, after considering the individual consumer's financial status,
      management believes that uncollectability is other-than-temporary.
Gain or loss upon charge-off is recorded, net of previously 
       established valuation allowances, in net investment gains (losses).
   Cash recoveries on principal amounts previously charged-off are
        generally recorded as an increase to the valuation allowance, unless
   the valuation allowance adequately provides for expected credit
 losses; then the recovery is recorded in net investment gains
   (losses). Gains and losses from sales of loans and increases or
          decreases to valuation allowances are recorded in net investment gains
(losses).                                                   

              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 contractual terms of the
       loan agreement. Specific valuation allowances are established using
       the same methodology for all three portfolio segments as the excess
          carrying value of a loan over either (i) the present value of expected
          future cash flows discounted at the loan's original effective interest
rate, (ii) the estimated fair value of the loan's underlying
        collateral if the loan is in the process of foreclosure or otherwise
        collateral dependent, or (iii) the loan's observable market price. A
     common evaluation framework is used for establishing non-specific
    valuation allowances for all loan portfolio segments; however, a
          separate non-specific valuation allowance is calculated and maintained
          for each loan portfolio segment that is based on inputs unique to each
 loan portfolio segment. Non-specific valuation allowances are
          established for pools of loans with similar risk characteristics where
        a property-specific or market-specific risk has not been identified,
   but for which the Company expects to incur a credit loss. These
      evaluations are based upon several loan portfolio segment-specific
         factors, including the Company's experience for loan losses, defaults
        and loss severity, and loss expectations for loans with similar risk
      characteristics. The Company typically uses ten years, or more, of
      historical experience, in these evaluations. These evaluations are
       revised as conditions change and new information becomes available.

              Commercial and Agricultural Mortgage Loans -- All commercial and
      agricultural loans are monitored on an ongoing basis for potential
          credit losses. For commercial loans, these ongoing reviews may include
         an analysis of the property financial statements and rent roll, lease
       rollover analysis, property inspections, market analysis, estimated
       valuations of the underlying collateral, loan-to-value ratios, debt
        service coverage ratios, and tenant creditworthiness. The monitoring
      process focuses on higher risk loans, which include those that are
        classified as restructured, potentially delinquent, 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 loans is generally similar, with a focus on higher risk
     loans, including reviews on a geographic and property-type basis.
Higher risk commercial and agricultural loans are reviewed  
  individually on an ongoing basis for potential credit loss and
       specific valuation allowances are established using the methodology
   described above for all loan portfolio segments. 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 loans, the Company's 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 values utilized in calculating these ratios are
          developed in connection with the ongoing review of the commercial loan
portfolio and are routinely updated.                        

          For agricultural loans, the Company's primary credit quality
          indicator is the loan-to-value ratio. Loan-to-value ratios compare the
    amount of the loan to the estimated fair value of the underlying
          collateral. A loan-to-value ratio greater than 100% indicates that the
     loan amount is greater than the collateral value. A loan-to-value
        ratio of less than 100% indicates an excess of collateral value over
the                                                         

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

          loan amount. Generally, the higher the loan-to-value ratio, the higher
  the risk of experiencing a credit loss. The values utilized in
         calculating these ratios are developed in connection with the ongoing
        review of the agricultural loan portfolio and are routinely updated.

           Residential Mortgage Loans --  The Company's residential loan
          portfolio is comprised primarily of closed end, amortizing residential
  loans and home equity lines of credit and it does not hold any
     optional adjustable rate mortgages, sub-prime, or low teaser rate
loans.                                                      

             In contrast to the commercial and agricultural loan portfolios,
    residential loans are smaller-balance homogeneous loans that are
 collectively evaluated for impairment. Non-specific valuation
       allowances are established using the evaluation framework described
          above for pools of loans with similar risk characteristics from inputs
          that are unique to the residential segment of the loan portfolio. Loan
     specific valuation allowances are only established on residential
        loans when they have been restructured and are established using the
methodology described above for all loan portfolio segments.

         For residential loans, the Company's primary credit quality
      indicator is whether the loan is performing or non-performing. The
       Company generally defines non-performing residential loans as those
       that are 90 or more days past due and/or in non-accrual status. The
    determination of performing or non-performing status is assessed
      monthly. Generally, non-performing residential loans have a higher
risk of experiencing a credit loss.                         

       Mortgage loans held-for-sale are recorded at the lower of amortized
    cost or estimated fair value less expected disposition costs determined on
an individual loan basis. The amount by which amortized cost exceeds  
     estimated fair value, less expected disposition costs, is recognized in net
investment gains (losses).                                            

        Policy Loans.  Policy loans are stated at unpaid principal balances.
Interest income on such loans is recorded as earned in net investment 
income using the contractually agreed upon interest rate. Generally,  
interest is capitalized on the policy's anniversary date. Valuation   
   allowances are not established for policy loans, as these loans 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  
policy.                                                               

    Real Estate.  Real estate held-for-investment, including related
     improvements, 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 is recognized on a    
 straight-line basis over the term of the respective leases. The Company
  classifies a property as held-for-sale if it commits to a plan to sell a
   property within one year and actively markets the property in its current
 condition for a price that is reasonable in comparison to its estimated
   fair value. The Company classifies the results of operations and the gain
or loss on sale of a property that either has been disposed of or     
classified as held-for-sale as discontinued operations, if the ongoing
   operations of the property will be eliminated from the ongoing operations
    of the Company and if the Company will not have any significant continuing
   involvement in the operations of the property after the sale. Real estate
    held-for-sale is stated at the lower of depreciated cost or estimated fair
     value less expected disposition costs. Real estate is not depreciated while
 it is classified as held-for-sale. The Company periodically reviews its
properties held-for-investment for impairment and tests properties for
 recoverability whenever events or changes in circumstances indicate the
    carrying amount of the asset may not be recoverable and the carrying value
     of the property exceeds its estimated fair value. Properties whose carrying
   values are greater than their undiscounted cash flows are written down to
their estimated fair value, with the impairment loss included in net  
   investment gains (losses). Impairment losses are based upon the estimated
  fair value of real estate, which is generally computed using the present
  value of expected future cash flows from the real estate discounted at a
rate commensurate with the underlying risks. Real estate acquired upon
foreclosure is recorded at the lower of estimated fair value or the   
carrying value of the mortgage loan at the date of foreclosure.       

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Real Estate Joint Ventures and Other Limited Partnership    
Interests.  The Company uses the equity method of accounting for      
 investments in real estate joint ventures and other limited partnership
interests consisting of leveraged buy-out funds, hedge funds and other
   private equity funds in which it has more than a minor equity interest or
more than a minor influence over the joint ventures or partnership's  
     operations, but does not have a controlling interest and is not the primary
   beneficiary. The equity method is also used for such investments in which
  the Company has more than a minor influence or more than a 20% interest.
  Generally, the Company records its share of earnings using a three-month
 lag methodology for instances where the timely financial information is
available and the contractual right exists to receive such financial  
information on a timely basis. The Company uses the cost method of    
    accounting for investments in real estate joint ventures and other limited
partnership interests in which it has a minor equity investment and   
virtually no influence over the joint ventures or the partnership's   
  operations. The Company reports the distributions from real estate joint
  ventures and other limited partnership interests accounted for under the
cost method and equity in earnings from real estate joint ventures and
   other limited partnership interests accounted for under the equity method
   in net investment income. In addition to the investees performing regular
evaluations for the impairment of underlying investments, the Company 
     routinely evaluates its investments in real estate joint ventures and other
     limited partnerships for impairments. The Company considers its cost method
    investments for OTTI when the carrying value of real estate joint ventures
and other limited partnership interests exceeds the net asset value   
    ("NAV"). The Company takes into consideration the severity and duration of
this excess when deciding if the cost method investment is other-than-
  temporarily impaired. 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. When an OTTI is deemed to have occurred, the Company records a
  realized capital loss within net investment gains (losses) to record the
investment at its estimated fair value.                               

       Short-term Investments.  Short-term investments include investments
with remaining maturities of one year or less, but greater than three 
 months, at the time of purchase and are stated at amortized cost, which
  approximates estimated fair value, or stated at estimated fair value, if
  available. Short-term investments also include investments in affiliated
money market pools.                                                   

        Other Invested Assets.  Other invested assets consist principally of
 freestanding derivatives with positive estimated fair values, leveraged
leases, loans to affiliates, investments in insurance enterprise joint
ventures, tax credit partnerships, and funds withheld.                

    Freestanding derivatives with positive estimated fair values are
described in the derivatives accounting policy which follows.         

       Leveraged leases are recorded net of non-recourse debt. The Company
     participates in lease transactions which are diversified by industry, asset
  type and geographic area. The Company recognizes income on the leveraged
  leases by applying the leveraged lease's estimated rate of return to the
    net investment in the lease. The Company regularly reviews residual values
and impairs them to expected values.                                  

    Loans to affiliates, some of which are regulated, are carried at
  amortized cost and are used by the affiliates to assist in meeting their
capital requirements.                                                 

    Joint venture investments represent the Company's investments in
     entities that engage in insurance underwriting activities and are accounted
for under the equity method.                                          

        Tax credit partnerships are established for the purpose of investing
    in low-income housing and other social causes, where the primary return on
     investment is in the form of income tax credits and are accounted for under
    the equity method or under the effective yield method. The Company reports
the equity in earnings of joint venture investments and tax credit    
partnerships in net investment income.                                

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     Funds withheld represent amounts contractually withheld by ceding
    companies in accordance with reinsurance agreements. The Company records a
funds withheld receivable 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 and records it in net investment income.

     Investments Risks and Uncertainties.  The Company's investments are exposed
to four primary sources of risk: credit, interest rate, liquidity risk, and     
market valuation. 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.                                              

  When available, the estimated fair value of the Company's fixed maturity
and equity securities are 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 judgment.                                                            

   When quoted prices in active markets are not available, the determination
of estimated fair value is based on market standard valuation methodologies. The
market standard valuation methodologies utilized include: discounted cash flow  
methodologies, matrix pricing or other similar techniques. The inputs to these  
market standard valuation methodologies include, but are not limited to:        
interest rates, credit standing of the issuer or counterparty, industry sector  
of the issuer, coupon rate, call provisions, sinking fund requirements,         
maturity, estimated duration and management's assumptions regarding liquidity   
and estimated future cash flows. Accordingly, the estimated fair values are     
based on available market information and management's judgments about financial
instruments.                                                                    

   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. Such observable inputs include          
benchmarking prices for similar assets in active, liquid markets, quoted prices 
in markets that are not active and observable yields and spreads in the market. 

 When observable inputs are not available, the market standard valuation
methodologies for determining the estimated fair value of certain types of      
securities that trade infrequently, and therefore have little or no price       
transparency, 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 judgment or estimation, and cannot be supported by  
reference to market activity. Even though unobservable, these inputs are based  
on assumptions deemed appropriate given the circumstances and consistent with   
what other market participants would use when pricing such securities.          

   Mortgage loans held-for-sale which are recorded at the lower of amortized
cost or estimated fair value less expected disposition costs determined on an   
individual loan basis. For these loans, estimated fair value is determined using
independent broker quotations or, when the loan is in foreclosure or otherwise  
determined to be collateral dependent, the estimated fair value of the          
underlying collateral estimated using internal models.                          

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.                                                                     

The determination of the amount of allowances and impairments, as     
applicable, is described previously by investment type. The determination of    
such allowances and impairments is highly subjective and is based upon the      

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Company's periodic evaluation and assessment 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. loan-backed    
securities, including mortgage-backed and ABS, certain structured investment    
transactions, trading and other securities) is dependent upon market conditions,
which could result in prepayments and changes in amounts to be earned.          

  The accounting guidance for the determination of when an entity is a VIE
and when to consolidate a VIE is complex and requires significant management    
judgment. 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.      

For most VIEs, the entity that has both the ability to direct the most
significant activities of the VIE and the obligation to absorb losses or receive
benefits that could be significant to the VIE is considered 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.   

Derivative Financial Instruments                                            

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 market. The Company uses a variety of derivatives, including swaps, 
forwards, futures and option contracts, to manage various risks relating to its 
ongoing business. To a lesser extent, the Company uses credit derivatives, such 
as credit default swaps, to synthetically replicate investment risks and returns
which are not readily available in the cash market. The Company also purchases  
certain securities, issues certain insurance policies and investment contracts  
and engages in certain reinsurance contracts that have embedded derivatives.    

    Freestanding derivatives are carried on the Company's consolidated balance
sheets either as assets within other invested assets or as liabilities within   
other liabilities at estimated fair value as determined through the use of      
quoted market prices for exchange-traded derivatives or through the use of      
pricing models for over-the-counter derivatives. The determination of estimated 
fair value, when quoted market values are not available, is based on market     
standard valuation methodologies and inputs that are assumed to be consistent   
with what other market participants would use when pricing the instruments.     
Derivative valuations can be affected by changes in interest rates, foreign     
currency exchange rates, financial indices, credit spreads, default risk        
(including the counterparties to the contract), volatility, liquidity and       
changes in estimates and assumptions used in the pricing models.                

The Company does not offset the fair value amounts recognized for     
derivatives executed with the same counterparty under the same master netting   
agreement.                                                                      

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 generally reported in net derivative gains     
(losses) except for those in net investment income for economic hedges of equity
method investments in joint ventures, or for all derivatives held in relation to
the trading portfolios. The fluctuations in estimated fair value of derivatives 
which have not been designated for hedge accounting can result in significant   
volatility in net income.                                                       

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 as either (i) a hedge of the estimated fair value of a recognized     
asset or liability ("fair value hedge"); (ii) 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 ("cash flow hedge"); or (iii) a hedge of a   
net investment in a foreign operation. In this 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 which 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 periodically 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 accounting for derivatives is complex and interpretations of the  
primary accounting guidance continue to evolve in practice. Judgment is applied 
in determining the availability and application of hedge accounting designations
and the appropriate accounting treatment under such accounting guidance. If it  
was determined that hedge accounting designations were not appropriately        
applied, reported net income could be materially affected.                      

Under a fair value hedge, changes in the estimated fair value of the  
hedging derivative, including amounts measured as ineffectiveness, and changes  
in the estimated fair value of the hedged item related to the designated risk   
being hedged, are reported within net derivative gains (losses). The estimated  
fair values of the hedging derivatives are exclusive of any accruals that are   
separately reported in the consolidated statement of operations within interest 
income or interest expense to match the location of the hedged item. However,   
accruals that are not scheduled to settle until maturity are included in the    
estimated fair value of derivatives in the consolidated balance sheets.         

     Under a cash flow hedge, changes in the estimated fair value of the hedging
derivative measured as effective are reported within other comprehensive income 
(loss), a separate component of stockholder's equity and the deferred gains or  
losses on the derivative are reclassified into the consolidated statement of    
operations when the Company's earnings are affected by the variability in cash  
flows of the hedged item. Changes in the estimated fair value of the hedging    
instrument measured as ineffectiveness are reported within net derivative gains 
(losses). The estimated fair values of the hedging derivatives are exclusive of 
any accruals that are separately reported in the consolidated statement of      
operations within interest income or interest expense to match the location of  
the hedged item. However, accruals that are not scheduled to settle until       
maturity are included in the estimated fair value of derivatives in the         
consolidated balance sheets.                                                    

In a hedge of a net investment in a foreign operation, changes in the 
estimated fair value of the hedging derivative that are measured as effective   
are reported within other comprehensive income (loss) consistent with the       
translation adjustment for the hedged net investment in the foreign operation.  
Changes in the estimated fair value of the hedging instrument measured as       
ineffectiveness are reported within net derivative gains (losses).              

 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 consolidated balance sheets at its estimated fair value, with changes in    
estimated fair value recognized currently in net derivative gains (losses). The 
carrying value of the hedged recognized asset or liability under a fair value   

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 other comprehensive income (loss) related 
to discontinued cash flow hedges are released into the consolidated 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 consolidated 
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 other comprehensive income (loss) 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 consolidated balance   
sheets, with changes in its estimated fair value recognized in the current      
period as net derivative gains (losses).                                        

 The Company is also a party to financial instruments that contain terms
which are deemed to be embedded derivatives. The Company assesses each          
identified embedded derivative to determine whether it is required to be        
bifurcated. If the instrument would not be accounted for in its entirety at     
estimated fair value and it is determined that the terms of the embedded        
derivative are not clearly and closely related to the economic characteristics  
of the host contract, and that a separate instrument with the same terms would  
qualify as a derivative instrument, the embedded derivative is bifurcated from  
the host contract and accounted for as a freestanding derivative. Such embedded 
derivatives are carried in the consolidated 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.             

Cash and Cash Equivalents                                                   

The Company considers all highly liquid investments purchased with an 
original or remaining maturity of three months or less at the date of purchase  
to be cash equivalents. Cash equivalents are stated at amortized cost, which    
approximates estimated fair value.                                              

Property, Equipment, Leasehold Improvements and Computer Software           

     Property, equipment and leasehold improvements, which are included in other
assets, are stated at cost, less accumulated depreciation and amortization.     
Depreciation is determined using the straight-line method over the estimated    
useful lives of the assets, as appropriate. The estimated life for company      
occupied real estate property is generally 40 years. Estimated lives generally  
range from five to ten years for leasehold improvements and three to seven years
for all other property and equipment. The cost basis of the property, equipment 
and leasehold improvements was $1.6 billion and $1.5 billion at December 31,    
2010 and 2009, respectively. Accumulated depreciation and amortization of       
property, equipment and leasehold improvements was $898 million and $804 million
at December 31, 2010 and 2009, respectively. Related depreciation and           
amortization expense was $111 million for each of the years ended December 31,  
2010, 2009 and 2008.                                                            

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  Computer software, which is included in other assets, is stated at cost,
less accumulated amortization. Purchased software costs, as well as certain     
internal and external costs incurred to develop internal-use computer software  
during the application development stage, are capitalized. Such costs are       
amortized generally over a four-year period using the straight-line method. The 
cost basis of computer software was $1.5 billion and $1.3 billion at December   
31, 2010 and 2009, respectively. Accumulated amortization of capitalized        
software was $1,106 million and $983 million at December 31, 2010 and 2009,     
respectively. Related amortization expense was $132 million, $125 million and   
$117 million for the years ended December 31, 2010, 2009 and 2008, respectively.

Deferred Policy Acquisition Costs ("DAC") and Value of Business Acquired    
("VOBA")                                                                    

   The Company incurs significant costs in connection with acquiring new and
renewal insurance business. Costs that vary with and relate to the production of
new business are deferred as DAC. Such costs consist principally of commissions 
and agency and policy issuance expenses. VOBA is an intangible asset 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          
actuarially determined 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. The recovery of DAC and VOBA is dependent upon 
the future profitability of the related business. DAC and VOBA are aggregated in
the consolidated financial statements for reporting purposes.                   

   DAC and VOBA on life insurance or investment-type contracts are amortized
in proportion to gross premiums, gross margins or gross profits, depending on   
the type of contract as described below.                                        

  The Company amortizes DAC and VOBA related to non-participating and non-
dividend-paying traditional contracts (term insurance, non-participating whole  
life insurance, non-medical health insurance and traditional group life         
insurance) over the entire premium paying period in proportion to the present   
value of actual historic and expected future gross premiums. The present value  
of expected premiums is based upon the premium requirement of each policy and   
assumptions for mortality, morbidity, persistency and investment returns at     
policy issuance, or policy acquisition (as it relates to VOBA), that 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.                                  

The Company amortizes DAC and VOBA related to participating, dividend-
paying traditional contracts over the estimated lives of the contracts in       
proportion to actual and expected future gross margins. The amortization        
includes interest based on rates in effect at inception or acquisition of the   
contracts. The future gross margins are dependent principally on investment     
returns, policyholder dividend scales, mortality, persistency, expenses to      
administer the business, creditworthiness of reinsurance counterparties and     
certain economic variables, such as inflation. For participating contracts      
within the closed block (dividend paying traditional contracts) future gross    
margins are also dependent upon changes in the policyholder dividend obligation.
Of these factors, the Company anticipates that investment returns, expenses,    
persistency and other factor changes as well as policyholder dividend scales are
reasonably likely to impact significantly the rate of DAC and VOBA amortization.
Each reporting period, the Company updates the estimated gross margins with the 
actual gross margins for that period. When the actual gross margins change from 
previously estimated gross margins, the cumulative DAC and VOBA amortization is 
re-estimated and adjusted by a cumulative charge or credit to current           
operations. When actual gross margins exceed those previously estimated, the DAC
and VOBA amortization will increase, resulting in a current period charge to    
earnings. The opposite result occurs when the actual gross margins are below the
previously estimated gross margins. Each reporting period, the Company also     
updates the actual amount of business in-force, which impacts                   

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

expected future gross margins. When expected future gross margins are below     
those previously estimated, the DAC and VOBA amortization will increase,        
resulting in a current period charge to earnings. The opposite result occurs    
when the expected future gross margins are above the previously estimated       
expected future gross margins. Each period, the Company also reviews the        
estimated gross margins for each block of business to determine the             
recoverability of DAC and VOBA balances.                                        

    The Company amortizes DAC and VOBA related to fixed and variable universal
life contracts and fixed and variable deferred annuity 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.                                        

   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 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 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                                                 

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

VOBA amortization on the original contract will continue and any acquisition    
costs associated with the related modification are expensed.                    

Sales Inducements                                                           

  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 potentially   
significant recoverability issue exists, the Company reviews the deferred sales 
inducements to determine the recoverability of these balances.                  

Value of Distribution Agreements and Customer Relationships Acquired        

   Value of distribution agreements ("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. 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 acquisitions 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 potentially significant recoverability issue exists, the Company     
reviews VODA and VOCRA to determine the recoverability of these balances.       

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.                                           

 For purposes of goodwill impairment testing, if the carrying value of a
reporting unit exceeds its estimated fair value, there might 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 acquisition. 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 tests, the estimated fair
values of the reporting units are first determined using a market multiple      
approach. When further corroboration is required, the Company uses a discounted 
cash flow approach. For reporting units which are particularly sensitive to     
market assumptions, such as                                                     

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

the retirement products and individual life reporting units, the Company may use
additional valuation methodologies to estimate the reporting units' fair values.

The key inputs, judgments and assumptions necessary in determining    
estimated fair value of the reporting units include projected earnings, current 
book value, the level of economic capital required to support the mix of        
business, long-term growth rates, comparative market multiples, 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 Company applies significant judgment when determining the estimated
fair value of the Company's reporting units. 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 adversely affect   
the Company's results of operations or financial position.                      

  During the 2010 impairment tests of goodwill, the Company concluded that
the fair values of all reporting units were in excess of their carrying values  
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 units to assess whether any goodwill impairment      
exists. Deteriorating or adverse market conditions for certain reporting units  
may have an impact on the estimated fair value of these reporting units and     
could result in future impairments of goodwill.                                 

    See Note 7 for further consideration of goodwill impairment testing during
2010.                                                                           

Liability for Future Policy Benefits and Policyholder Account Balances      

 The Company establishes liabilities for amounts payable under insurance
policies, including traditional life insurance, traditional annuities and non-  
medical health insurance. 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.                                                                          

     Future policy benefit liabilities for participating life insurance policies
are equal to the aggregate of (i) net level premium reserves for death and      
endowment policy benefits (calculated based upon the non-forfeiture interest    
rate, ranging from 3% to 7%, and mortality rates guaranteed in calculating the  
cash surrender values described in such contracts); and (ii) the liability for  
terminal dividends.                                                             

   Participating business represented approximately 6% of the Company's life
insurance in-force at both December 31, 2010 and 2009. Participating policies   
represented approximately 32%, 33% and 32% of gross life insurance premiums for 
the years ended December 31, 2010, 2009 and 2008, respectively.                 

Future policy benefit liabilities for non-participating life insurance
policies are equal to the 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 10%.                                                                      

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Future policy benefit liabilities for individual and group traditional
fixed annuities after annuitization are equal to the present value of expected  
future payments. Interest rate assumptions used in establishing such liabilities
range from 2% to 11%.                                                           

Future policy benefit liabilities for non-medical health insurance are
calculated using 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 5% to 7%.                                                                  

  Future policy benefit liabilities for disabled lives are estimated using
the 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 8%.                              

 Liabilities for unpaid claims and claim expenses are included in future
policyholder benefits and represent the amount estimated for claims that have   
been reported but not settled and claims incurred but not reported. Liabilities 
for unpaid claims are estimated based upon the Company's historical experience  
and other actuarial assumptions that consider the effects of current            
developments, anticipated trends and risk management programs. The effects of   
changes in such estimated liabilities are included in the results of operations 
in the period in which the changes occur.                                       

     The Company establishes future policy benefit liabilities for minimum death
and income benefit guarantees relating to certain annuity contracts and         
secondary and paid-up guarantees relating to certain life policies as follows:  

   - Guaranteed minimum death benefit ("GMDB") liabilities are determined by
estimating the expected value of death benefits in excess of the  
   projected account balance and recognizing the excess ratably over the
  accumulation period based on total expected assessments. The Company
     regularly evaluates estimates used and adjusts the additional liability
    balance, with a related charge or credit to benefit expense, if actual
      experience or other evidence suggests that earlier assumptions should be
  revised. The assumptions used in estimating the GMDB liabilities are
    consistent with those used for amortizing DAC, and are thus subject to
      the same variability and risk. The assumptions of investment performance
 and volatility are consistent with the historical experience of the
appropriate underlying equity index, such as the Standard & Poor's
("S&P") 500 Index. The benefit assumptions used in calculating the
   liabilities are based on the average benefits payable over a range of
scenarios.                                                        

    - Guaranteed minimum income benefit ("GMIB") liabilities are determined by
   estimating the expected value of the income benefits in excess of the
projected account balance at any future date of annuitization and 
  recognizing the excess ratably over the accumulation period based on
   total expected assessments. The Company regularly evaluates estimates
      used and adjusts the additional liability balance, with a related charge
  or credit to benefit expense, if actual experience or other evidence
       suggests that earlier assumptions should be revised. The assumptions used
    for estimating the GMIB liabilities are consistent with those used for
estimating the GMDB liabilities. In addition, the calculation of  
     guaranteed annuitization benefit liabilities incorporates an assumption
       for the percentage of the potential annuitizations that may be elected by
       the contractholder. Certain GMIBs have settlement features that result in
       a portion of that guarantee being accounted for as an embedded derivative
   and are recorded in policyholder account balances as described below.

    Liabilities for universal and variable life secondary guarantees and paid-
up guarantees are determined by estimating the expected value of death benefits 
payable when the account balance is projected to be zero and recognizing those  
benefits ratably over the accumulation period based on total expected           
assessments. The Company regularly evaluates estimates used and adjusts the     
additional liability balances, with a related charge or credit to benefit       
expense, if actual experience or other evidence suggests that earlier           
assumptions should be revised. The assumptions used in estimating the secondary 
and paid-up guarantee liabilities are consistent with those used for            

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

amortizing DAC, and are thus subject to the same variability and risk. The      
assumptions of investment performance and volatility for variable products are  
consistent with historical S&P experience. The benefits used in calculating the 
liabilities are based on the average benefits payable over a range of scenarios.

The Company establishes policyholder account balances for guaranteed  
minimum benefits relating to certain variable annuity products as follows:      

- Guaranteed minimum withdrawal benefits ("GMWB") guarantee the       
contractholder a return of their purchase payment via partial     
      withdrawals, even if the account value is reduced to zero, provided that
   the contractholder's cumulative withdrawals in a contract year do not
       exceed a certain limit. The initial guaranteed withdrawal amount is equal
    to the initial benefit base as defined in the contract (typically, the
      initial purchase payments plus applicable bonus amounts). The GMWB is an
       embedded derivative, which is measured at estimated fair value separately
from the host variable annuity product.                           

     - Guaranteed minimum accumulation benefits ("GMAB") and settlement features
 in certain GMIB described above provide the contractholder, after a
specified period of time determined at the time of issuance of the
      variable annuity contract, with a minimum accumulation of their purchase
payments even if the account value is reduced to zero. The initial
    guaranteed accumulation amount is equal to the initial benefit base as
    defined in the contract (typically, the initial purchase payments plus
     applicable bonus amounts). The GMAB is an embedded derivative, which is
measured at estimated fair value separately from the host variable
annuity product.                                                  

   For GMWB, GMAB and certain GMIB, the initial benefit base is increased by
additional purchase payments made within a certain time period and decreases by 
benefits paid and/or withdrawal amounts. After a specified period of time, the  
benefit base may also increase as a result of an optional reset as defined in   
the contract.                                                                   

    GMWB, GMAB and certain GMIB are accounted for as embedded derivatives with
changes in estimated fair value reported in net derivative gains (losses).      

At inception of the GMWB, GMAB and certain GMIB contracts, 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.

     The estimated fair values of these embedded derivatives are then determined
based on the present value of projected future benefits minus the present value 
of projected future fees. The projections of future benefits and future fees    
require capital market and actuarial assumptions including expectations         
concerning policyholder behavior. A risk neutral valuation methodology is used  
under which the cash flows from the guarantees are projected under multiple     
capital market scenarios using observable risk free rates. The valuation of     
these embedded derivatives also includes an adjustment for the Company's        
nonperformance risk and risk margins for non-capital market inputs. The         
nonperformance adjustment is determined by taking into consideration publicly   
available information relating to spreads in the secondary market for MetLife,  
Inc.'s debt, including related credit default swaps. These observable spreads   
are then adjusted, as necessary, to reflect the priority of these liabilities   
and the claims paying ability of the issuing insurance subsidiaries compared to 
MetLife, Inc. Risk margins are established to capture the non-capital market    
risks of the instrument which represent the additional compensation a market    
participant would require to assume the risks related to the uncertainties of   
such actuarial assumptions as annuitization, premium persistency, partial       
withdrawal and surrenders. The establishment of risk margins requires the use of
significant management judgment.                                                

These guaranteed minimum benefits 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, variations in  
actuarial assumptions regarding                                                 

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 periodically reviews its estimates of actuarial liabilities for
future policy benefits and compares them with its actual experience. Differences
between actual experience and the assumptions used in pricing these policies and
guarantees, and in the establishment of the related liabilities result in       
variances in profit and could result in losses. The effects of changes in such  
estimated liabilities are included in the results of operations in the period in
which the changes occur.                                                        

Policyholder account balances relate to investment-type contracts,    
universal life-type policies and certain guaranteed minimum benefits.           
Investment-type contracts principally include traditional individual fixed      
annuities in the accumulation phase and non-variable group annuity contracts.   
Policyholder account balances for these contracts are equal to: (i) policy      
account values, which consist of an accumulation of gross premium payments; (ii)
credited interest, ranging from 1% to 17%, less expenses, mortality charges and 
withdrawals; and (iii) fair value adjustments relating to business combinations.

Other Policy-Related Balances                                               

    Other policy-related balances include policy and contract claims, unearned
revenue liabilities, premiums received in advance, policyholder dividends due   
and unpaid and policyholder dividends left on deposit.                          

    The liability for policy and contract claims generally relates to incurred
but not reported death, disability, long-term care and dental claims, as well as
claims which have been reported but not yet settled. The liability for these    
claims is based on the Company's estimated ultimate cost of settling all claims.
The Company derives estimates for the development of incurred but not reported  
claims principally from actuarial analyses of historical patterns of claims and 
claims development for each line of business. 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 and margins, similar to   
DAC. Such amortization is recorded in universal life and investment-type product
policy fees.                                                                    

     The Company accounts for the prepayment of premiums on its individual life,
group life and health contracts as premium received in advance and applies the  
cash received to premiums when due.                                             

   Also included in other policy-related balances are policyholder dividends
due and unpaid on participating policies and policyholder dividends left on     
deposit. Such liabilities are presented at amounts contractually due to         
policyholders.                                                                  

Recognition of Insurance Revenue and Related Benefits                       

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 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 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.               

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  Deposits related to universal life-type and investment-type products are
credited to policyholder account balances. Revenues from such contracts consist 
of amounts assessed against policyholder account balances 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 operations include interest credited and  
benefit claims incurred in excess of related policyholder account balances.     

     Premiums, policy fees, policyholder benefits and expenses are presented net
of reinsurance.                                                                 

    The portion of fees allocated to embedded derivatives described previously
is recognized within net derivative gains (losses) as part of the estimated fair
value of embedded derivatives.                                                  

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. Other revenues also include changes in account value relating to 
corporate-owned life insurance ("COLI"). Under certain COLI contracts, if the   
Company reports certain unlikely adverse results in its consolidated financial  
statements, withdrawals would not be immediately available and would be subject 
to market value adjustment, which could result in a reduction of the account    
value.                                                                          

Policyholder Dividends                                                      

     Policyholder dividends are approved annually by Metropolitan Life Insurance
Company and its insurance subsidiaries' boards of directors. The aggregate      
amount of policyholder dividends is related to actual interest, mortality,      
morbidity and expense experience for the year, as well as management's judgment 
as to the appropriate level of statutory surplus to be retained by Metropolitan 
Life Insurance Company and its insurance subsidiaries.                          

Income Taxes                                                                

    The Company joins with MetLife, Inc. and its includable life insurance and
non-life insurance subsidiaries in filing a consolidated U.S. federal income tax
return in accordance with the provisions of the Internal Revenue Code of 1986,  
as amended (the "Code"). The Company participates in a tax sharing agreement    
with MetLife, Inc. Under the agreement, current income tax expense (benefit) is 
computed on a separate return basis and provides that members shall make        
payments (receive reimbursement) to (from) MetLife, Inc. to the extent that     
their incomes (losses and other credits) contribute to (reduce) the consolidated
income tax expense. The consolidating companies are reimbursed for net operating
losses or other tax attributes they have generated when utilized in the         
consolidated return.                                                            

The Company's accounting for income taxes represents management's best
estimate of various events and transactions.                                    

  Deferred tax assets and liabilities resulting from temporary differences
between the financial reporting and tax bases of assets and liabilities are     
measured at the balance sheet date using enacted tax rates expected to apply to 
taxable income in the years the temporary differences are expected to reverse.  

The realization of deferred tax assets depends upon the existence of  
sufficient taxable income within the carryback or carryforward periods under the
tax law in the applicable tax jurisdiction. Valuation allowances are established
when management determines, based on available information, that it is more     
likely than not that deferred income tax assets will not be realized.           
Significant judgment is required in determining whether valuation allowances    
should be established, as well as the amount of such allowances. When making    
such determination, consideration is given to, among other things, the          
following:                                                                      

    (i) future taxable income exclusive of reversing temporary differences and
carryforwards;                                                

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

(ii) future reversals of existing taxable temporary differences;      

(iii) taxable income in prior carryback years; and                    

(iv) tax planning strategies.                                         

 The Company may be required to change its provision for income taxes in
certain circumstances. Examples of such circumstances include when the ultimate 
deductibility of certain items is challenged by taxing authorities (see Note 12 
) or 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 consolidated 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 percent 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.                              

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 third parties.                

    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. The Company  
reviews all contractual features, particularly those that may limit the amount  
of insurance risk to which the reinsurer is subject or features that delay the  
timely reimbursement of claims.                                                 

     For reinsurance of existing in-force blocks of long-duration contracts that
transfer significant insurance risk, the difference, if any, between the amounts
paid (received), and the liabilities ceded (assumed) related to the underlying  
contracts is considered the net cost of reinsurance at the inception of the     
reinsurance agreement. The net cost of reinsurance is recorded as an adjustment 
to DAC and recognized as a component of other expenses on a basis consistent    
with the way the acquisition costs on the underlying reinsured contracts would  
be recognized. 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.                                                    

For prospective reinsurance of short-duration contracts that meet the 
criteria for reinsurance accounting, amounts paid (received) are recorded as    
ceded (assumed) premiums and ceded (assumed) unearned premiums and are reflected
as a component of premiums, reinsurance and other receivables (future policy    
benefits). Such amounts are amortized through earned premiums over the remaining
contract period in proportion to the amount of protection provided. For         
retroactive reinsurance of short-duration contracts that meet the criteria of   
reinsurance accounting, amounts paid (received) in excess of (which do not      
exceed) the related insurance liabilities ceded (assumed) are recognized        
immediately as a loss. Any gains on such retroactive agreements are deferred and
recorded in other liabilities. The gains are amortized primarily using the      
recovery method.                                                                

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The assumptions used to account for both long and short-duration      
reinsurance agreements are consistent with those used for the underlying        
contracts. Ceded policyholder and contract related liabilities, other than those
currently due, are reported gross on the balance sheet.                         

    Amounts currently recoverable under reinsurance agreements are included in
premiums, reinsurance and other receivables and amounts currently payable are   
included in other liabilities. Such 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 balances recoverable could     
become uncollectible. In such instances, reinsurance recoverable balances are   
stated net of allowances for uncollectible reinsurance.                         

     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.       

    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.    

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.              

Cessions under reinsurance arrangements do not discharge the Company's
obligations as the primary insurer.                                             

Employee Benefit Plans                                                      

  The Company sponsors and administers various qualified and non-qualified
defined benefit pension plans and other postretirement employee benefit plans   
covering eligible employees and sales representatives who meet specified        
eligibility requirements of the sponsor and its participating affiliates. A     
December 31 measurement date is used for all of the Company's defined benefit   
pension and other postretirement benefit plans.                                 

 Pension benefits are provided utilizing either a traditional formula or
cash balance formula. The traditional formula provides benefits based upon years
of credited service and either final average or career average earnings. The    
cash balance formula utilizes hypothetical or notional accounts which credit    
participants with benefits equal to a percentage of eligible pay, as well as    
earnings credits, determined annually based upon the average annual rate of     
interest on 30-year Treasury securities, for each account balance.              

The Company also provides certain postemployment benefits and certain 
postretirement medical and life insurance benefits for retired participants.    
Participants that were hired prior to 2003 (or, in certain cases, rehired during
or after 2003) and meet age and service criteria while working for the Company, 
may become eligible for these other postretirement benefits, at various levels, 
in accordance with the applicable plans. Virtually all retirees, or their       
beneficiaries, contribute a portion of the total cost of postretirement medical 
benefits. Participants hired after 2003 are not eligible for any employer       
subsidy for postretirement medical benefits.                                    

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The projected pension benefit obligation ("PBO") is defined as the    
actuarially calculated present value of vested and non-vested pension benefits  
accrued based on future salary levels. The accumulated pension benefit          
obligation ("ABO") is the actuarial present value of vested and non-vested      
pension benefits accrued based on current salary levels. Obligations, both PBO  
and ABO, of the defined benefit pension plans are determined using a variety of 
actuarial assumptions, from which actual results may vary, as described below.  

The expected postretirement plan benefit obligations represent the    
actuarial present value of all other postretirement benefits expected to be paid
after retirement to employees and their dependents and is used in measuring the 
periodic postretirement benefit expense. The accumulated postretirement plan    
benefit obligations ("APBO") represent the actuarial present value of future    
other postretirement benefits attributed to employee services rendered through a
particular date and is the valuation basis upon which liabilities are           
established. The APBO is determined using a variety of actuarial assumptions,   
from which actual results may vary, as described below.                         

   The Company recognizes the funded status of the PBO for pension plans and
the APBO for other postretirement plans for each of its plans in the            
consolidated balance sheets. The actuarial gains or losses, prior service costs 
and credits and the remaining net transition asset or obligation that had not   
yet been included in net periodic benefit costs are charged, net of income tax, 
to accumulated other comprehensive income (loss).                               

Net periodic benefit cost is determined using management estimates and
actuarial assumptions to derive service cost, interest cost, and expected return
on plan assets for a particular year. Net periodic benefit cost also includes   
the applicable amortization of any prior service cost (credit) arising from the 
increase (decrease) in prior years' benefit costs due to plan amendments or     
initiation of new plans. These costs are amortized into net periodic benefit    
cost over the expected service years of employees whose benefits are affected by
such plan amendments. Actual experience related to plan assets and/or the       
benefit obligations may differ from that originally assumed when determining net
periodic benefit cost for a particular period, resulting in gains or losses. To 
the extent such aggregate gains or losses exceed 10 percent of the greater of   
the benefit obligations or the market-related asset value of the plans, they are
amortized into net periodic benefit cost over the expected service years of     
employees expected to receive benefits under the plans.                         

The obligations and expenses associated with these plans require an   
extensive use of assumptions such as the discount rate, expected rate of return 
on plan assets, rate of future compensation increases, healthcare cost trend    
rates, as well as assumptions regarding participant demographics such as rate   
and age of retirements, withdrawal rates and mortality. Management, in          
consultation with its external consulting actuarial firms, determines these     
assumptions based upon a variety of factors such as historical performance of   
the plan and its assets, currently available market and industry data and       
expected benefit payout streams. The assumptions used may differ materially from
actual results due to, among other factors, changing market and economic        
conditions and changes in participant demographics. These differences may have a
significant effect on the Company's consolidated financial statements and       
liquidity.                                                                      

     The Company also sponsors defined contribution savings and investment plans
("SIP") for substantially all employees under which a portion of participant    
contributions is matched. Applicable matching contributions are made each       
payroll period. Accordingly, the Company recognizes compensation cost for       
current matching contributions. As all contributions are transferred currently  
as earned to the SIP trust, no liability for matching contributions is          
recognized in the consolidated balance sheets.                                  

Stock-Based Compensation                                                    

   Stock-based compensation recognized in the Company's consolidated results
of operations is allocated from MetLife, Inc. The accounting policies described 
below represent those that MetLife, Inc. applies in determining such allocated  
expenses.                                                                       

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

    As more fully described in Note 15, MetLife, Inc. grants certain employees
and directors stock-based compensation awards under various plans that are      
subject to specific vesting conditions. The cost of all stock-based transactions
is measured at fair value at grant date and recognized over the period during   
which a grantee is required to provide goods or services in exchange for the    
award. Although the terms of MetLife, Inc.'s stock-based plans do not accelerate
vesting upon retirement, or the attainment of retirement eligibility, the       
requisite service period subsequent to attaining such eligibility is considered 
nonsubstantive. Accordingly, MetLife, Inc. recognizes compensation expense      
related to stock-based awards over the shorter of the requisite service period  
or the period to attainment of retirement eligibility. An estimation of future  
forfeitures of stock-based awards is incorporated into the determination of     
compensation expense when recognizing expense over the requisite service period.

Foreign Currency                                                            

    Assets, liabilities and operations of foreign affiliates and subsidiaries,
if any, 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, if any, 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 rates of exchange prevailing during the  
year. The resulting translation adjustments are charged or credited directly to 
other comprehensive income or loss, 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.                                                                          

Discontinued Operations                                                     

 The results of operations of a component of the Company that either has
been disposed of or is classified as held-for-sale are reported in discontinued 
operations if the operations and cash flows of the component have been or will  
be eliminated from the ongoing operations of the Company as a result of the     
disposal transaction and the Company will not have any significant continuing   
involvement in the operations of the component after the disposal transaction.  

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. 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 consolidated financial           
statements. It is possible that an adverse outcome in certain of the Company's  
litigation and regulatory investigations, or the use of different assumptions in
the determination of amounts recorded, could have a material effect upon the    
Company's consolidated net income or cash flows in particular quarterly or      
annual periods.                                                                 

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.
Assets within the Company's separate accounts primarily include: mutual funds,  
fixed maturity and equity securities, mortgage loans, derivatives, hedge funds, 
other limited partnership interests, short-term investments and cash and cash   

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

equivalents. The Company reports separately, as assets and liabilities,         
investments held in separate accounts and liabilities of the separate accounts  
if (i) such separate accounts are legally recognized; (ii) assets supporting the
contract liabilities are legally insulated from the Company's general account   
liabilities; (iii) investments are directed by the contractholder; and (iv) all 
investment performance, net of contract fees and assessments, is passed through 
to the contractholder. The Company reports separate account assets meeting such 
criteria at their fair value which is based on the estimated fair values of the 
underlying assets comprising the portfolios of an individual separate account.  
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 consolidated statements of operations. Separate accounts credited   
with a contractual investment return are combined on a line-by-line basis with  
the Company's general account assets, liabilities, revenues and expenses and the
accounting for these investments is consistent with the methodologies described 
herein for similar financial instruments held within the general account.       

The Company's revenues reflect fees charged to the separate accounts, 
including mortality charges, risk charges, policy administration fees,          
investment management fees and surrender charges.                               

ADOPTION OF NEW ACCOUNTING PRONOUNCEMENTS                                   

Financial Instruments                                                       

 Effective December 31, 2010, the Company adopted new guidance regarding
disclosures about the credit quality of financing receivables and valuation     
allowances for credit losses, including credit quality indicators. Such         
disclosures must be disaggregated by portfolio segment or class based on how a  
company develops its valuation allowances for credit losses and how it manages  
its credit exposure. The Company has provided all material required disclosures 
in its consolidated financial statements. Certain additional disclosures will be
required for reporting periods ending March 31, 2011 and certain disclosures    
relating to troubled debt restructurings have been deferred indefinitely.       

Effective July 1, 2010, the Company adopted new guidance regarding    
accounting for embedded credit derivatives within structured securities. This   
guidance clarifies the type of embedded credit derivative that is exempt from   
embedded derivative bifurcation requirements. Specifically, embedded credit     
derivatives resulting only from subordination of one financial instrument to    
another continue to qualify for the scope exception. Embedded credit derivative 
features other than subordination must be analyzed to determine whether they    
require bifurcation and separate accounting.                                    

   As a result of the adoption of this guidance, the Company elected FVO for
certain structured securities that were previously accounted for as fixed       
maturity securities. Upon adoption, the Company reclassified $50 million of     
securities from fixed maturity securities to trading and other securities. These
securities had cumulative unrealized losses of $10 million, net of income tax,  
which was recognized as a cumulative effect adjustment to decrease retained     
earnings with a corresponding increase to accumulated other comprehensive income
(loss) as of July 1, 2010.                                                      

Effective January 1, 2010, the Company adopted new guidance related to
financial instrument transfers and consolidation of VIEs. The financial         
instrument transfer guidance eliminates the concept of a QSPE, eliminates the   
guaranteed mortgage securitization exception, changes the criteria for achieving
sale accounting when transferring a financial asset and changes the initial     
recognition of retained beneficial interests. The new consolidation guidance    
changes the definition of the primary beneficiary, as well as the method of     
determining whether an entity is a primary beneficiary of a VIE from a          
quantitative model to a qualitative model. Under the new qualitative model, the 
entity that has both the ability to direct the most significant activities of   
the VIE and the obligation to absorb losses or receive benefits that could be   
significant to the VIE is considered to be the primary beneficiary of the VIE.  
The                                                                             

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

guidance requires a quarterly reassessment, as well as enhanced disclosures,    
including the effects of a company's involvement with VIEs on its financial     
statements.                                                                     

As a result of the adoption of this guidance, the Company consolidated
certain former QSPEs that were previously accounted for as equity security      
collateralized debt obligations. The Company also elected the FVO for all of the
consolidated assets and liabilities of these entities. Upon consolidation, the  
Company recorded $278 million of securities classified as trading and other     
securities and $232 million of long-term debt based on estimated fair values at 
January 1, 2010 and de-recognized less than $1 million in equity securities. The
consolidation also resulted in an increase in retained earnings of $30 million, 
net of income tax, at January 1, 2010. For the year ended December 31, 2010, the
Company recorded $15 million of net investment income on the consolidated       
assets, $15 million of interest expense in other expenses on the related long-  
term debt and ($30) million in net investment gains (losses) to remeasure the   
assets and liabilities at their estimated fair values.                          

     In addition, the Company also deconsolidated certain partnerships for which
the Company does not have the power to direct activities and for which the      
Company has concluded it is no longer the primary beneficiary. These            
deconsolidations did not result in a cumulative effect adjustment to retained   
earnings and did not have a material impact on the Company's consolidated       
financial statements.                                                           

Also effective January 1, 2010, the Company adopted new guidance that 
indefinitely defers the above changes relating to the Company's interests in    
entities that have all the attributes of an investment company or for which it  
is industry practice to apply measurement principles for financial reporting    
that are consistent with those applied by an investment company. As a result of 
the deferral, the above guidance did not apply to certain real estate joint     
ventures and other limited partnership interests held by the Company.           

    As more fully described in "Summary of Significant Accounting Policies and
Critical Accounting Estimates," effective April 1, 2009, the Company adopted    
OTTI guidance. This guidance amends the previously used methodology for         
determining whether an OTTI exists for fixed maturity securities, changes the   
presentation of OTTI for fixed maturity securities and requires additional      
disclosures for OTTI on fixed maturity and equity securities in interim and     
annual financial statements.                                                    

The Company's net cumulative effect adjustment of adopting the OTTI   
guidance was an increase of $36 million to retained earnings with a             
corresponding increase to accumulated other comprehensive loss to reclassify the
noncredit loss portion of previously recognized OTTI losses on fixed maturity   
securities held at April 1, 2009. This cumulative effect adjustment was         
comprised of an increase in the amortized cost basis of fixed maturity          
securities of $59 million, net of policyholder related amounts of $4 million and
net of deferred income taxes of $19 million, resulting in the net cumulative    
effect adjustment of $36 million. The increase in the amortized cost basis of   
fixed maturity securities of $59 million by sector was as follows: $25          
million -- ABS, $25 million -- RMBS and $9 million -- U.S. corporate securities.

 As a result of the adoption of the OTTI guidance, the Company's pre-tax
earnings for the year ended December 31, 2009 increased by $566 million, offset 
by an increase in other comprehensive loss representing OTTI relating to        
noncredit losses recognized during the year ended December 31, 2009.            

Effective January 1, 2009, the Company adopted guidance on disclosures
about derivative instruments and hedging. This guidance requires enhanced       
qualitative disclosures about objectives and strategies for using derivatives,  
quantitative disclosures about fair value amounts of and gains and losses on    
derivative instruments and disclosures about credit risk-related contingent     
features in derivative agreements. The Company has provided all of the material 
disclosures in its consolidated financial statements.                           

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The following pronouncements relating to financial instruments had no 
material impact on the Company's consolidated financial statements:             

     - Effective January 1, 2009, the Company adopted prospectively an update on
   accounting for transfers of financial assets and repurchase financing
   transactions. This update provides guidance for evaluating whether to
       account for a transfer of a financial asset and repurchase financing as a
single transaction or as two separate transactions.               

- Effective December 31, 2008, the Company adopted guidance on the    
   recognition of interest income and impairment on purchased beneficial
interests and beneficial interests that continue to be held by a  
transferor in securitized financial assets. This new guidance more
    closely aligns the determination of whether an OTTI has occurred for a
    beneficial interest in a securitized financial asset with the original
     guidance for fixed maturity securities classified as available-for-sale
or held-to-maturity.                                              

- Effective January 1, 2008, the Company adopted guidance relating to 
application of the shortcut method of accounting for derivative   
     instruments and hedging activities. This guidance permits interest rate
swaps to have a non-zero fair value at inception when applying the
shortcut method of assessing hedge effectiveness as long as the   
      difference between the transaction price (zero) and the fair value (exit
price), as defined by current accounting guidance on fair value   
    measurements, is solely attributable to a bid-ask spread. In addition,
       entities are not precluded from applying the shortcut method of assessing
 hedge effectiveness in a hedging relationship of interest rate risk
      involving an interest bearing asset or liability in situations where the
    hedged item is not recognized for accounting purposes until settlement
      date as long as the period between trade date and settlement date of the
     hedged item is consistent with generally established conventions in the
marketplace.                                                      

  - Effective January 1, 2008, the Company adopted guidance that permits a
       reporting entity to offset fair value amounts recognized for the right to
     reclaim cash collateral (a receivable) or the obligation to return cash
collateral (a payable) against fair value amounts recognized for  
       derivative instruments executed with the same counterparty under the same
  master netting arrangement that have been offset. This guidance also
includes certain terminology modifications. Upon adoption of this 
guidance, the Company did not change its accounting policy of not 
       offsetting fair value amounts recognized for derivative instruments under
master netting arrangements.                                      

Business Combinations and Noncontrolling Interests                          

     Effective January 1, 2009, the Company adopted revised guidance on business
combinations and accounting for noncontrolling interests in the consolidated    
financial statements. Under this guidance:                                      

    - All business combinations (whether full, partial or "step" acquisitions)
result in all assets and liabilities of an acquired business being
recorded at fair value, with limited exceptions.                  

     - Acquisition costs are generally expensed as incurred; restructuring costs
       associated with a business combination are generally expensed as incurred
subsequent to the acquisition date.                               

  - The fair value of the purchase price, including the issuance of equity
securities, is determined on the acquisition date.                

  - Assets acquired and liabilities assumed in a business combination that
       arise from contingencies are recognized at fair value if the acquisition-
    date fair value can be reasonably determined. If the fair value is not
     estimable, an asset or liability is recorded if existence or incurrence
at the acquisition date is probable and its amount is reasonably  
estimable.                                                        

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

    - Changes in deferred income tax asset valuation allowances and income tax
  uncertainties after the acquisition date generally affect income tax
expense.                                                          

 - Noncontrolling interests (formerly known as "minority interests") are
      valued at fair value at the acquisition date and are presented as equity
rather than liabilities.                                          

- Net income (loss) includes amounts attributable to noncontrolling   
interests.                                                        

- When control is attained on previously noncontrolling interests, the
      previously held equity interests are remeasured at fair value and a gain
or loss is recognized.                                            

    - Purchases or sales of equity interests that do not result in a change in
control are accounted for as equity transactions.                 

   - When control is lost in a partial disposition, realized gains or losses
are recorded on equity ownership sold and the remaining ownership 
interest is remeasured and holding gains or losses are recognized.

     The adoption of this guidance on a prospective basis did not have an impact
on the Company's consolidated financial statements. Financial statements and    
disclosures for periods prior to 2009 reflect the retrospective application of  
the accounting for noncontrolling interests as required under this guidance.    

  Effective January 1, 2009, the Company adopted prospectively guidance on
determination of the useful life of intangible assets. This guidance amends the 
factors that should be considered in developing renewal or extension assumptions
used to determine the useful life of a recognized intangible asset. This change 
is intended to improve the consistency between the useful life of a recognized  
intangible asset and the period of expected future cash flows used to measure   
the fair value of the asset. The Company determines useful lives and provides   
all of the material disclosures prospectively on intangible assets acquired on  
or after January 1, 2009 in accordance with this guidance.                      

Fair Value                                                                  

   Effective January 1, 2010, the Company adopted new guidance that requires
new disclosures about significant transfers into and/or out of Levels 1 and 2 of
the fair value hierarchy and activity in Level 3. In addition, this guidance    
provides clarification of existing disclosure requirements about level of       
disaggregation and inputs and valuation techniques. The adoption of this        
guidance did not have an impact on the Company's consolidated financial         
statements.                                                                     

Effective January 1, 2008, the Company adopted fair value measurements
guidance which defines fair value, establishes a consistent framework for       
measuring fair value, establishes a fair value hierarchy based on the           
observability of inputs used to measure fair value, and requires enhanced       
disclosures about fair value measurements and applied this guidance             
prospectively to assets and liabilities measured at fair value. The adoption of 
this guidance changed the valuation of certain freestanding derivatives by      
moving from a mid to bid pricing convention as it relates to certain volatility 
inputs, as well as the addition of liquidity adjustments and adjustments for    
risks inherent in a particular input or valuation technique. The adoption of    
this guidance also changed the valuation of the Company's embedded derivatives, 
most significantly the valuation of embedded derivatives associated with certain
guarantees on variable annuity contracts. The change in valuation of embedded   
derivatives associated with guarantees on annuity contracts resulted from the   
incorporation of risk margins associated with non-capital market inputs and the 
inclusion of the Company's nonperformance risk in their valuation. At January 1,
2008, the impact of adopting the guidance on assets and liabilities measured at 
estimated fair value was $13 million ($8 million, net of income tax) and was    
recognized as a change in estimate in the accompanying consolidated statement of
operations where it was presented in the respective statement of operations     
caption to which the item measured at estimated fair value is presented. There  
were no significant changes in estimated fair value of items measured at fair   
value and reflected in accumulated other comprehensive income (loss). The       
addition of risk margins and the Company's nonperformance risk adjustment in the
valuation of embedded derivatives associated with annuity contracts may         

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

result in significant volatility in the Company's consolidated net income in    
future periods. The Company provided all of the material disclosures in Note 5. 

    In February 2007, the Financial Accounting Standards Board ("FASB") issued
guidance related to the FVO for financial assets and financial liabilities. This
guidance permits entities the option to measure most financial instruments and  
certain other items at fair value at specified election dates and to recognize  
related unrealized gains and losses in earnings. The FVO is applied on an       
instrument-by-instrument basis upon adoption of the standard, upon the          
acquisition of an eligible financial asset, financial liability or firm         
commitment or when certain specified reconsideration events occur. The fair     
value election is an irrevocable election. Effective January 1, 2008, the       
Company did not elect the FVO for any instruments.                              

    The following pronouncements relating to fair value had no material impact
on the Company's consolidated financial statements:                             

  - Effective September 30, 2008, the Company adopted guidance relating to
       the fair value measurements of financial assets when the market for those
    assets is not active. It provides guidance on how a company's internal
 cash flow and discount rate assumptions should be considered in the
     measurement of fair value when relevant market data does not exist, how
    observable market information in an inactive market affects fair value
    measurement and how the use of market quotes should be considered when
      assessing the relevance of observable and unobservable data available to
measure fair value.                                               

- Effective January 1, 2009, the Company implemented fair value       
   measurements guidance for certain nonfinancial assets and liabilities
     that are recorded at fair value on a non-recurring basis. This guidance
applies to such items as: (i) nonfinancial assets and nonfinancial
  liabilities initially measured at estimated fair value in a business
       combination; (ii) reporting units measured at estimated fair value in the
  first step of a goodwill impairment test; and (iii) indefinite-lived
intangible assets measured at estimated fair value for impairment 
assessment.                                                       

    - Effective January 1, 2009, the Company adopted prospectively guidance on
      issuer's accounting for liabilities measured at fair value with a third-
party credit enhancement. This guidance states that an issuer of a
    liability with a third-party credit enhancement should not include the
   effect of the credit enhancement in the fair value measurement of the
    liability. In addition, it requires disclosures about the existence of
any third-party credit enhancement related to liabilities that are
measured at fair value.                                           

    - Effective April 1, 2009, the Company adopted guidance on: (i) estimating
the fair value of an asset or liability if there was a significant
      decrease in the volume and level of trading activity for these assets or
      liabilities; and (ii) identifying transactions that are not orderly. The
      Company has provided all of the material disclosures in its consolidated
financial statements.                                             

- Effective December 31, 2009, the Company adopted guidance on: (i)   
measuring the fair value of investments in certain entities that  
     calculate NAV per share; (ii) how investments within its scope would be
   classified in the fair value hierarchy; and (iii) enhanced disclosure
     requirements, for both interim and annual periods, about the nature and
risks of investments measured at fair value on a recurring or non-
recurring basis.                                                  

  - Effective December 31, 2009, the Company adopted guidance on measuring
 liabilities at fair value. This guidance provides clarification for
 measuring fair value in circumstances in which a quoted price in an
 active market for the identical liability is not available. In such
      circumstances a company is required to measure fair value using either a
  valuation technique that uses: (i) the quoted price of the identical
  liability when traded as an asset; or (ii) quoted prices for similar
liabilities or similar liabilities when traded as assets; or (iii)
   another valuation technique that is consistent with the principles of
    fair value measurement such as an income approach (e.g., present value
technique) or a market approach (e.g., "entry" value technique).  

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Defined Benefit and Other Postretirement Plans                              

  Effective December 31, 2009, the Company adopted guidance to enhance the
transparency surrounding the types of assets and associated risks in an         
employer's defined benefit pension or other postretirement benefit plans. This  
guidance requires an employer to disclose information about the valuation of    
plan assets similar to that required under other fair value disclosure guidance.
The Company provided all of the material disclosures in its consolidated        
financial statements.                                                           

Other Pronouncements                                                        

   Effective April 1, 2009, the Company adopted prospectively guidance which
establishes general standards for accounting and disclosures of events that     
occur subsequent to the balance sheet date but before financial statements are  
issued or available to be issued. The Company has provided all of the material  
disclosures in its consolidated financial statements.                           

  Effective January 1, 2008, the Company prospectively adopted guidance on
the sale of real estate when the agreement includes a buy-sell clause. This     
guidance addresses whether the existence of a buy-sell arrangement would        
preclude partial sales treatment when real estate is sold to a jointly owned    
entity and concludes that the existence of a buy-sell clause does not           
necessarily preclude partial sale treatment under current guidance. The adoption
of this guidance did not have a material impact on the Company's consolidated   
financial statements.                                                           

FUTURE ADOPTION OF NEW ACCOUNTING PRONOUNCEMENTS                            

   In December 2010, the FASB issued new guidance addressing when a business
combination should be assumed to have occurred for the purpose of providing pro 
forma disclosure (Accounting Standards Update ("ASU") 2010-29, Business         
Combinations (Topic 805): Disclosure of Supplementary Pro Forma Information for 
Business Combinations). Under the new guidance, if an entity presents           
comparative financial statements, the entity should disclose revenue and        
earnings of the combined entity as though the business combination that occurred
during the current year had occurred as of the beginning of the comparable prior
annual reporting period. The guidance also expands the supplemental pro forma   
disclosures to include additional narratives. The guidance is effective for     
fiscal years beginning on or after December 15, 2010. The Company will apply the
guidance prospectively on its accounting for future acquisitions and does not   
expect the adoption of this guidance to have a material impact on the Company's 
consolidated financial statements.                                              

In December 2010, the FASB issued new guidance regarding goodwill     
impairment testing (ASU 2010-28, Intangibles -- Goodwill and Other (Topic 350): 
When to Perform Step 2 of the Goodwill Impairment Test for Reporting Units with 
Zero or Negative Carrying Amounts). This guidance modifies Step 1 of the        
goodwill impairment test for reporting units with zero or negative carrying     
amounts. For those reporting units, an entity would be required to perform Step 
2 of the test if qualitative factors indicate that it is more likely than not   
that goodwill impairment exists. The guidance is effective for the first quarter
of 2011. The Company does not expect the adoption of this new guidance to have a
material impact on its consolidated financial statements.                       

In October 2010, the FASB issued new guidance regarding accounting for
deferred acquisition costs (ASU 2010-26, Accounting for Costs Associated with   
Acquiring or Renewing Insurance Contracts) effective for the first quarter of   
2012. This guidance clarifies the costs that should be deferred by insurance    
entities when issuing and renewing insurance contracts. The guidance also       
specifies that only costs related directly to successful acquisition of new or  
renewal contracts can be capitalized. All other acquisition-related costs should
be expensed as incurred. The Company is currently evaluating the impact of this 
guidance on its consolidated financial statements.                              

In April 2010, the FASB issued new guidance regarding accounting for  
investment funds determined to be VIEs (ASU 2010-15, How Investments Held       
through Separate Accounts Affect an Insurer's Consolidation Analysis of Those   
Investments). Under this guidance, an insurance entity would not be required to 
consolidate a voting-                                                           

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

interest investment fund when it holds the majority of the voting interests of  
the fund through its separate accounts. In addition, an insurance entity would  
not consider the interests held through separate accounts for the benefit of    
policyholders in the insurer's evaluation of its economics in a VIE, unless the 
separate account contractholder is a related party. The guidance is effective   
for the first quarter of 2011. The Company does not expect the adoption of this 
new guidance to have a material impact on its consolidated financial statements.

2.  ACQUISITIONS AND DISPOSITIONS                                               

2009 DISPOSITION THROUGH ASSUMPTION REINSURANCE                             

     On October 30, 2009, the Company completed the disposal, through assumption
reinsurance, of substantially all of the insurance business of MetLife Canada, a
wholly-owned indirect subsidiary, to a third-party. Pursuant to the assumption  
reinsurance agreement, the consideration paid by the Company was $259 million,  
comprised of cash of $14 million and fixed maturity securities, mortgage loans  
and other assets totaling $245 million. At the date of the assumption           
reinsurance agreement, the carrying value of insurance liabilities transferred  
was $267 million, resulting in a gain of $5 million, net of income tax. The gain
was recognized in net investment gains (losses).                                

2008 DISPOSITION                                                            

In September 2008, MetLife, Inc. completed a tax-free split-off of its
majority-owned subsidiary, Reinsurance Group of America, Incorporated ("RGA").  
In connection with this transaction, General American Life Insurance Company    
("GALIC") dividended to Metropolitan Life Insurance Company and Metropolitan    
Life Insurance Company dividended to MetLife, Inc. substantially all of its     
interests in RGA at a value of $1,318 million. The net book value of RGA at the 
time of the dividend was $1,716 million. The loss recognized in connection with 
the dividend was $398 million. Metropolitan Life Insurance Company, through its 
investment in GALIC, retained 3,000,000 shares of RGA Class A common stock.     
These shares are marketable equity securities which do not constitute           
significant continuing involvement in the operations of RGA; accordingly, they  
were classified within equity securities in the consolidated financial          
statements of the Company at a cost basis of $157 million which is equivalent to
the net book value of the shares. The equity securities have been recorded at   
fair value at each subsequent reporting date. The Company agreed to dispose of  
the remaining shares of RGA within the next five years. In connection with the  
Company's agreement to dispose of the remaining shares, the Company also        
recognized, in its provision for income tax on continuing operations, a deferred
tax liability of $16 million which represents the difference between the book   
and taxable basis of the remaining investment in RGA. On February 15, 2011, the 
Company sold to RGA such remaining shares.                                      

The impact of the disposition of the Company's investment in RGA was  
reflected in the Company's consolidated financial statements as discontinued    
operations. See Note 18.                                                        

OTHER ACQUISITIONS AND DISPOSITIONS                                         

   See Note 15 for information on the contribution from MetLife, Inc. in the
form of intangible assets related to VOCRA from a 2008 acquisition by MetLife,  
Inc.                                                                            

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

3.  INVESTMENTS                                                                 

FIXED MATURITY AND EQUITY SECURITIES AVAILABLE-FOR-SALE                     

   The following tables present the cost or amortized cost, gross unrealized
gain and loss, estimated fair value of the Company's fixed maturity and equity  
securities and the percentage that each sector represents by the respective     
total holdings for the periods shown. The unrealized loss amounts presented     
below include the noncredit loss component of OTTI loss:                        

                                                        [Enlarge/Download Table]

                                                                 DECEMBER 31, 2010                  
                                               ---------------------------------------------------- 
                                                              GROSS UNREALIZED                      
                                                COST OR   -----------------------  ESTIMATED        
                                               AMORTIZED          TEMPORARY  OTTI     FAIR     % OF 
                                                  COST     GAIN      LOSS    LOSS    VALUE    TOTAL 
                                               ---------  ------  ---------  ----  ---------  ----- 
                                                                   (IN MILLIONS)                    
                                                                                                    
FIXED MATURITY SECURITIES:                                                                          
U.S. corporate securities.....................  $ 50,764  $3,322    $  959   $ --   $ 53,127   33.3%
Foreign corporate securities..................    28,841   2,218       492     --     30,567   19.2 
RMBS..........................................    29,548   1,244       569    319     29,904   18.7 
U.S. Treasury, agency and government                                                                
  guaranteed securities (1)...................    20,154   1,190       367     --     20,977   13.1 
CMBS..........................................     9,401     484       174     10      9,701    6.1 
ABS...........................................     7,514     159       365     90      7,218    4.5 
State and political subdivision securities....     4,693      86       195     --      4,584    2.9 
Foreign government securities.................     2,793     682        18     --      3,457    2.2 
                                                --------  ------    ------   ----   --------  ----- 
  Total fixed maturity securities (2), (3)....  $153,708  $9,385    $3,139   $419   $159,535  100.0%
                                                ========  ======    ======   ====   ========  ===== 
EQUITY SECURITIES:                                                                                  
Common stock..................................  $    937  $   42    $    7   $ --   $    972   53.4%
Non-redeemable preferred stock (2)............       961      52       164     --        849   46.6 
                                                --------  ------    ------   ----   --------  ----- 
  Total equity securities (4).................  $  1,898  $   94    $  171   $ --   $  1,821  100.0%
                                                ========  ======    ======   ====   ========  ===== 


                                                        [Enlarge/Download Table]

                                                                 DECEMBER 31, 2009                  
                                               ---------------------------------------------------- 
                                                              GROSS UNREALIZED                      
                                                COST OR   -----------------------  ESTIMATED        
                                               AMORTIZED          TEMPORARY  OTTI     FAIR     % OF 
                                                  COST     GAIN      LOSS    LOSS    VALUE    TOTAL 
                                               ---------  ------  ---------  ----  ---------  ----- 
                                                                   (IN MILLIONS)                    
                                                                                                    
FIXED MATURITY SECURITIES:                                                                          
U.S. corporate securities.....................  $ 48,650  $2,179    $1,752   $  9   $ 49,068   33.9%
Foreign corporate securities..................    24,367   1,469       836      3     24,997   17.3 
RMBS..........................................    31,810     899     1,303    421     30,985   21.4 
U.S. Treasury, agency and government                                                                
  guaranteed securities (1)...................    16,399     681       678     --     16,402   11.3 
CMBS..........................................    11,393     124       746     --     10,771    7.5 
ABS...........................................     7,892     102       682    141      7,171    5.0 
State and political subdivision securities....     2,827      53       146     --      2,734    1.9 
Foreign government securities.................     2,101     467        47     --      2,521    1.7 
                                                --------  ------    ------   ----   --------  ----- 
  Total fixed maturity securities (2), (3)....  $145,439  $5,974    $6,190   $574   $144,649  100.0%
                                                ========  ======    ======   ====   ========  ===== 
EQUITY SECURITIES:                                                                                  
Common stock..................................  $  1,076  $   58    $    4   $ --   $  1,130   53.4%
Non-redeemable preferred stock (2)............     1,115      54       183     --        986   46.6 
                                                --------  ------    ------   ----   --------  ----- 
  Total equity securities (4).................  $  2,191  $  112    $  187   $ --   $  2,116  100.0%
                                                ========  ======    ======   ====   ========  ===== 


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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

--------                                                                        

(1) The Company has classified within the U.S. Treasury, agency and       
       government guaranteed securities caption certain corporate fixed maturity
      securities issued by U.S. financial institutions that were guaranteed by
       the Federal Deposit Insurance Corporation ("FDIC") pursuant to the FDIC's
     Temporary Liquidity Guarantee Program of $23 million and $51 million at
       estimated fair value at December 31, 2010 and 2009, respectively, with an
   unrealized gain of less than $1 million at both December 31, 2010 and
2009.                                                             

 (2) Upon acquisition, the Company classifies perpetual securities that have
    attributes of both debt and equity as fixed maturity securities if the
     security has an interest rate step-up feature which, when combined with
       other qualitative factors, indicates that the security has more debt-like
  characteristics. The Company classifies perpetual securities with an
       interest rate step-up feature which, when combined with other qualitative
factors, indicates that the security has more equity-like         
   characteristics, as equity securities within non-redeemable preferred
   stock. Many of such securities have been issued by non-U.S. financial
      institutions that are accorded Tier 1 and Upper Tier 2 capital treatment
   by their respective regulatory bodies and are commonly referred to as
       "perpetual hybrid securities." The following table presents the perpetual
hybrid securities held by the Company at:                         

                                                        [Enlarge/Download Table]

                                                                                DECEMBER 31,    
                                                                           ---------------------
                                                                              2010        2009  
                              CLASSIFICATION                               ---------   ---------
-------------------------------------------------------------------------  ESTIMATED   ESTIMATED
CONSOLIDATED BALANCE                                                          FAIR        FAIR  
SHEETS                        SECTOR TABLE            PRIMARY ISSUERS        VALUE       VALUE  
--------------------      --------------------   ------------------------  ---------   ---------
                                                                               (IN MILLIONS)    
                                                                                                
                          Non-redeemable         Non-U.S. financial                             
Equity securities         preferred stock        institutions                $  667      $  699 
                          Non-redeemable         U.S. financial                                 
Equity securities         preferred stock        institutions                $   84      $  191 
Fixed maturity            Foreign corporate      Non-U.S. financial                             
  securities              securities             institutions                $1,304      $1,785 
Fixed maturity            U.S. corporate         U.S. financial                                 
  securities              securities             institutions                $   11      $   38 

--------                                                                        

   (3) The Company's holdings in redeemable preferred stock with stated maturity
 dates, commonly referred to as "capital securities", were primarily
issued by U.S. financial institutions and have cumulative interest
      deferral features. The Company held $1,796 million and $1,769 million at
    estimated fair value of such securities at December 31, 2010 and 2009,
respectively, which are included in the U.S. and foreign corporate
securities sectors within fixed maturity securities.              

(4) Equity securities primarily consist of investments in common and      
 preferred stocks, including certain perpetual hybrid securities and
       mutual fund interests. Privately-held equity securities were $789 million
     and $810 million at estimated fair value at December 31, 2010 and 2009,
respectively.                                                     

     The Company held foreign currency derivatives with notional amounts of $8.3
billion and $7.5 billion to hedge the exchange rate risk associated with foreign
denominated fixed maturity securities at December 31, 2010 and 2009,            
respectively.                                                                   

     The below investment grade and non-income producing amounts presented below
are based on rating agency designations and equivalent designations of the      
National Association of Insurance Commissioners ("NAIC"), with the exception of 
certain structured securities described below held by Metropolitan Life         
Insurance Company and its domestic insurance subsidiaries. Non-agency RMBS,     
including RMBS backed by sub-prime mortgage loans reported within ABS, CMBS and 
all other ABS held by Metropolitan Life Insurance Company and its domestic      
insurance subsidiaries, are presented based on final ratings from the revised   
NAIC rating methodologies which became effective December 31, 2009 for non-     
agency RMBS, including RMBS backed by sub-prime mortgage loans reported within  
ABS, and December 31, 2010 for CMBS and the remaining ABS (which may not        
correspond to rating agency designations). All NAIC designation (e.g., NAIC     
1 -- 6) amounts and percentages presented herein are based on the revised NAIC  
methodologies. All rating agency designation (e.g., Aaa/AAA) amounts and        

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

percentages presented herein are based on rating agency designations without    
adjustment for the revised NAIC methodologies described above. Rating agency    
designations are based on availability of applicable ratings from rating        
agencies on the NAIC acceptable rating organization list, including Moody's     
Investors Service ("Moody's"), S&P and Fitch Ratings ("Fitch").                 

The following table presents selected information about certain fixed 
maturity securities held by the Company at:                                     

                                                                [Download Table]

                                                                   DECEMBER 31,   
                                                                ----------------- 
                                                                  2010      2009  
                                                                -------   ------- 
                                                                  (IN MILLIONS)   
                                                                                  
Below investment grade or non-rated fixed maturity securities:                    
  Estimated fair value........................................  $15,214   $13,438 
  Net unrealized gain (loss)..................................  $  (553)  $(1,804)
Non-income producing fixed maturity securities:                                   
  Estimated fair value........................................  $    55   $   120 
  Net unrealized gain (loss)..................................  $   (13)  $   (12)

    Concentrations of Credit Risk (Fixed Maturity Securities) -- Summary.  The
following section contains a summary of the concentrations of credit risk       
related to fixed maturity securities holdings.                                  

 The Company was not exposed to any concentrations of credit risk of any
single issuer greater than 10% of the Company's equity, other than certain U.S. 
government securities. The Company's holdings in U.S. Treasury, agency and      
government guaranteed fixed maturity securities at estimated fair value were    
$21.0 billion and $16.4 billion at December 31, 2010 and 2009, respectively.    

Concentrations of Credit Risk (Fixed Maturity Securities) -- U.S. and 
Foreign Corporate Securities.  The Company maintains a diversified portfolio of 
corporate fixed maturity securities across industries and issuers. This         
portfolio does not have an exposure to any single issuer in excess of 1% of     
total investments. The tables below present for all corporate fixed maturity    
securities holdings, corporate securities by sector, U.S. corporate securities  
by major industry types, the largest exposure to a single issuer and the        
combined holdings in the ten issuers to which it had the largest exposure at:   

                                                        [Enlarge/Download Table]

                                                                DECEMBER 31,             
                                                   ------------------------------------- 
                                                          2010                2009       
                                                   -----------------   ----------------- 
                                                   ESTIMATED           ESTIMATED         
                                                      FAIR      % OF      FAIR      % OF 
                                                     VALUE     TOTAL     VALUE     TOTAL 
                                                   ---------   -----   ---------   ----- 
                                                                 (IN MILLIONS)           
                                                                                         
Corporate fixed maturity securities -- by sector:                                        
  Foreign corporate fixed maturity securities                                            
     (1)..........................................  $30,567     36.5%   $24,997     33.7%
U.S. corporate fixed maturity securities -- by                                           
  industry:                                                                              
  Industrial......................................   14,059     16.8     12,339     16.6 
  Consumer........................................   12,776     15.3     11,456     15.5 
  Utility.........................................   11,902     14.2     10,372     14.0 
  Finance.........................................    7,838      9.4      8,658     11.7 
  Communications..................................    4,375      5.2      4,273      5.8 
  Other...........................................    2,177      2.6      1,970      2.7 
                                                    -------    -----    -------    ----- 
     Total........................................  $83,694    100.0%   $74,065    100.0%
                                                    =======    =====    =======    ===== 


--------                                                                        

   (1) Includes U.S. dollar-denominated debt obligations of foreign obligors and
other foreign fixed maturity securities.                          

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                                 DECEMBER 31,                  
                                              -------------------------------------------------
                                                        2010                      2009         
                                              -----------------------   -----------------------
                                              ESTIMATED                 ESTIMATED              
                                                 FAIR      % OF TOTAL      FAIR      % OF TOTAL
                                                VALUE     INVESTMENTS     VALUE     INVESTMENTS
                                              ---------   -----------   ---------   -----------
                                                               (IN MILLIONS)                   
                                                                                               
Concentrations within corporate fixed                                                          
  maturity securities:                                                                         
  Largest exposure to a single issuer........   $  672        0.3%        $  753        0.3%   
  Holdings in ten issuers with the largest                                                     
     exposures...............................   $4,812        2.1%        $5,363        2.5%   

 Concentrations of Credit Risk (Fixed Maturity Securities) -- RMBS.  The
table below presents the Company's RMBS holdings and portion rated Aaa/AAA and  
portion rated NAIC 1 at:                                                        

                                                        [Enlarge/Download Table]

                                                                DECEMBER 31,             
                                                   ------------------------------------- 
                                                          2010                2009       
                                                   -----------------   ----------------- 
                                                   ESTIMATED           ESTIMATED         
                                                      FAIR      % OF      FAIR      % OF 
                                                     VALUE     TOTAL     VALUE     TOTAL 
                                                   ---------   -----   ---------   ----- 
                                                                 (IN MILLIONS)           
                                                                                         
By security type:                                                                        
  Collateralized mortgage obligations.............  $15,304     51.2%   $17,051     55.0%
  Pass-through securities.........................   14,600     48.8     13,934     45.0 
                                                    -------    -----    -------    ----- 
     Total RMBS...................................  $29,904    100.0%   $30,985    100.0%
                                                    =======    =====    =======    ===== 
By risk profile:                                                                         
  Agency..........................................  $22,525     75.3%   $23,415     75.6%
  Prime...........................................    4,074     13.6      4,613     14.9 
  Alternative residential mortgage loans..........    3,305     11.1      2,957      9.5 
                                                    -------    -----    -------    ----- 
     Total RMBS...................................  $29,904    100.0%   $30,985    100.0%
                                                    =======    =====    =======    ===== 
Portion rated Aaa/AAA.............................  $23,934     80.0%   $25,316     81.7%
                                                    =======    =====    =======    ===== 
Portion rated NAIC 1..............................  $26,162     87.5%   $27,305     88.1%
                                                    =======    =====    =======    ===== 


    Collateralized mortgage obligations are a type of mortgage-backed security
structured by dividing the cash flows of mortgages into separate pools or       
tranches of risk that create multiple classes of bonds with varying maturities  
and priority of payments. Pass-through mortgage-backed securities are a type of 
asset-backed security that is secured by a mortgage or collection of mortgages. 
The monthly mortgage payments from homeowners pass from the originating bank    
through an intermediary, such as a government agency or investment bank, which  
collects the payments, and for a fee, remits or passes these payments through to
the holders of the pass-through securities.                                     

    Prime residential mortgage lending includes the origination of residential
mortgage loans to the most creditworthy borrowers with high quality credit      
profiles. Alternative residential mortgage loans ("Alt-A") are a classification 
of mortgage loans where the risk profile of the borrower falls between prime and
sub-prime. Sub-prime mortgage lending is the origination of residential mortgage
loans to borrowers with weak credit profiles. Included within Alt-A RMBS are    
resecuritization of real estate mortgage investment conduit ("Re-REMIC")        
securities. Re-REMIC Alt-A RMBS involve the pooling of previous issues of Alt-A 
RMBS and restructuring the combined pools to create new senior and subordinated 
securities. The credit enhancement on the senior tranches is improved through   
the resecuritization. The Company's holdings are in senior tranches with        
significant credit enhancement.                                                 

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The following tables present the Company's investment in Alt-A RMBS by
vintage year (vintage year refers to the year of origination and not to the year
of purchase) and certain other selected data:                                   

                                                        [Enlarge/Download Table]

                                                                DECEMBER 31,             
                                                   ------------------------------------- 
                                                          2010                2009       
                                                   -----------------   ----------------- 
                                                   ESTIMATED           ESTIMATED         
                                                      FAIR      % OF      FAIR      % OF 
                                                     VALUE     TOTAL     VALUE     TOTAL 
                                                   ---------   -----   ---------   ----- 
                                                                 (IN MILLIONS)           
                                                                                         
VINTAGE YEAR:                                                                            
2004 & Prior......................................   $   71      2.1%    $   79      2.7%
2005..............................................    1,074     32.5        948     32.0 
2006..............................................      796     24.1        619     20.9 
2007..............................................      654     19.8        543     18.4 
2008..............................................        7      0.2         --       -- 
2009 (1)..........................................      671     20.3        768     26.0 
2010 (1)..........................................       32      1.0         --       -- 
                                                     ------    -----     ------    ----- 
Total.............................................   $3,305    100.0%    $2,957    100.0%
                                                     ======    =====     ======    ===== 


--------                                                                        

(1) All of the Company's Alt-A RMBS holdings in the 2009 and 2010 vintage 
    years are Re-REMIC Alt-A RMBS that were purchased in 2009 and 2010 and
  are comprised of original issue vintage year 2005 through 2007 Alt-A
       RMBS. All of the Company's Re-REMIC Alt-A RMBS holdings are NAIC 1 rated.

                                                        [Enlarge/Download Table]

                                                               DECEMBER 31,          
                                                     ------------------------------- 
                                                          2010             2009      
                                                     --------------   -------------- 
                                                               % OF             % OF 
                                                     AMOUNT   TOTAL   AMOUNT   TOTAL 
                                                     ------   -----   ------   ----- 
                                                               (IN MILLIONS)         
                                                                                     
Net unrealized gain (loss)..........................  $(408)           $(821)        
Rated Aa/AA or better...............................           19.7%            35.0%
Rated NAIC 1........................................           47.2%            36.7%
Distribution of holdings -- at estimated fair                                        
  value -- by collateral type:                                                       
  Fixed rate mortgage loans collateral..............           91.6%            90.4%
  Hybrid adjustable rate mortgage loans collateral..            8.4              9.6 
                                                              -----            ----- 
     Total Alt-A RMBS...............................          100.0%           100.0%
                                                              =====            ===== 


 Concentrations of Credit Risk (Fixed Maturity Securities) -- CMBS.  The
Company's holdings in CMBS were $9.7 billion and $10.8 billion at estimated fair
value at December 31, 2010 and 2009, respectively. The Company had no exposure  
to CMBS index securities at December 31, 2010 or 2009. The Company held         
commercial real estate collateralized debt obligations securities of $36 million
and $39 million at estimated fair value at December 31, 2010 and 2009,          
respectively.                                                                   

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The following tables present the Company's holdings of CMBS by rating 
agency designation and by vintage year at:                                      

                                                        [Enlarge/Download Table]

                                                                 DECEMBER 31, 2010                                               
                  ---------------------------------------------------------------------------------------------------------------
                                                                                                                   BELOW         
                                                                                                                 INVESTMENT      
                           AAA                   AA                     A                    BAA                   GRADE         
                  --------------------  --------------------  --------------------  --------------------  -----------------------
                             ESTIMATED             ESTIMATED             ESTIMATED             ESTIMATED                ESTIMATED
                  AMORTIZED     FAIR    AMORTIZED     FAIR    AMORTIZED     FAIR    AMORTIZED     FAIR    AMORTIZED        FAIR  
                     COST      VALUE       COST      VALUE       COST      VALUE       COST      VALUE       COST         VALUE  
                  ---------  ---------  ---------  ---------  ---------  ---------  ---------  ---------  ---------     ---------
                                                                             (IN MILLIONS)                                       
                                                                                                                                 
2003 & Prior.....   $3,585     $3,736      $183       $185       $122       $119       $ 29       $ 27       $  7          $  6  
2004.............    1,345      1,451        68         67         34         30          8          8         70            49  
2005.............    1,867      2,003        38         32         48         41         36         25         --            --  
2006.............      968      1,031        75         74         19         19         36         35         71            61  
2007.............      479        448       224        176         16         15         63         53         10            10  
2008 to 2010.....       --         --        --         --         --         --         --         --         --            --  
                    ------     ------      ----       ----       ----       ----       ----       ----       ----          ----  
  Total..........   $8,244     $8,669      $588       $534       $239       $224       $172       $148       $158          $126  
                    ======     ======      ====       ====       ====       ====       ====       ====       ====          ====  
Ratings                                                                                                                          
  Distribution...                89.4%                 5.5%                  2.3%                  1.5%                     1.3% 
                               ======                 ====                  ====                  ====                     ====  


                    DECEMBER 31, 2010                                                                                            
                  --------------------                                                                                           
                          TOTAL                                                                                                  
                  --------------------                                                                                           
                             ESTIMATED                                                                                           
                  AMORTIZED     FAIR                                                                                             
                     COST      VALUE                                                                                             
                  ---------  ---------                                                                                           
                                                                                                                                 
2003 & Prior.....   $3,926     $4,073                                                                                            
2004.............    1,525      1,605                                                                                            
2005.............    1,989      2,101                                                                                            
2006.............    1,169      1,220                                                                                            
2007.............      792        702                                                                                            
2008 to 2010.....       --         --                                                                                            
                    ------     ------                                                                                            
  Total..........   $9,401     $9,701                                                                                            
                    ======     ======                                                                                            
Ratings                                                                                                                          
  Distribution...               100.0%                                                                                           
                               ======                                                                                            


     The December 31, 2010 table reflects rating agency designations assigned by
nationally recognized rating agencies including Moody's, S&P, Fitch and         
Realpoint, LLC.                                                                 

                                                        [Enlarge/Download Table]

                                                                 DECEMBER 31, 2009                                               
                  ---------------------------------------------------------------------------------------------------------------
                                                                                                                   BELOW         
                                                                                                                 INVESTMENT      
                           AAA                   AA                     A                    BAA                   GRADE         
                  --------------------  --------------------  --------------------  --------------------  -----------------------
                             ESTIMATED             ESTIMATED             ESTIMATED             ESTIMATED                ESTIMATED
                  AMORTIZED     FAIR    AMORTIZED     FAIR    AMORTIZED     FAIR    AMORTIZED     FAIR    AMORTIZED        FAIR  
                     COST      VALUE       COST      VALUE       COST      VALUE       COST      VALUE       COST         VALUE  
                  ---------  ---------  ---------  ---------  ---------  ---------  ---------  ---------  ---------     ---------
                                                                             (IN MILLIONS)                                       
                                                                                                                                 
2003 & Prior.....   $4,421     $4,480      $331       $308       $132       $113       $ 22       $ 18       $ --          $ --  
2004.............    1,633      1,645       108         91         70         43         20         15         58            45  
2005.............    2,138      2,064       125         94         33         28         35         21         21            19  
2006.............      705        656        97         84        332        284        149        106         96            37  
2007.............      410        294         7          6        247        189        193        124         10             7  
2008 to 2009.....       --         --        --         --         --         --         --         --         --            --  
                    ------     ------      ----       ----       ----       ----       ----       ----       ----          ----  
  Total..........   $9,307     $9,139      $668       $583       $814       $657       $419       $284       $185          $108  
                    ======     ======      ====       ====       ====       ====       ====       ====       ====          ====  
Ratings                                                                                                                          
  Distribution...                84.9%                 5.4%                  6.1%                  2.6%                     1.0% 
                               ======                 ====                  ====                  ====                     ====  


                    DECEMBER 31, 2009                                                                                            
                  --------------------                                                                                           
                          TOTAL                                                                                                  
                  --------------------                                                                                           
                             ESTIMATED                                                                                           
                  AMORTIZED     FAIR                                                                                             
                     COST      VALUE                                                                                             
                  ---------  ---------                                                                                           
                                                                                                                                 
2003 & Prior.....  $ 4,906    $ 4,919                                                                                            
2004.............    1,889      1,839                                                                                            
2005.............    2,352      2,226                                                                                            
2006.............    1,379      1,167                                                                                            
2007.............      867        620                                                                                            
2008 to 2009.....       --         --                                                                                            
                   -------    -------                                                                                            
  Total..........  $11,393    $10,771                                                                                            
                   =======    =======                                                                                            
Ratings                                                                                                                          
  Distribution...               100.0%                                                                                           
                              =======                                                                                            


     The December 31, 2009 table reflects rating agency designations assigned by
nationally recognized rating agencies including Moody's, S&P and Fitch.         

The NAIC rating distribution of the Company's holdings of CMBS was as 
follows at:                                                                     

                                                                [Download Table]

                                                                      DECEMBER  
                                                                        31,     
                                                                    ----------- 
                                                                    2010   2009 
                                                                    ----   ---- 
                                                                                
NAIC 1............................................................. 96.8%  96.3%
NAIC 2.............................................................  2.8%   0.1%
NAIC 3.............................................................  0.3%   2.7%
NAIC 4.............................................................  0.1%   0.9%

Concentrations of Credit Risk (Fixed Maturity Securities) -- ABS.  The
Company's holdings in ABS were $7.2 billion at estimated fair value at both     
December 31, 2010 and 2009. The Company's ABS are diversified both by collateral
type and by issuer.                                                             

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The following table presents the collateral type and certain other    
information about ABS held by the Company at:                                   

                                                        [Enlarge/Download Table]

                                                                DECEMBER 31,             
                                                   ------------------------------------- 
                                                          2010                2009       
                                                   -----------------   ----------------- 
                                                   ESTIMATED           ESTIMATED         
                                                      FAIR      % OF      FAIR      % OF 
                                                     VALUE     TOTAL     VALUE     TOTAL 
                                                   ---------   -----   ---------   ----- 
                                                               (IN MILLIONS)             
                                                                                         
By collateral type:                                                                      
  Credit card loans...............................   $3,259     45.2%    $3,706     51.7%
  Student loans...................................    1,028     14.2        882     12.3 
  RMBS backed by sub-prime mortgage loans.........      775     10.7        710      9.9 
  Automobile loans................................      353      4.9        619      8.6 
  Other loans.....................................    1,803     25.0      1,254     17.5 
                                                     ------    -----     ------    ----- 
       Total......................................   $7,218    100.0%    $7,171    100.0%
                                                     ======    =====     ======    ===== 
Portion rated Aaa/AAA.............................   $5,000     69.3%    $4,947     69.0%
                                                     ======    =====     ======    ===== 
Portion rated NAIC 1..............................   $6,436     89.2%    $6,155     85.8%
                                                     ======    =====     ======    ===== 


  The Company had ABS supported by sub-prime mortgage loans with estimated
fair values of $775 million and $710 million and unrealized losses of $217      
million and $381 million at December 31, 2010 and 2009, respectively.           
Approximately 49% of this portfolio was rated Aa or better, of which 82% was in 
vintage year 2005 and prior at December 31, 2010. Approximately 59% of this     
portfolio was rated Aa or better, of which 88% was in vintage year 2005 and     
prior at December 31, 2009. These older vintages from 2005 and prior benefit    
from better underwriting, improved enhancement levels and higher residential    
property price appreciation. Approximately 62% and 67% of this portfolio was    
rated NAIC 2 or better at December 31, 2010 and 2009, respectively.             

 Concentrations of Credit Risk (Equity Securities).  The Company was not
exposed to any concentrations of credit risk in its equity securities holdings  
of any single issuer greater than 10% of the Company's equity or 1% of total    
investments at December 31, 2010 and 2009.                                      

    Maturities of Fixed Maturity Securities.  The amortized cost and estimated
fair value of fixed maturity securities, by contractual maturity date (excluding
scheduled sinking funds), were as follows at:                                   

                                                        [Enlarge/Download Table]

                                                               DECEMBER 31,                
                                              ---------------------------------------------
                                                       2010                    2009        
                                              ---------------------   ---------------------
                                                          ESTIMATED               ESTIMATED
                                              AMORTIZED      FAIR     AMORTIZED      FAIR  
                                                 COST       VALUE        COST       VALUE  
                                              ---------   ---------   ---------   ---------
                                                              (IN MILLIONS)                
                                                                                           
Due in one year or less......................  $  3,974    $  4,052    $  3,927    $  3,987
Due after one year through five years........    25,910      27,017      22,001      22,733
Due after five years through ten years.......    31,060      33,543      25,114      25,974
Due after ten years..........................    46,301      48,100      43,302      43,028
                                               --------    --------    --------    --------
  Subtotal...................................   107,245     112,712      94,344      95,722
RMBS, CMBS and ABS...........................    46,463      46,823      51,095      48,927
                                               --------    --------    --------    --------
     Total fixed maturity securities.........  $153,708    $159,535    $145,439    $144,649
                                               ========    ========    ========    ========


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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 included in the above table in the year of final 
contractual maturity. RMBS, CMBS and ABS are shown separately in the table, as  
they are not due at a single maturity.                                          

EVALUATING AVAILABLE-FOR-SALE SECURITIES FOR OTHER-THAN-TEMPORARY IMPAIRMENT

As described more fully in Note 1, the Company performs a regular     
evaluation, on a security-by-security basis, of its available-for-sale          
securities holdings, including fixed maturity securities, equity securities and 
perpetual hybrid securities, in accordance with its impairment policy in order  
to evaluate whether such investments are other-than-temporarily impaired. As    
described more fully in Note 1, effective April 1, 2009, the Company adopted    
OTTI guidance that amends the methodology for determining for fixed maturity    
securities whether an OTTI exists, and for certain fixed maturity securities,   
changes how the amount of the OTTI loss that is charged to earnings is          
determined. There was no change in the OTTI methodology for equity securities.  

NET UNREALIZED INVESTMENT GAINS (LOSSES)                                    

 The components of net unrealized investment gains (losses), included in
accumulated other comprehensive income (loss), were as follows:                 

                                                        [Enlarge/Download Table]

                                                              YEARS ENDED DECEMBER 31,  
                                                             -------------------------- 
                                                               2010     2009     2008   
                                                             -------   -----   -------- 
                                                                    (IN MILLIONS)       
                                                                                        
Fixed maturity securities..................................  $ 6,189   $(216)  $(13,199)
Fixed maturity securities with noncredit OTTI losses in                                 
  accumulated other comprehensive income (loss)............     (419)   (574)        -- 
                                                             -------   -----   -------- 
  Total fixed maturity securities..........................    5,770    (790)   (13,199)
Equity securities..........................................      (66)    (75)      (633)
Derivatives................................................       90    (156)        14 
Short-term investments.....................................      (13)    (23)        -- 
Other......................................................       48      52         56 
                                                             -------   -----   -------- 
     Subtotal..............................................    5,829    (992)   (13,762)
                                                             -------   -----   -------- 
Amounts allocated from:                                                                 
  Insurance liability loss recognition.....................     (426)     --         (1)
  DAC and VOBA related to noncredit OTTI losses recognized                              
     in accumulated other comprehensive income (loss)......       27      49         -- 
  DAC and VOBA.............................................     (999)      6      2,000 
  Policyholder dividend obligation.........................     (876)     --         -- 
                                                             -------   -----   -------- 
     Subtotal..............................................   (2,274)     55      1,999 
Deferred income tax benefit (expense) related to noncredit                              
  OTTI losses recognized in accumulated other comprehensive                             
  income (loss)............................................      138     184         -- 
Deferred income tax benefit (expense)......................   (1,382)    142      4,062 
                                                             -------   -----   -------- 
Net unrealized investment gains (losses)...................    2,311    (611)    (7,701)
Net unrealized investment gains (losses) attributable to                                
  noncontrolling interests.................................       (1)      5         -- 
                                                             -------   -----   -------- 
Net unrealized investment gains (losses) attributable to                                
  Metropolitan Life Insurance Company......................  $ 2,310   $(606)  $ (7,701)
                                                             =======   =====   ======== 


   Fixed maturity securities with noncredit OTTI losses in accumulated other
comprehensive income (loss), as presented above of ($419) million at December   
31, 2010, includes ($574) million recognized prior to January 1,                

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

2010, ($150) million (($148) million, net of DAC) of noncredit OTTI losses      
recognized in the year ended December 31, 2010, $87 million related to          
securities sold during the year ended December 31, 2010 for which a noncredit   
OTTI loss was previously recognized in accumulated other comprehensive income   
(loss) and $218 million of subsequent increases in estimated fair value during  
the year ended December 31, 2010 on such securities for which a noncredit OTTI  
loss was previously recognized in accumulated other comprehensive income (loss).

   Fixed maturity securities with noncredit OTTI losses in accumulated other
comprehensive income (loss), as presented above of ($574) million at December   
31, 2009, includes ($59) million related to the transition adjustment recorded  
in 2009 upon the adoption of guidance on the recognition and presentation of    
OTTI, ($623) million (($566) million, net of DAC) of noncredit OTTI losses      
recognized in the year ended December 31, 2009 (as more fully described in Note 
1), $8 million related to securities sold during the year ended December 31,    
2009 for which a noncredit OTTI loss was previously recognized in accumulated   
comprehensive income (loss) and $100 million of subsequent increases in         
estimated fair value during the year ended December 31, 2009 on such securities 
for which a noncredit OTTI loss was previously recognized in accumulated other  
comprehensive income (loss).                                                    

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  The changes in net unrealized investment gains (losses) were as follows:

                                                        [Enlarge/Download Table]

                                                              YEARS ENDED DECEMBER 31,    
                                                             --------------------------   
                                                               2010     2009     2008     
                                                             -------  -------  --------   
                                                                      (IN MILLIONS)       
                                                                                          
Balance, beginning of period...............................  $  (606) $(7,701) $  1,342   
Cumulative effect of change in accounting principles, net                                 
  of income tax............................................       10      (36)       --   
Fixed maturity securities on which noncredit OTTI losses                                  
  have been recognized.....................................      155     (515)       --   
Unrealized investment gains (losses) during the year.......    6,650   13,344   (17,624)  
Unrealized investment losses of subsidiary at the date of                                 
  dividend of interests....................................       --       --       106   
Unrealized investment gains (losses) relating to:                                         
  Insurance liability gain (loss) recognition..............     (426)       1       365   
  DAC and VOBA on which noncredit OTTI losses recognized in                               
     other comprehensive income (loss).....................      (22)      45        --   
  DAC and VOBA.............................................   (1,005)  (1,994)    2,438   
  DAC and VOBA of subsidiary at date of dividend of                                       
     interests.............................................       --       --       (18)  
  Policyholder dividend obligation.........................     (876)      --       789   
  Deferred income tax benefit (expense) related to                                        
     noncredit OTTI losses recognized in other accumulated                                
     comprehensive income (loss)...........................      (46)     165        --   
  Deferred income tax benefit (expense)....................   (1,518)  (3,920)    4,797   
  Deferred income tax benefit (expense) of subsidiary at                                  
     the date of dividend of interests.....................       --       --       (46)  
                                                             -------  -------  --------   
Net unrealized investment gains (losses)...................    2,316     (611)   (7,851)  
Net unrealized investment gains (losses) attributable to                                  
  noncontrolling interests.................................       (6)       5        --   
Net unrealized investment gains (losses) attributable to                                  
  noncontrolling interests of subsidiary at date of                                       
  dividend of interests....................................       --       --       150   
                                                             -------  -------  --------   
Balance, end of period.....................................  $ 2,310  $  (606) $ (7,701)  
                                                             =======  =======  ========   
Change in net unrealized investment gains (losses).........  $ 2,922  $ 7,090  $ (9,193)  
Change in net unrealized investment gains (losses)                                        
  attributable to noncontrolling interests.................       (6)       5        --   
Change in net unrealized investment gains (losses)                                        
  attributable to noncontrolling interests of                                             
     subsidiary at date of dividend of interests...........       --       --       150   
                                                             -------  -------  --------   
Change in net unrealized investment gains (losses)                                        
  attributable to Metropolitan Life Insurance Company......  $ 2,916  $ 7,095  $ (9,043)  
                                                             =======  =======  ========   


CONTINUOUS GROSS UNREALIZED LOSS AND OTTI LOSS FOR FIXED MATURITY AND EQUITY
SECURITIES AVAILABLE-FOR-SALE BY SECTOR                                     

    The following tables present the estimated fair value and gross unrealized
loss of the Company's fixed maturity and equity securities 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      
presented below include the noncredit component of OTTI loss. Fixed maturity    
securities on which a noncredit OTTI loss has been recognized in accumulated    
other comprehensive income (loss) are categorized by length of time as being    
"less than 12 months" or "equal to or greater than 12 months" in a continuous   
unrealized loss position based on the point in                                  

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

time that the estimated fair value initially declined to below the amortized    
cost basis and not the period of time since the unrealized loss was deemed a    
noncredit OTTI loss.                                                            

                                                        [Enlarge/Download Table]

                                                                  DECEMBER 31, 2010                         
                                         -------------------------------------------------------------------
                                                                 EQUAL TO OR GREATER                        
                                          LESS THAN 12 MONTHS       THAN 12 MONTHS             TOTAL        
                                         ---------------------  ---------------------  ---------------------
                                         ESTIMATED     GROSS    ESTIMATED     GROSS    ESTIMATED     GROSS  
                                            FAIR    UNREALIZED     FAIR    UNREALIZED     FAIR    UNREALIZED
                                           VALUE       LOSS       VALUE       LOSS       VALUE       LOSS   
                                         ---------  ----------  ---------  ----------  ---------  ----------
                                                      (IN MILLIONS, EXCEPT NUMBER OF SECURITIES)            
                                                                                                            
FIXED MATURITY SECURITIES:                                                                                  
U.S. corporate securities...............  $ 5,997      $197      $ 5,234     $  762     $11,231     $  959  
Foreign corporate securities............    3,692       125        2,662        367       6,354        492  
RMBS....................................    3,949       120        4,537        768       8,486        888  
U.S. Treasury, agency and government                                                                        
  guaranteed securities.................    8,553       367           --         --       8,553        367  
CMBS....................................      236         2          965        182       1,201        184  
ABS.....................................    1,015        18        1,810        437       2,825        455  
State and political subdivision                                                                             
  securities............................    2,412       117          234         78       2,646        195  
Foreign government securities...........      231         7           94         11         325         18  
                                          -------      ----      -------     ------     -------     ------  
  Total fixed maturity securities.......  $26,085      $953      $15,536     $2,605     $41,621     $3,558  
                                          =======      ====      =======     ======     =======     ======  
EQUITY SECURITIES:                                                                                          
Common stock............................  $    29      $  7      $    --     $   --     $    29     $    7  
Non-redeemable preferred stock..........       52         3          558        161         610        164  
                                          -------      ----      -------     ------     -------     ------  
  Total equity securities...............  $    81      $ 10      $   558     $  161     $   639     $  171  
                                          =======      ====      =======     ======     =======     ======  
Total number of securities in an                                                                            
  unrealized loss position..............    1,405                  1,151                                    
                                          =======                =======                                    


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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                                  DECEMBER 31, 2009                         
                                         -------------------------------------------------------------------
                                                                 EQUAL TO OR GREATER                        
                                          LESS THAN 12 MONTHS       THAN 12 MONTHS             TOTAL        
                                         ---------------------  ---------------------  ---------------------
                                         ESTIMATED     GROSS    ESTIMATED     GROSS    ESTIMATED     GROSS  
                                            FAIR    UNREALIZED     FAIR    UNREALIZED     FAIR    UNREALIZED
                                           VALUE       LOSS       VALUE       LOSS       VALUE       LOSS   
                                         ---------  ----------  ---------  ----------  ---------  ----------
                                                      (IN MILLIONS, EXCEPT NUMBER OF SECURITIES)            
                                                                                                            
FIXED MATURITY SECURITIES:                                                                                  
U.S. corporate securities...............  $ 5,592     $  270     $11,119     $1,491     $16,711     $1,761  
Foreign corporate securities............    2,442         77       5,047        762       7,489        839  
RMBS....................................    4,703         80       6,534      1,644      11,237      1,724  
U.S. Treasury, agency and government                                                                        
  guaranteed securities.................    9,089        678          --         --       9,089        678  
CMBS....................................    1,291         15       3,865        731       5,156        746  
ABS.....................................      826         73       3,454        750       4,280        823  
State and political subdivision                                                                             
  securities............................    1,236         64         272         82       1,508        146  
Foreign government securities...........      171          9         171         38         342         47  
                                          -------     ------     -------     ------     -------     ------  
  Total fixed maturity securities.......  $25,350     $1,266     $30,462     $5,498     $55,812     $6,764  
                                          =======     ======     =======     ======     =======     ======  
EQUITY SECURITIES:                                                                                          
Common stock............................  $    49     $    4     $     2     $   --     $    51     $    4  
Non-redeemable preferred stock..........       46         29         628        154         674        183  
                                          -------     ------     -------     ------     -------     ------  
  Total equity securities...............  $    95     $   33     $   630     $  154     $   725     $  187  
                                          =======     ======     =======     ======     =======     ======  
Total number of securities in an                                                                            
  unrealized loss position..............    1,365                  2,073                                    
                                          =======                =======                                    


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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

AGING OF GROSS UNREALIZED LOSS AND OTTI LOSS FOR FIXED MATURITY AND EQUITY  
SECURITIES AVAILABLE-FOR-SALE                                               

   The following tables present the cost or amortized cost, gross unrealized
loss, including the portion of OTTI loss on fixed maturity securities recognized
in accumulated other comprehensive income (loss), gross unrealized loss as a    
percentage of cost or amortized cost and number of securities for fixed maturity
and equity securities where the estimated fair value had declined and remained  
below cost or amortized cost by less than 20%, or 20% or more at:               

                                                        [Enlarge/Download Table]

                                                                 DECEMBER 31, 2010                      
                                          --------------------------------------------------------------
                                            COST OR AMORTIZED     GROSS UNREALIZED         NUMBER OF    
                                                  COST                  LOSS              SECURITIES    
                                          --------------------   ------------------   ------------------
                                          LESS THAN     20% OR   LESS THAN   20% OR   LESS THAN   20% OR
                                             20%         MORE       20%       MORE       20%       MORE 
                                          ---------     ------   ---------   ------   ---------   ------
                                                    (IN MILLIONS, EXCEPT NUMBER OF SECURITIES)          
                                                                                                        
FIXED MATURITY SECURITIES:                                                                              
Less than six months....................   $25,867      $  811     $  843    $  216     1,287        65 
Six months or greater but less than nine                                                                
  months................................       696         275         19        75        51        24 
Nine months or greater but less than                                                                    
  twelve months.........................       271          35         22         8        29         6 
Twelve months or greater................    13,525       3,699      1,158     1,217       823       226 
                                           -------      ------     ------    ------                     
  Total.................................   $40,359      $4,820     $2,042    $1,516                     
                                           =======      ======     ======    ======                     
Percentage of amortized cost............                                5%       31%                    
                                                                   ======    ======                     
EQUITY SECURITIES:                                                                                      
Less than six months....................   $    52      $   59     $    2    $   13        23        11 
Six months or greater but less than nine                                                                
  months................................        29          28          5         6         3         2 
Nine months or greater but less than                                                                    
  twelve months.........................        --          40         --        14         2         2 
Twelve months or greater................       309         293         32        99        22        13 
                                           -------      ------     ------    ------                     
  Total.................................   $   390      $  420     $   39    $  132                     
                                           =======      ======     ======    ======                     
Percentage of cost......................                               10%       31%                    
                                                                   ======    ======                     


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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                               DECEMBER 31, 2009                       
                                        ---------------------------------------------------------------
                                          COST OR AMORTIZED      GROSS UNREALIZED         NUMBER OF    
                                                 COST                  LOSS              SECURITIES    
                                        ---------------------   ------------------   ------------------
                                        LESS THAN      20% OR   LESS THAN   20% OR   LESS THAN   20% OR
                                           20%          MORE       20%       MORE       20%       MORE 
                                        ---------     -------   ---------   ------   ---------   ------
                                                   (IN MILLIONS, EXCEPT NUMBER OF SECURITIES)          
                                                                                                       
FIXED MATURITY SECURITIES:                                                                             
Less than six months...................  $22,545      $ 1,574     $  657    $  414     1,057       115 
Six months or greater but less than                                                                    
  nine months..........................    2,813          317        352        85        75        30 
Nine months or greater but less than                                                                   
  twelve months........................      713        1,161         67       356        37        55 
Twelve months or greater...............   25,337        8,116      1,972     2,861     1,417       486 
                                         -------      -------     ------    ------                     
  Total................................  $51,408      $11,168     $3,048    $3,716                     
                                         =======      =======     ======    ======                     
Percentage of amortized cost...........                                6%       33%                    
                                                                  ======    ======                     
EQUITY SECURITIES:                                                                                     
Less than six months...................  $    60      $    54     $    4    $   12       166         7 
Six months or greater but less than                                                                    
  nine months..........................       --           --         --        --         3        -- 
Nine months or greater but less than                                                                   
  twelve months........................        3           69         --        29         4         5 
Twelve months or greater...............      389          337         47        95        30        20 
                                         -------      -------     ------    ------                     
  Total................................  $   452      $   460     $   51    $  136                     
                                         =======      =======     ======    ======                     
Percentage of cost.....................                               11%       30%                    
                                                                  ======    ======                     


  Equity securities with a gross unrealized loss of 20% or more for twelve
months or greater increased from $95 million at December 31, 2009 to $99 million
at December 31, 2010. As shown in the section "-- Evaluating Temporarily        
Impaired Available-for-Sale Securities" below, all of the $99 million of equity 
securities with a gross unrealized loss of 20% or more for twelve months or     
greater at December 31, 2010 were financial services industry investment grade  
non-redeemable preferred stock, of which 82% were rated A or better.            

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

CONCENTRATION OF GROSS UNREALIZED LOSS AND OTTI LOSS FOR FIXED MATURITY AND 
EQUITY SECURITIES AVAILABLE-FOR-SALE                                        

 The Company's gross unrealized losses related to its fixed maturity and
equity securities, including the portion of OTTI loss on fixed maturity         
securities recognized in accumulated other comprehensive income (loss) of $3.7  
billion and $7.0 billion at December 31, 2010 and 2009, respectively, were      
concentrated, calculated as a percentage of gross unrealized loss and OTTI loss,
by sector and industry as follows:                                              

                                                                [Download Table]

                                                                      DECEMBER  
                                                                        31,     
                                                                    ----------- 
                                                                    2010   2009 
                                                                    ----   ---- 
                                                                                
SECTOR:                                                                         
  U.S. corporate securities........................................   26%    25%
  RMBS.............................................................   24     25 
  Foreign corporate securities.....................................   13     12 
  ABS..............................................................   12     12 
  U.S. Treasury, agency and government guaranteed securities.......   10     10 
  CMBS.............................................................    5     11 
  State and political subdivision securities.......................    5      2 
  Other............................................................    5      3 
                                                                     ---    --- 
     Total.........................................................  100%   100%
                                                                     ===    === 
INDUSTRY:                                                                       
  Mortgage-backed..................................................   29%    36%
  Finance..........................................................   21     23 
  Asset-backed.....................................................   12     12 
  U.S. Treasury, agency and government guaranteed securities.......   10     10 
  Utility..........................................................    6      4 
  State and political subdivision securities.......................    5      2 
  Consumer.........................................................    4      4 
  Communications...................................................    2      2 
  Industrial.......................................................    2      1 
  Other............................................................    9      6 
                                                                     ---    --- 
     Total.........................................................  100%   100%
                                                                     ===    === 


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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

EVALUATING TEMPORARILY IMPAIRED AVAILABLE-FOR-SALE SECURITIES               

The following table presents the Company's fixed maturity and equity  
securities, each with a gross unrealized loss of greater than $10 million, the  
number of securities, total gross unrealized loss and percentage of total gross 
unrealized loss at:                                                             

                                                        [Enlarge/Download Table]

                                                                  DECEMBER 31,                      
                                           ---------------------------------------------------------
                                                       2010                          2009           
                                           ---------------------------   ---------------------------
                                           FIXED MATURITY     EQUITY     FIXED MATURITY     EQUITY  
                                             SECURITIES     SECURITIES     SECURITIES     SECURITIES
                                           --------------   ----------   --------------   ----------
                                                   (IN MILLIONS, EXCEPT NUMBER OF SECURITIES)       
                                                                                                    
Number of securities......................         67             5             145             5   
Total gross unrealized loss...............     $1,179           $75          $2,796           $70   
Percentage of total gross unrealized                                                                
  loss....................................         33%           44%             41%           37%  

 Fixed maturity and equity securities, each with a gross unrealized loss
greater than $10 million, decreased $1.6 billion during the year ended December 
31, 2010. The cause of the decline in, or improvement in, gross unrealized      
losses for the year ended December 31, 2010, was primarily attributable to a    
decrease in interest rates and narrowing of credit spreads. These securities    
were included in the Company's OTTI review process. Based upon the Company's    
current evaluation of these securities and other available-for-sale 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.                                                                       

     In the Company's impairment review process, the duration and severity of an
unrealized loss position for equity securities is given greater weight and      
consideration than for fixed maturity securities. An extended and severe        
unrealized loss position on a fixed maturity security may not have any impact on
the ability of the issuer to service all scheduled interest and principal       
payments and the Company's evaluation of recoverability of all contractual cash 
flows or the ability to recover an amount at least equal to its amortized cost  
based on the present value of the expected future cash flows to be collected. In
contrast, for an equity security, greater weight and consideration is given by  
the Company to a decline in market value and the likelihood such market value   
decline will recover.                                                           

     The following table presents certain information about the Company's equity
securities available-for-sale with a gross unrealized loss of 20% or more at    
December 31, 2010:                                                              

                                                        [Enlarge/Download Table]

                                                                   NON-REDEEMABLE PREFERRED STOCK                        
                                          -------------------------------------------------------------------------------
                                            ALL TYPES OF                                                                 
                                           NON-REDEEMABLE                                                                
                                           PREFERRED STOCK                         INVESTMENT GRADE                      
                              ALL EQUITY  ----------------  -------------------------------------------------------------
                              SECURITIES             % OF          ALL INDUSTRIES           FINANCIAL SERVICES INDUSTRY  
                              ----------   GROSS     ALL    ---------------------------  --------------------------------
                                 GROSS    UNREAL-   EQUITY     GROSS        % OF ALL        GROSS                   % A  
                              UNREALIZED    IZED   SECURI-  UNREALIZED   NON-REDEEMABLE  UNREALIZED   % OF ALL   RATED OR
                                 LOSS       LOSS     TIES      LOSS     PREFERRED STOCK     LOSS     INDUSTRIES   BETTER 
                              ----------  -------  -------  ----------  ---------------  ----------  ----------  --------
                                                                   (IN MILLIONS)                                         
                                                                                                                         
Less than six months........     $ 13       $ 11      85%      $  7            64%          $  7         100%       100% 
Six months or greater but                                                                                                
  less than twelve months...       20         20     100%        20           100%            20         100%        65% 
Twelve months or greater....       99         99     100%        99           100%            99         100%        82% 
                                 ----       ----               ----                         ----                         
All equity securities with a                                                                                             
  gross unrealized loss of                                                                                               
  20% or more...............     $132       $130      98%      $126            97%          $126         100%        80% 
                                 ====       ====               ====                         ====                         


 In connection with the equity securities impairment review process, the
Company evaluated its holdings in non-redeemable preferred stock, particularly  
those companies in the financial services industry. The Company considered      
several factors including whether there has been any deterioration in credit of 
the issuer and the likelihood of recovery in value of non-redeemable preferred  
stock with a severe or an extended unrealized loss. The                         

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Company also considered whether any issuers of non-redeemable preferred stock   
with an unrealized loss held by the Company, regardless of credit rating, have  
deferred any dividend payments. No such dividend payments had been deferred.    

    With respect to common stock holdings, the Company considered the duration
and severity of the unrealized losses for securities in an unrealized loss      
position of 20% or more; and the duration of unrealized losses for securities in
an unrealized loss position of less than 20% in an extended unrealized loss     
position (i.e., 12 months or greater).                                          

Future OTTIs will depend primarily on economic fundamentals, issuer   
performance (including changes in the present value of future cash flows        
expected to be collected), changes in credit rating, changes in collateral      
valuation, changes in interest rates and changes in credit spreads. If economic 
fundamentals and any of the above factors deteriorate, additional OTTIs may be  
incurred in upcoming quarters.                                                  

NET INVESTMENT GAINS (LOSSES)                                               

   See "-- Evaluating Available-for-Sale Securities for Other-Than-Temporary
Impairment" for a discussion of changes in guidance adopted April 1, 2009 that  
impacted how fixed maturity security OTTI losses that are charged to earnings   
are measured.                                                                   

The components of net investment gains (losses) were as follows:      

                                                        [Enlarge/Download Table]

                                                            YEARS ENDED DECEMBER 31, 
                                                           ------------------------- 
                                                            2010     2009      2008  
                                                           -----   -------   ------- 
                                                                 (IN MILLIONS)       
                                                                                     
Total gains (losses) on fixed maturity securities:                                   
  Total OTTI losses recognized...........................  $(510)  $(1,521)  $  (787)
  Less: Noncredit portion of OTTI losses transferred to                              
     and recognized in other comprehensive income                                    
     (loss)..............................................    150       623        -- 
                                                           -----   -------   ------- 
  Net OTTI losses on fixed maturity securities recognized                            
     in earnings.........................................   (360)     (898)     (787)
  Fixed maturity securities -- net gains (losses) on                                 
     sales and disposals.................................    129        (7)     (275)
                                                           -----   -------   ------- 
     Total losses on fixed maturity securities...........   (231)     (905)   (1,062)
Other net investment gains (losses):                                                 
  Equity securities......................................     70      (255)      (90)
  Mortgage loans.........................................     59      (373)      (88)
  Real estate and real estate joint ventures.............    (33)     (100)      (18)
  Other limited partnership interests....................     (5)     (284)     (131)
  Other investment portfolio gains (losses)..............     36       (38)      146 
                                                           -----   -------   ------- 
     Subtotal -- investment portfolio gains (losses).....   (104)   (1,955)   (1,243)
FVO consolidated securitization entities:                                            
  Securities.............................................    (78)       --        -- 
  Long term debt -- related to securities................     48        --        -- 
  Other gains (losses)...................................    (36)      288      (286)
                                                           -----   -------   ------- 
     Subtotal FVO consolidated securitization entities                               
       and other gains (losses)..........................    (66)      288      (286)
                                                           -----   -------   ------- 
       Total net investment gains (losses)...............  $(170)  $(1,667)  $(1,529)
                                                           =====   =======   ======= 


    See "-- Variable Interest Entities" for discussion of CSEs included in the
table above.                                                                    

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     See "-- Related Party Investment Transactions" for discussion of affiliated
net investment gains (losses) related to internal asset transfers included in   
the table above.                                                                

Gains (losses) from foreign currency transactions included within net 
investment gains (losses) were $18 million, $317 million and ($184) million for 
the years ended December 31, 2010, 2009 and 2008, respectively.                 

  Proceeds from sales or disposals of fixed maturity and equity securities
and the components of fixed maturity and equity securities net investment gains 
(losses) were as shown below. Investment gains and losses on sales of securities
are determined on a specific identification basis.                              

                                                        [Enlarge/Download Table]

                                                              YEARS ENDED DECEMBER                                  
                                YEARS ENDED DECEMBER 31,              31,                YEARS ENDED DECEMBER 31,   
                              ---------------------------   -----------------------   ----------------------------- 
                                2010      2009      2008    2010     2009     2008      2010       2009       2008  
                              -------   -------   -------   ----    -----    ------   -------    -------    ------- 
                               FIXED MATURITY SECURITIES       EQUITY SECURITIES                  TOTAL             
                              ---------------------------   -----------------------   ----------------------------- 
                                                            (IN MILLIONS)                                           
                                                                                                                    
Proceeds..................... $30,817   $24,900   $42,785   $429    $ 658    $1,888   $31,246    $25,558    $44,673 
                              =======   =======   =======   ====    =====    ======   =======    =======    ======= 
Gross investment gains....... $   544   $   685   $   631   $ 88    $ 118    $  412   $   632    $   803    $ 1,043 
                              -------   -------   -------   ----    -----    ------   -------    -------    ------- 
Gross investment losses......    (415)     (692)     (906)   (11)     (90)     (223)     (426)      (782)    (1,129)
                              -------   -------   -------   ----    -----    ------   -------    -------    ------- 
Total OTTI losses recognized                                                                                        
  in earnings: Credit-                                                                                              
  related....................    (334)     (632)     (668)    --       --        --      (334)      (632)      (668)
  Other (1)..................     (26)     (266)     (119)    (7)    (283)     (279)      (33)      (549)      (398)
                              -------   -------   -------   ----    -----    ------   -------    -------    ------- 
     Total OTTI losses                                                                                              
       recognized in                                                                                                
       earnings..............    (360)     (898)     (787)    (7)    (283)     (279)     (367)    (1,181)    (1,066)
                              -------   -------   -------   ----    -----    ------   -------    -------    ------- 
Net investment gains                                                                                                
  (losses)................... $  (231)  $  (905)  $(1,062)  $ 70    $(255)   $  (90)  $  (161)   $(1,160)   $(1,152)
                              =======   =======   =======   ====    =====    ======   =======    =======    ======= 


--------                                                                        

(1) Other OTTI losses recognized in earnings include impairments on equity
      securities, impairments on 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 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.                  

   Fixed maturity security OTTI losses recognized in earnings related to the
following sectors and industries within the U.S. and foreign corporate          
securities sector:                                                              

                                                                [Download Table]

                                                             YEARS ENDED DECEMBER 
                                                                      31,         
                                                            ----------------------
                                                            2010     2009     2008
                                                            ----     ----     ----
                                                                 (IN MILLIONS)    
                                                                                  
Sector:                                                                           
U.S. and foreign corporate securities -- by industry:                             
  Finance.................................................. $117     $284     $361
  Consumer.................................................   20      127       71
  Communications...........................................   10      130      109
  Utility..................................................    1       81        5
  Industrial...............................................   --        9       26
  Other industries.........................................   --       27      144
                                                            ----     ----     ----
     Total U.S. and foreign corporate securities...........  148      658      716
  ABS......................................................   85       95       61
  RMBS.....................................................   68      127       --
  CMBS.....................................................   59       18       --
  Foreign government securities............................   --       --       10
                                                            ----     ----     ----
     Total................................................. $360     $898     $787
                                                            ====     ====     ====


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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     Equity security OTTI losses recognized in earnings related to the following
sectors and industries:                                                         

                                                                [Download Table]

                                                           YEARS ENDED DECEMBER 31,
                                                           ------------------------
                                                           2010      2009      2008
                                                           ----      ----      ----
                                                                 (IN MILLIONS)     
                                                                                   
Sector:                                                                            
  Common stock............................................  $ 4      $ 55      $ 82
  Non-redeemable preferred stock..........................    3       228       197
                                                            ---      ----      ----
          Total...........................................  $ 7      $283      $279
                                                            ===      ====      ====
Industry:                                                                          
  Financial services industry:                                                     
     Perpetual hybrid securities..........................  $ 3      $228      $ 38
     Common and remaining non-redeemable preferred stock..   --        25       180
                                                            ---      ----      ----
       Total financial services industry..................    3       253       218
  Other industries........................................    4        30        61
                                                            ---      ----      ----
          Total...........................................  $ 7      $283      $279
                                                            ===      ====      ====


  CREDIT LOSS ROLLFORWARD -- 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 OTHER COMPREHENSIVE  
INCOME (LOSS)                                                               

The table below presents a rollforward of the cumulative credit loss  
component of OTTI loss recognized in earnings on fixed maturity securities still
held by the Company at the respective time period, for which a portion of the   
OTTI loss was recognized in other comprehensive income (loss):                  

                                                                [Download Table]

                                                              YEARS ENDED DECEMBER 
                                                                       31,         
                                                              -------------------- 
                                                               2010           2009 
                                                              -----           ---- 
                                                                  (IN MILLIONS)    
                                                                                   
Balance, at January 1,......................................  $ 303           $ -- 
Credit loss component of OTTI loss not reclassified to other                       
  comprehensive income (loss) in the cumulative effect                             
  transition adjustment.....................................     --            110 
Additions:                                                                         
  Initial impairments -- credit loss OTTI recognized on                            
     securities not previously impaired.....................     91            188 
  Additional impairments -- credit loss OTTI recognized on                         
     securities previously impaired.........................     91             36 
Reductions:                                                                        
  Due to sales (maturities, pay downs or prepayments) during                       
     the period of securities previously credit loss OTTI                          
     impaired...............................................   (149)           (30)
  Due to securities impaired to net present value of                               
     expected future cash flows.............................     (1)            -- 
  Due to increases in cash flows -- accretion of previous                          
     credit loss OTTI.......................................     (5)            (1)
                                                              -----           ---- 
Balance, at December 31,....................................  $ 330           $303 
                                                              =====           ==== 


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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

NET INVESTMENT INCOME                                                       

The components of net investment income were as follows:              

                                                                [Download Table]

                                                          YEARS ENDED DECEMBER 31,  
                                                        --------------------------- 
                                                          2010      2009      2008  
                                                        -------   -------   ------- 
                                                               (IN MILLIONS)        
                                                                                    
Investment income:                                                                  
Fixed maturity securities.............................. $ 8,147   $ 7,799   $ 8,830 
Equity securities......................................      89       126       174 
Trading and other securities -- Actively Traded                                     
  Securities and FVO general account securities........      72       116       (21)
Mortgage loans.........................................   2,258     2,236     2,387 
Policy loans...........................................     515       504       475 
Real estate and real estate joint ventures.............     396      (137)      499 
Other limited partnership interests....................     684       147       (92)
Cash, cash equivalents and short-term investments......      15        27       134 
International joint ventures...........................      14         7        (1)
Other..................................................     111       104       202 
                                                        -------   -------   ------- 
  Subtotal.............................................  12,301    10,929    12,587 
Less: Investment expenses..............................     711       740     1,473 
                                                        -------   -------   ------- 
  Subtotal, net........................................  11,590    10,189    11,114 
                                                        -------   -------   ------- 
FVO consolidated securitization entities:                                           
  Securities...........................................      15        --        -- 
                                                        -------   -------   ------- 
     Net investment income............................. $11,605   $10,189   $11,114 
                                                        =======   =======   ======= 


   Affiliated investment income included in the table above was $78 million,
$44 million and $29 million related to fixed maturity securities for the years  
ended December 31, 2010, 2009 and 2008, respectively. Affiliated investment     
income related to short-term investments included in the table above was less   
than $1 million for each of the years ended December 31, 2010 and 2009, and was 
$2 million for the year ended December 31, 2008. The Company provides investment
administrative services to certain affiliates. Investment administrative service
costs charged to these affiliates, which reduced investment expenses in the     
table above, were $107 million, $87 million and $67 million for the years ended 
December 31, 2010, 2009 and 2008, respectively.                                 

    See "-- Variable Interest Entities" for discussion of CSEs included in the
table above.                                                                    

     See "-- Related Party Investment Transactions" for discussion of additional
affiliated net investment income related to short-term investments included in  
the table above.                                                                

SECURITIES LENDING                                                          

   The Company participates in securities lending programs whereby blocks of
securities, which are included in fixed maturity securities and short-term      
investments, are loaned to third parties, primarily brokerage firms and         
commercial banks. The Company generally obtains collateral, generally cash, in  
an amount equal to 102% of the estimated fair value of the securities loaned,   
which is obtained at the inception of a loan and maintained at a level greater  
than or equal to 100% for the duration of the loan. Securities loaned under such
transactions may be sold or repledged by the transferee. The Company is liable  
to return to its counterparties the cash collateral under its                   

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

control. These transactions are treated as financing arrangements and the       
associated liability is recorded at the amount of the cash received.            

Elements of the securities lending programs are presented below at:   

                                                                [Download Table]

                                                                  DECEMBER 31,  
                                                               -----------------
                                                                 2010      2009 
                                                               -------   -------
                                                                 (IN MILLIONS)  
                                                                                
Securities on loan:                                                             
  Amortized cost.............................................. $15,274   $13,468
  Estimated fair value........................................ $15,682   $13,523
Aging of cash collateral liability:                                             
  Open (1).................................................... $ 1,262   $ 1,611
  Less than thirty days.......................................   8,213     9,810
  Thirty days or greater but less than sixty days.............   3,005     1,684
  Sixty days or greater but less than ninety days.............   1,683        41
  Ninety days or greater......................................   1,818       734
                                                               -------   -------
     Total cash collateral liability.......................... $15,981   $13,880
                                                               =======   =======
Security collateral on deposit from counterparties............ $    --   $     6
                                                               =======   =======
Reinvestment portfolio -- estimated fair value................ $15,789   $13,373
                                                               =======   =======


--------                                                                        

   (1) Open -- meaning that the related loaned security could be returned to the
   Company on the next business day requiring the Company to immediately
return the cash collateral.                                       

The estimated fair value of the securities on loan related to the cash
collateral on open at December 31, 2010 was $1,238 million, of which $985       
million were U.S. Treasury, agency and government guaranteed securities which,  
if put to the Company, can be immediately sold to satisfy the cash requirements.
The remainder of the securities on loan were primarily U.S. Treasury, agency and
government guaranteed securities, and very liquid RMBS. The reinvestment        
portfolio acquired with the cash collateral consisted principally of fixed      
maturity securities (including RMBS, U.S. corporate, U.S. Treasury, agency and  
government guaranteed, ABS, foreign corporate and CMBS).                        

   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 consolidated financial  
statements. Separately, the Company had $49 million and $46 million, at         
estimated fair value, of cash and security collateral on deposit from a         
counterparty to secure its interest in a pooled investment that is held by a    
third-party trustee, as custodian, at December 31, 2010 and 2009, respectively. 
This pooled investment is included within fixed maturity securities and had an  
estimated fair value of $49 million and $51 million at December 31, 2010 and    
2009, respectively.                                                             

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

INVESTED ASSETS ON DEPOSIT AND PLEDGED AS COLLATERAL                        

  The invested assets on deposit and invested assets pledged as collateral
are presented in the table below. The amounts presented in the table below are  
at estimated fair value for cash and cash equivalents, short-term investments,  
fixed maturity, equity, trading and other securities and at carrying value for  
mortgage loans.                                                                 

                                                                [Download Table]

                                                                  DECEMBER 31,  
                                                               -----------------
                                                                 2010      2009 
                                                               -------   -------
                                                                 (IN MILLIONS)  
                                                                                
Invested assets on deposit:                                                     
  Regulatory agencies (1)..................................... $ 1,491   $ 1,296
Invested assets pledged as collateral:                                          
  Funding agreements -- FHLB of NY (2)........................  14,204    15,084
  Funding agreements -- Farmer Mac (3)........................   2,928     2,871
  Derivative transactions (4).................................     141       290
  Short sale agreements (5)...................................     465       496
                                                               -------   -------
     Total invested assets on deposit and pledged as                            
       collateral............................................. $19,229   $20,037
                                                               =======   =======


--------                                                                        

(1) The Company has investment assets on deposit with regulatory agencies 
consisting primarily of cash and cash equivalents, short-term     
investments, fixed maturity securities and equity securities.     

(2) The Company has pledged fixed maturity securities in support of its   
      funding agreements with the Federal Home Loan Bank of New York ("FHLB of
       NY"). The nature of these FHLB of NY arrangements is described in Note 8.

   (3) The Company has pledged certain agricultural mortgage loans in connection
with funding agreements issued to certain SPEs that have issued   
    securities guaranteed by the Federal Agricultural Mortgage Corporation
      ("Farmer Mac"). The nature of these Farmer Mac arrangements is described
in Note 8.                                                        

(4) Certain of the Company's invested assets are pledged as collateral for
various derivative transactions as described in Note 3.           

(5) Certain of the Company's Actively Traded Securities and cash and cash 
      equivalents are pledged to secure liabilities associated with short sale
agreements in the Actively Traded Securities portfolio.           

See also "-- Securities Lending" for the amount of the Company's cash 
received from and due back to counterparties pursuant to the Company's          
securities lending program. See "-- Variable Interest Entities" for assets of   
certain CSEs that can only be used to settle liabilities of such entities.      

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

TRADING AND OTHER SECURITIES                                                

  The tables below present certain information about the Company's trading
securities and other securities for which the FVO has been elected:             

                                                                [Download Table]

                                                                   DECEMBER 31, 
                                                                   ------------ 
                                                                   2010    2009 
                                                                   ----   ----- 
                                                                        (IN     
                                                                     MILLIONS)  
                                                                                
Actively Traded Securities.......................................  $463   $ 420 
FVO general account securities...................................    71      51 
FVO securities held by consolidated securitization entities......   201      -- 
                                                                   ----   ----- 
  Total trading and other securities -- at estimated fair value..  $735   $ 471 
                                                                   ====   ===== 
Actively Traded Securities -- at estimated fair value............  $463   $ 420 
Short sale agreement liabilities -- at estimated fair value......   (46)   (106)
                                                                   ----   ----- 
Net long/short position -- at estimated fair value...............  $417   $ 314 
                                                                   ====   ===== 
Investments pledged to secure short sale agreement liabilities...  $465   $ 496 
                                                                   ====   ===== 


                                                        [Enlarge/Download Table]

                                                               YEARS ENDED DECEMBER  
                                                                        31,          
                                                              ---------------------- 
                                                              2010     2009     2008 
                                                              ----     ----     ---- 
                                                                   (IN MILLIONS)     
                                                                                     
Actively Traded Securities:                                                          
  Net investment income.....................................  $ 54      $98     $(13)
  Changes in estimated fair value included in net investment                         
     income.................................................  $ 12      $18     $ (2)
FVO general account securities:                                                      
  Net investment income.....................................  $ 18      $18     $ (8)
  Changes in estimated fair value included in net investment                         
     income.................................................  $ 18      $13     $(15)
FVO securities held by consolidated securitization entities:                         
  Net investment income.....................................  $ 15      $--     $ -- 
  Changes in estimated fair value included in net investment                         
     gains (losses).........................................  $(78)     $--     $ -- 

    See "-- Variable Interest Entities" for discussion of CSEs included in the
tables above.                                                                   

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

MORTGAGE LOANS                                                              

Mortgage loans are summarized as follows at:                          

                                                        [Enlarge/Download Table]

                                                                DECEMBER 31,            
                                                    ----------------------------------- 
                                                          2010               2009       
                                                    ----------------   ---------------- 
                                                    CARRYING    % OF   CARRYING    % OF 
                                                      VALUE    TOTAL     VALUE    TOTAL 
                                                    --------   -----   --------   ----- 
                                                                 (IN MILLIONS)          
                                                                                        
Mortgage loans:                                                                         
  Commercial mortgage loans........................  $31,080    74.6%   $30,426    74.9%
  Agricultural mortgage loans......................   11,108    26.7     10,787    26.6 
  Residential mortgage loans.......................        1      --          1      -- 
                                                     -------   -----    -------   ----- 
     Subtotal mortgage loans.......................   42,189   101.3     41,214   101.5 
  Valuation allowances.............................     (522)   (1.3)      (594)   (1.5)
                                                     -------   -----    -------   ----- 
Total mortgage loans, net..........................  $41,667   100.0%   $40,620   100.0%
                                                     =======   =====    =======   ===== 


    See "-- Variable Interest Entities" for discussion of CSEs included in the
table above.                                                                    

   Concentration of Credit Risk -- The Company diversifies its mortgage loan
portfolio by both geographic region and property type to reduce the risk of     
concentration. The Company's commercial and agricultural mortgage loans are     
collateralized by properties primarily located in the United States, at 91%,    
with the remaining 9% collateralized by properties located outside the United   
States. The carrying value of the Company's commercial and agricultural mortgage
loans located in California, New York and Texas were 20%, 8% and 7%,            
respectively, of total mortgage loans at December 31, 2010. Additionally, the   
Company manages risk when originating commercial and agricultural mortgage loans
by generally lending only up to 75% of the estimated fair value of the          
underlying real estate.                                                         

 Certain of the Company's real estate joint ventures have mortgage loans
with the Company. The carrying values of such mortgage loans were $283 million  
and $368 million at December 31, 2010 and 2009, respectively.                   

    The following tables present the 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, at:                               

                                                        [Enlarge/Download Table]

                                                                   DECEMBER 31,                             
                                     -----------------------------------------------------------------------
                                       2010      2009      2010      2009    2010   2009     2010      2009 
                                     -------   -------   -------   -------   ----   ----   -------   -------
                                         COMMERCIAL         AGRICULTURAL     RESIDENTIAL         TOTAL      
                                     -----------------   -----------------   -----------   -----------------
                                                                    (IN MILLIONS)                           
                                                                                                            
Mortgage loans:                                                                                             
  Evaluated individually for credit                                                                         
     losses........................  $    96   $    58   $   147   $   191    $--    $--   $   243   $   249
  Evaluated collectively for credit                                                                         
     losses........................   30,984    30,368    10,961    10,596      1      1    41,946    40,965
                                     -------   -------   -------   -------    ---    ---   -------   -------
     Total mortgage loans..........   31,080    30,426    11,108    10,787      1      1    42,189    41,214
                                     -------   -------   -------   -------    ---    ---   -------   -------
Valuation allowances:                                                                                       
  Specific credit losses...........       13        12        52        74     --     --        65        86
  Non-specifically identified                                                                               
     credit losses.................      428       480        29        28     --     --       457       508
                                     -------   -------   -------   -------    ---    ---   -------   -------
     Total valuation allowances....      441       492        81       102     --     --       522       594
                                     -------   -------   -------   -------    ---    ---   -------   -------
Mortgage loans, net of valuation                                                                            
  allowance........................  $30,639   $29,934   $11,027   $10,685    $ 1    $ 1   $41,667   $40,620
                                     =======   =======   =======   =======    ===    ===   =======   =======


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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

 The following tables present the changes in the valuation allowance, by
portfolio segment:                                                              

                                                        [Enlarge/Download Table]

                                                      MORTGAGE LOAN VALUATION ALLOWANCES       
                                               ----------------------------------------------- 
                                               COMMERCIAL   AGRICULTURAL   RESIDENTIAL   TOTAL 
                                               ----------   ------------   -----------   ----- 
                                                                   (IN MILLIONS)               
                                                                                               
Balance at January 1, 2008....................    $156          $ 23           $ 2       $ 181 
  Provision (release).........................     127            47            --         174 
  Charge-offs, net of recoveries..............     (99)          (12)           --        (111)
                                                  ----          ----           ---       ----- 
Balance at December 31, 2008..................     184            58             2         244 
  Provision (release).........................     325            69            --         394 
  Charge-offs, net of recoveries..............     (17)          (25)           (2)        (44)
                                                  ----          ----           ---       ----- 
Balance at December 31, 2009..................     492           102            --         594 
  Provision (release).........................     (39)           12            --         (27)
  Charge-offs, net of recoveries..............     (12)          (33)           --         (45)
                                                  ----          ----           ---       ----- 
Balance at December 31, 2010..................    $441          $ 81           $--       $ 522 
                                                  ====          ====           ===       ===== 


  Commercial Mortgage Loans -- by Credit Quality Indicators with Estimated
Fair Value:  Presented below for commercial mortgage loans is the recorded      
investment, prior to valuation allowances, by the indicated loan-to-value ratio 
categories and debt service coverage ratio categories and estimated fair value  
of such mortgage loans by the indicated loan-to-value ratio categories at:      

                                                        [Enlarge/Download Table]

                                                             DECEMBER 31, 2010                                  
                           -------------------------------------------------------------------------------------
                                              RECORDED INVESTMENT                                               
                           --------------------------------------------------------                             
                              DEBT SERVICE COVERAGE RATIOS                                                      
                           ---------------------------------                            ESTIMATED               
                           > 1.20X   1.00X - 1.20X   < 1.00X    TOTAL    % OF TOTAL     FAIR VALUE    % OF TOTAL
                           -------   -------------   -------   -------   ----------   -------------   ----------
                                          (IN MILLIONS)                               (IN MILLIONS)             
                                                                                                                
Loan-to-value ratios:                                                                                           
Less than 65%............. $13,864       $  100       $  425   $14,389       46.3%       $15,203          47.5% 
65% to 75%................   7,658          611          343     8,612       27.7          8,955          28.0  
76% to 80%................   2,534          166          128     2,828        9.1          2,883           9.0  
Greater than 80%..........   3,002        1,625          624     5,251       16.9          4,978          15.5  
                           -------       ------       ------   -------      -----        -------         -----  
  Total................... $27,058       $2,502       $1,520   $31,080      100.0%       $32,019         100.0% 
                           =======       ======       ======   =======      =====        =======         =====  


Agricultural and Residential Mortgage Loans -- by Credit Quality      
Indicator:  The recorded investment in agricultural and residential mortgage    
loans, prior to valuation allowances, by credit quality indicator, was at:      

                                                        [Enlarge/Download Table]

                                                                DECEMBER 31, 2010                                      
                         ----------------------------------------------------------------------------------------------
                            AGRICULTURAL MORTGAGE LOANS                                   RESIDENTIAL MORTGAGE LOANS   
                         --------------------------------                              --------------------------------
                         RECORDED INVESTMENT   % OF TOTAL                              RECORDED INVESTMENT   % OF TOTAL
                         -------------------   ----------                              -------------------   ----------
                            (IN MILLIONS)                                                 (IN MILLIONS)                
                                                                                                                       
Loan-to-value ratios:                                       Performance indicators:                                    
Less than 65%...........       $ 9,896             89.1%    Performing..............           $ 1              100.0% 
65% to 75%..............           829              7.5     Nonperforming...........            --                 --  
                                                                                               ---              -----  
76% to 80%..............            48              0.4       Total.................           $ 1              100.0% 
                                                                                               ===              =====  
Greater than 80%........           335              3.0                                                                
                               -------            -----                                                                
  Total.................       $11,108            100.0%                                                               
                               =======            =====                                                                


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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

    Past Due and Interest Accrual Status of Mortgage Loans.  The Company has a
high quality, well performing, mortgage loan portfolio with approximately 99% of
all mortgage loans classified as performing.                                    

  Past Due.  The Company defines delinquent mortgage loans consistent with
industry practice, when interest and principal payments are past due as follows:
commercial mortgage loans -- 60 days past due; agricultural mortgage loans -- 90
days past due; and residential mortgage loans -- 60 days past due. The recorded 
investment in mortgage loans, prior to valuation allowances, past due according 
to these aging categories, was $51 million, $145 million and $0 for commercial, 
agricultural and residential mortgage loans, respectively, at December 31, 2010;
and for all mortgage loans was $196 million and $120 million at December 31,    
2010 and 2009, respectively.                                                    

     Accrual Status.  Past Due 90 Days or More and Still Accruing Interest.  The
recorded investment in mortgage loans, prior to valuation allowances, that were 
past due 90 days or more and still accruing interest was $0, $9 million and $0  
for commercial, agricultural and residential mortgage loans, respectively, at   
December 31, 2010; and for all mortgage loans, was $9 million and $1 million at 
December 31, 2010 and 2009, respectively.                                       

Accrual Status.  Mortgage Loans in Nonaccrual Status.  The recorded   
investment in mortgage loans, prior to valuation allowances, that were in       
nonaccrual status was $6 million, $166 million and $0 for commercial,           
agricultural and residential mortgage loans, respectively, at December 31, 2010;
and for all mortgage loans, was $172 million and $119 million at December 31,   
2010 and 2009, respectively.                                                    

Impaired Mortgage Loans.  The unpaid principal balance, recorded      
investment, valuation allowances and carrying value, net of valuation           
allowances, for impaired mortgage loans, by portfolio segment, at December 31,  
2010, and for all impaired mortgage loans at December 31, 2009, were as follows 
at:                                                                             

                                                        [Enlarge/Download Table]

                                                                IMPAIRED MORTGAGE LOANS                                   
                            ----------------------------------------------------------------------------------------------
                                                                                  LOANS WITHOUT                           
                                   LOANS WITH A VALUATION ALLOWANCE           A VALUATION ALLOWANCE    ALL IMPAIRED LOANS 
                            ----------------------------------------------   ----------------------   --------------------
                              UNPAID                                           UNPAID                   UNPAID            
                            PRINCIPAL    RECORDED     VALUATION   CARRYING   PRINCIPAL    RECORDED    PRINCIPAL   CARRYING
                             BALANCE    INVESTMENT   ALLOWANCES     VALUE     BALANCE    INVESTMENT    BALANCE      VALUE 
                            ---------   ----------   ----------   --------   ---------   ----------   ---------   --------
                                                                      (IN MILLIONS)                                       
                                                                                                                          
AT DECEMBER 31, 2010:                                                                                                     
  Commercial mortgage                                                                                                     
     loans.................    $ 96        $ 96          $13        $ 83        $ 94        $ 82         $190       $165  
  Agricultural mortgage                                                                                                   
     loans.................     146         146           52          94         107         104          253        198  
                               ----        ----          ---        ----        ----        ----         ----       ----  
     Total.................    $242        $242          $65        $177        $201        $186         $443       $363  
                               ====        ====          ===        ====        ====        ====         ====       ====  
TOTAL MORTGAGE LOANS AT                                                                                                   
  DECEMBER 31, 2009........    $249        $249          $86        $163        $ 89        $ 89         $338       $252  
                               ====        ====          ===        ====        ====        ====         ====       ====  


Unpaid principal balance is generally prior to any charge-off.        

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     The average investment in impaired mortgage loans, and the related interest
income, by portfolio segment, for the year ended December 31, 2010 and for all  
mortgage loans for the years ended December 31, 2009 and 2008, respectively,    
was:                                                                            

                                                        [Enlarge/Download Table]

                                                            IMPAIRED MORTGAGE LOANS            
                                                -----------------------------------------------
                                                AVERAGE INVESTMENT   INTEREST INCOME RECOGNIZED
                                                ------------------   --------------------------
                                                                     CASH BASIS   ACCRUAL BASIS
                                                                     ----------   -------------
                                                                 (IN MILLIONS)                 
                                                                                               
FOR THE YEAR ENDED DECEMBER 31, 2010:                                                          
  Commercial mortgage loans....................        $126              $ 3           $ 1     
  Agricultural mortgage loans..................         259                6             2     
  Residential mortgage loans...................          --               --            --     
                                                       ----              ---           ---     
     Total.....................................        $385              $ 9           $ 3     
                                                       ====              ===           ===     
FOR THE YEAR ENDED DECEMBER 31, 2009...........        $288              $ 5           $ 1     
                                                       ====              ===           ===     
FOR THE YEAR ENDED DECEMBER 31, 2008...........        $315              $11           $10     
                                                       ====              ===           ===     


REAL ESTATE AND REAL ESTATE JOINT VENTURES                                  

Real estate investments by type consisted of the following:           

                                                        [Enlarge/Download Table]

                                                                DECEMBER 31,            
                                                    ----------------------------------- 
                                                          2010               2009       
                                                    ----------------   ---------------- 
                                                    CARRYING    % OF   CARRYING    % OF 
                                                      VALUE    TOTAL     VALUE    TOTAL 
                                                    --------   -----   --------   ----- 
                                                                 (IN MILLIONS)          
                                                                                        
Traditional........................................  $3,387     58.9%   $3,345     58.6%
Real estate joint ventures and funds...............   2,279     39.6     2,190     38.3 
                                                     ------    -----    ------    ----- 
  Real estate and real estate joint ventures.......   5,666     98.5     5,535     96.9 
Foreclosed.........................................      85      1.4       121      2.1 
                                                     ------    -----    ------    ----- 
  Real estate held-for-investment..................   5,751     99.9     5,656     99.0 
Real estate held-for-sale..........................       4      0.1        55      1.0 
                                                     ------    -----    ------    ----- 
  Total real estate and real estate joint                                               
     ventures......................................  $5,755    100.0%   $5,711    100.0%
                                                     ======    =====    ======    ===== 


 The Company classifies within traditional real estate its investment in
income-producing real estate, which is comprised primarily of wholly-owned real 
estate and to a much lesser extent joint ventures with interests in single      
property income-producing real estate. The Company classifies within real estate
joint ventures and funds, its investments in joint ventures with interests in   
multi-property projects with varying strategies ranging from the development of 
properties to the operation of income-producing properties; as well as its      
investments in real estate private equity funds. From time to time, the Company 
transfers investments from these joint ventures to traditional real estate, if  
the Company retains an interest in the joint venture after a completed property 
commences operations and the Company intends to retain an interest in the       
property.                                                                       

   Properties acquired through foreclosure were $48 million and $121 million
for the years ended December 31, 2010 and 2009, respectively, and includes      
commercial and agricultural properties. There were no properties acquired       
through foreclosure for the year ended December 31, 2008. After the Company     
acquires properties through foreclosure, it evaluates whether the property is   
appropriate for retention in its traditional real estate portfolio. Foreclosed  
real estate held at December 31, 2010 and 2009 includes those properties the    
Company has not                                                                 

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

selected for retention in its traditional real estate portfolio and which do not
meet the criteria to be classified as held-for-sale.                            

The wholly-owned real estate within traditional real estate is net of 
accumulated depreciation of $1.5 billion and $1.4 billion at December 31, 2010  
and 2009, respectively. Related depreciation expense on traditional wholly-owned
real estate was $134 million, $120 million and $120 million for the years ended 
December 31, 2010, 2009 and 2008, respectively. These amounts include           
depreciation expense related to discontinued operations of less than $1 million 
for the year ended December 31, 2010, and $1 million for both the years ended   
December 31, 2009 and 2008.                                                     

     Impairments recognized on real estate held-for-investment were $27 million,
$96 million and $20 million for the years ended December 31, 2010, 2009 and     
2008, respectively. Impairments recognized on real estate held-for-sale were $1 
million for the year ended December 31, 2010. There were no impairments         
recognized on real estate held-for-sale for each of the years ended December 31,
2009 and 2008. The Company's carrying value of real estate held-for-sale has    
been reduced by impairments recorded prior to 2009 of $1 million at both        
December 31, 2010 and 2009. The carrying value of non-income producing real     
estate was $94 million, $72 million and $27 million at December 31, 2010, 2009  
and 2008, respectively.                                                         

The Company diversifies its real estate investments by both geographic
region and property type to reduce risk of concentration. The Company's real    
estate investments are primarily located in the United States, and at December  
31, 2010, 22%, 15%, 11% and 11% were located in California, Florida, New York   
and Texas, respectively.                                                        

   The Company's real estate investments by property type are categorized as
follows:                                                                        

                                                        [Enlarge/Download Table]

                                                                DECEMBER 31,            
                                                    ----------------------------------- 
                                                          2010               2009       
                                                    ----------------   ---------------- 
                                                    CARRYING    % OF   CARRYING    % OF 
                                                      VALUE    TOTAL     VALUE    TOTAL 
                                                    --------   -----   --------   ----- 
                                                                 (IN MILLIONS)          
                                                                                        
Office.............................................  $2,772     48.2%   $2,770     48.5%
Apartments.........................................   1,439     25.0     1,366     23.9 
Industrial.........................................     418      7.3       411      7.2 
Real estate investment funds.......................     404      7.0       405      7.1 
Retail.............................................     380      6.6       443      7.8 
Hotel..............................................     216      3.7       190      3.3 
Land...............................................      74      1.3        22      0.4 
Agriculture........................................      17      0.3        46      0.8 
Other..............................................      35      0.6        58      1.0 
                                                     ------    -----    ------    ----- 
  Total real estate and real estate joint                                               
     ventures......................................  $5,755    100.0%   $5,711    100.0%
                                                     ======    =====    ======    ===== 


OTHER LIMITED PARTNERSHIP INTERESTS                                         

    The carrying value of other limited partnership interests (which primarily
represent ownership interests in pooled investment funds that principally make  
private equity investments in companies in the United States and overseas) was  
$4.5 billion and $4.2 billion at December 31, 2010 and 2009, respectively.      
Included within other limited partnership interests were $604 million and $617  
million at December 31, 2010 and 2009, respectively, of investments in hedge    
funds. Impairments of other limited partnership interests, principally cost     
method other limited partnership interests, were $2 million, $288 million and   
$99 million for the years ended December 31, 2010, 2009 and 2008, respectively. 

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (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 $5.8 billion as of December 31, 2010. 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 $1.7 billion as
of December 31, 2010. 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 further 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. As of December 31, 2010, aggregate net        
investment income from these equity method real estate joint ventures, real     
estate funds and other limited partnership interests exceeded 10% of the        
Company's consolidated pre-tax income (loss) from continuing operations.        
Accordingly, the Company is providing the following aggregated summarized       
financial data for such equity method investments. This aggregated summarized   
financial data does not represent the Company's proportionate share of the      
assets, liabilities, or earnings of such entities.                              

    As of, and for the year ended December 31, 2010, the aggregated summarized
financial data presented below reflects the latest available financial          
information. Aggregate total assets of these entities totaled $185.6 billion and
$154.1 billion as of December 31, 2010 and 2009, respectively. Aggregate total  
liabilities of these entities totaled $30.6 billion and $28.7 billion as of     
December 31, 2010 and 2009, respectively. Aggregate net income (loss) of these  
entities totaled $16.5 billion, $22 billion and ($21.2) billion for the years   
ended December 31, 2010, 2009 and 2008, respectively. Aggregate net income      
(loss) from real estate joint ventures, real estate funds and other limited     
partnership interests is primarily comprised of investment income, including    
recurring investment income and realized and unrealized investment gains        
(losses).                                                                       

OTHER INVESTED ASSETS                                                       

The following table presents the carrying value of the Company's other
invested assets by type at:                                                     

                                                        [Enlarge/Download Table]

                                                                DECEMBER 31,            
                                                    ----------------------------------- 
                                                          2010               2009       
                                                    ----------------   ---------------- 
                                                    CARRYING    % OF   CARRYING    % OF 
                                                      VALUE    TOTAL     VALUE    TOTAL 
                                                    --------   -----   --------   ----- 
                                                               (IN MILLIONS)            
                                                                                        
Freestanding derivatives with positive fair                                             
  values...........................................  $3,311     42.3%   $2,415     35.5%
Leveraged leases, net of non-recourse debt.........   1,799     23.0     1,763     25.9 
Loans to affiliates................................   1,415     18.1     1,628     23.9 
Tax credit partnerships............................     835     10.7       683     10.0 
Joint venture investments..........................      51      0.7        36      0.5 
Funds withheld.....................................      31      0.4        38      0.6 
Other..............................................     380      4.8       248      3.6 
                                                     ------    -----    ------    ----- 
  Total............................................  $7,822    100.0%   $6,811    100.0%
                                                     ======    =====    ======    ===== 


See Note 4 for information regarding the freestanding derivatives with
positive estimated fair values. See the following section "Leveraged Leases" for
the composition of leveraged leases. Loans to affiliates, some of which are     
regulated, are used by the affiliates to assist in meeting their capital        
requirements. Tax credit partnerships are established for the purpose of        
investing in low-income housing and other social causes, where the primary      
return on                                                                       

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

investment is in the form of income tax credits, and are accounted for under the
equity method or under the effective yield method. Joint venture investments are
accounted for under the equity method and represent the Company's investment in 
insurance underwriting joint ventures in China. Funds withheld represent amounts
contractually withheld by ceding companies in accordance with reinsurance       
agreements.                                                                     

Leveraged Leases                                                            

Investment in leveraged leases, included in other invested assets,    
consisted of the following:                                                     

                                                                [Download Table]

                                                                   DECEMBER 31,   
                                                                ----------------- 
                                                                  2010      2009  
                                                                -------   ------- 
                                                                  (IN MILLIONS)   
                                                                                  
Rental receivables, net........................................ $ 1,783   $ 1,690 
Estimated residual values......................................   1,136     1,225 
                                                                -------   ------- 
  Subtotal.....................................................   2,919     2,915 
Unearned income................................................  (1,120)   (1,152)
                                                                -------   ------- 
  Investment in leveraged leases............................... $ 1,799   $ 1,763 
                                                                =======   ======= 


The rental receivables set forth above are generally due in periodic  
installments. The payment periods range from one to 15 years, but in certain    
circumstances are as long as 30 years. For rental receivables, the Company's    
primary credit quality indicator is whether the rental receivable is performing 
or non-performing. The Company generally defines non-performing rental          
receivables as those that are 90 days or more past due. The determination of    
performing or non-performing status is assessed monthly. As of December 31,     
2010, all of the rental receivables were performing.                            

     The Company's deferred income tax liability related to leveraged leases was
$1.2 billion and $1.1 billion at December 31, 2010 and 2009, respectively.      

 The components of income from investment in leveraged leases, excluding
realized gains (losses), were as follows:                                       

                                                                [Download Table]

                                                           YEARS ENDED DECEMBER 31, 
                                                           ------------------------ 
                                                           2010      2009      2008 
                                                           ----      ----      ---- 
                                                                 (IN MILLIONS)      
                                                                                    
Income from investment in leveraged leases (included in                             
  net investment income).................................. $102      $ 92      $ 95 
Less: Income tax expense on leveraged leases..............  (36)      (32)      (33)
                                                           ----      ----      ---- 
Net income from investment in leveraged leases............ $ 66      $ 60      $ 62 
                                                           ====      ====      ==== 


SHORT-TERM INVESTMENTS                                                      

  The carrying value of short-term investments, which includes investments
with remaining maturities of one year or less, but greater than three months, at
the time of purchase was $2.4 billion and $3.3 billion at December 31, 2010 and 
2009, respectively. The Company is exposed to concentrations of credit risk     
related to securities of the U.S. government and certain U.S. government        
agencies included within short-term investments, which were $1.4 billion and    
$2.5 billion at December 31, 2010 and 2009, respectively.                       

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

CASH EQUIVALENTS                                                            

    The carrying value of cash equivalents, which includes investments with an
original or remaining maturity of three months or less, at the time of purchase 
was $3.1 billion and $3.0 billion at December 31, 2010 and 2009, respectively.  
The Company is exposed to concentrations of credit risk related to securities of
the U.S. government and certain U.S. government agencies included within cash   
equivalents, which were $2.5 billion and $2.3 billion at December 31, 2010 and  
2009, respectively.                                                             

PURCHASED CREDIT IMPAIRED INVESTMENTS                                       

  Investments acquired with evidence of credit quality deterioration since
origination and for which it is probable at the acquisition date that the       
Company will be unable to collect all contractually required payments are       
classified as purchased credit impaired 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 or the recognition of mortgage loan 
valuation allowances (see Note 1).                                              

The table below presents the purchased credit impaired fixed maturity 
securities held at:                                                             

                                                                [Download Table]

                                                                 DECEMBER 31, 2010
                                                                 -----------------
                                                                   (IN MILLIONS)  
                                                                                  
Outstanding principal and interest balance (1)..................       $1,163     
Carrying value (2)..............................................       $  913     

--------                                                                        

(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 purchased credit impaired
fixed maturity securities, as of their respective acquisition dates at:         

                                                                [Download Table]

                                                                 DECEMBER 31, 2010
                                                                 -----------------
                                                                   (IN MILLIONS)  
                                                                                  
Contractually required payments (including interest)............       $1,605     
Cash flows expected to be collected (1).........................       $1,540     
Fair value of investments acquired..............................       $  939     

--------                                                                        

   (1) Represents undiscounted principal and interest cash flow expectations, at
the date of acquisition.                                          

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     The following table presents activity for the accretable yield on purchased
credit impaired fixed maturity securities at:                                   

                                                                [Download Table]

                                                                 DECEMBER 31, 2010
                                                                 -----------------
                                                                   (IN MILLIONS)  
                                                                                  
Accretable yield, January 1,....................................       $  --      
  Investments purchased.........................................         601      
  Accretion recognized in net investment income.................         (62)     
  Reclassification (to) from nonaccretable difference...........        (103)     
                                                                       -----      
Accretable yield, December 31,..................................       $ 436      
                                                                       =====      


VARIABLE INTEREST ENTITIES                                                  

     The Company holds investments in certain entities that are VIEs. In certain
instances, the Company holds both the power to direct the most significant      
activities of the entity, as well as an economic interest in the entity and, as 
such, consistent with the new guidance described in Note 1, is deemed to be the 
primary beneficiary or consolidator of the entity. 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 in  
the Company's financial statements at December 31, 2010 and 2009. 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.    

                                                        [Enlarge/Download Table]

                                                                    DECEMBER 31,               
                                                    -------------------------------------------
                                                            2010                   2009        
                                                    --------------------   --------------------
                                                     TOTAL      TOTAL       TOTAL      TOTAL   
                                                    ASSETS   LIABILITIES   ASSETS   LIABILITIES
                                                    ------   -----------   ------   -----------
                                                                   (IN MILLIONS)               
                                                                                               
Consolidated securitization entities (1)...........  $243        $226       $ --        $--    
Other limited partnership interests................   194          53        367         72    
Other invested assets..............................   108           1         27          1    
Real estate joint ventures.........................    20          17         22         17    
                                                     ----        ----       ----        ---    
  Total............................................  $565        $297       $416        $90    
                                                     ====        ====       ====        ===    


--------                                                                        

(1) As discussed in Note 1, upon the adoption of new guidance effective   
January 1, 2010, the Company consolidated former QSPEs that are   
  structured as collateralized debt obligations. At December 31, 2010,
  these entities held total assets of $243 million, consisting of $201
  million of FVO securities held by CSEs classified within trading and
other securities, $39 million in cash and $3 million of accrued   
      investment income. These entities had total liabilities of $226 million,
   consisting of $184 million of long-term debt and $42 million of other
  liabilities. The assets of these entities can only be used to settle
     their respective liabilities, and under no circumstances is the Company
  or any of its subsidiaries or affiliates liable for any principal or
     interest shortfalls should any arise. The Company's exposure is limited
     to that of its remaining investment in the former QSPEs of less than $1
      million at estimated fair value at December 31, 2010. The long-term debt
      referred to above bears interest at primarily variable rates, payable on
    a bi-annual basis, and is expected to be repaid over the next 4 years.
Interest expense related to these obligations, included in other  
expenses, was $15 million for the year ended December 31, 2010.   

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  The following table presents the carrying amount and maximum exposure to
loss relating to VIEs for which the Company holds significant variable interests
but is not the primary beneficiary and which have not been consolidated at:     

                                                        [Enlarge/Download Table]

                                                                  DECEMBER 31,                 
                                                -----------------------------------------------
                                                         2010                     2009         
                                                ----------------------   ----------------------
                                                             MAXIMUM                  MAXIMUM  
                                                CARRYING     EXPOSURE    CARRYING     EXPOSURE 
                                                 AMOUNT    TO LOSS (1)    AMOUNT    TO LOSS (1)
                                                --------   -----------   --------   -----------
                                                                (IN MILLIONS)                  
                                                                                               
Fixed maturity securities available-for-sale:                                                  
  RMBS (2).....................................  $29,904     $29,904      $   --       $   --  
  CMBS (2).....................................    9,701       9,701          --           --  
  ABS (2)......................................    7,218       7,218          --           --  
  U.S. corporate securities....................    1,283       1,283         809          809  
  Foreign corporate securities.................    1,058       1,058         733          733  
Other limited partnership interests............    2,583       3,281       1,908        2,170  
Other invested assets..........................      514         694         394          387  
Real estate joint ventures.....................       24          69          --           --  
                                                 -------     -------      ------       ------  
     Total.....................................  $52,285     $53,208      $3,844       $4,099  
                                                 =======     =======      ======       ======  


--------                                                                        

(1) The maximum exposure to loss relating to the fixed maturity securities
     available-for-sale is equal to the carrying amounts or carrying amounts
       of retained interests. The maximum exposure to loss relating to the other
      limited partnership interests and real estate joint ventures 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. For certain of its investments in other invested
     assets, the Company's return is in the form of income tax credits which
     are guaranteed by a creditworthy third-party. For such investments, the
maximum exposure to loss is equal to the carrying amounts plus any
     unfunded commitments, reduced by amounts guaranteed by third parties of
$225 million and $226 million at December 31, 2010 and 2009,      
respectively.                                                     

(2) As discussed in Note 1, the Company adopted new guidance effective    
      January 1, 2010 which eliminated the concept of a QSPE. As a result, the
     Company concluded it held variable interests in RMBS, CMBS and ABS. For
these interests, the Company's involvement is limited to that of a
passive investor.                                                 

    As described in Note 13, 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, 2010, 2009 and 2008.                   

RELATED PARTY INVESTMENT TRANSACTIONS                                       

At December 31, 2010 and 2009, the Company held $445 million and $717 
million, respectively, in the Metropolitan Money Market Pool, an affiliated     
partnership, which are included in short-term investments. Net investment income
(loss) from this investment was ($1) million, $1 million and $4 million for the 
years ended December 31, 2010, 2009 and 2008, respectively.                     

The MetLife Intermediate Income Pool ("MIIP") is a New York general   
partnership consisting solely of U.S. domestic insurance companies owned        
directly or indirectly by MetLife, Inc. and is managed by and consolidated into 
the accounts of the Company. Each partner's investment in the MIIP represents   
such partner's pro rata ownership interest in the pool and is included in the   
Company's noncontrolling interests in the consolidated balance sheets. The      
affiliated companies' ownership interests in the pooled investments held by     

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

the MIIP were less than $1 million and $118 million at December 31, 2010 and    
2009, respectively. Net investment income (loss) allocated to affiliates from   
the MIIP was ($3) million, $1 million and $3 million for the years ended        
December 31, 2010, 2009 and 2008, respectively.                                 

  In the normal course of business, the Company transfers invested assets,
primarily consisting of fixed maturity securities, to and from affiliates.      
Invested assets transferred to and from affiliates, inclusive of amounts related
to reinsurance agreements, were as follows:                                     

                                                                [Download Table]

                                                             YEARS ENDED DECEMBER
                                                                      31,        
                                                             --------------------
                                                             2010    2009    2008
                                                             ----   ------   ----
                                                                 (IN MILLIONS)   
                                                                                 
Estimated fair value of invested assets transferred to                           
  affiliates................................................ $444   $   --   $230
Amortized cost of invested assets transferred to                                 
  affiliates................................................ $431   $   --   $220
Net investment gains (losses) recognized on invested assets                      
  transferred to affiliates................................. $ 13   $   --   $ 10
Estimated fair value of assets transferred from affiliates.. $582   $1,019   $ 57

     During the year ended December 31, 2009, the Company issued loans to Exeter
Reassurance Company Ltd. ("Exeter"), an affiliate, which were included in other 
invested assets. The loans outstanding were $1.0 billion at both December 31,   
2010 and 2009. The loans are due as follows: $500 million on June 30, 2014, $250
million on September 30, 2012 and $250 million on September 30, 2016, and these 
amounts bear interest, payable semi-annually, at 6.44%, 5.33% and 7.44%,        
respectively. Both principal and interest payments have been guaranteed by      
MetLife, Inc. Net investment income from this investment was $64 million and $28
million for the years ended December 31, 2010 and 2009, respectively.           

4.  DERIVATIVE FINANCIAL INSTRUMENTS                                            

ACCOUNTING FOR DERIVATIVE FINANCIAL INSTRUMENTS                             

See Note 1 for a description of the Company's accounting policies for 
derivative financial instruments.                                               

    See Note 5 for information about the fair value hierarchy for derivatives.

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

PRIMARY RISKS MANAGED BY DERIVATIVE FINANCIAL INSTRUMENTS AND NON-DERIVATIVE
FINANCIAL INSTRUMENTS                                                       

  The Company is exposed to various risks relating to its ongoing business
operations, including interest rate risk, foreign currency risk, credit risk and
equity market risk. The Company uses a variety of strategies to manage these    
risks, including the use of derivative instruments. The following table presents
the gross notional amount, estimated fair value and primary underlying risk     
exposure of the Company's derivative financial instruments, excluding embedded  
derivatives, held at:                                                           

                                                        [Enlarge/Download Table]

                                                                             DECEMBER 31,                        
                                                     ------------------------------------------------------------
                                                                  2010                           2009            
                                                     -----------------------------  -----------------------------
                                                                  ESTIMATED FAIR                 ESTIMATED FAIR  
                                                                    VALUE (1)                      VALUE (1)     
PRIMARY UNDERLYING                                   NOTIONAL  -------------------  NOTIONAL  -------------------
RISK EXPOSURE               INSTRUMENT TYPE           AMOUNT   ASSETS  LIABILITIES   AMOUNT   ASSETS  LIABILITIES
------------------  -------------------------------  --------  ------  -----------  --------  ------  -----------
                                                                             (IN MILLIONS)                       
                                                                                                                 
Interest rate       Interest rate swaps............  $ 25,614  $1,477     $  870     $18,630  $  804     $  696  
                    Interest rate floors...........    13,290     460          4      12,115     339          2  
                    Interest rate caps.............    27,253     145         --      23,406     255         --  
                    Interest rate futures..........     1,246       7         --       1,186      --          5  
                    Interest rate options..........     5,680     107         23       3,750     114         57  
                    Interest rate forwards.........       445      --         36          --      --         --  
                    Synthetic GICs.................     4,397      --         --       4,352      --         --  
Foreign currency    Foreign currency swaps.........    13,558   1,024        901      12,706     821      1,058  
                    Foreign currency forwards......     2,050      17         16       1,466      16          5  
Credit              Credit default swaps...........     6,792      72         79       5,656      61         99  
                    Credit forwards................        90       2          3         130       2          2  
Equity market       Equity futures.................         7      --         --          --      --         --  
                    Equity options.................       176      --         --          85       3         --  
                    Total rate of return swaps.....        --      --         --         250      --         47  
                                                     --------  ------     ------     -------  ------     ------  
                      Total........................  $100,598  $3,311     $1,932     $83,732  $2,415     $1,971  
                                                     ========  ======     ======     =======  ======     ======  


--------                                                                        

(1) The estimated fair value of all derivatives in an asset position is   
      reported within other invested assets in the consolidated balance sheets
     and the estimated fair value of all derivatives in a liability position
      is reported within other liabilities in the consolidated balance sheets.

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The following table presents the gross notional amount of derivative  
financial instruments by maturity at December 31, 2010:                         

                                                        [Enlarge/Download Table]

                                                             REMAINING LIFE                         
                                   -----------------------------------------------------------------
                                                                   AFTER FIVE                       
                                                 AFTER ONE YEAR      YEARS                          
                                   ONE YEAR OR    THROUGH FIVE    THROUGH TEN   AFTER TEN           
                                       LESS           YEARS          YEARS        YEARS       TOTAL 
                                   -----------   --------------   -----------   ---------   --------
                                                             (IN MILLIONS)                          
                                                                                                    
Interest rate swaps...............   $ 3,584         $10,252        $ 4,153      $ 7,625    $ 25,614
Interest rate floors..............        --           7,540          2,250        3,500      13,290
Interest rate caps................     3,250          22,606          1,397           --      27,253
Interest rate futures.............     1,246              --             --           --       1,246
Interest rate options.............        28           4,227          1,425           --       5,680
Interest rate forwards............       100             275             70           --         445
Synthetic GICs....................     4,397              --             --           --       4,397
Foreign currency swaps............     2,310           4,775          4,923        1,550      13,558
Foreign currency forwards.........     1,944              24             20           62       2,050
Credit default swaps..............        98           6,057            637           --       6,792
Credit forwards...................        90              --             --           --          90
Equity futures....................         7              --             --           --           7
Equity options....................       176              --             --           --         176
Total rate of return swaps........        --              --             --           --          --
                                     -------         -------        -------      -------    --------
  Total...........................   $17,230         $55,756        $14,875      $12,737    $100,598
                                     =======         =======        =======      =======    ========


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 principal     
amount. These transactions are entered into pursuant to master agreements that  
provide for a single net payment to be made by the counterparty at each due     
date. The Company utilizes interest rate swaps in fair value, cash flow and non-
qualifying hedging relationships.                                               

 The Company also enters into basis swaps to better match the cash flows
from assets and related liabilities. In a basis swap, both legs of the swap are 
floating with each based on a different index. Generally, no cash is exchanged  
at the outset of the contract and no principal payments are made by either      
party. A single net payment is usually made by one counterparty at each due     
date. Basis swaps are included in interest rate swaps in the preceding table.   
The Company utilizes basis swaps 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 in the preceding table. The Company utilizes inflation swaps
in non-qualifying hedging relationships.                                        

Implied volatility swaps are used by the Company primarily as economic
hedges of interest rate risk associated with the Company's investments in       
mortgage-backed securities. In an implied volatility swap, the Company exchanges
fixed payments for floating payments that are linked to certain market          
volatility measures. If implied volatility rises, the floating payments that the
Company receives will increase, and if implied volatility falls, the floating   
payments that the Company receives will decrease. Implied volatility swaps are  
included in interest rate swaps in the preceding table. The Company utilizes    
implied volatility swaps in non-qualifying hedging relationships.               

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  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 (duration mismatches), 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.                                                                  

  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 in the preceding table. The     
Company utilizes swaptions in non-qualifying hedging relationships.             

     The Company writes covered call options on its portfolio of U.S. Treasuries
as an income generation strategy. In a covered call transaction, the Company    
receives a premium at the inception of the contract in exchange for giving the  
derivative counterparty the right to purchase the referenced security from the  
Company at a predetermined price. The call option is "covered" because the      
Company owns the referenced security over the term of the option. Covered call  
options are included in interest rate options in the preceding table. The       
Company utilizes covered call options 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 and non-qualifying hedging relationships.                 

A synthetic GIC is a contract that simulates the performance of a     
traditional guaranteed interest contract through the use of financial           
instruments. Under a synthetic GIC, the policyholder owns the underlying assets.
The Company guarantees a rate return on those assets for a premium. Synthetic   
GICs are not designated as hedging instruments.                                 

    Foreign currency derivatives, including foreign currency swaps and foreign
currency forwards, are used by the Company to reduce the risk from fluctuations 
in foreign currency exchange rates associated with its assets and liabilities   
denominated in foreign currencies. The Company also uses foreign currency       
forwards and swaps to hedge the foreign currency risk associated with certain of
its net investments in foreign operations.                                      

 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 principal amount. The principal 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, net investment in foreign operations and non-qualifying hedging           
relationships.                                                                  

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

    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 in a different currency at the specified future     
date. The Company utilizes foreign currency forwards in net investment in       
foreign operations and non-qualifying hedging relationships.                    

The Company uses certain of its foreign currency denominated funding  
agreements to hedge portions of its net investments in foreign operations       
against adverse movements in exchange rates. Such contracts are included in non-
derivative hedging instruments in the hedges of net investments in foreign      
operations table.                                                               

 Swap spreadlocks are used by the Company to hedge invested assets on an
economic basis against the risk of changes in credit spreads. Swap spreadlocks  
are forward transactions between two parties whose underlying reference index is
a forward starting interest rate swap where the Company agrees to pay a coupon  
based on a predetermined reference swap spread in exchange for receiving a      
coupon based on a floating rate. The Company has the option to cash settle with 
the counterparty in lieu of maintaining the swap after the effective date. The  
Company utilizes swap spreadlocks in non-qualifying hedging relationships.      

Certain credit default swaps are used by the Company to hedge against 
credit-related changes in the value of its investments and to diversify its     
credit risk exposure in certain portfolios. In a credit default swap            
transaction, the Company agrees with another party, at specified intervals, to  
pay a premium to hedge credit risk. If a credit event, as defined by the        
contract, occurs, generally the contract will require the swap to 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. The Company  
utilizes credit default swaps in non-qualifying hedging relationships.          

     Credit default swaps are also used to synthetically create investments that
are either more expensive to acquire or otherwise unavailable in the cash       
markets. These transactions are a combination of a derivative and a cash        
instrument such as a U.S. Treasury or Agency security. The Company also enters  
into certain credit default swaps held in relation to trading portfolios for the
purpose of generating profits on short-term differences in price. These credit  
default swaps are not designated as hedging instruments.                        

The Company enters into forwards to lock in the price to be paid for  
forward purchases of certain securities. The price is agreed upon at the time of
the contract and payment for the contract is made at a specified future date.   
When the primary purpose of entering into these transactions is to hedge against
the risk of changes in purchase price due to changes in credit spreads, the     
Company designates these as credit forwards. The Company utilizes credit        
forwards in cash flow hedging relationships.                                    

In exchange-traded equity futures transactions, the Company agrees to 
purchase or sell a specified number of contracts, the value of which is         
determined by the different classes of equity securities, 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. The    
Company utilizes exchange-traded equity futures in non-qualifying hedging       
relationships.                                                                  

Equity index options are used by the Company to hedge certain invested
assets against adverse changes in equity indices. In an equity index option     
transaction, 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. Equity index options are        
included in equity options in the preceding table. The Company utilizes equity  
index options in non-qualifying hedging relationships.                          

     Equity variance swaps are used by the Company primarily as a macro hedge on
certain invested assets. In an equity variance swap, the Company agrees with    
another party to exchange amounts in the future, based on changes               

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

in equity volatility over a defined period. The Company utilizes equity variance
swaps in non-qualifying hedging relationships.                                  

  Total rate of return swaps ("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 Offer Rate ("LIBOR"), calculated by reference to an agreed notional        
principal amount. No cash is exchanged at the outset of the contract. Cash is   
paid and received over the life of the contract based on the terms of the swap. 
These transactions are entered into pursuant to master agreements that provide  
for a single net payment to be made by the counterparty at each due date. The   
Company uses TRRs to hedge its equity market guarantees in certain of its       
insurance products. TRRs can be used as hedges or to synthetically create       
investments. The Company utilizes TRRs in non-qualifying hedging relationships. 

HEDGING                                                                     

   The following table presents the gross notional amount and estimated fair
value of derivatives designated as hedging instruments by type of hedge         
designation at:                                                                 

                                                        [Enlarge/Download Table]

                                                                DECEMBER 31,                          
                                     -----------------------------------------------------------------
                                                   2010                              2009             
                                     -------------------------------   -------------------------------
                                                      ESTIMATED                         ESTIMATED     
                                                     FAIR VALUE                        FAIR VALUE     
DERIVATIVES DESIGNATED AS HEDGING    NOTIONAL   --------------------   NOTIONAL   --------------------
INSTRUMENTS                          AMOUNT     ASSETS   LIABILITIES    AMOUNT    ASSETS   LIABILITIES
-----------------------------------  --------   ------   -----------   --------   ------   -----------
                                                              (IN MILLIONS)                           
                                                                                                      
Fair Value Hedges:                                                                                    
  Foreign currency swaps...........   $ 3,737   $  572       $126       $ 3,958   $  484       $117   
  Interest rate swaps..............     4,795      811        154         4,472      488         70   
                                      -------   ------       ----       -------   ------       ----   
     Subtotal......................     8,532    1,383        280         8,430      972        187   
                                      -------   ------       ----       -------   ------       ----   
Cash Flow Hedges:                                                                                     
  Foreign currency swaps...........     4,487      193        212         3,181      109        251   
  Interest rate swaps..............     2,602       95         71         1,740       --         48   
  Interest rate forwards...........       445       --         36            --       --         --   
  Credit forwards..................        90        2          3           130        2          2   
                                      -------   ------       ----       -------   ------       ----   
     Subtotal......................     7,624      290        322         5,051      111        301   
                                      -------   ------       ----       -------   ------       ----   
       Total Qualifying Hedges.....   $16,156   $1,673       $602       $13,481   $1,083       $488   
                                      =======   ======       ====       =======   ======       ====   


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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

   The following table presents the gross notional amount and estimated fair
value of derivatives that were not designated or do not qualify as hedging      
instruments by derivative type at:                                              

                                                        [Enlarge/Download Table]

                                                                    DECEMBER 31,                        
                                            ------------------------------------------------------------
                                                         2010                           2009            
                                            -----------------------------  -----------------------------
                                                           ESTIMATED                      ESTIMATED     
                                                           FAIR VALUE                     FAIR VALUE    
DERIVATIVES NOT DESIGNATED OR NOT           NOTIONAL  -------------------  NOTIONAL  -------------------
QUALIFYING AS HEDGING INSTRUMENTS            AMOUNT   ASSETS  LIABILITIES   AMOUNT   ASSETS  LIABILITIES
------------------------------------------  --------  ------  -----------  --------  ------  -----------
                                                                  (IN MILLIONS)                         
                                                                                                        
Interest rate swaps.......................   $18,217  $  571     $  645     $12,418  $  316     $  578  
Interest rate floors......................    13,290     460          4      12,115     339          2  
Interest rate caps........................    27,253     145         --      23,406     255         --  
Interest rate futures.....................     1,246       7         --       1,186      --          5  
Interest rate options.....................     5,680     107         23       3,750     114         57  
Synthetic GICs............................     4,397      --         --       4,352      --         --  
Foreign currency swaps....................     5,334     259        563       5,567     228        690  
Foreign currency forwards.................     2,050      17         16       1,466      16          5  
Credit default swaps......................     6,792      72         79       5,656      61         99  
Equity futures............................         7      --         --          --      --         --  
Equity options............................       176      --         --          85       3         --  
Total rate of return swaps................        --      --         --         250      --         47  
                                             -------  ------     ------     -------  ------     ------  
  Total non-designated or non-qualifying                                                                
     derivatives..........................   $84,442  $1,638     $1,330     $70,251  $1,332     $1,483  
                                             =======  ======     ======     =======  ======     ======  


NET DERIVATIVE GAINS (LOSSES)                                               

The components of net derivative gains (losses) were as follows:      

                                                                [Download Table]

                                                            YEARS ENDED DECEMBER, 
                                                                     31,          
                                                          ------------------------
                                                           2010     2009     2008 
                                                          -----   -------   ------
                                                                (IN MILLIONS)     
                                                                                  
Derivatives and hedging gains (losses) (1)............... $ 353   $(2,842)  $3,257
Embedded derivatives.....................................  (619)   (1,586)   1,744
                                                          -----   -------   ------
  Total net derivative gains (losses).................... $(266)  $(4,428)  $5,001
                                                          =====   =======   ======


--------                                                                        

 (1) Includes foreign currency transaction gains (losses) on hedged items in
       cash flow and non-qualifying hedge relationships, which are not presented
elsewhere in this note.                                           

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     The following table presents the settlement payments recorded in income for
the:                                                                            

                                                                [Download Table]

                                                             YEARS ENDED DECEMBER  
                                                                      31,          
                                                            ---------------------- 
                                                            2010     2009     2008 
                                                            ----     ----     ---- 
                                                                 (IN MILLIONS)     
                                                                                   
Qualifying hedges:                                                                 
  Net investment income.................................... $ 82     $ 51     $ 21 
  Interest credited to policyholder account balances.......  196      180       99 
Non-qualifying hedges:                                                             
  Net investment income....................................   (4)      (3)      (1)
  Net derivative gains (losses)............................   53      (51)     (38)
                                                            ----     ----     ---- 
     Total................................................. $327     $177     $ 81 
                                                            ====     ====     ==== 


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 investments to floating rate investments; (ii)      
interest rate swaps to convert fixed rate liabilities to floating rate          
liabilities; and (iii) foreign currency swaps to hedge the foreign currency fair
value exposure of foreign currency denominated investments and liabilities.     

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 represents the amount of such net derivative gains (losses)     
recognized for the years ended December 31, 2010, 2009 and 2008:                

                                                        [Enlarge/Download Table]

                                                                                         NET        NET DERIVATIVE                 
                                                                                      DERIVATIVE    GAINS (LOSSES)  INEFFECTIVENESS
DERIVATIVES IN FAIR                                                                 GAINS (LOSSES)    RECOGNIZED     RECOGNIZED IN 
VALUE                                    HEDGED ITEMS IN FAIR VALUE                   RECOGNIZED      FOR HEDGED     NET DERIVATIVE
HEDGING RELATIONSHIPS                      HEDGING RELATIONSHIPS                   FOR DERIVATIVES       ITEMS       GAINS (LOSSES)
------------------------  -------------------------------------------------------  ---------------  --------------  ---------------
                                                                                                     (IN MILLIONS)                 
                                                                                                                                   
FOR THE YEAR ENDED DECEMBER 31, 2010:                                                                                              
Interest rate swaps:      Fixed maturity securities..............................       $ (13)           $  15            $ 2      
                          Policyholder account balances (1)......................         153             (150)             3      
Foreign currency swaps:   Foreign-denominated fixed maturity securities..........          13              (13)            --      
                          Foreign-denominated policyholder account balances (2)..          47              (34)            13      
                                                                                        -----            -----            ---      
     Total.......................................................................       $ 200            $(182)           $18      
                                                                                        =====            =====            ===      

FOR THE YEAR ENDED DECEMBER 31, 2009:                                                                                              
Interest rate swaps:      Fixed maturity securities..............................       $  42            $ (35)           $ 7      
                          Policyholder account balances (1)......................        (956)             947             (9)     
Foreign currency swaps:   Foreign-denominated fixed maturity securities..........         (13)              10             (3)     
                          Foreign-denominated policyholder account balances (2)..         351             (332)            19      
                                                                                        -----            -----            ---      
     Total.......................................................................       $(576)           $ 590            $14      
                                                                                        =====            =====            ===      

FOR THE YEAR ENDED DECEMBER 31, 2008.............................................       $ 336            $(337)           $(1)     
                                                                                        =====            =====            ===      


--------                                                                        

(1) Fixed rate liabilities                                                

(2) Fixed rate or floating rate liabilities                               

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 investments to fixed rate investments; (ii)      
interest rate swaps to convert floating rate liabilities to fixed rate          
liabilities; (iii) foreign currency swaps to hedge the foreign currency cash    
flow exposure of foreign currency denominated investments and liabilities; (iv) 
interest rate forwards and credit forwards to lock in the price to be paid for  
forward purchases of investments; and (v) interest rate swaps and interest rate 
forwards to hedge the forecasted purchases of fixed-rate investments.           

   For the years ended December 31, 2010 and 2009, the Company recognized $2
million and ($3) million, respectively, of net derivative gains (losses) which  
represented the ineffective portion of all cash flow hedges. For the year ended 
December 31, 2008, the Company did not recognize any net derivative gains       
(losses) which represented the ineffective portion of all cash flow hedges. All 
components of each derivative's gain or loss were included in the assessment of 
hedge effectiveness. In certain instances, the Company discontinued cash flow   
hedge accounting because the forecasted transactions did not occur on the       
anticipated date or within two months of that date. The net amounts reclassified
into net derivative gains (losses) for the years ended December 31, 2010, 2009  
and 2008 related to such discontinued cash flow hedges were gains (losses) of $9
million, ($7) million and ($12) million, respectively. At December 31, 2010 and 
2009, 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  
seven years and five years, respectively. There were no hedged forecasted       
transactions, other than the receipt or payment of variable interest payments,  
for the year ended December 31, 2008.                                           

The following table presents the components of accumulated other      
comprehensive income (loss), before income tax, related to cash flow hedges:    

                                                                [Download Table]

                                                              YEARS ENDED DECEMBER 
                                                                       31,         
                                                              -------------------- 
                                                              2010    2009    2008 
                                                              ----   -----   ----- 
                                                                  (IN MILLIONS)    
                                                                                   
Accumulated other comprehensive income (loss), balance at                          
  January 1,................................................  $(92)  $ 137   $(262)
Gains (losses) deferred in other comprehensive income (loss)                       
  on the effective portion of cash flow hedges..............   134    (327)    483 
Amounts reclassified to net derivative gains (losses).......    46      93     (93)
Amounts reclassified to net investment income...............     3       7       9 
Amounts reclassified to other expenses......................    (1)     --      -- 
Amortization of transition adjustment.......................    --      (2)     -- 
                                                              ----   -----   ----- 
Accumulated other comprehensive income (loss), balance at                          
  December 31,..............................................  $ 90   $ (92)  $ 137 
                                                              ====   =====   ===== 


  At December 31, 2010, $6 million of deferred net gains on derivatives in
accumulated other comprehensive income (loss) was expected to be reclassified to
earnings within the next 12 months.                                             

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The following table presents the effects of derivatives in cash flow  
hedging relationships on the consolidated statements of operations and the      
consolidated statements of equity for the years ended December 31, 2010, 2009   
and 2008:                                                                       

                                                        [Enlarge/Download Table]

                                                          AMOUNT AND LOCATION                                  
                                                           OF GAINS (LOSSES)                                   
                                                           RECLASSIFIED FROM                                   
                                                           ACCUMULATED OTHER                                   
                                AMOUNT OF GAINS              COMPREHENSIVE                                     
                               (LOSSES) DEFERRED       INCOME (LOSS) INTO INCOME                               
                              IN ACCUMULATED OTHER              (LOSS)                  AMOUNT AND LOCATION    
                              COMPREHENSIVE INCOME  ------------------------------       OF GAINS (LOSSES)     
                             (LOSS) ON DERIVATIVES                                  RECOGNIZED IN INCOME (LOSS)
                             ---------------------                                         ON DERIVATIVES      
                              (EFFECTIVE PORTION)         (EFFECTIVE PORTION)       ---------------------------
                             ---------------------  ------------------------------    (INEFFECTIVE PORTION AND 
                                                       NET                              AMOUNT EXCLUDED FROM   
                                                     DERIVA-      NET                  EFFECTIVENESS TESTING)  
                                                       TIVE     INVEST-             ---------------------------
DERIVATIVES IN CASH FLOW                              GAINS       MENT      OTHER          NET DERIVATIVE      
HEDGING RELATIONSHIPS                                (LOSSES)    INCOME   EXPENSES         GAINS (LOSSES)      
---------------------------                         ---------  ---------  --------  ---------------------------
                                                                (IN MILLIONS)                                  
                                                                                                               
FOR THE YEAR ENDED DECEMBER                                                                                    
  31, 2010:                                                                                                    
  Interest rate swaps......          $  90            $  --       $--        $ 1                $ 3            
  Foreign currency swaps...             74              (56)       (6)        --                 --            
  Interest rate forwards...            (35)              10         3         --                 (1)           
  Credit forwards..........              5               --        --         --                 --            
                                     -----            -----       ---        ---                ---            
     Total.................          $ 134            $ (46)      $(3)       $ 1                $ 2            
                                     =====            =====       ===        ===                ===            
FOR THE YEAR ENDED DECEMBER                                                                                    
  31, 2009:                                                                                                    
  Interest rate swaps......          $ (47)           $  --       $--        $--                $(2)           
  Foreign currency swaps...           (409)            (159)       (5)        --                 (1)           
  Interest rate forwards...            130               66        --         --                 --            
  Credit forwards..........             (1)              --        --         --                 --            
                                     -----            -----       ---        ---                ---            
     Total.................          $(327)           $ (93)      $(5)       $--                $(3)           
                                     =====            =====       ===        ===                ===            
FOR THE YEAR ENDED DECEMBER                                                                                    
  31, 2008:                                                                                                    
  Foreign currency swaps...          $ 483            $  93       $(9)       $--                $--            
                                     =====            =====       ===        ===                ===            


HEDGES OF NET INVESTMENTS IN FOREIGN OPERATIONS                             

The Company uses foreign exchange contracts, which may include foreign
currency swaps, forwards and options, to hedge portions of its net investments  
in foreign operations against adverse movements in exchange rates. The Company  
measures ineffectiveness on these contracts based upon the change in forward    
rates. In addition, the Company may also use non-derivative financial           
instruments to hedge portions of its net investments in foreign operations      
against adverse movements in exchange rates. The Company measures               
ineffectiveness on non-derivative financial instruments based upon the change in
spot rates.                                                                     

When net investments in foreign operations are sold or substantially  
liquidated, the amounts in accumulated other comprehensive income (loss) are    
reclassified to the consolidated statements of operations, while a pro rata     
portion will be reclassified upon partial sale of the net investments in foreign
operations.                                                                     

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

    The following table presents the effects of derivatives and non-derivative
financial instruments in net investment hedging relationships in the            
consolidated statements of operations and the consolidated statements of equity 
for the years ended December 31, 2010, 2009 and 2008:                           

                                                        [Enlarge/Download Table]

                                                                       AMOUNT AND LOCATION OF 
                                                                           GAINS (LOSSES)     
                                                                            RECLASSIFIED      
                                                                       FROM ACCUMULATED OTHER 
                                                                        COMPREHENSIVE INCOME  
                                                                            (LOSS) INTO       
                                      AMOUNT OF GAINS (LOSSES)        INCOME (LOSS) (EFFECTIVE
                                       DEFERRED IN ACCUMULATED                PORTION)        
                                     OTHER COMPREHENSIVE INCOME      -------------------------
                                               (LOSS)                   NET INVESTMENT GAINS  
                                         (EFFECTIVE PORTION)                  (LOSSES)        
DERIVATIVES AND NON-DERIVATIVE       --------------------------      -------------------------
HEDGING INSTRUMENTS IN NET            YEARS ENDED DECEMBER 31,        YEARS ENDED DECEMBER 31,
INVESTMENT                           --------------------------      -------------------------
HEDGING RELATIONSHIPS (1), (2)       2010       2009       2008      2010       2009      2008
------------------------------       ----       ----       ----      ----      -----      ----
                                                           (IN MILLIONS)                      
                                                                                              
Foreign currency forwards...........  $--       $ --       $ --       $--      $ (59)      $--
Foreign currency swaps..............   --        (18)        76        --        (63)       --
Non-derivative hedging instruments..   --        (37)        81        --        (11)       --
                                      ---       ----       ----       ---      -----       ---
  Total.............................  $--       $(55)      $157       $--      $(133)      $--
                                      ===       ====       ====       ===      =====       ===


--------                                                                        

   (1) During the years ended December 31, 2010 and 2008, there were no sales or
    substantial liquidations of net investments in foreign operations that
would have required the reclassification of gains or losses from  
     accumulated other comprehensive income (loss) into earnings. During the
 year ended December 31, 2009, the Company substantially liquidated,
      through assumption reinsurance (see Note 2), the portion of its Canadian
operations that was being hedged in a net investment hedging      
relationship. As a result, the Company reclassified losses of $133
       million from accumulated other comprehensive income (loss) into earnings.

 (2) There was no ineffectiveness recognized for the Company's hedges of net
investments in foreign operations.                                

 At December 31, 2010 and 2009, there was no cumulative foreign currency
translation gain (loss) recorded in accumulated other comprehensive income      
(loss) related to hedges of net investments in foreign operations.              

NON-QUALIFYING DERIVATIVES AND DERIVATIVES FOR PURPOSES OTHER THAN HEDGING  

   The Company enters into the following derivatives that do not qualify for
hedge accounting or for purposes other than hedging: (i) interest rate swaps,   
implied volatility swaps, caps and floors and interest rate futures to          
economically hedge its exposure to interest rates; (ii) foreign currency        
forwards and swaps to economically hedge its exposure to adverse movements in   
exchange rates; (iii) credit default swaps to economically hedge exposure to    
adverse movements in credit; (iv) equity futures to economically hedge          
liabilities; (v) swap spreadlocks to economically hedge invested assets against 
the risk of changes in credit spreads; (vi) interest rate forwards to buy and   
sell securities to economically hedge its exposure to interest rates; (vii)     
credit default swaps and TRRs to synthetically create investments; (viii) basis 
swaps to better match the cash flows of assets and related liabilities; (ix)    
credit default swaps held in relation to trading portfolios; (x) swaptions to   
hedge interest rate risk; (xi) inflation swaps to reduce risk generated from    
inflation-indexed liabilities; (xii) covered call options for income generation;
(xiii) synthetic GICs; (xiv) equity options to economically hedge certain       
invested assets against adverse changes in equity indices; and (xv) equity      
variance swaps as a macro hedge on certain invested assets.                     

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The following tables present the amount and location of gains (losses)
recognized in income for derivatives that were not designated or qualifying as  
hedging instruments:                                                            

                                                        [Enlarge/Download Table]

                                                                  NET            NET   
                                                              DERIVATIVE     INVESTMENT
                                                            GAINS (LOSSES)   INCOME (1)
                                                            --------------   ----------
                                                                   (IN MILLIONS)       
                                                                                       
FOR THE YEAR ENDED DECEMBER 31, 2010:                                                  
Interest rate swaps........................................     $    74         $ --   
Interest rate floors.......................................          95           --   
Interest rate caps.........................................        (165)          --   
Interest rate futures......................................         108           --   
Foreign currency swaps.....................................         118           --   
Foreign currency forwards..................................         (12)          --   
Equity options.............................................          (2)         (17)  
Interest rate options......................................          30           --   
Interest rate forwards.....................................           7           --   
Credit default swaps.......................................          28           (2)  
Total rate of return swaps.................................          15           --   
                                                                -------         ----   
  Total....................................................     $   296         $(19)  
                                                                =======         ====   
FOR THE YEAR ENDED DECEMBER 31, 2009:                                                  
Interest rate swaps........................................     $  (880)        $ --   
Interest rate floors.......................................        (514)          --   
Interest rate caps.........................................          27           --   
Interest rate futures......................................        (155)          --   
Foreign currency swaps.....................................        (584)          --   
Foreign currency forwards..................................        (151)          --   
Equity options.............................................           2           (2)  
Interest rate options......................................        (379)          --   
Interest rate forwards.....................................          (7)          --   
Swap spreadlocks...........................................         (38)          --   
Credit default swaps.......................................        (195)         (11)  
Total rate of return swaps.................................          63           --   
                                                                -------         ----   
  Total....................................................     $(2,811)        $(13)  
                                                                =======         ====   
FOR THE YEAR ENDED DECEMBER 31, 2008.......................     $ 3,470         $ 54   
                                                                =======         ====   


--------                                                                        

(1) Changes in estimated fair value related to economic hedges of equity  
       method investments in joint ventures, and changes in estimated fair value
related to derivatives held in relation to trading portfolios.    

CREDIT DERIVATIVES                                                          

     In connection with synthetically created investment transactions and credit
default swaps held in relation to the trading portfolio, 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                                             

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

hedging table. If a credit event occurs, as defined by the contract, generally  
the contract will require the Company to pay 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 $4,153 million and $2,584 million
at December 31, 2010 and 2009, 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, 2010 and 2009, the Company would have received $49 million and $44 million, 
respectively, to terminate all of these contracts.                              

  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 December 31, 2010 and 2009:                                            

                                                        [Enlarge/Download Table]

                                                                          DECEMBER 31,                                    
                                     -------------------------------------------------------------------------------------
                                                         2010                                       2009                  
                                     -------------------------------------------  ----------------------------------------
                                                     MAXIMUM                                      MAXIMUM                 
                                      ESTIMATED      AMOUNT                        ESTIMATED     AMOUNT OF                
                                     FAIR VALUE     OF FUTURE        WEIGHTED     FAIR VALUE      FUTURE        WEIGHTED  
RATING AGENCY DESIGNATION OF          OF CREDIT  PAYMENTS UNDER      AVERAGE       OF CREDIT  PAYMENTS UNDER     AVERAGE  
REFERENCED                             DEFAULT   CREDIT DEFAULT       YEARS         DEFAULT   CREDIT DEFAULT    YEARS TO  
CREDIT OBLIGATIONS (1)                  SWAPS       SWAPS (2)    TO MATURITY (3)     SWAPS       SWAPS (2)    MATURITY (3)
-----------------------------------  ----------  --------------  ---------------  ----------  --------------  ------------
                                                                         (IN MILLIONS)                                    
                                                                                                                          
AAA/AA/A                                                                                                                  
Single name credit default swaps                                                                                          
  (corporate)......................      $ 4         $  423            3.9            $ 4         $  148           4.3    
Credit default swaps referencing                                                                                          
  indices..........................       34          2,247            3.7             38          2,201           3.5    
                                         ---         ------                           ---         ------                  
  Subtotal.........................       38          2,670            3.7             42          2,349           3.5    
                                         ---         ------                           ---         ------                  
BAA                                                                                                                       
Single name credit default swaps                                                                                          
  (corporate)......................        5            730            4.4              2            190           4.9    
Credit default swaps referencing                                                                                          
  indices..........................        6            728            5.0             --             --            --    
                                         ---         ------                           ---         ------                  
  Subtotal.........................       11          1,458            4.7              2            190           4.9    
                                         ---         ------                           ---         ------                  
BA                                                                                                                        
Single name credit default swaps                                                                                          
  (corporate)......................       --             25            4.4             --             25           5.0    
Credit default swaps referencing                                                                                          
  indices..........................       --             --             --             --             --            --    
                                         ---         ------                           ---         ------                  
  Subtotal.........................       --             25            4.4             --             25           5.0    
                                         ---         ------                           ---         ------                  
B                                                                                                                         
Single name credit default swaps                                                                                          
  (corporate)......................       --             --             --             --             --            --    
Credit default swaps referencing                                                                                          
  indices..........................       --             --             --             --             20           5.0    
                                         ---         ------                           ---         ------                  
  Subtotal.........................       --             --             --             --             20           5.0    
                                         ---         ------                           ---         ------                  
     Total.........................      $49         $4,153            4.1            $44         $2,584           3.6    
                                         ===         ======                           ===         ======                  


--------                                                                        

   (1) The rating agency designations are based on availability and the midpoint
     of the applicable ratings among Moody's, S&P and Fitch. 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.            

   The Company has also entered into credit default swaps to purchase credit
protection on certain of the referenced credit obligations in the table above.  
As a result, the maximum amounts of potential future recoveries available to    
offset the $4,153 million and $2,584 million from the table above were $120     
million and $21 million at December 31, 2010 and 2009, respectively.            

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

CREDIT RISK ON FREESTANDING DERIVATIVES                                     

The Company may be exposed to credit-related losses in the event of   
nonperformance by counterparties to derivative financial instruments. Generally,
the current credit exposure of the Company's derivative contracts is limited to 
the net positive estimated fair value of derivative contracts at the reporting  
date after taking into consideration the existence of netting agreements and any
collateral received pursuant to credit support annexes.                         

     The Company manages its credit risk related to over-the-counter derivatives
by entering into transactions with creditworthy counterparties, maintaining     
collateral arrangements and through the use of master agreements that provide   
for a single net payment to be made by one counterparty to another at each due  
date and upon termination. Because exchange-traded futures are effected through 
regulated exchanges, and positions are marked to market on a daily basis, the   
Company has minimal exposure to credit-related losses in the event of           
nonperformance by counterparties to such derivative instruments. See Note 5 for 
a description of the impact of credit risk on the valuation of derivative       
instruments.                                                                    

     The Company enters into various collateral arrangements, which require both
the pledging and accepting of collateral in connection with its derivative      
instruments. At December 31, 2010 and 2009, the Company was obligated to return 
cash collateral under its control of $1,033 million and $782 million,           
respectively. This unrestricted cash collateral is included in cash and cash    
equivalents or in short-term investments and the obligation to return it is     
included in payables for collateral under securities loaned and other           
transactions in the consolidated balance sheets. At December 31, 2010 and 2009, 
the Company had also accepted collateral consisting of various securities with a
fair market value of $501 million and $123 million, respectively, which were    
held in separate custodial accounts. The Company is permitted by contract to    
sell or repledge this collateral, but at December 31, 2010, none of the         
collateral had been sold or repledged.                                          

    The Company's collateral arrangements for its over-the-counter 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 credit-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 credit ratings of the Company    
and/or the counterparty. In addition, certain of the Company's netting          
agreements for derivative instruments contain provisions that require the       
Company to maintain a specific investment grade credit rating from at least one 
of the major credit rating agencies. If the Company's credit ratings were to    
fall below that specific investment grade credit rating, it would be in         
violation of these provisions, and the counterparties to the derivative         
instruments could request immediate payment or demand immediate and ongoing full
overnight collateralization on derivative instruments that are in a net         
liability position after considering the effect of netting agreements.          

The following table presents the estimated fair value of the Company's
over-the-counter 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                        

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

termination of the derivative position at the reporting date. Derivatives that  
are not subject to collateral agreements are not included in the scope of this  
table.                                                                          

                                                        [Enlarge/Download Table]

-----------------------------------------------------------------------------------------------------------------------
                                                      ESTIMATED FAIR VALUE OF     FAIR VALUE OF INCREMENTAL COLLATERAL 
                                                        COLLATERAL PROVIDED:                 PROVIDED UPON:            
                                                     -------------------------   --------------------------------------
                                                                                                  DOWNGRADE IN THE     
                                                                                 ONE NOTCH     COMPANY'S CREDIT RATING 
                                                                                 DOWNGRADE    TO A LEVEL THAT TRIGGERS 
                                     ESTIMATED                                     IN THE          FULL OVERNIGHT      
                                 FAIR VALUE (1) OF                               COMPANY'S      COLLATERALIZATION OR   
                                DERIVATIVES IN NET   FIXED MATURITY                CREDIT            TERMINATION       
                                LIABILITY POSITION   SECURITIES (2)   CASH (3)     RATING    OF THE DERIVATIVE POSITION
                                ------------------   --------------   --------   ---------   --------------------------
                                                                     (IN MILLIONS)                                     
                                                                                                                       
DECEMBER 31, 2010:                                                                                                     
Derivatives subject to credit-                                                                                         
  contingent provisions.......         $243               $120           $--        $35                 $110           
Derivatives not subject to                                                                                             
  credit-contingent                                                                                                    
  provisions..................            1                 --             1         --                   --           
                                       ----               ----           ---        ---                 ----           
  Total.......................         $244               $120           $ 1        $35                 $110           
                                       ====               ====           ===        ===                 ====           
DECEMBER 31, 2009:                                                                                                     
Derivatives subject to credit-                                                                                         
  contingent provisions.......         $342               $230           $--        $45                 $132           
Derivatives not subject to                                                                                             
  credit-contingent                                                                                                    
  provisions..................           47                 42            --         --                   --           
                                       ----               ----           ---        ---                 ----           
  Total.......................         $389               $272           $--        $45                 $132           
                                       ====               ====           ===        ===                 ====           


--------                                                                        

(1) After taking into consideration the existence of netting agreements.  

   (2) Included in fixed maturity securities in the consolidated balance sheets.
   The counterparties are permitted by contract to sell or repledge this
collateral.                                                       

(3) Included in premiums, reinsurance and other receivables in the        
consolidated balance sheets.                                      

  Without considering the effect of netting agreements, the estimated fair
value of the Company's over-the-counter derivatives with credit-contingent      
provisions that were in a gross liability position at December 31, 2010 was $334
million. At December 31, 2010, the Company provided securities collateral of    
$120 million in connection with these derivatives. In the unlikely event that   
both: (i) the Company's credit rating was downgraded to a level that triggers   
full overnight collateralization or termination of all derivative positions; and
(ii) the Company's netting agreements were deemed to be legally unenforceable,  
then the additional collateral that the Company would be required to provide to 
its counterparties in connection with its derivatives in a gross liability      
position at December 31, 2010 would be $214 million. This amount does not       
consider gross derivative assets of $91 million for which the Company has the   
contractual right of offset.                                                    

     The Company also has exchange-traded futures, which require the pledging of
collateral. At both December 31, 2010 and 2009, the Company did not pledge any  
securities collateral for exchange-traded futures. At December 31, 2010 and     
2009, the Company provided cash collateral for exchange-traded futures of $21   
million and $18 million, respectively, which is included in premiums,           
reinsurance and other receivables.                                              

EMBEDDED DERIVATIVES                                                        

The Company has certain embedded derivatives that are required to be  
separated from their host contracts and accounted for as derivatives. These host
contracts principally include: variable annuities with guaranteed minimum       
benefits, including GMWBs, GMABs and certain GMIBs; affiliated ceded reinsurance
contracts of guaranteed                                                         

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

minimum benefits related to GMWBs, GMABs and certain GMIBs; funds withheld on   
ceded reinsurance and affiliated funds withheld on ceded reinsurance; and       
funding agreements with equity or bond indexed crediting rates.                 

The following table presents the estimated fair value of the Company's
embedded derivatives at:                                                        

                                                                [Download Table]

                                                                      DECEMBER  
                                                                        31,     
                                                                    ----------- 
                                                                    2010   2009 
                                                                    ----   ---- 
                                                                        (IN     
                                                                     MILLIONS)  
                                                                                
Net embedded derivatives within asset host contracts:                           
  Ceded guaranteed minimum benefits...............................  $295   $263 
  Options embedded in debt or equity securities...................   (24)   (15)
                                                                    ----   ---- 
     Net embedded derivatives within asset host contracts.........  $271   $248 
                                                                    ====   ==== 
Net embedded derivatives within liability host contracts:                       
  Direct guaranteed minimum benefits..............................  $(77)  $(35)
  Funds withheld on ceded reinsurance.............................   754    132 
  Other...........................................................    11    (26)
                                                                    ----   ---- 
     Net embedded derivatives within liability host contracts.....  $688   $ 71 
                                                                    ====   ==== 


 The following table presents changes in estimated fair value related to
embedded derivatives:                                                           

                                                                [Download Table]

                                                          YEARS ENDED DECEMBER 31,
                                                          ------------------------
                                                           2010     2009     2008 
                                                          -----   -------   ------
                                                                (IN MILLIONS)     
                                                                                  
Net derivative gains (losses) (1),(2).................... $(619)  $(1,586)  $1,744

--------                                                                        

(1) The valuation of direct guaranteed minimum benefits includes an       
  adjustment for nonperformance risk. Included in net derivative gains
  (losses), in connection with this adjustment, were gains (losses) of
 ($43) million, ($380) million and $442 million, for the years ended
December 31, 2010, 2009 and 2008, respectively. In addition, the  
       valuation of ceded guaranteed minimum benefits includes an adjustment for
nonperformance risk. Included in net derivative gains (losses), in
       connection with this adjustment, were gains (losses) of $82 million, $624
     million and ($747) million, for the years ended December 31, 2010, 2009
      and 2008, respectively. Net derivative gains (losses) for the year ended
December 31, 2010 included a gain of $121 million relating to a   
      refinement for estimating nonperformance risk in fair value measurements
implemented at June 30, 2010. See Note 5.                         

(2) See Note 9 for discussion of affiliated net derivative gains (losses) 
included in the table above.                                      

5.  FAIR VALUE                                                                  

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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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

ASSETS AND LIABILITIES MEASURED AT FAIR VALUE                                   

RECURRING FAIR VALUE MEASUREMENTS                                           

    The assets and liabilities measured at estimated fair value on a recurring
basis, including those items for which the Company has elected the FVO, were    
determined as described below. These estimated fair values and their            
corresponding placement in the fair value hierarchy are summarized as follows:  

                                                        [Enlarge/Download Table]

                                                                    DECEMBER 31, 2010                        
                                            -----------------------------------------------------------------
                                                     FAIR VALUE MEASUREMENTS AT REPORTING DATE USING         
                                            -----------------------------------------------------------------
                                             QUOTED PRICES IN                                                
                                            ACTIVE MARKETS FOR                        SIGNIFICANT     TOTAL  
                                             IDENTICAL ASSETS    SIGNIFICANT OTHER   UNOBSERVABLE   ESTIMATED
                                              AND LIABILITIES    OBSERVABLE INPUTS      INPUTS         FAIR  
                                                 (LEVEL 1)           (LEVEL 2)         (LEVEL 3)      VALUE  
                                            ------------------   -----------------   ------------   ---------
                                                                      (IN MILLIONS)                          
                                                                                                             
ASSETS                                                                                                       
Fixed maturity securities:                                                                                   
  U.S. corporate securities...............        $    --             $ 48,064          $ 5,063      $ 53,127
  Foreign corporate securities............             --               27,771            2,796        30,567
  RMBS....................................            274               28,420            1,210        29,904
  U.S. Treasury, agency and government                                                                       
     guaranteed securities................          7,728               13,205               44        20,977
  CMBS....................................             --                9,540              161         9,701
  ABS.....................................             --                4,929            2,289         7,218
  State and political subdivision                                                                            
     securities...........................             --                4,583                1         4,584
  Foreign government securities...........             --                3,286              171         3,457
                                                  -------             --------          -------      --------
     Total fixed maturity securities......          8,002              139,798           11,735       159,535
                                                  -------             --------          -------      --------
Equity securities:                                                                                           
  Common stock............................            176                  717               79           972
  Non-redeemable preferred stock..........             --                  216              633           849
                                                  -------             --------          -------      --------
     Total equity securities..............            176                  933              712         1,821
                                                  -------             --------          -------      --------
Trading and other securities:                                                                                
  Actively Traded Securities..............             --                  453               10           463
  FVO general account securities..........             --                   21               50            71
  FVO securities held by consolidated                                                                        
     securitization entities..............             --                  201               --           201
                                                  -------             --------          -------      --------
     Total trading and other securities...             --                  675               60           735
Short-term investments (1)................          1,001                  845              379         2,225
Derivative assets: (2)                                                                                       
  Interest rate contracts.................              7                2,175               14         2,196
  Foreign currency contracts..............             --                  995               46         1,041
  Credit contracts........................             --                   35               39            74
                                                  -------             --------          -------      --------
     Total derivative assets..............              7                3,205               99         3,311
Net embedded derivatives within asset host                                                                   
  contracts (3)...........................             --                   --              295           295
Separate account assets (4)...............         19,550               76,770            1,509        97,829
                                                  -------             --------          -------      --------
     Total assets.........................        $28,736             $222,226          $14,789      $265,751
                                                  =======             ========          =======      ========
LIABILITIES                                                                                                  
Derivative liabilities: (2)                                                                                  
  Interest rate contracts.................        $    --             $    896          $    37      $    933
  Foreign currency contracts..............             --                  917               --           917
  Credit contracts........................             --                   76                6            82
                                                  -------             --------          -------      --------
     Total derivative liabilities.........             --                1,889               43         1,932
Net embedded derivatives within liability                                                                    
  host contracts (3)......................             --                   11              677           688
Long-term debt of consolidated                                                                               
  securitization entities.................             --                   --              184           184
Trading liabilities (5)...................             46                   --               --            46
                                                  -------             --------          -------      --------
  Total liabilities.......................        $    46             $  1,900          $   904      $  2,850
                                                  =======             ========          =======      ========


See "-- Variable Interest Entities" in Note 3 for discussion of CSEs  
included in the table above.                                                    

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                                    DECEMBER 31, 2009                        
                                            -----------------------------------------------------------------
                                               FAIR VALUE MEASUREMENTS AT REPORTING DATE USING               
                                            -----------------------------------------------------            
                                             QUOTED PRICES IN                                                
                                            ACTIVE MARKETS FOR                        SIGNIFICANT     TOTAL  
                                             IDENTICAL ASSETS    SIGNIFICANT OTHER   UNOBSERVABLE   ESTIMATED
                                              AND LIABILITIES    OBSERVABLE INPUTS      INPUTS         FAIR  
                                                 (LEVEL 1)           (LEVEL 2)         (LEVEL 3)      VALUE  
                                            ------------------   -----------------   ------------   ---------
                                                                      (IN MILLIONS)                          
                                                                                                             
ASSETS                                                                                                       
Fixed maturity securities:                                                                                   
  U.S. corporate securities...............        $    --             $ 44,394          $ 4,674      $ 49,068
  Foreign corporate securities............             --               21,541            3,456        24,997
  RMBS....................................             --               29,405            1,580        30,985
  U.S. Treasury, agency and government                                                                       
     guaranteed securities................          6,090               10,312               --        16,402
  CMBS....................................             --               10,684               87        10,771
  ABS.....................................             --                5,503            1,668         7,171
  State and political subdivision                                                                            
     securities...........................             --                2,714               20         2,734
  Foreign government securities...........             --                2,272              249         2,521
                                                  -------             --------          -------      --------
     Total fixed maturity securities......          6,090              126,825           11,734       144,649
                                                  -------             --------          -------      --------
Equity securities:                                                                                           
  Common stock............................            289                  777               64         1,130
  Non-redeemable preferred stock..........             --                  193              793           986
                                                  -------             --------          -------      --------
     Total equity securities..............            289                  970              857         2,116
                                                  -------             --------          -------      --------
Trading and other securities..............             --                  388               83           471
Short-term investments (1)................          2,099                1,193                8         3,300
Derivative assets (2).....................             --                2,318               97         2,415
Net embedded derivatives within asset host                                                                   
  contracts (3)...........................             --                   --              263           263
Separate account assets (4)...............         13,006               65,788            1,583        80,377
                                                  -------             --------          -------      --------
     Total assets.........................        $21,484             $197,482          $14,625      $233,591
                                                  =======             ========          =======      ========
LIABILITIES                                                                                                  
Derivative liabilities (2)................        $     5             $  1,961          $     5      $  1,971
Net embedded derivatives within liability                                                                    
  host contracts (3)......................             --                  (26)              97            71
Trading liabilities (5)...................            106                   --               --           106
                                                  -------             --------          -------      --------
  Total liabilities.......................        $   111             $  1,935          $   102      $  2,148
                                                  =======             ========          =======      ========


--------                                                                        

 (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 (e.g.,
time deposits, etc.), and therefore are excluded from the tables  
presented above.                                                  

(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 which follow.                

   (3) Net embedded derivatives within asset host contracts are presented within
     premiums, reinsurance and other receivables in the consolidated balance
  sheets. Net embedded derivatives within liability host contracts are
      presented in the consolidated balance sheets within policyholder account
  balances and other liabilities. At December 31, 2010, fixed maturity
    securities and equity securities also included embedded derivatives of

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     $1 million and ($25) million, respectively. At December 31, 2009, fixed
     maturity securities and equity securities included embedded derivatives
of $0 and ($15) million, respectively.                            

  (4) Separate account assets are measured at estimated fair value. 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.                                                           

(5) Trading liabilities are presented within other liabilities in the     
consolidated balance sheets.                                      

  The methods and assumptions used to estimate the fair value of financial
instruments are summarized as follows:                                          

  Fixed Maturity Securities, Equity Securities, Trading and Other Securities and
Short-term Investments                                                      

   When available, the estimated fair value of the Company's fixed maturity,
equity and trading and other securities are 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 judgment.                                           

   When quoted prices in active markets are not available, the determination
of estimated fair value is based on market standard valuation methodologies. The
market standard valuation methodologies utilized include: discounted cash flow  
methodologies, matrix pricing or other similar techniques. The inputs in        
applying these market standard valuation methodologies include, but are not     
limited to: interest rates, credit standing of the issuer or counterparty,      
industry sector of the issuer, coupon rate, call provisions, sinking fund       
requirements, maturity and management's assumptions regarding estimated         
duration, liquidity and estimated future cash flows. Accordingly, the estimated 
fair values are based on available market information and management's judgments
about financial instruments.                                                    

   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. Such observable inputs include          
benchmarking prices for similar assets in active markets, quoted prices in      
markets that are not active and observable yields and spreads in the market.    

 When observable inputs are not available, the market standard valuation
methodologies for determining the estimated fair value of certain types of      
securities that trade infrequently, and therefore have little or no price       
transparency, 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 judgment or estimation and cannot be supported by   
reference to market activity. Even though unobservable, these inputs are assumed
to be consistent with what other market participants would use when pricing such
securities and are considered appropriate given the circumstances.              

    The estimated fair value of FVO securities held by CSEs is determined on a
basis consistent with the methodologies described herein for fixed maturity     
securities and equity securities. As discussed in Note 1, the Company adopted   
new guidance effective January 1, 2010 and consolidated certain securitization  
entities that hold securities that have been accounted for under the FVO and    
classified within trading and other securities.                                 

The use of different methodologies, assumptions and inputs may have a 
material effect on the estimated fair values of the Company's securities        
holdings.                                                                       

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 over-the-counter derivatives. The determination of           

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

estimated fair value, when quoted market values are not available, is based on  
market standard valuation methodologies and inputs that are assumed to be       
consistent with what other market participants would use when pricing the       
instruments. Derivative valuations can be affected by changes in interest rates,
foreign currency exchange rates, financial indices, credit spreads, default risk
(including the counterparties to the contract), volatility, liquidity and       
changes in estimates and assumptions used in the pricing models.                

The significant inputs to the pricing models for most over-the-counter
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     
over-the-counter 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: independent broker quotes, credit      
correlation assumptions, 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 are assumed to be consistent with what other market           
participants would use when pricing such instruments.                           

    The credit risk of both the counterparty and the Company are considered in
determining the estimated fair value for all over-the-counter 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 derivative positions using the standard    
swap curve which includes a spread to the risk free rate. This credit spread is 
appropriate for those parties that execute trades at pricing levels consistent  
with the standard swap curve. As the Company and its significant derivative     
counterparties consistently execute trades at such pricing levels, 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. The evaluation of the requirement 
to make additional credit risk adjustments is performed by the Company each     
reporting period.                                                               

    Most inputs for over-the-counter derivatives are mid market inputs but, in
certain cases, bid level inputs are used 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.                                                                     

Embedded Derivatives Within Asset and Liability Host Contracts              

  Embedded derivatives principally include certain direct variable annuity
guarantees, certain affiliated ceded reinsurance contracts related to such      
variable annuity guarantees and certain funding agreements with equity or bond  
indexed crediting rates and those related to ceded funds withheld on            
reinsurance. Embedded derivatives are recorded in the consolidated financial    
statements at estimated fair value with changes in estimated fair value reported
in net income.                                                                  

The Company issues certain variable annuity products with guaranteed  
minimum benefit guarantees. GMWBs, GMABs and certain GMIBs are embedded         
derivatives, which are measured at estimated fair value separately from the host
variable annuity contract, with changes in estimated fair value reported in net 
derivative gains (losses). These embedded derivatives are classified within     
policyholder account balances in the consolidated balance sheets.               

    The fair value of these guarantees is estimated using the present value of
future benefits minus the present value of future fees using actuarial and      
capital market assumptions related to the projected cash flows over the expected
lives of the contracts. A risk neutral valuation methodology is used under which
the cash flows from the                                                         

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

guarantees are projected under multiple capital market scenarios using          
observable risk free rates, currency exchange rates and observable and estimated
implied volatilities.                                                           

The valuation of these guarantee liabilities includes adjustments for 
nonperformance risk and for a risk margin related to non-capital market inputs. 
Both of these adjustments are captured as components of the spread which, when  
combined with the risk free rate, is used to discount the cash flows of the     
liability for purposes of determining its fair value.                           

  The nonperformance adjustment is determined by taking into consideration
publicly available information relating to spreads in the secondary market for  
MetLife, Inc.'s debt, including related credit default swaps. These observable  
spreads are then adjusted, as necessary, to reflect the priority of these       
liabilities and the claims paying ability of the issuing insurance subsidiaries 
compared to MetLife, Inc.                                                       

     Risk margins are established to capture the non-capital market risks of the
instrument which represent the additional compensation a market participant     
would require to assume the risks related to the uncertainties of such actuarial
assumptions as annuitization, premium persistency, partial withdrawal and       
surrenders. The establishment of risk margins requires the use of significant   
management judgment, including assumptions of the amount and cost of capital    
needed to cover the guarantees. These guarantees may be more costly than        
expected in volatile or declining equity markets. Market conditions including,  
but not limited to, changes in interest rates, equity indices, market volatility
and foreign currency exchange rates; changes in nonperformance risk; and        
variations in actuarial assumptions regarding policyholder behavior, mortality  
and risk margins related to non-capital market inputs may result in significant 
fluctuations in the estimated fair value of the guarantees that could materially
affect net income.                                                              

  The Company ceded the risk associated with certain of the GMIB, GMAB and
GMWB guarantees described in the preceding paragraph. In addition to ceding     
risks associated with guarantees that are accounted for as embedded derivatives,
the Company also ceded directly written GMIB guarantees that are accounted for  
as insurance (i.e., not as embedded derivatives) but where the reinsurance      
contract contains an embedded derivative. These embedded derivatives are        
included in 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 these ceded risks is   
determined using a methodology consistent with that described previously for the
guarantees directly written by the Company. Because the direct guarantee is not 
accounted for at fair value, significant fluctuations in net income may occur as
the change in fair value of the embedded derivative on the ceded risk is being  
recorded in net income without a corresponding and offsetting change in fair    
value of the direct guarantee.                                                  

     As part of its regular review of critical accounting estimates, the Company
periodically assesses inputs for estimating nonperformance risk (commonly       
referred to as "own credit") in fair value measurements. During the second      
quarter of 2010, the Company completed a study that aggregated and evaluated    
data, including historical recovery rates of insurance companies as well as     
policyholder behavior observed over the past two years as the recent financial  
crisis evolved. As a result, at the end of the second quarter of 2010, the      
Company refined the way in which it incorporates expected recovery rates into   
the nonperformance risk adjustment for purposes of estimating the fair value of 
investment-type contracts and embedded derivatives within insurance contracts.  
The Company recognized a gain of $38 million, net of DAC and income tax,        
relating to implementing the refinement at June 30, 2010.                       

    The estimated fair value of the embedded derivatives within funds withheld
related to certain ceded reinsurance is determined based on the change in       
estimated fair value of the underlying assets held by the Company in a reference
portfolio backing the funds withheld liability. The estimated fair value of the 
underlying assets is determined as described above in "-- Fixed Maturity        
Securities, Equity Securities, Trading and Other Securities and Short-term      
Investments." 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                      

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

value recorded in net derivative gains (losses). Changes in the credit spreads  
on the underlying assets, interest rates and market volatility may result in    
significant fluctuations in the estimated fair value of these embedded          
derivatives that could materially affect net income.                            

The estimated fair value of the embedded equity and bond indexed      
derivatives contained in certain funding agreements is determined using market  
standard swap valuation models and observable market inputs, including an       
adjustment for nonperformance risk. The estimated fair value of these embedded  
derivatives are included, along with their funding agreements host, within      
policyholder account balances with changes in estimated fair value recorded in  
net derivative gains (losses). Changes in equity and bond indices, interest     
rates and the Company's credit standing may result in significant fluctuations  
in the estimated fair value of these embedded derivatives that could materially 
affect net income.                                                              

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 owned by the separate account. Assets within the Company's    
separate accounts include: mutual funds, fixed maturity securities, equity      
securities, mortgage loans, derivatives, hedge funds, other limited partnership 
interests, short-term investments and cash and cash equivalents. See            
"-- Valuation Techniques and Inputs by Level Within the Three-Level Fair Value  
Hierarchy by Major Classes of Assets and Liabilities" below for a discussion of 
the methods and assumptions used to estimate the fair value of these financial  
instruments.                                                                    

Long-term Debt of CSEs                                                      

   The Company has elected the FVO for the long-term debt of CSEs, which are
carried at estimated fair value. See "-- Valuation Techniques and Inputs by     
Level Within the Three-Level Fair Value Hierarchy by Major Classes of Assets and
Liabilities" below for a discussion of the methods and assumptions used to      
estimate the fair value of these financial instruments.                         

Trading Liabilities                                                         

  Trading liabilities are recorded at estimated fair value with subsequent
changes in estimated fair value recognized in net investment income. The        
estimated fair value of trading liabilities is determined on a basis consistent 
with the methodologies described in "-- Fixed Maturity Securities, Equity       
Securities, Trading and Other Securities and Short-term Investments."           

    VALUATION TECHNIQUES AND INPUTS BY LEVEL WITHIN THE THREE-LEVEL FAIR VALUE
HIERARCHY BY MAJOR CLASSES OF ASSETS AND LIABILITIES                            

 A description of the significant valuation techniques and inputs to the
determination of estimated fair value for the more significant asset and        
liability classes measured at fair value on a recurring basis is as follows:    

  The Company determines the estimated fair value of its investments using
primarily the market approach and the income approach. The use of quoted prices 
for identical assets and matrix pricing or other similar techniques are examples
of market approaches, while the use of discounted cash flow methodologies is an 
example of the income approach. The Company attempts to maximize the use of     
observable inputs and minimize the use of unobservable inputs in selecting      
whether the market or income approach is used.                                  

   While certain investments have been classified as Level 1 from the use of
unadjusted quoted prices for identical investments supported by high volumes of 
trading activity and narrow bid/ask spreads, most investments have been         
classified as Level 2 because the significant inputs used to measure the fair   
value on a recurring basis of the same or similar investment are market         
observable or can be corroborated using market observable information           

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

for the full term of the investment. Level 3 investments include those where    
estimated fair values are based on significant unobservable inputs that are     
supported by little or no market activity and may reflect our own assumptions   
about what factors market participants would use in pricing these investments.  

LEVEL 1 MEASUREMENTS:                                                           

Fixed Maturity Securities, Equity Securities and Short-term Investments     

These securities are comprised of U.S. Treasury, agency and government
guaranteed fixed maturity securities, RMBS -- principally to-be-announced       
securities, exchange traded common stock and short-term money market securities,
including U.S. Treasury bills. Valuation of these securities is based on        
unadjusted quoted prices in active markets that are readily and regularly       
available.                                                                      

Derivative Assets and Derivative Liabilities                                

    These assets and liabilities are comprised of exchange-traded derivatives.
Valuation of these assets and liabilities is based on unadjusted quoted prices  
in active markets that are readily and regularly available.                     

Separate Account Assets                                                     

    These assets are comprised of securities that are similar in nature to the
fixed maturity securities, equity securities and short-term investments referred
to above; and certain exchange-traded derivatives, including financial futures  
and owned options. Valuation is based on unadjusted quoted prices in active     
markets that are readily and regularly available.                               

LEVEL 2 MEASUREMENTS:                                                           

  Fixed Maturity Securities, Equity Securities, Trading and Other Securities and
Short-term Investments                                                      

    This level includes fixed maturity securities and equity securities priced
principally by independent pricing services using observable inputs. Trading and
other securities and short-term investments within this level are of a similar  
nature and class to the Level 2 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 and income approaches. Valuation is
   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 a benchmark yields, spreads off benchmark yields,
new issuances, issuer rating, duration, and trades of identical or    
 comparable securities. Investment grade privately placed securities are
 valued using a discounted cash flow 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. This level also includes certain below investment grade   
  privately placed fixed maturity securities priced by independent pricing
services that use observable inputs.                                  

 Structured securities comprised of RMBS, CMBS and ABS.  These
   securities are principally valued using the market approach. Valuation is
based primarily on matrix pricing 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.                                

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

      U.S. Treasury, agency and government guaranteed securities.  These
   securities are principally valued using the market approach. Valuation is
   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 benchmark U.S. Treasury yield curve, the spread off the U.S.
  Treasury curve for the identical security and comparable securities that
are actively traded.                                                  

Foreign government and state and political subdivision      
securities.  These securities are principally valued using the market 
   approach. Valuation is based primarily on matrix pricing or other similar
     techniques using standard market observable inputs including benchmark U.S.
Treasury 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 where market quotes are  
available but are not considered actively traded. Valuation is based  
  principally on observable inputs including quoted prices in markets that
are not considered active.                                            

Derivative Assets and Derivative Liabilities                                

 This level includes all types of derivative instruments utilized by the
Company with the exception of exchange-traded derivatives included within Level 
1 and those derivative instruments with unobservable inputs as described in     
Level 3. These derivatives are principally valued using an income approach.     

Interest rate contracts.                                                    

Non-option-based --  Valuations are based on present value techniques,
which utilize significant inputs that may include the swap yield curve, LIBOR   
basis curves, and repurchase rates.                                             

Option-based --  Valuations are based on option pricing models, which 
utilize significant inputs that may include the swap yield curve, LIBOR basis   
curves, and interest rate volatility.                                           

Foreign currency contracts.                                                 

Non-option-based --  Valuations are based on present value techniques,
which utilize significant inputs that may include the swap yield curve, LIBOR   
basis curves, currency spot rates, and cross currency basis curves.             

Credit contracts.                                                           

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 contracts.                                                    

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.                     

Embedded Derivatives Contained in Certain Funding Agreements                

These 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 spot equity and bond index 
level.                                                                          

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Separate Account Assets                                                     

     These assets are comprised of investments that are similar in nature to the
fixed maturity securities, equity securities, short-term investments and        
derivatives referred to above. Also included are certain mutual funds and hedge 
funds without readily determinable fair values given prices are not published   
publicly. Valuation of the mutual funds and hedge funds is based upon quoted    
prices or reported NAV provided by the fund managers.                           

LEVEL 3 MEASUREMENTS:                                                           

In general, investments classified within Level 3 use many of the same
valuation techniques and inputs as described above. 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 the general lack of transparency in   
the process to develop the valuation estimates generally causing these          
investments to be classified in Level 3.                                        

  Fixed Maturity Securities, Equity Securities, Trading and Other Securities and
Short-term Investments                                                      

    This level includes fixed maturity securities and equity securities priced
principally by independent broker quotations or market standard valuation       
methodologies using inputs that are not market observable or cannot be derived  
principally from or corroborated by observable market data. Trading and other   
securities and 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 and
income approaches. Valuations are based primarily on matrix pricing or
other similar techniques that utilize unobservable inputs or cannot be
derived principally from, or corroborated by, observable market data, 
   including illiquidity premiums and spread adjustments to reflect industry
trends or specific credit-related issues. Valuations may be based on  
independent non-binding broker quotations. Generally, below investment
    grade privately placed or distressed securities included in this level are
valued using discounted cash flow methodologies which rely upon       
significant, unobservable inputs and inputs that cannot be derived    
principally from, or corroborated by, observable market data.         

 Structured securities comprised of RMBS, CMBS and ABS.  These
   securities are principally valued using the market approach. Valuation is
    based primarily on matrix pricing or other similar techniques that utilize
inputs that are unobservable or cannot be derived principally from, or
   corroborated by, observable market data, or are based on independent non-
binding broker quotations. Below investment grade securities and ABS  
 supported by sub-prime mortgage loans 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, and certain of these securities are 
valued based on independent non-binding broker quotations.            

Foreign government and state and political subdivision      
securities.  These securities are principally valued using the market 
   approach. Valuation is based primarily on matrix pricing or other similar
 techniques, however these securities are less liquid and certain of the
inputs are based on very limited trading activity.                    

 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. Valuations are based primarily on
    matrix pricing or other similar techniques using inputs such as comparable
credit rating and issuance structure. Equity securities valuations    
determined                                                            

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

with discounted cash flow methodologies use inputs such as earnings   
    multiples based on comparable public companies, and industry-specific non-
   earnings based multiples. Certain of these securities are valued based on
independent non-binding broker quotations.                            

Derivative Assets and Derivative Liabilities                                

These derivatives are principally valued using an 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 contracts.                                                    

Non-option-based --  Significant unobservable inputs may include the  
extrapolation beyond observable limits of the swap yield curve and LIBOR basis  
curves.                                                                         

Option-based --  Significant unobservable inputs may include the      
extrapolation beyond observable limits of the swap yield curve, LIBOR basis     
curves, and interest rate volatility.                                           

Foreign currency contracts.                                                 

Non-option based --  Significant unobservable inputs may include the  
extrapolation beyond observable limits of the swap yield curve, LIBOR basis     
curves and cross currency basis curves. Certain of these derivatives are valued 
based on independent non-binding broker quotations.                             

Credit contracts.                                                           

 Non-option-based --  Significant unobservable inputs may include credit
correlation, 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.                             

Equity market contracts.                                                    

Non-option-based --  Significant unobservable inputs may include the  
extrapolation beyond observable limits of dividend yield curves.                

Option-based --  Significant unobservable inputs may include the      
extrapolation beyond observable limits of dividend yield curves and equity      
volatility.                                                                     

Guaranteed Minimum Benefit Guarantees                                       

     These embedded derivatives are principally valued using an 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.                         

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Reinsurance Ceded on Certain Guaranteed Minimum Benefit Guarantees          

     These embedded derivatives are principally valued using an 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, counterparty credit spreads 
and cost of capital for purposes of calculating the risk margin.                

Embedded Derivatives Within Funds Withheld Related to Certain Ceded         
Reinsurance                                                                 

These 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.                                                     

Separate Account Assets                                                     

     These assets are comprised of investments that are similar in nature to the
fixed maturity securities, equity securities and derivatives referred to above. 
Separate account assets within this level also include mortgage loans and other 
limited partnership interests. The estimated fair value of mortgage loans is    
determined by discounting expected future cash flows, using current interest    
rates for similar loans with similar credit risk. Other limited partnership     
interests 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 which may impact the exit
value of the particular partnership interest.                                   

Long-term Debt of CSEs                                                      

  The estimated fair value of the long-term debt of the Company's CSEs are
priced principally through independent broker quotations or market standard     
valuation methodologies using inputs that are not market observable or cannot be
derived from or corroborated by observable market data.                         

TRANSFERS BETWEEN LEVELS 1 AND 2:                                               

   During the year ended December 31, 2010, transfers between Levels 1 and 2
were not significant.                                                           

TRANSFERS INTO OR OUT OF LEVEL 3:                                               

    Overall, transfers into and/or out of Level 3 are attributable to a change
in the observability of inputs. 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 and/or  
out of any level are assumed                                                    

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

to occur at the beginning of the period. Significant transfers into and/or out  
of Level 3 assets and liabilities for the year ended December 31, 2010 are      
summarized below.                                                               

During the year ended December 31, 2010, fixed maturity securities    
transfers into Level 3 of $1,255 million, and separate account assets transfers 
into Level 3 of $46 million, resulted primarily from current market conditions  
characterized by a lack of trading activity, decreased liquidity and credit     
ratings downgrades (e.g., from investment grade to below investment grade).     
These current market conditions have resulted in decreased transparency of      
valuations and an increased use of broker quotations and unobservable inputs to 
determine estimated fair value principally for certain private placements       
included in U.S. and foreign corporate securities.                              

During the year ended December 31, 2010, fixed maturity securities    
transfers out of Level 3 of $1,066 million and separate account assets transfers
out of Level 3 of $231 million, 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 corroborate pricing received from      
independent pricing services with observable inputs or increases in market      
activity and upgraded credit ratings primarily for certain U.S. and foreign     
corporate securities, RMBS, ABS and foreign government securities.              

 F-101

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

A rollforward of all assets and liabilities measured at estimated fair
value on a recurring basis using significant unobservable (Level 3) inputs is as
follows:                                                                        

                                                        [Enlarge/Download Table]

                                              FAIR VALUE MEASUREMENTS USING SIGNIFICANT UNOBSERVABLE INPUTS (LEVEL 3)             
                                 -------------------------------------------------------------------------------------------------
                                                  TOTAL REALIZED/UNREALIZED                                                       
                                                 GAINS (LOSSES) INCLUDED IN:                                                      
                                              ---------------------------------      PURCHASES,                                   
                                                                      OTHER            SALES,                                     
                                  BALANCE,                        COMPREHENSIVE    ISSUANCES AND    TRANSFER INTO    TRANSFER OUT 
                                 JANUARY 1,   EARNINGS (1), (2)   INCOME (LOSS)   SETTLEMENTS (3)    LEVEL 3 (4)    OF LEVEL 3 (4)
                                 ----------   -----------------   -------------   ---------------   -------------   --------------
                                                                           (IN MILLIONS)                                          
                                                                                                                                  
YEAR ENDED DECEMBER 31, 2010:                                                                                                     
ASSETS:                                                                                                                           
Fixed maturity securities:                                                                                                        
  U.S. corporate securities.....   $ 4,674           $  7              $184            $(400)           $  751          $  (153)  
  Foreign corporate securities..     3,456            (33)              179             (709)              351             (448)  
  RMBS..........................     1,580             27                71             (333)               57             (192)  
  U.S. Treasury, agency and                                                                                                       
     government guaranteed                                                                                                        
     securities.................        --             --                --               22                22               --   
  CMBS..........................        87             --                50              (21)               45               --   
  ABS...........................     1,668            (39)              276              494                29             (139)  
  State and political                                                                                                             
     subdivision securities.....        20             --                --                2                --              (21)  
  Foreign government                                                                                                              
     securities.................       249              4                16               15                --             (113)  
                                   -------           ----              ----            -----            ------          -------   
     Total fixed maturity                                                                                                         
       securities...............   $11,734           $(34)             $776            $(930)           $1,255          $(1,066)  
                                   =======           ====              ====            =====            ======          =======   
Equity securities:                                                                                                                
  Common stock..................   $    64           $ (1)             $ --            $  16            $    1          $    (1)  
  Non-redeemable preferred                                                                                                        
     stock......................       793             30                 2             (192)               --               --   
                                   -------           ----              ----            -----            ------          -------   
     Total equity securities....   $   857           $ 29              $  2            $(176)           $    1          $    (1)  
                                   =======           ====              ====            =====            ======          =======   
Trading and other securities:                                                                                                     
  Actively Traded Securities....   $    32           $ --              $ --            $ (22)           $   --          $    --   
  FVO general account                                                                                                             
     securities.................        51             10                --              (30)               37              (18)  
                                   -------           ----              ----            -----            ------          -------   
     Total trading and other                                                                                                      
       securities...............   $    83           $ 10              $ --            $ (52)           $   37          $   (18)  
                                   =======           ====              ====            =====            ======          =======   
Short-term investments..........   $     8           $  1              $ --            $ 370            $   --          $    --   
Net derivatives: (5)                                                                                                              
  Interest rate contracts.......   $    --           $ 23              $(36)           $ (10)           $   --          $    --   
  Foreign currency contracts....        53             28                --              (35)               --               --   
  Credit contracts..............        37              2                 1               (7)               --               --   
  Equity market contracts.......         2             (2)               --               --                --               --   
                                   -------           ----              ----            -----            ------          -------   
     Total net derivatives......   $    92           $ 51              $(35)           $ (52)           $   --          $    --   
                                   =======           ====              ====            =====            ======          =======   
Separate account assets (6).....   $ 1,583           $142              $ --            $ (31)           $   46          $  (231)  

                                  FAIR VALUE                                                                                      
                                 MEASUREMENTS                                                                                     
                                     USING                                                                                        
                                  SIGNIFICANT                                                                                     
                                 UNOBSERVABLE                                                                                     
                                    INPUTS                                                                                        
                                   (LEVEL 3)                                                                                      
                                 ------------                                                                                     
                                   BALANCE,                                                                                       
                                 DECEMBER 31,                                                                                     
                                 ------------                                                                                     
                                      (IN                                                                                         
                                   MILLIONS)                                                                                      
                                                                                                                                  
YEAR ENDED DECEMBER 31, 2010:                                                                                                     
ASSETS:                                                                                                                           
Fixed maturity securities:                                                                                                        
  U.S. corporate securities.....    $ 5,063                                                                                       
  Foreign corporate securities..      2,796                                                                                       
  RMBS..........................      1,210                                                                                       
  U.S. Treasury, agency and                                                                                                       
     government guaranteed                                                                                                        
     securities.................         44                                                                                       
  CMBS..........................        161                                                                                       
  ABS...........................      2,289                                                                                       
  State and political                                                                                                             
     subdivision securities.....          1                                                                                       
  Foreign government                                                                                                              
     securities.................        171                                                                                       
                                    -------                                                                                       
     Total fixed maturity                                                                                                         
       securities...............    $11,735                                                                                       
                                    =======                                                                                       
Equity securities:                                                                                                                
  Common stock..................    $    79                                                                                       
  Non-redeemable preferred                                                                                                        
     stock......................        633                                                                                       
                                    -------                                                                                       
     Total equity securities....    $   712                                                                                       
                                    =======                                                                                       
Trading and other securities:                                                                                                     
  Actively Traded Securities....    $    10                                                                                       
  FVO general account                                                                                                             
     securities.................         50                                                                                       
                                    -------                                                                                       
     Total trading and other                                                                                                      
       securities...............    $    60                                                                                       
                                    =======                                                                                       
Short-term investments..........    $   379                                                                                       
Net derivatives: (5)                                                                                                              
  Interest rate contracts.......    $   (23)                                                                                      
  Foreign currency contracts....         46                                                                                       
  Credit contracts..............         33                                                                                       
  Equity market contracts.......         --                                                                                       
                                    -------                                                                                       
     Total net derivatives......    $    56                                                                                       
                                    =======                                                                                       
Separate account assets (6).....    $ 1,509                                                                                       

                                                        [Enlarge/Download Table]

                                             FAIR VALUE MEASUREMENTS USING SIGNIFICANT UNOBSERVABLE INPUTS (LEVEL 3)        
                                    ----------------------------------------------------------------------------------------
                                                           TOTAL                                                            
                                                    REALIZED/UNREALIZED                                                     
                                                  (GAINS) LOSSES INCLUDED                                                   
                                                            IN:                                                             
                                                 ------------------------      PURCHASES,                                   
                                                                OTHER            SALES,                                     
                                     BALANCE,    EARNINGS   COMPREHENSIVE    ISSUANCES AND    TRANSFER INTO    TRANSFER OUT 
                                    JANUARY 1,   (1), (2)   INCOME (LOSS)   SETTLEMENTS (3)    LEVEL 3 (4)    OF LEVEL 3 (4)
                                    ----------   --------   -------------   ---------------   -------------   --------------
                                                                          (IN MILLIONS)                                     
                                                                                                                            
YEAR ENDED DECEMBER 31, 2010:                                                                                               
LIABILITIES:                                                                                                                
Net embedded derivatives (7).......    $(166)      $588          $--              $(40)            $--              $--     
Long-term debt of consolidated                                                                                              
  securitization entities (8)......    $  --       $(48)         $--              $232             $--              $--     

                                     FAIR VALUE                                                                             
                                    MEASUREMENTS                                                                            
                                        USING                                                                               
                                     SIGNIFICANT                                                                            
                                    UNOBSERVABLE                                                                            
                                       INPUTS                                                                               
                                      (LEVEL 3)                                                                             
                                    ------------                                                                            
                                      BALANCE,                                                                              
                                    DECEMBER 31,                                                                            
                                    ------------                                                                            
                                         (IN                                                                                
                                      MILLIONS)                                                                             
                                                                                                                            
YEAR ENDED DECEMBER 31, 2010:                                                                                               
LIABILITIES:                                                                                                                
Net embedded derivatives (7).......     $382                                                                                
Long-term debt of consolidated                                                                                              
  securitization entities (8)......     $184                                                                                

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                             FAIR VALUE MEASUREMENTS USING SIGNIFICANT UNOBSERVABLE INPUTS (LEVEL 3)     
                                        ---------------------------------------------------------------------------------
                                                         TOTAL REALIZED/UNREALIZED                                       
                                                        GAINS (LOSSES) INCLUDED IN:                                      
                                                     ---------------------------------      PURCHASES,                   
                                                                             OTHER            SALES,        TRANSFER INTO
                                         BALANCE,                        COMPREHENSIVE    ISSUANCES AND      AND/OR OUT  
                                        JANUARY 1,   EARNINGS (1), (2)   INCOME (LOSS)   SETTLEMENTS (3)   OF LEVEL 3 (4)
                                        ----------   -----------------   -------------   ---------------   --------------
                                                                          (IN MILLIONS)                                  
                                                                                                                         
YEAR ENDED DECEMBER 31, 2009:                                                                                            
ASSETS:                                                                                                                  
Fixed maturity securities:                                                                                               
  U.S. corporate securities...........    $ 5,089         $  (276)           $  572          $(1,002)           $ 291    
  Foreign corporate securities........      3,367            (210)            1,156             (614)            (243)   
  RMBS................................        373              35                80            1,134              (42)   
  U.S. Treasury, agency and government                                                                                   
     guaranteed securities............         48              --                --              (27)             (21)   
  CMBS................................        138               6                 4              (38)             (23)   
  ABS.................................      1,487             (63)              281              (61)              24    
  State and political subdivision                                                                                        
     securities.......................         76              --                 1              (15)             (42)   
  Foreign government securities.......        202               2                18               66              (39)   
                                          -------         -------            ------          -------            -----    
     Total fixed maturity securities..    $10,780         $  (506)           $2,112          $  (557)           $ (95)   
                                          =======         =======            ======          =======            =====    
Equity securities:                                                                                                       
  Common stock........................    $    59         $    (2)           $   (2)         $     9            $  --    
  Non-redeemable preferred stock......        918            (251)              355             (190)             (39)   
                                          -------         -------            ------          -------            -----    
     Total equity securities..........    $   977         $  (253)           $  353          $  (181)           $ (39)   
                                          =======         =======            ======          =======            =====    
Trading and other securities..........    $   116         $    16            $   --          $   (49)           $  --    
Short-term investments................    $    75         $    (9)           $   --          $   (53)           $  (5)   
Net derivatives (5)...................    $   (19)        $    35            $   (1)         $    79            $  (2)   
Net embedded derivatives (7)..........    $ 1,702         $(1,570)           $   --          $    34            $  --    
Separate account assets (6)...........    $ 1,486         $  (221)           $   --          $   452            $(134)   

                                         FAIR VALUE                                                                      
                                        MEASUREMENTS                                                                     
                                            USING                                                                        
                                         SIGNIFICANT                                                                     
                                        UNOBSERVABLE                                                                     
                                           INPUTS                                                                        
                                          (LEVEL 3)                                                                      
                                        ------------                                                                     
                                          BALANCE,                                                                       
                                        DECEMBER 31,                                                                     
                                        ------------                                                                     
                                             (IN                                                                         
                                          MILLIONS)                                                                      
                                                                                                                         
YEAR ENDED DECEMBER 31, 2009:                                                                                            
ASSETS:                                                                                                                  
Fixed maturity securities:                                                                                               
  U.S. corporate securities...........     $ 4,674                                                                       
  Foreign corporate securities........       3,456                                                                       
  RMBS................................       1,580                                                                       
  U.S. Treasury, agency and government                                                                                   
     guaranteed securities............          --                                                                       
  CMBS................................          87                                                                       
  ABS.................................       1,668                                                                       
  State and political subdivision                                                                                        
     securities.......................          20                                                                       
  Foreign government securities.......         249                                                                       
                                           -------                                                                       
     Total fixed maturity securities..     $11,734                                                                       
                                           =======                                                                       
Equity securities:                                                                                                       
  Common stock........................     $    64                                                                       
  Non-redeemable preferred stock......         793                                                                       
                                           -------                                                                       
     Total equity securities..........     $   857                                                                       
                                           =======                                                                       
Trading and other securities..........     $    83                                                                       
Short-term investments................     $     8                                                                       
Net derivatives (5)...................     $    92                                                                       
Net embedded derivatives (7)..........     $   166                                                                       
Separate account assets (6)...........     $ 1,583                                                                       

                                                        [Enlarge/Download Table]

                                        FAIR VALUE MEASUREMENTS USING SIGNIFICANT UNOBSERVABLE INPUTS (LEVEL 3)          
                             --------------------------------------------------------------------------------------------
                                                                          TOTAL REALIZED/UNREALIZED                      
                                                                         GAINS (LOSSES) INCLUDED IN:                     
                                                                      ---------------------------------      PURCHASES,  
                               BALANCE,                                                       OTHER            SALES,    
                             DECEMBER 31,    IMPACT OF    BALANCE,                        COMPREHENSIVE    ISSUANCES AND 
                                 2007      ADOPTION (9)  JANUARY 1,   EARNINGS (1), (2)   INCOME (LOSS)   SETTLEMENTS (3)
                             ------------  ------------  ----------   -----------------   -------------   ---------------
                                                                     (IN MILLIONS)                                       
                                                                                                                         
YEAR ENDED DECEMBER 31,                                                                                                  
  2008:                                                                                                                  
ASSETS:                                                                                                                  
Fixed maturity securities:                                                                                               
  U.S. corporate                                                                                                         
     securities............     $ 5,527       $    --      $ 5,527          $ (455)          $(1,085)          $ 606     
  Foreign corporate                                                                                                      
     securities............       4,752            --        4,752            (127)           (1,794)           (104)    
  RMBS.....................         899            --          899              (2)             (111)            (53)    
  U.S. Treasury, agency and                                                                                              
     government guaranteed                                                                                               
     securities............          55            --           55              --                (1)            (29)    
  CMBS.....................         271            --          271              (6)              (57)              2     
  ABS......................       2,814            --        2,814             (80)             (672)           (549)    
  State and political                                                                                                    
     subdivision                                                                                                         
     securities............          56            --           56               1                11              33     
  Foreign government                                                                                                     
     securities............         475            --          475              (5)              (17)           (256)    
  Other fixed maturity                                                                                                   
     securities............         217            --          217              --               (37)           (180)    
                                -------       -------      -------          ------           -------           -----     
     Total fixed maturity                                                                                                
       securities..........     $15,066           $--      $15,066          $ (674)          $(3,763)          $(530)    
                                =======       =======      =======          ======           =======           =====     
Equity securities:                                                                                                       
  Common stock.............     $    60           $--      $    60          $    2           $    (4)          $   1     
  Non-redeemable preferred                                                                                               
     stock.................       1,467            --        1,467            (130)             (342)            (55)    
                                -------       -------      -------          ------           -------           -----     
     Total equity                                                                                                        
       securities..........     $ 1,527           $--      $ 1,527          $ (128)          $  (346)          $ (54)    
                                =======       =======      =======          ======           =======           =====     
Trading and other                                                                                                        
  securities...............     $   174           $--      $   174          $  (26)          $    --           $ (32)    
Short-term investments.....     $   149           $--      $   149          $   (2)          $    --           $ (72)    
Net embedded derivatives                                                                                                 
  (7)......................     $    25           $30      $    55          $1,631           $    --           $  16     
Separate account assets                                                                                                  
  (6)......................     $ 1,170           $--      $ 1,170          $  (86)          $    --           $ (22)    

                               FAIR VALUE MEASUREMENTS                                                                   
                                  USING SIGNIFICANT                                                                      
                              UNOBSERVABLE INPUTS (LEVEL                                                                 
                                          3)                                                                             
                             ---------------------------                                                                 
                             TRANSFER INTO                                                                               
                             AND/OR OUT OF    BALANCE,                                                                   
                              LEVEL 3 (4)   DECEMBER 31,                                                                 
                             -------------  ------------                                                                 
                                    (IN MILLIONS)                                                                        
                                                                                                                         
YEAR ENDED DECEMBER 31,                                                                                                  
  2008:                                                                                                                  
ASSETS:                                                                                                                  
Fixed maturity securities:                                                                                               
  U.S. corporate                                                                                                         
     securities............      $ 496         $ 5,089                                                                   
  Foreign corporate                                                                                                      
     securities............        640           3,367                                                                   
  RMBS.....................       (360)            373                                                                   
  U.S. Treasury, agency and                                                                                              
     government guaranteed                                                                                               
     securities............         23              48                                                                   
  CMBS.....................        (72)            138                                                                   
  ABS......................        (26)          1,487                                                                   
  State and political                                                                                                    
     subdivision                                                                                                         
     securities............        (25)             76                                                                   
  Foreign government                                                                                                     
     securities............          5             202                                                                   
  Other fixed maturity                                                                                                   
     securities............         --              --                                                                   
                                 -----         -------                                                                   
     Total fixed maturity                                                                                                
       securities..........      $ 681         $10,780                                                                   
                                 =====         =======                                                                   
Equity securities:                                                                                                       
  Common stock.............      $  --         $    59                                                                   
  Non-redeemable preferred                                                                                               
     stock.................        (22)            918                                                                   
                                 -----         -------                                                                   
     Total equity                                                                                                        
       securities..........      $ (22)        $   977                                                                   
                                 =====         =======                                                                   
Trading and other                                                                                                        
  securities...............      $  --         $   116                                                                   
Short-term investments.....      $  --         $    75                                                                   
Net embedded derivatives                                                                                                 
  (7)......................      $  --         $ 1,702                                                                   
Separate account assets                                                                                                  
  (6)......................      $ 424         $ 1,486                                                                   

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                       FAIR VALUE MEASUREMENTS USING SIGNIFICANT UNOBSERVABLE INPUTS (LEVEL 3)           
                           ----------------------------------------------------------------------------------------------
                                                                          TOTAL REALIZED/UNREALIZED                      
                                                                         (GAINS) LOSSES INCLUDED IN:                     
                                                                      ---------------------------------      PURCHASES,  
                             BALANCE,                                                         OTHER            SALES,    
                           DECEMBER 31,     IMPACT OF     BALANCE,                        COMPREHENSIVE    ISSUANCES AND 
                               2007       ADOPTION (9)   JANUARY 1,   EARNINGS (1), (2)   INCOME (LOSS)   SETTLEMENTS (3)
                           ------------   ------------   ----------   -----------------   -------------   ---------------
                                                                                                   (IN MILLIONS)         
                                                                                                                         
YEAR ENDED DECEMBER 31,                                                                                                  
  2008:                                                                                                                  
LIABILITIES:                                                                                                             
Net derivatives (5).......     $(134)          $1           $(133)           $60               $--              $92      

                              FAIR VALUE MEASUREMENTS                                                                    
                                 USING SIGNIFICANT                                                                       
                            UNOBSERVABLE INPUTS (LEVEL                                                                   
                                        3)                                                                               
                           ----------------------------                                                                  
                           TRANSFER INTO                                                                                 
                           AND/OR OUT OF     BALANCE,                                                                    
                            LEVEL 3 (4)    DECEMBER 31,                                                                  
                           -------------   ------------                                                                  
                                                                                                                         
YEAR ENDED DECEMBER 31,                                                                                                  
  2008:                                                                                                                  
LIABILITIES:                                                                                                             
Net derivatives (5).......      $--             $19                                                                      

--------                                                                        

   (1) Amortization of premium/discount is included within net investment income
    which is reported within the earnings caption of total gains (losses).
   Impairments charged to earnings on securities are included within net
      investment gains (losses) which are reported within the earnings caption
      of total gains (losses). Lapses associated with embedded derivatives are
included within the earnings caption of total 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/issuance price (for purchases and issuances) and the 
  sales/settlement proceeds (for sales and settlements) based upon the
      actual date purchased/issued or sold/settled. Items purchased/issued and
    sold/settled in the same period are excluded from the rollforward. For
    embedded derivatives, attributed fees are included within this caption
along with settlements, if any.                                   

(4) Total gains and losses (in earnings 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 out
in the same period are excluded from the rollforward.             

(5) Freestanding derivative assets and liabilities are presented net for  
purposes of the rollforward.                                      

   (6) Investment performance related to separate account assets is fully offset
     by corresponding amounts credited to contractholders whose liability is
reflected within separate account liabilities.                    

   (7) Embedded derivative assets and liabilities are presented net for purposes
of the rollforward.                                               

  (8) The long-term debt at January 1, 2010 of the CSEs is reported within the
purchases, sales, issuances and settlements activity column of the
rollforward.                                                      

  (9) The impact of adoption of fair value measurement guidance represents the
   amount recognized in earnings resulting from a change in estimate for
    certain Level 3 financial instruments held at January 1, 2008. The net
   impact of adoption on Level 3 assets and liabilities presented in the
   table above was a $29 million increase to net assets. Such amount was
  also impacted by a decrease to DAC of $9 million. The impact of this
   adoption on RGA-- not reflected in the table above as a result of the
     inclusion of RGA in discontinued operations -- was a net increase of $2
      million (i.e., a decrease in Level 3 net embedded derivative liabilities
  of $17 million, offset by a DAC decrease of $15 million) for a total
 increase of $22 million in Level 3 net assets. This increase of $22
      million, offset by a $9 million reduction in the estimated fair value of
 Level 2 freestanding derivatives, resulted in a total net impact of
adoption of $13 million.                                          

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  The tables below summarize both realized and unrealized gains and losses
due to changes in estimated fair value recorded in earnings for Level 3 assets  
and liabilities:                                                                

                                                        [Enlarge/Download Table]

                                                            TOTAL GAINS AND LOSSES                    
                                        ------------------------------------------------------------- 
                                                 CLASSIFICATION OF REALIZED/UNREALIZED GAINS          
                                                        (LOSSES) INCLUDED IN EARNINGS                 
                                        ------------------------------------------------------------- 
                                            NET               NET                 NET                 
                                        INVESTMENT        INVESTMENT          DERIVATIVE              
                                          INCOME        GAINS (LOSSES)      GAINS (LOSSES)      TOTAL 
                                        ----------      --------------      --------------      ----- 
                                                                (IN MILLIONS)                         
                                                                                                      
YEAR ENDED DECEMBER 31, 2010:                                                                         
ASSETS:                                                                                               
Fixed maturity securities:                                                                            
  U.S. corporate securities............      $17             $ (10)              $  --          $   7 
  Foreign corporate securities.........       (1)              (32)                 --            (33)
  RMBS.................................       36                (9)                 --             27 
  CMBS.................................        2                (2)                 --             -- 
  ABS..................................       32               (71)                 --            (39)
  Foreign government securities........        5                (1)                 --              4 
                                           -----             -----               -----          ----- 
     Total fixed maturity securities...      $91             $(125)              $  --          $ (34)
                                           =====             =====               =====          ===== 
Equity securities:                                                                                    
  Common stock.........................    $  --             $  (1)              $  --          $  (1)
  Non-redeemable preferred stock.......       --                30                  --             30 
                                           -----             -----               -----          ----- 
     Total equity securities...........      $--             $  29               $  --          $  29 
                                           =====             =====               =====          ===== 
Short-term investments.................      $ 1             $  --               $  --          $   1 
Trading and other securities:                                                                         
  FVO general account securities.......      $10             $  --               $  --          $  10 
Net derivatives:                                                                                      
  Interest rate contracts..............      $--             $  --               $  23          $  23 
  Foreign currency contracts...........       --                --                  28             28 
  Credit contracts.....................       --                --                   2              2 
  Equity market contracts..............       --                --                  (2)            (2)
                                           -----             -----               -----          ----- 
     Total net derivatives.............      $--             $  --               $  51          $  51 
                                           =====             =====               =====          ===== 
LIABILITIES:                                                                                          
Net embedded derivatives...............      $--             $  --               $(588)         $(588)
Long-term debt of consolidated                                                                        
  securitization entities..............      $--             $  48               $  --          $  48 

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                            TOTAL GAINS AND LOSSES                     
                                       --------------------------------------------------------------- 
                                                 CLASSIFICATION OF REALIZED/UNREALIZED GAINS           
                                                        (LOSSES) INCLUDED IN EARNINGS                  
                                       --------------------------------------------------------------- 
                                           NET               NET                 NET                   
                                       INVESTMENT        INVESTMENT          DERIVATIVE                
                                         INCOME        GAINS (LOSSES)      GAINS (LOSSES)       TOTAL  
                                       ----------      --------------      --------------      ------- 
                                                                (IN MILLIONS)                          
                                                                                                       
YEAR ENDED DECEMBER 31, 2009:                                                                          
ASSETS:                                                                                                
Fixed maturity securities:                                                                             
  U.S. corporate securities...........    $  12             $(288)             $    --         $  (276)
  Foreign corporate securities........       (8)             (202)                  --            (210)
  RMBS................................       30                 5                   --              35 
  CMBS................................       --                 6                   --               6 
  ABS.................................        8               (71)                  --             (63)
  Foreign government securities.......        3                (1)                  --               2 
                                          -----             -----              -------         ------- 
     Total fixed maturity securities..      $45             $(551)             $    --         $  (506)
                                          =====             =====              =======         ======= 
Equity securities:                                                                                     
  Common stock........................      $--             $  (2)             $    --         $    (2)
  Non-redeemable preferred stock......       --              (251)                  --            (251)
                                          -----             -----              -------         ------- 
     Total equity securities..........      $--             $(253)             $    --         $  (253)
                                          =====             =====              =======         ======= 
Trading and other securities..........      $16             $  --              $    --         $    16 
Short-term investments................      $--             $  (9)             $    --         $    (9)
Net derivatives.......................      $--             $  --              $    35         $    35 
LIABILITIES:                                                                                           
Net embedded derivatives..............      $--             $  --              $(1,570)        $(1,570)

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                            TOTAL GAINS AND LOSSES                     
                                        -------------------------------------------------------------- 
                                                  CLASSIFICATION OF REALIZED/UNREALIZED GAINS          
                                                         (LOSSES) INCLUDED IN EARNINGS                 
                                        -------------------------------------------------------------- 
                                            NET               NET                 NET                  
                                        INVESTMENT        INVESTMENT          DERIVATIVE               
                                          INCOME        GAINS (LOSSES)      GAINS (LOSSES)       TOTAL 
                                        ----------      --------------      --------------      ------ 
                                                                 (IN MILLIONS)                         
                                                                                                       
YEAR ENDED DECEMBER 31, 2008:                                                                          
ASSETS:                                                                                                
Fixed maturity securities:                                                                             
  U.S. corporate securities............    $  8              $(463)             $   --          $ (455)
  Foreign corporate securities.........      (6)              (121)                 --            (127)
  RMBS.................................      --                 (2)                 --              (2)
  CMBS.................................      --                 (6)                 --              (6)
  ABS..................................       3                (83)                 --             (80)
  State and political subdivision                                                                      
     securities........................      --                  1                  --               1 
  Foreign government securities........       4                 (9)                 --              (5)
                                           ----              -----              ------          ------ 
     Total fixed maturity securities...    $  9              $(683)             $   --          $ (674)
                                           ====              =====              ======          ====== 
Equity securities:                                                                                     
  Common stock.........................    $ --              $   2              $   --          $    2 
  Non-redeemable preferred stock.......      --               (130)                 --            (130)
                                           ----              -----              ------          ------ 
     Total equity securities...........    $ --              $(128)             $   --          $ (128)
                                           ====              =====              ======          ====== 
Trading and other securities...........    $(26)             $  --              $   --          $  (26)
Short-term investments.................    $  1              $  (3)             $   --          $   (2)
LIABILITIES:                                                                                           
Net derivatives........................    $ --              $  --              $  (60)         $  (60)
Net embedded derivatives...............    $ --              $  --              $1,631          $1,631 

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

    The tables below summarize the portion of unrealized gains and losses, due
to changes in estimated fair value, recorded in earnings for Level 3 assets and 
liabilities that were still held at the respective time periods:                

                                                        [Enlarge/Download Table]

                                                     CHANGES IN UNREALIZED GAINS (LOSSES)             
                                         RELATING TO ASSETS AND LIABILITIES HELD AT DECEMBER 31, 2010 
                                        ------------------------------------------------------------- 
                                            NET               NET                 NET                 
                                        INVESTMENT        INVESTMENT          DERIVATIVE              
                                          INCOME        GAINS (LOSSES)      GAINS (LOSSES)      TOTAL 
                                        ----------      --------------      --------------      ----- 
                                                                (IN MILLIONS)                         
                                                                                                      
YEAR ENDED DECEMBER 31, 2010:                                                                         
ASSETS:                                                                                               
Fixed maturity securities:                                                                            
  U.S. corporate securities............     $ 8              $ (32)              $  --          $ (24)
  Foreign corporate securities.........      (2)               (43)                 --            (45)
  RMBS.................................      36                 --                  --             36 
  CMBS.................................       1                 (2)                 --             (1)
  ABS..................................      31                (49)                 --            (18)
  Foreign government securities........       5                 --                  --              5 
                                            ---              -----               -----          ----- 
     Total fixed maturity securities...     $79              $(126)              $  --          $ (47)
                                            ===              =====               =====          ===== 
Equity securities:                                                                                    
  Common stock.........................     $--              $  (2)              $  --          $  (2)
  Non-redeemable preferred stock.......      --                 (3)                 --             (3)
                                            ---              -----               -----          ----- 
     Total equity securities...........     $--              $  (5)              $  --          $  (5)
                                            ===              =====               =====          ===== 
Trading and other securities:                                                                         
  FVO general account securities.......     $13              $  --               $  --          $  13 
     Short-term investments............     $ 1              $  --               $  --          $   1 
Net derivatives:                                                                                      
  Interest rate contracts..............     $--              $  --               $  23          $  23 
  Foreign currency contracts...........      --                 --                  21             21 
  Credit contracts.....................      --                 --                   3              3 
  Equity market contracts..............      --                 --                  (2)            (2)
                                            ---              -----               -----          ----- 
     Total net derivatives.............     $--              $  --               $  45          $  45 
                                            ===              =====               =====          ===== 
LIABILITIES:                                                                                          
Net embedded derivatives...............     $                $                   $(584)         $(584)
Long-term debt of consolidated                                                                        
  securitization entities..............     $--              $  48               $  --          $  48 

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                     CHANGES IN UNREALIZED GAINS (LOSSES)              
                                         RELATING TO ASSETS AND LIABILITIES HELD AT DECEMBER 31, 2009  
                                       --------------------------------------------------------------- 
                                           NET               NET                 NET                   
                                       INVESTMENT        INVESTMENT          DERIVATIVE                
                                         INCOME        GAINS (LOSSES)      GAINS (LOSSES)       TOTAL  
                                       ----------      --------------      --------------      ------- 
                                                                (IN MILLIONS)                          
                                                                                                       
YEAR ENDED DECEMBER 31, 2009:                                                                          
ASSETS:                                                                                                
Fixed maturity securities:                                                                             
  U.S. corporate securities...........    $  11             $(281)             $    --         $  (270)
  Foreign corporate securities........       (7)             (106)                  --            (113)
  RMBS................................       30                 6                   --              36 
  CMBS................................       --                (5)                  --              (5)
  ABS.................................        8               (97)                  --             (89)
  Foreign government securities.......        3                --                   --               3 
                                          -----             -----              -------         ------- 
     Total fixed maturity securities..      $45             $(483)             $    --         $  (438)
                                          =====             =====              =======         ======= 
Equity securities:                                                                                     
  Common stock........................      $--             $  (1)             $    --         $    (1)
  Non-redeemable preferred stock......       --              (128)                  --            (128)
                                          -----             -----              -------         ------- 
     Total equity securities..........      $--             $(129)             $    --         $  (129)
                                          =====             =====              =======         ======= 
Trading and other securities..........      $15             $  --              $    --         $    15 
Net derivatives.......................      $--             $  --              $    96         $    96 
LIABILITIES:                                                                                           
Net embedded derivatives..............      $--             $  --              $(1,568)        $(1,568)

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                     CHANGES IN UNREALIZED GAINS (LOSSES)              
                                         RELATING TO ASSETS AND LIABILITIES HELD AT DECEMBER 31, 2008  
                                        -------------------------------------------------------------- 
                                            NET               NET                 NET                  
                                        INVESTMENT        INVESTMENT          DERIVATIVE               
                                          INCOME        GAINS (LOSSES)      GAINS (LOSSES)       TOTAL 
                                        ----------      --------------      --------------      ------ 
                                                                 (IN MILLIONS)                         
                                                                                                       
YEAR ENDED DECEMBER 31, 2008:                                                                          
ASSETS:                                                                                                
Fixed maturity securities:                                                                             
  U.S. corporate securities............    $  6              $(283)             $   --          $ (277)
  Foreign corporate securities.........      (8)              (120)                 --            (128)
  RMBS.................................      --                 --                  --              -- 
  CMBS.................................      --                 --                  --              -- 
  ABS..................................       3                (63)                 --             (60)
  Foreign government securities........       4                 --                  --               4 
                                           ----              -----              ------          ------ 
     Total fixed maturity securities...    $  5              $(466)             $   --          $ (461)
                                           ====              =====              ======          ====== 
Equity securities:                                                                                     
  Common stock.........................    $ --              $  (1)             $   --          $   (1)
  Non-redeemable preferred stock.......      --               (113)                 --            (113)
                                           ----              -----              ------          ------ 
     Total equity securities...........    $ --              $(114)             $   --          $ (114)
                                           ====              =====              ======          ====== 
Trading and other securities...........    $(18)             $  --              $   --          $  (18)
LIABILITIES:                                                                                           
Net derivatives........................    $ --              $  --              $  (93)         $  (93)
Net embedded derivatives...............    $ --              $  --              $1,632          $1,632 

FVO -- CONSOLIDATED SECURITIZATION ENTITIES                                     

     As discussed in Note 1, upon the adoption of new guidance effective January
1, 2010, the Company elected fair value accounting for the following assets and 
liabilities held by CSEs: securities and long-term debt. Information on the     
estimated fair value of the securities classified as trading and other          
securities is presented in Note 3. The following table presents the long-term   
debt carried under the FVO related to securities classified as trading and other
securities at:                                                                  

                                                                [Download Table]

                                                                 DECEMBER 31, 2010
                                                                 -----------------
                                                                   (IN MILLIONS)  
                                                                                  
Contractual principal balance...................................        $214      
Excess of contractual principal balance over estimated fair                       
  value.........................................................         (30)     
                                                                        ----      
  Carrying value at estimated fair value........................        $184      
                                                                        ====      


   Interest expense on long-term debt of CSEs is recorded in other expenses.
Gains and losses from initial measurement, subsequent changes in estimated fair 
value and gains or losses on sales of long-term debt are recognized in net      
investment gains (losses), which is summarized in Note 3.                       

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

NON-RECURRING FAIR VALUE MEASUREMENTS                                       

Certain assets are measured at estimated fair value on a non-recurring
basis and are not included in the tables presented above. The amounts below     
relate to certain investments measured at estimated fair value during the period
and still held at the reporting dates.                                          

                                                        [Enlarge/Download Table]

                                                               YEARS ENDED DECEMBER 31,                                      
                         ----------------------------------------------------------------------------------------------------
                                         2010                                  2009                            2008          
                         ------------------------------------  ------------------------------------  ------------------------
                           CARRYING    ESTIMATED       NET       CARRYING    ESTIMATED       NET       CARRYING    ESTIMATED 
                            VALUE         FAIR     INVESTMENT     VALUE         FAIR     INVESTMENT     VALUE         FAIR   
                           PRIOR TO   VALUE AFTER     GAINS      PRIOR TO   VALUE AFTER     GAINS      PRIOR TO   VALUE AFTER
                         MEASUREMENT  MEASUREMENT   (LOSSES)   MEASUREMENT  MEASUREMENT   (LOSSES)   MEASUREMENT  MEASUREMENT
                         -----------  -----------  ----------  -----------  -----------  ----------  -----------  -----------
                                                                     (IN MILLIONS)                                           
                                                                                                                             
Mortgage loans: (1)                                                                                                          
  Held-for-investment..      $176         $160        $(16)        $248         $168        $ (80)       $234         $188   
  Held-for-sale........        --           --          --           --           --           --          26           16   
                             ----         ----        ----         ----         ----        -----        ----         ----   
     Mortgage loans,                                                                                                         
       net.............      $176         $160        $(16)        $248         $168        $ (80)       $260         $204   
                             ====         ====        ====         ====         ====        =====        ====         ====   
Other limited                                                                                                                
  partnership interests                                                                                                      
  (2)..................      $  3         $  1        $ (2)        $805         $517        $(288)       $230         $131   
Real estate joint                                                                                                            
  ventures (3).........      $  8         $  3        $ (5)        $ 80         $ 43        $ (37)       $ --         $ --   

                            YEARS                                                                                            
                            ENDED                                                                                            
                          DECEMBER                                                                                           
                             31,                                                                                             
                         ----------                                                                                          
                            2008                                                                                             
                         ----------                                                                                          
                             NET                                                                                             
                         INVESTMENT                                                                                          
                            GAINS                                                                                            
                          (LOSSES)                                                                                           
                         ----------                                                                                          
                             (IN                                                                                             
                          MILLIONS)                                                                                          
                                                                                                                             
Mortgage loans: (1)                                                                                                          
  Held-for-investment..     $(46)                                                                                            
  Held-for-sale........      (10)                                                                                            
                            ----                                                                                             
     Mortgage loans,                                                                                                         
       net.............     $(56)                                                                                            
                            ====                                                                                             
Other limited                                                                                                                
  partnership interests                                                                                                      
  (2)..................     $(99)                                                                                            
Real estate joint                                                                                                            
  ventures (3).........     $ --                                                                                             

--------                                                                        

(1) Mortgage loans -- The impaired mortgage loans presented above were    
     written down to their estimated fair values at the date the impairments
       were recognized and are reported as losses above. Subsequent improvements
     in estimated fair value on previously impaired loans recorded through a
      reduction in the previously established valuation allowance are reported
   as gains above. Estimated fair values for impaired mortgage loans are
      based on observable market prices or, if the loans are in foreclosure or
   are otherwise determined to be collateral dependent, on the estimated
  fair value of the underlying collateral, or the present value of the
 expected future cash flows. Impairments to estimated fair value and
decreases in previous impairments from subsequent improvements in 
       estimated fair value represent non-recurring fair value measurements that
    have been categorized as Level 3 due to the lack of price transparency
inherent in the limited markets for such mortgage loans.          

   (2) Other limited partnership interests -- The impaired investments presented
       above were accounted for using the cost method. Impairments on these cost
   method investments were recognized at estimated fair value determined
     from information provided in the financial statements of the underlying
entities in the period in which the impairment was incurred. These
    impairments to estimated fair value represent non-recurring fair value
  measurements that have been classified as Level 3 due to the limited
activity and price transparency inherent in the market for such   
       investments. This category includes several private equity and debt funds
  that typically invest primarily in a diversified pool of investments
       across certain investment strategies including domestic and international
leveraged buyout funds; power, energy, timber and infrastructure  
       development funds; venture capital funds; below investment grade debt and
       mezzanine debt funds. The estimated fair values of these investments have
      been determined using the NAV of the Company's ownership interest in the
       partners' capital. Distributions from these investments 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 2 to 10 years. Unfunded commitments for these
    investments were $11 million and $321 million at December 31, 2010 and
2009, respectively.                                               

(3) Real estate joint ventures -- The impaired investments presented above
 were accounted for using the cost method. Impairments on these cost
   method investments were recognized at estimated fair value determined
     from information provided in the financial statements of the underlying
entities in the period in which the impairment was incurred. These
    impairments to estimated fair value represent non-recurring fair value

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  measurements that have been classified as Level 3 due to the limited
activity and price transparency inherent in the market for such   
investments. This category includes several real estate funds that
      typically invest primarily in commercial real estate. The estimated fair
   values of these investments have been determined using the NAV of the
       Company's ownership interest in the partners' capital. Distributions from
       these investments 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 2 to 10
       years. Unfunded commitments for these investments were $3 million and $45
million at December 31, 2010 and 2009, respectively.              

FAIR VALUE OF FINANCIAL INSTRUMENTS                                         

Amounts related to the Company's financial instruments that were not  
measured at fair value on a recurring basis, were as follows:                   

                                                        [Enlarge/Download Table]

                                                                               ESTIMATED
                                                         NOTIONAL   CARRYING      FAIR  
DECEMBER 31, 2010                                         AMOUNT      VALUE      VALUE  
-------------------------------------------------------  --------   --------   ---------
                                                                  (IN MILLIONS)         
                                                                                        
ASSETS                                                                                  
  Mortgage loans, net..................................              $41,667    $43,278 
  Policy loans.........................................              $ 8,270    $ 9,509 
  Real estate joint ventures (1).......................              $    50    $    58 
  Other limited partnership interests (1)..............              $ 1,423    $ 1,491 
  Short-term investments (2)...........................              $   144    $   144 
  Other invested assets (1)............................              $ 1,494    $ 1,506 
  Cash and cash equivalents............................              $ 3,485    $ 3,485 
  Accrued investment income............................              $ 2,183    $ 2,183 
  Premiums, reinsurance and other receivables (1)......              $18,268    $18,999 
LIABILITIES                                                                             
  Policyholder account balances (1)....................              $66,249    $68,861 
  Payables for collateral under securities loaned and                                   
     other transactions................................              $17,014    $17,014 
  Short-term debt......................................              $   102    $   102 
  Long-term debt (1), (3)..............................              $ 3,399    $ 3,473 
  Other liabilities (1)................................              $24,553    $25,034 
  Separate account liabilities (1).....................              $37,791    $37,791 
COMMITMENTS (4)                                                                         
  Mortgage loan commitments............................   $2,516     $    --    $   (13)
  Commitments to fund bank credit facilities, bridge                                    
     loans and private corporate bond investments......   $1,997     $    --    $    16 

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                                               ESTIMATED
                                                         NOTIONAL   CARRYING      FAIR  
DECEMBER 31, 2009                                         AMOUNT      VALUE      VALUE  
-------------------------------------------------------  --------   --------   ---------
                                                                  (IN MILLIONS)         
                                                                                        
ASSETS                                                                                  
  Mortgage loans, net..................................              $40,620    $39,155 
  Policy loans.........................................              $ 8,099    $ 9,108 
  Real estate joint ventures (1).......................              $    49    $    61 
  Other limited partnership interests (1)..............              $ 1,443    $ 1,431 
  Short-term investments (2)...........................              $    15    $    15 
  Other invested assets (1)............................              $ 1,707    $ 1,659 
  Cash and cash equivalents............................              $ 3,347    $ 3,347 
  Accrued investment income............................              $ 2,066    $ 2,066 
  Premiums, reinsurance and other receivables (1)......              $18,271    $18,648 
LIABILITIES                                                                             
  Policyholder account balances (1)....................              $64,097    $64,081 
  Payables for collateral under securities loaned and                                   
     other transactions................................              $14,662    $14,662 
  Short-term debt......................................              $   319    $   319 
  Long-term debt (1)...................................              $ 3,474    $ 3,494 
  Other liabilities (1)................................              $17,192    $17,192 
  Separate account liabilities (1).....................              $28,874    $28,874 
COMMITMENTS (4)                                                                         
  Mortgage loan commitments............................   $1,262     $    --    $   (43)
  Commitments to fund bank credit facilities, bridge                                    
     loans and private corporate bond investments......   $  763     $    --    $   (19)

--------                                                                        

(1) Carrying values presented herein differ from those presented in the   
     consolidated balance sheets because certain items within the respective
   financial statement caption are not considered financial instruments.
Financial statement captions excluded from the table above are not
considered financial instruments.                                 

 (2) Short-term investments as presented in the tables above differ from the
       amounts presented in the consolidated balance sheets because these tables
 do not include short-term investments that meet the definition of a
 security, which are measured at estimated fair value on a recurring
basis.                                                            

   (3) Long-term debt as presented in the table above does not include long-term
debt of CSEs.                                                     

(4) Commitments are off-balance sheet obligations. Negative estimated fair
values represent off-balance sheet liabilities.                   

  The methods and assumptions used to estimate the fair value of financial
instruments are summarized as follows:                                          

    The assets and liabilities measured at estimated fair value on a recurring
basis include: fixed maturity securities, equity securities, trading and other  
securities, derivative assets and liabilities, net embedded derivatives within  
asset and liability host contracts, separate account assets, long-term debt of  
CSEs and trading liabilities. These assets and liabilities are described in the 
section "-- Recurring Fair Value Measurements" and, therefore, are              

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

excluded from the tables above. The estimated fair value for these financial    
instruments approximates carrying value.                                        

Mortgage Loans                                                              

    The Company originates mortgage loans principally for investment purposes.
These loans are principally carried at amortized cost. The estimated fair value 
of mortgage loans is primarily determined by estimating expected future cash    
flows and discounting them using current interest rates for similar mortgage    
loans with similar credit risk. Certain mortgage loans have been impaired to    
their estimated fair value which is determined using independent broker         
quotations or, when the mortgage loan is in foreclosure or otherwise determined 
to be collateral dependent, the fair value of the underlying collateral is      
estimated using internal models.                                                

Policy Loans                                                                

For policy loans with fixed interest rates, estimated fair values 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 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. The estimated fair value for
policy loans with variable interest rates 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          

     Real estate joint ventures and other limited partnership interests included
in the preceding tables consist of those investments accounted for using the    
cost method. The remaining carrying value recognized in the consolidated balance
sheets represents investments in real estate carried at cost less accumulated   
depreciation, or real estate joint ventures and other limited partnership       
interests accounted for using the equity method, which do not meet the          
definition of financial instruments for which fair value is required to be      
disclosed.                                                                      

    The estimated fair values for other limited partnership interests and real
estate joint ventures accounted for under the cost method 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.                                                                    

Short-term Investments                                                      

Certain short-term investments do not qualify as securities and are   
recognized at amortized cost in the consolidated balance sheets. For these      
instruments, the Company believes that there is minimal risk of material changes
in interest rates or credit of the issuer such that estimated fair value        
approximates carrying value. In light of recent market conditions, short-term   
investments have been monitored to ensure there is sufficient demand and        
maintenance of issuer credit quality and the Company has determined additional  
adjustment is not required.                                                     

Other Invested Assets                                                       

     Other invested assets within the preceding tables are principally comprised
of loans to affiliates and funds withheld.                                      

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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. For funds
withheld, the Company evaluates the specific facts and circumstances of each    
instrument to determine the appropriate estimated fair values. These estimated  
fair values were not materially different from the recognized carrying values.  

Cash and Cash Equivalents                                                   

    Due to the short-term maturities of cash and cash equivalents, the Company
believes there is minimal risk of material changes in interest rates or credit  
of the issuer such that estimated fair value generally approximates carrying    
value. In light of recent market conditions, cash and cash equivalent           
instruments have been monitored to ensure there is sufficient demand and        
maintenance of issuer credit quality, or sufficient solvency in the case of     
depository institutions, and the Company has determined additional adjustment is
not required.                                                                   

Accrued Investment Income                                                   

  Due to the short term until settlement of accrued investment income, the
Company believes there is minimal risk of material changes in interest rates or 
credit of the issuer such that estimated fair value approximates carrying value.
In light of recent market conditions, the Company has monitored the credit      
quality of the issuers and has determined additional adjustment is not required.

Premiums, Reinsurance and Other Receivables                                 

 Premiums, reinsurance and other receivables in the preceding tables are
principally comprised of certain amounts recoverable under reinsurance          
contracts, amounts on deposit with financial institutions to facilitate daily   
settlements related to certain derivative positions and amounts receivable for  
securities sold but not yet settled.                                            

Premiums receivable and those amounts recoverable under reinsurance   
treaties determined to transfer sufficient risk are not financial instruments   
subject to disclosure and thus have been excluded from the amounts presented in 
the preceding tables. Amounts recoverable under ceded reinsurance contracts,    
which the Company has determined do not transfer sufficient risk such that they 
are accounted for using the deposit method of accounting, have been included in 
the preceding tables. The estimated fair value is determined as the present     
value of expected future cash flows under the related contracts, which were     
discounted using an interest rate determined to reflect the appropriate credit  
standing of the assuming counterparty.                                          

     The amounts on deposit for derivative settlements 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. In light of recent market conditions, the Company  
has monitored the solvency position of the financial institutions and has       
determined additional adjustments are not required.                             

Policyholder Account Balances                                               

Policyholder account balances in the tables above include investment  
contracts. Embedded derivatives on investment contracts and certain variable    
annuity guarantees accounted for as embedded derivatives are included in this   
caption in the consolidated financial statements but excluded from this caption 
in the tables above as they are separately presented in "-- Recurring Fair Value
Measurements." The remaining difference between the amounts reflected as        
policyholder account balances in the preceding table and those recognized in the
consolidated balance sheets represents those amounts due under contracts that   
satisfy the definition of insurance contracts and are not considered financial  
instruments.                                                                    

The investment contracts primarily include certain funding agreements,
fixed deferred annuities, modified guaranteed annuities, fixed term payout      
annuities and total control accounts. The fair values for these investment      

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

contracts are estimated by discounting best estimate future cash flows using    
current market risk-free interest rates and adding a spread to reflect the      
nonperformance risk in the liability.                                           

Payables for Collateral Under Securities Loaned and Other Transactions      

The estimated fair value for payables for collateral under securities 
loaned and other transactions approximates carrying value. The related          
agreements to loan securities are short-term in nature such that the Company    
believes there is limited risk of a material change in market interest rates.   
Additionally, because borrowers are cross-collateralized by the borrowed        
securities, the Company believes no additional consideration for changes in     
nonperformance risk are necessary.                                              

Short-term and Long-term Debt                                               

  The estimated fair value for short-term debt approximates carrying value
due to the short-term nature of these obligations. The estimated fair values of 
long-term debt are generally determined by discounting expected future cash     
flows using market rates currently available for debt with similar terms,       
remaining maturities and reflecting the credit risk of the Company, including   
inputs when available, from actively traded debt of the Company or other        
companies with similar types of borrowing arrangements. Risk-adjusted discount  
rates applied to the expected future cash flows can vary significantly based    
upon the specific terms of each individual arrangement, including, but not      
limited to: subordinated rights; contractual interest rates in relation to      
current market rates; the structuring of the arrangement; and the nature and    
observability of the applicable valuation inputs. Use of different risk-adjusted
discount rates could result in different estimated fair values.                 

   The carrying value of long-term debt presented in the table above differs
from the amounts presented in the consolidated balance sheets as it does not    
include capital leases which are not required to be disclosed at estimated fair 
value.                                                                          

Other Liabilities                                                           

Other liabilities included in the tables above reflect those other    
liabilities that satisfy the definition of financial instruments subject to     
disclosure. These items consist primarily of interest and dividends payable;    
amounts due for securities purchased but not yet settled; and amounts payable   
under certain ceded and assumed reinsurance treaties accounted for as deposit   
type treaties. The Company evaluates the specific terms, facts and circumstances
of each instrument to determine the appropriate estimated fair values, which    
were not materially different from the carrying values, with the exception of   
certain deposit type reinsurance payables. For these reinsurance payables, the  
estimated fair value is determined as the present value of expected future cash 
flows under the related contracts, which were discounted using an interest rate 
determined to reflect the appropriate credit standing of the assuming           
counterparty.                                                                   

Separate Account Liabilities                                                

 Separate account liabilities included in the preceding tables represent
those balances due to policyholders under contracts that are classified as      
investment contracts. The remaining amounts presented in the consolidated       
balance sheets represent those contracts classified as insurance contracts,     
which do not satisfy the definition of financial instruments.                   

   Separate account liabilities classified as investment contracts primarily
represent variable annuities with no significant mortality risk to the Company  
such that the death benefit is equal to the account balance; funding agreements 
related to group life contracts; and certain contracts that provide for benefit 
funding.                                                                        

 Separate account liabilities are recognized in the consolidated balance
sheets at an equivalent value of the related separate account assets. Separate  
account assets, which equal net deposits, net investment income and             

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

realized and unrealized investment gains and losses, are fully offset by        
corresponding amounts credited to the contractholders' liability which is       
reflected in separate account liabilities. 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 Company believes the value of those assets        
approximates the estimated fair value of the related separate account           
liabilities.                                                                    

Mortgage Loan Commitments and Commitments to Fund Bank Credit Facilities,   
Bridge Loans and Private Corporate Bond Investments                         

   The estimated fair values for mortgage loan commitments that will be held
for investment and commitments to fund bank credit facilities, bridge loans and 
private corporate bonds that will be held for investment reflected in the above 
tables represent the difference between the discounted expected future cash     
flows using interest rates that incorporate current credit risk for similar     
instruments on the reporting date and the principal amounts of the commitments. 

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

6.  DEFERRED POLICY ACQUISITION COSTS AND VALUE OF BUSINESS ACQUIRED            

Information regarding DAC and VOBA is as follows:                     

                                                                [Download Table]

                                                            DAC     VOBA    TOTAL  
                                                          -------   ----   ------- 
                                                                (IN MILLIONS)      
                                                                                   
Balance at January 1, 2008............................... $ 8,551   $ 77   $ 8,628 
  Capitalizations........................................     901     --       901 
                                                          -------   ----   ------- 
     Subtotal............................................   9,452     77     9,529 
                                                          -------   ----   ------- 
  Amortization related to:                                                         
     Net investment gains (losses).......................    (157)     4      (153)
     Other expenses......................................    (909)   (19)     (928)
                                                          -------   ----   ------- 
       Total amortization................................  (1,066)   (15)   (1,081)
                                                          -------   ----   ------- 
  Unrealized investment gains (losses)...................   2,274    146     2,420 
  Effect of foreign currency translation and other.......       2      1         3 
                                                          -------   ----   ------- 
Balance at December 31, 2008.............................  10,662    209    10,871 
  Capitalizations........................................     857     --       857 
                                                          -------   ----   ------- 
     Subtotal............................................  11,519    209    11,728 
                                                          -------   ----   ------- 
  Amortization related to:                                                         
     Net investment gains (losses).......................     254      1       255 
     Other expenses......................................    (648)   (22)     (670)
                                                          -------   ----   ------- 
       Total amortization................................    (394)   (21)     (415)
                                                          -------   ----   ------- 
  Unrealized investment gains (losses)...................  (1,897)   (52)   (1,949)
                                                          -------   ----   ------- 
Balance at December 31, 2009.............................   9,228    136     9,364 
  Capitalizations........................................     804     --       804 
                                                          -------   ----   ------- 
     Subtotal............................................  10,032    136    10,168 
                                                          -------   ----   ------- 
  Amortization related to:                                                         
     Net investment gains (losses).......................    (127)    --      (127)
     Other expenses......................................    (809)   (14)     (823)
                                                          -------   ----   ------- 
       Total amortization................................    (936)   (14)     (950)
                                                          -------   ----   ------- 
  Unrealized investment gains (losses)...................  (1,020)    (7)   (1,027)
                                                          -------   ----   ------- 
Balance at December 31, 2010............................. $ 8,076   $115   $ 8,191 
                                                          =======   ====   ======= 


   The estimated future amortization expense allocated to other expenses for
the next five years for VOBA is $10 million in 2011, $10 million in 2012, $10   
million in 2013, $9 million in 2014 and $8 million in 2015.                     

 Amortization of DAC and VOBA is attributed to both investment gains and
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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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Information regarding DAC and VOBA by segment is as follows:          

                                                        [Enlarge/Download Table]

                                             DAC               VOBA              TOTAL     
                                      ----------------   ---------------   ----------------
                                                           DECEMBER 31,                    
                                      -----------------------------------------------------
                                       2010      2009     2010     2009     2010      2009 
                                      ------   -------   ------   ------   ------   -------
                                                          (IN MILLIONS)                    
                                                                                           
Insurance Products................... $6,143    $7,034    $ 97     $114    $6,240    $7,148
Retirement Products..................  1,866     2,126      17       20     1,883     2,146
Corporate Benefit Funding............     66        66      --       --        66        66
Corporate & Other....................      1         2       1        2         2         4
                                      -- ---    ------    ----     ----    -- ---    ------
  Total.............................. $8,076    $9,228    $115     $136    $8,191    $9,364
                                      == ===    ======    ====     ====    == ===    ======


7.  GOODWILL                                                                    

     Goodwill, which is included in other assets, is the excess of cost over the
estimated fair value of net assets acquired. Information regarding goodwill is  
as follows:                                                                     

                                                                [Download Table]

                                                                 DECEMBER 31,   
                                                              ------------------
                                                              2010   2009   2008
                                                              ----   ----   ----
                                                                 (IN MILLIONS)  
                                                                                
Balance at January 1,........................................ $111   $111   $108
Acquisitions.................................................   --     --      3
                                                              ----   ----   ----
Balance at December 31,...................................... $111   $111   $111
                                                              ====   ====   ====


     Information regarding goodwill by segment and reporting unit is as follows:

                                                                [Download Table]

                                                                      DECEMBER 
                                                                        31,    
                                                                    -----------
                                                                    2010   2009
                                                                    ----   ----
                                                                        (IN    
                                                                     MILLIONS) 
                                                                               
Insurance Products:                                                            
  Group life......................................................  $  3   $  3
  Individual life.................................................    27     27
  Non-medical health..............................................    65     65
                                                                    ----   ----
     Total Insurance Products.....................................    95     95
Retirement Products...............................................    10     10
Corporate Benefit Funding.........................................     2      2
Corporate & Other.................................................     4      4
                                                                    ----   ----
       Total......................................................  $111   $111
                                                                    ====   ====


 As described in more detail in Note 1, the Company performed its annual
goodwill impairment tests during the third quarter of 2010 based upon data at   
June 30, 2010. The tests indicated that goodwill was not impaired.              

    Management continues to evaluate current market conditions that may affect
the estimated fair value of the Company's reporting units to assess whether any 
goodwill impairment exists. Continued deteriorating or adverse market conditions
for certain reporting units may have an impact on the estimated fair value of   
these reporting units and could result in future impairments of goodwill.       

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

8.  INSURANCE                                                                   

INSURANCE LIABILITIES                                                       

Insurance liabilities, including affiliated insurance liabilities on  
reinsurance assumed and ceded, were as follows:                                 

                                                        [Enlarge/Download Table]

                                                           POLICYHOLDER       OTHER POLICY-  
                                      FUTURE POLICY          ACCOUNT             RELATED     
                                        BENEFITS             BALANCES            BALANCES    
                                   ------------------   -----------------   -----------------
                                                          DECEMBER 31,                       
                                   ----------------------------------------------------------
                                     2010       2009      2010      2009     2010       2009 
                                   --------   -------   -------   -------   ------     ------
                                                          (IN MILLIONS)                      
                                                                                             
Insurance Products................ $ 69,529   $68,341   $19,317   $18,947   $5,322     $5,296
Retirement Products...............    6,681     6,400    21,280    21,505       44         41
Corporate Benefit Funding.........   26,391    24,881    48,296    46,103      179        191
Corporate & Other.................      349       338        29        35      104         99
                                   --------   -------   -------   -------   ------     ------
  Total........................... $102,950   $99,960   $88,922   $86,590   $5,649     $5,627
                                   ========   =======   =======   =======   ======     ======


     See Note 9 for discussion of affiliated reinsurance liabilities included in
the table above.                                                                

VALUE OF DISTRIBUTION AGREEMENTS AND CUSTOMER RELATIONSHIPS ACQUIRED        

   Information regarding VODA and VOCRA, which are reported in other assets,
was as follows:                                                                 

                                                                [Download Table]

                                                           YEARS ENDED DECEMBER 31, 
                                                           ------------------------ 
                                                           2010      2009      2008 
                                                           ----      ----      ---- 
                                                                 (IN MILLIONS)      
                                                                                    
Balance at January 1,..................................... $412      $427      $431 
Acquisitions..............................................    7        --         9 
Amortization..............................................  (19)      (15)      (13)
                                                           ----      ----      ---- 
Balance at December 31,................................... $400      $412      $427 
                                                           ====      ====      ==== 


   The estimated future amortization expense allocated to other expenses for
the next five years for VODA and VOCRA is $22 million in 2011, $25 million in   
2012, $27 million in 2013, $29 million in 2014 and $30 million in 2015. See Note
2 for a description of acquisitions and dispositions.                           

SALES INDUCEMENTS                                                           

 Information regarding deferred sales inducements, which are reported in
other assets, was as follows:                                                   

                                                                [Download Table]

                                                           YEARS ENDED DECEMBER 31, 
                                                           ------------------------ 
                                                           2010      2009      2008 
                                                           ----      ----      ---- 
                                                                 (IN MILLIONS)      
                                                                                    
Balance at January 1,..................................... $173      $144      $132 
Capitalization............................................   42        51        40 
Amortization..............................................  (25)      (22)      (28)
                                                           ----      ----      ---- 
Balance at December 31,................................... $190      $173      $144 
                                                           ====      ====      ==== 


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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

SEPARATE ACCOUNTS                                                           

   Separate account assets and liabilities include two categories of account
types: pass-through separate accounts totaling $63.8 billion and $53.0 billion  
at December 31, 2010 and 2009, respectively, for which the policyholder assumes 
all investment risk, and separate accounts for which the Company contractually  
guarantees either a minimum return or account value to the policyholder which   
totaled $34.0 billion and $27.4 billion at December 31, 2010 and 2009,          
respectively. The latter category consisted primarily of funding agreements and 
participating close-out contracts. The average interest rate credited on these  
contracts was 3.30% and 3.35% at December 31, 2010 and 2009, respectively.      

   Fees charged to the separate accounts by the Company (including mortality
charges, policy administration fees and surrender charges) are reflected in the 
Company's revenues as universal life and investment-type product policy fees and
totaled $1.3 billion, $1.1 billion and $1.3 billion for the years ended December
31, 2010, 2009 and 2008, respectively.                                          

  The Company's proportional interest in separate accounts was included in
the consolidated balance sheets as follows:                                     

                                                                [Download Table]

                                                                   DECEMBER 31, 
                                                                  --------------
                                                                  2010      2009
                                                                  ----      ----
                                                                   (IN MILLIONS)
                                                                                
Fixed maturity securities........................................ $245       $--
Equity securities................................................ $  6       $35
Cash and cash equivalents........................................ $ 72       $--

For the years ended December 31, 2010, 2009 and 2008, there were no   
investment gains (losses) on transfers of assets from the general account to the
separate accounts.                                                              

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 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, 2010, 2009 and 2008, the Company issued $15.0 billion, $14.1 
billion and $18.0 billion, respectively, and repaid $12.3 billion, $16.8 billion
and $18.7 billion, respectively, of such funding agreements. At December 31,    
2010 and 2009, funding agreements outstanding, which are included in            
policyholder account balances, were $20.6 billion and $17.3 billion,            
respectively. During the years ended December 31, 2010, 2009 and 2008, interest 
credited on the funding agreements, which is included in interest credited to   
policyholder account balances, was $555 million, $536 million and $911 million, 
respectively.                                                                   

    Metropolitan Life Insurance Company is a member of the FHLB of NY and held
$890 million and $742 million of common stock of the FHLB of NY at December 31, 
2010 and 2009, respectively, which is included in equity securities. MLIC has   
also entered into funding agreements with the FHLB of NY in exchange for cash   
and for which the FHLB of NY has been granted a lien on certain MLIC assets,    
including RMBS to collateralize MLIC's obligations under the funding agreements.
MLIC maintains control over these pledged assets, and may use, commingle,       
encumber or dispose of any portion of the collateral 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 MLIC, the FHLB of
NY's recovery on the collateral is limited to the amount of MLIC's liability to 
the FHLB of NY. The amount of the Company's liability for funding agreements    
with the FHLB of NY was $12.6 billion and $13.7 billion at December 31, 2010 and
2009, respectively, which is included in policyholder account balances. The     
advances on these agreements were collateralized by mortgage-backed securities  
with estimated fair values of $14.2 billion and $15.1 billion at December 31,   
2010 and 2009, respectively. During the                                         

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

years ended December 31, 2010, 2009 and 2008, interest credited on the funding  
agreements, which is included in interest credited to policyholder account      
balances, was $276 million, $333 million and $229 million, respectively.        

 During 2010, GALIC became a member of the Federal Home Loan Bank of Des
Moines ("FHLB of Des Moines") and held $10 million of common stock of the FHLB  
of Des Moines at December 31, 2010, which is included in equity securities.     
GALIC had no funding agreements with the FHLB of Des Moines at December 31,     
2010.                                                                           

Metropolitan Life Insurance Company has issued funding agreements 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, a        
federally chartered instrumentality of the United States. The obligations under 
these funding agreements are secured by a pledge of certain eligible            
agricultural mortgage loans and may, under certain circumstances, be secured by 
other qualified collateral. The amount of the Company's liability for funding   
agreements issued to such SPEs was $2.6 billion and $2.5 billion at December 31,
2010 and 2009, respectively, which is included in policyholder account balances.
The obligations under these funding agreements are collateralized by designated 
agricultural mortgage loans with a carrying value of $2.9 billion at both       
December 31, 2010 and 2009. During the years ended December 31, 2010, 2009 and  
2008, interest credited on the funding agreements, which is included in interest
credited to policyholder account balances, was $133 million, $132 million and   
$132 million, respectively.                                                     

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, is as 
follows:                                                                        

                                                                [Download Table]

                                                        YEARS ENDED DECEMBER 31,  
                                                      --------------------------- 
                                                        2010      2009      2008  
                                                      -------   -------   ------- 
                                                             (IN MILLIONS)        
                                                                                  
Balance at January 1,................................ $ 6,302   $ 5,669   $ 5,174 
  Less: Reinsurance recoverables.....................     354       266       265 
                                                      -------   -------   ------- 
Net balance at January 1,............................   5,948     5,403     4,909 
                                                      -------   -------   ------- 
Incurred related to:                                                              
  Current year.......................................   3,733     4,480     4,063 
  Prior years........................................      13       (14)      (86)
                                                      -------   -------   ------- 
     Total incurred..................................   3,746     4,466     3,977 
                                                      -------   -------   ------- 
Paid related to:                                                                  
  Current year.......................................  (2,244)   (2,664)   (2,481)
  Prior years........................................  (1,359)   (1,257)   (1,002)
                                                      -------   -------   ------- 
     Total paid......................................  (3,603)   (3,921)   (3,483)
                                                      -------   -------   ------- 
Net balance at December 31,..........................   6,091     5,948     5,403 
  Add: Reinsurance recoverables......................     448       354       266 
                                                      -------   -------   ------- 
Balance at December 31,.............................. $ 6,539   $ 6,302   $ 5,669 
                                                      =======   =======   ======= 


   During 2010, as a result of changes in estimates of insured events in the
respective prior year, claims and claim adjustment expenses associated with     
prior years increased by $13 million. During 2009 and 2008, claims and claim    

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

adjustment expenses associated with prior years decreased by $14 million and $86
million, respectively, due to improved loss ratios for non-medical health claim 
liabilities and improved claim management.                                      

GUARANTEES                                                                  

The Company issues annuity contracts which may include contractual    
guarantees to the contractholder for: (i) return of no less than total deposits 
made to the contract less any partial withdrawals ("return of net deposits");   
and (ii) the highest contract value on a specified anniversary date minus any   
withdrawals following the contract anniversary, or total deposits made to the   
contract less any partial withdrawals plus a minimum return ("anniversary       
contract value" or "minimum return"). The Company also issues annuity contracts 
that apply a lower rate of funds deposited if the contractholder elects to      
surrender the contract for cash and a higher rate if the contractholder elects  
to annuitize ("two tier annuities"). These guarantees include benefits that are 
payable in the event of death or at annuitization.                              

 The Company also issues universal and variable life contracts where the
Company contractually guarantees to the contractholder a secondary guarantee or 
a guaranteed paid-up benefit.                                                   

     Information regarding the types of guarantees relating to annuity contracts
and universal and variable life contracts is as follows:                        

                                                        [Enlarge/Download Table]

                                                                   DECEMBER 31,                           
                                         ---------------------------------------------------------------  
                                                      2010                             2009               
                                         ------------------------------   ------------------------------  
                                             IN THE             AT            IN THE             AT       
                                         EVENT OF DEATH   ANNUITIZATION   EVENT OF DEATH   ANNUITIZATION  
                                         --------------   -------------   --------------   -------------  
                                                                  (IN MILLIONS)                           
                                                                                                          
ANNUITY CONTRACTS (1)                                                                                     
RETURN OF NET DEPOSITS                                                                                    
Separate account value..................    $   4,610       $     N/A        $   4,225       $     N/A    
Net amount at risk (2)..................    $      78 (3)   $     N/A        $     218 (3)   $     N/A    
Average attained age of                                                                                   
  contractholders.......................     61 years             N/A         60 years             N/A    
ANNIVERSARY CONTRACT VALUE OR MINIMUM                                                                     
  RETURN                                                                                                  
Separate account value..................    $  40,114       $  13,797        $  34,891       $   9,739    
Net amount at risk (2)..................    $   1,241 (3)   $   1,271 (4)    $   2,516 (3)   $   1,552 (4)
Average attained age of                                                                                   
  contractholders.......................     63 years        59 years         62 years        58 years    
TWO TIER ANNUITIES                                                                                        
General account value...................          N/A       $     280              N/A       $     282    
Net amount at risk (2)..................          N/A       $      49 (5)          N/A       $      50 (5)
Average attained age of                                                                                   
  contractholders.......................          N/A        62 years              N/A        61 years    

                                                        [Enlarge/Download Table]

                                                                 DECEMBER 31,                         
                                           -------------------------------------------------------    
                                                      2010                          2009              
                                           -------------------------     -------------------------    
                                            SECONDARY       PAID-UP       SECONDARY       PAID-UP     
                                           GUARANTEES     GUARANTEES     GUARANTEES     GUARANTEES    
                                           ----------     ----------     ----------     ----------    
                                                                (IN MILLIONS)                         
                                                                                                      
UNIVERSAL AND VARIABLE LIFE CONTRACTS (1)                                                             
Account value (general and separate                                                                   
  account)................................  $   6,194      $   1,250      $   5,679      $   1,297    
Net amount at risk (2)....................  $  88,425 (3)  $  10,713 (3)  $  92,771 (3)  $  11,521 (3)
Average attained age of policyholders.....   50 years       57 years       48 years       56 years    

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

--------                                                                        

 (1) The Company's annuity and life contracts with guarantees may offer more
 than one type of guarantee in each contract. Therefore, the amounts
listed above may not be mutually exclusive.                       

 (2) The net amount at risk is based on the direct amount at risk (excluding
ceded reinsurance).                                               

   (3) The net amount at risk for guarantees of amounts in the event of death is
     defined as the current GMDB in excess of the current account balance at
the balance sheet date.                                           

(4) The net amount at risk for guarantees of amounts at annuitization is  
     defined as the present value of the minimum guaranteed annuity payments
     available to the contractholder determined in accordance with the terms
of the contract in excess of the current account balance.         

 (5) The net amount at risk for two tier annuities is based on the excess of
the upper tier, adjusted for a profit margin, less the lower tier.

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     Information regarding the liabilities for guarantees (excluding base policy
liabilities) relating to annuity and universal and variable life contracts is as
follows:                                                                        

                                                        [Enlarge/Download Table]

                                                                     UNIVERSAL AND VARIABLE        
                                                                         LIFE CONTRACTS            
                                                                    -----------------------        
                                            ANNUITY CONTRACTS                                      
                                       --------------------------                                  
                                       GUARANTEED     GUARANTEED                                   
                                          DEATH     ANNUITIZATION    SECONDARY     PAID-UP         
                                        BENEFITS       BENEFITS     GUARANTEES   GUARANTEES  TOTAL 
                                       ----------   -------------   ----------   ----------  ----- 
                                                               (IN MILLIONS)                       
                                                                                                   
DIRECT                                                                                             
  Balance at January 1, 2008..........    $ 28           $ 19          $ 13          $12      $ 72 
     Incurred guaranteed benefits.....      59             70            14            1       144 
     Paid guaranteed benefits.........     (18)            --            --           --       (18)
                                          ----           ----          ----          ---      ---- 
  Balance at December 31, 2008........      69             89            27           13       198 
     Incurred guaranteed benefits.....      21             --            40            8        69 
     Paid guaranteed benefits.........     (33)            --            --           --       (33)
                                          ----           ----          ----          ---      ---- 
  Balance at December 31, 2009........      57             89            67           21       234 
     Incurred guaranteed benefits.....      10             24           179           28       241 
     Paid guaranteed benefits.........      (6)            --            --           --        (6)
                                          ----           ----          ----          ---      ---- 
  Balance at December 31, 2010........    $ 61           $113          $246          $49      $469 
                                          ====           ====          ====          ===      ==== 
CEDED                                                                                              
  Balance at January 1, 2008..........    $ 20           $  4          $ --          $--      $ 24 
     Incurred guaranteed benefits.....      32             22            --           --        54 
     Paid guaranteed benefits.........     (12)            --            --           --       (12)
                                          ----           ----          ----          ---      ---- 
  Balance at December 31, 2008........      40             26            --           --        66 
     Incurred guaranteed benefits.....      30              2            44            8        84 
     Paid guaranteed benefits.........     (33)            --            --           --       (33)
                                          ----           ----          ----          ---      ---- 
  Balance at December 31, 2009........      37             28            44            8       117 
     Incurred guaranteed benefits.....      13              8           165           26       212 
     Paid guaranteed benefits.........      (6)            --            --           --        (6)
                                          ----           ----          ----          ---      ---- 
  Balance at December 31, 2010........    $ 44           $ 36          $209          $34      $323 
                                          ====           ====          ====          ===      ==== 
NET                                                                                                
  Balance at January 1, 2008..........    $  8           $ 15          $ 13          $12      $ 48 
     Incurred guaranteed benefits.....      27             48            14            1        90 
     Paid guaranteed benefits.........      (6)            --            --           --        (6)
                                          ----           ----          ----          ---      ---- 
  Balance at December 31, 2008........      29             63            27           13       132 
     Incurred guaranteed benefits.....      (9)            (2)           (4)          --       (15)
     Paid guaranteed benefits.........      --             --            --           --        -- 
                                          ----           ----          ----          ---      ---- 
  Balance at December 31, 2009........      20             61            23           13       117 
     Incurred guaranteed benefits.....      (3)            16            14            2        29 
     Paid guaranteed benefits.........      --             --            --           --        -- 
                                          ----           ----          ----          ---      ---- 
  Balance at December 31, 2010........    $ 17           $ 77          $ 37          $15      $146 
                                          ====           ====          ====          ===      ==== 


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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

 Account balances of contracts with insurance guarantees are invested in
separate account asset classes as follows:                                      

                                                                [Download Table]

                                                                  DECEMBER 31,  
                                                               -----------------
                                                                 2010      2009 
                                                               -------   -------
                                                                 (IN MILLIONS)  
                                                                                
Fund Groupings:                                                                 
  Equity...................................................... $19,167   $16,701
  Balanced....................................................  11,640     8,762
  Bond........................................................   3,875     3,342
  Money Market................................................     218       369
  Specialty...................................................     886       794
                                                               -------   -------
     Total.................................................... $35,786   $29,968
                                                               =======   =======


9.  REINSURANCE                                                                 

The Company's Insurance Products segment participates in reinsurance  
activities in order to limit losses, minimize exposure to significant risks and 
provide additional capacity for future growth.                                  

  For its individual life insurance products, the Company has historically
reinsured the mortality risk primarily on an excess of retention basis or a     
quota share basis. The Company currently reinsures 90% of the mortality risk in 
excess of $1 million for most products and reinsures up to 90% of the mortality 
risk for certain other products. In addition to reinsuring mortality risk as    
described above, the Company reinsures other risks, as well as specific         
coverages. Placement of reinsurance is done primarily on an automatic basis and 
also on a facultative basis for risks with specified characteristics. On a case 
by case basis, the Company may retain up to $20 million per life and reinsure   
100% of amounts in excess of the amount the Company retains. The Company        
evaluates its reinsurance programs routinely and may increase or decrease its   
retention at any time.                                                          

For other policies within the Insurance Products segment, the Company 
generally retains most of the risk and only cedes particular risks on certain   
client arrangements.                                                            

The Company's Retirement Products segment reinsures 90% of the new    
production of fixed annuities from several affiliates. The Company's Retirement 
Products segment also reinsures 100% of the living and death benefit guarantees 
associated with its variable annuities issued since 2004 to an affiliated       
reinsurer and certain portions of the living and death benefit guarantees       
associated with its variable annuities issued prior to 2004 to affiliated and   
non-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's Corporate Benefit Funding segment periodically engages in
reinsurance activities, as considered appropriate. The impact of these          
activities on the financial results of this segment has not been significant.   

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 business through a diversified group of well-
capitalized, highly rated 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         

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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, 2010 and 2009, were immaterial.              

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 $2.3 billion and $2.2 billion
of unsecured unaffiliated reinsurance recoverable balances at December 31, 2010 
and 2009, respectively.                                                         

At December 31, 2010, the Company had $5.6 billion of net unaffiliated
ceded reinsurance recoverables. Of this total, $4.6 billion, or 82%, were with  
the Company's five largest unaffiliated ceded reinsurers, including $1.6 billion
of which were unsecured. At December 31, 2009, the Company had $5.5 billion of  
net unaffiliated ceded reinsurance recoverables. Of this total, $4.4 billion, or
80%, were with the Company's five largest unaffiliated ceded reinsurers,        
including $1.4 billion of which were unsecured.                                 

The Company has reinsured with an unaffiliated third-party reinsurer, 
49.25% of the closed block through a modified coinsurance agreement. The Company
accounts for this agreement under the deposit method of accounting. The Company,
having the right of offset, has offset the modified coinsurance deposit with the
deposit recoverable.                                                            

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     The amounts in the consolidated statements of operations include the impact
of reinsurance. Information regarding the effect of reinsurance was as follows: 

                                                        [Enlarge/Download Table]

                                                           YEARS ENDED DECEMBER 31,  
                                                         --------------------------- 
                                                           2010      2009      2008  
                                                         -------   -------   ------- 
                                                                (IN MILLIONS)        
                                                                                     
PREMIUMS:                                                                            
  Direct premiums......................................  $18,793   $19,285   $19,246 
  Reinsurance assumed..................................    1,155     1,197     1,334 
  Reinsurance ceded....................................   (1,429)   (1,853)   (2,136)
                                                         -------   -------   ------- 
     Net premiums......................................  $18,519   $18,629   $18,444 
                                                         =======   =======   ======= 
UNIVERSAL LIFE AND INVESTMENT-TYPE PRODUCT POLICY FEES:                              
  Direct universal life and investment-type product                                  
     policy fees.......................................  $ 2,627   $ 2,565   $ 2,741 
  Reinsurance assumed..................................       13         9         7 
  Reinsurance ceded....................................     (565)     (507)     (463)
                                                         -------   -------   ------- 
     Net universal life and investment-type product                                  
       policy fees.....................................  $ 2,075   $ 2,067   $ 2,285 
                                                         =======   =======   ======= 
OTHER REVENUES:                                                                      
  Direct other revenues................................  $   750   $   779   $   859 
  Reinsurance assumed..................................       (5)       (5)       (5)
  Reinsurance ceded....................................      980       965     1,028 
                                                         -------   -------   ------- 
     Net other revenues................................  $ 1,725   $ 1,739   $ 1,882 
                                                         =======   =======   ======= 
POLICYHOLDER BENEFITS AND CLAIMS:                                                    
  Direct policyholder benefits and claims..............  $21,246   $21,570   $21,863 
  Reinsurance assumed..................................    1,235     1,045     1,018 
  Reinsurance ceded....................................   (1,774)   (1,953)   (2,182)
                                                         -------   -------   ------- 
     Net policyholder benefits and claims..............  $20,707   $20,662   $20,699 
                                                         =======   =======   ======= 
INTEREST CREDITED TO POLICYHOLDER ACCOUNT BALANCES:                                  
  Direct interest credited to policyholder account                                   
     balances..........................................  $ 2,581   $ 2,734   $ 3,228 
  Reinsurance assumed..................................       28        13        23 
  Reinsurance ceded....................................      (86)      (78)      (70)
                                                         -------   -------   ------- 
     Net interest credited to policyholder account                                   
       balances........................................  $ 2,523   $ 2,669   $ 3,181 
                                                         =======   =======   ======= 
POLICYHOLDER DIVIDENDS:                                                              
  Direct policyholder dividends........................  $ 1,475   $ 1,643   $ 1,740 
  Reinsurance ceded....................................      (32)      (31)      (24)
                                                         -------   -------   ------- 
     Net policyholder dividends........................  $ 1,443   $ 1,612   $ 1,716 
                                                         =======   =======   ======= 
OTHER EXPENSES:                                                                      
  Direct other expenses................................  $ 5,140   $ 4,945   $ 5,681 
  Reinsurance assumed..................................      462       427       182 
  Reinsurance ceded....................................      657       637       715 
                                                         -------   -------   ------- 
     Net other expenses................................  $ 6,259   $ 6,009   $ 6,578 
                                                         =======   =======   ======= 


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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The amounts in the consolidated balance sheets include the impact of  
reinsurance. Information regarding the effect of reinsurance was as follows at: 

                                                        [Enlarge/Download Table]

                                                               DECEMBER 31, 2010             
                                                 --------------------------------------------
                                                   TOTAL                                     
                                                  BALANCE                       TOTAL, NET OF
                                                   SHEET    ASSUMED    CEDED     REINSURANCE 
                                                 --------   -------   -------   -------------
                                                                 (IN MILLIONS)               
                                                                                             
ASSETS:                                                                                      
Premiums, reinsurance and other receivables..... $ 26,802    $  476   $25,316      $  1,010  
Deferred policy acquisition costs and value of                                               
  business acquired.............................    8,191       342      (473)        8,322  
                                                 --------    ------   -------      --------  
  Total assets.................................. $ 34,993    $  818   $24,843      $  9,332  
                                                 ========    ======   =======      ========  
LIABILITIES:                                                                                 
Future policy benefits.......................... $102,950    $1,723   $    --      $101,227  
Policyholder account balances...................   88,922       320        --        88,602  
Other policy-related balances...................    5,649       279       (78)        5,448  
Other liabilities...............................   35,113     7,543    20,055         7,515  
                                                 --------    ------   -------      --------  
  Total liabilities............................. $232,634    $9,865   $19,977      $202,792  
                                                 ========    ======   =======      ========  


                                                        [Enlarge/Download Table]

                                                               DECEMBER 31, 2009             
                                                 --------------------------------------------
                                                   TOTAL                                     
                                                  BALANCE                       TOTAL, NET OF
                                                   SHEET    ASSUMED    CEDED     REINSURANCE 
                                                 --------   -------   -------   -------------
                                                                 (IN MILLIONS)               
                                                                                             
ASSETS:                                                                                      
Premiums, reinsurance and other receivables..... $ 26,375    $  525   $24,885      $    965  
Deferred policy acquisition costs and value of                                               
  business acquired.............................    9,364       343      (575)        9,596  
                                                 --------    ------   -------      --------  
  Total assets.................................. $ 35,739    $  868   $24,310      $ 10,561  
                                                 ========    ======   =======      ========  
LIABILITIES:                                                                                 
Future policy benefits.......................... $ 99,960    $1,771   $    --      $ 98,189  
Policyholder account balances...................   86,590       810        --        85,780  
Other policy-related balances...................    5,627       270      (169)        5,526  
Other liabilities...............................   33,690     6,788    19,150         7,752  
                                                 --------    ------   -------      --------  
  Total liabilities............................. $225,867    $9,639   $18,981      $197,247  
                                                 ========    ======   =======      ========  


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 reinsurance were $18.2
billion and $18.3 billion at December 31, 2010 and 2009, respectively. The      
deposit liabilities for assumed reinsurance were $7.1 billion and $6.9 billion  
at December 31, 2010 and 2009, respectively.                                    

RELATED PARTY REINSURANCE TRANSACTIONS                                      

The Company has reinsurance agreements with certain of MetLife, Inc.'s
subsidiaries, including Exeter, First MetLife Investors Insurance Company,      
MetLife Insurance Company of Connecticut, MetLife Investors USA                 

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Insurance Company, MetLife Investors Insurance Company, MetLife Reinsurance     
Company of Charleston ("MRC"), MetLife Reinsurance Company of Vermont and       
Metropolitan Tower Life Insurance Company, all of which are related parties.    

    Information regarding the effect of affiliated reinsurance included in the
consolidated statements of operations was as follows:                           

                                                                [Download Table]

                                                              YEARS ENDED DECEMBER  
                                                                      31,           
                                                            ----------------------- 
                                                             2010     2009     2008 
                                                            ------   ------   ----- 
                                                                 (IN MILLIONS)      
                                                                                    
PREMIUMS:                                                                           
  Reinsurance assumed (1).................................  $   88   $   66   $  43 
  Reinsurance ceded.......................................     (63)     (43)    (46)
                                                            ------   ------   ----- 
     Net premiums.........................................  $   25   $   23   $  (3)
                                                            ======   ======   ===== 
UNIVERSAL LIFE AND INVESTMENT-TYPE PRODUCT POLICY FEES:                             
  Reinsurance assumed.....................................  $   13   $    9   $   7 
  Reinsurance ceded.......................................    (230)    (177)   (178)
                                                            ------   ------   ----- 
     Net universal life and investment-type product policy                          
       fees...............................................  $ (217)  $ (168)  $(171)
                                                            ======   ======   ===== 
OTHER REVENUES:                                                                     
  Reinsurance assumed.....................................  $   (5)  $   (4)  $  (5)
  Reinsurance ceded (2)...................................     908      901     923 
                                                            ------   ------   ----- 
     Net other revenues...................................  $  903   $  897   $ 918 
                                                            ======   ======   ===== 
POLICYHOLDER BENEFITS AND CLAIMS:                                                   
  Reinsurance assumed (1).................................  $  112   $   75   $  57 
  Reinsurance ceded.......................................    (129)     (91)   (133)
                                                            ------   ------   ----- 
     Net policyholder benefits and claims.................  $  (17)  $  (16)  $ (76)
                                                            ======   ======   ===== 
INTEREST CREDITED TO POLICYHOLDER ACCOUNT BALANCES:                                 
  Reinsurance assumed.....................................  $   26   $   10   $  22 
  Reinsurance ceded.......................................     (86)     (78)    (70)
                                                            ------   ------   ----- 
     Net interest credited to policyholder account                                  
       balances...........................................  $  (60)  $  (68)  $ (48)
                                                            ======   ======   ===== 
POLICYHOLDER DIVIDENDS:                                                             
  Reinsurance assumed.....................................  $   --   $   --   $  -- 
  Reinsurance ceded.......................................     (16)     (18)    (20)
                                                            ------   ------   ----- 
     Net policyholder dividends...........................  $  (16)  $  (18)  $ (20)
                                                            ======   ======   ===== 
OTHER EXPENSES:                                                                     
  Reinsurance assumed.....................................  $  362   $  331   $ 128 
  Reinsurance ceded (1), (2)..............................     826      791     825 
                                                            ------   ------   ----- 
     Net other expenses...................................  $1,188   $1,122   $ 953 
                                                            ======   ======   ===== 


--------                                                                        

(1) As a result of the RGA transaction discussed in Note 2, reinsurance   
transactions between RGA and affiliates were no longer considered 
      affiliated transactions. For purposes of comparison, the 2008 affiliated
transactions                                                      

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

       between RGA and affiliates have been removed from the presentation in the
     table above. Affiliated transactions between RGA and affiliates for the
      year ended December 31, 2008 included assumed premiums, assumed benefits
       and other expenses on ceded reinsurance of ($14) million, $42 million and
$6 million, respectively.                                         

(2) In connection with the cession of a portion of its closed block       
liabilities on a coinsurance with funds withheld basis to MRC, the
    Company recognized $908 million and $819 million of interest earned on
      the deposit included within premiums, reinsurance and other receivables,
     as well as certain administrative fees for the years ended December 31,
2010 and 2009, respectively. The Company also recognized in other 
      expenses $898 million, $888 million and $911 million of interest expense
       associated with the funds withheld for the years ended December 31, 2010,
2009 and 2008, respectively.                                      

    Information regarding the effect of affiliated reinsurance included in the
consolidated balance sheets was as follows at:                                  

                                                        [Enlarge/Download Table]

                                                               DECEMBER 31,             
                                                  ------------------------------------- 
                                                         2010                2009       
                                                  -----------------   ----------------- 
                                                  ASSUMED    CEDED    ASSUMED    CEDED  
                                                  -------   -------   -------   ------- 
                                                              (IN MILLIONS)             
                                                                                        
ASSETS:                                                                                 
Premiums, reinsurance and other receivables......  $   14   $19,423    $   14   $19,035 
Deferred policy acquisition costs and value of                                          
  business acquired..............................     310      (323)      307      (399)
                                                   ------   -------    ------   ------- 
  Total assets...................................  $  324   $19,100    $  321   $18,636 
                                                   ======   =======    ======   ======= 
LIABILITIES:                                                                            
Future policy benefits...........................  $  401   $    --    $  400   $    -- 
Policyholder account balances....................     281        --       721        -- 
Other policy-related balances....................      49       (78)       30      (169)
Other liabilities................................   7,059    17,844     6,440    17,034 
                                                   ------   -------    ------   ------- 
  Total liabilities..............................  $7,790   $17,766    $7,591   $16,865 
                                                   ======   =======    ======   ======= 


     MLIC cedes two blocks of business to an affiliate on a 75% coinsurance with
funds withheld basis. Certain contractual features of this agreement qualify as 
an embedded derivative, which was separately accounted for at estimated fair    
value on the Company's consolidated balance sheet. The embedded derivative      
related to the funds withheld associated with this reinsurance agreement was    
included within other liabilities and decreased the funds withheld balance by $9
million at December 31, 2010. The change in fair value of the embedded          
derivative included in net derivative gains (losses), was $9 million for the    
year ended December 31, 2010. The reinsurance agreement also includes an        
experience refund provision, whereby some or all of the profits on the          
underlying reinsurance agreement are returned to MLIC from the affiliated       
reinsurer during the first several years of the reinsurance agreement. The      
experience refund reduced the funds withheld by MLIC from the affiliated        
reinsurer by $27 million at December 31, 2010, and was considered unearned      
revenue, amortized over the life of the contract using the same assumptions as  
used for the DAC associated with the underlying policies. Amortization and      
interest of the unearned revenue associated with the experience refund was $5   
million for the year ended December 31, 2010, respectively, and is included in  
universal life and investment-type product policy fees in the consolidated      
statement of operations. At December 31, 2010, unearned revenue related to the  
experience refund was $22 million, and is included in other policy-related      
balances in the consolidated balance sheets.                                    

The Company cedes risks to an affiliate related to guaranteed minimum 
benefit guarantees written by the Company. These ceded reinsurance agreements   
contain embedded derivatives and changes in their fair value were included      
within net derivative gains (losses). The embedded derivatives associated with  
the cessions were included within premiums, reinsurance and other receivables   
and were assets of $295 million and $263 million at                             

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

December 31, 2010 and 2009, respectively. For the years ended December 31, 2010,
2009 and 2008, net derivative gains (losses) included ($66) million, ($596)     
million and $729 million, respectively, in changes in fair value of such        
embedded derivatives.                                                           

    Certain contractual features of the closed block agreement with MRC create
an embedded derivative, which was separately accounted for at estimated fair    
value on the Company's consolidated balance sheet. The embedded derivative      
related to the funds withheld associated with this reinsurance agreement was    
included within other liabilities and increased the funds withheld balance by   
$697 million and $101 million at December 31, 2010 and 2009, respectively. The  
change in estimated fair value of the embedded derivative, included in net      
derivative gains (losses), was ($596) million, ($1,304) million and $1,203      
million, for the years ended December 31, 2010, 2009 and 2008, 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 $1.4 billion and $1.3 billion
of unsecured affiliated reinsurance recoverable balances at December 31, 2010   
and 2009, 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 ceded affiliated  
reinsurance were $15.8 billion and $15.9 billion at December 31, 2010 and 2009, 
respectively. The deposit liabilities for assumed affiliated reinsurance were   
$7.0 billion and $6.8 billion at December 31, 2010 and 2009, respectively.      

10.  CLOSED BLOCK                                                               

    On April 7, 2000 (the "Demutualization Date"), Metropolitan Life Insurance
Company converted from a mutual life insurance company to a stock life insurance
company and became a wholly-owned subsidiary of MetLife, Inc. The conversion was
pursuant to an order by the New York Superintendent of Insurance (the           
"Superintendent") approving Metropolitan Life Insurance Company's plan of       
reorganization, as amended (the "Plan"). On the Demutualization Date,           
Metropolitan Life Insurance Company established a closed block for the benefit  
of holders of certain individual life insurance policies of Metropolitan Life   
Insurance Company. Assets have been allocated to the closed block in an amount  
that has been determined to produce cash flows which, together with anticipated 
revenues from the policies included in the closed block, are reasonably expected
to be sufficient to support obligations and liabilities relating to these       
policies, including, but not limited to, provisions for the payment of claims   
and certain expenses and taxes, and to provide for the continuation of          
policyholder dividend scales in effect for 1999, if the experience underlying   
such dividend scales continues, and for appropriate adjustments in such scales  
if the experience changes. At least annually, the Company compares actual and   
projected experience against the experience assumed in the then-current dividend
scales. Dividend scales are adjusted periodically to give effect to changes in  
experience.                                                                     

The closed block assets, the cash flows generated by the closed block 
assets and the anticipated revenues from the policies in the closed block will  
benefit only the holders of the policies in the closed block. To the extent     
that, over time, cash flows from the assets allocated to the closed block and   
claims and other experience related to the closed block are, in the aggregate,  
more or less favorable than what was assumed when the closed block was          
established, total dividends paid to closed block policyholders in the future   
may be greater than or less than the total dividends that would have been paid  
to these policyholders if the policyholder dividend scales in effect for 1999   
had been continued. Any cash flows in excess of amounts assumed will be         
available for distribution over time to closed block policyholders and will not 
be available to stockholders. If the closed block has insufficient funds to make
guaranteed policy benefit payments, such payments will be made from assets      
outside of the closed block. The closed block will continue in effect as long as
any policy in the closed block remains in-force. The expected life of the closed
block is over 100 years.                                                        

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The Company uses the same accounting principles to account for the    
participating policies included in the closed block as it used prior to the     
Demutualization Date. However, the Company establishes a policyholder dividend  
obligation for earnings that will be paid to policyholders as additional        
dividends as described below. The excess of closed block liabilities over closed
block assets at the Demutualization Date (adjusted to eliminate the impact of   
related amounts in accumulated other comprehensive income) represents the       
estimated maximum future earnings from the closed block expected to result from 
operations attributed to the closed block after income taxes. Earnings of the   
closed block are recognized in income over the period the policies and contracts
in the closed block remain in-force. Management believes that over time the     
actual cumulative earnings of the closed block will approximately equal the     
expected cumulative earnings due to the effect of dividend changes. If, over the
period the closed block remains in existence, the actual cumulative earnings of 
the closed block are greater than the expected cumulative earnings of the closed
block, the Company will pay the excess of the actual cumulative earnings of the 
closed block over the expected cumulative earnings to closed block policyholders
as additional policyholder dividends unless offset by future unfavorable        
experience of the closed block and, accordingly, will recognize only the        
expected cumulative earnings in income with the excess recorded as a            
policyholder dividend obligation. If over such period, the actual cumulative    
earnings of the closed block are less than the expected cumulative earnings of  
the closed block, the Company will recognize only the actual earnings in income.
However, the Company may change policyholder dividend scales in the future,     
which would be intended to increase future actual earnings until the actual     
cumulative earnings equal the expected cumulative earnings.                     

    Experience within the closed block, in particular mortality and investment
yields, as well as realized and unrealized gains and losses, directly impact the
policyholder dividend obligation. The policyholder dividend obligation increased
to $876 million at December 31, 2010, from zero at December 31, 2009, as a      
result of recent unrealized gains in the closed block. Amortization of the      
closed block DAC, which resides outside of the closed block, is based upon      
cumulative actual and expected earnings within the closed block. Accordingly,   
the Company's net income continues to be sensitive to the actual performance of 
the closed block.                                                               

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     Information regarding the closed block liabilities and assets designated to
the closed block was as follows:                                                

                                                                [Download Table]

                                                                   DECEMBER 31,   
                                                                ----------------- 
                                                                  2010      2009  
                                                                -------   ------- 
                                                                  (IN MILLIONS)   
                                                                                  
CLOSED BLOCK LIABILITIES                                                          
Future policy benefits........................................  $43,456   $43,576 
Other policy-related balances.................................      316       307 
Policyholder dividends payable................................      579       615 
Policyholder dividend obligation..............................      876        -- 
Current income tax payable....................................      178        -- 
Other liabilities.............................................      627       576 
                                                                -------   ------- 
  Total closed block liabilities..............................   46,032    45,074 
                                                                -------   ------- 
ASSETS DESIGNATED TO THE CLOSED BLOCK                                             
Investments:                                                                      
  Fixed maturity securities available-for-sale, at estimated                      
     fair value (amortized cost: $27,067 and $27,129,                             
     respectively)............................................   28,768    27,375 
  Equity securities available-for-sale, at estimated fair                         
     value (cost: $110 and $204, respectively)................      102       218 
  Mortgage loans..............................................    6,253     6,200 
  Policy loans................................................    4,629     4,538 
  Real estate and real estate joint ventures held-for-                            
     investment...............................................      328       321 
  Short-term investments......................................        1         1 
  Other invested assets.......................................      729       463 
                                                                -------   ------- 
     Total investments........................................   40,810    39,116 
Cash and cash equivalents.....................................      236       241 
Accrued investment income.....................................      518       489 
Premiums, reinsurance and other receivables...................       95        78 
Current income tax recoverable................................       --       112 
Deferred income tax assets....................................      474       612 
                                                                -------   ------- 
  Total assets designated to the closed block.................   42,133    40,648 
                                                                -------   ------- 
Excess of closed block liabilities over assets designated to                      
  the closed block............................................    3,899     4,426 
                                                                -------   ------- 
Amounts included in accumulated other comprehensive income                        
  (loss):                                                                         
  Unrealized investment gains (losses), net of income tax of                      
     $594 and $89, respectively...............................    1,101       166 
  Unrealized gains (losses) on derivative instruments, net of                     
     income tax of $5 and ($3), respectively..................       10        (5)
  Allocated to policyholder dividend obligation, net of income                    
     tax of ($307) and $0, respectively.......................     (569)       -- 
                                                                -------   ------- 
     Total amounts included in accumulated other comprehensive                    
       income (loss)..........................................      542       161 
                                                                -------   ------- 
Maximum future earnings to be recognized from closed block                        
  assets and liabilities......................................  $ 4,441   $ 4,587 
                                                                =======   ======= 


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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     Information regarding the closed block policyholder dividend obligation was
as follows:                                                                     

                                                                [Download Table]

                                                                  YEARS ENDED     
                                                                  DECEMBER 31,    
                                                              ------------------- 
                                                              2010   2009    2008 
                                                              ----   ----   ----- 
                                                                 (IN MILLIONS)    
                                                                                  
Balance at January 1,........................................ $ --    $--   $ 789 
Change in unrealized investment and derivative gains                              
  (losses)...................................................  876     --    (789)
                                                              ----    ---   ----- 
Balance at December 31,...................................... $876    $--   $  -- 
                                                              ====    ===   ===== 


Information regarding the closed block revenues and expenses was as   
follows:                                                                        

                                                                [Download Table]

                                                           YEARS ENDED DECEMBER 31, 
                                                           ------------------------ 
                                                            2010     2009     2008  
                                                           ------   ------   ------ 
                                                                 (IN MILLIONS)      
                                                                                    
REVENUES                                                                            
Premiums.................................................  $2,461   $2,708   $2,787 
Net investment income....................................   2,294    2,197    2,248 
Net investment gains (losses):                                                      
  Other-than-temporary impairments on fixed maturity                                
     securities..........................................     (32)    (107)     (94)
  Other-than-temporary impairments on fixed maturity                                
     securities transferred to other comprehensive income                           
     (loss)..............................................      --       40       -- 
  Other net investment gains (losses)....................      71      327      (19)
                                                           ------   ------   ------ 
     Total net investment gains (losses).................      39      260     (113)
  Net derivative gains (losses)..........................     (27)    (128)      29 
                                                           ------   ------   ------ 
     Total revenues......................................   4,767    5,037    4,951 
                                                           ------   ------   ------ 
EXPENSES                                                                            
Policyholder benefits and claims.........................   3,115    3,329    3,393 
Policyholder dividends...................................   1,235    1,394    1,498 
Other expenses...........................................     199      203      217 
                                                           ------   ------   ------ 
     Total expenses......................................   4,549    4,926    5,108 
                                                           ------   ------   ------ 
Revenues, net of expenses before provision for income tax                           
  expense (benefit)......................................     218      111     (157)
Provision for income tax expense (benefit)...............      72       36      (68)
                                                           ------   ------   ------ 
Revenues, net of expenses and provision for income tax                              
  expense (benefit)......................................  $  146   $   75   $  (89)
                                                           ======   ======   ====== 


The change in the maximum future earnings of the closed block was as  
follows:                                                                        

                                                                [Download Table]

                                                          YEARS ENDED DECEMBER 31,
                                                          ------------------------
                                                           2010     2009     2008 
                                                          ------   ------   ------
                                                                (IN MILLIONS)     
                                                                                  
Balance at December 31,.................................. $4,441   $4,587   $4,518
Less:                                                                             
  Closed block adjustment (1)............................     --      144       --
Balance at January 1,....................................  4,587    4,518    4,429
                                                          ------   ------   ------
Change during year....................................... $ (146)  $  (75)  $   89
                                                          ======   ======   ======


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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

--------                                                                        

 (1) The closed block adjustment represents an intra-company reallocation of
     assets which affected the closed block. The adjustment had no impact on
the Company's consolidated financial statements.                  

   Metropolitan Life Insurance Company charges the closed block with federal
income taxes, state and local premium taxes and other additive state or local   
taxes, as well as investment management expenses relating to the closed block as
provided in the Plan. Metropolitan Life Insurance Company also charges the      
closed block for expenses of maintaining the policies included in the closed    
block.                                                                          

11.  LONG-TERM AND SHORT-TERM DEBT                                              

Long-term and short-term debt outstanding is as follows:              

                                                        [Enlarge/Download Table]

                                           INTEREST RATES                                 
                                      ------------------------               DECEMBER 31, 
                                                      WEIGHTED             ---------------
                                         RANGE         AVERAGE   MATURITY   2010     2009 
                                      -----------     --------  ---------  ------   ------
                                                                            (IN MILLIONS) 
                                                                                          
Surplus notes -- affiliated.......... 2.23%-7.38%       4.61%   2011-2037  $1,874   $1,986
Surplus notes........................ 7.63%-7.88%       7.85%   2015-2025     699      698
Capital notes -- affiliated..........    7.13%          7.13%   2032-2033     500      500
Mortgage loans -- affiliated......... 7.01%-7.26%       7.18%      2020       199      200
Other notes with varying interest                                                         
  rates.............................. 3.76%-8.56%       8.45%   2011-2017     102       65
Secured demand note -- affiliated....    0.50%          0.50%      2011        25       25
Capital lease obligations............                                          27       28
                                                                           ------   ------
Total long-term debt (1).............                                       3,426    3,502
Total short-term debt................                                         102      319
                                                                           ------   ------
  Total..............................                                      $3,528   $3,821
                                                                           ======   ======


--------                                                                        

  (1) Excludes $184 million at December 31, 2010 of long-term debt relating to
CSEs. See Note 3.                                                 

 The aggregate maturities of long-term debt at December 31, 2010 for the
next five years and thereafter are $853 million in 2011, less than $1 million in
2012, less than $1 million in 2013, $217 million in 2014, $388 million in 2015  
and $1,968 million thereafter.                                                  

   Capital lease obligations, mortgage loans and the secured demand note are
collateralized and rank highest in priority, followed by unsecured senior debt  
which consists of other notes with varying interest rates. Payments of interest 
and principal on the Company's surplus notes and capital notes are subordinate  
to all other obligations. Payments of interest and principal on surplus notes   
may be made only with the prior approval of the insurance department of the     
state of domicile, whereas such payments on capital notes may or may not require
this prior approval.                                                            

    Certain of the Company's debt instruments, credit facilities and committed
facilities contain various administrative, reporting, legal and financial       
covenants. The Company believes it was in compliance with all covenants at both 
December 31, 2010 and 2009.                                                     

SURPLUS NOTES -- AFFILIATED                                                 

 On December 29, 2010, Metropolitan Life Insurance Company repaid a $300
million surplus note to MetLife, Inc. in cash. The note was issued in December  
2009, with an original maturity of 2011 and an interest rate of 6-month LIBOR   
plus 1.80%. The issuance was settled by the transfer of securities from MetLife,
Inc. to the Company.                                                            

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

On November 8, 2010, Metropolitan Life Insurance Company issued a $188
million surplus note to MetLife Mexico, S.A. ("MetLife Mexico"), an affiliate,  
maturing in 2015 with an interest rate of 3.0%.                                 

In December 2009, Metropolitan Life Insurance Company's $700 million  
surplus note issued to MetLife, Inc. was renewed and increased to $775 million, 
extending the maturity to 2011 with an interest rate of 6-month LIBOR plus      
1.80%.                                                                          

In September 2009, Metropolitan Life Insurance Company issued a $217  
million surplus note to MetLife Mexico, maturing in 2014 with an interest rate  
of 6.46%.                                                                       

MORTGAGE LOANS -- AFFILIATED                                                

    In December 2009, two wholly-owned real estate subsidiaries of the Company
issued notes aggregating $200 million to MetLife Insurance Company of           
Connecticut and its wholly-owned subsidiary, MetLife Investors USA Insurance    
Company, both affiliates of the Company. These affiliated mortgage loans are    
secured by real estate held by the Company for investment. Of these loans, $60  
million bears interest at a rate of 7.01% payable in quarterly interest payments
through maturity in 2020, and $140 million bears interest at a rate of 7.26% and
is payable in quarterly principal and interest payments through maturity in     
2020.                                                                           

SECURED DEMAND NOTE -- AFFILIATED                                           

  Effective September 2008, the Company entered into a secured demand note
collateral agreement with an affiliate pursuant to which the affiliate pledged  
securities to the Company to collateralize its obligation to lend $25 million to
the Company. The Company has not exercised its right to sell or repledge the    
collateral.                                                                     

SHORT-TERM DEBT                                                             

  Short-term debt with maturities of one year or less was $102 million and
$319 million at December 31, 2010 and 2009, respectively, which consisted       
entirely of commercial paper. During the years ended December 31, 2010, 2009 and
2008, the weighted average interest rate on short-term debt was 0.21%, 0.35% and
2.40%, respectively. During the years ended December 31, 2010, 2009 and 2008,   
the average daily balance of short-term debt was $311 million, $365 million and 
$421 million, respectively, and was outstanding for an average of 29 days, 23   
days and 25 days, respectively.                                                 

INTEREST EXPENSE                                                            

  Interest expense related to the Company's indebtedness included in other
expenses was $202 million, $166 million and $192 million for the years ended    
December 31, 2010, 2009 and 2008, respectively. These amounts include $143      
million, $105 million and $120 million of interest expense related to affiliated
debt for the years ended December 31, 2010, 2009 and 2008, respectively.        

CREDIT AND COMMITTED FACILITIES                                             

     The Company maintains unsecured credit facilities and a committed facility,
which aggregated $4.0 billion and $500 million, respectively, at December 31,   
2010. When drawn upon, these facilities bear interest at varying rates in       
accordance with the respective agreements.                                      

  Credit Facilities.  The unsecured credit facilities are used for general
corporate purposes, to support the borrowers' commercial paper program and for  
the issuance of letters of credit. Total fees expensed by the Company           

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

associated with these credit facilities were $8 million, $6 million and $4      
million for the years ended December 31, 2010, 2009 and 2008, respectively.     
Information on these credit facilities at December 31, 2010 is as follows:      

                                                        [Enlarge/Download Table]

                                                               LETTER OF                         
                                                                 CREDIT                  UNUSED  
BORROWER(S)                           EXPIRATION    CAPACITY   ISSUANCES   DRAWDOWNS  COMMITMENTS
-----------------------------------  ------------   --------   ---------   ---------  -----------
                                                             (IN MILLIONS)                       
                                                                                                 
MetLife, Inc. and MetLife Funding,                                                               
  Inc. ............................  October 2011    $1,000      $   --       $--        $1,000  
MetLife, Inc. and MetLife Funding,                                                               
  Inc. ............................  October 2013 (1) 3,000       1,507        --         1,493  
                                                     ------      ------       ---        ------  
  Total............................                  $4,000      $1,507       $--        $2,493  
                                                     ======      ======       ===        ======  


--------                                                                        

   (1) All borrowings under the credit agreement must be repaid by October 2013,
   except that letters of credit outstanding upon termination may remain
outstanding until October 2014.                                   

  Committed Facilities.  The committed facility is used for collateral for
certain of the Company's affiliated reinsurance liabilities. Total fees expensed
by the Company associated with this committed facility were $4 million, $3      
million and $4 million for the years ended December 31, 2010, 2009 and 2008,    
respectively. Information on the committed facility at December 31, 2010 is as  
follows:                                                                        

                                                        [Enlarge/Download Table]

                                                       LETTER OF                                   
                                                         CREDIT                  UNUSED    MATURITY
ACCOUNT PARTY/BORROWER(S)        EXPIRATION  CAPACITY  ISSUANCES   DRAWDOWNS  COMMITMENTS   (YEARS)
-------------------------------  ----------  --------  ---------   ---------  -----------  --------
                                                            (IN MILLIONS)                          
                                                                                                   
Exeter Reassurance Company                                                                         
  Ltd., MetLife, Inc. &                                                                            
  Missouri Reinsurance                                                                             
  (Barbados), Inc. ............   June 2016    $500       $490        $--         $10          5   

12.  INCOME TAX                                                                 

 The provision for income tax from continuing operations was as follows:

                                                                [Download Table]

                                                             YEARS ENDED DECEMBER  
                                                                     31,           
                                                           ----------------------- 
                                                           2010     2009     2008  
                                                           ----   -------   ------ 
                                                                (IN MILLIONS)      
                                                                                   
Current:                                                                           
  Federal................................................. $309   $   212   $ (295)
  State and local.........................................    4         3        2 
  Foreign.................................................   46       174      253 
                                                           ----   -------   ------ 
     Subtotal.............................................  359       389      (40)
                                                           ----   -------   ------ 
Deferred:                                                                          
  Federal.................................................  354    (2,226)   1,668 
  Foreign.................................................   69       (53)      22 
                                                           ----   -------   ------ 
     Subtotal.............................................  423    (2,279)   1,690 
                                                           ----   -------   ------ 
       Provision for income tax expense (benefit)......... $782   $(1,890)  $1,650 
                                                           ====   =======   ====== 


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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

   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:                                                                        

                                                                [Download Table]

                                                          YEARS ENDED DECEMBER 31, 
                                                          ------------------------ 
                                                           2010     2009     2008  
                                                          -----   -------   ------ 
                                                                (IN MILLIONS)      
                                                                                   
Tax provision at U.S. statutory rate..................... $ 895   $(1,548)  $1,758 
Tax effect of:                                                                     
  Tax-exempt investment income...........................  (100)     (149)    (116)
  State and local income tax.............................     1        --        1 
  Prior year tax.........................................    48       (11)      52 
  Tax credits............................................   (72)      (85)     (56)
  Foreign tax rate differential and change in valuation                            
     allowance...........................................     5       (77)     (14)
  Other, net.............................................     5       (20)      25 
                                                          -----   -------   ------ 
     Provision for income tax expense (benefit).......... $ 782   $(1,890)  $1,650 
                                                          =====   =======   ====== 


  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:                                     

                                                                [Download Table]

                                                                   DECEMBER 31, 
                                                                 ---------------
                                                                  2010     2009 
                                                                 ------   ------
                                                                  (IN MILLIONS) 
                                                                                
Deferred income tax assets:                                                     
  Policyholder liabilities and receivables...................... $2,787   $3,245
  Net operating loss carryforwards..............................     24       49
  Employee benefits.............................................    632      751
  Capital loss carryforwards....................................     12        5
  Tax credit carryforwards......................................    287      296
  Net unrealized investment losses..............................     --      326
  Litigation-related and government mandated....................    220      239
  Other.........................................................     17       24
                                                                 ------   ------
                                                                  3,979    4,935
  Less: Valuation allowance.....................................     38       26
                                                                 ------   ------
                                                                  3,941    4,909
                                                                 ------   ------
Deferred income tax liabilities:                                                
  Investments, including derivatives............................  1,219    1,338
  DAC...........................................................  2,235    2,283
  Net unrealized investment gains...............................  1,239       --
  Intangibles...................................................    189      184
  Other.........................................................      9       10
                                                                 ------   ------
                                                                  4,891    3,815
                                                                 ------   ------
  Net deferred income tax asset (liability)..................... $ (950)  $1,094
                                                                 ======   ======


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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  Domestic net operating loss carryforwards of $29 million at December 31,
2010 will expire beginning in 2020. State net operating loss carryforwards of   
$26 million at December 31, 2010 will expire beginning in 2011. Foreign net     
operating loss carryforwards of $38 million at December 31, 2010 were generated 
in various foreign countries with expiration periods of five years to indefinite
expiration. Foreign capital loss carryforwards of $35 million at December 31,   
2010 will expire beginning in 2014. Tax credit carryforwards were $287 million  
at December 31, 2010.                                                           

   The Company has recorded a valuation allowance related to tax benefits of
certain state and foreign net operating and capital loss carryforwards. The     
valuation allowance reflects management's assessment, based on available        
information, that it is more likely than not that the deferred income tax asset 
for certain foreign net operating and capital loss carryforwards will not be    
realized. The tax benefit will be recognized when management believes that it is
more likely than not that these deferred income tax assets are realizable. In   
2010, the Company recorded an overall increase to the deferred tax valuation    
allowance of $12 million, comprised of an increase of $4 million related to     
certain state and foreign net operating loss carryforwards and an increase of $8
million related to certain foreign capital loss carryforwards.                  

   The Company files income tax returns with the U.S. federal government and
various state and local jurisdictions, as well as foreign jurisdictions. The    
Company is under continuous examination by the Internal Revenue Service ("IRS") 
and other tax authorities in jurisdictions in which the Company has significant 
business operations. The income tax years under examination vary by             
jurisdiction. With a few exceptions, the Company is no longer subject to U.S.   
federal, state and local, or foreign income tax examinations by tax authorities 
for years prior to 2000. In early 2009, the Company and the IRS completed and   
substantially settled the audit years of 2000 to 2002. A few issues not settled 
have been escalated to the next level, IRS Appeals. In April 2010, the IRS exam 
of the current audit cycle, years 2003 to 2006, began.                          

   The Company's liability for unrecognized tax benefits may decrease in the
next 12 months pending the outcome of remaining issues, tax-exempt income and   
tax credits, associated with the 2000 to 2002 IRS audit. A reasonable estimate  
of the decrease cannot be made at this time. However, the Company continues to  
believe that the ultimate resolution of the 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.                                                       

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.                                             

At December 31, 2010, the Company's total amount of unrecognized tax  
benefits was $499 million and the total amount of unrecognized tax benefits that
would affect the effective tax rate, if recognized, was $432 million. The total 
amount of unrecognized tax benefits decreased by $93 million from December 31,  
2009 primarily due to decreases for tax positions of prior years and settlements
reached with the IRS. Settlements with tax authorities amounted to $31 million, 
all of which was reclassified to current and deferred income tax payable, as    
applicable, with $1 million paid in 2010.                                       

At December 31, 2009, the Company's total amount of unrecognized tax  
benefits was $592 million and the total amount of unrecognized tax benefits that
would affect the effective tax rate, if recognized, was $490 million. The total 
amount of unrecognized tax benefits decreased by $1 million from December 31,   
2008 primarily due to additions for tax positions of the current and prior years
offset by settlements reached with the IRS. Settlements with tax authorities    
amounted to $45 million, of which $43 million was reclassified to current income
tax payable and paid in 2009 and $2 million reduced current income tax expense. 

At December 31, 2008, the Company's total amount of unrecognized tax  
benefits was $593 million and the total amount of unrecognized tax benefits that
would affect the effective tax rate, if recognized, was $485 million. The total 
amount of unrecognized tax benefits decreased by $62 million from December 31,  
2007 primarily due to                                                           

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settlements reached with the IRS with respect to certain significant issues     
involving demutualization, leasing and tax credits offset by additions for tax  
positions of the current year. As a result of the settlements, items within the 
liability for unrecognized tax benefits, in the amount of $135 million, were    
reclassified to current and deferred income tax payable, as applicable, of which
$2 million was paid in 2008 and $133 million was paid in 2009.                  

 A reconciliation of the beginning and ending amount of unrecognized tax
benefits was as follows:                                                        

                                                                [Download Table]

                                                                 YEARS ENDED     
                                                                 DECEMBER 31,    
                                                             ------------------- 
                                                             2010   2009    2008 
                                                             ----   ----   ----- 
                                                                (IN MILLIONS)    
                                                                                 
Balance at January 1,....................................... $592   $593   $ 655 
Additions for tax positions of prior years..................    2     42       4 
Reductions for tax positions of prior years.................  (54)   (30)    (33)
Additions for tax positions of current year.................    2     34     120 
Reductions for tax positions of current year................   (1)    (2)    (12)
Settlements with tax authorities............................  (31)   (45)   (135)
Lapses of statutes of limitations...........................  (11)    --      (6)
                                                             ----   ----   ----- 
Balance at December 31,..................................... $499   $592   $ 593 
                                                             ====   ====   ===== 


     During the year ended December 31, 2010, the Company recognized $27 million
in interest expense associated with the liability for unrecognized tax benefits.
At December 31, 2010, the Company had $176 million of accrued interest          
associated with the liability for unrecognized tax benefits. The $4 million     
increase from December 31, 2009 in accrued interest associated with the         
liability for unrecognized tax benefits resulted from an increase of $27 million
of interest expense and a $23 million decrease primarily resulting from the     
aforementioned IRS settlements. Of the $23 million decrease, $9 million has been
reclassified to current income tax payable of which $2 million was paid in 2010.
The remaining $14 million reduced interest expense.                             

     During the year ended December 31, 2009, the Company recognized $38 million
in interest expense associated with the liability for unrecognized tax benefits.
At December 31, 2009, the Company had $172 million of accrued interest          
associated with the liability for unrecognized tax benefits. The $16 million    
increase from December 31, 2008 in accrued interest associated with the         
liability for unrecognized tax benefits resulted from an increase of $38 million
of interest expense and a $22 million decrease primarily resulting from the     
aforementioned IRS settlements. Of the $22 million decrease, $20 million was    
reclassified to current income tax payable and was paid in 2009. The remaining  
$2 million reduced interest expense.                                            

     During the year ended December 31, 2008, the Company recognized $33 million
in interest expense associated with the liability for unrecognized tax benefits.
At December 31, 2008, the Company had $156 million of accrued interest          
associated with the liability for unrecognized tax benefits. The $41 million    
decrease from December 31, 2007 in accrued interest associated with the         
liability for unrecognized tax benefits resulted from an increase of $33 million
of interest expense and a $74 million decrease primarily resulting from the     
aforementioned IRS settlements. Of the $74 million decrease, $73 million was    
reclassified to current income tax payable in 2008, with $4 million and $69     
million paid in 2008 and 2009, respectively. The remaining $1 million reduced   
interest expense.                                                               

     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                                          

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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, 2010 and 2009, the Company recognized an income tax benefit of $38 million  
and $101 million, respectively, related to the separate account DRD. The 2010   
benefit included an expense of $23 million related to a true-up of the 2009 tax 
return. The 2009 benefit included a benefit of $10 million related to a true-up 
of the 2008 tax return.                                                         

13.  CONTINGENCIES, COMMITMENTS AND GUARANTEES                                  

CONTINGENCIES                                                                   

LITIGATION                                                                  

     The Company is a defendant in a large number of litigation matters. In some
of the matters, very large and/or indeterminate amounts, including punitive and 
treble damages, are sought. Modern pleading practice in the United States       
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.                                                             

   On a quarterly and annual basis, the Company reviews relevant information
with respect to litigation and contingencies to be reflected in the Company's   
consolidated financial statements. The review includes senior legal and         
financial personnel. Estimates of possible losses or ranges of loss for         
particular matters cannot in the ordinary course be made with a reasonable      
degree of certainty. Liabilities are established when it is probable that a loss
has been incurred and the amount of the loss can be reasonably estimated.       
Liabilities have been established for a number of the matters noted below. It is
possible that some of the matters could require the Company to pay damages or   
make other expenditures or establish accruals in amounts that could not be      
estimated at December 31, 2010.                                                 

Asbestos-Related Claims                                                     

    Metropolitan Life Insurance Company is and has been a defendant in a large
number of asbestos-related suits filed primarily in state courts. These suits   
principally allege that the plaintiff or plaintiffs suffered personal injury    
resulting from exposure to asbestos and seek both actual and punitive damages.  
Metropolitan Life Insurance Company has never engaged in the business of        
manufacturing, producing, distributing or selling asbestos or asbestos-         
containing products nor has Metropolitan Life Insurance Company issued liability
or workers' compensation insurance to companies in the business of              
manufacturing, producing, distributing or selling asbestos or asbestos-         
containing products. The lawsuits principally have focused on allegations with  
respect to certain research, publication and other activities of one or more of 
Metropolitan Life Insurance Company's employees during the period from the      
1920's through approximately the 1950's and allege that Metropolitan Life       
Insurance Company learned or should have learned of certain health risks posed  
by asbestos and, among other                                                    

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things, improperly publicized or failed to disclose those health risks.         
Metropolitan Life Insurance Company believes that it should not have legal      
liability in these cases. The outcome of most asbestos litigation matters,      
however, is uncertain and can be impacted by numerous variables, including      
differences in legal rulings in various jurisdictions, the nature of the alleged
injury, and factors unrelated to the ultimate legal merit of the claims asserted
against Metropolitan Life Insurance Company. Metropolitan Life Insurance Company
employs a number of resolution strategies to manage its asbestos loss exposure, 
including seeking resolution of pending litigation by judicial rulings and      
settling individual or groups of claims or lawsuits under appropriate           
circumstances.                                                                  

   Claims asserted against Metropolitan Life Insurance Company have included
negligence, intentional tort and conspiracy concerning the health risks         
associated with asbestos. Metropolitan Life Insurance Company's defenses (beyond
denial of certain factual allegations) include that: (i) Metropolitan Life      
Insurance Company owed no duty to the plaintiffs-- it had no special            
relationship with the plaintiffs and did not manufacture, produce, distribute or
sell the asbestos products that allegedly injured plaintiffs; (ii) plaintiffs   
did not rely on any actions of Metropolitan Life Insurance Company; (iii)       
Metropolitan Life Insurance Company's conduct was not the cause of the          
plaintiffs' injuries; (iv) plaintiffs' exposure occurred after the dangers of   
asbestos were known; and (v) the applicable time with respect to filing suit has
expired. During the course of the litigation, certain trial courts have granted 
motions dismissing claims against Metropolitan Life Insurance Company, while    
other trial courts have denied Metropolitan Life Insurance Company's motions to 
dismiss. There can be no assurance that Metropolitan Life Insurance Company will
receive favorable decisions on motions in the future. While most cases brought  
to date have settled, Metropolitan Life Insurance Company intends to continue to
defend aggressively against claims based on asbestos exposure, including        
defending claims at trials.                                                     

 The approximate total number of asbestos personal injury claims pending
against Metropolitan Life Insurance Company as of the dates indicated, the      
approximate number of new claims during the years ended on those dates and the  
approximate total settlement payments made to resolve asbestos personal injury  
claims at or during those years are set forth in the following table:           

                                                                [Download Table]

                                                                DECEMBER 31,       
                                                        ---------------------------
                                                          2010      2009      2008 
                                                        -------   -------   -------
                                                        (IN MILLIONS, EXCEPT NUMBER
                                                                 OF CLAIMS)        
                                                                                   
Asbestos personal injury claims at year end............  68,513    68,804    74,027
Number of new claims during the year...................   5,670     3,910     5,063
Settlement payments during the year (1)................ $  34.9   $  37.6   $  99.0

--------                                                                        

(1) Settlement payments represent payments made by Metropolitan Life      
      Insurance Company during the year in connection with settlements made in
    that year and in prior years. Amounts do not include Metropolitan Life
 Insurance Company's attorneys' fees and expenses and do not reflect
amounts received from insurance carriers.                         

   In 2007, Metropolitan Life Insurance Company received approximately 7,161
new claims, ending the year with a total of approximately 79,717 claims, and    
paid approximately $28.2 million for settlements reached in 2007 and prior      
years. In 2006, Metropolitan Life Insurance Company received approximately 7,870
new claims, ending the year with a total of approximately 87,070 claims, and    
paid approximately $35.5 million for settlements reached in 2006 and prior      
years. In 2005, Metropolitan Life Insurance Company received approximately      
18,500 new claims, ending the year with a total of approximately 100,250 claims,
and paid approximately $74.3 million for settlements reached in 2005 and prior  
years. In 2004, Metropolitan Life Insurance Company received approximately      
23,900 new claims, ending the year with a total of approximately 108,000 claims,
and paid approximately $85.5 million for settlements reached in 2004 and prior  
years. In 2003, Metropolitan Life Insurance Company received approximately      
58,750 new claims, ending the year with a total of approximately 111,700 claims,
and paid approximately $84.2 million for settlements reached in 2003 and prior  
years. The number of asbestos cases that                                        

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may be brought, the aggregate amount of any liability that Metropolitan Life    
Insurance Company may incur, and the total amount paid in settlements in any    
given year are uncertain and may vary significantly from year to year.          

     The ability of Metropolitan Life Insurance Company to estimate its ultimate
asbestos exposure is subject to considerable uncertainty, and the conditions    
impacting its liability can be dynamic and subject to change. The availability  
of reliable data is limited and it is difficult to predict with any certainty   
the numerous variables that can affect liability estimates, including the number
of future claims, the cost to resolve claims, the disease mix and severity of   
disease in pending and future claims, the impact of the number of new claims    
filed in a particular jurisdiction and variations in the law in the             
jurisdictions in which claims are filed, the possible impact of tort reform     
efforts, the willingness of courts to allow plaintiffs to pursue claims against 
Metropolitan Life Insurance Company when exposure to asbestos took place after  
the dangers of asbestos exposure were well known, and the impact of any possible
future adverse verdicts and their amounts.                                      

     The ability to make estimates regarding ultimate asbestos exposure declines
significantly as the estimates relate to years further in the future. In the    
Company's judgment, there is a future point after which losses cease to be      
probable and reasonably estimable. It is reasonably possible that the Company's 
total exposure to asbestos claims may be materially greater than the asbestos   
liability currently accrued and that future charges to income may be necessary. 
While the potential future charges could be material in the particular quarterly
or annual periods in which they are recorded, based on information currently    
known by management, management does not believe any such charges are likely to 
have a material adverse effect on the Company's financial position.             

During 1998, Metropolitan Life Insurance Company paid $878 million in 
premiums for excess insurance policies for asbestos-related claims. The excess  
insurance policies for asbestos-related claims provided for recovery of losses  
up to $1.5 billion in excess of a $400 million self-insured retention. The      
Company's initial option to commute the excess insurance policies for asbestos- 
related claims would have arisen at the end of 2008. On September 29, 2008,     
Metropolitan Life Insurance Company entered into agreements commuting the excess
insurance policies at September 30, 2008. As a result of the commutation of the 
policies, Metropolitan Life Insurance Company received cash and securities      
totaling $632 million. Of this total, Metropolitan Life Insurance Company       
received $115 million in fixed maturity securities on September 26, 2008, $200  
million in cash on October 29, 2008, and $317 million in cash on January 29,    
2009. Metropolitan Life Insurance Company recognized a loss on commutation of   
the policies in the amount of $35.3 million during 2008.                        

In the years prior to commutation, the excess insurance policies for  
asbestos-related claims were subject to annual and per claim sublimits. Amounts 
exceeding the sublimits during 2007, 2006 and 2005 were approximately $16       
million, $8 million and $0, respectively. Amounts were recoverable under the    
policies annually with respect to claims paid during the prior calendar year.   
Each asbestos-related policy contained an experience fund and a reference fund  
that provided for payments to Metropolitan Life Insurance Company at the        
commutation date if the reference fund was greater than zero at commutation or  
pro rata reductions from time to time in the loss reimbursements to Metropolitan
Life Insurance Company if the cumulative return on the reference fund was less  
than the return specified in the experience fund. The return in the reference   
fund was tied to performance of the S&P 500 Index and the Lehman Brothers       
Aggregate Bond Index. A claim with respect to the prior year was made under the 
excess insurance policies in each year from 2003 through 2008 for the amounts   
paid with respect to asbestos litigation in excess of the retention. The        
foregone loss reimbursements were approximately $62.2 million with respect to   
claims for the period of 2002 through 2007. Because the policies were commuted  
at September 30, 2008, there will be no claims under the policies or forgone    
loss reimbursements with respect to payments made in 2008 and thereafter.       

   The Company believes adequate provision has been made in its consolidated
financial statements for all probable and reasonably estimable losses for       
asbestos-related claims. Metropolitan Life Insurance Company's recorded asbestos
liability is based on its estimation of the following elements, as informed by  
the facts presently known to it, its understanding of current law and its past  
experiences: (i) the probable and reasonably estimable                          

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liability for asbestos claims already asserted against Metropolitan Life        
Insurance Company, including claims settled but not yet paid; (ii) the probable 
and reasonably estimable liability for asbestos claims not yet asserted against 
Metropolitan Life Insurance Company, but which Metropolitan Life Insurance      
Company believes are reasonably probable of assertion; and (iii) the legal      
defense costs associated with the foregoing claims. Significant assumptions     
underlying Metropolitan Life Insurance Company's analysis of the adequacy of its
recorded liability with respect to asbestos litigation include: (i) the number  
of future claims; (ii) the cost to resolve claims; and (iii) the cost to defend 
claims.                                                                         

   Metropolitan Life Insurance Company reevaluates on a quarterly and annual
basis its exposure from asbestos litigation, including studying its claims      
experience, reviewing external literature regarding asbestos claims experience  
in the United States, assessing relevant trends impacting asbestos liability and
considering numerous variables that can affect its asbestos liability exposure  
on an overall or per claim basis. These variables include bankruptcies of other 
companies involved in asbestos litigation, legislative and judicial             
developments, the number of pending claims involving serious disease, the number
of new claims filed against it and other defendants and the jurisdictions in    
which claims are pending. As previously disclosed, in 2002 Metropolitan Life    
Insurance Company increased its recorded liability for asbestos-related claims  
by $402 million from approximately $820 million to $1,225 million. Based upon   
its regular reevaluation of its exposure from asbestos litigation, Metropolitan 
Life Insurance Company has updated its liability analysis for asbestos-related  
claims through December 31, 2010.                                               

Regulatory Matters                                                          

The Company receives and responds to subpoenas or other inquiries from
state regulators, including state insurance commissioners; state attorneys      
general or other state governmental authorities; federal regulators, including  
the U.S. Securities and Exchange Commission ("SEC"); federal governmental       
authorities, including congressional committees; and the Financial Industry     
Regulatory Authority ("FINRA") seeking a broad range of information. The issues 
involved in information requests and regulatory matters vary widely. The Company
cooperates in these inquiries.                                                  

   United States of America v. EME Homer City Generation, L.P., et al. (W.D.
Pa., filed January 4, 2011).  On January 4, 2011, the United States commenced a 
civil action in United States District Court for the Western District of        
Pennsylvania against EME Homer City Generation L.P. ("EME Homer City"), Homer   
City OL6 LLC, and other defendants regarding the operations of the Homer City   
Generating Station, an electricity generating facility. Homer City OL6 LLC, an  
entity owned by Metropolitan Life Insurance Company, is a passive investor with 
a noncontrolling interest in the electricity generating facility, which is      
solely operated by the lessee, EME Homer City. The complaint seeks injunctive   
relief and assessment of civil penalties for alleged violations of the federal  
Clean Air Act and Pennsylvania's State Implementation Plan. The alleged         
violations were the subject of Notices of Violations ("NOVs") that the          
Environmental Protection Agency ("EPA") issued to EME Homer City, Homer City OL6
LLC, and others in June 2008 and May 2010. On January 7, 2011, the United States
District Court for the Western District of Pennsylvania granted the motion by   
the Pennsylvania Department of Environmental Protection and the State of New    
York to intervene in the lawsuit as additional plaintiffs. On February 16, 2011,
the State of New Jersey filed an Intervenor's Complaint in the lawsuit. On      
January 7, 2011, two plaintiffs filed a putative class action titled Scott      
Jackson and Maria Jackson v. EME Homer City Generation L.P., et. al. in the     
United States District Court for the Western District of Pennsylvania on behalf 
of a putative class of persons who have allegedly incurred damage to their      
persons and/or property because of the violations alleged in the action brought 
by the United States. Homer City OL6 LLC is a defendant in this action. EME     
Homer City has acknowledged its obligation to indemnify Homer City OL6 LLC for  
any claims relating to the NOVs.                                                

In the Matter of Chemform, Inc. Site, Pompano Beach, Broward County,  
Florida.  In July 2010, the EPA advised Metropolitan Life Insurance Company that
it believed payments were due under two settlement                              

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agreements, known as "Administrative Orders on Consent," that New England Mutual
Life Insurance Company ("New England Mutual") signed in 1989 and 1992 with      
respect to the cleanup of a Superfund site in Florida (the "Chemform Site"). The
EPA originally contacted Metropolitan Life Insurance Company (as successor to   
New England Mutual) and a third party in 2001, and advised that they owed       
additional clean-up costs for the Chemform Site. The matter was not resolved at 
that time. The EPA is requesting payment of an amount under $1 million from     
Metropolitan Life Insurance Company and a third party for past costs and for    
future environmental testing costs at the Chemform Site.                        

Regulatory authorities in a small number of states and FINRA, and     
occasionally the SEC, have had investigations or inquiries relating to sales of 
individual life insurance policies or annuities or other products by            
Metropolitan Life Insurance Company, New England Life Insurance Company         
("NELICO"), GALIC, and New England Securities Corporation. These investigations 
often focus on the conduct of particular financial services representatives and 
the sale of unregistered or unsuitable products or the misuse of client assets. 
Over the past several years, these and a number of investigations by other      
regulatory authorities were resolved for monetary payments and certain other    
relief, including restitution payments. The Company may continue to resolve     
investigations in a similar manner. The Company believes adequate provision has 
been made in its consolidated financial statements for all probable and         
reasonably estimable losses for these sales practices related investigations or 
inquiries.                                                                      

Retained Asset Account Matters                                              

  The New York Attorney General announced on July 29, 2010 that his office
had launched a major fraud investigation into the life insurance industry for   
practices related to the use of retained asset accounts as a settlement option  
for death benefits and that subpoenas requesting comprehensive data related to  
retained asset accounts had been served on the Company and other insurance      
carriers. The Company received the subpoena on July 30, 2010. The Company also  
has received requests for documents and information from U.S. congressional     
committees and members as well as various state regulatory bodies, including the
New York State Insurance Department (the "Department"). It is possible that     
other state and federal regulators or legislative bodies may pursue similar     
investigations or make related inquiries. Management cannot predict what effect 
any such investigations might have on the Company's earnings or the availability
of the Company's retained asset account known as the Total Control Account      
("TCA"), but management believes that the Company's consolidated financial      
statements taken as a whole would not be materially affected. Management        
believes that any allegations that information about the TCA is not adequately  
disclosed or that the accounts are fraudulent or otherwise violate state or     
federal laws are without merit. Metropolitan Life Insurance Company is a        
defendant in lawsuits related to the TCA. The lawsuits include claims of breach 
of contract, breach of a common law fiduciary duty or a quasi fiduciary duty    
such as a confidential or special relationship, or breach of a fiduciary duty   
under the Employee Retirement Income Security Act of 1974 ("ERISA").            

    Clark, et al. v. Metropolitan Life Insurance Company (D. Nev., filed March
28, 2008).  This putative class action lawsuit alleges breach of contract and   
breach of a common law fiduciary and/or quasi-fiduciary duty arising from use of
the TCA to pay life insurance policy death benefits. As damages, plaintiffs seek
disgorgement of the difference between the interest paid to the account holders 
and the investment earnings on the assets backing the accounts. In March 2009,  
the court granted in part and denied in part Metropolitan Life Insurance        
Company's motion to dismiss, dismissing the fiduciary duty and unjust enrichment
claims but allowing a breach of contract claim and a special or confidential    
relationship claim to go forward. On September 9, 2010, the court granted       
Metropolitan Life Insurance Company's motion for summary judgment. On September 
20, 2010, plaintiff filed a Notice of Appeal to the United States Court of      
Appeals for the Ninth Circuit.                                                  

Faber, et al. v. Metropolitan Life Insurance Company (S.D.N. Y., filed
December 4, 2008).  This putative class action lawsuit alleges that Metropolitan
Life Insurance Company's use of the TCA as the settlement option under          

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group life insurance policies violates Metropolitan Life Insurance Company's    
fiduciary duties under ERISA. As damages, plaintiffs seek disgorgement of the   
difference between the interest paid to the account holders and the investment  
earnings on the assets backing the accounts. On October 23, 2009, the court     
granted Metropolitan Life Insurance Company's motion to dismiss with prejudice. 
On November 24, 2009, plaintiffs filed a Notice of Appeal to the United States  
Court of Appeals for the Second Circuit.                                        

  Keife, et al. v. Metropolitan Life Insurance Company  (D. Nev., filed in
state court on July 30, 2010 and removed to federal court on September 7, 2010).
This putative class action lawsuit raises a breach of contract claim arising    
from Metropolitan Life Insurance Company's use of the TCA to pay life insurance 
benefits under the Federal Employees Group Life Insurance program. As damages,  
plaintiffs seek disgorgement of the difference between the interest paid to the 
account holders and the investment earnings on the assets backing the accounts. 
In September 2010, plaintiffs filed a motion for class certification of the     
breach of contract claim, which the court has stayed. On November 22, 2010,     
Metropolitan Life Insurance Company filed a motion to dismiss.                  

Other Litigation                                                            

 Thomas, et al. v. Metropolitan Life Ins. Co., et al. (W.D. Okla., filed
January 31, 2007).  A putative class action complaint was filed against         
Metropolitan Life Insurance Company and MetLife Securities, Inc ("MSI").        
Plaintiffs asserted legal theories of violations of the federal securities laws 
and violations of state laws with respect to the sale of certain proprietary    
products by the Company's agency distribution group. Plaintiffs sought          
rescission, compensatory damages, interest, punitive damages and attorneys' fees
and expenses. In August 2009, the district court granted defendants' motion for 
summary judgment. On February 2, 2011, the United States Court of Appeals for   
the Tenth Circuit affirmed the judgment of the district court granting          
Metropolitan Life Insurance Company's and MSI's summary judgment motion.        

     Sales Practices Claims.  Over the past several years, the Company has faced
numerous claims, including class action lawsuits, alleging improper marketing or
sales of individual life insurance policies, annuities, mutual funds or other   
products. Some of the current cases seek substantial damages, including punitive
and treble damages and attorneys' fees. 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.           

    Sun Life Assurance Company of Canada v. Metropolitan Life Ins. Co. (Super.
Ct., Ontario, October 2006).  In 2006, Sun Life Assurance Company of Canada     
("Sun Life"), as successor to the purchaser of Metropolitan Life Insurance      
Company's Canadian operations, filed this lawsuit in Toronto, seeking a         
declaration that Metropolitan Life Insurance Company remains liable for "market 
conduct claims" related to certain individual life insurance policies sold by   
Metropolitan Life Insurance Company and that have been transferred to Sun Life. 
Sun Life had asked that the court require Metropolitan Life Insurance Company to
indemnify Sun Life for these claims pursuant to indemnity provisions in the sale
agreement for the sale of Metropolitan Life Insurance Company's Canadian        
operations entered into in June of 1998. In January 2010, the court found that  
Sun Life had given timely notice of its claim for indemnification but, because  
it found that Sun Life had not yet incurred an indemnifiable loss, granted      
Metropolitan Life Insurance Company's motion for summary judgment. Both parties 
appealed. In September 2010, Sun Life notified Metropolitan Life Insurance      
Company that a purported class action lawsuit was filed against Sun Life in     
Toronto, Kang v. Sun Life Assurance Co. (Super. Ct., Ontario, September 2010),  
alleging sales practices claims regarding the same individual policies sold by  
Metropolitan Life Insurance Company and transferred to Sun Life. Sun Life       
contends that Metropolitan Life Insurance Company is obligated to indemnify Sun 
Life for some or all of the claims in this lawsuit. Metropolitan Life Insurance 
Company is currently not a party to the Kang v. Sun Life lawsuit.               

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Summary                                                                     

Putative or certified class action litigation and other litigation and
claims and assessments against the Company, in addition to those discussed      
previously and those otherwise provided for in the Company's consolidated       
financial statements, have arisen in the course of the Company's business,      
including, but not limited to, in connection with its activities as an insurer, 
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 or provide reasonable
ranges of potential losses of all pending investigations and legal proceedings. 
In some of the matters referred to previously, very large and/or indeterminate  
amounts, including punitive and treble damages, are sought. Although in light of
these considerations it is possible that an adverse outcome in certain cases    
could have a material adverse 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 adverse 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,    
                                                                     -----------
                                                                     2010   2009
                                                                     ----   ----
                                                                         (IN    
                                                                      MILLIONS) 
                                                                                
Other Assets:                                                                   
  Premium tax offset for future undiscounted assessments...........   $42    $40
  Premium tax offsets currently available for paid assessments.....     7      8
                                                                      ---    ---
                                                                      $49    $48
                                                                      ===    ===
Other Liabilities:                                                              
  Insolvency assessments...........................................   $63    $60
                                                                      ===    ===


   Net assessments levied against the Company were $3 million and $2 million
for the years ended December 31, 2010 and 2008, respectively. Net assessments   
levied against the Company were insignificant for the year ended December 31,   
2009.                                                                           

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

COMMITMENTS                                                                     

LEASES                                                                      

    In accordance with industry practice, certain of the Company's income from
lease agreements with retail tenants are contingent upon the level of the       
tenants' revenues. Additionally, the Company, as lessee, has entered into       
various lease and sublease agreements for office space, information technology  
and other equipment. Future minimum rental and sublease income, and minimum     
gross rental payments relating to these lease agreements are as follows:        

                                                        [Enlarge/Download Table]

                                                                                GROSS 
                                                          RENTAL   SUBLEASE    RENTAL 
                                                          INCOME    INCOME    PAYMENTS
                                                          ------   --------   --------
                                                                  (IN MILLIONS)       
                                                                                      
2011.....................................................  $359       $15       $192  
2012.....................................................  $310       $14       $167  
2013.....................................................  $273       $13       $155  
2014.....................................................  $232       $10       $116  
2015.....................................................  $184       $ 6       $106  
Thereafter...............................................  $461       $44       $909  

     During 2008, MetLife, Inc. moved certain of its operations in New York from
Long Island City, Queens to Manhattan. As a result of this movement of          
operations and current market conditions, which precluded the immediate and     
complete sublet of all unused space in both Long Island City and Manhattan, the 
Company incurred a lease impairment charge of $38 million which is included     
within other expenses in Corporate & Other. The impairment charge was determined
based upon the present value of the gross rental payments less sublease income  
discounted at a risk-adjusted rate over the remaining lease terms which range   
from 15-20 years. The Company has made assumptions with respect to the timing   
and amount of future sublease income in the determination of this impairment    
charge. During 2009, pending sublease deals were impacted by the further decline
of market conditions, which resulted in an additional lease impairment charge of
$52 million. See Note 16 for discussion of $28 million of such charges related  
to restructuring. Additional impairment charges could be incurred should market 
conditions deteriorate further or last for a period significantly longer than   
anticipated.                                                                    

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 $2.4 billion 
and $2.6 billion at December 31, 2010 and 2009, 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 $2.5 billion and $1.3 billion at
December 31, 2010 and 2009, respectively.                                       

  COMMITMENTS TO FUND BANK CREDIT FACILITIES, BRIDGE LOANS AND PRIVATE CORPORATE
BOND INVESTMENTS                                                            

The Company commits to lend funds under bank credit facilities, bridge
loans and private corporate bond investments. The amounts of these unfunded     
commitments were $1,997 million and $763 million at December 31, 2010 and 2009, 
respectively.                                                                   

GUARANTEES                                                                      

In the normal course of its business, the Company has provided certain
indemnities, guarantees and commitments to third parties pursuant to which it   
may be required to make payments now or in the future. In                       

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

the context of acquisition, disposition, investment and other transactions, the 
Company has provided indemnities and guarantees, including those related to tax,
environmental and other specific liabilities and other indemnities and          
guarantees that are triggered by, among other things, breaches of               
representations, warranties or covenants provided by the Company. In addition,  
in the normal course of business, the Company provides indemnifications to      
counterparties in contracts with triggers similar to the foregoing, as well as  
for certain other liabilities, such as third-party lawsuits. These obligations  
are often subject to time limitations that vary in duration, including          
contractual limitations and those that arise by operation of law, such as       
applicable statutes of limitation. In some cases, the maximum potential         
obligation under the indemnities and guarantees is subject to a contractual     
limitation ranging from less than $1 million to $800 million, with a cumulative 
maximum of $1.1 billion, 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.                                                      

 During the year ended December 31, 2010, the Company did not record any
additional liabilities for indemnities, guarantees and commitments. The         
Company's recorded liabilities were $3 million at both December 31, 2010 and    
2009, for indemnities, guarantees and commitments.                              

14.  EMPLOYEE BENEFIT PLANS                                                     

PENSION AND OTHER POSTRETIREMENT BENEFIT PLANS                              

  The Company sponsors and administers various qualified and non-qualified
defined benefit pension plans and other postretirement employee benefit plans   
covering employees and sales representatives who meet specified eligibility     
requirements. Pension benefits are provided utilizing either a traditional      
formula or cash balance formula. The traditional formula provides benefits based
upon years of credited service and final average earnings. The cash balance     
formula utilizes hypothetical or notional accounts which credit participants    
with benefits equal to a percentage of eligible pay, as well as earnings        
credits, determined annually based upon the average annual rate of interest on  
30-year U.S. Treasury securities, for each account balance. At December 31,     
2010, the majority of active participants were accruing benefits under the cash 
balance formula; however, approximately 90% of the Company's obligations result 
from benefits calculated with the traditional formula. The non-qualified pension
plans provide supplemental benefits in excess of limits applicable to a         
qualified plan. The Company's proportionate share of net pension expense related
to its sponsored pension plans was $309 million and $355 million for the years  
ended December 31, 2010 and 2009, respectively.                                 

The Company also provides certain postemployment benefits and certain 
postretirement medical and life insurance benefits for retired employees.       
Employees of the Company who were hired prior to 2003 (or, in certain cases,    
rehired during or after 2003) and meet age and service criteria while working   
for the Company may become eligible for these other postretirement benefits, at 
various levels, in accordance with the applicable plans. Virtually all retirees,
or their beneficiaries, contribute a portion of the total costs of              
postretirement medical benefits. Employees hired after 2003 are not eligible for
any employer subsidy for postretirement medical benefits. The Company's         
proportionate share of net other postretirement expense related to its sponsored
other postretirement was less than $1 million and $70 million for the years     
ended December 31, 2010 and 2009, respectively.                                 

 A December 31 measurement date is used for all of the Company's defined
benefit pension and other postretirement benefit plans.                         

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

OBLIGATIONS, FUNDED STATUS AND NET PERIODIC BENEFIT COSTS                   

                                                        [Enlarge/Download Table]

                                                                           OTHER      
                                                        PENSION        POSTRETIREMENT 
                                                        BENEFITS          BENEFITS    
                                                    ---------------   --------------- 
                                                               DECEMBER 31,           
                                                    --------------------------------- 
                                                     2010     2009     2010     2009  
                                                    ------   ------   ------   ------ 
                                                              (IN MILLIONS)           
                                                                                      
Change in benefit obligation:                                                         
Benefit obligation at January 1,................... $6,287   $5,993   $1,829   $1,616 
  Service costs....................................    150      147       17       22 
  Interest costs...................................    375      374      111      123 
  Plan participants' contributions.................     --       --       33       30 
  Net actuarial (gains) losses.....................    277      393       68      350 
  Settlements and curtailments.....................      6       12       --       -- 
  Change in benefits...............................     --       (7)     (81)    (167)
  Net transfer in (out) of controlled group........     --     (251)     (17)      -- 
  Prescription drug subsidy........................     --       --       12       12 
  Benefits paid....................................   (405)    (374)    (153)    (157)
                                                    ------   ------   ------   ------ 
Benefit obligation at December 31,.................  6,690    6,287    1,819    1,829 
                                                    ------   ------   ------   ------ 
Change in plan assets:                                                                
Fair value of plan assets at January 1,............  5,419    5,516    1,118    1,010 
  Actual return on plan assets.....................    673      486       98      135 
  Plan participants' contributions.................     --       --       33        2 
  Employer contribution............................    289       57       87        4 
  Net transfer in (out) of controlled group........     --     (266)     (12)      -- 
  Benefits paid....................................   (405)    (374)    (140)     (33)
                                                    ------   ------   ------   ------ 
  Fair value of plan assets at December 31,........  5,976    5,419    1,184    1,118 
                                                    ------   ------   ------   ------ 
Funded status at December 31,...................... $ (714)  $ (868)  $ (635)  $ (711)
                                                    ======   ======   ======   ====== 
Amounts recognized in the consolidated balance                                        
  sheets consist of:                                                                  
  Other assets..................................... $  107   $   --   $   --   $   -- 
  Other liabilities................................   (821)    (868)    (635)    (711)
                                                    ------   ------   ------   ------ 
     Net amount recognized......................... $ (714)  $ (868)  $ (635)  $ (711)
                                                    ======   ======   ======   ====== 
Accumulated other comprehensive (income) loss:                                        
  Net actuarial losses............................. $2,058   $2,226   $  399   $  388 
  Prior service costs (credit).....................     16       22     (287)    (289)
                                                    ------   ------   ------   ------ 
     Accumulated other comprehensive (income)                                         
       loss........................................  2,074    2,248      112       99 
Deferred income tax (benefit)......................   (717)    (786)     (40)     (34)
                                                    ------   ------   ------   ------ 
  Accumulated other comprehensive (income) loss,                                      
     net of income tax............................. $1,357   $1,462   $   72   $   65 
                                                    ======   ======   ======   ====== 


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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     The aggregate projected benefit obligation and aggregate fair value of plan
assets for the pension benefit plans were as follows:                           

                                                        [Enlarge/Download Table]

                                                            NON-QUALIFIED                      
                                        QUALIFIED PLAN           PLAN               TOTAL      
                                       ---------------     ---------------     --------------- 
                                                             DECEMBER 31,                      
                                       ------------------------------------------------------- 
                                        2010     2009       2010      2009      2010     2009  
                                       ------   ------     -----     -----     ------   ------ 
                                                            (IN MILLIONS)                      
                                                                                               
Aggregate fair value of plan assets... $5,976   $5,419     $  --     $  --     $5,976   $5,419 
Aggregate projected benefit                                                                    
  obligation..........................  5,869    5,500       821       787      6,690    6,287 
                                       ------   ------     -----     -----     ------   ------ 
Over (under) funded................... $  107   $  (81)    $(821)    $(787)    $ (714)  $ (868)
                                       ======   ======     =====     =====     ======   ====== 


   The accumulated benefit obligations for all defined benefit pension plans
were $6,393 million and $5,941 million at December 31, 2010 and 2009,           
respectively.                                                                   

 The aggregate pension accumulated benefit obligation and aggregate fair
value of plan assets for pension benefit plans with accumulated benefit         
obligations in excess of plan assets was as follows:                            

                                                                [Download Table]

                                                                      DECEMBER 
                                                                        31,    
                                                                    -----------
                                                                    2010   2009
                                                                    ----   ----
                                                                        (IN    
                                                                     MILLIONS) 
                                                                               
Projected benefit obligation......................................  $821   $787
Accumulated benefit obligation....................................  $748   $703
Fair value of plan assets.........................................  $ --   $ --

Information for pension and other postretirement benefit plans with a 
projected benefit obligation in excess of plan assets were as follows:          

                                                                [Download Table]

                                                                          OTHER     
                                                        PENSION       POSTRETIREMENT
                                                        BENEFITS         BENEFITS   
                                                     -------------   ---------------
                                                               DECEMBER 31,         
                                                     -------------------------------
                                                     2010    2009     2010     2009 
                                                     ----   ------   ------   ------
                                                              (IN MILLIONS)         
                                                                                    
Projected benefit obligation........................ $821   $6,254   $1,819   $1,829
Fair value of plan assets........................... $ --   $5,400   $1,184   $1,118

  Net periodic pension costs and net periodic other postretirement benefit
plan costs are comprised of the following:                                      

i)  Service Costs -- Service costs are the increase in the projected  
       (expected) pension benefit obligation resulting from benefits payable
    to employees of the Company on service rendered during the current
year.                                                         

  ii) Interest Costs on the Liability -- Interest costs are the time value
      adjustment on the projected (expected) pension benefit obligation at
the end of each year.                                         

    iii) Settlement and Curtailment Costs -- The aggregate amount of net gains
        (losses) recognized in net periodic benefit costs due to settlements
and curtailments. Settlements result from actions that      
          relieve/eliminate the plan's responsibility for benefit obligations or
risks associated with the obligations or assets used for the
    settlement. Curtailments result from an event that significantly
  reduces/eliminates plan participants' expected years of future
services or benefit accruals.                               

     iv) Expected Return on Plan Assets -- Expected return on plan assets is the
assumed return earned by the accumulated pension and other    
postretirement fund assets in a particular year.              

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

 v)  Amortization of Net Actuarial Gains (Losses) -- Actuarial gains and
      losses result from differences between the actual experience and the
        expected experience on pension and other postretirement plan assets or
     projected (expected) pension benefit obligation during a particular
        period. These gains and losses are accumulated and, to the extent they
        exceed 10% of the greater of the PBO or the fair value of plan assets,
       the excess is amortized into pension and other postretirement benefit
costs over the expected service years of the employees.       

        vi) Amortization of Prior Service Costs -- These costs relate to the
      recognition of increases or decreases in pension and other
           postretirement benefit obligation due to amendments in plans or
    initiation of new plans. These increases or decreases in
        obligation are recognized in accumulated other comprehensive
            income (loss) at the time of the amendment. These costs are then
            amortized to pension and other postretirement benefit costs over
       the expected service years of the employees affected by the
change.                                             

The components of net periodic benefit costs and other changes in plan
assets and benefit obligations recognized in other comprehensive income (loss)  
were as follows:                                                                

                                                        [Enlarge/Download Table]

                                                                            OTHER        
                                                                        POSTRETIREMENT   
                                               PENSION BENEFITS            BENEFITS      
                                            ----------------------   ------------------- 
                                                      YEARS ENDED DECEMBER 31,           
                                            -------------------------------------------- 
                                             2010    2009    2008    2010    2009   2008 
                                            -----   -----   ------   ----   -----   ---- 
                                                            (IN MILLIONS)                
                                                                                         
Net Periodic Benefit Costs:                                                              
  Service costs............................ $ 150   $ 147   $  159   $ 17   $  22   $ 20 
  Interest costs...........................   375     374      375    111     123    101 
  Settlement and curtailment costs.........     8      18       --     --      --     -- 
  Expected return on plan assets...........  (422)   (414)    (517)   (79)    (74)   (88)
  Amortization of net actuarial (gains)                                                  
     losses................................   192     223       24     38      43     -- 
  Amortization of prior service costs                                                    
     (credit)..............................     6       8       15    (83)    (36)   (36)
                                            -----   -----   ------   ----   -----   ---- 
       Total net periodic benefit costs....   309     356       56      4      78     (3)
                                            -----   -----   ------   ----   -----   ---- 
Other Changes in Plan Assets and Benefit                                                 
  Obligations                                                                            
  Recognized in Other Comprehensive Income                                               
     (Loss):                                                                             
  Net actuarial (gains) losses.............    24     251    1,563     49     284    258 
  Prior service costs (credit).............    --     (12)     (19)   (81)   (167)    37 
  Amortization of net actuarial gains                                                    
     (losses)..............................  (192)   (223)     (24)   (38)    (43)    -- 
  Amortization of prior service (costs)                                                  
     credit................................    (6)     (8)     (15)    83      36     36 
                                            -----   -----   ------   ----   -----   ---- 
     Total recognized in other                                                           
       comprehensive income (loss).........  (174)      8    1,505     13     110    331 
                                            -----   -----   ------   ----   -----   ---- 
       Total recognized in net periodic                                                  
          benefit costs and other                                                        
          comprehensive income (loss)...... $ 135   $ 364   $1,561   $ 17   $ 188   $328 
                                            =====   =====   ======   ====   =====   ==== 


   For the year ended December 31, 2010, included within other comprehensive
income (loss) were other changes in plan assets and benefit obligations         
associated with pension benefits of ($174) million and other postretirement     
benefits of $13 million for an aggregate reduction in other comprehensive income
(loss) of ($161) million before income tax and ($98) million, net of income tax.

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     The estimated net actuarial (gains) losses and prior service costs (credit)
for the pension plans that will be amortized from accumulated other             
comprehensive income (loss) into net periodic benefit costs over the next year  
are $171 million and $5 million, respectively.                                  

     The estimated net actuarial (gains) losses and prior service costs (credit)
for the defined benefit other postretirement benefit plans that will be         
amortized from accumulated other comprehensive income (loss) into net periodic  
benefit costs over the next year are $34 million and ($108) million,            
respectively.                                                                   

The Medicare Modernization Act of 2003 created various subsidies for  
sponsors of retiree drug programs. Two common ways of providing subsidies were  
the Retiree Drug Subsidy ("RDS") and Medicare Part D Prescription Drug Plans    
("PDP"). From 2006 through 2010, the Company applied for and received the RDS   
each year. The RDS program provides the subsidy through cash payments made by   
Medicare to the Company, resulting in smaller net claims paid by the Company. A 
summary of the reduction to the APBO and the related reduction to the components
of net periodic other postretirement benefits plan costs resulting from receipt 
of the RDS is presented below. As of January 1, 2011, as a result of changes    
made under the Patient Protection and Affordable Care Act of 2010, the Company  
will no longer apply for the RDS. Instead it has joined PDP and will indirectly 
receive Medicare subsidies in the form of smaller gross benefit payments for    
prescription drug coverage.                                                     

                                                                [Download Table]

                                                                 DECEMBER 31,    
                                                             ------------------- 
                                                              2010   2009   2008 
                                                             -----   ----   ---- 
                                                                (IN MILLIONS)    
                                                                                 
Cumulative reduction in other postretirement benefits                            
  obligations:                                                                   
  Balance at January 1,..................................... $ 247   $317   $299 
  Service costs.............................................     3      2      5 
  Interest costs............................................    16     16     20 
  Net actuarial gains (losses)..............................  (255)   (76)     3 
  Prescription drug subsidy.................................   (11)   (12)   (10)
                                                             -----   ----   ---- 
     Balance at December 31,................................ $  --   $247   $317 
                                                             =====   ====   ==== 


                                                        [Enlarge/Download Table]

                                                             YEARS ENDED DECEMBER 31,
                                                             ------------------------
                                                             2010      2009      2008
                                                             ----      ----      ----
                                                                   (IN MILLIONS)     
                                                                                     
Reduction in net periodic other postretirement benefit                               
  costs:                                                                             
  Service costs.............................................  $ 3       $ 2       $ 5
  Interest costs............................................   16        16        20
  Amortization of net actuarial gains (losses)..............   10        11        --
                                                              ---       ---       ---
     Total reduction in net periodic benefit costs..........  $29       $29       $25
                                                              ===       ===       ===


   The Company received subsidies of $8 million, $12 million and $12 million
for the years ended December 31, 2010, 2009 and 2008, respectively.             

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

ASSUMPTIONS                                                                     

Assumptions used in determining benefit obligations were as follows:  

                                                                [Download Table]

                                                                           OTHER    
                                                                        POSTRETIRE- 
                                                                            MENT    
                                                  PENSION BENEFITS        BENEFITS  
                                               ---------------------   -------------
                                                            DECEMBER 31,            
                                               -------------------------------------
                                                  2010        2009      2010    2009
                                               ---------   ---------   -----   -----
                                                             (IN MILLIONS)          
                                                                                    
Weighted average discount rate................     5.80%       6.25%   5.80%   6.25%
Rate of compensation increase................. 3.5%-7.5%   2.0%-7.5%     N/A     N/A

     Assumptions used in determining net periodic benefit costs were as follows:

                                                        [Enlarge/Download Table]

                                                                             OTHER        
                                                                         POSTRETIREMENT   
                                           PENSION BENEFITS                 BENEFITS      
                                   -------------------------------   ---------------------
                                                         DECEMBER 31,                     
                                   -------------------------------------------------------
                                      2010        2009       2008     2010    2009    2008
                                   ---------   ---------   -------   -----   -----   -----
                                                        (IN MILLIONS)                     
                                                                                          
Weighted average discount rate...      6.25%       6.60%     6.65%   6.25%   6.60%   6.65%
Weighted average expected rate of                                                         
  return on plan assets..........      8.00%       8.25%     8.25%   7.20%   7.36%   7.33%
Rate of compensation increase....  3.5%-7.5%   3.5%-7.5%   3.5%-8%     N/A     N/A     N/A

The weighted average discount rate is determined annually based on the
yield, measured on a yield to worst basis, of a hypothetical portfolio          
constructed of high quality debt instruments available on the valuation date,   
which would provide the necessary future cash flows to pay the aggregate        
projected benefit obligation when due.                                          

 The weighted average expected rate of return on plan assets is based on
anticipated performance of the various asset sectors in which the plan invests, 
weighted by target allocation percentages. Anticipated future performance is    
based on long-term historical returns of the plan assets by sector, adjusted for
the Company's long-term expectations on the performance of the markets. While   
the precise expected return derived using this approach will fluctuate from year
to year, the Company's policy is to hold this long-term assumption constant as  
long as it remains within reasonable tolerance from the derived rate.           

    The weighted average expected return on plan assets for use in that plan's
valuation in 2011 is currently anticipated to be 7.25% for pension benefits and 
postretirement medical benefits and 5.25% for postretirement life benefits.     

     The assumed healthcare costs trend rates used in measuring the APBO and net
periodic benefit costs were as follows:                                         

                                                        [Enlarge/Download Table]

                                                          DECEMBER 31,                         
                                ---------------------------------------------------------------
                                             2010                             2009             
                                ------------------------------   ------------------------------
                                                         (IN MILLIONS)                         
                                                                                               
Pre-and Post-Medicare eligible  7.8% in 2011, gradually          8.2% in 2010, gradually       
  claims......................  decreasing each year until       decreasing each year until    
                                2083 reaching the ultimate       2079 reaching the ultimate    
                                rate of 4.4%.                    rate of 4.1%.                 

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

   Assumed healthcare costs trend rates may have a significant effect on the
amounts reported for healthcare plans. A one-percentage point change in assumed 
healthcare costs trend rates would have the following effects:                  

                                                        [Enlarge/Download Table]

                                                            ONE PERCENT   ONE PERCENT
                                                              INCREASE      DECREASE 
                                                            -----------   -----------
                                                                  (IN MILLIONS)      
                                                                                     
Effect on total of service and interest costs components...     $ 8          $  (8)  
Effect of accumulated postretirement benefit obligation....     $86          $(104)  

PLAN ASSETS                                                                 

The Company has issued group annuity and life insurance contracts     
supporting the pension and other postretirement benefit plan assets, which are  
invested primarily in separate accounts.                                        

     The underlying assets of the separate accounts are principally comprised of
cash and cash equivalents, short term investments, fixed maturity and equity    
securities, mutual funds, real estate, private equity investments and hedge     
funds investments.                                                              

    The comparative presentation of the 2009 plan assets has been realigned to
conform to the 2010 presentation to disclose the estimated fair value of the    
underlying assets of each separate account at the security level.               

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The pension and postretirement plan assets and liabilities measured at
estimated fair value on a recurring basis were determined as described below.   
These estimated fair values and their corresponding placement in the fair value 
hierarchy are summarized as follows:                                            

                                                        [Enlarge/Download Table]

                                                                   DECEMBER 31, 2010                                       
                            -----------------------------------------------------------------------------------------------
                                              PENSION BENEFITS                           OTHER POSTRETIREMENT BENEFITS     
                            ----------------------------------------------------   ----------------------------------------
                                   FAIR VALUE MEASUREMENTS AT                             FAIR VALUE MEASUREMENTS AT       
                                      REPORTING DATE USING                                   REPORTING DATE USING          
                            ----------------------------------------               ----------------------------------------
                               QUOTED                                                 QUOTED                               
                               PRICES                                                 PRICES                               
                             IN ACTIVE                                              IN ACTIVE                              
                              MARKETS                                                MARKETS                               
                                FOR       SIGNIFICANT                                  FOR       SIGNIFICANT               
                             IDENTICAL       OTHER       SIGNIFICANT     TOTAL      IDENTICAL       OTHER       SIGNIFICANT
                             ASSETS AND    OBSERVABLE   UNOBSERVABLE   ESTIMATED    ASSETS AND    OBSERVABLE   UNOBSERVABLE
                            LIABILITIES      INPUTS        INPUTS         FAIR     LIABILITIES      INPUTS        INPUTS   
                             (LEVEL 1)     (LEVEL 2)      (LEVEL 3)      VALUE      (LEVEL 1)     (LEVEL 2)      (LEVEL 3) 
                            -----------   -----------   ------------   ---------   -----------   -----------   ------------
                                                                     (IN MILLIONS)                                         
                                                                                                                           
ASSETS                                                                                                                     
Fixed maturity securities:                                                                                                 
  Corporate................    $   --        $1,444         $ 45         $1,489        $ --          $ 67           $ 4    
  Federal agencies.........        --           165           --            165          --            15            --    
  Foreign bonds............        --           138            4            142          --             3            --    
  Municipals...............        --           129           --            129          --            37             1    
  Preferred stocks.........        --             4           --              4          --            --            --    
  U.S. government bonds....       614           129           --            743          82            --            --    
                               ------        ------         ----         ------        ----          ----           ---    
     Total fixed maturity                                                                                                  
       securities..........       614         2,009           49          2,672          82           122             5    
                               ------        ------         ----         ------        ----          ----           ---    
Equity securities:                                                                                                         
  Common                                                                                                                   
     stock -- domestic.....     1,329            88          228          1,645         359             3            --    
  Common stock -- foreign..       436            --           --            436          77            --            --    
                               ------        ------         ----         ------        ----          ----           ---    
     Total equity                                                                                                          
       securities..........     1,765            88          228          2,081         436             3            --    
                               ------        ------         ----         ------        ----          ----           ---    
Money market securities....       189            95           --            284           1             1            --    
Pass-through securities....        --           303            2            305          --            73             6    
Derivative securities......         2            (4)          (1)            (3)         --            --            --    
Short-term investments.....       (10)           96           --             86           8           443            --    
Other invested assets......        --            59          446            505          --            --            --    
Other receivables..........        --            37           --             37          --             3            --    
Securities receivable......        --            66           --             66          --             2            --    
                               ------        ------         ----         ------        ----          ----           ---    
       Total assets........    $2,560        $2,749         $724         $6,033        $527          $647           $11    
                               ======        ======         ====         ======        ====          ====           ===    
LIABILITIES                                                                                                                
Securities payable.........    $   --        $   57         $ --         $   57        $ --          $  1           $--    
                               ------        ------         ----         ------        ----          ----           ---    
       Total liabilities...    $   --        $   57         $ --         $   57        $ --          $  1           $--    
                               ======        ======         ====         ======        ====          ====           ===    
          Total assets and                                                                                                 
            liabilities....    $2,560        $2,692         $724         $5,976        $527          $646           $11    
                               ======        ======         ====         ======        ====          ====           ===    


                             DECEMBER                                                                                      
                             31, 2010                                                                                      
                            ---------                                                                                      
                              OTHER                                                                                        
                             POSTRE-                                                                                       
                             TIREMENT                                                                                      
                             BENEFITS                                                                                      
                            ---------                                                                                      
                              TOTAL                                                                                        
                            ESTIMATED                                                                                      
                               FAIR                                                                                        
                              VALUE                                                                                        
                            ---------                                                                                      
                               (IN                                                                                         
                            MILLIONS)                                                                                      
                                                                                                                           
ASSETS                                                                                                                     
Fixed maturity securities:                                                                                                 
  Corporate................   $   71                                                                                       
  Federal agencies.........       15                                                                                       
  Foreign bonds............        3                                                                                       
  Municipals...............       38                                                                                       
  Preferred stocks.........       --                                                                                       
  U.S. government bonds....       82                                                                                       
                              ------                                                                                       
     Total fixed maturity                                                                                                  
       securities..........      209                                                                                       
                              ------                                                                                       
Equity securities:                                                                                                         
  Common                                                                                                                   
     stock -- domestic.....      362                                                                                       
  Common stock -- foreign..       77                                                                                       
                              ------                                                                                       
     Total equity                                                                                                          
       securities..........      439                                                                                       
                              ------                                                                                       
Money market securities....        2                                                                                       
Pass-through securities....       79                                                                                       
Derivative securities......       --                                                                                       
Short-term investments.....      451                                                                                       
Other invested assets......       --                                                                                       
Other receivables..........        3                                                                                       
Securities receivable......        2                                                                                       
                              ------                                                                                       
       Total assets........   $1,185                                                                                       
                              ======                                                                                       
LIABILITIES                                                                                                                
Securities payable.........   $    1                                                                                       
                              ------                                                                                       
       Total liabilities...   $    1                                                                                       
                              ======                                                                                       
          Total assets and                                                                                                 
            liabilities....   $1,184                                                                                       
                              ======                                                                                       


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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                                  DECEMBER 31, 2009                                     
                             -------------------------------------------------------------------------------------------
                                              PENSION BENEFITS                         OTHER POSTRETIREMENT BENEFITS    
                             --------------------------------------------------   --------------------------------------
                                   FAIR VALUE MEASUREMENTS AT                           FAIR VALUE MEASUREMENTS AT      
                                      REPORTING DATE USING                                 REPORTING DATE USING         
                             --------------------------------------               --------------------------------------
                               QUOTED                                               QUOTED                              
                               PRICES                                               PRICES                              
                             IN ACTIVE                                            IN ACTIVE                             
                              MARKETS    SIGNIFICANT                               MARKETS    SIGNIFICANT               
                                FOR         OTHER       SIGNIFICANT     TOTAL        FOR         OTHER       SIGNIFICANT
                             IDENTICAL    OBSERVABLE   UNOBSERVABLE   ESTIMATED   IDENTICAL    OBSERVABLE   UNOBSERVABLE
                               ASSETS       INPUTS        INPUTS         FAIR       ASSETS       INPUTS        INPUTS   
                             (LEVEL 1)    (LEVEL 2)      (LEVEL 3)      VALUE     (LEVEL 1)    (LEVEL 2)      (LEVEL 3) 
                             ---------   -----------   ------------   ---------   ---------   -----------   ------------
                                                                    (IN MILLIONS)                                       
                                                                                                                        
ASSETS                                                                                                                  
Fixed maturity securities:                                                                                              
  Corporate.................   $   --       $1,385         $ 64         $1,449       $ --         $ 48          $ --    
  Federal agencies..........      (39)         133           --             94         --           30            --    
  Foreign bonds.............       --          138            5            143         --            3            --    
  Municipals................       --           53           --             53         --           21            --    
  Preferred stocks..........       --            2           --              2         --           --            --    
  U.S. government bonds.....      303           48           --            351         45           --            --    
  U.S. treasury notes.......       --           --           --             --         12           --            --    
                               ------       ------         ----         ------       ----         ----          ----    
     Total fixed maturity                                                                                               
       securities...........      264        1,759           69          2,092         57          102            --    
                               ------       ------         ----         ------       ----         ----          ----    
Equity securities:                                                                                                      
  Common stock -- domestic..    1,487          227          229          1,943        342            6            --    
  Common stock -- foreign...      372           --           --            372         72           --            --    
                               ------       ------         ----         ------       ----         ----          ----    
     Total equity                                                                                                       
       securities...........    1,859          227          229          2,315        414            6            --    
                               ------       ------         ----         ------       ----         ----          ----    
Money market securities.....       69           54           --            123         12            1            --    
Pass-through securities.....        1          357           66            424         --           75             9    
Derivative securities.......        2           --           --              2         --           --            --    
Short-term investments......       --          109           --            109         --          442            --    
Other invested assets.......       --           --          354            354         --           --            --    
                               ------       ------         ----         ------       ----         ----          ----    
       Total assets.........   $2,195       $2,506         $718         $5,419       $483         $626           $ 9    
                               ======       ======         ====         ======       ====         ====          ====    


                              DECEMBER                                                                                  
                              31, 2009                                                                                  
                             ---------                                                                                  
                               OTHER                                                                                    
                              POSTRE-                                                                                   
                              TIREMENT                                                                                  
                              BENEFITS                                                                                  
                             ---------                                                                                  
                               TOTAL                                                                                    
                             ESTIMATED                                                                                  
                                FAIR                                                                                    
                               VALUE                                                                                    
                             ---------                                                                                  
                                (IN                                                                                     
                             MILLIONS)                                                                                  
                                                                                                                        
ASSETS                                                                                                                  
Fixed maturity securities:                                                                                              
  Corporate.................   $   48                                                                                   
  Federal agencies..........       30                                                                                   
  Foreign bonds.............        3                                                                                   
  Municipals................       21                                                                                   
  Preferred stocks..........       --                                                                                   
  U.S. government bonds.....       45                                                                                   
  U.S. treasury notes.......       12                                                                                   
                               ------                                                                                   
     Total fixed maturity                                                                                               
       securities...........      159                                                                                   
                               ------                                                                                   
Equity securities:                                                                                                      
  Common stock -- domestic..      348                                                                                   
  Common stock -- foreign...       72                                                                                   
                               ------                                                                                   
     Total equity                                                                                                       
       securities...........      420                                                                                   
                               ------                                                                                   
Money market securities.....       13                                                                                   
Pass-through securities.....       84                                                                                   
Derivative securities.......       --                                                                                   
Short-term investments......      442                                                                                   
Other invested assets.......       --                                                                                   
                               ------                                                                                   
       Total assets.........   $1,118                                                                                   
                               ======                                                                                   


  The pension and other postretirement benefit plan assets are categorized
into the three-level fair value hierarchy, as defined in Note 1, based upon the 
priority of the inputs to the respective valuation technique. The following     
summarizes the types of assets included within the three-level fair value       
hierarchy presented in the table above.                                         

    Level 1   This category includes investments in liquid securities, such as
             cash, short-term money market and bank time deposits, expected to
mature within a year.                               

Level 2  This category includes certain separate accounts that are    
           primarily invested in liquid and readily marketable securities.
           The estimated fair value of such separate account is based upon
            reported NAV provided by fund managers and this value represents
        the amount at which transfers into and out of the respective
          separate account are effected. These separate accounts provide
           reasonable levels of price transparency and can be corroborated
through observable market data.                     

             Certain separate accounts are invested in investment partnerships
             designated as hedge funds. The values for these separate accounts
          is determined monthly based on the NAV of the underlying hedge
             fund investment. Additionally, such hedge funds generally contain
      lock out or other waiting period provisions for redemption
     requests to be filled. While the reporting and redemption
       restrictions may limit the frequency of trading activity in
   separate accounts invested in hedge funds, the reported

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

       NAV, and thus the referenced value of the separate account,
         provides a reasonable level of price transparency that can be
corroborated through observable market data.        

        Directly held investments are primarily invested in U.S. and
foreign government and corporate securities.        

     Level 3  This category includes separate accounts that are invested in real
           estate and private equity investments that provide little or no
    price transparency due to the infrequency with which the
            underlying assets trade and generally require additional time to
       liquidate in an orderly manner. Accordingly, the values for
             separate accounts invested in these alternative asset classes are
  based on inputs that cannot be readily derived from or
corroborated by observable market data.             

   A rollforward of all pension and other postretirement benefit plan assets
measured at estimated fair value on a recurring basis using significant         
unobservable (Level 3) inputs is as follows:                                    

                                                        [Enlarge/Download Table]

                                                     TOTAL                                                                   
                                              REALIZED/UNREALIZED                                                            
                                            GAINS (LOSSES) INCLUDED                                                          
                                                      IN:                                                                    
                                           ------------------------    PURCHASES,                                            
                                                          OTHER          SALES,                                              
                                BALANCE,              COMPREHENSIVE  ISSUANCES AND  TRANSFER INTO  TRANSFER OUT    BALANCE,  
                               JANUARY 1,  EARNINGS   INCOME (LOSS)   SETTLEMENTS      LEVEL 3      OF LEVEL 3   DECEMBER 31,
                               ----------  --------   -------------  -------------  -------------  ------------  ------------
                                                                       (IN MILLIONS)                                         
                                                                                                                             
YEAR ENDED DECEMBER 31, 2010:                                                                                                
PENSION:                                                                                                                     
Fixed maturity securities:                                                                                                   
  Corporate...................    $ 64       $ --          $ 7            $(17)          $ 4           $(13)         $ 45    
  Foreign bonds...............       5         --            1              (2)           --             --             4    
                                  ----       ----          ---            ----           ---           ----          ----    
     Total fixed maturity                                                                                                    
       securities.............      69         --            8             (19)            4            (13)           49    
                                  ----       ----          ---            ----           ---           ----          ----    
Equity securities:                                                                                                           
  Common stock -- domestic....     229         --           (2)              1            --             --           228    
                                  ----       ----          ---            ----           ---           ----          ----    
     Total equity securities..     229         --           (2)              1            --             --           228    
                                  ----       ----          ---            ----           ---           ----          ----    
Pass-through securities.......      66        (11)          13             (67)            2             (1)            2    
Derivative securities.........      --          2           (2)             (1)           --             --            (1)   
Other invested assets.........     354         74           (4)             22            --             --           446    
                                  ----       ----          ---            ----           ---           ----          ----    
       Total pension assets...    $718       $ 65          $13            $(64)          $ 6           $(14)         $724    
                                  ====       ====          ===            ====           ===           ====          ====    
OTHER POSTRETIREMENT:                                                                                                        
Fixed maturity securities:                                                                                                   
  Corporate...................    $ --       $ --          $ 1            $ --           $ 3           $ --          $  4    
  Municipals..................      --         --           --              --             1             --             1    
                                  ----       ----          ---            ----           ---           ----          ----    
     Total fixed maturity                                                                                                    
       securities.............      --         --            1              --             4             --             5    
Pass-through securities.......       9         (4)           1              (1)            1             --             6    
                                  ----       ----          ---            ----           ---           ----          ----    
       Total other                                                                                                           
          postretirement                                                                                                     
          assets..............    $  9       $ (4)         $ 2            $ (1)          $ 5           $ --          $ 11    
                                  ====       ====          ===            ====           ===           ====          ====    
          Total assets........    $727       $ 61          $15            $(65)          $11           $(14)         $735    
                                  ====       ====          ===            ====           ===           ====          ====    


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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                  TOTAL REALIZED/UNREALIZED                                            
                                                   GAINS (LOSSES) INCLUDED                                             
                                                             IN:                                                       
                                                  -------------------------    PURCHASES,                              
                                                                  OTHER          SALES,     TRANSFER INTO              
                                       BALANCE,               COMPREHENSIVE  ISSUANCES AND    AND/OR OUT     BALANCE,  
                                      JANUARY 1,  EARNINGS    INCOME (LOSS)   SETTLEMENTS     OF LEVEL 3   DECEMBER 31,
                                      ----------  --------    -------------  -------------  -------------  ------------
                                                                        (IN MILLIONS)                                  
                                                                                                                       
YEAR ENDED DECEMBER 31, 2009:                                                                                          
PENSION:                                                                                                               
Fixed maturity securities:                                                                                             
  Corporate..........................    $ 54       $ (5)         $  20           $ (3)          $(2)          $ 64    
  Foreign bonds......................       4         (1)             5             (3)           --              5    
                                         ----       ----          -----           ----           ---           ----    
     Total fixed maturity                                                                                              
       securities....................      58         (6)            25             (6)           (2)            69    
                                         ----       ----          -----           ----           ---           ----    
Equity securities:                                                                                                     
  Common stock -- domestic...........     437         --           (220)            12            --            229    
                                         ----       ----          -----           ----           ---           ----    
     Total equity securities.........     437         --           (220)            12            --            229    
                                         ----       ----          -----           ----           ---           ----    
Pass-through securities..............      76         (2)             8            (23)            7             66    
Derivative securities................      38         34            (37)           (35)           --             --    
Other invested assets................     372          4            (56)            34            --            354    
                                         ----       ----          -----           ----           ---           ----    
       Total pension assets..........    $981       $ 30          $(280)          $(18)          $ 5           $718    
                                         ====       ====          =====           ====           ===           ====    
OTHER POSTRETIREMENT:                                                                                                  
Pass-through securities..............    $ 13       $(17)         $  17           $ (4)          $--           $  9    
                                         ----       ----          -----           ----           ---           ----    
       Total other postretirement....    $ 13       $(17)         $  17           $ (4)          $--           $  9    
                                         ====       ====          =====           ====           ===           ====    
          Total assets...............    $994       $ 13          $(263)          $(22)          $ 5           $727    
                                         ====       ====          =====           ====           ===           ====    


  The Company provides employees with benefits under various ERISA benefit
plans. These include qualified pension plans, postretirement medical plans and  
certain retiree life insurance coverage. The assets of the Company's qualified  
pension plans are held in insurance group annuity contracts, and the vast       
majority of the assets of the postretirement medical plan and backing the       
retiree life coverage are held in insurance contracts. All of these contracts   
are issued by the Company and the assets under the contracts are held in        
insurance separate accounts that have been established by the Company. The      
insurance contract provider engages investment management firms ("Managers") to 
serve as sub-advisors for the separate accounts based on the specific investment
needs and requests identified by the plan fiduciary. These Managers have        
portfolio management discretion over the purchasing and selling of securities   
and other investment assets pursuant to the respective investment management    
agreements and guidelines established for each insurance separate account. The  
assets of the qualified pension plans and postretirement medical plans (the     
"Invested Plans") are well diversified across multiple asset categories and     
across a number of different Managers, with the intent of minimizing risk       
concentrations within any given asset category or with any given Manager.       

The Invested Plans, other than those held in participant directed     
investment accounts, are managed in accordance with investment policies         
consistent with the longer-term nature of related benefit obligations and within
prudent risk parameters. Specifically, investment policies are oriented toward  
(i) maximizing the Invested Plan's funded status; (ii) minimizing the volatility
of the Invested Plan's funded status; (iii) generating asset returns that exceed
liability increases; and (iv) targeting rates of return in excess of a custom   
benchmark and industry standards over appropriate reference time periods. These 
goals are expected to be met through identifying appropriate and diversified    
asset classes and allocations, ensuring adequate liquidity to pay benefits and  
expenses when due and controlling the costs of administering and managing the   
Invested Plan's investments. Independent investment consultants are periodically
used to evaluate the investment risk of Invested Plan's assets relative to      
liabilities,                                                                    

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

analyze the economic and portfolio impact of various asset allocations and      
management strategies and to recommend asset allocations.                       

 An international subsidiary sponsors a defined benefit plan that covers
employees and sales representatives who meet specified eligibility requirements.
Pension benefits are provided utilizing either a traditional formula or cash    
balance formula, similar to the U.S. plans discussed above. The investment      
objectives are also similar, subject to local regulations. Generally, the       
international pension plan invests directly in high quality equity and fixed    
maturity securities.                                                            

Derivative contracts may be used to reduce investment risk, to manage 
duration and to replicate the risk/return profile of an asset or asset class.   
Derivatives may not be used to leverage a portfolio in any manner, such as to   
magnify exposure to an asset, asset class, interest rates or any other financial
variable. Derivatives are also prohibited for use in creating exposures to      
securities, currencies, indices or any other financial variable that are        
otherwise restricted.                                                           

    The tables below summarize the actual weighted average allocation by major
asset class for the Invested Plans:                                             

                                                        [Enlarge/Download Table]

                                                                ACTUAL ALLOCATION                         
                                       -------------------------------------------------------------------
                                       DEFINED BENEFIT PLAN   POSTRETIREMENT MEDICAL   POSTRETIREMENT LIFE
                                       --------------------   ----------------------   -------------------
                                                                                                          
YEAR ENDED DECEMBER 31, 2010:                                                                             
ASSET CLASS:                                                                                              
Fixed maturity securities (target                                                                         
  range)..............................       50% to 80%              20% to 50%                 --        
  Corporate...........................              24%                     10%                 --        
  Federal agency......................               3                       2                  --        
  Foreign bonds.......................               3                      --                  --        
  Municipals..........................               2                       5                  --        
  U.S. government bonds...............              12                      11                  --        
                                             ---------               ---------                 ---        
     Total fixed maturity securities..              44%                     28%                 --        
                                             ---------               ---------                 ---        
Equity securities (target range)......        0% to 40%              50% to 80%                 --        
  Common stock -- domestic............              27%                     49%                 --        
  Common stock -- foreign.............               8                      10                  --        
                                             ---------               ---------                 ---        
     Total equity securities..........              35%                     59%                 --        
                                             ---------               ---------                 ---        
Money market securities...............               5%                     --%                 --        
Pass-through securities...............               5                      11                  --        
Short-term investments................               1                       1                 100%       
Other invested assets.................               8                      --                  --        
Other receivables.....................               1                       1                  --        
Securities receivable.................               1                      --                  --        
                                             ---------               ---------                 ---        
       Total assets...................             100%                    100%                100%       
                                             =========               =========                 ===        


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 METROPOLITAN LIFE INSURANCE COMPANY
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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                                ACTUAL ALLOCATION                         
                                       -------------------------------------------------------------------
                                       DEFINED BENEFIT PLAN   POSTRETIREMENT MEDICAL   POSTRETIREMENT LIFE
                                       --------------------   ----------------------   -------------------
                                                                                                          
YEAR ENDED DECEMBER 31, 2009:                                                                             
ASSET CLASS:                                                                                              
Fixed maturity securities (target                                                                         
  range)..............................       35% to 55%              10% to 40%                 --        
  Corporate...........................              26%                      7%                 --        
  Federal agency......................               2                       4                  --        
  Foreign bonds.......................               3                      --                  --        
  Municipals..........................               1                       3                  --        
  U.S. government bonds...............               6                       7                  --        
  U.S. treasury notes.................              --                       2                  --        
                                             ---------               ---------                 ---        
     Total fixed maturity securities..              38%                     23%                 --        
                                             ---------               ---------                 ---        
Equity securities (target range)......       25% to 45%              50% to 80%                 --        
  Common stock -- domestic............              36%                     52%                 --        
  Common stock -- foreign.............               7                      11                  --        
                                             ---------               ---------                 ---        
     Total equity securities..........              43%                     63%                 --        
                                             ---------               ---------                 ---        
Money market securities...............               2%                      2%                 --        
Pass-through securities...............               8                      12                  --        
Short-term investments................               2                      --                 100%       
Other invested assets.................               7                      --                  --        
                                             ---------               ---------                 ---        
       Total assets...................             100%                    100%                100%       
                                             =========               =========                 ===        


   The target ranges in the tables above are forward-looking as of the dates
presented.                                                                      

EXPECTED FUTURE CONTRIBUTIONS AND BENEFIT PAYMENTS                          

     It is the Company's practice to make contributions to the qualified pension
plan to comply with minimum funding requirements of ERISA. In accordance with   
such practice, no contributions were required for both of the years ended       
December 31, 2010 and 2009. No contributions will be required for 2011. The     
Company made discretionary contributions of $219 million to the qualified       
pension plan during the year ended December 31, 2010. The Company made no       
discretionary contributions to the qualified pension plan during the year ended 
December 31, 2009. The Company expects to make additional discretionary         
contributions to the qualified pension plan of $152 million in 2011.            

    Benefit payments due under the non-qualified pension plans are funded from
the Company's general assets as they become due under the provision of the      
plans. These payments totaled $70 million and $57 million for the years ended   
December 31, 2010 and 2009, respectively. These payments are expected to be at  
approximately the same level in 2011.                                           

    Postretirement benefits, other than those provided under qualified pension
plans, are either: (i) not vested under law; (ii) a non-funded obligation of the
Company; or (iii) both. Current regulations do not require funding for these    
benefits. The Company uses its general assets, net of participant's             
contributions, to pay postretirement medical claims as they come due in lieu of 
utilizing any plan assets. Total payments equaled $153 million and $157 million 
for the years ended December 31, 2010 and 2009, respectively.                   

The Company expects to make contributions of $117 million, net of     
participant's contributions, towards benefit obligations (other than those under
qualified pension plans) in 2011. As noted previously, the Subsidiaries no      
longer expect to receive the RDS under the Medicare Modernization Act of 2003 to
partially offset payment of such benefits. Instead, the gross benefit payments  
that will be made under the PDP will already reflect subsidies.                 

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Gross benefit payments for the next ten years, which reflect expected 
future service where appropriate, are expected to be as follows:                

                                                        [Enlarge/Download Table]

                                                                             OTHER    
                                                              PENSION   POSTRETIREMENT
                                                             BENEFITS      BENEFITS   
                                                             --------   --------------
                                                                   (IN MILLIONS)      
                                                                                      
2011........................................................  $  399         $117     
2012........................................................  $  400         $119     
2013........................................................  $  405         $120     
2014........................................................  $  422         $121     
2015........................................................  $  430         $122     
2016-2020...................................................  $2,375         $622     

ADDITIONAL INFORMATION                                                      

     As previously discussed, the assets of the pension and other postretirement
benefit plans are held in group annuity and life insurance contracts issued by  
the Company. Total revenues from these contracts recognized in the consolidated 
statements of operations were $46 million, $42 million and $42 million for the  
years ended December 31, 2010, 2009 and 2008, respectively, and included policy 
charges and net investment income from investments backing the contracts and    
administrative fees. Total investment income (loss), including realized and     
unrealized gains (losses), credited to the account balances was $767 million,   
$689 million and ($1,090) million for the years ended December 31, 2010, 2009   
and 2008, respectively. The terms of these contracts are consistent in all      
material respects with those the Company offers to unaffiliated parties that are
similarly situated.                                                             

SAVINGS AND INVESTMENT PLANS                                                

 The Company sponsors savings and investment plans for substantially all
Company employees under which a portion of employee contributions are matched.  
The Company contributed $72 million, $79 million and $63 million for the years  
ended December 31, 2010, 2009 and 2008, respectively.                           

15.  EQUITY                                                                     

CAPITAL CONTRIBUTIONS                                                       

During the years ended December 31, 2010, 2009 and 2008, MetLife, Inc.
contributed and paid $3 million, $3 million and $4 million, respectively, in the
form of line of credit fees on the Company's behalf.                            

    During the year ended December 31, 2008, in connection with an acquisition
by MetLife, Inc., MetLife, Inc. contributed $9 million to the Company in the    
form of intangible assets and the associated deferred income tax liability, for 
which the Company receives the benefit. See Note 8.                             

STOCK-BASED COMPENSATION PLANS                                              

Overview                                                                    

   The stock-based compensation expense recognized by the Company is related
to awards payable in shares of MetLife, Inc. common stock, or options to        
purchase MetLife, Inc. common stock. The Company does not issue any awards      
payable in its common stock or options to purchase its common stock.            

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Description of Plans for Employees and Agents -- General Terms              

  The MetLife, Inc. 2000 Stock Incentive Plan, as amended (the "2000 Stock
Plan") authorized the granting of awards to employees and agents in the form of 
options to buy shares of MetLife, Inc. common stock ("Stock Options") that      
either qualify as incentive Stock Options under Section 422A of the Code or are 
non-qualified. By December 31, 2009 all awards under the 2000 Stock Plan had    
either vested or been forfeited. No awards were made under the 2000 Stock Plan  
in 2010.                                                                        

 Under the MetLife, Inc. 2005 Stock and Incentive Compensation Plan (the
"2005 Stock Plan"), awards granted to employees and agents may be in the form of
Stock Options, Stock Appreciation Rights, Restricted Stock or Restricted Stock  
Units, Performance Shares or Performance Share Units, Cash-Based Awards and     
Stock-Based Awards (each as defined in the 2005 Stock Plan with reference to    
MetLife, Inc. common stock).                                                    

     The aggregate number of shares authorized for issuance under the 2005 Stock
Plan is 68,000,000, plus those shares available but not utilized under the 2000 
Stock Plan and those shares utilized under the 2000 Stock Plan that are         
recovered due to forfeiture of Stock Options. Each share issued under the 2005  
Stock Plan in connection with a Stock Option or Stock Appreciation Right reduces
the number of shares remaining for issuance under that plan by one, and each    
share issued under the 2005 Stock Plan in connection with awards other than     
Stock Options or Stock Appreciation Rights reduces the number of shares         
remaining for issuance under that plan by 1.179 shares. At December 31, 2010,   
the aggregate number of shares of MetLife, Inc. common stock remaining available
for issuance pursuant to the 2005 Stock Plan was 40,477,451. Stock Option       
exercises and other awards settled in shares are satisfied through the issuance 
of shares held in treasury by MetLife, Inc. or by the issuance of new shares.   

     Of the stock-based compensation for the years ended December 31, 2010, 2009
and 2008, 79%, 88% and 89%, respectively, was allocated to the Company. No      
expense amounts related to stock-based awards to MetLife, Inc. non-management   
directors were allocated to the Company. This allocation represents             
substantially all stock-based compensation recognized in the Company's          
consolidated results of operations. Accordingly, this discussion addresses      
MetLife, Inc.'s practices for recognizing expense for awards under the Incentive
Plans. References to compensation expense in this note refer to the Company's   
allocated portion of that expense. All other references relevant to awards under
the Incentive Plans pertain to all awards under those plans.                    

Compensation expense related to awards under the 2005 Stock Plan is   
recognized based on the number of awards expected to vest, which represents the 
awards granted less expected forfeitures over the life of the award, as         
estimated at the date of grant. Unless a material deviation from the assumed    
forfeiture rate is observed during the term in which the awards are expensed,   
any adjustment necessary to reflect differences in actual experience is         
recognized in the period the award becomes payable or exercisable.              

Compensation expense related to awards under the 2005 Stock Plan is   
principally related to the issuance of Stock Options, Performance Shares and    
Restricted Stock Units. The majority of the awards granted by MetLife, Inc. each
year under the 2005 Stock Plan are made in the first quarter of each year.      

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Compensation Expense Related to Stock-Based Compensation                    

    The components of compensation expense related to stock-based compensation
is as follows:                                                                  

                                                                [Download Table]

                                                            YEARS ENDED DECEMBER
                                                                    31,         
                                                           ---------------------
                                                           2010      2009   2008
                                                           ----      ----   ----
                                                               (IN MILLIONS)    
                                                                                
Stock Options.............................................  $39       $48   $ 44
Performance Shares (1)....................................   19        10     64
Restricted Stock Units....................................    9         3      2
                                                            ---       ---   ----
Total compensation expenses related to the Incentive                            
  Plans...................................................  $67       $61   $110
                                                            ===       ===   ====
Income tax benefits.......................................  $23       $21   $ 38
                                                            ===       ===   ====


--------                                                                        

   (1) Performance Shares expected to vest and the related compensation expenses
 may be further adjusted by the performance factor most likely to be
 achieved, as estimated by management, at the end of the performance
period.                                                           

    At December 31, 2010, the Company's allocated portion of expense for Stock
Options, Performance Shares and Restricted Stock Units was 87%, 65% and 88%,    
respectively.                                                                   

  The following table presents the total unrecognized compensation expense
related to stock-based compensation and the expected weighted average period    
over which these expenses will be recognized at:                                

                                                        [Enlarge/Download Table]

                                                                 DECEMBER 31, 2010       
                                                         --------------------------------
                                                                         WEIGHTED AVERAGE
                                                            EXPENSE           PERIOD     
                                                         -------------   ----------------
                                                         (IN MILLIONS)        (YEARS)    
                                                                                         
Stock Options...........................................      $39              1.73      
Performance Shares......................................      $30              1.74      
Restricted Stock Units..................................      $14              1.87      

Stock Options                                                               

    Stock Options are the contingent right of award holders to purchase shares
of MetLife, Inc. common stock at a stated price for a limited time. All Stock   
Options have an exercise price equal to the closing price of MetLife, Inc.      
common stock reported on the New York Stock Exchange on the date of grant, and  
have a maximum term of ten years. The vast majority of Stock Options granted    
have become or will become exercisable at a rate of one-third of each award on  
each of the first three anniversaries of the grant date. Other Stock Options    
have become or will become exercisable on the third anniversary of the grant    
date. Vesting is subject to continued service, except for employees who are     
retirement eligible and in certain other limited circumstances.                 

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

A summary of the activity related to Stock Options for the year ended 
December 31, 2010 is as follows:                                                

                                                        [Enlarge/Download Table]

                                                                          WEIGHTED                
                                                                          AVERAGE                 
                                                                         REMAINING     AGGREGATE  
                                        SHARES UNDER  WEIGHTED AVERAGE  CONTRACTUAL    INTRINSIC  
                                           OPTION      EXERCISE PRICE       TERM       VALUE (1)  
                                        ------------  ----------------  -----------  -------------
                                                                          (YEARS)    (IN MILLIONS)
                                                                                                  
Outstanding at January 1, 2010.........  30,152,405        $38.51           5.50          $ --    
Granted (2)............................   4,683,144        $35.06                                 
Exercised..............................  (1,742,003)       $29.74                                 
Expired................................    (154,947)       $47.78                                 
Forfeited..............................    (236,268)       $34.64                                 
                                         ----------                                               
Outstanding at December 31, 2010.......  32,702,331        $38.47           5.30          $195    
                                         ==========        ======           ====          ====    
Aggregate number of stock options                                                                 
  expected to vest at December 31,                                                                
  2010.................................  31,930,964        $38.62           5.21          $186    
                                         ==========        ======           ====          ====    
Exercisable at December 31, 2010.......  23,405,998        $40.43           4.00          $ 94    
                                         ==========        ======           ====          ====    


--------                                                                        

  (1) The aggregate intrinsic value was computed using the closing share price
on December 31, 2010 of $44.44 and December 31, 2009 of $35.35, as
applicable.                                                       

 (2) The total fair value of the shares MetLife, Inc. granted on the date of
the grant was $53 million.                                        

   The fair value of Stock Options is estimated on the date of grant using a
binomial lattice model. Significant assumptions used in MetLife, Inc.'s binomial
lattice model, which are further described below, include: expected volatility  
of the price of MetLife, Inc. common stock; risk-free rate of return; expected  
dividend yield on MetLife, Inc. common stock; exercise multiple; and the post-  
vesting termination rate.                                                       

Expected volatility is based upon an analysis of historical prices of 
MetLife, Inc. common stock and call options on that common stock traded on the  
open market. MetLife, Inc. uses a weighted-average of the implied volatility for
publicly traded call options with the longest remaining maturity nearest to the 
money as of each valuation date and the historical volatility, calculated using 
monthly closing prices of MetLife, Inc.'s common stock. MetLife, Inc. chose a   
monthly measurement interval for historical volatility as it believes this      
better depicts the nature of employee option exercise decisions being based on  
longer-term trends in the price of the underlying shares rather than on daily   
price movements.                                                                

 The binomial lattice model used by MetLife, Inc. incorporates different
risk-free rates based on the imputed forward rates for U.S. Treasury Strips for 
each year over the contractual term of the option. The table below presents the 
full range of rates that were used for options granted during the respective    
periods.                                                                        

 Dividend yield is determined based on historical dividend distributions
compared to the price of the underlying common stock as of the valuation date   
and held constant over the life of the Stock Option.                            

The binomial lattice model used by MetLife, Inc. incorporates the     
contractual term of the Stock Options and then factors in expected exercise     
behavior and a post-vesting termination rate, or the rate at which vested       
options are exercised or expire prematurely due to termination of employment, to
derive an expected life. Exercise behavior in the binomial lattice model used by
MetLife, Inc. is expressed using an exercise multiple, which reflects the ratio 
of exercise price to the strike price of Stock Options granted at which holders 
of the Stock Options are expected to exercise. The exercise multiple is derived 
from actual historical exercise activity. The post-vesting termination rate is  
determined from actual historical exercise experience and expiration activity   
under the Incentive Plans.                                                      

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

 The following table presents the weighted average assumptions, with the
exception of risk-free rate, which is expressed as a range, used to determine   
the fair value of Stock Options issued:                                         

                                                        [Enlarge/Download Table]

                                                      YEARS ENDED DECEMBER 31,       
                                              ---------------------------------------
                                                  2010          2009          2008   
                                              -----------   -----------   -----------
                                                                                     
Dividend yield...............................    2.11%         3.15%         1.21%   
Risk-free rate of return..................... 0.35%-5.88%   0.73%-6.67%   1.91%-7.21%
Expected volatility..........................    34.41%        44.39%        24.85%  
Exercise multiple............................     1.75          1.76          1.73   
Post-vesting termination rate................    3.64%         3.70%         3.05%   
Contractual term (years).....................      10            10            10    
Expected life (years)........................      7             6             6     
Weighted average exercise price of stock                                             
  options granted............................    $35.06        $23.61        $59.48  
Weighted average fair value of stock options                                         
  granted....................................    $11.29        $8.37         $17.51  

     MetLife, Inc. deducts 35% of the compensation amount of a Stock Option from
its income on its tax return. The compensation amount is the price of shares on 
the date the Stock Option is exercised less the exercise price of the Stock     
Option. This tax benefit is allocated to the subsidiary of MetLife, Inc. that is
the current or former employer of the associate, or is or was the principle for 
the non-employee insurance agent, who exercised the Stock Option.               

  The following table presents a summary of Stock Option exercise activity
for the:                                                                        

                                                                [Download Table]

                                                           YEARS ENDED DECEMBER 
                                                                    31,         
                                                          ----------------------
                                                          2010       2009   2008
                                                          ----       ----   ----
                                                               (IN MILLIONS)    
                                                                                
Total intrinsic value of stock options exercised.........  $22        $ 1    $36
Cash received from exercise of stock options.............  $52        $ 8    $45
Tax benefit realized from stock options exercised........  $ 8        $--    $13

Performance Shares                                                          

Performance Shares are units that, if they vest, are multiplied by a  
performance factor to produce a number of final Performance Shares which are    
payable in shares of MetLife, Inc. common stock. Performance Shares are         
accounted for as equity awards, but are not credited with dividend-equivalents  
for actual dividends paid on MetLife, Inc. common stock during the performance  
period. Accordingly, the estimated fair value of Performance Shares is based    
upon the closing price of MetLife, Inc. common stock on the date of grant,      
reduced by the present value of estimated dividends to be paid on that stock    
during the performance period.                                                  

    Performance Share awards normally vest in their entirety at the end of the
three-year performance period. Vesting is subject to continued service, except  
for employees who are retirement eligible and in certain other limited          
circumstances. Vested Performance Shares are multiplied by a performance factor 
of 0.0 to 2.0 based largely on MetLife, Inc.'s performance in change in annual  
net operating earnings and total shareholder return over the applicable three-  
year performance period compared to the performance of its competitors. A       
performance factor of 0.94 was applied for the January 1, 2007 -- December 31,  
2009 performance period.                                                        

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  The following table presents a summary of Performance Share activity for
the year ended December 31, 2010:                                               

                                                        [Enlarge/Download Table]

                                                                      WEIGHTED AVERAGE
                                                         PERFORMANCE     GRANT DATE   
                                                            SHARES       FAIR VALUE   
                                                         -----------  ----------------
                                                                                      
Outstanding at January 1, 2010..........................  3,493,435        $38.43     
Granted (1).............................................  1,528,065        $32.24     
Forfeited...............................................    (58,176)       $30.06     
Payable (2).............................................   (807,750)       $60.83     
                                                          ---------                   
Outstanding at December 31, 2010........................  4,155,574        $31.91     
                                                          =========        ======     
Performance Shares expected to vest at December 31,                                   
  2010..................................................  3,972,769        $33.40     
                                                          =========        ======     


--------                                                                        

 (1) The total fair value of the shares MetLife, Inc. granted on the date of
the grant was $49 million.                                        

(2) Includes both shares paid and shares deferred for later payment.      

   Performance Share amounts above represent aggregate initial target awards
and do not reflect potential increases or decreases resulting from the          
performance factor determined after the end of the respective performance       
periods. At December 31, 2010, the three year performance period for the 2008   
Performance Share grants was completed, but the performance factor has not yet  
been calculated. Included in the immediately preceding table are 824,825        
outstanding Performance Shares to which the performance factor will be applied. 

Restricted Stock Units                                                      

    Restricted Stock Units are units that, if they vest, are payable in shares
of MetLife, Inc. common stock. Restricted Stock Units are accounted for as      
equity awards, but are not credited with dividend-equivalents for actual        
dividends paid on MetLife, Inc. common stock during the performance period.     
Accordingly, the estimated fair value of Restricted Stock Units is based upon   
the closing price of MetLife, Inc. common stock on the date of grant, reduced by
the present value of estimated dividends to be paid on that stock during the    
performance period.                                                             

     The vast majority of Restricted Stock Units normally vest in their entirety
on the third anniversary of their grant date. Other Restricted Stock Units      
normally vest in their entirety on the fifth anniversary of their grant date.   
Vesting is subject to continued service, except for employees who are retirement
eligible and in certain other limited circumstances.                            

  The following table presents a summary of Restricted Stock Unit activity
for the year ended December 31, 2010:                                           

                                                        [Enlarge/Download Table]

-------------------------------------------------------------------------------------------
                                                                           WEIGHTED AVERAGE
                                                        RESTRICTED STOCK      GRANT DATE   
                                                              UNITS           FAIR VALUE   
                                                        ----------------   ----------------
                                                                                           
Outstanding at January 1, 2010........................       393,362            $28.05     
Granted (1)...........................................       607,200            $32.32     
Forfeited.............................................       (31,275)           $27.31     
Payable (2)...........................................       (32,115)           $63.32     
                                                             -------                       
Outstanding at December 31, 2010......................       937,172            $29.63     
                                                             =======            ======     
Restricted Stock Units expected to vest at December                                        
  31, 2010............................................       937,172            $29.63     
                                                             =======            ======     


--------                                                                        

 (1) The total fair value of the shares MetLife, Inc. granted on the date of
the grant was $20 million.                                        

(2) Includes both shares paid and shares deferred for later payment.      

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

STATUTORY EQUITY AND INCOME                                                 

Each insurance company's state of domicile imposes minimum risk-based 
capital ("RBC") requirements that were developed by the NAIC. The formulas for  
determining the amount of RBC specify various weighting factors that are applied
to financial balances or various levels of activity based on the perceived      
degree of risk. Regulatory compliance is determined by a ratio of total adjusted
capital, as defined by the NAIC, to authorized control level RBC, as defined by 
the NAIC. Companies below specific trigger points or ratios are classified      
within certain levels, each of which requires specified corrective action.      
Metropolitan Life Insurance Company and each of its U.S. insurance subsidiaries 
exceeded the minimum RBC requirements for all periods presented herein.         

  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. The Department has adopted Statutory Codification 
with certain modifications for the preparation of statutory financial statements
of insurance companies domiciled in New York. Modifications by the various state
insurance departments may impact the effect of Statutory Codification on the    
statutory capital and surplus of Metropolitan Life Insurance Company and its    
insurance subsidiaries.                                                         

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 contracts 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.        
Further, statutory accounting principles do not give recognition to purchase    
accounting adjustments.                                                         

   Statutory net income (loss) of Metropolitan Life Insurance Company, a New
York domiciled insurer, was $2,066 million, $1,221 million and ($338) million   
for the years ended December 31, 2010, 2009 and 2008, respectively. Statutory   
capital and surplus, as filed with the Department, was $13.2 billion and $12.6  
billion at December 31, 2010 and 2009, respectively.                            

DIVIDEND RESTRICTIONS                                                       

    Under New York State Insurance Law, Metropolitan Life Insurance Company is
permitted, without prior insurance regulatory clearance, to pay stockholder     
dividends to MetLife, Inc. as long as the aggregate amount of all such dividends
in any calendar year does not exceed the lesser of: (i) 10% of its surplus to   
policyholders as of the end of the immediately preceding calendar year; or (ii) 
its statutory net gain from operations for the immediately preceding calendar   
year (excluding realized capital gains). Metropolitan Life Insurance Company    
will be permitted to pay a dividend to MetLife, Inc. in excess of the lesser of 
such two amounts only if it files notice of its intention to declare such a     
dividend and the amount thereof with the Superintendent and the Superintendent  
does not disapprove the dividend within 30 days of its filing. Under New York   
State Insurance Law, the Superintendent has broad discretion in determining     
whether the financial condition of a stock life insurance company would support 
the payment of such dividends to its shareholders. The Department has           
established informal guidelines for such determinations. The guidelines, among  
other things, focus on the insurer's overall financial condition and            
profitability under statutory accounting practices. During the year ended       
December 31, 2010, Metropolitan Life Insurance Company paid a dividend of $631  
million, of which $399 million was a transfer of securities. During the year    
ended December 31, 2009, Metropolitan Life Insurance Company did not pay a      
dividend. During the year ended December 31, 2008, Metropolitan Life Insurance  
Company distributed shares of RGA stock to                                      

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

MetLife, Inc. as an in-kind extraordinary dividend of $1,318 million. The       
maximum amount of dividends which Metropolitan Life Insurance Company may pay in
2011 without prior regulatory approval is $1,321 million.                       

     Under Massachusetts State Insurance Law, NELICO is permitted, without prior
insurance regulatory clearance, to pay stockholder dividends to Metropolitan    
Life Insurance Company as long as the amount of such dividends, 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. NELICO will be permitted to pay a dividend 
to Metropolitan Life Insurance Company in excess of the greater of such two     
amounts only if it files notice of its intention to declare such a dividend and 
the amount thereof with the Massachusetts Commissioner of Insurance (the        
"Commissioner") and the Commissioner does not disapprove the payment within 30  
days of its filing. In addition, any dividend that exceeds statutory unassigned 
funds surplus as of the last filed annual statutory statement requires insurance
regulatory approval. During the years ended December 31, 2010, 2009 and 2008,   
NELICO paid a dividend of $84 million, $19 million and $94 million,             
respectively. The maximum amount of dividends which NELICO may pay in 2011      
without prior regulatory approval is $107 million.                              

 For the years ended December 31, 2010, 2009 and 2008, Metropolitan Life
Insurance Company received dividends from non-insurance subsidiaries of $397    
million, $148 million and $48 million, respectively.                            

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

OTHER COMPREHENSIVE INCOME (LOSS)                                           

  The following table sets forth the reclassification adjustments required
for the years ended December 31, 2010, 2009 and 2008 in other comprehensive     
income (loss) that are included as part of net income for the current year that 
have been reported as a part of other comprehensive income (loss) in the current
or prior year:                                                                  

                                                        [Enlarge/Download Table]

                                                           YEARS ENDED DECEMBER 31,   
                                                         ---------------------------- 
                                                           2010      2009      2008   
                                                         -------   -------   -------- 
                                                                 (IN MILLIONS)        
                                                                                      
Holding gains (losses) on investments arising during                                  
  the year.............................................  $ 7,350   $12,267   $(18,334)
Income tax effect of holding gains (losses)............   (2,568)   (4,233)     6,273 
Reclassification adjustments:                                                         
  Recognized holding (gains) losses included in current                               
     year income.......................................      (74)    1,021      1,214 
  Amortization of premiums and accretion of discounts                                 
     associated with investments.......................     (471)     (459)      (504)
Income tax effect......................................      190      (194)      (245)
Allocation of holding (gains) losses on investments                                   
  relating to other policyholder amounts...............   (2,329)   (1,948)     3,592 
Income tax effect of allocation of holding (gains)                                    
  losses to other policyholder amounts.................      814       672     (1,231)
Unrealized investment loss on dividend of interests in                                
  subsidiary...........................................       --        --         88 
Deferred income tax on unrealized investment loss on                                  
  dividend of interests in subsidiary..................       --        --        (46)
                                                         -------   -------   -------- 
Net unrealized investment gains (losses), net of income                               
  tax..................................................    2,912     7,126     (9,193)
Foreign currency translation adjustments, net of income                               
  tax..................................................      (16)      (92)      (247)
Defined benefit plans adjustment, net of income tax....       98       (90)    (1,149)
                                                         -------   -------   -------- 
Other comprehensive income (loss)......................    2,994     6,944    (10,589)
Other comprehensive income (loss) attributable to                                     
  noncontrolling interests.............................       (6)        5         -- 
Other comprehensive income (loss) attributable to                                     
  noncontrolling interests of subsidiary at date of                                   
  dividend of interests in subsidiary..................       --        --        150 
Foreign currency translation adjustments attributable                                 
  to noncontrolling interests of subsidiary at date of                                
  dividend of interests in subsidiary..................       --        --        107 
Defined benefit plans adjustment attributable to                                      
  noncontrolling interests of subsidiary at date of                                   
  dividend of interests in subsidiary..................       --        --         (4)
                                                         -------   -------   -------- 
Other comprehensive income (loss) attributable to                                     
  Metropolitan Life Insurance Company, excluding                                      
  cumulative effect of change in accounting principle..    2,988     6,949    (10,336)
Cumulative effect of change in accounting principle,                                  
  net of income tax expense (benefit) of $6 million,                                  
  ($19) million and $0 (see Note 1)....................       10       (36)        -- 
                                                         -------   -------   -------- 
Other comprehensive income (loss) attributable to                                     
  Metropolitan Life Insurance Company..................  $ 2,998   $ 6,913   $(10,336)
                                                         =======   =======   ======== 


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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

16.  OTHER EXPENSES                                                             

Information on other expenses was as follows:                         

                                                                [Download Table]

                                                          YEARS ENDED DECEMBER 31, 
                                                          ------------------------ 
                                                           2010     2009     2008  
                                                          ------   ------   ------ 
                                                                (IN MILLIONS)      
                                                                                   
Compensation............................................. $2,230   $2,433   $2,482 
Pension, postretirement & postemployment benefit costs...    331      411      108 
Commissions..............................................    651      758      901 
Volume-related costs.....................................    173       36       29 
Affiliated interest costs on ceded reinsurance...........  1,386    1,236    1,072 
Capitalization of DAC....................................   (804)    (857)    (901)
Amortization of DAC and VOBA.............................    950      415    1,081 
Interest expense on debt and debt issue costs............    217      166      192 
Premium taxes, licenses & fees...........................    288      317      275 
Professional services....................................    743      701      740 
Rent, net of sublease income.............................    147      262      264 
Other....................................................    (53)     131      335 
                                                          ------   ------   ------ 
Total other expenses..................................... $6,259   $6,009   $6,578 
                                                          ======   ======   ====== 


CAPITALIZATION OF DAC AND AMORTIZATION OF DAC AND VOBA                      

    See Note 6 for DAC and VOBA by segment and a rollforward of each including
impacts of capitalization and amortization. See also Note 10 for a description  
of the DAC amortization impact associated with the closed block.                

INTEREST EXPENSE ON DEBT AND DEBT ISSUE COSTS                               

    See Note 11 for attribution of interest expense by debt issuance. Interest
expense on debt and debt issue costs includes interest expense related to CSEs  
of $15 million for the year ended December 31, 2010, and $0 for both of the     
years ended December 31, 2009 and 2008. See Note 3.                             

AFFILIATED EXPENSES                                                         

     Commissions, capitalization of DAC and amortization of DAC and VOBA include
the impact of affiliated reinsurance transactions.                              

  See Notes 9, 11 and 19 for discussion of affiliated expenses included in
the table above.                                                                

LEASE IMPAIRMENTS                                                           

See Note 13 for description of lease impairments included within other
expenses.                                                                       

RESTRUCTURING CHARGES                                                       

  In September 2008, MetLife, Inc. began an enterprise-wide cost reduction
and revenue enhancement initiative which is expected to be fully implemented by 
December 31, 2011. This initiative is focused on reducing complexity, leveraging
scale, increasing productivity and improving the effectiveness of MetLife,      
Inc.'s and its subsidiaries' operations, as well as providing a foundation for  
future growth. Estimated restructuring costs may change as management continues 
to execute its restructuring plans. Restructuring charges associated with this  

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

enterprise-wide initiative and allocated to the Company were included in other  
expenses within Corporate & Other and are as follows:                           

                                                                [Download Table]

                                                             YEARS ENDED DECEMBER 
                                                                     31,          
                                                            --------------------- 
                                                            2010      2009   2008 
                                                            ----     -----   ---- 
                                                                (IN MILLIONS)     
                                                                                  
Balance at January 1,...................................... $ 19     $  61    $-- 
  Severance charges........................................   14        70     67 
  Change in severance charge estimates.....................   (2)       (8)    (6)
  Cash payments............................................  (28)     (104)    -- 
                                                            ----     -----    --- 
Balance at December 31,.................................... $  3     $  19    $61 
                                                            ====     =====    === 
Restructuring charges incurred in current period........... $ 12     $  62    $61 
                                                            ====     =====    === 
Total restructuring charges incurred since inception of                           
  program.................................................. $135     $ 123    $61 
                                                            ====     =====    === 


For the years ended December 31, 2010, 2009 and 2008, the change in   
severance charge estimates of ($2) million, ($8) million and ($6) million,      
respectively, was due to changes in estimates for variable incentive            
compensation, COBRA benefits, employee outplacement services and for employees  
whose severance status changed.                                                 

    In addition to the above charges, the Company has recognized lease charges
of $28 million associated with the consolidation of office space since the      
inception of the initiative.                                                    

    Management anticipates further restructuring charges, including severance,
lease and asset impairments, will be incurred during the year ending December   
31, 2011. However, such restructuring plans were not sufficiently developed to  
enable MetLife, Inc. to make an estimate of such restructuring charges at       
December 31, 2010.                                                              

17.  BUSINESS SEGMENT INFORMATION                                               

The Company is organized into three segments: Insurance Products,     
Retirement Products and Corporate Benefit Funding. In addition, the Company     
reports certain of its results of operations in Corporate & Other.              

     Insurance Products offers a broad range of protection products and services
to individuals and corporations, as well as other institutions and their        
respective employees, and is organized into three distinct businesses: Group    
Life, Individual Life and Non-Medical Health. Group Life insurance products and 
services include variable life, universal life and term life products.          
Individual Life insurance products and services include variable life, universal
life, term life and whole life products. Non-Medical Health products and        
services include dental insurance, short- and long-term disability, long-term   
care and other insurance products. Retirement Products offers asset accumulation
and income products, including a wide variety of annuities. Corporate Benefit   
Funding offers pension risk solutions, structured settlements, stable value and 
investment products and other benefit funding products. In the fourth quarter of
2010, management realigned certain income annuity products within the Company's 
segments to better conform to the way it manages and assesses its business and  
began reporting such product results in the Retirement Products segment,        
previously reported in the Corporate Benefit Funding segment. Accordingly, prior
period results for these segments have been adjusted by $29 million and $13     
million of operating losses, net of $15 million and $8 million of income tax    
benefits, for the years ended December 31, 2009 and 2008, respectively, to      
reflect such product reclassifications.                                         

Corporate & Other contains the excess capital not allocated to the    
segments, various start-up entities and run-off entities, as well as interest   
expense related to the majority of the Company's outstanding debt and expenses  
associated with certain legal proceedings and income tax audit issues. Corporate
& Other also includes the                                                       

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

elimination of intersegment amounts, which generally relate to intersegment     
loans, which bear interest rates commensurate with related borrowings.          

 Operating earnings is the measure of segment profit or loss the Company
uses to evaluate segment performance and allocate resources. Consistent with    
GAAP accounting guidance for segment reporting, it is the Company's measure of  
segment performance reported below. Operating earnings does not equate to income
(loss) from continuing operations, net of income tax or net income (loss) as    
determined in accordance with GAAP and should not be viewed as a substitute for 
those GAAP measures. The Company believes the presentation of operating earnings
herein as the Company measures it for management purposes enhances the          
understanding of its performance by highlighting the results from operations and
the underlying profitability drivers of the businesses.                         

Operating earnings is defined as operating revenues less operating    
expenses, net of income tax.                                                    

Operating revenues is defined as GAAP revenues (i) less net investment
gains (losses) and net derivative gains (losses); (ii) less amortization of     
unearned revenue related to net investment gains (losses) and net derivative    
gains (losses); (iii) plus scheduled periodic settlement payments on derivatives
that are hedges of investments but do not qualify for hedge accounting          
treatment; and (iv) plus income from discontinued real estate operations.       

Operating expenses is defined as GAAP expenses (i) less changes in    
policyholder benefits associated with asset value fluctuations related to       
experience-rated contractholder liabilities; (ii) less costs related to         
noncontrolling interests; (iii) less amortization of DAC and VOBA and changes in
the policyholder dividend obligation related to net investment gains (losses)   
and net derivative gains (losses); and (iv) plus scheduled periodic settlement  
payments on derivatives that are hedges of policyholder account balances but do 
not qualify for hedge accounting treatment.                                     

   In addition, operating revenues and operating expenses do not reflect the
consolidation of certain securitization entities that are VIEs as required under
GAAP.                                                                           

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     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, 2010, 2009 and 2008 and at December 31, 2010 and 2009. The         
accounting policies of the segments are the same as those of the Company, except
for the method of capital allocation and the accounting for gains (losses) from 
intercompany sales, which are eliminated in consolidation. 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 the Company's businesses. As a part of the economic capital   
process, a portion of net investment income is credited to the segments based on
the level of allocated equity. The Company allocates certain non-recurring      
items, such as expenses associated with certain legal proceedings, to Corporate 
& Other.                                                                        

                                                        [Enlarge/Download Table]

                                                   OPERATING EARNINGS                                               
                                --------------------------------------------------------                            
                                                         CORPORATE                                                  
                                INSURANCE   RETIREMENT    BENEFIT    CORPORATE                              TOTAL   
YEAR ENDED DECEMBER 31, 2010     PRODUCTS    PRODUCTS     FUNDING     & OTHER     TOTAL    ADJUSTMENTS  CONSOLIDATED
------------------------------  ---------   ----------   ---------   ---------   -------   -----------  ------------
                                                                    (IN MILLIONS)                                   
                                                                                                                    
REVENUES                                                                                                            
Premiums......................   $16,615      $  608       $1,295      $    1    $18,519      $  --        $18,519  
Universal life and investment-                                                                                      
  type                                                                                                              
  product policy fees.........     1,363         515          196          --      2,074          1          2,075  
Net investment income.........     5,344       2,274        3,830         146     11,594         11         11,605  
Other revenues................       444          78          239         964      1,725         --          1,725  
Net investment gains                                                                                                
  (losses)....................        --          --           --          --         --       (170)          (170) 
Net derivative gains                                                                                                
  (losses)....................        --          --           --          --         --       (266)          (266) 
                                 -------      ------       ------      ------    -------      -----        -------  
  Total revenues..............    23,766       3,475        5,560       1,111     33,912       (424)        33,488  
                                 -------      ------       ------      ------    -------      -----        -------  
EXPENSES                                                                                                            
Policyholder benefits and                                                                                           
  claims                                                                                                            
  and policyholder dividends..    18,299         978        2,875         (18)    22,134         16         22,150  
Interest credited to                                                                                                
  policyholder                                                                                                      
  account balances............       507         712        1,251          --      2,470         53          2,523  
Capitalization of DAC.........      (398)       (392)         (14)         --       (804)        --           (804) 
Amortization of DAC and VOBA..       546         262           15           1        824        126            950  
Interest expense on debt......         4           4            5         189        202         15            217  
Other expenses................     2,968       1,320          425       1,181      5,894          2          5,896  
                                 -------      ------       ------      ------    -------      -----        -------  
  Total expenses..............    21,926       2,884        4,557       1,353     30,720        212         30,932  
                                 -------      ------       ------      ------    -------      -----        -------  
Provision for income tax                                                                                            
  expense                                                                                                           
  (benefit)...................       645         208          350        (208)       995       (213)           782  
                                 -------      ------       ------      ------    -------                   -------  
OPERATING EARNINGS............   $ 1,195      $  383       $  653      $  (34)     2,197                            
                                 =======      ======       ======      ======                                       
Adjustments to:                                                                                                     
  Total revenues..............                                                      (424)                           
  Total expenses..............                                                      (212)                           
  Provision for income tax                                                                                          
     (expense) benefit........                                                       213                            
                                                                                 -------                            
INCOME (LOSS) FROM CONTINUING                                                                                       
  OPERATIONS, NET OF INCOME                                                                                         
  TAX.........................                                                   $ 1,774                   $ 1,774  
                                                                                 =======                   =======  


                                                        [Enlarge/Download Table]

                                                                      CORPORATE                      
                                              INSURANCE  RETIREMENT    BENEFIT    CORPORATE          
AT DECEMBER 31, 2010:                          PRODUCTS   PRODUCTS     FUNDING     & OTHER     TOTAL 
--------------------------------------------  ---------  ----------   ---------   ---------  --------
                                                                   (IN MILLIONS)                     
                                                                                                     
TOTAL ASSETS................................   $123,915    $77,633     $143,530    $30,329   $375,407
SEPARATE ACCOUNT ASSETS.....................   $  8,343    $34,540     $ 54,946    $    --   $ 97,829
SEPARATE ACCOUNT LIABILITIES................   $  8,343    $34,540     $ 54,946    $    --   $ 97,829

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(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                   OPERATING EARNINGS                                               
                                --------------------------------------------------------                            
                                                         CORPORATE                                                  
                                INSURANCE   RETIREMENT    BENEFIT    CORPORATE                              TOTAL   
YEAR ENDED DECEMBER 31, 2009     PRODUCTS    PRODUCTS     FUNDING     & OTHER     TOTAL    ADJUSTMENTS  CONSOLIDATED
------------------------------  ---------   ----------   ---------   ---------   -------   -----------  ------------
                                                                    (IN MILLIONS)                                   
                                                                                                                    
REVENUES                                                                                                            
Premiums......................   $16,651      $  553       $1,414      $   11    $18,629     $    --       $18,629  
Universal life and investment-                                                                                      
  type                                                                                                              
  product policy fees.........     1,486         441          145          --      2,072          (5)        2,067  
Net investment income.........     4,968       2,006        3,466        (328)    10,112          77        10,189  
Other revenues................       511          73          230         925      1,739          --         1,739  
Net investment gains                                                                                                
  (losses)....................        --          --           --          --         --      (1,667)       (1,667) 
Net derivative gains                                                                                                
  (losses)....................        --          --           --          --         --      (4,428)       (4,428) 
                                 -------      ------       ------      ------    -------     -------       -------  
  Total revenues..............    23,616       3,073        5,255         608     32,552      (6,023)       26,529  
                                 -------      ------       ------      ------    -------     -------       -------  
EXPENSES                                                                                                            
Policyholder benefits and                                                                                           
  claims                                                                                                            
  and policyholder dividends..    18,447         922        2,879           7     22,255          19        22,274  
Interest credited to                                                                                                
  policyholder                                                                                                      
  account balances............       513         754        1,366          --      2,633          36         2,669  
Capitalization of DAC.........      (396)       (449)         (12)         --       (857)         --          (857) 
Amortization of DAC and VOBA..       410         246           12           2        670        (255)          415  
Interest expense on debt......         2          --            1         163        166          --           166  
Other expenses................     3,145       1,391          422       1,320      6,278           7         6,285  
                                 -------      ------       ------      ------    -------     -------       -------  
  Total expenses..............    22,121       2,864        4,668       1,492     31,145        (193)       30,952  
                                 -------      ------       ------      ------    -------     -------       -------  
Provision for income tax                                                                                            
  expense                                                                                                           
  (benefit)...................       498          61          187        (489)       257      (2,147)       (1,890) 
                                 -------      ------       ------      ------    -------                   -------  
OPERATING EARNINGS............   $   997      $  148       $  400      $ (395)     1,150                            
                                 =======      ======       ======      ======                                       
Adjustments to:                                                                                                     
  Total revenues..............                                                    (6,023)                           
  Total expenses..............                                                       193                            
  Provision for income tax                                                                                          
     (expense) benefit........                                                     2,147                            
                                                                                 -------                            
INCOME (LOSS) FROM CONTINUING                                                                                       
  OPERATIONS, NET OF INCOME                                                                                         
  TAX.........................                                                   $(2,533)                  $(2,533) 
                                                                                 =======                   =======  


                                                        [Enlarge/Download Table]

                                                                      CORPORATE                      
                                              INSURANCE  RETIREMENT    BENEFIT    CORPORATE          
AT DECEMBER 31, 2009:                          PRODUCTS   PRODUCTS     FUNDING     & OTHER     TOTAL 
--------------------------------------------  ---------  ----------   ---------   ---------  --------
                                                                   (IN MILLIONS)                     
                                                                                                     
TOTAL ASSETS................................   $117,867    $70,201     $125,811    $29,078   $342,957
SEPARATE ACCOUNT ASSETS.....................   $  7,749    $28,442     $ 44,186    $    --   $ 80,377
SEPARATE ACCOUNT LIABILITIES................   $  7,749    $28,442     $ 44,186    $    --   $ 80,377

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                   OPERATING EARNINGS                                               
                                --------------------------------------------------------                            
                                                         CORPORATE                                                  
                                INSURANCE   RETIREMENT    BENEFIT    CORPORATE                              TOTAL   
YEAR ENDED DECEMBER 31, 2008     PRODUCTS    PRODUCTS     FUNDING     & OTHER     TOTAL    ADJUSTMENTS  CONSOLIDATED
------------------------------  ---------   ----------   ---------   ---------   -------   -----------  ------------
                                                                    (IN MILLIONS)                                   
                                                                                                                    
REVENUES                                                                                                            
Premiums......................   $15,937      $  564       $1,933      $   10    $18,444     $    --       $18,444  
Universal life and investment-                                                                                      
  type                                                                                                              
  product policy fees.........     1,515         584          184          --      2,283           2         2,285  
Net investment income.........     5,148       1,754        4,279        (119)    11,062          52        11,114  
Other revenues................       510          57          349         966      1,882          --         1,882  
Net investment gains                                                                                                
  (losses)....................        --          --           --          --         --      (1,529)       (1,529) 
Net derivative gains                                                                                                
  (losses)....................        --          --           --          --         --       5,001         5,001  
                                 -------      ------       ------      ------    -------     -------       -------  
  Total revenues..............    23,110       2,959        6,745         857     33,671       3,526        37,197  
                                 -------      ------       ------      ------    -------     -------       -------  
EXPENSES                                                                                                            
Policyholder benefits and                                                                                           
  claims                                                                                                            
  and policyholder dividends..    17,637       1,009        3,500          22     22,168         247        22,415  
Interest credited to                                                                                                
  policyholder                                                                                                      
  account balances............       520         757        1,871           7      3,155          26         3,181  
Capitalization of DAC.........      (484)       (396)         (13)         (8)      (901)         --          (901) 
Amortization of DAC and VOBA..       513         390           16           9        928         153         1,081  
Interest expense on debt......         1           2           --         189        192          --           192  
Other expenses................     3,245       1,214          403       1,350      6,212          (6)        6,206  
                                 -------      ------       ------      ------    -------     -------       -------  
  Total expenses..............    21,432       2,976        5,777       1,569     31,754         420        32,174  
                                 -------      ------       ------      ------    -------     -------       -------  
Provision for income tax                                                                                            
  expense                                                                                                           
  (benefit)...................       572         (25)         335        (336)       546       1,104         1,650  
                                 -------      ------       ------      ------    -------                   -------  
OPERATING EARNINGS............   $ 1,106      $    8       $  633      $ (376)     1,371                            
                                 =======      ======       ======      ======                                       
Adjustments to:                                                                                                     
  Total revenues..............                                                     3,526                            
  Total expenses..............                                                      (420)                           
  Provision for income tax                                                                                          
     (expense) benefit........                                                    (1,104)                           
                                                                                 -------                            
INCOME (LOSS) FROM CONTINUING                                                                                       
  OPERATIONS, NET OF INCOME                                                                                         
  TAX.........................                                                   $ 3,373                   $ 3,373  
                                                                                 =======                   =======  


  Net investment income is based upon the actual results of each segment's
specifically identifiable asset portfolio 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.                                               

Operating revenues derived from any customer did not exceed 10% of    
consolidated operating revenues for the years ended December 31, 2010, 2009 and 
2008. Substantially all of the Company's revenues originated in the United      
States.                                                                         

18.  DISCONTINUED OPERATIONS                                                    

REAL ESTATE                                                                 

   The Company actively manages its real estate portfolio with the objective
of maximizing earnings through selective acquisitions and dispositions. Income  
related to real estate classified as held-for-sale or sold is presented in      
discontinued operations. These assets are carried at the lower of depreciated   
cost or estimated fair value less expected disposition costs. Income from       
discontinued real estate operations, net of income tax, was $12 million, $11    
million and $13 million for the years ended December 31, 2010, 2009 and 2008,   
respectively.                                                                   

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     The carrying value of real estate related to discontinued operations was $4
million and $55 million at December 31, 2010 and 2009, respectively.            

OPERATIONS                                                                  

Reinsurance Group of America, Incorporated                                  

   The following table presents the amounts related to the operations of RGA
that have been reflected as discontinued operations (see Note 2) in the         
consolidated statements of operations:                                          

                                                                [Download Table]

-----------------------------------------------------------------------------------
                                                                      YEAR ENDED   
                                                                  DECEMBER 31, 2008
                                                                  -----------------
                                                                                   
Total revenues..................................................        $3,952     
Total expenses..................................................         3,796     
                                                                        ------     
Income before provision for income tax..........................           156     
Provision for income tax........................................            53     
                                                                        ------     
Income from discontinued operations, net of income tax,                            
  attributable to Metropolitan Life Insurance Company...........           103     
Income from discontinued operations, net of income tax,                            
  attributable to noncontrolling interests......................            94     
Loss in connection with the dividend of interests in subsidiary,                   
  net of income tax.............................................          (398)    
                                                                        ------     
Income (loss) from discontinued operations, net of income tax...        $ (201)    
                                                                        ======     


   The operations of RGA included direct policies and reinsurance agreements
with Metropolitan Life Insurance Company and some of its subsidiaries. These    
agreements are generally terminable by either party upon 90 days written notice 
with respect to future new business. Agreements related to existing business    
generally are not terminable, unless the underlying policies terminate or are   
recaptured. These direct policies and reinsurance agreements do not constitute  
significant continuing involvement by the Company with RGA. Included in         
continuing operations in the Company's consolidated statements of operations are
amounts related to these transactions, including ceded amounts that reduced     
premiums and fees by $117 million and ceded amounts that reduced policyholder   
benefits and claims by $90 million for the year ended December 31, 2008 that    
have not been eliminated as these transactions have continued after the RGA     
disposition.                                                                    

19.  RELATED PARTY TRANSACTIONS                                                 

SERVICE AGREEMENTS                                                          

The Company has entered into various agreements with affiliates for   
services necessary to conduct its activities. Typical services provided under   
these agreements include personnel, policy administrative functions and         
distribution services. For certain of the 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 and fees incurred with affiliates related to 
these agreements, recorded in other expenses, were $2,700 million, $2,965       
million and $2,839 million for the years ended December 31, 2010, 2009 and 2008,
respectively. The Company also entered into agreements with affiliates to       
provide additional services necessary to conduct the affiliates' activities.    
Typical services provided under these agreements include management, policy     
administrative functions, investment advice and distribution services. Expenses 
incurred by the Company related to these agreements, included in other expenses,
were $1,189 million, $1,074 million and $815 million for the years              

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 METROPOLITAN LIFE INSURANCE COMPANY
(A Wholly-Owned Subsidiary of MetLife, Inc.)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

ended December 31, 2010, 2009 and 2008, respectively, and were reimbursed to the
Company by these affiliates. The aforementioned expenses and fees incurred with 
affiliates were comprised of the following:                                     

                                                                [Download Table]

                                                          YEARS ENDED DECEMBER 31, 
                                                          ------------------------ 
                                                           2010     2009     2008  
                                                          ------   ------   ------ 
                                                                (IN MILLIONS)      
                                                                                   
Compensation............................................. $1,770   $2,255   $2,172 
Commissions..............................................    801      638      658 
Volume-related costs.....................................   (269)    (284)    (309)
Professional services....................................    (18)      --       -- 
Rent.....................................................    (28)      --       -- 
Other....................................................   (745)    (718)    (497)
                                                          ------   ------   ------ 
  Total other expenses................................... $1,511   $1,891   $2,024 
                                                          ======   ======   ====== 


     Revenues received from affiliates related to these agreements were recorded
as follows:                                                                     

                                                                [Download Table]

                                                           YEARS ENDED DECEMBER 
                                                                    31,         
                                                          ----------------------
                                                          2010       2009   2008
                                                          ----       ----   ----
                                                               (IN MILLIONS)    
                                                                                
Universal life and investment-type product policy fees...  $84        $55    $16
Other revenues...........................................  $34        $22    $17

     The Company had net payables to affiliates of $243 million and $205 million
at December 31, 2010 and 2009, respectively, related to the items discussed     
above. These payables exclude affiliated reinsurance balances discussed in Note 
9. See Notes 3, 8 and 11 for discussion of additional related party             
transactions.                                                                   

20.  SUBSEQUENT EVENTS                                                          

CREDIT FACILITY                                                             

     On February 1, 2011, MetLife, Inc. entered into a committed facility with a
third-party bank to provide letters of credit for the benefit of Missouri       
Reinsurance (Barbados) Inc. ("MoRe"), a captive reinsurance subsidiary, to      
address its short-term solvency needs based on guidance from the regulator. This
one-year facility provides for the issuance of letters of credit in amounts up  
to $350 million. Under the facility, a letter of credit for $250 million was    
issued on February 2, 2011 and increased to $295 million on February 23, 2011,  
which management believes satisfies MoRe's solvency requirements.               

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 PART II
 OTHER INFORMATION

ITEM 24. FINANCIAL STATEMENTS AND EXHIBITS                                      

  (a) The financial statements and financial highlights comprising each of
     the individual Investment Divisions of the Separate Account and the
     report of Independent Registered Public Accounting Firm thereto are
       contained in the Separate Account's Annual Report and are included in
      the Statement of Additional Information. The financial statements of
the Separate Account include:                                 

  (1) Statements of Assets and Liabilities as of December 31, 2010

   (2) Statements of Operations for the year ended December 31, 2010

(3) Statements of Changes in Net Assets for the years ended   
December 31, 2010 and 2009                                    

(4) Notes to the Financial Statements                         

  (b) The consolidated financial statements of Metropolitan Life Insurance
   Company and subsidiaries and the report of Independent Registered
     Public Accounting Firm, are included in the Statement of Additional
         Information. The consolidated financial statements of Metropolitan Life
Insurance Company and subsidiaries include:                   

          (1) Consolidated Balance Sheets as of December 31, 2010 and 2009

       (2) Consolidated Statements of Operations for the years ended
December 31, 2010, 2009 and 2008                      

           (3) Consolidated Statements of Stockholders' Equity for the years
ended December 31, 2010, 2009 and 2008                

       (4) Consolidated Statements of Cash Flows for the years ended
December 31, 2010, 2009 and 2008                      

(5) Notes to the Consolidated Financial Statements    

(B) Exhibits                                                          

(1)            --Resolution of the Board of Directors of Metropolitan Life      
establishing Separate Account E.(1)           

(2)            --Not applicable.                                                

(3)(a)         --Principal Underwriting Agreement with MetLife Investors        
Distribution Company (14)                     

 (b)         --Specimen Metropolitan Life Insurance Company Sales Agreement.
(8)                                           

 (b)(i)      --Specimen Retail Sales Agreement (MLIDC Retail Sales Agreement
7-1-05)(LTC)(10)                              

 (b)(ii)       Form of Enterprise Selling Agreement 02-10 (MetLife Investors
Distribution Company Sales Agreement). (17)   

(c)         --Participation Agreement--New England Zenith Fund (3)        

(d)         --Participation Agreement--American Funds Insurance Series (2)

(d)(i)      --Participation Agreement--American Funds Insurance Series -  
Summary (16)                                  

(e)         --Participation Agreement--Met Investors Series Trust (4)     

(f)         --Participation Agreement--Calvert Variable Series, Inc. (5)  

(g)         --Participation Agreement--Metropolitan Series Fund. (13)     

(4)(a)         --Form of Variable Annuity Contract.(6)                          

(4)(a)(i)      --Backcover to Form of Variable Annuity Contract.(7)             

(4)(a)(ii)     --Annual Step-Up Death Benefit Rider to Form of Variable Annuity 
Contract.(7)                                  

(4)(b)         --Tax Sheltered Annuity Endorsement--Form G.ML-398 (08/02) (6)   

(4)(c)         --SEP and SIMPLE IRA Endorsement Form ML-408.2 (09/02) (7)       

(4)(d)         --457 Contract with TSA ERISA Endorsements (9)                   

(4)(e)         --Roth 403(b) Endorsement--Form ML-G-Roth-398 (11/05)(10)        

(4)(e)(i)     403(b) Nationwide Tax Sheltered Annuity Endorsement--Form ML-     
398-3 (17)                                    

(4)(f)         --Roth 401 Endorsement--Form HL-G-Roth-401 (11/05)(10)           

(4)(g)         --Qualified G-Roth 403(b) Tax Sheltered Annuity Contribution     
    Program Endorsement - Form G-Roth403(b) (3/06)(10)

(4)(h)         --Lifetime Guaranteed Withdrawal Benefit (LGWB) Rider Certificate
Schedule (14)                                 

(4)(i)         --SEP and Simple IRA LGWB Rider (14)                             

(4)(j)         --Tax Sheltered Annuity LGWB Rider (14)                          

(4)(k)         --Certificate Schedule B Class, G.FFS (08-02) for LGWB. (15)     

(4)(l)         --Certificate Schedule L Class G.FFS (08-02) for LGWB. (15)      

(4)(m)         --Certificate Schedule eBonus Class G.FFS (08-02) for LGWB. (15) 

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(5)(a)        --Application Form for the Deferred Annuity, Version 1.(6)      

(5)(b)        --Application Form for the Deferred Annuity, Version 2.(6)      

(5)(c)        --Variable Annuity Application SEP, SIMPLE IRA Version 1        
MFFSVER1APP-SS(0304)(9)                       

(5)(d)        --Variable Annuity Application SEP, SIMPLE IRA Version 2        
MFFSVER2APP-SS(0304)(9)                       

(5)(e)        --Annuity SMART APP Receipt (SEP/SIMPLE IRA) MFFS-ASAR-SS       
(03/04)(9)                                    

(5)(f)        --Variable Annuity Application MetLife Financial Freedom        
              Select(R) Non - ERISA Tax Sheltered Annuity (TSA) Version 2.
                 Form FFS403V2-R- LGWB(02/07) and ADMIN FFS VER2 (02/07) ef.(12)

(5)(g)       -- Variable Annuity Application MetLife Financial Freedom        
            Select(R) SEP, SIMPLE IRA Version. 2. Form MFFS-V2-SS-LGWB
(02/07) (12)                                  

(5)(h)       -- Variable Annuity Application MetLife Financial Freedom        
              Select(R) Non - ERISA Tax Sheltered Annuity (TSA) Version 1.
             Form FFS_VER1 LGWB-R (02/07) and ADMIN VER1 (02/07) ef.(12)

(5)(i)       -- Variable Annuity Application MetLife Financial Freedom        
            Select(R) SEP, SIMPLE IRA Version 1. Form MFFSVER1-SS-LGWB
(02/07) and ADMIN FFS VER1 (04/07) ef.(12)    

(5)(j)       -- MFFS New York TSA Application V1 FFS 403B APP VER1 NY (07/08).
(15)                                          

(5)(k)       -- New York TSA Application V2 FFS 403B APP VER2 NY (07/08). (15)

(5)(l)       -- MFFS New York SEP/SIMPLE Application VER 1 MFFSVER1 SS NY     
(10/08). (15)                                 

(5)(m)       -- New York SEP/SIMPLE Application VER 2 MFFSVER2 SS NY (10/08). 
(15)                                          

(6)(a)        --Amended and Restated Charter of Metropolitan Life.            
(4)                                           

(6)(b)        --Amended and Restated By-Laws of Metropolitan Life.(11)        

(7)           --Not applicable.                                               

(8)           --Not applicable.                                               

(9)           --Opinion and consent of counsel as to the legality of the      
securities being registered.(6,9)             

(10)           --Consent of Independent Registered Public Accounting Firm.(16)  

(11)           --Not applicable.                                                

(12)           --Not applicable.                                                

(13)(a)        --Powers of Attorney.(16)                                        

----------                                                                      
(1)  Filed with Post-Effective Amendment No. 19 to Registration Statement No.   
  2-90380/811-4001 for Metropolitan Life Separate Account E on Form N-4 on
February 27, 1996. As incorporated herein by reference.               
(2)  Filed with Pre-Effective Amendment No. 1 to Registration Statement No.     
    333-52366/811-4001 for Metropolitan Life Separate Account E on Form N-4 on
August 3, 2001. As incorporated herein by reference.                  
(3)  Filed with Post-Effective Amendment No. 10 to Registration Statement No.   
    33-57320/811-4001 for Metropolitan Life Separate Account UL on Form S-6 on
September 18, 2000. As incorporated herein by reference.              
(4)  Filed with this Registration Statement on March 5, 2002.                   
(5)  Filed with Post-Effective Amendment No. 22 to Registration Statement No.   
  2-90380/811-4001 for Metropolitan Life Separate Account E on Form N-4 on
April 30, 1997 as incorporated herein by reference.                   
(6)  Filed with Pre-Effective Amendment No. 1 to this Registration Statement on 
July 12, 2002.                                                        
(7)  Filed with Post-Effective Amendment No. 1 to this Registration Statement   
on April 10, 2003.                                                    
(8)  Filed with Post-Effective Amendment No. 30 to Registration Statement Nos.  
  2-90380/811-4001 for Metropolitan Life Separate Account E on Form N-4 on
October 22, 2003.                                                     
(9)  Filed with Post Effective Amendment No. 2 to this Registration Statement   
on April 21, 2004.                                                    
(10) Filed with Post-Effective Amendment No. 5 to this Registration Statement   
on April 26, 2006                                                     

(11) Filed with Post-Effective Amendment No. 16 to Registration Statement No.   
    333-52366/811-4001 for Metropolitan Life Separate Account E on Form N-4 on
January 16, 2008. As incorporated herein by reference.                

(12) Filed with Post-Effective Amendment No. 11 to this Registration Statement  
on January 26, 2009.                                                  

(13) Filed with Post-Effective Amendment No. 8 to this Registration Statement on
August 23, 2007.                                                      

(14) Filed with Post-Effective Amendment No. 3 to Registration Statement No.    
     333-133675/811-07534 for Paragon Separate Account B on Form N-6 on February
6, 2008. As incorporated herein by reference.                         

(15) Filed with Post-Effective Amendment No. 12 to this Registration Statement  
on March 13, 2009.                                                    

(16) Filed herewith. Powers of Attorney for Eduardo Castro-Wright, Cheryl W.    
Grise, C. Robert Henrikson, R. Glenn Hubbard, Jr., John M. Keane,     
Alfred F. Kelly, James M. Kilts, Catherine R. Kinney, Hugh B. Price,  
David Satcher, Kenton J. Sicchitano, Lulu C. Wang, William J. Wheeler 
and Peter M. Carlson.                                                 

(17) Filed with Post-Effective Amendment No. 14 to this Registration Statement  
on March 13, 2010.                                                    

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ITEM 25. DIRECTORS AND OFFICERS OF DEPOSITOR                                    

                                                        [Enlarge/Download Table]

NAME, PRINCIPAL OCCUPATION AND BUSINESS ADDRESS       POSITION AND OFFICES WITH DEPOSITOR                         
----------------------------------------------------  ------------------------------------------------------------
                                                                                                                  
C. Robert Henrikson                                   Director, Chairman of the Board, President and Chief        
MetLife, Inc and Metropolitan Life Insurance Company  Executive Officer                                           
Chairman of the Board,                                                                                            
President and Chief Executive Officer                                                                             
200 Park Avenue                                                                                                   
New York, New York 10166                                                                                          

Sylvia Mathews Burwell                                Director                                                    
President, Global Development Program                                                                             
The Bill and Melinda Gates Foundation                                                                             
1432 Elliott Avenue W                                                                                             
Seattle, WA 98102                                                                                                 

Eduardo Castro-Wright                                 Director                                                    
President and Chief Executive Officer                                                                             
Wal-Mart Stores, USA                                                                                              
702 Southwest 8th Street                                                                                          
Bentonville, AR 72716                                                                                             

Cheryl W. Grise                                       Director                                                    
Retired Executive Vice President                                                                                  
Northeast Utilities                                                                                               
24 Stratford Road                                                                                                 
West Hartford, CT 06117                                                                                           

R. Glenn Hubbard                                      Director                                                    
Dean and Russell L. Carson Professor of                                                                           
Finance and Economics                                                                                             
Graduate School of Business                                                                                       
Columbia University                                                                                               
Uris Hall                                                                                                         
3022 Broadway                                                                                                     
New York, NY 10027-6902                                                                                           

John M. Keane                                         Director                                                    
Co-Founder and Senior Managing Director                                                                           
Keane Advisors, LLC                                                                                               
2020 K St., N.W.                                                                                                  
Washington, DC 20006                                                                                              

Alfred F. Kelly, Jr.                                  Director                                                    
President                                                                                                         
American Express Company                                                                                          
200 Vesey Street                                                                                                  
New York, NY 10285                                                                                                

James M. Kilts                                        Director                                                    
Partner                                                                                                           
Centerview Partners                                                                                               
Management, LLC                                                                                                   
16 School Street                                                                                                  
Rye, NY 10580                                                                                                     

Catherine R. Kinney                                   Director                                                    
Retired President and Co-Chief Operating Officer                                                                  
NYSE                                                                                                              
1158 5th Avenue                                                                                                   
New York, NY 10029                                                                                                

Hugh B. Price                                         Director                                                    
Senior Fellow                                                                                                     
Brookings Institution                                                                                             
1775 Massachusetts Avenue, N.W.                                                                                   
Washington, DC 20036                                                                                              

David Satcher                                         Director                                                    
Director of Satcher Health Leadership                                                                             
Institute and Center of Excellence on                                                                             
Health Disparities                                                                                                
Morehouse School of Medicine                                                                                      
720 Westview Drive, S.W.                                                                                          
Atlanta, GA 30310-1495                                                                                            

Kenton J. Sicchitano                                  Director                                                    
Retired Global Managing Partner                                                                                   
PricewaterhouseCoopers, LLC                                                                                       
25 Phillips Pond Road                                                                                             
Natick, MA 01760                                                                                                  

Lulu C. Wang                                          Director                                                    
Chief Executive Officer                                                                                           
Tupelo Capital Management LLC                                                                                     
767 Third Avenue                                                                                                  
New York, NY 10017                                                                                                

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 Set forth below is a list of certain principal officers of MetLife. The
principal business address of each officer of MetLife is 200 Park Avenue, New   
York, New York 10166                                                            

                                                        [Enlarge/Download Table]

NAME                      POSITION WITH METLIFE                                       
------------------------  ------------------------------------------------------------
                                                                                      
C. Robert Henrikson       Chairman of the Board, President and Chief Executive Officer

William J. Mullaney       President, U.S. Business                                    

William J. Toppeta        President, International Business                           

Peter M. Carlson          Executive Vice President and Chief Accounting Officer       

Kathleen A. Henkel        Executive Vice President, Human Resources                   

*Steven A. Kandarian      Executive Vice President and Chief Investment Officer       

Nicholas D. Latrenta      Executive Vice President and General Counsel                

Maria R. Morris           Executive Vice President, Technology and Operations         

William J. Wheeler        Executive Vice President and Chief Financial Officer        

*   Effective May 1, 2011, Mr. Kandarian will become President and Chief        
Executive Officer                                                       

ITEM 26. PERSONS CONTROLLED BY OR UNDER COMMON CONTROL WITH THE DEPOSITOR OR    
REGISTRANT.                                                                     

     The registrant is a separate account of Metropolitan Life Insurance Company
under the New York Insurance law. Under said law the assets allocated to the    
separate account are the property of Metropolitan Life Insurance Company, which 
is a wholly-owned subsidiary of MetLife Inc. The following outline indicates    
those persons who are controlled by or under common control with Metropolitan   
Life Insurance Company:                                                         

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ORGANIZATIONAL STRUCTURE OF METLIFE, INC. AND SUBSIDIARIES
       AS OF DECEMBER 31, 2010

The following is a list of subsidiaries of MetLife,  Inc. updated as of December
31,  2010.  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 Bank National Association (USA)                                   

1. Federal Flood Certification Corp. (TX)                           

2. MetLife Affiliated Insurance Agency LLC (DE)                     

C.    Exeter Reassurance Company, Ltd. (Bermuda)                                

D.    MetLife Taiwan Insurance Company Limited (Taiwan)                         

E.    Metropolitan Tower Life Insurance Company (DE)                            

1.    TH Tower NGP, LLC (DE)                                        

   2.    Partners Tower, L.P. (DE) - a 99% limited partnership interest of
         Partners Tower, L.P. is held by Metropolitan Tower Life Insurance
            Company and 1% general partnership interest is held by TH Tower NGP,
LLC (DE)                                                

3.    TH Tower Leasing, LLC (DE)                                    

4.    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.    

5.     Plaza Drive Properties, LLC (DE)                               

6.     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.            

F.    MetLife Chile Inversiones Limitada (Chile)- 87.98% is owned by MetLife,   
Inc., 12.01% is owned by Inversiones MetLife Holdco Dos Limitada and
0.01% is owned by Natiloportem Holdings, Inc.                       

1.    MetLife Chile Seguros de Vida S.A. (Chile)- 99.99% is owned by
        MetLife Chile Inversiones Limitada and 0.01% is owned by MetLife
International Holdings, Inc.                            

      a)    MetLife Chile Administradora de Mutuos Hipotecarios S.A.
             (Chile)- 99.99% is owned by MetLife Chile Seguros de Vida
        S.A. and 0.01% is owned by MetLife Chile Inversiones
Limitada.                                   

G.    Metropolitan Life Seguros de Vida S.A. (Uruguay)                          

H.    MetLife Securities, Inc. (DE)                                             

I.    Enterprise General Insurance Agency, Inc. (DE)                            

1.    MetLife General Insurance Agency of Texas, Inc. (TX)          

2.    MetLife General Insurance Agency of Massachusetts, Inc. (MA)  

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J.    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.    Met P&C Managing General Agency, Inc. (TX)                    

5.    MetLife Auto & Home Insurance Agency, Inc. (RI)               

 6.    Metropolitan Group Property and Casualty Insurance Company (RI)

     a)    Metropolitan Reinsurance Company (U.K.) Limited (United
Kingdom)                                    

7.    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.                            

8.    Economy Fire & Casualty Company (IL)                          

a)    Economy Preferred Insurance Company (IL)          

b)    Economy Premier Assurance Company (IL)            

K.    MetLife Investors Insurance Company (MO)                                  

L.    First MetLife Investors Insurance Company (NY)                            

M.    Walnut Street Securities, Inc. (MO)                                       

N.    Newbury Insurance Company, Limited (Bermuda)                              

O.    MetLife Investors Group, Inc. (DE)                                        

1.    MetLife Investors Distribution Company (MO)                   

2.    MetLife Advisers, LLC (MA)                                    

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P.    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)    Servicios Administrativos Gen, S.A. de C.V. (Mexico)

             i)   MLA Comercial, S.A. de C.V. (Mexico) 99% is owned by
                   Servicios Administrativos Gen, 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
                   Servicios Administrativos Gen, S.A. de C.V. and 1% is
         owned by MetLife Mexico Cares, S.A. de C.V.

3.    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 de Vida S.A. (Argentina)- 96.7372% is         
          owned by MetLife International Holdings, Inc. and 3.2628% is owned
by Natiloportem Holdings, Inc.                          

6.    Metropolitan Life Seguros e Previdencia Privada S.A. (Brazil)-
     66.6617540% is owned by MetLife International Holdings, Inc.,
    33.3382457% is owned by MetLife Worldwide Holdings, Inc. and
0.0000003% is owned by Natiloportem Holdings, Inc.      

7.    MetLife Global, Inc. (DE)                                     

     8.    MetLife Administradora de Fundos Multipatrocinados Ltda. (Brazil) -
            95.46% is owned by MetLife International Holdings, Inc. and 4.54% is
owned by Natiloportem Holdings, Inc.                    

9.    MetLife Insurance Limited (United Kingdom)                    

10.   MetLife Limited (United Kingdom)                              

      11.   MetLife Insurance S.A./NV (Belgium) - 99.99999% of MetLife Insurance
    S.A./NV is owned by MetLife International Holdings, Inc. and
0.00001% by Natiloportem Holdings, Inc.                 

12.   MetLife Services Limited (United Kingdom)                     

13.   MetLife Europe R Limited (Ireland)                            

   14.   MetLife Seguros de Retiro S.A. (Argentina) - 96.8488% is owned by
    MetLife International Holdings, Inc. and 3.1512% is owned by
Natiloportem Holdings, Inc.                             

15.   Best Market S.A. (Argentina) - 5% of the shares are held by   
Natiloportem Holdings, Inc. and 95% is owned by MetLife 
International Holdings Inc.                             

 16.   Compania Previsional MetLife S.A. (Brazil) - 95.46% is owned by
  MetLife International Holdings, Inc. and 4.54% is owned by
Natiloportem Holdings, Inc.                             

    (a)    Met AFJP S.A. (Argentina) - 75.41% of the shares of Met
            AFJP S.A. are held by Compania Previsional MetLife S.A.,
             19.59% is owned by MetLife Seguros de Vida S.A., 3.97% is
            held by Natiloportem Holdings, Inc. and 1.03% is held by
MetLife Seguros de Retiro S.A.              

17.   MetLife Worldwide Holdings, Inc. (DE)                         

      a)    MetLife Towarzystwo Ubezpieczen na Zycie Spolka Akcyjna.
(Poland)                                    

b)    MetLife Direct Co., LTD. (Japan)                  

c)    MetLife Limited (Hong Kong)                       

18.   MetLife NC Limited (Ireland)                                  

19.   MetLife Europe Services Limited (Ireland)                     

20.   MetLife International Limited, LLC (DE)                       

   21.   MetLife Planos Odontologicos Ltda. (Brazil) - 99.999% is owned by
  MetLife International Holdings, Inc. and .001% is owned by
Natiloportem Holdings, Inc.                             

22.   MetLife Ireland Holdings One Limited (Ireland)                

         A.    MetLife Global Holdings Corporation S.A. de C.V. (Mexico) -
              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)

                          1)    MetLife Services (Singapore) PTE Limited
   (Singapore)

                    2)    The Direct Call Centre PTY Limited
   (Australia)

                             3)    MetLife Investments PTY Limited (Australia)

                        4)    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) - 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)- 98.70541% is owned
                      by Metropolitan Global Management, LLC and
                      1.29459% 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 Insurance Company of Korea Limited (South
                          Korea)- 14.64% of MetLife Insurance Company of
                           Korea Limited is owned by MetLife, Mexico, S.A.
                      and 85.36% is owned by Metropolitan Global
Management, LLC     

  23.   Inversiones Metlife Holdco Dos Limitada (Chile)- 99% is owned by
            Metlife International Holdings, Inc. and 1% is owned by Natiloportem
Holdings, Inc.                                          

Q.    Metropolitan Life Insurance Company (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)   One Madison Investments (Cayco) Limited (Cayman
                             Islands)- 99.99999% voting control of One Madison
                          Investments (Cayco) Limited is held by Convent
                              Station Euro Investments Four Company and 0.00001%
                       by St. James Fleet Investments Two Limited.

 3.    CRB Co., Inc. (MA)- AEW Real Estate Advisors, Inc. holds 49,000
      preferred non-voting shares and AEW Advisors, Inc. holds 1,000
preferred non-voting shares of CRB, Co., Inc.           

4.    MLIC Asset Holdings II LLC (DE)                               

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5.    Thorngate, 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 (Barbados), Inc. (Barbados)              

11.   Metropolitan Tower Realty Company, Inc. (DE)                  

a)    Midtown Heights, LLC (DE)                         

12.   MetLife Real Estate Cayman Company (Cayman Islands)           

13.   Metropolitan Marine Way Investments Limited (Canada)          

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.                     

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.   GenAmerica Financial, LLC (DE)                                

a)    GenAmerica Capital I (DE)                         

b)    General American Life Insurance Company (MO)      

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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) - 1% is owned by Headland -
Pacific Palisades, LLC and 99% is owned by Metropolitan 
Life Insurance Company.                                 

28.   Krisman, Inc. (MO)                                            

29.   Special Multi-Asset Receivables Trust (DE)                    

30.   White Oak Royalty Company (OK)                                

31.   500 Grant Street GP LLC (DE)                                  

   32.   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

33.   MetLife Canada/MetVie Canada (Canada)                         

34.   MetLife Retirement Services LLC (NJ)                          

a)   MetLife Investment Funds Services LLC (NJ)         

(i)   MetLife Associates LLC (DE)             

35.   Euro CL Investments LLC (DE)                                  

36.   MEX DF Properties, LLC (DE)                                   

   37.   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                  

38.   MetLife Properties Ventures, LLC (DE)                         

a)   Citypoint Holdings II Limited (United Kingdom)     

39.   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.                           

40.   MLIC Asset Holdings, LLC (DE)                                 

41.   85 Broad Street Mezzanine LLC (DE)                            

(a)   85 Broad Street LLC (DE)                          

42.   The Building at 575 Fifth Avenue Mezzanine LLC (DE)           

(a)   The Building at 575 Fifth LLC (DE)                

   43.   CML Columbia Park Fund I, LLC (DE)- 10% of membership interest is
           held by MetLife Insurance Company of Connecticut and 90% membership
interest is held by Metropolitan Life Insurance Company.

   44.   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.

R.    MetLife Capital Trust IV (DE)                                             

S.    MetLife Insurance Company of Connecticut (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 I, LLC (DE) - 67%
       is owned by MetLife Insurance Company of Connecticut and 33% is
owned by third party.                                   

      3.    Pilgrim Alternative Investments Opportunity Fund III Associates, LLC
           (CT) - 67% is owned by MetLife Insurance Company of Connecticut and
33% is owned by third party.                            

4.    Metropolitan Connecticut Properties Ventures, LLC (DE)        

a)    ML/VCC UT West Jordan, LLC (DE)                   

5.    MetLife Canadian Property Ventures LLC (NY)                   

6.    Euro TI Investments LLC (DE)                                  

7.    Greenwich Street Investments, LLC (DE)                        

  a)    Greenwich Street Capital Offshore Fund, Ltd. (Virgin
Islands)                                    

b)    Greenwich Street Investments, L.P. (DE)           

8.    One Financial Place Corporation (DE) - 100% is owned in the   
aggregate by MetLife Insurance Company of Connecticut.  

9.    Plaza LLC (CT)                                                

a)    Tower Square Securities, Inc. (CT)                

10.   TIC European Real Estate LP, LLC (DE)                         

11.   MetLife European Holdings, LLC (DE)                           

a) MetLife Europe Limited (Ireland)                     

  i) MetLife Pension Trustees Limited (United Kingdom)

b) MetLife Assurance Limited (United Kingdom)           

12.   Travelers International Investments Ltd. (Cayman Islands)     

13.   Euro TL Investments LLC (DE)                                  

14.   Corrigan TLP LLC (DE)                                         

15.   TLA Holdings LLC (DE)                                         

a)    The Prospect Company (DE)                         

i)    Panther Valley, Inc. (NJ)             

     16.   TRAL & Co. (CT) - TRAL & Co. is a general partnership. Its partners
          are MetLife Insurance Company of Connecticut and Metropolitan Life
Insurance Company.                                      

17.   MetLife Investors USA Insurance Company (DE)                  

a)    MetLife Renewables Holding, LLC (DE)              

i)    Greater Sandhill I, LLC (DE)          

18.   TLA Holdings II LLC (DE)                                      

19.   TLA Holdings III LLC (DE)                                     

  20.   MetLife Greenstone Southeast Ventures, LLC (DE) - 95% of MetLife
        Greenstone Southeast Ventures, LLC is owned by MetLife Insurance
          Company of Connecticut and 5% is owned by Metropolitan Connecticut
Properties Ventures, LLC                                

a.    MLGP Lakeside, LLC (DE)                           

T.    MetLife Reinsurance Company of South Carolina (SC)                        

U.    MetLife Investment Advisors Company, LLC (DE)                             

V.    MetLife Standby I, LLC (DE)                                               

1.   MetLife Exchange Trust I (DE)                                  

W.    MetLife Services and Solutions, LLC (DE)                                  

1.   MetLife Solutions Pte. Ltd. (Singapore)                        

i)    MetLife Services East Private Limited (India)       

    ii)   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.

X.    SafeGuard Health Enterprises, Inc. (DE)                                   

1.   SafeGuard Dental Services, 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)                              

Y.    MetLife Capital Trust X (DE)                                              

Z.    Cova Life Management Company (DE)                                         

AA.   MetLife Reinsurance Company of Charleston (SC)                            

AB.   MetLife Reinsurance Company of Vermont (VT)                               

AC.   Delaware American Life Insurance Company (US)                             

1.    GBN, LLC (US)                                                 

AD.   American Life Insurance Company (ALICO) (US)                              

1.    ALICO Nagasaki Operation Yugen Kaisha (Japan)                 

2.    Communication One Kabushiki Kaisha (Japan)                    

3.    Financial Learning Kabushiki Kaisha (Japan)                   

4.    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.         

5.    A.I.G. Limited (Nigeria)                                      

6.    ALICO Limited (Nigeria)                                       

7.    American Life Limited (Nigeria)                               

     8.    American Life Insurance Company (Pakistan) Ltd. (Pakistan) - 66.47%
            of American Life Insurance Company (Pakistan) Ltd. Is owned by ALICO
and the remaining interests are owned by third parties. 

9.    American Life Hayat Sigorta A.S. (Turkey)                     

  10.   ALICO (Bulgaria) Zhivotozastrahovatelno Druzestvo EAD (Bulgaria)

     11.   UBB - ALICO Zhivotozastrahovatelno Druzestvo AD (Bulgaria) - 40% of
            UBB-ALICO Zhivotozastrahovatelno Druzestvo is owned by ALICO and the
remaining interests are owned by third parties.         

12.   Amcico Pojistovna A.S. (Czech Republic)                       

13.   Hellenic ALICO Life Insurance Company Ltd. (Cyprus) - 27.5% of
            Hellenic ALICO Life Insurance Company Ltd. is owned by ALICO and the
remaining interests are owned by third parties.         

14.   ALICO S.A. (France)                                           

           a.    ALICO Direct (France) - 50% of ALICO Direct is owned by ALICO
        S.A. and the remaining interests by AIG Europe, S.A.

b.    ALICO Solutions S.A.S. (France)                   

     15.   ALICO Mutual Fund Management Company (Greece) - 90% of ALICO Mutual
   Fund Management Company is owned by ALICO and the remaining
interests are owned by third parties.                   

    16.   Hestis S.A. (France) - 66.06% of Hestis S.A. is owned by ALICO and
the remaining interests are owned by third parties.     

a.    Hestis Courtage Sarl (France)                     

17.   AHICO First American Hungarian Insurance Company (Elso        
Amerikai-Magyar Biztosito) Zrt (Hungary)                

         a.    First Hungarian-American Insurance Agency Limited (Hungary)

18.   ALICO Life International Limited (Ireland)                    

19.   ALICO Isle of Man Limited (Isle of Man)                       

20.   ALICO Italia S.p.A. (Italy)                                   

          a.    Agenvita S.r.L. (Italy) - 95% of Agenvita S.r.L. is owned by
            ALICO Italia S.p.A., the remaining 5% is owned by ALICO.

 21.   AMPLICO Life-First American Polish Life Insurance & Reinsurance
Company, S.A. (Poland)                                  

a.    Amplico Services Sp z.o.o. (Poland)               

          b.    AMPLICO Towartzystwo Funduszky Inwestycyjnych, S.A. (Poland)

            c.    AMPLICO Powszechne Towartzystwo Emerytalne S.A. (Poland) - 50%
                 of AMPLICO Powszechne Towarzystwo Emerytalne S.A. is owned by
       AMPLICO Life-First American Polish Life Insurance &
               Reinsurance Company, S.A. and the remaining 50% is owned by
ALICO.                                      

      22.   AIG Polska Towartzystwo Ubezpieczen S.A. (AIG PTU) (Poland) - 0.748%
          of AIG PTU is owned by ALICO and the remaining interests are owned
by third parties.                                       

23.   ALICO Asigurari Romania S.A. (Romania)                        

   a.    ALICO Societate de Administrare a unui Fond de Pensii
         Administrat Privat S.A. (Romania) - 99.9748% of ALICO
               Societate de Administrare a unui Fond de Pensii Administrat
           Privat S.A.is owned by ALICO Asigurari Romania S.A. and
 .0252% is owned by AMPLICO Services Sp z.o.o.

24.   International Investment Holding Company Limited (Russia)     

25.   ALICO European Holdings Limited (Ireland)                     

a.    ZAO Master D (Russia)                             

                 i.    ZAO ALICO Insurance Company (Russia) - 51% of ZAO ALICO
                     Insurance Company is owned by ZAO Master D and 49% is
owned by ALICO.                 

26.   ALICO Akcionarska Drustvoza za Zivotno Osiguranje (Serbia)    

27.   AMSLICO poist'ovna ALICO a.s. (Slovakia)                      

a.    ALICO Services Central Europe s.r.o. (Slovakia)   

     b.    ALICO Funds Central Europe sprav.spol., a.s. (Slovakia)

     28.   ALICO AIG Europe A.I.E. (Spain) - 50% of Alico AIG Europe A.I.E. is
       owned by ALICO and the remaining interests are owned by a third
party.                                                  

29.   ALICO Gestora de Fondos y Planos de Pensiones S.A. (Spain)    

30.   ALICO Management Services Limited (United Kingdom)            

31.   ZEUS Aministration Services Limited (United Kingdom)          

    32.   ALICO Trustees (UK) Ltd. (UK) - 50% of ALICO Trustees (UK) Ltd. is
owned by ALICO and the remaining interests are owned by 
International Technical and Advisory Services Limited.  

33.   PJSC ALICO Ukraine (Ukraine)                                  

34.   Borderland Investments Limited (USA-Delaware)                 

           a.    ALICO Hellas Single Member Limited Liability Company (Greece)

      35.   International Technical and Advisory Services Limited (USA-Delaware)

36.   International Services Incorporated (Delaware)                

37.   ALICO Operations Inc. (USA-Delaware)                          

a.    ALICO Asset Management Corp. (Japan)              

      38.   ALICO Compania de Seguros de Retiro, S.A. (Argentina) - 90% of ALICO
        Compania de Seguros de Retiro, S.A. is owned by ALICO and 10% by
International Technical & Advisory Services.            

     39.   ALICO Compania de Suguros, S.A. (Argentina) - 90% of ALICO Compania
   de Suguros, S.A. is owned by ALICO and 10% by International
Technical & Advisory Services.                          

      40.   ALICO Colombia Seguros de Vida S.A. (Colombia) - 94.989811% of ALICO
            Colombia Seguros de Vida S.A. is owned by ALICO, 5.0100030% is owned
        by International Technical and Advisory Services Limited and the
remaining interests are owned by third parties.         

41.   Inversiones Interamericana S.A. (Chile) 99.99% of Inversiones 
       Interamericana S.A. is owned by ALICO and .01% by International
Technical & Advisory Services.                          

       a.    Administradora de Fondos Para la Vivienda Intercajas S.A.
              (Chile) - 40% of Administradora De Fondos Para la Vivienda
               Intercajas S.A. is owned by Inversiones Interamericana S.A.
           and the remaining interests are owned by a third party.

        b.    La Interamericana Compania de Seguros de Vida S.A. (Chile)

        c.    ALICO Costa Rica S.A. (Costa Rica) - 99.99% of ALICO Costa
                  Rica S.A. is owned by Inversiones Interamericana S.A. and .01%
         by La Interamericana Compania de Seguros de Vida S.A.

            d.    Legal Chile S.A. (Chile) - 51% of Legal Chile S.A. is owned by
                  Inversiones Interamericana S.A. and the remaining interests by
a third party.                              

                  i.    Legagroup S.A. (Chile) - 99% is owned by Legal Chile and
1% is owned by a third party.   

42.   ALICO Mexico Compania de Seguros, S.A. de C.V. (Mexico)       

43.   ALICO Services, Inc. (Panama)                                 

      44.   American Life and General Insurance Company (Trinidad & Tobago) Ltd.
            - 80.92373% of American Life and General Insurance Company (Trinidad
        & Tobago) Ltd. is owned by ALICO and the remaining interests are
owned by a third party.                                 

a.    ALGICO Properties, Ltd. (Trinidad & Tobago)       

45.   Inversiones Inversegven C.A. (Venezuela) - 50% of Inversiones 
          Inversegven C.A. is owned by ALICO and the remaining interests are
owned by a third party.                                 

     a.    Seguros Venezuela C.A. (Venezuela) - 92.797% of Seguros
                  Venzuela C.A. is owned by Inversiones Inversegven C.A. and the
remaining interests are owned by others.    

i.  Sindicato El Trigal C.A. (Venzuela) 

                ii.  Servicios Segveca C.A. (Venezuela) - 50% of Servicios
                       Segveca C.A. is owned by Seguros Venezuela C.A. and the
               remaining interests are owned by a third party.

               iii.  Inversiones 601 C.A. (Venezuela) - 30% of Inversiones
                   601 C.A. is owned by Seguros Venezuela C.A. and the
               remaining interests are owned by a third party.

46.   ALICO Compania de Seguros de Vida, S.A. (Uruguay)             

  47.   ALICO Properties, Inc. (USA-Delaware) - 51% of ALICO Properties,
         Inc. is owned by ALICO and the remaining interests are owned by a
third party.                                            

48.   Global Properties, Inc. (USA-Delaware)                        

49.   Alpha Properties, Inc. (USA-Delaware)                         

50.   Beta Properties, Inc. (USA-Delaware)                          

51.   Delta Properties Japan, Inc. (USA-Delaware)                   

52.   Epsilon Properties Japan, Inc.                                

53.   Iris Properties, Inc. (USA-Delaware)                          

54.   Kappa Properties Japan, Inc. (USA-Delaware)                   

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.                                                                        

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ITEM 27. NUMBER OF CONTRACTOWNERS.                                              

As of January 31, 2011; Qualified 75,898                              

ITEM 28. INDEMNIFICATION.                                                       

   UNDERTAKING PURSUANT TO RULE 494 (a) (1) UNDER THE SECURITIES ACT OF 1933

  MetLife, Inc. has secured a Financial Institutions Bond in the amount of
$50,000,000, subject to a $5,000,000 deductible. MetLife, Inc. also maintains a 
Directors' and Officers' liability policy with a limit of $400 million. The     
directors and officers of Metropolitan Life Insurance Company ("Metropolitan"), 
a subsidiary of MetLife, Inc., are also covered under the Financial Institutions
Bond as well as under the directors' and Officers' Liability policy. A provision
in Metropolitan's by-laws provides for the indemnification (under certain       
circumstances) of individuals serving as directors or officers of Metropolitan. 

   Insofar as indemnification for liability arising under the Securities Act
of 1933 may be permitted to directors, officers and controlling persons of      
Metropolitan pursuant to the foregoing provisions, or otherwise, Metropolitan   
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 Metropolitan of expenses incurred   
or paid by a director, officer or controlling person of Metropolitan 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, Metropolitan 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 UNDERWRITER                                                  

MetLife Investors Distribution Company also serves as principal underwriter and 
distributor of the Contracts. MetLife Investors Distribution Company is the     
principal underwriter for the following investment companies:                   

Met Investors Series Trust                                                      
Metropolitan Series Fund, Inc.                                                  
Metropolitan Life Separate Account E                                            

Metropolitan Life Separate Account UL                                           
Metropolitan Tower Separate Account One                                         
Metropolitan Tower Separate Account Two                                         

MetLife Investors USA Separate Account A                                        

MetLife Investors USA Variable Life Account A                                   

MetLife Investors Variable Annuity Account One                                  
MetLife Investors Variable Annuity Account Five                                 
MetLife Investors Variable Life Account One                                     
MetLife Investors Variable Life Account Five                                    
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 26                                             
Security Equity Separate Account 27                                             

MetLife of CT Separate Account Eleven for Variable Annuities                    
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 I                           
Metropolitan Life Variable Annuity Separate Account II                          
Paragon Separate Account A                                                      
Paragon Separate Account B                                                      
Paragon Separate Account C and                                                  
Paragon Separate Account D.                                                     

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(b)  MetLife Investors Distribution Company is the principal underwriter for the
Contracts. The following persons are officers and directors of MetLife
    Investors Distribution Company. The principal business address for MetLife
Investors Distribution Company is 5 Park Plaza, Suite 1900, Irvine, CA
92614.                                                                

NAME AND PRINCIPAL                                                              
BUSINESS ADDRESS               POSITIONS AND OFFICES WITH UNDERWRITER           
--------------------------     -------------------------------------------------
Michael K. Farrell             Director                                         
10 Park Avenue, 1st Floor                                                       
Morristown, NJ 07962                                                            

Craig W. Markham               Director and Vice President                      
13045 Tesson Ferry Road                                                         
St. Louis, MO 63128                                                             

William J. Toppeta             Director                                         
1095 Avenue of the Americas                                                     
New York, New York 10036                                                        

Paul A. Sylvester              President, National Sales Manager- Annuities &   
10 Park Avenue                 LTC                                              
Morristown, NJ 07962                                                            

Elizabeth M. Forget            Executive Vice President, Investment Fund        
1095 Avenue of the Americas    Management & Marketing                           
New York, New York 10036                                                        

Paul A. LaPiana                Executive Vice President, National Sales         
5 Park Plaza                   Manager-Life                                     
Suite 1900                                                                      
Irvine, CA 92614                                                                

Andrew Aiello                  Senior Vice President, Channel Head-National     
5 Park Plaza                   Accounts                                         
Suite 1900                                                                      
Irvine, CA 92614                                                                

Jeffrey A. Barker              Senior Vice President, Channel Head-Independent  
1 MetLife Plaza                Accounts                                         
27-01 Queens Plaza North                                                        
Long Island City, NY 11101                                                      

Douglas P. Rodgers             Senior Vice President, Channel Head-LTC          
10 Park Avenue                                                                  
Morristown, NJ 07962                                                            

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Curtis Wohlers                 Senior Vice President, National Sales Manager,   
1 MetLife Plaza                Independent Planner and Insurance Advisors       
27-01 Queens Plaza North                                                        
Long Island City, NY 11101                                                      

Jay S. Kaduson                 Senior Vice President                            
10 Park Avenue                                                                  
Morristown, NJ 07962                                                            

John G. Martinez               Vice President, Chief Financial Officer          
501 Route 22                                                                    
Bridgewater, NJ 08807                                                           

Debora L. Buffington           Vice President, Director of Compliance           
5 Park Plaza                                                                    
Suite 1900                                                                      
Irvine, CA 92614                                                                

David DeCarlo                  Vice President                                   
5 Park Plaza                                                                    
Suite 1900                                                                      
Irvine, CA 92614                                                                

Paul M. Kos                    Vice President                                   
5 Park Plaza                                                                    
Suite 1900                                                                      
Irvine, CA 92614                                                                

Cathy Sturdivant               Vice President                                   
5 Park Plaza                                                                    
Suite 1900                                                                      
Irvine, CA 92614                                                                

Paulina Vakouros               Vice President                                   
1095 Avenue of the Americas                                                     
New York, New York 10036                                                        

Rashid Ismail                  Vice President                                   
5 Park Plaza                                                                    
Suite 1900                                                                      
Irvine, CA 92614                                                                

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Deron J. Richens             Vice President                                     
5 Park Plaza                                                                    
Suite 1900                                                                      
Irvine, CA 92614                                                                

Cathy Sturdivant             Vice President                                     
5 Park Plaza                                                                    
Suite 1900                                                                      
Irvine, CA 92614                                                                

Jonnie L. Crawford           Assistant Secretary                                
5 Park Plaza                                                                    
Suite 1900                                                                      
Irvine, CA 92614                                                                

James W. Koeger              Assistant Treasurer                                
13045 Jesson Ferry Rd                                                           
St. Louis, MO 63128                                                             

James R. Allen               Assistant Treasurer                                
5 Park Plaza                                                                    
Suite 1900                                                                      
Irvine, CA 92614                                                                

Joseph A. Zdeb               Assistant Vice President                           
1095 Avenue of the                                                              
Americas                                                                        
New York, NY 10036                                                              

Timothy J. McLinden          Assistant Vice President                           
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]

                                                (2)                                                     
                 (1)                        NET UNDERWRITING         (3)            (4)           (5)   
          NAME OF PRINCIPAL                 DISCOUNTS AND     COMPENSATION ON   BROKERAGE       OTHER   
             UNDERWRITER                     COMMISSIONS         REDEMPTION    COMMISSIONS  COMPENSATION
-----------------------------------------  ----------------   ---------------  -----------  ------------
                                                                                                        
MetLife Investors Distribution Company       $371,735,947           $0              $0            $0    

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ITEM 30. LOCATION OF ACCOUNT AND RECORDS.                                       

Metropolitan Life Insurance Company                                   
200 Park Avenue                                                       
New York, N.Y. 10166                                                  

ITEM 31. MANAGEMENT SERVICES.                                                   

Not Applicable                                                        

ITEM 32. UNDERTAKINGS.                                                          

   (a) The undersigned registrant hereby undertakes to file a post-effective
amendment to this registration statement as frequently as is necessary to ensure
that the financial statements in this registration statement are not more than  
16 months old for as long as payments under these variable annuity contracts may
be accepted.                                                                    

    (b) The undersigned registrant hereby undertakes to include a post card or
similar written communication affixed to or included in the prospectus that the 
applicant can remove to send for a Statement of Additional Information.         

   (c) The undersigned registrant hereby undertakes to deliver any Statement
of Additional Information and any financial statements required to be made      
available under this form promptly upon written or oral request.                

(d) The undersigned registrant represents that it is relying on the   
exemptions form certain provisions of Sections 22(e) and 27 of the Investment   
Company Act of 1940 provided by Rule 6c-7 under the Act. The registrant further 
represents that the provisions of paragraph (a) - (d) of Rule 6c-7 have been    
complied with.                                                                  

(e) Metropolitan Life Insurance Company represents that the fees and  
charges deducted under the Deferred Annuity described in this Registration      
Statement, in the aggregate, are reasonable in relation to the services         
rendered, the expenses to be incurred, and the risks assumed by Metropolitan    
Life Insurance Company under the Deferred Annuity.                              

(f) The undersigned registrant represents that for its TSA Deferred   
Annuities it is relying on the "no-action" position of the Commission staff as  
contained in its November 7, 1988 letter to the American Council of Life        
Insurance and has complied with the provisions of numbered paragraphs (1) - (4) 
of such letter.                                                                 

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SIGNATURES

     As required by the Securities Act of 1933 and the Investment Company Act of
1940, the Registrant certifies that it meets the requirements of Securities Act 
Rule 485(b) for effectiveness of this registration statement and has caused this
Registration Statement to be signed on its behalf, in the City of New York, and 
State of New York on this 12th, day of April 2011.                              

                                  METROPOLITAN LIFE SEPARATE ACCOUNT E
          (Registrant)

                             By: METROPOLITAN LIFE INSURANCE
                 COMPANY (Depositor)

                           By:    /s/  PAUL G. CELLUPICA
                                         -----------------------------------
                                   Paul G. Cellupica
                                        Chief Counsel, Securities Products
                                and Regulation

                         METROPOLITAN LIFE INSURANCE
                 COMPANY (Depositor)

                           By:    /s/  PAUL G. CELLUPICA
                                         -----------------------------------
                                   Paul G. Cellupica
                                        Chief Counsel, Securities Products
                                and Regulation

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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 and on the dates         
indicated.                                                                      

   Signature                          Title                   Date
   ---------                          -----                   ----

*                  Chairman, President, Chief       
-----------------------------      Executive Officer and Director               

C. Robert Henrikson                                                   

*                  Executive Vice President and     
-----------------------------      Chief Accounting Officer                     
Peter M. Carlson                                                      

*                  Executive Vice President and     
-----------------------------      Chief Financial Officer                      
William J. Wheeler                                                    

Director      
-----------------------------                                                   
Sylvia Mathews Burwell                                                  

*                  Director                         
-----------------------------                                                   
Eduardo Castro-Wright                                                 

*                  Director                         
-----------------------------                                                   
Cheryl W. Grise                                                   

*                  Director                         
-----------------------------                                                   
R. Glenn Hubbard                                                    

*                  Director                         
-----------------------------                                                   
John M. Keane                                                   

*                  Director                         
-----------------------------                                                   
Alfred F. Kelly, Jr.                                                

*                  Director                         
-----------------------------                                                   
James M. Kilts                                                

*                  Director                         
-----------------------------                                                   
Catherine R. Kinney                                                   

*                  Director                         
-----------------------------                                                   
Hugh P. Price                                                   

*                  Director                         
-----------------------------                                                   
David Satcher                                                   

*                  Director                         
-----------------------------                                                   
Kenton J. Sicchitano                                                    

*                  Director                         
-----------------------------                                                   
Lulu C. Wang                                                          

By:    /s/  Myra L. Saul                                      April 12, 2011    
--------------------------                                                
*By Myra L. Saul                                                    
Attorney-in-Fact                                                  

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