Metlife Investors USA Separate Account A, et al. – ‘485BPOS’ on 4/20/11

On:  Wednesday, 4/20/11, at 4:30pm ET   ·   Effective:  5/1/11   ·   Accession #:  1193125-11-103734   ·   File #s:  333-54464, 811-03365

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Document/Exhibit                   Description                      Pages   Size 

 1: 485BPOS     Mli Usa Series Va Post-Effective Amendment No. 39    513   2.62M 
 2: EX-5.(VII)  Form of Variable Annuity Application                   5±    29K 
 3: EX-99.10    Consent of Independent Registered Public               1      7K 
                          Accounting Firm (Deloitte & Touche LLP)                
 4: EX-99.13    Powers of Attorney                                    11     75K 

485BPOS   —   Mli Usa Series Va Post-Effective Amendment No. 39
Document Table of Contents

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As filed with the Securities and Exchange Commission on April 20, 2011  

                                                             File Nos. 333-54464

                                                                       811-03365

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM N-4

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 

Pre-Effective Amendment No. 

                                                                              []

Post-Effective Amendment No. 39 

                                                                             [x]
and 

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940 

Amendment No. 381 

                                                                             [x]
(Check Appropriate Box or Boxes)

MetLife Investors USA Separate Account A

(Exact Name of Registrant)

MetLife Investors USA Insurance Company 

5 Park Plaza, Suite 1900 Irvine, California 92614 

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

Depositor's Telephone Number, including Area Code 

(800) 989-3752

(Name and Address of Agent for Service) 

Michael K. Farrell

President 

MetLife Investors USA Insurance Company 

c/o 10 Park Avenue

Morristown, NJ 07962

(973) 355-4000

COPIES TO:  

W. Thomas Conner

Sutherland Asbill & Brennan LLP 

1275 Pennsylvania Avenue, NW

Washington, DC 20004-2415 

(202) 383-0590

(Approximate Date of Proposed Public Offering)

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

[]     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.                      

If appropriate, check the following box:                                        

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

Title of Securities Registered: Individual Variable Annuity Contracts           

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 METLIFE INVESTORS USA INSURANCE COMPANY
METLIFE INVESTORS USA SEPARATE ACCOUNT A

SUPPLEMENT DATED MAY 1, 2011 TO PROSPECTUSES DATED MAY 1, 2011

For contracts issued on or after November 13, 2006 (or a later date, subject to 
state approval), this supplement describes the annuity date provision under the 
contract offered by the selling firm to which your account representative is    
associated. This supplement applies to the Series XC, C, L and VA variable      
annuity contracts issued by MetLife Investors USA Insurance Company ("we," "us,"
or "our"). This supplement provides information in addition to that contained in
the prospectus dated May 1, 2011 for the contract. It should be read in its     
entirety and kept together with your prospectus for future reference. If you    
would like another copy of the prospectus, write to us at 5 Park Plaza, Suite   
1900, Irvine, CA 92614 or call us at (800) 343-8496 to request a free copy.     

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

1. ANNUITY DATE                                                                 

In the "ANNUITY PAYMENTS (THE INCOME PHASE)--Annuity Date" section of the       
prospectus, replace the second and third paragraphs with the following:         

   When you purchase the contract, the annuity date will be the later of the
    first day of the calendar month after the annuitant's 90th birthday or ten
(10) years from the date your contract was issued. You can change the 
    annuity date at any time before the annuity date with 30 days prior notice
   to us. However, if you have bought your contract through the selling firm
    to which your account representative is associated, you cannot change your
    annuity date to a date beyond age 95 of the annuitant unless your contract
 is held through a custodial account, such as an IRA held in a custodial
     account (see "Other Information--Annuitant" for the definition of annuitant
and permitted changes of the annuitant).                              

   PLEASE BE AWARE THAT ONCE YOUR CONTRACT IS ANNUITIZED, YOU ARE INELIGIBLE
   TO RECEIVE THE DEATH BENEFIT YOU HAVE SELECTED. ADDITIONALLY, IF YOU HAVE
   ELECTED A LIVING BENEFIT RIDER SUCH AS A GUARANTEED WITHDRAWAL BENEFIT, A
   GUARANTEED MINIMUM INCOME BENEFIT, OR THE GUARANTEED MINIMUM ACCUMULATION
  BENEFIT, AND THE RIDER CONTINUES IN EFFECT AT THE TIME OF ANNUITIZATION,
     ANNUITIZING YOUR CONTRACT TERMINATES THE RIDER, INCLUDING ANY DEATH BENEFIT
PROVIDED BY THE RIDER AND ANY GUARANTEED PRINCIPAL ADJUSTMENT (FOR THE
     LIFETIME WITHDRAWAL GUARANTEE RIDERS, THE GUARANTEED MINIMUM INCOME BENEFIT
PLUS RIDERS, AND (WHERE AVAILABLE) THE GMIB MAX RIDER) OR GUARANTEED  
ACCUMULATION PAYMENT (FOR THE GUARANTEED MINIMUM ACCUMULATION BENEFIT 
    RIDER) THAT MAY ALSO BE PROVIDED BY THE RIDER. For a Guaranteed Withdrawal
  Benefit rider where annuitization must occur no later than age 95 of the
   annuitant, there are several annuity income options to choose from during
   the annuity phase that you should be aware of. (See "Annuitization" below
in this prospectus supplement).                                       

2. LIFETIME WITHDRAWAL GUARANTEE--REMAINING GUARANTEED WITHDRAWAL AMOUNT        

In the "Description of the Lifetime Withdrawal Guarantee II" section of the     
"LIVING BENEFITS" section of the prospectus, replace the last bullet item under 
the heading "It is important to note" with the following:                       

     At any time during the accumulation phase, you can elect to annuitize under
     current annuity rates in lieu of continuing the LWG II or LWG I rider. Your
   contract must be annuitized when the annuitant attains age 95 unless your
 contract is held through a custodial account. Annuitization may provide

                                                                   SUPP-MLFAN511

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  higher income amounts if the current annuity option rates applied to the
   Adjusted Contract Value on the Annuity Date exceed the payments under the
   LWG II or LWG I rider. Also, the tax treatment under annuitization may be
    different from the tax treatment of the payments received under the LWG II
  or LWG I rider. (See "Annuitization" below in this prospectus supplement
and "Federal Income Tax Status -- Withdrawals" in the prospectus.)    

3. ANNUITIZATION                                                                

Add the following at the end of the "Guaranteed Withdrawal Benefits" section of 
the "LIVING BENEFITS" section of the prospectus, just before the "Guaranteed    
Minimum Accumulation Benefit" section:                                          

 GUARANTEED WITHDRAWAL BENEFIT AND ANNUITIZATION. AT ANY TIME DURING THE
    ACCUMULATION PHASE, YOU CAN ELECT TO ANNUITIZE UNDER CURRENT ANNUITY RATES
IN LIEU OF CONTINUING ANY GUARANTEED WITHDRAWAL BENEFIT RIDER. FOR    
     CONTRACTS ISSUED ON OR AFTER NOVEMBER 13, 2006 (OR A LATER DATE, SUBJECT TO
   STATE APPROVAL), WHEN THE ANNUITANT ATTAINS AGE 95, YOUR CONTRACT MUST BE
   ANNUITIZED UNLESS YOUR CONTRACT IS HELD THROUGH A CUSTODIAL ACCOUNT. (SEE
"ANNUITY DATE" ABOVE IN THIS PROSPECTUS SUPPLEMENT.) AT THE REQUIRED  
ANNUITIZATION DATE YOU MUST SELECT ONE OF THE FOLLOWING ANNUITY INCOME
OPTIONS:                                                              

   1)   Annuitize the account value under the contract's annuity provisions.

   2)   Elect to receive the Annual Benefit Payment paid each year until the
       Remaining Guaranteed Withdrawal Amount (for the Lifetime Withdrawal
    Guarantee riders) or Benefit Base (for GWB I or Enhanced GWB) is
         depleted. These payments will be equal in amount, except for the last
       payment that will be in an amount necessary to reduce the Remaining
Guaranteed Withdrawal Amount or Benefit Base to zero.       

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

Since the annuity date at the time you purchase the contract is the later of age
90 of the annuitant or 10 years from contract issue date, you will need to make 
an election if you would like to extend your annuity date to age 95 of the      
annuitant, or later if your contract is held through a custodial account. At the
time of annuitization, you will need to select an annuity income option from one
of the above referenced payout options (or any other annuity income option      
available under your contract) (see "ANNUITY PAYMENTS (THE INCOME               
PHASE)--Annuity Options" in the prospectus). The default annuity income option  
is a life annuity with 10 years of annuity payments guaranteed. We will increase
your payments so your aggregate payments will not be less than what you would   
have received under a GWB rider, including the LWG II or LWG I.                 

THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE

Distributor:                                                                    
MetLife Investors Distribution Company                   Telephone: 800-343-8496
5 Park Plaza, Suite 1900, Irvine, CA 92614                                      

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                                                 THE VARIABLE ANNUITY CONTRACT

                                                                       ISSUED BY

                                       METLIFE INVESTORS USA INSURANCE COMPANY

                                                                             AND

                                      METLIFE INVESTORS USA SEPARATE ACCOUNT A

                                                                       SERIES VA

                                                                     MAY 1, 2011

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

The annuity contract has 60 investment choices - a fixed account that offers an 
interest rate guaranteed by us, and 59 investment portfolios listed below.      

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

American Funds (Reg. TM) Bond Portfolio (Class C)                     

American Funds (Reg. TM) Growth Portfolio (Class C)                   

American Funds (Reg. TM) International Portfolio (Class C)            

BlackRock High Yield Portfolio                                        

Clarion Global Real Estate Portfolio                                  

Goldman Sachs Mid Cap Value Portfolio                                 

Harris Oakmark International Portfolio                                

Invesco Small Cap Growth Portfolio                                    

Janus Forty Portfolio                                                 

Lazard Mid Cap Portfolio                                              

Legg Mason ClearBridge Aggressive Growth Portfolio                    

Loomis Sayles Global Markets Portfolio                                

Lord Abbett Bond Debenture Portfolio                                  

Lord Abbett Mid Cap Value Portfolio                                   

Met/Eaton Vance Floating Rate Portfolio                               

Met/Franklin Low Duration Total Return Portfolio                      

Met/Franklin Mutual Shares Portfolio                                  

Met/Templeton International Bond Portfolio*                           

MFS (Reg. TM) Emerging Markets Equity Portfolio                       

MFS (Reg. TM) Research International Portfolio                        

PIMCO Inflation Protected Bond Portfolio                              

PIMCO Total Return Portfolio                                          

Pioneer Fund Portfolio                                                

Pioneer Strategic Income Portfolio (Class E)                          

Rainier Large Cap Equity Portfolio                                    

RCM Technology Portfolio                                              

T. Rowe Price Large Cap Value Portfolio                               

(formerly Lord Abbett Growth and Income Portfolio)            

T. Rowe Price Mid Cap Growth Portfolio                                

Third Avenue Small Cap Value Portfolio                                

Turner Mid Cap Growth Portfolio                                       

Van Kampen Comstock Portfolio                                         

* This portfolio is only available for investment if certain optional riders    
are elected. (See "Purchase -  Investment Allocation Restrictions for Certain   
Riders.")                                                                       

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METROPOLITAN SERIES FUND, INC.:                                                 

Barclays Capital Aggregate Bond Index Portfolio                       

(Class G)                                                     

BlackRock Money Market Portfolio (Class B)                            

Davis Venture Value Portfolio (Class E)                               

Jennison Growth Portfolio (Class B)                                   

Met/Artisan Mid Cap Value Portfolio (Class B)                         

Met/Dimensional International Small Company Portfolio (Class B)       

MetLife Mid Cap Stock Index Portfolio (Class G)                       

MetLife Stock Index Portfolio (Class B)                               

Morgan Stanley EAFE (Reg. TM) Index Portfolio (Class G)               

Russell 2000 (Reg. TM) Index Portfolio (Class G)                      

Van Eck Global Natural Resources Portfolio (Class B)*                 

Western Asset Management U.S. Government Portfolio (Class B)          

MET INVESTORS SERIES TRUST - METLIFE ASSET ALLOCATION PROGRAM (CLASS B):        

MetLife Defensive Strategy Portfolio                                  

MetLife Moderate Strategy Portfolio                                   

MetLife Balanced Strategy Portfolio                                   

MetLife Growth Strategy Portfolio                                     

MetLife Aggressive Strategy Portfolio                                 

MET INVESTORS SERIES TRUST - AMERICAN FUNDS (Reg. TM) ASSET ALLOCATION          
PORTFOLIOS                                                                      

(CLASS C):                                                                      

American Funds (Reg. TM) Moderate Allocation Portfolio                

American Funds (Reg. TM) Balanced Allocation Portfolio                

American Funds (Reg. TM) Growth Allocation Portfolio                  

MET INVESTORS SERIES TRUST - FRANKLIN TEMPLETON ASSET ALLOCATION PORTFOLIO      
(CLASS B):                                                                      

Met/Franklin Templeton Founding Strategy Portfolio                    

MET INVESTORS SERIES TRUST - SSGA ETF PORTFOLIOS (CLASS B):                     

SSgA Growth and Income ETF Portfolio                                  

SSgA Growth ETF Portfolio                                             

MET INVESTORS SERIES TRUST - GMIB MAX AND EDB MAX PORTFOLIOS (CLASS B):         

AllianceBernstein Global Dynamic Allocation Portfolio*                

AQR Global Risk Balanced Portfolio*                                   

BlackRock Global Tactical Strategies Portfolio*                       

MetLife Balanced Plus Portfolio*                                      

Pyramis (Reg. TM) Government Income Portfolio*                        

* This portfolio is only available for investment if certain optional riders    
are elected. (See "Purchase -  Investment Allocation Restrictions for Certain   
Riders.")                                                                       

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

To learn more about the MetLife Investors USA Variable Annuity Contract, you can
obtain a copy of the Statement of Additional Information (SAI) dated May 1,     
2011. The SAI has been filed with the Securities and Exchange Commission (SEC)  
and is legally a part of the prospectus. The SEC maintains a Web site           
(http://www.sec.gov) that contains the SAI, material incorporated by reference, 
and other information regarding companies that file electronically with the SEC.
The Table of Contents of the SAI is on 94 of this prospectus. For a free copy of
the SAI, call us at (800) 343-8496, visit our website at                        
WWW.METLIFEINVESTORS.COM, or write to us at: 5 Park Plaza,                      
Suite 1900, Irvine, CA 92614.                                                   

The contracts:                                                                  

o  are not bank deposits                                                        

o  are not FDIC insured                                                         

o  are not insured by any federal government agency                             

o  are not guaranteed by any bank or credit union                               

o  may be subject to loss of principal                                          

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

May 1, 2011                                                                     

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TABLE OF CONTENTS                                                               

                                                                [Download Table]
                                            
INDEX OF SPECIAL TERMS..................  5 
HIGHLIGHTS..............................  7 
FEE TABLES AND EXAMPLES.................  9 
1. THE ANNUITY CONTRACT................. 18 
     Market Timing...................... 18 
2. PURCHASE............................. 19 
     Purchase Payments.................. 19 
     Termination for Low Account Value   19 
  .                                         
     Allocation of Purchase Payments.... 19 
     Investment Allocation Restrictions     
for Certain                                 
       Riders........................... 20 
     Free Look.......................... 24 
     Accumulation Units................. 24 
     Account Value...................... 25 
     Replacement of Contracts........... 25 
3. INVESTMENT OPTIONS................... 25 
     Transfers.......................... 28 
     Dollar Cost Averaging Programs..... 31 
     Three Month Market Entry Program... 32 
     Automatic Rebalancing Program...... 32 
     Description of the MetLife Asset       
Allocation                                  
       Program.......................... 33 
     Description of the American Funds      
(Reg. TM) Asset                             
       Allocation Portfolios............ 33 
     Description of the Met/Franklin        
Templeton                                   
       Founding Strategy Portfolio...... 34 
     Description of the SSgA ETF         34 
  Portfolios  .                             
     Voting Rights...................... 34 
     Substitution of Investment Options  35 
  .                                         
4. EXPENSES............................. 35 
     Product Charges.................... 35 
     Account Fee........................ 36 
     Guaranteed Minimum Income              
       Benefit - Rider Charge........... 36 
     Lifetime Withdrawal Guarantee and      
Guaranteed                                  
       Withdrawal Benefit - Rider        37 
  Charge  .                                 
     Guaranteed Minimum Accumulation        
       Benefit - Rider Charge........... 38 
     Withdrawal Charge.................. 39 
     Reduction or Elimination of the        
Withdrawal                                  
       Charge........................... 39 
     Premium and Other Taxes............ 40 
     Transfer Fee....................... 40 
     Income Taxes....................... 40 
     Investment Portfolio Expenses...... 40 
5. ANNUITY PAYMENTS                         
     (THE INCOME PHASE)................. 41 
     Annuity Date....................... 41 
     Annuity Payments................... 41 
     Annuity Options.................... 42 

                                                                [Download Table]
                                            
     Variable Annuity Payments.......... 43 
     Fixed Annuity Payments............. 43 
6. ACCESS TO YOUR MONEY................. 44 
     Systematic Withdrawal Program...... 45 
     Suspension of Payments or           45 
  Transfers  .                              
7. LIVING BENEFITS...................... 45 
     Overview of Living Benefit Riders   45 
  .                                         
     Guaranteed Income Benefits......... 46 
     Description of GMIB Max and GMIB    48 
  Plus III  .                               
     Description of GMIB Plus II........ 54 
     Description of GMIB Plus I......... 55 
     Description of GMIB II............. 56 
     Description of GMIB I.............. 57 
     Guaranteed Withdrawal Benefits..... 58 
     Description of the Lifetime            
Withdrawal Guarantee                        
       II............................... 59 
     Description of the Lifetime            
Withdrawal Guarantee                        
       I................................ 64 
     Description of the Enhanced            
Guaranteed                                  
       Withdrawal Benefit............... 65 
     Description of the Guaranteed          
Withdrawal Benefit                          
       I................................ 69 
     Guaranteed Minimum Accumulation     69 
  Benefit  .                                
8. PERFORMANCE.......................... 73 
9. DEATH BENEFIT........................ 73 
     Upon Your Death.................... 73 
     Standard Death Benefit - Principal  74 
  Protection  .                             
     Optional Death Benefit - Annual     74 
  Step-Up  .                                
     Optional Death Benefits - EDB Max      
and                                         
       Enhanced Death Benefit II........ 75 
     Description of Enhanced Death       79 
  Benefit I  .                              
     Optional Death Benefit -            80 
  Compounded-Plus  .                        
     Additional Death Benefit -             
Earnings Preservation                       
       Benefit.......................... 80 
     General Death Benefit Provisions... 81 
     Spousal Continuation............... 82 
     Death of the Annuitant............. 82 
     Controlled Payout.................. 82 
10. FEDERAL INCOME TAX STATUS........... 83 
     Taxation of Non-Qualified           83 
  Contracts  .                              
     Taxation of Qualified Contracts.... 85 
     Puerto Rico Tax Considerations..... 88 
     Tax Benefits Related to the Assets     
of the Separate                             
       Account.......................... 88 
     Possible Tax Law Changes........... 88 
11. OTHER INFORMATION................... 89 
     MetLife Investors USA.............. 89 
     The Separate Account............... 89 
     Distributor........................ 89 
     Selling Firms...................... 90 

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                                                                [Download Table]
                                            
  Requests and Elections................  91
     Ownership..........................  92
     Legal Proceedings..................  93
     Financial Statements...............  93
TABLE OF CONTENTS OF THE STATEMENT OF       
ADDITIONAL INFORMATION..................  93
APPENDIX A.............................. A-1
     Condensed Financial Information.... A-1
APPENDIX B.............................. B-1
     Participating Investment            B-1
  Portfolios  .                             
APPENDIX C.............................. C-1
     EDCA Examples with Multiple         C-1
  Purchase Payments                         
APPENDIX D.............................. D-1
     Guaranteed Minimum Income Benefit   D-1
  Examples  .                               
APPENDIX E.............................. E-1
     Guaranteed Withdrawal Benefit       E-1
  Examples  .                               
APPENDIX F.............................. F-1
     Death Benefit Examples............. F-1

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INDEX OF SPECIAL TERMS                                                          

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

Account Value............................................................ 25    
Accumulation Phase....................................................... 18    
Accumulation Unit........................................................ 24    
Annual Benefit Payment..................................... 59 and 66           
Annuitant................................................................ 93    
Annuity Date............................................................. 41    
Annuity Options.......................................................... 42    
Annuity Payments......................................................... 41    
Annuity Units............................................................ 41    
Beneficiary.............................................................. 93    
Benefit Base............................................................. 65    
Business Day............................................................. 20    
Contract Year............................................................ 46    
Death Benefit Base....................................................... 75    
Fixed Account............................................................ 18    
Good Order............................................................... 92    
Guaranteed Accumulation Amount........................................... 70    
Guaranteed Withdrawal Amount............................................. 67    
GWB Withdrawal Rate...................................................... 66    
Income Base.............................................................. 48    
Income Phase............................................................. 18    
Investment Portfolios.................................................... 25    
Joint Owners............................................................. 93    
Non-Qualified Contract................................................... 83    
Owner.................................................................... 92    
Purchase Payment......................................................... 19    
Qualified Contract....................................................... 83    
Remaining Guaranteed Withdrawal Amount................................... 59    
Separate Account......................................................... 89    
Total Guaranteed Withdrawal Amount....................................... 59    

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HIGHLIGHTS                                                                      

The variable annuity contract that we are offering is a contract between you,   
the owner, and us, the insurance company, where you agree to make at least one  
purchase payment to us and we agree to make a series of annuity payments at a   
later date. The contract has a maximum issue age and you should consult with    
your registered representative. The contract provides a means for investing on  
a tax-deferred basis in our fixed account and the investment portfolios. The    
contract is intended for retirement savings or other long-term investment       
purposes. When you purchase the contract, you can choose an optional death      
benefit and fixed and variable income options. You can also select a guaranteed 
minimum income benefit (GMIB) or a guaranteed withdrawal benefit (GWB).         

The contract, like all deferred annuity contracts, has two phases: the          
accumulation phase and the income phase. During the accumulation phase,         
earnings accumulate on a tax-deferred basis and are taxed as income when you    
make a withdrawal. If you make a withdrawal during the accumulation phase, we   
may assess a withdrawal charge of up to 7%. Certain withdrawals, depending on   
the amount and timing, may negatively impact the benefits and guarantees        
provided by your contract. You should carefully consider whether a withdrawal   
under a particular circumstance will have any negative impact to your benefits  
or guarantees. The impact of withdrawals generally on your benefits and         
guarantees is discussed in the corresponding sections of the prospectus         
describing such benefits and guarantees.                                        

The income phase occurs when you or a designated payee begin receiving regular  
annuity payments from your contract. You and the annuitant (the person on whose 
life we base annuity payments) do not have to be the same, unless you purchase  
a tax qualified contract or elect a GMIB (see "Living Benefits - Guaranteed     
Income Benefits").                                                              

You can have annuity payments made on a variable basis, a fixed basis, or a     
combination of both. If you choose variable annuity payments, the amount of the 
variable annuity payments will depend upon the investment performance of the    
investment portfolio(s) you select for the income phase. If you choose fixed    
annuity payments, the amount of each payment will not change during the income  
phase.                                                                          

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

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

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

TAX PENALTY. The earnings in your contract are not taxed until you take money   
out of your contract. If you take money out of a Non-Qualified Contract during  
the accumulation phase, for tax purposes any earnings are deemed to come out    
first. If you are younger than 59 1/2 when you take money out, you may be       
charged a 10% federal tax penalty on those earnings. Payments during the income 
phase are considered partly a return of your original investment until your     
investment is returned.                                                         

NON-NATURAL PERSONS AS OWNERS. If the owner of a non-qualified annuity contract 
is not a natural person (e.g.,                                                  

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

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

INQUIRIES. If you need more information, please contact our Annuity Service     
Center at:                                                                      

MetLife Investors Distribution Company  

P.O. Box 10366  
Des Moines, Iowa 50306-0366 
(800) 343-8496

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

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

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FEE TABLES AND EXAMPLES                                                         

THE FOLLOWING TABLES DESCRIBE THE FEES AND EXPENSES THAT YOU WILL PAY WHEN      
BUYING, OWNING, AND SURRENDERING THE CONTRACT. THE FIRST TABLE DESCRIBES THE    
FEES AND EXPENSES THAT YOU WILL PAY AT THE TIME THAT YOU BUY THE CONTRACT,      
SURRENDER THE CONTRACT, OR TRANSFER ACCOUNT VALUE BETWEEN INVESTMENT OPTIONS.   
STATE PREMIUM TAXES OF 0% TO 3.5% MAY ALSO BE DEDUCTED.                         

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

OWNER TRANSACTION EXPENSES TABLE                                                

                                                                [Download Table]
                                                                
WITHDRAWAL CHARGE (Note 1)                7%                    
(as a percentage of purchase payments)                          
TRANSFER FEE (Note 2)                     $25                   
                                          $0 (First 12 per year)

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

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

                                                                [Download Table]

Number of Complete Years from    Withdrawal Charge       
Receipt of Purchase Payment      (% of Purchase Payment) 
------------------------------   ------------------------
                                                         
               0                            7            

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

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

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

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

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


SEPARATE ACCOUNT ANNUAL EXPENSES (Note 2)                                       

(referred to as Separate Account Product Charges)                               

(as a percentage of average account value in the Separate Account)              

                                                                [Download Table]
                                                  
Mortality and Expense Charge                 1.05%
Administration Charge                        0.25%
                                             ---- 
Total Separate Account Annual Expenses       1.30%
Death Benefit Rider Charges (Optional)            
  (Note 3)                                        
(as a percentage of average account               
  value in the Separate Account)                  
Optional Death Benefit - Annual Step-Up      0.20%
Optional Death Benefit - Compounded-Plus     0.35%
Additional Death Benefit - Earnings          0.25%
  Preservation Benefit                            
Total Separate Account Annual Expenses            
Including Highest Charges for Optional       1.90%
  Death Benefits (Note 4)                         

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

Note 1. An Account Fee of $30 is charged on the last day of each contract year  
if the account value is less than $50,000. Different policies apply during the  
income phase of the contract. (See "Expenses.")                                 

Note 2. Certain charges and expenses for contracts issued before May 1, 2003,   
are different. Certain charges and expenses may not apply during the income     
phase of the contract. (See "Expenses.")                                        

Note 3. See below for additional optional death benefit riders (EDB Max,        
Enhanced Death Benefit II, and Enhanced Death Benefit I), for which the charge  
is assessed on the death benefit base and deducted annually from the account    
value.                                                                          

Note 4. This charge is determined by adding the Mortality and Expense Charge,   
the Administration Charge, the Optional Death Benefit -                         

Compounded-Plus Charge, and the Additional Death Benefit - Earnings             
Preservation Benefit Charge.                                                    

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ADDITIONAL OPTIONAL RIDER CHARGES (Note 1)                                      

                                                        [Enlarge/Download Table]
                                                                                        
GUARANTEED MINIMUM INCOME BENEFIT RIDER CHARGES                                         
  GMIB Max, GMIB Plus III and GMIB Plus    Maximum charge: 1.50% of the Income Base     
  II                                       (Note 2)                                     
                                           Current charge: 1.00% of the Income Base     
                                           (Note 2)                                     

  GMIB Plus I                              Maximum charge: 1.50% of the Income Base     
                                           (Note 2)                                     
                                           Current charge: 0.80% of the Income Base     
                                           (Note 2)                                     

  GMIB II and GMIB I                       0.50% of the Income Base (Note 2)            

LIFETIME WITHDRAWAL GUARANTEE RIDER CHARGES                                             
  Lifetime Withdrawal Guarantee II         Maximum charge: 1.60% of the Total Guaranteed
  (Single Life version)                    Withdrawal Amount (Note 3)                   
                                           Current charge: 1.25% of the Total Guaranteed
                                           Withdrawal Amount (Note 3)                   

  Lifetime Withdrawal Guarantee II         Maximum charge: 1.80% of the Total Guaranteed
  (Joint Life version)                     Withdrawal Amount (Note 3)                   
                                           Current charge: 1.50% of the Total Guaranteed
                                           Withdrawal Amount (Note 3)                   

  Lifetime Withdrawal Guarantee I          Maximum charge: 0.95% of the Total Guaranteed
  (Single Life version)                    Withdrawal Amount (Note 3)                   
                                           Current charge: 0.50% of the Total Guaranteed
                                           Withdrawal Amount (Note 3)                   

  Lifetime Withdrawal Guarantee I          Maximum charge: 1.40% of the Total Guaranteed
  (Joint Life version)                     Withdrawal Amount (Note 3)                   
                                           Current charge: 0.70% of the Total Guaranteed
                                           Withdrawal Amount (Note 3)                   

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

Note 1. You may only elect one living benefit rider at a time. Certain riders   
are no longer available for purchase. (See "Living Benefits.") The GMIB Max     
rider is the only living benefit rider that the EDB Max rider may be elected    
with. The GMIB Plus III rider is the only living benefit rider that the         
Enhanced Death Benefit II rider may be elected with. Certain rider charges for  
contracts issued before May 4, 2009 are different. Certain charges and expenses 
may not apply during the income phase of the contract. (See "Expenses.")        

Note 2. On the issue date, the income base is equal to your initial purchase    
payment. The income base is adjusted for subsequent purchase payments and       
withdrawals. See "Living Benefits - Guaranteed Income Benefits" for a           
definition of the term income base. The GMIB Max, GMIB Plus III, GMIB Plus II   
and GMIB Plus I rider charges may increase upon an Optional Step-Up or Optional 
Reset, but they will not exceed the maximum charges listed in this table. If,   
at the time your contract was issued, the current rider charge was equal to the 
maximum rider charge, that rider charge will not increase upon an Optional      
Step-Up or Optional Reset. (See "Expenses.")                                    

Note 3. The Total Guaranteed Withdrawal Amount is initially set at an amount    
equal to your initial purchase payment. The Total Guaranteed Withdrawal Amount  
may increase with additional purchase payments. See "Living Benefits -          
Guaranteed Withdrawal Benefits" for a definition of the term Total Guaranteed   
Withdrawal Amount. The Lifetime Withdrawal Guarantee rider charges may increase 
upon an Automatic Annual Step-Up, but they will not exceed the maximum charges  
listed in this table. If, at the time your contract was issued, the current     
rider charge was equal to the maximum rider charge, that rider charge will not  
increase upon an Automatic Annual Step-Up. (See "Expenses.")                    

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                                                        [Enlarge/Download Table]
                                                                                          
GUARANTEED WITHDRAWAL BENEFIT RIDER CHARGES                                               
  Enhanced Guaranteed Withdrawal Benefit   Maximum charge: 1.00% of the Guaranteed        
                                           Withdrawal Amount (Note 4)                     

                                           Current charge: 0.55% of the Guaranteed        
                                           Withdrawal Amount (Note 4)                     

  Guaranteed Withdrawal Benefit            Maximum charge: 0.95% of the Guaranteed        
                                           Withdrawal Amount (Note 4)                     
                                           Current charge: 0.50% of the Guaranteed        
                                           Withdrawal Amount (Note 4)                     

GUARANTEED MINIMUM ACCUMULATION BENEFIT    0.75% of the Guaranteed Accumulation Amount    
RIDER CHARGE                               (Note 5)                                       

ENHANCED DEATH BENEFIT (EDB) RIDER CHARGES                                                
  EDB Max and EDB II (issue age 69 or      Maximum charge: 1.50% of the Death Benefit     
  younger)                                 Base (Note 6)                                  

                                           Current charge: 0.60% of the Death Benefit Base
                                           (Note 6)                                       

  EDB Max and EDB II (issue age 70-75)     Maximum charge: 1.50% of the Death Benefit     
                                           Base (Note 6)                                  

                                           Current charge: 1.15% of the Death Benefit Base
                                           (Note 6)                                       

  EDB I (issue age 69 or younger)          Maximum charge: 1.50% of the Death Benefit     
                                           Base (Note 6)                                  

                                           Current charge: 0.75% of the Death Benefit Base
                                           (Note 6)                                       

  EDB I (issue age 70-75)                  Maximum charge: 1.50% of the Death Benefit     
                                           Base (Note 6)                                  

                                           Current charge: 0.95% of the Death Benefit Base
                                           (Note 6)                                       

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

Note 4. The Guaranteed Withdrawal Amount is initially set at an amount equal to 
your initial purchase payment plus the GWB Bonus Amount. The Guaranteed         
Withdrawal Amount may increase with additional purchase payments. See "Living   
Benefits - Guaranteed Withdrawal Benefits" for definitions of the terms         
Guaranteed Withdrawal Amount and GWB Bonus Amount. The Enhanced Guaranteed      
Withdrawal Benefit and Guaranteed Withdrawal Benefit rider charges may increase 
upon an Optional Reset, but they will not exceed the maximum charges listed in  
this table. If, at the time your contract was issued, the current rider charge  
was equal to the maximum rider charge, that rider charge will not increase upon 
an Optional Reset. (See "Expenses.")                                            

Note 5. The Guaranteed Accumulation Amount is initially set at an amount equal  
to a percentage of your initial purchase payment. The Guaranteed Accumulation   
Amount is adjusted for additional purchase payments made during the first 120   
days of the contract and for withdrawals. See "Living Benefits - Guaranteed     
Minimum Accumulation Benefit" for a definition of the term Guaranteed           
Accumulation Amount.                                                            

Note 6. The death benefit base is initially set at an amount equal to your      
initial purchase payment. The death benefit base is adjusted for subsequent     
purchase payments and withdrawals. See "Death Benefit - Optional Death Benefits 
- EDB Max and Enhanced Death Benefit II" for a definition of the term death     
benefit base. The EDB Max, Enhanced Death Benefit II, and Enhanced Death        
Benefit I rider charges may increase upon an Optional Step-Up, but they will    
not exceed the maximum charges listed in this table. If, at the time your       
contract was issued, the current rider charge was equal to the maximum rider    
charge, that rider charge will not increase upon an Optional Step-Up. (See      
"Expenses.")                                                                    

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

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

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

Total Annual Portfolio Expenses     0.52%         1.45%  
(expenses that are deducted from                         
investment portfolio assets,                             
including management fees,                               
12b-1/service fees, and other                            
  expenses)                                              

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

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

DISTRIBUTOR."                                                                   

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INVESTMENT PORTFOLIO EXPENSES                                                   

(as a percentage of the average daily net assets of an investment portfolio)    

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

                                                        [Enlarge/Download Table]

                                                                                                                          NET   
                                                                                  ACQUIRED     TOTAL     CONTRACTUAL     TOTAL  
                                                                                    FUND       ANNUAL      EXPENSE      ANNUAL  
                                          MANAGEMENT   12B-1/SERVICE     OTHER    FEES AND   PORTFOLIO     SUBSIDY     PORTFOLIO
                                             FEES           FEES       EXPENSES   EXPENSES    EXPENSES   OR DEFERRAL   EXPENSES 
                                         ------------ --------------- ---------- ---------- ----------- ------------- ----------
                                                                                                                                
MET INVESTORS SERIES TRUST                                                                                                      
 American Funds (Reg. TM) Bond Portfolio   0.00%        0.55%          0.10%      0.38%      1.03%       0.00%         1.03%    
 American Funds (Reg. TM) Growth           0.00%        0.55%          0.04%      0.34%      0.93%       0.00%         0.93%    
  Portfolio                                                                                                                     
 American Funds (Reg. TM) International    0.00%        0.55%          0.10%      0.53%      1.18%       0.00%         1.18%    
  Portfolio                                                                                                                     
 BlackRock High Yield Portfolio            0.60%        0.25%          0.05%      0.00%      0.90%       0.00%         0.90%    
 Clarion Global Real Estate Portfolio      0.62%        0.25%          0.07%      0.00%      0.94%       0.00%         0.94%    
 Goldman Sachs Mid Cap Value Portfolio     0.72%        0.25%          0.05%      0.00%      1.02%       0.00%         1.02%    
 Harris Oakmark International Portfolio    0.78%        0.25%          0.07%      0.00%      1.10%       0.01%         1.09%    
 Invesco Small Cap Growth Portfolio        0.85%        0.25%          0.04%      0.00%      1.14%       0.02%         1.12%    
 Janus Forty Portfolio                     0.63%        0.25%          0.04%      0.00%      0.92%       0.00%         0.92%    
 Lazard Mid Cap Portfolio                  0.69%        0.25%          0.04%      0.00%      0.98%       0.00%         0.98%    
 Legg Mason ClearBridge Aggressive         0.64%        0.25%          0.04%      0.00%      0.93%       0.00%         0.93%    
  Growth                                                                                                                        
 Portfolio                                                                                                                      
 Loomis Sayles Global Markets Portfolio    0.69%        0.25%          0.10%      0.00%      1.04%       0.00%         1.04%    
 Lord Abbett Bond Debenture Portfolio      0.50%        0.25%          0.03%      0.00%      0.78%       0.00%         0.78%    
 Lord Abbett Mid Cap Value Portfolio       0.68%        0.25%          0.07%      0.00%      1.00%       0.00%         1.00%    
 Met/Eaton Vance Floating Rate Portfolio   0.61%        0.25%          0.08%      0.00%      0.94%       0.00%         0.94%    
 Met/Franklin Low Duration Total Return    0.51%        0.25%          0.14%      0.00%      0.90%       0.03%         0.87%    
 Portfolio                                                                                                                      
 Met/Franklin Mutual Shares Portfolio      0.80%        0.25%          0.08%      0.00%      1.13%       0.00%         1.13%    
 Met/Templeton International Bond          0.60%        0.25%          0.13%      0.00%      0.98%       0.00%         0.98%    
  Portfolio                                                                                                                     
 MFS (Reg. TM) Emerging Markets Equity     0.94%        0.25%          0.18%      0.00%      1.37%       0.00%         1.37%    
  Portfolio                                                                                                                     
 MFS (Reg. TM) Research International      0.69%        0.25%          0.09%      0.00%      1.03%       0.03%         1.00%    
  Portfolio                                                                                                                     
 PIMCO Inflation Protected Bond            0.47%        0.25%          0.04%      0.00%      0.76%       0.00%         0.76%    
  Portfolio                                                                                                                     
 PIMCO Total Return Portfolio              0.48%        0.25%          0.03%      0.00%      0.76%       0.00%         0.76%    
 Pioneer Fund Portfolio                    0.64%        0.25%          0.05%      0.00%      0.94%       0.02%         0.92%    
 Pioneer Strategic Income Portfolio        0.59%        0.15%          0.08%      0.00%      0.82%       0.00%         0.82%    
 Rainier Large Cap Equity Portfolio        0.66%        0.25%          0.03%      0.00%      0.94%       0.00%         0.94%    
 RCM Technology Portfolio                  0.88%        0.25%          0.09%      0.00%      1.22%       0.00%         1.22%    
 T. Rowe Price Large Cap Value             0.57%        0.25%          0.02%      0.00%      0.84%       0.00%         0.84%    
  Portfolio(1)                                                                                                                  
 T. Rowe Price Mid Cap Growth Portfolio    0.75%        0.25%          0.04%      0.00%      1.04%       0.00%         1.04%    
 Third Avenue Small Cap Value Portfolio    0.74%        0.25%          0.04%      0.00%      1.03%       0.00%         1.03%    
 Turner Mid Cap Growth Portfolio           0.78%        0.25%          0.06%      0.00%      1.09%       0.00%         1.09%    
 Van Kampen Comstock Portfolio             0.60%        0.25%          0.04%      0.00%      0.89%       0.00%         0.89%    

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                                                        [Enlarge/Download Table]

                                                                                                                          NET   
                                                                                  ACQUIRED     TOTAL     CONTRACTUAL     TOTAL  
                                                                                    FUND       ANNUAL      EXPENSE      ANNUAL  
                                          MANAGEMENT   12B-1/SERVICE     OTHER    FEES AND   PORTFOLIO     SUBSIDY     PORTFOLIO
                                             FEES           FEES       EXPENSES   EXPENSES    EXPENSES   OR DEFERRAL   EXPENSES 
                                         ------------ --------------- ---------- ---------- ----------- ------------- ----------
                                                                                                                                
METROPOLITAN SERIES FUND, INC.                                                                                                  
 Barclays Capital Aggregate Bond Index     0.25%        0.30%          0.03%      0.00%      0.58%       0.01%         0.57%    
 Portfolio                                                                                                                      
 BlackRock Money Market Portfolio          0.32%        0.25%          0.02%      0.00%      0.59%       0.01%         0.58%    
 Davis Venture Value Portfolio             0.70%        0.15%          0.03%      0.00%      0.88%       0.05%         0.83%    
 Jennison Growth Portfolio                 0.62%        0.25%          0.02%      0.00%      0.89%       0.07%         0.82%    
 Met/Artisan Mid Cap Value Portfolio       0.81%        0.25%          0.03%      0.00%      1.09%       0.00%         1.09%    
 Met/Dimensional International Small       0.81%        0.25%          0.20%      0.00%      1.26%       0.00%         1.26%    
 Company Portfolio                                                                                                              
 MetLife Mid Cap Stock Index Portfolio     0.25%        0.30%          0.06%      0.01%      0.62%       0.00%         0.62%    
 MetLife Stock Index Portfolio             0.25%        0.25%          0.02%      0.00%      0.52%       0.01%         0.51%    
 Morgan Stanley EAFE (Reg. TM) Index       0.30%        0.30%          0.11%      0.01%      0.72%       0.00%         0.72%    
  Portfolio                                                                                                                     
 Russell 2000 (Reg. TM) Index Portfolio    0.25%        0.30%          0.07%      0.01%      0.63%       0.00%         0.63%    
 Van Eck Global Natural Resources          0.79%        0.25%          0.05%      0.01%      1.10%       0.00%         1.10%    
  Portfolio                                                                                                                     
 Western Asset Management U.S.             0.47%        0.25%          0.03%      0.00%      0.75%       0.01%         0.74%    
  Government                                                                                                                    
 Portfolio                                                                                                                      
MET INVESTORS SERIES TRUST - METLIFE                                                                                            
 ASSET ALLOCATION PROGRAM                                                                                                       
 MetLife Defensive Strategy Portfolio      0.07%        0.25%          0.01%      0.58%      0.91%       0.00%         0.91%    
 MetLife Moderate Strategy Portfolio       0.06%        0.25%          0.00%      0.62%      0.93%       0.00%         0.93%    
 MetLife Balanced Strategy Portfolio       0.05%        0.25%          0.01%      0.66%      0.97%       0.00%         0.97%    
 MetLife Growth Strategy Portfolio         0.06%        0.25%          0.00%      0.74%      1.05%       0.00%         1.05%    
 MetLife Aggressive Strategy Portfolio     0.09%        0.25%          0.02%      0.74%      1.10%       0.01%         1.09%    
MET INVESTORS SERIES TRUST - AMERICAN                                                                                           
 FUNDS (Reg. TM) ASSET ALLOCATION                                                                                               
PORTFOLIOS                                                                                                                      
 American Funds (Reg. TM) Moderate         0.07%        0.55%          0.02%      0.37%      1.01%       0.00%         1.01%    
  Allocation                                                                                                                    
 Portfolio                                                                                                                      
 American Funds (Reg. TM) Balanced         0.06%        0.55%          0.02%      0.38%      1.01%       0.00%         1.01%    
  Allocation                                                                                                                    
 Portfolio                                                                                                                      
 American Funds (Reg. TM) Growth           0.07%        0.55%          0.02%      0.38%      1.02%       0.00%         1.02%    
  Allocation                                                                                                                    
 Portfolio                                                                                                                      
MET INVESTORS SERIES TRUST - FRANKLIN                                                                                           
 TEMPLETON ASSET ALLOCATION PORTFOLIO                                                                                           
 Met/Franklin Templeton Founding           0.05%        0.25%          0.02%      0.81%      1.13%       0.02%         1.11%    
  Strategy                                                                                                                      
 Portfolio                                                                                                                      
MET INVESTORS SERIES TRUST - SSGA ETF                                                                                           
 PORTFOLIOS                                                                                                                     
 SSgA Growth and Income ETF Portfolio      0.31%        0.25%          0.02%      0.28%      0.86%       0.00%         0.86%    
 SSgA Growth ETF Portfolio                 0.33%        0.25%          0.03%      0.27%      0.88%       0.00%         0.88%    
MET INVESTORS SERIES TRUST - GMIB MAX                                                                                           
 AND EDB MAX PORTFOLIOS                                                                                                         
 AllianceBernstein Global Dynamic          0.70%        0.25%          0.31%      0.00%      1.26%       0.06%         1.20%    
  Allocation                                                                                                                    
 Portfolio                                                                                                                      
 AQR Global Risk Balanced Portfolio        0.68%        0.25%          0.22%      0.00%      1.15%       0.05%         1.10%    
 BlackRock Global Tactical Strategies      0.77%        0.25%          0.16%      0.27%      1.45%       0.03%         1.42%    
  Portfolio                                                                                                                     
 MetLife Balanced Plus Portfolio           0.29%        0.25%          0.19%      0.43%      1.16%       0.08%         1.08%    
 Pyramis (Reg. TM) Government Income       0.52%        0.25%          0.41%      0.00%      1.18%       0.13%         1.05%    
  Portfolio                                                                                                                     

(1) The Management Fee has been restated to reflect an amended advisory         
agreement, as if the fee had been in effect during the previous fiscal year.    

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The Net Total Annual Portfolio Expenses have been restated to reflect           
contractual arrangements in effect as of May 1, 2011, under which investment    
advisers or managers of investment portfolios have agreed to waive and/or pay   
expenses of the portfolios. Each of these arrangements is in effect until at    
least April 30, 2012 (excluding optional extensions). Net Total Annual          
Portfolio Expenses have not been restated to reflect expense reductions that    
certain investment portfolios achieved as a result of directed brokerage        
arrangements. The investment portfolios provided the information on their       
expenses, and we have not independently verified the information. Unless        
otherwise indicated, the information provided is for the year ended December    
31, 2010.                                                                       

Certain portfolios that have "Acquired Fund Fees and Expenses" are "funds 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 investment portfolio prospectus for more information.                       

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EXAMPLES                                                                        

THESE EXAMPLES ARE INTENDED TO HELP YOU COMPARE THE COST OF INVESTING IN THE    
CONTRACT WITH THE COST OF INVESTING IN OTHER VARIABLE ANNUITY CONTRACTS. THESE  
COSTS INCLUDE CONTRACT OWNER TRANSACTION EXPENSES, CONTRACT FEES, SEPARATE      
ACCOUNT ANNUAL EXPENSES, AND INVESTMENT PORTFOLIO FEES AND EXPENSES.            

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

CHART 1. Chart 1 assumes you select the GMIB Max rider (assuming the maximum    
1.50% charge applies in all contract years) and the EDB Max rider (assuming the 
maximum 1.50% charge applies in all contract years), which is the most          
expensive way to purchase the contract.                                         

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

                                                                [Download Table]

                           Time Periods                               
                1 year         3 years        5 years       10 years  
             ------------   ------------   ------------   ------------
                                                                      
maximum       (a)$1,296      (a)$2,367      (a)$3,471      (a)$6,574  
minimum       (b)$1,203      (b)$2,096      (b)$3,035      (b)$5,793  

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

                                                                [Download Table]

                          Time Periods                              
               1 year        3 years        5 years       10 years  
             ----------   ------------   ------------   ------------
                                                                    
maximum       (a)$596      (a)$1,827      (a)$3,111      (a)$6,574  
minimum       (b)$503      (b)$1,556      (b)$2,675      (b)$5,793  

CHART 2. Chart 2 assumes you do not select optional death benefit riders, a     
Guaranteed Minimum Income Benefit rider, a Guaranteed Withdrawal Benefit rider, 
or the Guaranteed Minimum Accumulation Benefit rider, which is the least        
expensive way to purchase the contract.                                         

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

                                                                [Download Table]

                          Time Periods                              
               1 year        3 years        5 years       10 years  
             ----------   ------------   ------------   ------------
                                                                    
maximum       (a)$981      (a)$1,401      (a)$1,826      (a)$3,094  
minimum       (b)$888      (b)$1,121      (b)$1,359      (b)$2,161  

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

                                                                [Download Table]

                        Time Periods                             
               1 year      3 years       5 years       10 years  
             ----------   ---------   ------------   ------------
                                                                 
maximum       (a)$281      (a)$861     (a)$1,466      (a)$3,094  
minimum       (b)$188      (b)$581       (b)$999      (b)$2,161  

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

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1. THE ANNUITY CONTRACT                                                         

This prospectus describes the Variable Annuity Contract offered by us.          

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

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

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

In most states, the contract also contains a FIXED ACCOUNT (contact your        
registered representative regarding your state). The fixed account is not       
offered by this prospectus. The fixed account offers an interest rate that is   
guaranteed by us. The minimum interest rate depends on the date your contract   
is issued but will not be less than 1%. Your registered representative can tell 
you the current and minimum interest rates that apply. If you select the fixed  
account, your money will be placed with our other general account assets, and   
the amount of money you are able to accumulate in your contract during the      
accumulation phase depends upon the total interest credited to your contract.   
The fixed account is part of our general account. Our general account consists  
of all assets owned by us other than those in the Separate Account and our      
other separate accounts. We have sole discretion over the investment of assets  
in the general account. If you select a fixed annuity payment option during the 
income phase, payments are made from our general account assets.                

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

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

Under the Internal Revenue Code (the "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, 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 adviser.    
Accordingly, a purchaser who has or is contemplating a civil union or same-sex  
marriage should note that such same-sex partner or spouse would not be able to  
receive continued payments after the death of the contract owner under the      
Joint Life version of the Lifetime Withdrawal Guarantee (see "Living Benefits - 
Guaranteed Withdrawal Benefits").                                               

MARKET TIMING                                                                   

We have policies and procedures that attempt to detect transfer activity that   
may adversely affect other owners or investment portfolio shareholders in       
situations where there is potential for pricing inefficiencies or that involve  
certain                                                                         

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other types of disruptive trading activity (I.E., market timing). We employ     
various means to try to detect such transfer activity, such as periodically     
examining the frequency and size of transfers into and out of particular        
investment portfolios made by owners within given periods of time and/or        
investigating transfer activity identified by the investment portfolios on a    
case-by-case basis. We may revise these policies and procedures in our sole     
discretion at any time without prior notice.                                    

Our market timing policies and procedures are discussed in more detail in       
"Investment Options - Transfers - Market Timing."                               

2. PURCHASE                                                                     

The maximum issue age for the contract and certain of its riders may be reduced 
in connection with the offer of the contract through certain broker dealers     
("selling firms"). In addition, certain riders may not be available through     
certain selling firms. You should discuss this with your registered             
representative.                                                                 

PURCHASE PAYMENTS                                                               

A PURCHASE PAYMENT is the money you give us to invest in the contract. The      
initial purchase payment is due on the date the contract is issued. Subject to  
the minimum and maximum payment requirements (see below), you may make          
additional purchase payments.                                                   

o  The minimum initial purchase payment we will accept is $5,000 when the       
contract is purchased as a Non-Qualified Contract.                    

o  If you are purchasing the contract as part of an IRA (Individual Retirement  
   Annuity) or other qualified plan, the minimum initial purchase payment we
will accept is $2,000.                                                

o  If you want to make an initial purchase payment of $1 million or more, or an 
   additional purchase payment that would cause your total purchase payments
to exceed $1 million, you will need our prior approval.               

o  You can make additional purchase payments of $500 or more unless you have    
    elected an electronic funds transfer program approved by us, in which case
the minimum additional purchase payment is $100 per month.            

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

o  We reserve the right to refuse purchase payments made via a personal check   
   in excess of $100,000. Purchase payments over $100,000 may be accepted in
   other forms, including, but not limited to, EFT/wire transfers, certified
 checks, corporate checks, and checks written on financial institutions.
The form in which we receive a purchase payment may determine how soon
 subsequent disbursement requests may be fulfilled. (See "Access to Your
Money.")                                                              

o  We will not accept purchase payments made with cash, money orders, or        
travelers checks.                                                     

We reserve the right to reject any application or purchase payment and to limit 
future purchase payments.                                                       

TERMINATION FOR LOW ACCOUNT VALUE                                               

We may terminate your contract by paying you the account value in one sum if,   
prior to the annuity date, you do not make purchase payments for two            
consecutive contract years, the total amount of purchase payments made, less    
any partial withdrawals, is less than $2,000 or any lower amount required by    
federal tax laws, and the account value on or after the end of such two year    
period is less than $2,000. Accordingly, no contract will be terminated due     
solely to negative investment performance. Federal tax law may impose           
additional restrictions on our right to cancel your Traditional IRA, Roth IRA,  
SEP, SIMPLE IRA or other Qualified Contract.                                    

ALLOCATION OF PURCHASE PAYMENTS                                                 

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

We have reserved the right to restrict payments to the fixed account if any of  
the following conditions exist:                                                 

o  the credited interest rate on the fixed account is equal to the guaranteed   
minimum rate; or                                                      

o  your account value in the fixed account equals or exceeds our published      
 maximum for fixed account allocation (currently, there is no limit); or

o  a transfer was made out of the fixed account within the previous 180 days.   

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

We may restrict the investment options available to you if you select certain   
optional riders. These restrictions are intended to reduce the risk of          
investment losses that could require us to use our own assets to pay amounts    
due under the selected optional rider.                                          

If you choose the GMIB Max or EDB Max riders, we require you to allocate your   
purchase payments and account value as described below under "Investment        
Allocation Restrictions for GMIB Max and EDB Max" until the rider terminates.   

If you choose the Guaranteed Minimum Income Benefit Plus III, Lifetime          
Withdrawal Guarantee II, or Enhanced Death Benefit II riders, or if you chose   
the Guaranteed Minimum Income Benefit Plus II or Enhanced Death Benefit I       
riders, we require you to allocate your purchase payments and account value as  
described below under "Investment Allocation Restrictions for GMIB Plus III,    
GMIB Plus II, Lifetime Withdrawal Guarantee II, EDB II, and EDB I" until the    
rider terminates.                                                               

If you choose the GMIB Plus I rider or the Lifetime Withdrawal Guarantee I      
rider, until the rider terminates, we will require you to allocate your         
purchase payments and account value solely among the fixed account, the         
BlackRock Money Market Portfolio, the American Funds (Reg. TM) Asset Allocation 
portfolios, the Met/Franklin Templeton Founding Strategy Portfolio, the SSgA    
Growth and Income ETF Portfolio, the SSgA Growth ETF Portfolio and/or the       
MetLife Asset Allocation Program portfolios, excluding the MetLife Aggressive   
Strategy Portfolio (you may participate in the Enhanced Dollar Cost Averaging   
(EDCA) program, subject to restrictions).                                       

If you choose the Guaranteed Minimum Accumulation Benefit rider, until the      
rider terminates, we will require you to allocate your purchase payments and    
account value solely to one of the MetLife Asset Allocation Program portfolios, 
excluding the MetLife Growth Strategy Portfolio and the MetLife Aggressive      
Strategy Portfolio (you may participate in the EDCA program, subject to         
restrictions).                                                                  

If you make additional purchase payments, we will allocate them in the same way 
as your first purchase payment unless you tell us otherwise. However, if you    
make an additional purchase payment and you have an EDCA or Dollar Cost         
Averaging (DCA) program in effect, we will allocate your additional payments to 
the investment portfolios selected under the EDCA or DCA program unless you     
tell us otherwise. (See "Investment Options -                                   

Dollar Cost Averaging Programs.") You may change your allocation instructions   
at any time by notifying us in writing, by calling us or by Internet. You may   
not choose more than 18 investment portfolios (including the fixed account) at  
the time you submit a subsequent purchase payment. If you wish to allocate the  
payment to more than 18 investment portfolios (including the fixed account), we 
must have your request to allocate future purchase payments to more than 18     
investment portfolios on record before we can apply your subsequent purchase    
payment to your chosen allocation. If there are joint owners, unless we are     
instructed to the contrary, we will accept allocation instructions from either  
joint owner.                                                                    

INVESTMENT ALLOCATION RESTRICTIONS FOR CERTAIN RIDERS                           

INVESTMENT ALLOCATION RESTRICTIONS FOR GMIB MAX AND EDB MAX                     

If you elect the GMIB Max rider and/or EDB Max rider, you may allocate your     
purchase payments and account value among these four investment portfolios,     
which are designed specifically for use with the GMIB Max and EDB Max riders:   

(a) AllianceBernstein Global Dynamic Allocation Portfolio                       

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(b) AQR Global Risk Balanced Portfolio                                          

(c) BlackRock Global Tactical Strategies Portfolio                              

(d) MetLife Balanced Plus Portfolio                                             

In addition, you may allocate purchase payments and account value to the        
Pyramis (Reg. TM) Government Income Portfolio. No other investment portfolios   
are available with the GMIB Max rider and/or EDB Max rider.                     

The AllianceBernstein Global Dynamic Allocation Portfolio, AQR Global Risk      
Balanced Portfolio, BlackRock Global Tactical Strategies Portfolio, and MetLife 
Balanced Plus Portfolio have investment strategies intended in part to reduce   
the risk of investment losses that could require us to use our own assets to    
make payments in connection with the guarantees under the GMIB Max and EDB Max  
riders. For example, certain of the investment portfolios are managed in a way  
that is intended to minimize volatility of returns and hedge against the        
effects of interest rate changes. Other investment options that are available   
if the GMIB Max and EDB Max riders are not selected may offer the potential for 
higher returns. Before you select the GMIB Max rider and/or EDB Max rider, you  
and your financial representative should carefully consider whether the five    
investment options available with the GMIB Max and EDB Max riders meet your     
investment objectives and risk tolerance.                                       

You may also allocate purchase payments to the Enhanced Dollar Cost Averaging   
(EDCA) program, provided that your destination portfolios are one or more of    
the investment portfolios listed above. If you elect the GMIB Max and/or EDB    
Max riders, you may not participate in the Dollar Cost Averaging (DCA) program. 

RESTRICTIONS ON INVESTMENT ALLOCATIONS AFTER RIDER TERMINATES. If the GMIB Max  
rider terminates (see "Living Benefits - Guaranteed Income Benefits -           
Terminating the GMIB Max and GMIB Plus III Riders") or the EDB Max rider        
terminates (see "Death Benefits - Enhanced Death Benefits - Terminating the EDB 
Max and EDB II Riders"), you may no longer allocate subsequent purchase         
payments or transfer account value to or among the five investment portfolios   
listed above. You may leave account value in the five investment portfolios     
listed above, but once you transfer account value to an investment portfolio    
that is not one of the five investment portfolios listed above, you will not be 
permitted to transfer it back to any of those five investment portfolios. If    
the GMIB Max or EDB Max rider terminates, you will be permitted to allocate     
subsequent purchase payments or transfer account value to any of the other      
available investment portfolios, but not to the fixed account.                  

POTENTIAL RESTRICTIONS ON SUBSEQUENT PURCHASE PAYMENTS. In the future, we may   
choose not to permit owners of existing contracts with the GMIB Max rider to    
make subsequent purchase payments if: (a) the GMIB Max rider is no longer       
available to new customers, or (b) we make certain changes to the terms of the  
GMIB Max rider offered to new customers (for example, if we change the GMIB Max 
rider charge; see your contract schedule for a list of the other changes).      
Similarly, in the future, we may choose not to permit owners of existing        
contracts with the EDB Max rider to make subsequent purchase payments if: (a)   
the EDB Max rider is no longer available to new customers, or (b) we make       
certain changes to the terms of the EDB Max rider offered to new customers (see 
your contract schedule for a list of the changes). We will notify owners of     
contracts with the GMIB Max and/or EDB Max riders in advance if we impose       
restrictions on subsequent purchase payments. If we impose restrictions on      
subsequent purchase payments, contract owners will still be permitted to        
transfer account value among the five investment portfolios listed above.       

CALIFORNIA FREE LOOK REQUIREMENTS FOR PURCHASERS AGE 60 AND OVER. If you are a  
California purchaser aged 60 or older, you may allocate your purchase payments  
to the BlackRock Money Market Portfolio during the free look period. (See the   
"Free Look" section below.) After the free look period expires, your account    
value will automatically be transferred to the GMIB Max and EDB Max Portfolios, 
according to the allocation instructions you have given us. If you do not       
allocate your purchase payments to the BlackRock Money Market Portfolio and the 
contract is cancelled during the free look                                      

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period, you will only be entitled to a refund of the contract's account value,  
which may be less than the purchase payments made to the contract.              

INVESTMENT ALLOCATION RESTRICTIONS FOR GMIB PLUS III, GMIB PLUS II, LIFETIME    
WITHDRAWAL GUARANTEE II, EDB II, AND EDB I                                      

ALLOCATION. If you elect the GMIB Plus III, the Lifetime Withdrawal Guarantee   

II, or the Enhanced Death Benefit II, or if you elected the GMIB Plus II or the 

Enhanced Death Benefit I, you must comply with certain investment allocation    

restrictions. SPECIFICALLY, YOU MUST ALLOCATE ACCORDING TO EITHER (A) OR (B)    
                                            ------
BELOW:                                                                          

(A) You must allocate:                                                          

o  100% of your purchase payments or account value among the MetLife Defensive  
   Strategy Portfolio, MetLife Moderate Strategy Portfolio, MetLife Balanced
Strategy Portfolio, American Funds (Reg. TM) Moderate Allocation      
 Portfolio, American Funds (Reg. TM) Balanced Allocation Portfolio, SSgA
  Growth and Income ETF Portfolio, BlackRock Money Market Portfolio and/or
the fixed account (you may also allocate purchase payments to the EDCA
   program, provided that your destination portfolios are one or more of the
above listed investment portfolios).                                  

For contracts issued based on applications and necessary information received   
at our Annuity Service Center in good order before the close of the New York    
Stock Exchange on May 1, 2009, the following investment portfolios are also     
available under option (A): the MetLife Growth Strategy Portfolio, American     
Funds (Reg. TM) Growth Allocation Portfolio, Met/Franklin Templeton Founding    
Strategy Portfolio and SSgA Growth ETF Portfolio.                               

OR                                                                              

(B) You must allocate:                                                          

o  AT LEAST 30% of purchase payments or account value to Platform 1 portfolios  
and/or to the fixed account;                                          

o  UP TO 70% of purchase payments or account value to Platform 2 portfolios;    

o  UP TO 15% of purchase payments or account value to Platform 3 portfolios;    
and                                                                   

o  UP TO 15% of purchase payments or account value to Platform 4 portfolios.    

For contracts issued based on applications and necessary information received   

at our Annuity Service Center in good order before the close of the New York    

Stock Exchange on May 1, 2009, the following invesment allocation restrictions  

apply under option (B): you must allocate at least 15% of purchase payments or  
                ------------
account value to Platform 1 portfolios and/or to the fixed account and you may  

allocate up to 85% of purchase payments or account value to Platform 2          
---------                                                     
portfolios (the percentages for Platforms 3 and 4 are the same as those listed  
above).                                                                         

(See the "EDCA" section below for information on allocating purchase payments   
to the EDCA account under option (B).)                                          

The investment options in each Platform are:                                    

Platform 1                                                                      
----------                                                                      

Fixed Account                                                         

American Funds (Reg. TM) Bond Portfolio                               

Barclays Capital Aggregate Bond Index Portfolio                       

BlackRock Money Market Portfolio                                      

Met/Franklin Low Duration Total Return Portfolio                      

PIMCO Inflation Protected Bond Portfolio                              

PIMCO Total Return Portfolio                                          

Western Asset Management U.S. Government Portfolio                    

Platform 2                                                                      
----------                                                                      

American Funds (Reg. TM) Balanced Allocation Portfolio                

American Funds (Reg. TM) Growth Allocation Portfolio                  

American Funds (Reg. TM) Growth Portfolio                             

American Funds (Reg. TM) International Portfolio                      

American Funds (Reg. TM) Moderate Allocation Portfolio                

BlackRock High Yield Portfolio                                        

Davis Venture Value Portfolio                                         

Harris Oakmark International Portfolio                                

Janus Forty Portfolio                                                 

Jennison Growth Portfolio                                             

Legg Mason ClearBridge Aggressive Growth Portfolio                    

Loomis Sayles Global Markets Portfolio                                

Lord Abbett Bond Debenture Portfolio                                  

Met/Franklin Mutual Shares Portfolio                                  

Met/Franklin Templeton Founding Strategy Portfolio                    

MetLife Aggressive Strategy Portfolio                                 

MetLife Balanced Strategy Portfolio                                   

MetLife Defensive Strategy Portfolio                                  

MetLife Growth Strategy Portfolio                                     

MetLife Moderate Strategy Portfolio                                   

Metlife Stock Index Portfolio                                         

MFS (Reg. TM) Research International Portfolio                        

Morgan Stanley EAFE (Reg. TM) Index Portfolio                         

Pioneer Fund Portfolio                                                

Pioneer Strategic Income Portfolio                                    

Rainier Large Cap Equity Portfolio                                    

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SSgA Growth and Income ETF Portfolio                                  

SSgA Growth ETF Portfolio                                             

T. Rowe Price Large Cap Value Portfolio                               

Van Kampen Comstock Portfolio                                         

Platform 3                                                                      
----------                                                                      

Goldman Sachs Mid Cap Value Portfolio                                 

Lazard Mid Cap Portfolio                                              

Lord Abbett Mid Cap Value Portfolio                                   

Met/Artisan Mid Cap Value Portfolio                                   

MetLife Mid Cap Stock Index Portfolio                                 

T. Rowe Price Mid Cap Growth Portfolio                                

Turner Mid Cap Growth Portfolio                                       

Platform 4                                                                      
----------                                                                      

Clarion Global Real Estate Portfolio                                  

Invesco Small Cap Growth Portfolio                                    

Met/Dimensional International Small Company Portfolio                 

Met/Eaton Vance Floating Rate Portfolio                               

Met/Templeton International Bond Portfolio                            

MFS (Reg. TM) Emerging Markets Equity Portfolio                       

RCM Technology Portfolio                                              

Russell 2000 (Reg. TM) Index Portfolio                                

Third Avenue Small Cap Value Portfolio                                

Van Eck Global Natural Resources Portfolio                            

YOUR PURCHASE PAYMENTS AND TRANSFER REQUESTS MUST BE ALLOCATED IN ACCORDANCE    
WITH THE ABOVE LIMITATIONS. WE WILL REJECT ANY PURCHASE PAYMENTS OR TRANSFER    
REQUESTS THAT DO NOT COMPLY WITH THE ABOVE LIMITATIONS.                         

Certain selling firms do not offer option (B) at the time your initial purchase 
payment is allocated. Please contact our Annuity Service Center if you wish to  
change your allocation selection to option (B).                                 

We determine whether an investment option is classified as Platform 1, Platform 
2, Platform 3 or Platform 4. We may determine or change the classification of   
an investment option in the event that an investment option is added, deleted,  
substituted, merged or otherwise reorganized. In that case, any change in       
classification will only take effect as to your contract in the event you make  
a new purchase payment or request a transfer among investment options. We will  
provide you with prior written notice of any changes in classification of       
investment options.                                                             

REBALANCING. If you choose to allocate according to (B) above, we will          
rebalance your account value on a quarterly basis based on your most recent     
allocation of purchase payments that complies with the allocation limitations   
described above. We will also rebalance your account value when we receive a    
subsequent purchase payment that is accompanied by new allocation instructions  
(in addition to the quarterly rebalancing). We will first rebalance your        
account value on the date that is three months from the rider issue date;       
provided however, if a quarterly rebalancing date occurs on the 29th, 30th or   
31st of a month, we will instead rebalance on the 1st day of the following      
month. We will subsequently rebalance your account value on each quarter        
thereafter on the same day. In addition, if a quarterly rebalancing date is not 
a business day the reallocation will occur on the next business day.            
Withdrawals from the contract will not result in rebalancing on the date of     
withdrawal.                                                                     

The rebalancing requirement described above does not apply if you choose to     
allocate according to (A) above.                                                

SUBSEQUENT PURCHASE PAYMENTS. Subsequent purchase payments must be allocated in 
accordance with the above limitations. When allocating according to (B) above,  
it is important to remember that the entire account value will be immediately   
reallocated according to any new allocation instructions that accompany a       
subsequent purchase payment, if the new allocation instructions differ from     
those previously received for the contract. Allocating according to (B) does    
not permit you to specify different allocations for individual purchase         
payments. Due to the rebalancing and reallocation requirements of (B), the      
entire account will be immediately reallocated according to the most recently   
provided allocation instructions.                                               

EXAMPLE:                                                                        

Your account value is $100,000 and allocated 70% to the Pioneer Fund      
 Portfolio and 30% to the PIMCO Total Return Portfolio using Option B of the
Portfolio Flexibility Program. You make a subsequent purchase payment of  
$5,000 and provide instructions to allocate 100% of that payment to the   
BlackRock Money Market Portfolio. As a result of the new allocation       
instructions, your entire account value of $105,000 will then be          
reallocated to the BlackRock Money Market Portfolio.                      

EDCA. If you choose to allocate according to (B) above and you choose to        
allocate a purchase payment to the EDCA account, that entire purchase payment   
must be allocated only to the EDCA account. Any transfer from an EDCA account   
must be allocated in accordance with the limitations described under (B) above. 
In addition, if you made previous purchase payments before allocating a         
purchase payment to the EDCA account, all transfers from an EDCA account must   
be allocated to the same                                                        

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investment options as your most recent allocations for purchase payments.       

CHANGING PURCHASE PAYMENT ALLOCATION INSTRUCTIONS. You may change your purchase 
payment allocation instructions under (B) above at any time by providing notice 
to us, at our Annuity Service Center, or by any other method acceptable to us,  
provided that such instructions comply with the allocation limits described     
above. If you provide new allocation instructions for purchase payments and if  
these instructions conform to the allocation limits described under (B) above,  
then we will rebalance in accordance with the revised allocation instructions.  
Any future purchase payment, EDCA account transfer and quarterly rebalancing    
allocations will be automatically updated in accordance with these new          
instructions.                                                                   

TRANSFERS. Please note that any transfer request must result in an account      
value that meets the allocation limits described above. Any transfer request    
will not cause your allocation instructions to change unless you provide us     
with a separate instruction at the time of transfer.                            

FREE LOOK                                                                       

If you change your mind about owning this contract, you can cancel it within 10 
days after receiving it (or the period required in your state). We ask that you 
submit your request to cancel in writing, signed by you, to our Annuity Service 
Center. When you cancel the contract within this "free look" period, we will    
not assess a withdrawal charge. Unless otherwise required by state law, you     
will receive back whatever your contract is worth on the day we receive your    
request. This may be more or less than your payment depending upon the          
performance of the portfolios you allocated your purchase payment to during the 
free look period. This means that you bear the risk of any decline in the value 
of your contract during the free look period. We do not refund any charges or   
deductions assessed during the free look period. In certain states, we are      
required to give you back your purchase payment if you decide to cancel your    
contract during the free look period.                                           

ACCUMULATION UNITS                                                              

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

Every business day we determine the value of an accumulation unit for each of   
the investment portfolios by multiplying the accumulation unit value for the    
immediately preceding business day by a factor for the current business day.    
The factor is determined by:                                                    

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

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

The value of an accumulation unit may go up or down from day to day.            

When you make a purchase payment, we credit your contract with accumulation     
units. The number of accumulation units credited is determined by dividing the  
amount of the purchase payment allocated to an investment portfolio by the      
value of the accumulation unit for that investment portfolio.                   

We calculate the value of an accumulation unit for each investment portfolio    
after the New York Stock Exchange closes each day (generally 4:00 p.m. Eastern  
Time) and then credit your contract.                                            

EXAMPLE:                                                                        

On Monday we receive an additional purchase payment of $5,000 from you    
before 4:00 p.m. Eastern Time. You have told us you want this to go to the
Lord Abbett Mid Cap Value Portfolio. When the New York Stock Exchange     
closes on that Monday, we determine that the value of an accumulation unit
for the Lord Abbett Mid Cap Value Portfolio is $13.90. We then divide     
$5,000 by $13.90 and credit your contract on Monday night with 359.71     
accumulation units for the Lord Abbett Mid Cap Value Portfolio.           

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ACCOUNT VALUE                                                                   

ACCOUNT VALUE is equal to the sum of your interests in the investment           
portfolios, the fixed account, and the EDCA account. Your interest in each      
investment portfolio is determined by multiplying the number of accumulation    
units for that portfolio by the value of the accumulation unit.                 

REPLACEMENT OF CONTRACTS                                                        

EXCHANGE PROGRAMS. From time to time we may offer programs under which certain  
fixed or variable annuity contracts previously issued by us or one of our       
affiliates may be exchanged for the contracts offered by this prospectus.       
Currently, with respect to exchanges from certain of our variable annuity       
contracts to this contract, an existing contract is eligible for exchange if a  
withdrawal from, or surrender of, the contract would not trigger a withdrawal   
charge. The account value of this contract attributable to the exchanged assets 
will not be subject to any withdrawal charge or be eligible for the Enhanced    
Dollar Cost Averaging program or the Three Month Market Entry Program (see      
"Investment Options - Dollar Cost Averaging Programs"). Any additional purchase 
payments contributed to the new contract will be subject to all fees and        
charges, including the withdrawal charge described in this prospectus. You      
should carefully consider whether an exchange is appropriate for you by         
comparing the death benefits, living benefits, and other guarantees provided by 
the contract you currently own to the benefits and guarantees that would be     
provided by the new contract offered by this prospectus. Then, you should       
compare the fees and charges (for example, the death benefit charges, the       
living benefit charges, and the mortality and expense charge) of your current   
contract to the fees and charges of the new contract, which may be higher than  
your current contract. The programs we offer will be made available on terms    
and conditions determined by us, and any such programs will comply with         
applicable law. We believe the exchanges will be tax free for federal income    
tax purposes; however, you should consult your tax adviser before making any    
such exchange.                                                                  

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

3. INVESTMENT OPTIONS                                                           

The contract offers 59 INVESTMENT PORTFOLIOS, which are listed below.           
Additional investment portfolios may be available in the future.                

YOU SHOULD READ THE PROSPECTUSES FOR THESE FUNDS CAREFULLY. YOU CAN OBTAIN      
COPIES OF THE FUND PROSPECTUSES BY CALLING OR WRITING TO US AT: METLIFE         
INVESTORS USA INSURANCE COMPANY, ANNUITY SERVICE CENTER, P.O. BOX 10366, DES    
MOINES, IOWA 50306-0366, (800) 343-8496. YOU CAN ALSO OBTAIN INFORMATION ABOUT  
THE FUNDS (INCLUDING A COPY OF THE STATEMENT OF ADDITIONAL INFORMATION) BY      
ACCESSING THE SECURITIES AND EXCHANGE COMMISSION'S WEBSITE AT HTTP://           

WWW.SEC.GOV. CERTAIN INVESTMENT PORTFOLIOS DESCRIBED IN THE FUND PROSPECTUSES   
MAY NOT BE AVAILABLE WITH YOUR CONTRACT. (SEE APPENDIX A.) APPENDIX B CONTAINS  
A SUMMARY OF ADVISERS, SUBADVISERS, AND INVESTMENT OBJECTIVES FOR EACH          
INVESTMENT PORTFOLIO.                                                           

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

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

CERTAIN PAYMENTS WE RECEIVE WITH REGARD TO THE INVESTMENT PORTFOLIOS. We do not 
receive compensation from any of the advisers or subadvisers of any of the      
investment portfolios of the Met Investors Series Trust or the Metropolitan     
Series Fund, Inc. (or their affiliates) for administrative or other services    
relating to the portfolios, excluding 12b-1 fees (see below). However, we       
and/or certain of our affiliated insurance companies have joint ownership       
interests in our affiliated investment adviser, MetLife Advisers, LLC, which is 
formed as a "limited liability company." Our ownership interests in MetLife     
Advisers, LLC entitle us to profit distributions if the adviser makes a profit  
with respect to the advisory fees it receives from the investment portfolios.   
We will benefit accordingly from assets allocated to the investment portfolios  
to the extent they result in profits to the adviser. (See "Fee Tables and       
Examples - Investment Portfolio Expenses" for information on the management     
fees paid by the investment portfolios and the Statement of Additional          
Information for the investment portfolios for information on the management     
fees paid by the advisers to the subadvisers.) Additionally, an investment      
adviser or subadviser of an investment portfolio or its affiliates may provide  
us with wholesaling services that assist in the distribution of the contracts   
and may pay us and/or certain of our affiliates amounts to participate in sales 
meetings. These amounts may be significant and may provide the adviser or       
subadviser (or its affiliate) with increased access to persons involved in the  
distribution of the contracts.                                                  

Each of the Met Investors Series Trust and the Metropolitan Series Fund, Inc.   
has adopted a Distribution Plan under Rule 12b-1 of the Investment Company Act  
of 1940. Each investment portfolio's 12b-1 Plan is described in more detail in  
the investment portfolio's prospectus. (See "Fee Tables and Examples -          
Investment Portfolio Expenses" and "Other Information -  Distributor.") Any     
payments we receive pursuant to those 12b-1 Plans are paid to us or our         
distributor. Payments under an investment portfolio's 12b-1 Plan decrease the   
investment portfolio's investment return.                                       

We select the investment portfolios offered through this contract based on a    
number of criteria, including asset class coverage, the strength of the         
adviser's or subadviser's reputation and tenure, brand recognition,             
performance, and the capability and qualification of each investment firm.      
Another factor we consider during the selection process is whether the          
investment portfolio's adviser or subadviser is one of our affiliates or        
whether the investment portfolio, its adviser, its subadviser(s), or an         
affiliate will make payments to us or our affiliates. In this regard, the       
profit distributions we receive from our affiliated investment advisers are a   
component of the total revenue that we consider in configuring the features and 
investment choices available in the variable insurance products that we and our 
affiliated insurance companies issue. Since we and our affiliated insurance     
companies may benefit more from the allocation of assets to portfolios advised  
by our affiliates than to those that are not, we may be more inclined to offer  
portfolios advised by our affiliates in the variable insurance products we      
issue. We review the investment portfolios periodically and may remove an       
investment portfolio or limit its availability to new purchase payments and/or  
transfers of account value if we determine that the investment portfolio no     
longer meets one or more of the selection criteria, and/or if the investment    
portfolio has not attracted significant allocations from contract owners. In    
some cases, we have included investment portfolios based on recommendations     
made by selling firms. These selling firms may receive payments from the        
investment portfolios they recommend and may benefit accordingly from the       
allocation of account value to such investment portfolios.                      

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

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

Met Investors Series Trust is a mutual fund with multiple portfolios. MetLife   
Advisers, LLC (MetLife Advisers), an affiliate of MetLife Investors USA, is the 
investment manager of Met Investors Series Trust. MetLife Advisers              

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has engaged subadvisers to provide investment advice for the individual         
investment portfolios. (See Appendix B for the names of the subadvisers.) The   
following Class B or, as noted, Class C or Class E portfolios are available     
under the contract:                                                             

American Funds (Reg. TM) Bond Portfolio (Class C)                     

American Funds (Reg. TM) Growth Portfolio (Class C)                   

American Funds (Reg. TM) International Portfolio (Class C)            

BlackRock High Yield Portfolio                                        

Clarion Global Real Estate Portfolio                                  

Goldman Sachs Mid Cap Value Portfolio                                 

Harris Oakmark International Portfolio                                

Invesco Small Cap Growth Portfolio                                    

Janus Forty Portfolio                                                 

Lazard Mid Cap Portfolio                                              

Legg Mason ClearBridge Aggressive Growth Portfolio                    

Loomis Sayles Global Markets Portfolio                                

Lord Abbett Bond Debenture Portfolio                                  

Lord Abbett Mid Cap Value Portfolio                                   

Met/Eaton Vance Floating Rate Portfolio                               

Met/Franklin Low Duration Total Return Portfolio                      

Met/Franklin Mutual Shares Portfolio                                  

Met/Templeton International Bond Portfolio*                           

MFS (Reg. TM) Emerging Markets Equity Portfolio                       

MFS (Reg. TM) Research International Portfolio                        

PIMCO Inflation Protected Bond Portfolio                              

PIMCO Total Return Portfolio                                          

Pioneer Fund Portfolio                                                

Pioneer Strategic Income Portfolio (Class E)                          

Rainier Large Cap Equity Portfolio                                    

RCM Technology Portfolio                                              

T. Rowe Price Large Cap Value Portfolio                               

(formerly Lord Abbett Growth and Income Portfolio)            

T. Rowe Price Mid Cap Growth Portfolio                                

Third Avenue Small Cap Value Portfolio                                

Turner Mid Cap Growth Portfolio                                       

Van Kampen Comstock Portfolio                                         

* This portfolio is only available for investment if certain optional riders    
are elected. (See "Purchase -  Investment Allocation Restrictions for Certain   
Riders.")                                                                       

METROPOLITAN SERIES FUND, INC.                                                  

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

Barclays Capital Aggregate Bond Index Portfolio                       

(Class G)                                                     

BlackRock Money Market Portfolio (Class B)                            

Davis Venture Value Portfolio (Class E)                               

Jennison Growth Portfolio (Class B)                                   

Met/Artisan Mid Cap Value Portfolio (Class B)                         

Met/Dimensional International Small Company Portfolio (Class B)       

MetLife Mid Cap Stock Index Portfolio (Class G)                       

MetLife Stock Index Portfolio (Class B)                               

Morgan Stanley EAFE (Reg. TM) Index Portfolio (Class G)               

Russell 2000 (Reg. TM) Index Portfolio (Class G)                      

Van Eck Global Natural Resources Portfolio (Class B)*                 

Western Asset Management U.S. Government Portfolio (Class B)          

* This portfolio is only available for investment if certain optional riders    
are elected. (See "Purchase -  Investment Allocation Restrictions for Certain   
Riders.")                                                                       

MET INVESTORS SERIES TRUST - METLIFE ASSET ALLOCATION PROGRAM (CLASS B)         

In addition to the portfolios listed above under Met Investors Series Trust,    
the following Class B portfolios are available under the contract:              

MetLife Defensive Strategy Portfolio                                  

MetLife Moderate Strategy Portfolio                                   

MetLife Balanced Strategy Portfolio                                   

MetLife Growth Strategy Portfolio                                     

MetLife Aggressive Strategy Portfolio                                 

MET INVESTORS SERIES TRUST - AMERICAN FUNDS (Reg. TM) ASSET ALLOCATION          
PORTFOLIOS (CLASS C)                                                            

In addition to the portfolios listed above under Met Investors Series Trust,    
the following Class C portfolios are also available under the contract:         

American Funds (Reg. TM) Moderate Allocation Portfolio                

American Funds (Reg. TM) Balanced Allocation Portfolio                

American Funds (Reg. TM) Growth Allocation Portfolio                  

MET INVESTORS SERIES TRUST - FRANKLIN TEMPLETON ASSET ALLOCATION PORTFOLIOS     
(CLASS B)                                                                       

In addition to the portfolios listed above under Met Investors Series Trust,    
the following Class B portfolio is also available under the contract:           

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Met/Franklin Templeton Founding Strategy Portfolio                    

MET INVESTORS SERIES TRUST - SSGA ETF PORTFOLIOS (CLASS B)                      

In addition to the portfolios listed above under Met Investors Series Trust,    
the following Class B portfolios are also available under the contract:         

SSgA Growth and Income ETF Portfolio                                  

SSgA Growth ETF Portfolio                                             

MET INVESTORS SERIES TRUST - GMIB MAX AND EDB MAX PORTFOLIOS (CLASS B)          

In addition to the portfolios listed above under Met Investors Series Trust,    
the following Class B portfolios are also available under the contract:         

AllianceBernstein Global Dynamic Allocation Portfolio*                

AQR Global Risk Balanced Portfolio*                                   

BlackRock Global Tactical Strategies Portfolio*                       

MetLife Balanced Plus Portfolio*                                      

Pyramis (Reg. TM) Government Income Portfolio*                        

* This portfolio is only available for investment if certain optional riders    
are elected. (See "Purchase -  Investment Allocation Restrictions for Certain   
Riders.")                                                                       

TRANSFERS                                                                       

GENERAL. You can transfer a portion of your account value among the fixed       
account and the investment portfolios. The contract provides that you can make  
a maximum of 12 transfers every year and that each transfer is made without     
charge. We measure a year from the anniversary of the day we issued your        
contract. We currently allow unlimited transfers but reserve the right to limit 
this in the future. We may also limit transfers in circumstances of market      
timing or other transfers we determine are or would be to the disadvantage of   
other contract owners. (See "Investment Options - Transfers -                   

Market Timing.") We are not currently charging a transfer fee, but we reserve   
the right to charge such a fee in the future. If such a charge were to be       
imposed, it would be $25 for each transfer over 12 in a year. The transfer fee  
will be deducted from the investment portfolio or fixed account from which the  
transfer is made. However, if the entire interest in an account is being        
transferred, the transfer fee will be deducted from the amount which is         
transferred.                                                                    

You can make a transfer to or from the fixed account and to or from any         
investment portfolio, subject to the limitations below. All transfers made on   
the same business day will be treated as one transfer. Transfers received       
before the close of trading on the New York Stock Exchange will take effect as  
of the end of the business day. The following apply to any transfer:            

o  Your request for transfer must clearly state which investment portfolio(s)   
or the fixed account are involved in the transfer.                    

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

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

o  The minimum amount that may be transferred from the fixed account is $500,   
  or your entire interest in the fixed account. Transfers out of the fixed
  account during the accumulation phase are limited to the greater of: (a)
  25% of the fixed account value at the beginning of the contract year, or
   (b) the amount transferred out of the fixed account in the prior contract
    year. Currently we are not imposing these restrictions on transfers out of
the fixed account, but we have the right to reimpose them at any time.

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

o  If you have elected to add the GMIB Plus I, GMIB Plus II, GMIB Plus III,     
  GMIB Max, Lifetime Withdrawal Guarantee I, Lifetime Withdrawal Guarantee
   II, Enhanced Death Benefit I, Enhanced Death Benefit II, or EDB Max rider
  to your contract, you may only make transfers between certain investment
   portfolios. Please refer to the sections "Purchase-Allocation of Purchase
Payments" and "Purchase-Investment Allocation Restrictions for Certain
Riders."                                                              

o  If you have elected to add the Guaranteed Minimum Accumulation Benefit rider 
    to your contract, you may not transfer out of the MetLife Asset Allocation

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 Program portfolio you chose at issue until the rider terminates. Please
refer to the section "Living Benefits-Guaranteed Minimum Accumulation 
Benefit."                                                             

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

For transfers during the accumulation phase, we have reserved the right to      
restrict transfers to the fixed account if any one of the following conditions  
exist:                                                                          

o  The credited interest rate is equal to the guaranteed minimum rate;          

o  Your account value in the fixed account equals or exceeds our published      
   maximum for fixed account contract values (currently, there is no limit);
or                                                                    

o  A transfer was made out of the fixed account within the previous 180 days.   

During the income phase, you cannot make transfers from a fixed annuity payment 
option to the investment portfolios. You can, however, make transfers during    
the income phase from the investment portfolios to a fixed annuity payment      
option and among the investment portfolios.                                     

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

All transfers made on the same day will be treated as one transfer. A transfer  
will be made as of the end of the business day when we receive a notice         
containing all the required information necessary to process the request. We    
will consider telephone and Internet requests received after 4:00 p.m. Eastern  
Time to be received the following business day.                                 

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

MARKET TIMING. Frequent requests from contract owners to transfer account value 
may dilute the value of an investment portfolio's shares if the frequent        
trading involves an attempt to take advantage of pricing inefficiencies created 
by a lag between a change in the value of the securities held by the portfolio  
and the reflection of that change in the portfolio's share price ("arbitrage    
trading"). Regardless of the existence of pricing inefficiencies, frequent      
transfers may also increase brokerage and administrative costs of the           
underlying investment 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 investment portfolios, which may in turn adversely 
affect contract owners and other persons who may have an interest in the        
contracts (E.G., annuitants and beneficiaries).                                 

We have policies and procedures that attempt to detect and deter frequent       
transfers in situations where we determine there is a potential for arbitrage   
trading. Currently, we believe that such situations may be presented in the     
international, small-cap, and high-yield investment portfolios (i.e., the       
American Funds (Reg. TM) International, BlackRock High Yield, Clarion Global    
Real Estate, Harris Oakmark International, Invesco Small Cap Growth, Loomis     
Sayles Global Markets, Lord Abbett Bond Debenture, Met/Eaton Vance Floating     
Rate, Met/Dimensional International Small Company, Met/Templeton International  
Bond, MFS (Reg. TM) Emerging Markets Equity, MFS (Reg. TM) Research             
International, Morgan Stanley EAFE (Reg. TM) Index, Pioneer Strategic Income,   
Russell 2000 (Reg. TM) Index, Third Avenue Small Cap Value, and Van Eck Global  
Natural Resources Portfolios), and we monitor transfer                          

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activity in those portfolios (the "Monitored Portfolios"). We employ various    
means to monitor transfer activity, such as examining the frequency and size of 
transfers into and out of the Monitored Portfolios within given periods of      
time. For example, we currently monitor transfer activity to determine if, for  
each category of international, small-cap, and high-yield portfolios, in a      
12-month period there were: (1) six or more transfers involving the given       
category; (2) cumulative gross transfers involving the given category that      
exceed the current account value; and (3) two or more "round-trips" involving   
the given category. A round-trip generally is defined as a transfer in followed 
by a transfer out within the next seven calendar days or a transfer out         
followed by a transfer in within the next seven calendar days, in either case   
subject to certain other criteria.                                              

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

Our policies and procedures may result in transfer restrictions being applied   
to deter market timing. Currently, when we detect transfer activity in the      
Monitored Portfolios that exceeds our current transfer limits, or other         
transfer activity that we believe may be harmful to other owners or other       
persons who have an interest in the contracts, we require all future transfer   
requests to or from any Monitored Portfolios or other identified investment     
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 trading patterns for market timing.   

The detection and deterrence of harmful transfer activity involves judgments    
that are inherently subjective, such as the decision to monitor only those      
investment portfolios that we believe are susceptible to arbitrage trading, or  
the determination of the transfer limits. Our ability to detect and/or restrict 
such transfer activity may be limited by operational and technological systems, 
as well as our ability to predict strategies employed by owners to avoid such   
detection. Our ability to restrict such transfer activity also may be limited   
by provisions of the contract. Accordingly, there is no assurance that we will  
prevent all transfer activity that may adversely affect owners and other        
persons with interests in the contracts. We do not accommodate market timing in 
any investment 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 investment 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, 
investment portfolios may assess a redemption fee (which we reserve the right   
to collect) on shares held for a relatively short period. The prospectuses for  
the investment portfolios describe any such policies and procedures, which may  
be more or less restrictive than the policies and procedures we have adopted.   
Although we may not have the contractual authority or the operational capacity  
to apply the frequent trading policies and procedures of the investment         
portfolios, we have entered into a written agreement, as required by SEC        
regulation, with each investment portfolio or its principal underwriter that    
obligates us to provide to the investment portfolio promptly upon request       
certain information about the trading activity of individual contract owners,   
and to execute instructions from the investment portfolio to restrict or        
prohibit further purchases or transfers by specific contract owners who violate 
the frequent trading policies established by the investment portfolio.          

In addition, contract owners and other persons with interests in the contracts  
should be aware that the purchase and redemption orders received by the         
investment portfolios generally are "omnibus" orders from intermediaries, such  
as retirement plans or separate accounts funding variable insurance contracts.  
The omnibus orders reflect the aggregation and netting of multiple orders from  
individual owners of variable insurance contracts and/or individual retirement  
plan participants. The omnibus nature of these orders may limit the investment  
portfolios in their ability to apply their                                      

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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 investment         
portfolios (and thus contract owners) will not be harmed by transfer activity   
relating to other insurance companies and/or retirement plans that may invest   
in the investment portfolios. If an investment portfolio believes that an       
omnibus order reflects one or more transfer requests from contract owners       
engaged in disruptive trading activity, the investment portfolio may reject the 
entire omnibus order.                                                           

In accordance with applicable law, we reserve the right to modify or terminate  
the transfer privilege at any time. We also reserve the right to defer or       
restrict the transfer privilege at any time that we are unable to purchase or   
redeem shares of any of the investment portfolios, including any refusal or     
restriction on purchases or redemptions of their shares as a result of their    
own policies and procedures on 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 investment portfolio prospectuses for more 
details.                                                                        

DOLLAR COST AVERAGING PROGRAMS                                                  

We offer two dollar cost averaging programs as described below. By allocating   
amounts on a regular schedule as opposed to allocating the total amount at one  
particular time, you may be less susceptible to the impact of market            
fluctuations. You can elect only one dollar cost averaging program at a time.   
The dollar cost averaging programs are available only during the accumulation   
phase.                                                                          

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

The two dollar cost averaging programs are:                                     

1. STANDARD DOLLAR COST AVERAGING (DCA)                                         

This program allows you to systematically transfer a set amount each month from 
the fixed account or from a money market investment portfolio to any of the     
other available investment portfolio(s) you select. We provide certain          
exceptions from our normal fixed account restrictions to accommodate the dollar 
cost averaging program. These transfers are made on a date you select or, if    
you do not select a date, on the date that a purchase payment or account value  
is allocated to the dollar cost averaging program. However, transfers will be   
made on the 1st day of the following month for purchase payments or account     
value allocated to the dollar cost averaging program on the 29th, 30th, or 31st 
day of a month.                                                                 

You can make subsequent purchase payments while you have an active DCA program  
in effect, provided, however, that no amount will be allocated to the DCA       
program without your express direction. (See "Purchase - Allocation of Purchase 
Payments.") If you make such an addition to your existing DCA program, the DCA  
transfer amount will not be increased; however, the number of months over which 
transfers are made is increased, unless otherwise elected in writing. You can   
terminate the program at any time, at which point transfers under the program   
will stop. This program is not available if you have selected the GMIB Plus I,  
GMIB Plus II, GMIB Plus III, GMIB Max, Lifetime Withdrawal Guarantee II, GMAB,  
Enhanced Death Benefit I, Enhanced Death Benefit II, or EDB Max rider.          

2. ENHANCED DOLLAR COST AVERAGING PROGRAM (EDCA)                                

The Enhanced Dollar Cost Averaging (EDCA) Program allows you to systematically  
transfer amounts from the EDCA account in the general account to any available  
investment portfolio(s) you select. Except as discussed below, only new         
purchase payments or portions thereof can be allocated to an EDCA account. The  
transfer amount will be equal to the amount allocated to the EDCA account       
divided by a specified number of months (currently 6 or 12 months). For         
example, a $12,000 allocation to a 6-month program will consist of six $2,000   
transfers, and a final transfer of the interest processed separately as a       
seventh transfer.                                                               

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You can make subsequent purchase payments while you have an active EDCA account 
in effect, provided, however, that no amount will be allocated to the EDCA      
account without your express direction. (See "Purchase -  Allocation of         
Purchase Payments.") When a subsequent purchase payment is allocated by you to  
your existing EDCA account, we create "buckets" within your EDCA account.       

o  The EDCA transfer amount will be increased by the subsequent purchase        
payment divided by the number of EDCA months (6 or 12 months as you   
    selected) and thereby accelerates the time period over which transfers are
made.                                                                 

o  Each allocation (bucket) resulting from a subsequent purchase payment will   
    earn interest at the then current interest rate applied to new allocations
to an EDCA account of the same monthly term.                          

o  Allocations (buckets) resulting from each purchase payment, along with the   
interest credited, will be transferred on a first-in, first-out basis.
   Using the example above, a subsequent $6,000 allocation to a 6 month EDCA
   will increase the EDCA transfer amount from $2,000 to $3,000 ($2,000 plus
   $6,000/6). This increase will have the effect of accelerating the rate at
which the 1st payment bucket is exhausted.                            

(See Appendix C for further examples of EDCA with multiple purchase payments.)  

The interest rate earned in an EDCA account will be the minimum guaranteed      
rate, plus any additional interest which we may declare from time to time. The  
interest rate earned in an EDCA account is paid over time on declining amounts  
in the EDCA account. Therefore, the amount of interest payments you receive     
will decrease as amounts are systematically transferred from the EDCA account   
to any investment portfolio, and the effective interest rate earned will        
therefore be less than the declared interest rate.                              

The first transfer we make under the EDCA program is the date your purchase     
payment is allocated to your EDCA account. Subsequent transfers will be made    
each month thereafter on the same day. However, transfers will be made on the   
1st day of the following month for purchase payments allocated on the 29th,     
30th, or 31st day of a month. If the selected day is not a business day, the    
transfer will be deducted from the EDCA account on the selected day but will be 
applied to the investment portfolios on the next business day. EDCA interest    
will not be credited on the transfer amount between the selected day and the    
next business day. Transfers will continue on a monthly basis until all amounts 
are transferred from your EDCA account. Your EDCA account will be terminated as 
of the last transfer.                                                           

If you decide you no longer want to participate in the EDCA program, and your   
contract was issued prior to May 1, 2005, all money remaining in your EDCA      
account will be transferred to the BlackRock Money Market Portfolio, unless you 
specify otherwise. If your contract was issued on or after May 1, 2005, all     
money remaining in your EDCA account will be transferred to the investment      
portfolio(s) in accordance with the percentages you have chosen for the EDCA    
program, unless you specify otherwise.                                          

THREE MONTH MARKET ENTRY PROGRAM                                                

Alternatively, you can participate in the Three Month Market Entry Program      
which operates in the same manner as the Enhanced Dollar Cost Averaging         
Program, except it is of 3 months duration.                                     

AUTOMATIC REBALANCING PROGRAM                                                   

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

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

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

The Automatic Rebalancing Program is available only during the accumulation     
phase. There is no additional charge for participating in the Automatic         
Rebalancing                                                                     

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Program. If you participate in the Automatic Rebalancing Program, the transfers 
made under the program are not taken into account in determining any transfer   
fee. We will terminate your participation in the Automatic Rebalancing Program  
when we receive notification of your death in good order. If you have selected  
the GMIB Plus II, GMIB Plus III, Lifetime Withdrawal Guarantee II, Enhanced     
Death Benefit I, or Enhanced Death Benefit II riders, the fixed account is      
available for automatic rebalancing. If you have selected the GMIB Max or EDB   
Max riders, the fixed account is not available for automatic rebalancing. The   
Automatic Rebalancing Program is not available if you have selected the GMAB    
rider.                                                                          

EXAMPLE:                                                                        

Assume that you want your initial purchase payment split between 2        
 investment portfolios. You want 40% to be in the Lord Abbett Bond Debenture
Portfolio and 60% to be in the Legg Mason ClearBridge Aggressive Growth   
Portfolio. Over the next 2 1/2 months the bond market does very well while
 the stock market performs poorly. At the end of the first quarter, the Lord
 Abbett Bond Debenture Portfolio now represents 50% of your holdings because
of its increase in value. If you have chosen to have your holdings        
rebalanced quarterly, on the first day of the next quarter, we will sell  
 some of your units in the Lord Abbett Bond Debenture Portfolio to bring its
value back to 40% and use the money to buy more units in the Legg Mason   
ClearBridge Aggressive Growth Portfolio to increase those holdings to 60%.

DESCRIPTION OF THE METLIFE ASSET ALLOCATION PROGRAM                             

The MetLife Asset Allocation Program consists of the following five MetLife     
asset allocation portfolios (Class B), each of which is a portfolio of the Met  
Investors Series Trust. MetLife Advisers, LLC (MetLife Advisers), an affiliate  
of ours, is the investment manager of the MetLife asset allocation portfolios.  

METLIFE ASSET ALLOCATION PROGRAM PORTFOLIOS                                     
-------------------------------------------                                     

MetLife Defensive Strategy Portfolio                                  

MetLife Moderate Strategy Portfolio                                   

MetLife Balanced Strategy Portfolio                                   

MetLife Growth Strategy Portfolio                                     

MetLife Aggressive Strategy Portfolio                                 

Each portfolio is designed on established principles of asset allocation to     
achieve a specific risk profile. Each portfolio invests substantially all of    
its assets in the Class A shares of other investment portfolios of Met          
Investors Series Trust or Metropolitan Series Fund, Inc. (the underlying        
portfolios). Each portfolio has a target allocation between the two broad asset 
classes (equity and fixed income). MetLife Advisers establishes specific target 
investment percentages for the asset classes and the various components of each 
asset category. MetLife Advisers determines these target allocations based on a 
variety of factors, including its long-term outlook for the return and risk     
characteristics of the various asset classes and the relationship between those 
asset classes. MetLife Advisers then selects the underlying portfolios in which 
each portfolio invests based on, among other factors, the underlying            
portfolios' investment objectives, policies, investment processes and portfolio 
analytical and management personnel. Periodically, MetLife Advisers will        
evaluate each portfolio's allocation between equity and fixed income, inclusive 
of the exposure to various investment styles and asset sectors, relative to     
each portfolio's risk profile. Concurrently, MetLife Advisers will consider     
whether to make changes to each portfolio's investments in any of the           
underlying portfolios. (See the fund prospectus for a description of each       
portfolio's target allocation.)                                                 

MetLife Advisers has hired an independent consultant to provide research and    
consulting services with respect to the periodic asset allocation targets for   
each of the portfolios and to investment in the underlying portfolios, which    
may assist MetLife Advisers in determining the underlying portfolios that may   
be available for investment and with the selection of and allocation of each    
portfolio's investments among the underlying portfolios. MetLife Advisers is    
responsible for paying the consulting fees.                                     

DESCRIPTION OF THE AMERICAN FUNDS (Reg. TM) ASSET ALLOCATION PORTFOLIOS         

The following three American Funds (Reg. TM) Asset Allocation Portfolios (Class 
C) are each a portfolio of the Met Investors Series Trust. MetLife Advisers is  
the investment manager of the American Funds (Reg. TM) Asset Allocation         
Portfolios.                                                                     

AMERICAN FUNDS (Reg. TM) ASSET ALLOCATION PORTFOLIOS                            
----------------------------------------------------                            

American Funds (Reg. TM) Moderate Allocation Portfolio                

American Funds (Reg. TM) Balanced Allocation Portfolio                

American Funds (Reg. TM) Growth Allocation Portfolio                  

Each portfolio is designed on established principles of asset allocation to     
achieve a specific risk profile. Each portfolio will invest substantially all   
of its assets in certain funds of American Funds Insurance Series (Reg. TM)     
(the underlying portfolios). Each portfolio has a target allocation between     

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the two broad asset classes (equity and fixed income). MetLife Advisers         
establishes specific target investment percentages for the broad asset classes  
and the various components of each asset category. MetLife Advisers determines  
these target allocations based on a variety of factors, including its long-term 
outlook for the return and risk characteristics of the various asset classes    
and the relationship between those asset classes. MetLife Advisers then selects 
the underlying portfolios in which each portfolio invests based on, among other 
factors, the underlying portfolios' investment objectives, policies, investment 
processes and portfolio analytical and management personnel.                    

Periodically, MetLife Advisers will evaluate each portfolio's allocation        
between equity and fixed income, inclusive of the exposure to various           
investment styles and asset sectors, relative to each portfolio's risk profile. 
Concurrently, MetLife Advisers will consider whether to make changes with       
respect to each portfolio's investments in any of the underlying portfolios.    
(See the fund prospectus for a description of each portfolio's target           
allocation.)                                                                    

DESCRIPTION OF THE MET/FRANKLIN TEMPLETON FOUNDING STRATEGY PORTFOLIO           

The Met/Franklin Templeton Founding Strategy Portfolio invests on a fixed       
percentage basis in a combination of Met Investors Series Trust portfolios      
sub-advised by subsidiaries of Franklin Resources, Inc., which, in turn, invest 
primarily in U.S. and foreign equity securities and, to a lesser extent,        
fixed-income and money market securities. The Met/                              

Franklin Templeton Founding Strategy Portfolio's assets are allocated on an     
equal basis (33 1/3%) among the Class A shares of the Met/Franklin Income       
Portfolio, Met/Franklin Mutual Shares Portfolio and Met/Templeton Growth        
Portfolio (the underlying portfolios). MetLife Advisers is the investment       
manager of the Met/Franklin Templeton Founding Strategy Portfolio. MetLife      
Advisers will periodically rebalance the portfolio's holdings as deemed         
necessary to bring the asset allocation of the portfolio back into alignment    
with its fixed percentage allocations. (See the fund prospectus for more        
information about the portfolio and the underlying portfolios in which it       
invests.)                                                                       

DESCRIPTION OF THE SSGA ETF PORTFOLIOS                                          

The SSgA Growth and Income ETF Portfolio (Class B) and the SSgA Growth ETF      
Portfolio (Class B) are each a portfolio of the Met Investors Series Trust.     
MetLife Advisers is the investment manager of the SSgA ETF Portfolios.          

Each portfolio was designed on established principles of asset allocation. Each 
portfolio will primarily invest its assets in other investment companies known  
as exchange-traded funds (underlying ETFs). Each underlying ETF invests         
primarily in equity securities or in fixed income securities, as applicable,    
typically in an effort to replicate the performance of a market index.          

Each of the SSgA ETF Portfolios has a different allocation among various asset  
classes (including large, mid and small capitalization domestic equity,         
foreign, fixed income, high yield, real estate investment trusts and cash/money 
market). In addition, SSgA Funds Management, Inc. (SSgA Funds Management), the  
portfolios' subadviser, may also make allocations to investments in other asset 
classes. SSgA Funds Management establishes specific investment percentages for  
the asset classes and then selects the underlying ETFs in which a portfolio     
invests based on, among other factors, the historical performance of each       
underlying ETF and/or asset class, future risk/return expectations, and SSgA    
Funds Management's outlook for the economy, interest rates and financial        
markets. These allocations reflect varying degrees of potential investment risk 
and reward. The allocation between equity and fixed income underlying ETFs      
reflects greater or lesser emphasis on growth of capital and pursuing current   
income.                                                                         

SSgA Funds Management will regularly review each portfolio's asset allocation   
among equities, fixed income, cash/cash equivalents and other asset classes,    
including the investment allocations within such asset classes and may make     
changes in the allocation as the market and economic outlook changes. SSgA      
Funds Management may add new underlying ETFs or replace existing underlying     
ETFs at its discretion. (See the fund prospectus for more information about     
each of the SSgA ETF Portfolios and the underlying ETFs.)                       

VOTING RIGHTS                                                                   

We are the legal owner of the investment portfolio shares. However, we believe  
that when an investment portfolio solicits proxies in conjunction with a vote   
of shareholders, we are required to obtain from you and other affected owners   
instructions as to how to vote those shares. When we receive those              
instructions, we will vote all of the shares we own in proportion to those      
instructions. This will also include any shares that we own on our own behalf.  
The effect of this proportional voting is that a small number of contract       
owners may control the outcome of a vote. Should                                

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we determine that we are no longer required to comply with the above, we will   
vote the shares in our own right.                                               

SUBSTITUTION OF INVESTMENT OPTIONS                                              

If investment in the investment portfolios or a particular investment portfolio 
is no longer possible, in our judgment becomes inappropriate for purposes of    
the contract, or for any other reason in our sole discretion, we may substitute 
another investment portfolio or investment portfolios without your consent. The 
substituted investment portfolio may have different fees and expenses.          
Substitution may be made with respect to existing investments or the investment 
of future purchase payments, or both. However, we will not make such            
substitution without any necessary approval of the Securities and Exchange      
Commission and applicable state insurance departments. Furthermore, we may      
close investment portfolios to allocation of purchase payments or account       
value, or both, at any time in our sole discretion.                             

4. EXPENSES                                                                     

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

PRODUCT CHARGES                                                                 

SEPARATE ACCOUNT PRODUCT CHARGES. Each day, we make a deduction for our         
Separate Account product charges (which consist of the mortality and expense    
charge, the administration charge and the charges related to certain death      
benefit riders). We do this as part of our calculation of the value of the      
accumulation units and the annuity units (I.E., during the accumulation phase   
and the income phase - although death benefit charges no longer continue in the 
income phase).                                                                  

MORTALITY AND EXPENSE CHARGE. We assess a daily mortality and expense charge    
that is equal, on an annual basis, to 1.05% of the average daily net asset      
value of each investment portfolio.                                             

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

ADMINISTRATION CHARGE. This charge is equal, on an annual basis, to 0.25% of    
the average daily net asset value of each investment portfolio. This charge,    
together with the account fee (see below), is for the expenses associated with  
the administration of the contract. Some of these expenses are: issuing         
contracts, maintaining records, providing accounting, valuation, regulatory and 
reporting services, as well as expenses associated with marketing, sale and     
distribution of the contracts.                                                  

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

                                                                [Download Table]
                                                  
      Annual Step-Up Death Benefit          0.20%*
      Compounded-Plus Death Benefit         0.35%*
      Additional Death Benefit -                  
Earnings                                          
  Preservation Benefit                     0.25  %

*For contracts issued prior to May 1, 2003, the percentage charge for the       
Annual Step-Up Death Benefit is 0.10% and for the Compounded-Plus Death Benefit 
is 0.25% of the average daily net asset value of each investment portfolio.     

Please check with your registered representative regarding which death benefits 
are available in your state.                                                    

If you select the EDB Max or Enhanced Death Benefit II, and you are age 69 or   
younger at issue, we will assess a charge during the accumulation phase equal   
to 0.60% of the death benefit base. If you are age 70-75 at issue, we will      
assess a charge during the accumulation phase equal to 1.15% of the death       
benefit base (see "Death Benefit -                                              

Optional Death Benefits - EDB Max and Enhanced Death Benefit II" for a          
discussion of how the death benefit base is determined). If your death benefit  
base is increased due to an Optional Step-Up, we may reset the rider charge to  
a                                                                               

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rate that does not exceed the lower of: (a) the Maximum Optional Step-Up Charge 
(1.50%) or (b) the current rate that we charge for the same rider available for 
new contract purchases at the time of the Optional Step-Up. Starting with the   
first contract anniversary, the charge is assessed for the prior contract year  
at each contract anniversary before any Optional Step-Up. If you make a full    
withdrawal (surrender) or if you begin to receive annuity payments at the       
annuity date, a pro rata portion of the charge will be assessed based on the    
number of months from the last contract anniversary to the date of withdrawal   
or application to an annuity option. The charge is deducted from your account   
value pro rata from each investment portfolio, the fixed account and the EDCA   
account in the ratio each portfolio/account bears to your total account value.  
We take amounts from the investment options that are part of the Separate       
Account by canceling accumulation units from the Separate Account.              

For contracts issued from May 4, 2009 through July 16, 2010, the percentage     
charge for the Enhanced Death Benefit I is 0.75% of the death benefit base if   
you were age 69 or younger at issue and 0.95% of the death benefit base if you  
were age 70-75 at issue.                                                        

For contracts issued from February 24, 2009 through May 1, 2009, the percentage 
charge for the Enhanced Death Benefit I is 0.65% of the death benefit base if   
you were age 69 or younger at issue and 0.90% of the death benefit base if you  
were age 70-75 at issue.                                                        

For contracts issued prior to February 24, 2009, the percentage charge for the  
Enhanced Death Benefit I is 0.65% of the death benefit base if you were age 69  
or younger at issue and 0.85% of the death benefit base if you were age 70-75   
at issue.                                                                       

For contracts issued prior to May 4, 2009, if you elected both the Enhanced     
Death Benefit I rider and the GMIB Plus II rider (described below), the         
percentage charge for the Enhanced Death Benefit is reduced by 0.05%.           

ACCOUNT FEE                                                                     

During the accumulation phase, every contract year on your contract anniversary 
(the anniversary of the date when your contract was issued), we will deduct $30 
from your contract as an account fee for the prior contract year if your        
account value is less than $50,000. If you make a complete withdrawal from your 
contract, the full account fee will be deducted from the account value          
regardless of the amount of your account value. During the accumulation phase,  
the account fee is deducted pro rata from the investment portfolios. This       
charge is for administrative expenses (see above). This charge cannot be        
increased.                                                                      

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

GUARANTEED MINIMUM INCOME                                                       

BENEFIT - RIDER CHARGE                                                          

We offer a Guaranteed Minimum Income Benefit (GMIB) that you can select when    
you purchase the contract. There are six different versions of the GMIB under   
this contract: GMIB Max, GMIB Plus III, GMIB Plus II, GMIB Plus I, GMIB II, and 
GMIB I. Please check with your registered representative regarding whether GMIB 
Max, GMIB Plus III, or GMIB Plus I are available in your state. GMIB Plus II,   
GMIB II, and GMIB I are not available for sale.                                 

If you select the GMIB Max or GMIB Plus III rider, we will assess a charge      
during the accumulation phase equal to 1.00% of the income base (see "Living    
Benefits - Guaranteed Income Benefits" for a discussion of how the income base  
is determined) at the time the rider charge is assessed prior to any Optional   
Step-Up. If your income base is increased due to an Optional Step-Up under the  
GMIB Max or GMIB Plus III rider, we may reset the rider charge to a rate that   
does not exceed the lower of: (a) the Maximum Optional Step-Up Charge (1.50%)   
or (b) the current rate that we charge for the same rider available for new     
contract purchases at the time of the Optional Step-Up.                         

If you select the GMIB Plus I rider, we will assess a charge during the         
accumulation phase equal to 0.80% of the income base at the time the rider      
charge is assessed. If your income base is increased due to an Optional Reset   
under the GMIB Plus I rider, we may increase the rider charge to the charge     
applicable to contract purchases of the same rider at the time of the increase, 
but to no more than a maximum of 1.50%. For contracts issued prior to February  
26, 2007 for which the GMIB Plus I was elected, the rider charge equals 0.75%   
of the income base.                                                             

For contracts issued on or after February 24, 2009 for which the GMIB Plus II   
was elected, we will assess a rider charge during the accumulation phase equal  
to 1.00% of the income base at the time the rider charge is assessed. If        

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your income base is increased due to an Optional Step-Up under the GMIB Plus II 
rider, we may increase the rider charge to the charge applicable to contract    
purchases of the same rider at the time of the increase, but to no more than a  
maximum of 1.50%. For contracts issued prior to February 24, 2009 for which the 
GMIB Plus II was elected, the rider charge equals 0.80% of the income base.     

If you selected the GMIB II rider or the GMIB I rider, the charge is 0.50% of   
the income base at the time the charge is assessed. For contracts issued from   
May 1, 2003 and prior to May 1, 2005 for which the GMIB II or GMIB I was        
elected, the rider charge is reduced to 0.45% of the income base if you elected 
either the optional Annual Step-Up Death Benefit or the Compounded-Plus Death   
Benefit. (See "Death Benefit.") For contracts issued on and after May 1, 2005,  
the rider charge is not reduced if you elected either the optional Annual       
Step-Up Death Benefit or the Compounded-Plus Death Benefit. For contracts       
issued prior to February 15, 2003, the GMIB I rider charge equals 0.35% of the  
income base.                                                                    

The rider charge is assessed at the first contract anniversary, and then at     
each subsequent contract anniversary, up to and including the anniversary on or 
immediately preceding the date the rider is exercised. If you make a full       
withdrawal (surrender) or if you begin to receive annuity payments at the       
annuity date, a pro rata portion of the rider charge will be assessed based on  
the number of months from the last contract anniversary to the date of          
withdrawal or application to an annuity option. The GMIB rider charge is        
deducted from your account value pro rata from each investment portfolio, the   
fixed account and the EDCA account in the ratio each portfolio/                 

account bears to your total account value. We take amounts from the investment  
options that are part of the Separate Account by canceling accumulation units   
from the Separate Account.                                                      

LIFETIME WITHDRAWAL GUARANTEE AND GUARANTEED WITHDRAWAL BENEFIT - RIDER CHARGE  

There are two versions of the optional Lifetime Withdrawal Guarantee rider: the 
Lifetime Withdrawal Guarantee II rider and the Lifetime Withdrawal Guarantee I  
rider (collectively referred to as the Lifetime Withdrawal Guarantee riders).   
There are also two versions of the optional Guaranteed Withdrawal Benefit       
("GWB") rider: the Enhanced GWB rider and the GWB I rider (collectively         
referred to as the Guaranteed Withdrawal Benefit riders). The GWB I rider is no 
longer available for purchase. Please check with your registered representative 
regarding which versions are available in your state.                           

If you elect one of the Lifetime Withdrawal Guarantee riders or one of the      
Guaranteed Withdrawal Benefit riders, a charge is deducted from your account    
value during the accumulation phase on each contract anniversary. The charge    
for the Lifetime Withdrawal Guarantee II rider is equal to 1.25% (Single Life   
version) or 1.50% (Joint Life version) of the Total Guaranteed Withdrawal       
Amount (see "Living Benefits - Guaranteed Withdrawal Benefits -                 

Description of the Lifetime Withdrawal Guarantee II") on the applicable         
contract anniversary, prior to taking into account any Automatic Annual Step-Up 
occurring on such contract anniversary.                                         

For contracts issued on or after February 24, 2009 and prior to July 13, 2009,  
the charge for the Lifetime Withdrawal Guarantee II rider is equal to 1.25%     
(Single Life version) or 1.50% (Joint Life version) of the Total Guaranteed     
Withdrawal Amount on the applicable contract anniversary, after applying any    
7.25% Compounding Income Amount and prior to taking into account any Automatic  
Annual Step-Up occurring on such contract anniversary.                          

For contracts issued prior to February 24, 2009, the charge for the Lifetime    
Withdrawal Guarantee II rider is equal to 0.65% (Single Life version) or 0.85%  
(Joint Life version) of the Total Guaranteed Withdrawal Amount (see "Living     
Benefits - Guaranteed Withdrawal Benefits - Description of the Lifetime         
Withdrawal Guarantee II") on the applicable contract anniversary, after         
applying any 7.25% Compounding Income Amount and prior to taking into account   
any Automatic Annual Step-Up occurring on such contract anniversary.            

The charge for the Lifetime Withdrawal Guarantee I rider is equal to 0.50%      
(Single Life version) or 0.70% (Joint Life version) of the Total Guaranteed     
Withdrawal Amount on the applicable contract anniversary, after applying any 5% 
Compounding Income Amount and prior to taking into account any Automatic Annual 
Step-Up occurring on such contract anniversary.                                 

The charge for the Enhanced GWB rider is equal to 0.55% of the Guaranteed       
Withdrawal Amount (see "Living Benefits - Guaranteed Withdrawal Benefits -      
Description of the Enhanced Guaranteed Withdrawal Benefit") on the applicable   
contract anniversary, prior to taking into account any Optional Reset occurring 
on such contract                                                                

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anniversary. (For contracts issued prior to July 16, 2007, the charge for the   
Enhanced GWB rider is equal to 0.50% of the Guaranteed Withdrawal Amount on the 
applicable contract anniversary, prior to taking into account any Optional      
Reset occurring on such contract anniversary.) The charge for the GWB I rider   
is equal to 0.50% of the Guaranteed Withdrawal Amount on the applicable         
contract anniversary, prior to taking into account any Optional Reset occurring 
on such contract anniversary.                                                   

The rider charge for the Lifetime Withdrawal Guarantee riders and the           
Guaranteed Withdrawal Benefit riders is deducted from your account value pro    
rata from each investment portfolio, the fixed account and the EDCA account in  
the ratio each portfolio/account bears to your total account value. We take     
amounts from the investment options that are part of the Separate Account by    
canceling accumulation units from the Separate Account. If you make a full      
withdrawal (surrender) of your account value, you apply your account value to   
an annuity option, there is a change in owners, joint owners or annuitants (if  
the owner is a non-natural person), the contract terminates (except for a       
termination due to death), or (under the Lifetime Withdrawal Guarantee II       
rider) you assign your contract, a pro rata portion of the rider charge will be 
assessed based on the number of full months from the last contract anniversary  
to the date of the change. If the Enhanced GWB rider or a Lifetime Withdrawal   
Guarantee rider is cancelled pursuant to the cancellation provisions of each    
rider, a pro rata portion of the rider charge will not be assessed based on the 
period from the most recent contract anniversary to the date the cancellation   
takes effect.                                                                   

If an Automatic Annual Step-Up occurs under the Lifetime Withdrawal Guarantee   
II rider, we may reset the Lifetime Withdrawal Guarantee II rider charge to a   
rate that does not exceed the lower of: (a) the Maximum Optional Step-Up Charge 
(1.60% for the Single Life version or 1.80% for the Joint Life version) or (b)  
the current rate that we charge for the same rider available for new contract   
purchases at the time of the Automatic Annual Step-Up. For contracts issued     
prior to February 24, 2009, the Maximum Optional Step-Up Charge is 1.25%        
(Single Life version) or 1.50% (Joint Life version). If an Automatic Annual     
Step-Up occurs under the Lifetime Withdrawal Guarantee I rider, we may increase 
the Lifetime Withdrawal Guarantee I rider charge to the charge applicable to    
current contract purchases of the same rider at the time of the step-up, but to 
no more than a maximum of 0.95% (Single Life version) or 1.40% (Joint Life      
version) of the Total Guaranteed Withdrawal Amount.                             

If you elect an Optional Reset as permitted under the Enhanced GWB rider or the 
GWB I rider, we may increase the rider charge to the Enhanced GWB/GWB I rider   
charge applicable to current contract purchases of the same rider at the time   
of the reset, but to no more than a maximum of 1.00% (for Enhanced GWB) or      
0.95% (for GWB I) of the Guaranteed Withdrawal Amount. (For contracts issued    
prior to July 16, 2007, the maximum charge for the Enhanced GWB rider upon an   
Optional Reset is equal to 0.95% of the Guaranteed Withdrawal Amount.)          

If one of the Lifetime Withdrawal Guarantee riders is in effect, the rider      
charge will continue if your Remaining Guaranteed Withdrawal Amount (see        
"Living Benefits -                                                              

Guaranteed Withdrawal Benefits - Description of the Lifetime Withdrawal         
Guarantee II") equals zero. If the Enhanced GWB or GWB I rider is in effect,    
the rider charge will not continue if your Benefit Base (see "Living Benefits - 
Guaranteed Withdrawal Benefits - Description of the Enhanced Guaranteed         
Withdrawal Benefit") equals zero.                                               

GUARANTEED MINIMUM ACCUMULATION                                                 

BENEFIT - RIDER CHARGE                                                          

The Guaranteed Minimum Accumulation Benefit (GMAB) rider is no longer available 
for sale. If you elected the GMAB, a charge is deducted from your account value 
during the accumulation phase on each contract anniversary. The charge is equal 
to 0.75% of the GMAB Guaranteed Accumulation Amount (see "Living Benefits-      
Guaranteed Minimum Accumulation Benefit") at the end of the prior contract      
year. The GMAB rider charge is deducted from your account value pro rata from   
your contract's MetLife Asset Allocation Program portfolio and the EDCA account 
in the ratio each portfolio/account bears to your total account value. We take  
amounts from the investment options that are part of the Separate Account by    
cancelling accumulation units from the Separate Account. If you make a full     
withdrawal (surrender) of your account value or you apply your account value to 
an annuity                                                                      

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option, we will assess a pro rata portion of the GMAB rider charge based on the 
number of whole months since the last contract anniversary.                     

WITHDRAWAL CHARGE                                                               

We impose a withdrawal charge to reimburse us for contract sales expenses,      
including commissions and other distribution, promotion, and acquisition        
expenses. During the accumulation phase, you can make a withdrawal from your    
contract (either a partial or a complete withdrawal). If the amount you         
withdraw is determined to include the withdrawal of any of your prior purchase  
payments, a withdrawal charge is assessed against the purchase payment          
withdrawn. To determine if your withdrawal includes prior purchase payments,    
amounts are withdrawn from your contract in the following order:                

1.    Earnings in your contract (earnings are equal to your account value, less 
purchase payments not previously withdrawn); then                     

2.    The free withdrawal amount described below; then                          

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

A withdrawal charge may be assessed if prior purchase payments are withdrawn    
pursuant to a divorce or separation instrument, if permissible under tax law.   

FREE WITHDRAWAL AMOUNT. The free withdrawal amount for each contract year after 
the first (there is no free withdrawal amount in the first contract year) is    
equal to 10% of your total purchase payments, less the total free withdrawal    
amount previously withdrawn in the same contract year. Also, we currently will  
not assess the withdrawal charge on amounts withdrawn during the first contract 
year under the Systematic Withdrawal Program. Any unused free withdrawal amount 
in one contract year does not carry over to the next contract year.             

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

                                                                [Download Table]

Number of Complete Years from        Withdrawal Charge   
Receipt of Purchase Payment       (% of Purchase Payment)
------------------------------   ------------------------
                                                         
  0                                         7            

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

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

If the account value is smaller than the total of all purchase payments, the    
withdrawal charge only applies up to the account value.                         

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

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

REDUCTION OR ELIMINATION OF THE WITHDRAWAL CHARGE                               

GENERAL. We may elect to reduce or eliminate the amount of the withdrawal       
charge when the contract is sold under circumstances which reduce our sales     
expenses. Some examples are: if there is a large group of individuals that will 
be purchasing the contract, or if a prospective purchaser already had a         
relationship with us. We may not deduct a withdrawal charge under a contract    
issued to an officer, director, employee, or a family member of an              

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officer, director, or employee of ours or any of our affiliates, and we may not 
deduct a withdrawal charge under a contract issued to an officer, director or   
employee or family member of an officer, director or employee of a              
broker-dealer that is participating in the offering of the contract. In lieu of 
a withdrawal charge waiver, we may provide an account value credit.             

NURSING HOME OR HOSPITAL CONFINEMENT RIDER. We will not impose a withdrawal     
charge if, after you have owned the contract for one year, you or your joint    
owner becomes confined to a nursing home and/or hospital for at least 90        
consecutive days or confined for a total of at least 90 days if there is no     
more than a 6 month break in confinement and the confinements are for related   
causes. The confinement must begin after the first contract anniversary and you 
must have been the owner continuously since the contract was issued (or have    
become the owner as the spousal beneficiary who continues the contract). The    
confinement must be prescribed by a physician and be medically necessary. You   
must exercise this right no later than 90 days after you or your joint owner    
exits the nursing home or hospital. This waiver terminates on the annuity date. 
We will not accept additional payments once this waiver is used. There is no    
charge for this rider. This rider may not be available in your state. (Check    
with your registered representative regarding availability.)                    

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

For contracts issued on and after May 1, 2005, the Nursing Home or Hospital     
Confinement rider and the Terminal Illness rider are not available for owners   
who are age 81 or older (on the contract issue date). Additional conditions and 
requirements apply to the Nursing Home or Hospital Confinement rider and the    
Terminal Illness rider. They are specified in the rider(s) that are part of     
your contract.                                                                  

PREMIUM AND OTHER TAXES                                                         

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

TRANSFER FEE                                                                    

We currently allow unlimited transfers without charge during the accumulation   
phase. However, we have reserved the right to limit the number of transfers to  
a maximum of 12 per year without charge and to charge a transfer fee of $25 for 
each transfer greater than 12 in any year. We are currently waiving the         
transfer fee, but reserve the right to charge it in the future. The transfer    
fee is deducted from the investment portfolio or fixed account from which the   
transfer is made. However, if the entire interest in an account is being        
transferred, the transfer fee will be deducted from the amount which is         
transferred.                                                                    

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

INCOME TAXES                                                                    

We will deduct from the contract for any income taxes which we incur because of 
the contract. At the present time, we are not making any such deductions.       

INVESTMENT PORTFOLIO EXPENSES                                                   

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

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5.  ANNUITY PAYMENTS                                                            

(THE INCOME PHASE)                                              

ANNUITY DATE                                                                    

Under the contract you can receive regular income payments (referred to as      
ANNUITY PAYMENTS). You can choose the month and year in which those payments    
begin. We call that date the ANNUITY DATE. Your annuity date must be the first  
day of a calendar month and must be at least 30 days after we issue the         
contract. Annuity payments must begin by the first day of the calendar month    
following the annuitant's 90th birthday or 10 years from the date we issue your 
contract, whichever is later (this requirement may be changed by us).           

When you purchase the contract, the annuity date will be the later of the first 
day of the calendar month after the annuitant's 90th birthday or 10 years from  
the date your contract was issued. You can change the annuity date at any time  
before the annuity date with 30 days prior notice to us, subject to             
restrictions that may apply in your state.                                      

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 
A LIVING BENEFIT RIDER SUCH AS A GUARANTEED MINIMUM INCOME BENEFIT, A           
GUARANTEED WITHDRAWAL BENEFIT, OR THE GUARANTEED MINIMUM ACCUMULATION BENEFIT,  
ANNUITIZING YOUR CONTRACT TERMINATES THE RIDER, INCLUDING ANY DEATH BENEFIT     
PROVIDED BY THE RIDER AND ANY GUARANTEED PRINCIPAL ADJUSTMENT (FOR THE GMIB     
MAX, GMIB PLUS, OR LIFETIME WITHDRAWAL GUARANTEE RIDERS) OR GUARANTEED          
ACCUMULATION PAYMENT (FOR THE GUARANTEED MINIMUM ACCUMULATION BENEFIT RIDER)    
THAT MAY ALSO BE PROVIDED BY THE RIDER.                                         

ANNUITY PAYMENTS                                                                

You (unless another payee is named) will receive the annuity payments during    
the income phase. The annuitant is the natural person(s) whose life we look to  
in the determination of annuity payments.                                       

During the income phase, you have the same investment choices you had just      
before the start of the income phase. At the annuity date, you can choose       
whether payments will be:                                                       

o  fixed annuity payments, or                                                   

o  variable annuity payments, or                                                

o  a combination of both.                                                       

If you don't tell us otherwise, your annuity payments will be based on the      
investment allocations that were in place just before the start of the income   
phase.                                                                          

If you choose to have any portion of your annuity payments based on the         
investment portfolio(s), the dollar amount of your initial payment will vary    
and will depend upon three things:                                              

1)    the value of your contract in the investment portfolio(s) just before the 
start of the income phase,                                            

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

3)    the annuity option elected.                                               

Subsequent variable annuity payments will vary with the performance of the      
investment portfolios you selected. (For more information, see "Variable        
Annuity Payments" below.)                                                       

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

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

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

A transfer during the income phase from a variable annuity payment option to a  
fixed annuity payment option may result in a reduction in the amount of annuity 
payments.                                                                       

If you choose to have any portion of your annuity payments be a fixed annuity   
payment, the dollar amount of each fixed annuity payment will not change,       
unless you                                                                      

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make a transfer from a variable annuity payment option to the fixed annuity     
payment that causes the fixed annuity payment to increase. Please refer to the  
"Annuity Provisions" section of the Statement of Additional Information for     
more information.                                                               

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

ANNUITY OPTIONS                                                                 

You can choose among income plans. We call those ANNUITY OPTIONS. We ask you to 
choose an annuity option when you purchase the contract. You can change it at   
any time before the annuity date with 30 days notice to us.                     

If you do not choose an annuity option at the time you purchase the contract,   
Option 2, which provides a life annuity with 10 years of guaranteed annuity     
payments, will automatically be applied.                                        

You can choose one of the following annuity options or any other annuity option 
acceptable to us. After annuity payments begin, you cannot change the annuity   
option.                                                                         

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

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

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

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

OPTION 5. PAYMENTS FOR A DESIGNATED PERIOD. We currently offer an annuity       
option under which fixed or variable monthly annuity payments are made for a    
selected number of years as approved by us, currently not less than 10 years.   
This annuity option may be limited or withdrawn by us in our discretion.        

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

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

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

Due to underwriting, administrative or Internal Revenue Code considerations,    
there may be limitations on payments                                            

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to the survivor under Options 3 and 4 and/or the duration of the guarantee      
period under Options 2, 4, and 5.                                               

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

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

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

VARIABLE ANNUITY PAYMENTS                                                       

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

The dollar amount of variable annuity payments after the first payment is       
determined as follows:                                                          

o  The dollar amount of the first variable annuity payment is divided by the    
 value of an annuity unit for each applicable investment portfolio as of
    the annuity calculation date. This establishes the number of annuity units
for each payment. The number of annuity units for each applicable     
investment portfolio remains fixed during the annuity period, provided
    that transfers among the subaccounts will be made by converting the number
  of annuity units being transferred to the number of annuity units of the
   subaccount to which the transfer is made, and the number of annuity units
  will be adjusted for transfers to a fixed annuity option. Please see the
Statement of Additional Information for details about making transfers
during the Annuity Phase.                                             

o  The fixed number of annuity units per payment in each investment portfolio   
   is multiplied by the annuity unit value for that investment portfolio for
  the business day for which the annuity payment is being calculated. This
   result is the dollar amount of the payment for each applicable investment
    portfolio, less any account fee. The account fee will be deducted pro rata
out of each annuity payment.                                          

o  The total dollar amount of each variable annuity payment is the sum of all   
investment portfolio variable annuity payments.                       

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

FIXED ANNUITY PAYMENTS                                                          

The Adjusted Contract Value (defined above under "Variable Annuity Payments")   
on the day immediately preceding the annuity date will be used to determine a   
fixed annuity payment. The annuity payment will be based upon the annuity       
option elected, the annuitant's age, the annuitant's sex (where permitted by    
law), and the appropriate annuity option table. Your annuity rates will         

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not be less than those guaranteed in your contract at the time of purchase. If, 
as of the annuity calculation date, the then current annuity option rates       
applicable to this class of contracts provide an annuity payment greater than   
that which is guaranteed under the same annuity option under this contract, the 
greater payment will be made. You may not make a transfer from the fixed        
annuity option to the variable annuity option.                                  

6. ACCESS TO YOUR MONEY                                                         

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

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

(2)    by electing to receive annuity payments; or                              

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

Under most circumstances, withdrawals can only be made during the accumulation  
phase.                                                                          

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

When you make a complete withdrawal, you will receive the withdrawal value of   
the contract. The withdrawal value of the contract is the account value of the  
contract at the end of the business day when we receive a written request for a 
withdrawal:                                                                     

o  less any applicable withdrawal charge;                                       

o  less any premium or other tax;                                               

o  less any account fee; and                                                    

o  less any applicable pro rata GMIB, GWB, GMAB or Enhanced Death Benefit rider 
charge.                                                               

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

We will pay the amount of any withdrawal from the Separate Account within seven 
days of when we receive the request in good order unless the suspension of      
payments or transfers provision is in effect.                                   

We may withhold payment of withdrawal proceeds if any portion of those proceeds 
would be derived from a contract owner's check that has not yet cleared (I.E.,  
that could still be dishonored by the contract owner's banking institution). We 
may use telephone, fax, Internet or other means of communication to verify that 
payment from the contract owner's check has been or will be collected. We will  
not delay payment longer than necessary for us to verify that payment has been  
or will be collected. Contract owners may avoid the possibility of delay in the 
disbursement of proceeds coming from a check that has not yet cleared by        
providing us with a certified check.                                            

How to withdraw all or part of your account value:                              

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

o  You must provide satisfactory evidence of terminal illness or confinement to 
a nursing home if you would like to have the withdrawal charge waived.
(See "Expenses - Reduction or Elimination of the Withdrawal Charge.") 

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

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

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

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

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SYSTEMATIC WITHDRAWAL PROGRAM                                                   

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

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

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

SUSPENSION OF PAYMENTS OR TRANSFERS                                             

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

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

o  trading on the New York Stock Exchange is restricted;                        

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

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

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

Federal laws designed to counter terrorism and prevent money laundering might,  
in certain circumstances, require us to block an owner's ability to make        
certain transactions and thereby refuse to accept any requests for transfers,   
withdrawals, surrenders, or death benefits until instructions are received from 
the appropriate regulator. We may also be required to provide additional        
information about you and your contract to government regulators.               

7. LIVING BENEFITS                                                              

OVERVIEW OF LIVING BENEFIT RIDERS                                               

We offer a suite of optional living benefit riders that, for certain additional 
charges, offer protection against market risk (the risk that your investments   
may decline in value or underperform your expectations). Only one of these      
riders may be elected, and the rider must be elected at contract issue. These   
optional riders are described briefly below. Please see the more detailed       
description that follows for important information on the costs, restrictions   
and availability of each optional rider. We currently offer two types of living 
benefit riders -  guaranteed income benefits and guaranteed withdrawal          
benefits:                                                                       

Guaranteed Income Benefits                                                      
--------------------------                                                      

o  GMIB Max                                                                     

o  Guaranteed Minimum Income Benefit Plus (GMIB Plus I, GMIB Plus II and GMIB   
Plus III)                                                             

o  Guaranteed Minimum Income Benefit (GMIB I and GMIB II)                       

Our guaranteed income benefit riders are designed to allow you to invest your   
account value in the market while at the same time assuring a specified         
guaranteed level of minimum fixed annuity payments if you elect the income      
phase. The fixed annuity payment amount is guaranteed regardless of investment  
performance or the actual account value at the time you annuitize. Prior to     
exercising the rider and annuitizing your contract, you may make withdrawals up 
to a maximum level specified in the rider and still maintain the benefit        
amount.                                                                         

Guaranteed Withdrawal Benefits                                                  
------------------------------                                                  

o  Lifetime Withdrawal Guarantee (LWG I and LWG II)                             

o  Enhanced Guaranteed Withdrawal Benefit (Enhanced GWB)                        

o  Guaranteed Withdrawal Benefit I (GWB I)                                      

The GWB riders are designed to guarantee that at least the entire amount of     
purchase payments you make will be returned to you through a series of          
withdrawals without annuitizing, regardless of investment performance, as long  

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as withdrawals in any contract year do not exceed the maximum amount allowed    
under the rider. A CONTRACT YEAR is defined as a one-year period starting on    
the date the contract is issued and on each contract anniversary thereafter.    

With the LWG riders, you get the same benefits, but in addition, if you make    
your first withdrawal on or after the date you reach age 59 1/2, you are        
guaranteed income without annuitizing for your life (and the life of your       
spouse, if the Joint Life version of the rider was elected, and your spouse     
elects to continue the contract and is at least age 59 1/2 at continuation),    
even after the entire amount of purchase payments has been returned.            

Guaranteed Asset Accumulation Benefit                                           
-------------------------------------                                           

Prior to May 4, 2009, we offered the Guaranteed Minimum Accumulation Benefit    
(GMAB). The GMAB is designed to guarantee that your account value will not be   
less than a minimum amount at the end of the 10-year waiting period. The amount 
of the guarantee depends on which of three permitted investment portfolios you  
select.                                                                         

GUARANTEED INCOME BENEFITS                                                      

At the time you buy the contract, you may elect a guaranteed income benefit     
rider, called a Guaranteed Minimum Income Benefit (GMIB), for an additional     
charge. Each version of these riders is designed to guarantee a predictable,    
minimum level of fixed annuity payments, regardless of the investment           
performance of your account value during the accumulation phase. HOWEVER, IF    
APPLYING YOUR ACTUAL ACCOUNT VALUE AT THE TIME YOU ANNUITIZE THE CONTRACT TO    
THEN CURRENT ANNUITY PURCHASE RATES (OUTSIDE OF THE RIDER) PRODUCES HIGHER      
INCOME PAYMENTS, YOU WILL RECEIVE THE HIGHER PAYMENTS, AND THUS YOU WILL HAVE   
PAID FOR THE RIDER EVEN THOUGH IT WAS NOT USED. Also, prior to exercising the   
rider, you may make specified withdrawals that reduce your income base (as      
explained below) during the accumulation phase and still leave the rider        
guarantees intact, provided the conditions of the rider are met. Your           
registered representative can provide you an illustration of the amounts you    
would receive, with or without withdrawals, if you exercised the rider.         

There are six different versions of the GMIB under this contract: GMIB Max,     
GMIB Plus III, GMIB Plus II, GMIB Plus I, GMIB II, and GMIB I. Please check     
with your registered representative regarding whether GMIB Max, GMIB Plus III,  
and/or GMIB Plus I is available in your state. GMIB Plus II, GMIB II, and GMIB  
I are not available for sale.                                                   

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

You may not have this benefit and a GWB or GMAB rider in effect at the same     
time. Once elected, the rider cannot be terminated except as discussed below.   

FACTS ABOUT GUARANTEED INCOME BENEFIT RIDERS                                    

INCOME BASE AND GMIB ANNUITY PAYMENTS. Under the GMIB, we calculate an "income  
base" (as described below) that determines, in part, the minimum amount you     
receive as an income payment upon exercising the GMIB rider and annuitizing the 
contract. IT IS IMPORTANT TO RECOGNIZE THAT THIS INCOME BASE IS NOT AVAILABLE   
FOR CASH WITHDRAWALS AND DOES NOT ESTABLISH OR GUARANTEE YOUR ACCOUNT VALUE OR  
A MINIMUM RETURN FOR ANY INVESTMENT PORTFOLIO. After a minimum 10-year waiting  
period, and then only within 30 days following a contract anniversary, you may  
exercise the rider. We then will apply the income base calculated at the time   
of exercise to the conservative GMIB Annuity Table (as described below)         
specified in the rider in order to determine your minimum guaranteed lifetime   
fixed monthly annuity payments (your actual payment may be higher than this     
minimum if, as discussed above, the base contract under its terms would provide 
a higher payment).                                                              

THE GMIB ANNUITY TABLE. The GMIB Annuity Table is specified in the rider. For   
GMIB Max and GMIB Plus III in contracts issued after February 25, 2011, this    
table is calculated based on the Annuity 2000 Mortality Table with 10 years of  
mortality improvement based on projection Scale AA and a 10-year age set back   
with interest of 1.0% per annum. For GMIB Plus III and GMIB Plus II in          
contracts issued from May 4, 2009 through February 25, 2011, this table is      
calculated based on the Annuity 2000 Mortality Table with a 10-year age set     
back with interest of 1.5% per annum. For GMIB Plus II in contracts issued from 
February 24, 2009 through May 1, 2009, this table is calculated based on the    
Annuity 2000 Mortality Table with                                               

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a 7-year age set back with interest of 1.5% per annum. For GMIB Plus II in      
contracts issued before February 24, 2009, and for GMIB Plus I, GMIB II and     
GMIB I, this table is calculated based on the Annuity 2000 Mortality Table with 
a 7-year age set back with interest of 2.5% per annum. As with other pay-out    
types, the amount you receive as an income payment also depends on the annuity  
option you select, your age, and (where permitted by state law) your sex. For   
GMIB Max, GMIB Plus III, and GMIB Plus II, the annuity rates for attained ages  
86 to 90 are the same as those for attained age 85. THE ANNUITY RATES IN THE    
GMIB ANNUITY TABLE ARE CONSERVATIVE AND A WITHDRAWAL CHARGE MAY BE APPLICABLE,  
SO THE AMOUNT OF GUARANTEED MINIMUM LIFETIME INCOME THAT THE GMIB PRODUCES MAY  
BE LESS THAN THE AMOUNT OF ANNUITY INCOME THAT WOULD BE PROVIDED BY APPLYING    
YOUR ACCOUNT VALUE ON YOUR ANNUITY DATE TO THEN-CURRENT ANNUITY PURCHASE RATES. 

If you exercise the GMIB rider, your annuity payments will be the greater of:   

o  the annuity payment determined by applying the amount of the income base to  
the GMIB Annuity Table, or                                            

o  the annuity payment determined for the same annuity option in accordance     
with the base contract. (See "Annuity Payments (The Income Phase).")  

If you choose not to receive annuity payments as guaranteed under the GMIB, you 
may elect any of the annuity options available under the contract.              

OWNERSHIP. If you, the owner, are a natural person, you must also be the        
annuitant. If a non-natural person owns the contract, then the annuitant will   
be considered the owner in determining the income base and GMIB annuity         
payments. If joint owners are named, the age of the older joint owner will be   
used to determine the income base and GMIB annuity payments. For the purposes   
of the Guaranteed Income Benefits section of the prospectus, "you" always means 
the owner, oldest joint owner or the annuitant, if the owner is a non-natural   
person.                                                                         

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

GMIB PLUS I, GMIB PLUS II, GMIB I, GMIB II AND QUALIFIED CONTRACTS. The GMIB    
Plus I, GMIB Plus II, GMIB I, and GMIB II riders may have limited usefulness in 
connection with a Qualified Contract, such as an IRA, in circumstances where,   
due to the ten-year waiting period after purchase (and for GMIB Plus I and GMIB 
Plus II, after an Optional Step-Up or Reset) the owner is unable to exercise    
the rider 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 10-year waiting period will have the      
effect of reducing the 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 rider. You should consult   
your tax adviser prior to electing one of these riders.                         

(See Appendix D for examples of the GMIB.)                                      

ELECTING GMIB MAX OR GMIB PLUS III. You should consult with your registered     
representative when considering whether to elect the GMIB Max or GMIB Plus III  
rider. Important factors to consider when comparing the two riders include:     

o  ANNUAL INCREASE RATE. As noted above, we calculate an income base under the  
GMIB rider that helps determine the minimum amount you receive as an  
income payment upon exercising the rider. One of the factors used in  
calculating the income base is called the "annual increase rate." The 
    annual increase rate under the GMIB Max is 6% and the annual increase rate
under the GMIB Plus III is 5%. (See "Effect of Required Minimum       
  Distributions" below for circumstances under which these percentages may
be higher.)                                                           

o  ANNUAL WITHDRAWAL AMOUNT. Each contract year, you can withdraw up to a       
    certain percentage of your Annual Increase Amount, and the Annual Increase
Amount will be reduced by the dollar amount withdrawn (not            
 proportionately). This percentage is 6% under the GMIB Max and 5% under
  the GMIB Plus III. (See "Effect of Required Minimum Distributions" below
for circumstances under which these percentages may be higher.)       

o  INVESTMENT ALLOCATION RESTRICTIONS. The GMIB Plus III rider allows you to    
allocate your purchase payments among a significantly wider variety of
investment options than the GMIB Max rider,                           

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 including investment portfolios that may offer the potential for higher
   returns than the investment portfolios available with the GMIB Max rider.
See "Investment Allocation Restrictions" below for more information.  

  o If you elect the GMIB Max, you must allocate all of your purchase payments
      and account value among five investment portfolios, and you will not
     be able to allocate purchase payments or account value to the fixed
account or to a money market portfolio.                       

o If you elect the GMIB Plus III, you must allocate all of your purchase  
   payments and account value according to the investment allocation
   restrictions described above in "Purchase - Investment Allocation
       Restrictions for Certain Riders." If you elect the GMIB Plus III, you
     will be able to allocate purchase payments and account value to the
fixed account and/or a money market portfolio.                

o  SUBSEQUENT PURCHASE PAYMENTS UNDER GMIB MAX. If the GMIB Max rider is no     
   longer available to new customers, or if we make changes in the future to
 the terms of the GMIB Max rider offered to new customers, we may choose
not to permit you to make subsequent purchase payments. You should    
   consider how significant the ability to make subsequent purchase payments
is for your long-term investment plans.                               

EFFECT OF REQUIRED MINIMUM DISTRIBUTIONS. The following only applies to IRAs    
and other contracts subject to Section 401(a)(9) of the Internal Revenue Code.  
As described below under "Annual Increase Rate" and "Withdrawal Adjustments,"   
there may be times when the amount of your required minimum distribution (which 
is based on factors including your age and your account value) in relation to   
the Annual Increase Amount causes the annual increase rate and                  
dollar-for-dollar withdrawal amount to be higher than 5% under the GMIB Plus    
III or higher than 6% under the GMIB Max.                                       

Both riders are described in detail below.                                      

DESCRIPTION OF GMIB MAX AND GMIB PLUS III                                       

In states where approved, the GMIB Max and GMIB Plus III riders are available   
only for owners up through age 78, and you can only elect the GMIB Max or GMIB  
Plus III at the time you purchase the contract. THE GMIB MAX AND GMIB PLUS III  
RIDERS MAY BE EXERCISED AFTER A 10-YEAR WAITING PERIOD AND THEN ONLY WITHIN 30  
DAYS FOLLOWING A CONTRACT ANNIVERSARY, PROVIDED THAT THE EXERCISE MUST OCCUR NO 
LATER THAN THE 30-DAY PERIOD FOLLOWING THE CONTRACT ANNIVERSARY PRIOR TO THE    
OWNER'S 91ST BIRTHDAY.                                                          

INCOME BASE. The INCOME BASE is the greater of (a) or (b) below.                

(a)    Highest Anniversary Value: On the issue date, the "Highest Anniversary   
   Value" is equal to your initial purchase payment. Thereafter, the Highest
 Anniversary Value will be increased by subsequent purchase payments and
reduced proportionately by the percentage reduction in account value  
attributable to each subsequent withdrawal (including any applicable  
    withdrawal charge). On each contract anniversary prior to the owner's 81st
    birthday, the Highest Anniversary Value will be recalculated and set equal
  to the greater of the Highest Anniversary Value before the recalculation
or the account value on the date of the recalculation.                

The Highest Anniversary Value does not change after the contract anniversary    
immediately preceding the owner's 81st birthday, except that it is increased    
for each subsequent purchase payment and reduced proportionally by the          
percentage reduction in account value attributable to each subsequent           
withdrawal (including any applicable withdrawal charge).                        

(b)    Annual Increase Amount: On the date we issue your contract, the "Annual  
  Increase Amount" is equal to your initial purchase payment. All purchase
   payments received within 120 days of the date we issue your contract will
be treated as part of the initial purchase payment for this purpose.  
  Thereafter, the Annual Increase Amount is equal to (i) less (ii), where:

(i)    is purchase payments accumulated at the annual increase rate (as 
defined below); and                                         

(ii)    is withdrawal adjustments (as defined below) accumulated at the 
annual increase rate.                                       

ANNUAL INCREASE RATE. Through the contract anniversary immediately prior to the 
owner's 91st birthday, the annual increase rate is the greatest of:             

(a)    6% for GMIB Max or 5% for GMIB Plus III;                                 

(b)    the total withdrawals during the contract year under the Automated       
Required Minimum Distribution Program and/or the Systematic Withdrawal
Program (up to a maximum of 6% of the Annual Increase Amount at the   
   beginning of the contract year for GMIB Max, or 5% of the Annual Increase
Amount at                                                             

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the beginning of the contract year for GMIB Plus III), divided by the 
Annual Increase Amount at the beginning of the contract year; or      

(c)    the required minimum distribution amount for the previous calendar year  
 or for this calendar year (whichever is greater), divided by the Annual
Increase Amount at the beginning of the contract year.                

On the first contract anniversary, "at the beginning of the contract year"      
means on the issue date; on a later contract anniversary, "at the beginning of  
the contract year" means on the prior contract anniversary.                     

Items (b) and (c) above only apply to IRAs and other contracts subject to       
Section 401(a)(9) of the Internal Revenue Code.                                 

If total withdrawals during a contract year exceed the greater of: (i)          
withdrawals under the Automated Required Minimum Distribution Program, plus     
Systematic Withdrawal Program withdrawals up to a maximum of 6% of the Annual   
Increase Amount at the beginning of the contract year for GMIB Max, or 5% of    
the Annual Increase Amount at the beginning of the contract year for GMIB Plus  
III, or (ii) the greater of the required minimum distribution amount for the    
previous calendar year or the current calendar year, items (b) and (c) above    
are not used to calculate the annual increase rate and the annual increase rate 
will be 6% for GMIB Max or 5% for GMIB Plus III.                                

During the 30 day period following the contract anniversary immediately prior   
to the owner's 91st birthday, the annual increase rate is 0%.                   

WITHDRAWAL ADJUSTMENTS. Withdrawal adjustments in a contract year are           
determined according to (a) or (b):                                             

(a)    The withdrawal adjustment for each withdrawal in a contract year is the  
 value of the Annual Increase Amount immediately prior to the withdrawal
    multiplied by the percentage reduction in account value attributed to that
withdrawal (including any applicable withdrawal charge); or           

(b)    If total withdrawals in a contract year are not greater than the annual  
    increase rate multiplied by the Annual Increase Amount at the beginning of
the contract year, and if these withdrawals are paid to you (or to the
    annuitant, if the contract is owned by a non-natural person) or to another
    payee we agree to, the total withdrawal adjustments for that contract year
    will be set equal to the dollar amount of total withdrawals (including any
applicable withdrawal charge) in that contract year. These withdrawal 
adjustments will replace the withdrawal adjustments defined in (a)    
  immediately above and be treated as though the corresponding withdrawals
occurred at the end of that contract year.                            

(See Appendix D for examples of the calculation of the income base, including   
the Highest Anniversary Value, the Annual Increase Amount, the annual increase  
rate, and the withdrawal adjustments.)                                          

In determining the GMIB annuity income, an amount equal to the withdrawal       
charge that would be assessed upon a complete withdrawal and the amount of any  
premium and other taxes that may apply will be deducted from the income base.   

OPTIONAL STEP-UP. On each contract anniversary as permitted, you may elect to   
reset the Annual Increase Amount to the account value. An Optional Step-Up may  
be beneficial if your account value has grown at a rate above the accumulation  
rate on the Annual Increase Amount (6% for GMIB Max or 5% for GMIB Plus III).   
HOWEVER, IF YOU ELECT TO RESET THE ANNUAL INCREASE AMOUNT, WE WILL RESTART THE  
10-YEAR WAITING PERIOD. IN ADDITION, WE MAY RESET THE RIDER CHARGE TO A RATE    
THAT DOES NOT EXCEED THE LOWER OF: (A) THE MAXIMUM OPTIONAL STEP-UP CHARGE      
(1.50%) OR (B) THE CURRENT RATE THAT WE CHARGE FOR THE SAME RIDER AVAILABLE FOR 
NEW CONTRACT PURCHASES AT THE TIME OF THE OPTIONAL STEP-UP. An Optional Step-Up 
is permitted only if: (1) the account value exceeds the Annual Increase Amount  
immediately before the reset; and (2) the owner (or oldest joint owner or       
annuitant if the contract is owned by a non-natural person) is not older than   
age 80 on the date of the Optional Step-Up.                                     

You may elect either: (1) a one-time Optional Step-Up at any contract           
anniversary provided the above requirements are met, or (2) Optional Step-Ups   
to occur under the Automatic Annual Step-Up. If you elect Automatic Annual      
Step-Ups, on any contract anniversary while this election is in effect, the     
Annual Increase Amount will reset to the account value automatically, provided  
the above requirements are met. The same conditions described above will apply  
to each Automatic Step-Up. You may discontinue this election at any time by     
notifying us in writing, at our Annuity Service Center (or by any other method  
acceptable to us), at least 30 days prior to the contract anniversary on which  
a reset may otherwise occur.                                                    

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Otherwise, it will remain in effect through the seventh contract anniversary    
following the date you make this election, at which point you must make a new   
election if you want Automatic Annual Step-Ups to continue. If you discontinue  
or do not re-elect the Automatic Annual Step-Ups, no Optional Step-Up will      

occur automatically on any subsequent contract anniversary unless you make a    
new election under the terms described above. (If you discontinue Automatic     
Annual Step-Ups, the rider (and the rider charge) will continue, and you may    
choose to elect a one time Optional Step-Up or reinstate Automatic Annual       
Step-Ups as described above.)                                                   

We must receive your request to exercise the Optional Step-Up in writing, at    
our Annuity Service Center, or any other method acceptable to us. We must       
receive your request prior to the contract anniversary for an Optional Step-Up  
to occur on that contract anniversary.                                          

The Optional Step-Up:                                                           

(1)    resets the Annual Increase Amount to the account value on the contract   
anniversary following the receipt of an Optional Step-Up election;    

(2)    resets the waiting period to exercise the rider to the tenth contract    
anniversary following the date the Optional Step-Up took effect; and  

(3)    may reset the rider charge to a rate that does not exceed the lower of:  
 (a) the Maximum Optional Step-Up Charge (1.50%) or (b) the current rate
   that we charge for the same rider available for new contract purchases at
the time of the Optional Step-Up.                                     

On the date of the Optional Step-Up, the account value on that day will be      
treated as a single purchase payment received on the date of the step-up for    
purposes of determining the Annual Increase Amount after the reset. All         
purchase payments and withdrawal adjustments previously used to calculate the   
Annual Increase Amount will be set equal to zero on the date of the step-up.    

INVESTMENT ALLOCATION RESTRICTIONS. As noted above, the GMIB Plus III rider     
allows you to allocate your purchase payments among a significantly wider       
variety of investment options than the GMIB Max rider, including investment     
portfolios that offer the potential for higher returns than the investment      
portfolios available with the GMIB Max rider. For a detailed description of the 
GMIB Max and GMIB Plus III investment allocation restrictions, see "Purchase -  
Investment Allocation Restrictions for Certain Riders."                         

If you elect the GMIB Max or GMIB Plus III, you may not participate in the      
Dollar Cost Averaging (DCA) program. However, you may elect to participate in   
the Enhanced Dollar Cost Averaging (EDCA) program, provided that your           
destination investment portfolios are selected in accordance with the           
investment allocation restrictions.                                             

Investment Allocation Restrictions - Comparing GMIB Max and GMIB Plus III. If   
-------------------------------------------------------------------------       
you elect the GMIB Max rider, you must allocate 100% of your purchase payments  
and account value among five investment portfolios. (By contrast, many more     
investment portfolios are available if you elect the GMIB Plus III rider; see   
"Purchase - Investment Allocation Restrictions for Certain Riders" for a        
complete list.) Four of these investment portfolios -                           

the AllianceBernstein Global Dynamic Allocation Portfolio, AQR Global Risk      
Balanced Portfolio, BlackRock Global Tactical Strategies Portfolio, and MetLife 
Balanced Plus Portfolio - are designed specifically for use with the GMIB Max   
rider, and have investment strategies intended in part to reduce the risk of    
investment losses that could require us to use our own assets to make payments  
in connection with the guarantees under the rider. For example, certain of the  
investment portfolios are managed in a way that is intended to minimize         
volatility of returns and hedge against the effects of interest rate changes.   
Other investment options that are available if the GMIB Max rider is not        
selected may offer the potential for higher returns. Before you select the GMIB 
Max rider, you and your financial representative should carefully consider      
whether the five investment options available with GMIB Max meet your           
investment objectives and risk tolerance.                                       

Restrictions on Investment Allocations If the GMIB Max Rider Terminates. If the 
-----------------------------------------------------------------------         
GMIB Max rider terminates (see "Terminating the GMIB Max and GMIB Plus III      
Riders"), you may no longer allocate subsequent purchase payments or transfer   
account value to or among the five GMIB Max investment portfolios. You may      
leave account value in the five investment portfolios, but once you transfer    
account value to an investment portfolio that is not one of the five investment 
portfolios, you will not be permitted to transfer it back to any of those five  
investment portfolios. If the GMIB Max rider terminates, you will be permitted  
to allocate subsequent purchase payments or transfer account value to any of    
the other available investment portfolios, but not to the fixed account.        

POTENTIAL RESTRICTIONS ON SUBSEQUENT PURCHASE PAYMENTS FOR GMIB MAX. In the     
future, we may                                                                  

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choose not to permit owners of existing contracts with the GMIB Max rider to    
make subsequent purchase payments if: (a) the GMIB Max rider is no longer       
available to new customers, or (b) we make certain changes to the terms of the  
GMIB Max rider offered to new customers (for example, if we change the GMIB Max 
rider charge; see your contract schedule for a list of the other changes). We   
will notify owners of contracts with the GMIB Max rider in advance if we impose 
restrictions on subsequent purchase payments. If we impose restrictions on      
subsequent purchase payments, contract owners will still be permitted to        
transfer account value among the five GMIB Max investment portfolios.           

GUARANTEED PRINCIPAL OPTION. On each contract anniversary starting with the     
tenth contract anniversary and through the contract anniversary prior to the    
owner's 91st birthday, you may exercise the Guaranteed Principal Option. If the 
owner is a non-natural person, the annuitant's age is the basis for determining 
the birthday. If there are joint owners, the age of the oldest owner is used    
for determining the birthday. We must receive your request to exercise the      
Guaranteed Principal Option in writing, or any other method that we agree to,   
within 30 days following the applicable contract anniversary. The Guaranteed    
Principal Option will take effect at the end of this 30-day period following    
that contract anniversary.                                                      

By exercising the Guaranteed Principal Option, you elect to receive an          
additional amount to be added to your account value intended to restore your    
initial investment in the contract, in lieu of receiving GMIB payments. The     
additional amount is called the Guaranteed Principal Adjustment and is equal to 
(a) minus (b) where:                                                            

(a)    is purchase payments credited within 120 days of the date we issued the  
  contract (reduced proportionately by the percentage reduction in account
value attributable to each partial withdrawal (including applicable   
withdrawal charges) prior to the exercise of the Guaranteed Principal 
Option) and                                                           

(b)    the account value on the contract anniversary immediately preceding      
exercise of the Guaranteed Principal Option.                          

The Guaranteed Principal Option can only be exercised if (a) exceeds (b), as    
defined above. The Guaranteed Principal Adjustment will be added to each        
applicable investment portfolio in the ratio the portion of the account value   
in such investment portfolio bears to the total account value in all investment 
portfolios. IT IS IMPORTANT TO NOTE THAT ONLY PURCHASE PAYMENTS MADE DURING THE 
FIRST 120 DAYS THAT YOU HOLD THE CONTRACT ARE TAKEN INTO CONSIDERATION IN       
DETERMINING THE GUARANTEED PRINCIPAL ADJUSTMENT. IF YOU ANTICIPATE MAKING       
PURCHASE PAYMENTS AFTER 120 DAYS, YOU SHOULD UNDERSTAND THAT SUCH PAYMENTS WILL 
NOT INCREASE THE GUARANTEED PRINCIPAL ADJUSTMENT. However, because purchase     
payments made after 120 days will increase your account value, such payments    
may have a significant impact on whether or not a Guaranteed Principal          
Adjustment is due. Therefore, the GMIB Max and GMIB Plus III riders may not be  
appropriate for you if you intend to make additional purchase payments after    
the 120-day period and are purchasing the rider for this feature.               

The Guaranteed Principal Adjustment will never be less than zero. IF THE        
GUARANTEED PRINCIPAL OPTION IS EXERCISED, THE GMIB MAX OR GMIB PLUS III RIDER   
WILL TERMINATE AS OF THE DATE THE OPTION TAKES EFFECT AND NO ADDITIONAL GMIB    
CHARGES WILL APPLY THEREAFTER. The variable annuity contract, however, will     
continue, and the GMIB Max or GMIB Plus III investment allocation restrictions, 
described above, will no longer apply (except as described above under          
"Restrictions on Investment Allocations if the GMIB Max Rider Terminates").     

EXERCISING THE GMIB MAX OR GMIB PLUS III RIDER. If you exercise the GMIB Max or 
GMIB Plus III, you must elect to receive annuity payments under one of the      
following fixed annuity options:                                                

(1)    Life annuity with 5 years of annuity payments guaranteed.                

(2)    Joint and last survivor annuity with 5 years of annuity payments         
  guaranteed. Based on federal tax rules, this option is not available for
   Qualified Contracts where the difference in ages of the joint annuitants,
    who are not spouses, is greater than 10 years. (See "Annuity Payments (The
Income Phase).")                                                      

These options are described in the contract and the GMIB Max and GMIB Plus III  
riders.                                                                         

The GMIB Annuity Table is specified in the rider. This table is calculated      
based on the Annuity 2000 Mortality Table with 10 years of mortality            
improvement based on projection Scale AA and a 10-year age set back with        
interest of 1.0% per annum. As with other payout types, the amount you receive  
as an income payment also depends                                               

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on the annuity option you select, your age, and (where permitted by state law)  
your sex. The annuity rates for attained ages 86 to 90 are the same as those    
for attained age 85. THE ANNUITY RATES IN THE GMIB ANNUITY TABLE ARE            
CONSERVATIVE AND A WITHDRAWAL CHARGE MAY BE APPLICABLE, SO THE AMOUNT OF        
GUARANTEED MINIMUM LIFETIME INCOME THAT THE GMIB PRODUCES MAY BE LESS THAN THE  
AMOUNT OF ANNUITY INCOME THAT WOULD BE PROVIDED BY APPLYING YOUR ACCOUNT VALUE  
ON YOUR ANNUITY DATE TO THEN-CURRENT ANNUITY PURCHASE RATES.                    

If you exercise the GMIB Max or GMIB Plus III, your annuity payments will be    
the greater of:                                                                 

o  the annuity payment determined by applying the amount of the income base to  
the GMIB Annuity Table, or                                            

o  the annuity payment determined for the same annuity option in accordance     
with the base contract. (See "Annuity Payments (The Income Phase).")  

If the amount of the guaranteed minimum lifetime income that the GMIB Max or    
GMIB Plus III produces is less than the amount of annuity income that would be  
provided by applying contract value on the annuity date to the then-current     
annuity purchase rates, then you would have paid for a benefit that you did not 
use.                                                                            

If you take a full withdrawal of your account value, your contract is           
terminated by us due to its small account value and inactivity (see "Purchase - 
Purchase Payments"), or your contract lapses and there remains any income base, 
we will commence making income payments within 30 days of the date of the full  
withdrawal, termination or lapse. In such cases, your income payments under     
this benefit, if any, will be determined using the income base and any          
applicable withdrawal adjustment that was taken on account of the withdrawal,   
termination or lapse.                                                           

ENHANCED PAYOUT RATES. As noted above, the annuity rates in the GMIB Annuity    
Table are calculated based on the Annuity 2000 Mortality Table with 10 years of 
mortality improvement based on projection Scale AA and a 10-year age set back   
with interest of 1.0% per annum. However, the GMIB Max and GMIB Plus III payout 
rates are enhanced under the following circumstances. If:                       

o  you begin withdrawals on or after your 62nd birthday;                        

o  your account value is fully withdrawn or decreases to zero at or after your  
62nd birthday and there is an income base remaining; and              

o  the annuity option you select is the single life annuity with 5 years of     
annuity payments guaranteed;                                          

then the annual annuity payments under the GMIB Max or GMIB Plus III rider will 
equal or exceed 5% of the income base (calculated on the date the payments are  
determined).                                                                    

Alternatively, the GMIB Max payout rates are enhanced under the following       
circumstances. (The following does not apply to the GMIB Plus III rider.) If:   

o  you begin withdrawals on or after your 70th birthday;                        

o  your account value is fully withdrawn or decreases to zero at or after your  
70th birthday and there is an income base remaining; and              

o  the annuity option you select is the single life annuity with 5 years of     
annuity payments guaranteed;                                          

then the annual annuity payments under the GMIB Max rider will equal or exceed  
6% of the income base (calculated on the date the payments are determined).     

For contracts issued with the GMIB Plus III rider from July 19, 2010 through    
----------------------------------------------------------------------------    
February 25, 2011, the following enhanced payout rates apply. If:               
-----------------                                                               

o  you begin withdrawals on or after your 62nd birthday;                        

o  your account value is fully withdrawn or decreases to zero at or after your  
62nd birthday and there is an income base remaining; and              

o  the annuity option you select is the single life annuity with 5 years of     
annuity payments guaranteed;                                          

then the annual annuity payments under the GMIB Plus III rider will equal or    
exceed 5.5% of the income base (calculated on the date the payments are         
determined).                                                                    

Alternatively, if:                                                              

o  you begin withdrawals on or after your 60th birthday;                        

o  your account value is fully withdrawn or decreases to zero at or after your  
60th birthday and there is an income base remaining; and              

o  the annuity option you select is the single life annuity with 5 years of     
annuity payments guaranteed;                                          

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then the annual annuity payments under the GMIB Plus III rider will equal or    
exceed 5% of the income base (calculated on the date the payments are           
determined).                                                                    

If you choose not to receive annuity payments as guaranteed under the GMIB Max  
or GMIB Plus III, you may elect any of the annuity options available under the  
contract.                                                                       

TERMINATING THE GMIB MAX OR GMIB PLUS III RIDER. Except as otherwise provided   
in the GMIB Max or GMIB Plus III rider, each rider will terminate upon the      
earliest of:                                                                    

a)    The 30th day following the contract anniversary prior to your 91st
birthday;                                                   

b)    The date you make a complete withdrawal of your account value (if 
        there is an income base remaining you will receive payments based on
the remaining income base);                                 

c)    The date you elect to receive annuity payments under the contract 
and you do not elect to receive payments under the GMIB;    

d)    Death of the owner or joint owner (unless the spouse (age 89 or   
        younger) is the beneficiary and elects to continue the contract), or
     death of the annuitant if a non-natural person owns the contract;

e)    A change for any reason of the owner or joint owner or the        
        annuitant, if a non-natural person owns the contract, subject to our
administrative procedures;                                  

f)    The effective date of the Guaranteed Principal Option; or         

g)    The date you assign your contract.                                

Under our current administrative procedures, we will waive the termination of   
the GMIB Max or GMIB Plus III rider if you assign the contract under the        
following limited circumstances: if the assignment is solely for your benefit   
on account of your direct transfer of account value under Section 1035 of the   
Internal Revenue Code to fund premiums for a long term care insurance policy or 
purchase payments for an annuity contract issued by an insurance company which  
is not our affiliate and which is licensed to conduct business in any state.    
All such direct transfers are subject to any applicable withdrawal charges.     

When the GMIB Max or GMIB Plus III rider terminates, the corresponding GMIB Max 
or GMIB Plus III rider charge terminates and the GMIB Max or GMIB Plus III      
investment allocation restrictions, described above, will no longer apply       
(except as described above under "Restrictions on Investment Allocations if the 
GMIB Max Rider Terminates").                                                    

USE OF AUTOMATED REQUIRED MINIMUM DISTRIBUTION PROGRAM AND SYSTEMATIC           
WITHDRAWAL PROGRAM WITH GMIB MAX OR GMIB PLUS III                               

For IRAs and other contracts subject to Section 401(a)(9) of the Internal       
Revenue Code, you may be required to take withdrawals to fulfill minimum        
distribution requirements generally beginning at age 70 1/2.                    

Used with the GMIB Max or GMIB Plus III rider, our Automated Required Minimum   
Distribution Program can help you fulfill minimum distribution requirements     
with respect to your contract without reducing the income base on a             
proportionate basis. (Reducing the income base on a proportionate basis could   
have the effect of reducing or eliminating the value of annuity payments under  
the GMIB Max or GMIB Plus III riders.) The Automated Required Minimum           
Distribution Program calculates minimum distribution requirements with respect  
to your contract and makes payments to you on a monthly, quarterly, semi-annual 
or annual basis.                                                                

Alternatively, you may choose to enroll in both the Automated Required Minimum  
Distribution Program and the Systematic Withdrawal Program (see "Access to Your 
Money - Systematic Withdrawal Program"). In order to avoid taking withdrawals   
that could reduce the income base on a proportionate basis, withdrawals under   
the Systematic Withdrawal Program should not exceed 6% of the Annual Increase   
Amount at the beginning of the contract year with the GMIB Max, or 5% of the    
Annual Increase Amount at the beginning of the contract year with the GMIB Plus 
III. Any amounts above 6% of the Annual Increase Amount (for GMIB Max) or 5% of 
the Annual Increase Amount (for GMIB Plus III) that need to be withdrawn to     
fulfill minimum distribution requirements can be paid out at the end of the     
calendar year by the Automated Required Minimum Distribution Program. For       
example, if you elect the GMIB Plus III and enroll in the Systematic Withdrawal 
Program and elect to receive monthly payments totaling 5% of the Annual         
Increase Amount, you should also enroll in the Automated Required Minimum       
Distribution Program and elect to receive your Automated Required Minimum       
Distribution Program                                                            

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payment on an annual basis, after the Systematic Withdrawal Program monthly     
payment in December.                                                            

If you enroll in either the Automated Required Minimum Distribution Program or  
both the Automated Required Minimum Distribution Program and the Systematic     
Withdrawal Program, you should not make additional withdrawals outside the      
programs. Additional withdrawals may result in the income base being reduced on 
a proportionate basis, and have the effect of reducing or eliminating the value 
of annuity payments under the GMIB Max or GMIB Plus III rider.                  

To enroll in the Automated Required Minimum Distribution Program and/or the     
Systematic Withdrawal Program, please contact our Annuity Service Center.       

(See Appendix D for examples illustrating the operation of the GMIB.)           

DESCRIPTION OF GMIB PLUS II                                                     

In states where approved, the GMIB Plus II was available with contracts issued  
before July 19, 2010.                                                           

GMIB Plus II is identical to GMIB Plus III, with the following exceptions:      

(1)    The GMIB Plus II income base and withdrawal adjustments are calculated   
    as described above for GMIB Plus III, except that the annual increase rate
   is 5% per year through the contract anniversary prior to the owner's 91st
    birthday and 0% thereafter. Items (b) and (c) under "Annual Increase Rate"
 above (regarding required minimum distributions, the Automated Required
 Minimum Distribution Program, and the Systematic Withdrawal Program) do
not apply to the calculation of the income base or the withdrawal     
adjustments under the GMIB Plus II rider.                             

(2)    The GMIB Annuity Table is calculated based on the Annuity 2000 Mortality 
Table with a 10-year age set back with interest of 1.5% per annum.    

(3)    The GMIB payout rates are enhanced to be at least (a) 5.5% of the income 
 base (calculated on the date the payments are determined) in the event:
(i) you begin withdrawals on or after your 62nd birthday; (ii) your   
account value is fully withdrawn or decreases to zero on or after your
    62nd birthday and there is an income base remaining; and (iii) the annuity
option you select is the single life annuity with 5 years of annuity  
   payments guaranteed, or (b) 5% of the income base (calculated on the date
    the payments are determined) in the event: (i) you begin withdrawals on or
 after your 60th birthday; (ii) your account value is fully withdrawn or
 decreases to zero on or after your 60th birthday and there is an income
    base remaining; and (iii) the annuity option you select is the single life
annuity with 5 years of annuity payments guaranteed.                  

For contracts issued with the GMIB Plus II rider from February 24, 2009 through 
------------------------------------------------------------------------------- 
May 1, 2009, the following additional differences apply:                        
-----------                                                                     

(4) The annual increase rate is 6% through the contract anniversary immediately 
prior to your 91st birthday, and 0% per year thereafter.                        

(5) If total withdrawals in a contract year are 6% or less of the Annual        
Increase Amount on the issue date or on the prior contract anniversary after    
the first contract year, and if these withdrawals are paid to you (or the       
annuitant if the contract is owned by a non-natural person) or to another payee 
we agree to, the total withdrawal adjustments for that contract year will be    
set equal to the dollar amount of total withdrawals (including any applicable   
withdrawal charge) in that contract year.                                       

(6) The fixed annuity options are the single life annuity with 10 years of      
annuity payments guaranteed (if you choose to start the Annuity Option after    
age 79, the year of the Guarantee Period component of the Annuity Option is     
reduced to: 9 years at age 80, 8 years at age 81, 7 years at age 82, 6 years at 
age 83, or 5 years at ages 84 through 90) or the joint and last survivor        
annuity with 10 years of annuity payments guaranteed (not available for         
Qualified Contracts where the difference in ages of the joint annuitants is     
greater than 10 years; this limitation only applies to joint annuitants who are 
not spouses).                                                                   

(7) Different investment allocation restrictions apply. (See "Purchase -        
Investment Allocation Restrictions for Certain Riders.")                        

(8) The GMIB Annuity Table is calculated based on the Annuity 2000 Mortality    
Table with a 7-year age set back with interest of 1.5% per annum.               

(9) The GMIB payout rates are enhanced to be at least (a) 6% of the income base 
(calculated on the date the payments are determined) in the event: (i) you      
begin withdrawals on or after your 62nd birthday; (ii) your account value is    
fully withdrawn or decreases to zero on or after your 62nd birthday and there   
is an income base remaining; and (iii) the annuity option you select is the     

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single life annuity with 10 years of annuity payments guaranteed, or (b) 5% of  
the income base (calculated on the date the payments are determined) if: (i)    
you begin withdrawals on or after your 60th birthday; (ii) your account value   
is fully withdrawn or decreases to zero on or after your 60th birthday and      
there is an income base remaining; and (iii) the annuity option you select is   
the single life annuity with 10 years of annuity payments guaranteed.           

For contracts issued with the GMIB Plus II rider before February 24, 2009,      
-------------------------------------------------------------------------       
differences (4) through (7) above apply, and the following replaces differences 
(8) and (9):                                                                    

(8) The GMIB Annuity Table is calculated based on the Annuity 2000 Mortality    
Table with a 7-year age set back with interest of 2.5% per annum.               

(9) The GMIB payout rates are enhanced to be at least 6% of the income base     
(calculated on the date the payments are determined) in the event: (i) you      
begin withdrawals on or after your 60th birthday; (ii) your account value is    
fully withdrawn or decreases to zero on or after your 60th birthday and there   
is an income base remaining; and (iii) the annuity option you select is the     
single life annuity with 10 years of annuity payments guaranteed.               

DESCRIPTION OF GMIB PLUS I                                                      

In states where the GMIB Plus I has been approved and the GMIB Max and/or GMIB  
Plus III have not been approved, the GMIB Plus I is available only for owners   
up through age 75, and you can only elect GMIB Plus I at the time you purchase  
the contract. GMIB Plus I may be exercised after a 10-year waiting period and   
then only within 30 days following a contract anniversary, provided that the    
exercise must occur no later than the 30-day period following the contract      
anniversary on or following the owner's 85th birthday.                          

GMIB Plus I is otherwise identical to GMIB Plus II, with the following          
exceptions:                                                                     

(1)    The GMIB Plus I income base is calculated as described above, except     
that the annual increase rate is 6% per year through the contract     
  anniversary on or following the owner's 85th birthday and 0% thereafter.

(2)    An "Optional Step-Up" under the GMIB Plus II rider is referred to as an  
"Optional Reset" under the GMIB Plus I rider. An Optional Reset is    
permitted only if: (a) the account value exceeds the Annual Increase  
 Amount immediately before the reset; and (b) the owner (or oldest joint
 owner or annuitant if the contract is owned by a non-natural person) is
not older than age 75 on the date of the Optional Reset.              

(3)    If your income base is increased due to an Optional Reset under the GMIB 
    Plus I rider, we may increase the rider charge to the charge applicable to
  contract purchases of the same rider at the time of the increase, but to
no more than a maximum of 1.50%.                                      

(4)    The Guaranteed Principal Option may be exercised on each contract        
  anniversary starting with the tenth contract anniversary and through the
contract anniversary prior to the owner's 86th birthday.              

(5)    We reserve the right to prohibit an Optional Reset if we no longer offer 
 this benefit for this class of contract. We are waiving this right with
    respect to purchasers of the contract offered by this prospectus who elect
 or have elected the GMIB Plus I rider and will allow Optional Resets by
   those purchasers even if this benefit is no longer offered for this class
of contract.                                                          

(6)    The fixed annuity options are the single life annuity with 10 years of   
annuity payments guaranteed (if you choose to start the Annuity Option
 after age 79, the year of the Guarantee Period component of the Annuity
    Option is reduced to: 9 years at age 80, 8 years at age 81, 7 years at age
    82, 6 years at age 83, or 5 years at ages 84 and 85) or the joint and last
survivor annuity with 10 years of annuity payments guaranteed (not    
available for Qualified Contracts where the difference in ages of the 
    joint annuitants is greater than 10 years; this limitation only applies to
joint annuitants who are not spouses).                                

(7)    Termination provision g) above (under "Terminating the GMIB Max or GMIB  
 Plus III Rider") does not apply, and the following replaces termination
provision a), above:                                                  

 The 30th day following the contract anniversary on or following your 85th
birthday.                                                               

and the following replaces termination provision d), above:             

Death of the owner or joint owner (unless the spouse (age 84 or younger)
is the beneficiary and elects to continue the contract), or death of the
annuitant if a non-natural person owns the contract.                    

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(8)    The GMIB Annuity Table is calculated based on the Annuity 2000 Mortality 
Table with a 7-year age set back with interest of 2.5% per annum.     

(9)    If approved in your state, the GMIB payout rates are enhanced to be at   
least 6% of the income base (calculated on the date the payments are  
   determined) in the event: (i) you begin withdrawals on or after your 60th
   birthday; (ii) your account value is fully withdrawn or decreases to zero
   on or after your 60th birthday and there is an income base remaining; and
(iii) the annuity option you select is the single life annuity with 10
years of annuity payments guaranteed.                                 

(10)    If you elect the GMIB Plus I, you are limited to allocating your        
purchase payments and account value among the fixed account and the   
following investment portfolios:                                      

(a)    the MetLife Defensive Strategy Portfolio                         

(b)    the MetLife Moderate Strategy Portfolio                          

(c)    the MetLife Balanced Strategy Portfolio                          

(d)    the MetLife Growth Strategy Portfolio                            

(e)    the American Funds (Reg. TM) Moderate Allocation Portfolio       

(f)    the American Funds (Reg. TM) Balanced Allocation Portfolio       

(g)    the American Funds (Reg. TM) Growth Allocation Portfolio         

(h)    the Met/Franklin Templeton Founding Strategy Portfolio           

(i)    the SSgA Growth and Income ETF Portfolio                         

(j)    the SSgA Growth ETF Portfolio                                    

(k)    the BlackRock Money Market Portfolio.                            

If you elect the GMIB Plus I, you may not participate in the Dollar Cost        
Averaging (DCA) program. However, you may elect to participate in the Enhanced  
Dollar Cost Averaging (EDCA) program, provided that your destination investment 
portfolios are one or more of the above-listed investment portfolios.           

For contracts issued before July 16, 2007, the enhanced GMIB payout rates       
-----------------------------------------                                       
described in item (9) above will not be applied.                                

For contracts issued before February 26, 2007, we offered a version of the GMIB 
---------------------------------------------                                   
Plus I that is no longer available. Under this prior version, when we calculate 
the Annual Increase Amount: (1) the annual increase rate is 5% per year through 
the contract anniversary on or following the owner's 85th birthday; and (2) the 
amount of total withdrawal adjustments for a contract year will be set equal to 
the dollar amount of total withdrawals in such contract year, provided that     
such total withdrawals do not exceed 5% of the Annual Increase Amount on the    
issue date or on the prior contract anniversary after the first contract year.  
The rider charge for this prior version of the GMIB Plus I is 0.75% of the      
income base (with a maximum charge of 1.50% of the income base applicable upon  
the exercise of the Optional Reset feature). (See Appendix D for examples of    
the GMIB.)                                                                      

For contracts issued before February 27, 2006, you may elect an Optional Reset  
---------------------------------------------                                   
under the GMIB Plus I as described above, except that: 1) you may elect an      
Optional Reset on any contract anniversary only on or after the third contract  
anniversary, and you may then elect an Optional Reset at any subsequent         
contract anniversary only if it has been at least three years since the last    
Optional Reset; and 2) you are required to affirmatively elect an Optional      
Reset in accordance with the procedures described above; the Automatic Annual   
Step-Up feature is not available. By endorsement, we have enhanced your         
contract to change the frequency of the Optional Resets from every third        
contract anniversary to every contract anniversary. You will also be able to    
elect Automatic Annual Step-Ups, as described above.                            

DESCRIPTION OF GMIB II                                                          

The GMIB II rider is no longer available for sale.                              

In states where approved, GMIB II was available only for owners up through age  
75, and you could only elect GMIB II at the time you purchased the contract.    
GMIB II may be exercised after a 10-year waiting period and then only within 30 
days following a contract anniversary, provided that the exercise must occur no 
later than the 30-day period following the contract anniversary on or following 
the owner's 85th birthday.                                                      

GMIB II is otherwise identical to the GMIB Plus II, with the following          
exceptions:                                                                     

(1)    The additional charge for GMIB II is lower (see "Expenses-Guaranteed     
Minimum Income Benefit-Rider Charge").                                

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(2)    The GMIB II income base is calculated as described above, except that,   
for purposes of calculating the Annual Increase Amount:               

a.    the annual increase rate is 5% per year through the contract      
anniversary on or following the owner's 85th birthday and 0%
thereafter, and                                             

 b.    the amount of total withdrawal adjustments for a contract year will
         be set equal to the dollar amount of total withdrawals (including any
     applicable withdrawal charge) in such contract year provided that
         such total withdrawals do not exceed 5% of the Annual Increase Amount
    on the issue date or on the prior contract anniversary after the
first contract year.                                        

(3)    There is no Guaranteed Principal Option.                                 

(4)    There is no Optional Reset feature.                                      

(5)    The fixed annuity options are the single life annuity with 10 years of   
annuity payments guaranteed (if you choose to start the Annuity Option
 after age 79, the year of the Guarantee Period component of the Annuity
    Option is reduced to: 9 years at age 80, 8 years at age 81, 7 years at age
    82, 6 years at age 83, or 5 years at ages 84 and 85) or the joint and last
survivor annuity with 10 years of annuity payments guaranteed (not    
available for Qualified Contracts where the difference in ages of the 
    joint annuitants is greater than 10 years; this limitation only applies to
joint annuitants who are not spouses).                                

(6)    The GMIB Annuity Table is the Annuity 2000 Mortality Table with a 7-year 
    age set back with interest of 2.5% per annum and GMIB payout rates are not
enhanced.                                                             

(7)    The following replaces termination provision a), above:                  

 The 30th day following the contract anniversary on or following your 85th
birthday.                                                               

(8)    The following replaces termination provision d), above:                  

Death of the owner or joint owner (unless the spouse (age 84 or younger)
is the beneficiary and elects to continue the contract), or death of the
annuitant if a non-natural person owns the contract.                    

(9)    The following replaces termination provision e), above:                  

 A change for any reason of the owner or joint owner or the annuitant if a
non-natural person owns the contract.                                   

(10)    Termination provisions f) and g), above, do not apply.                  

(11)    There are no limitations to how you may allocate your purchase payments 
    and account value among the investment portfolios, and you may participate
in the Dollar Cost Averaging (DCA) program.                           

(See Appendix D for examples illustrating the operation of GMIB II.)            

DESCRIPTION OF GMIB I                                                           

The GMIB I rider is not available for sale.                                     

In states where approved, you could only elect the GMIB I rider at the time you 
purchased the contract and if you were age 75 or less. Once elected, the rider  
cannot be terminated except as described below. GMIB I may be exercised after a 
10-year waiting period, up through age 85, within 30 days following a contract  
anniversary.                                                                    

GMIB I is identical to GMIB II, with the following exceptions:                  

(1) The GMIB I income base is calculated as described above for GMIB Plus II,   
except that:                                                                    

a) Withdrawals may be payable as you direct without affecting the       
withdrawal adjustments;                                                 

b) The annual increase rate is 6% per year through the contract         
anniversary immediately prior to the owner's 81st birthday and 0%       
thereafter; and                                                         

c) If total withdrawals in a contract year are 6% or less of the Annual 
Increase Amount on the issue date or previous contract anniversary, if  
  later, the total withdrawal adjustments for that contract year will be set
equal to the dollar amount of total withdrawals in that contract year.  

(2) The following replaces termination provision d), above:                     

   Death of the owner or death of the annuitant if a non-natural person owns
the contract.                                                                   

(3) If you take a full withdrawal of your account value, your contract is       
terminated by us due to its small account value and inactivity (see "Purchase - 
Purchase Payments"), or your contract lapses, the GMIB I rider terminates (even 
if there remains any income base) and no payments will be made under the rider. 

We currently waive the contractual requirement that terminates the GMIB I rider 
in the event of the death of the owner in circumstances where the spouse of the 
owner elects to continue the contract. (See "Death Benefit -                    

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General Death Benefit Provisions.") In such event, the GMIB I rider will        
automatically continue unless the spouse elects to terminate the rider. We are  
permanently waiving this requirement with respect to purchasers of the contract 
offered by this prospectus who have elected GMIB I.                             

GUARANTEED WITHDRAWAL BENEFITS                                                  

We offer optional guaranteed withdrawal benefit riders for an additional        
charge. There are four different versions of the GWB under this contract:       
Lifetime Withdrawal Guarantee II (LWG II), Lifetime Withdrawal Guarantee I (LWG 
I), Enhanced Guaranteed Withdrawal Benefit (Enhanced GWB), and Guaranteed       
Withdrawal Benefit I (GWB I). LWG I is only offered in states where LWG II has  
not yet been approved. GWB I is no longer available for purchase.               

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

Each of the guaranteed withdrawal benefit riders guarantees that the entire     
amount of purchase payments you make will be returned to you through a series   
of withdrawals that you may begin taking immediately or at a later time,        
provided withdrawals in any contract year do not exceed the maximum amount      
allowed. This means that, regardless of negative investment performance, you    
can take specified annual withdrawals until the entire amount of the purchase   
payments you made during the time period specified in your rider has been       
returned to you. Moreover, if you make your first withdrawal on or after the    
date you reach age 59 1/2, the Lifetime Withdrawal Guarantee riders guarantee   
income, without annuitizing the contract, for your life (and the life of your   
spouse, if the Joint Life version of the rider was elected, and your spouse     
elects to continue the contract and is at least age 59 1/2 at continuation),    
even after the entire amount of purchase payments has been returned. (See       
"Description of the Lifetime Withdrawal Guarantee II" below.)                   

If you purchase a guaranteed withdrawal benefit rider, you must elect one       
version at the time you purchase the contract, prior to age 86. You may not     
have this benefit and another living benefit (GMIB or GMAB) or the Enhanced     
Death Benefit rider in effect at the same time. Once elected, these riders may  
not be terminated except as stated below.                                       

FACTS ABOUT GUARANTEED WITHDRAWAL BENEFIT RIDERS                                

MANAGING WITHDRAWALS. The GWB guarantee may be reduced if your annual           
withdrawals are greater than the maximum amount allowed, called the Annual      
Benefit Payment, which is described in more detail below. The GWB does not      
establish or guarantee an account value or minimum return for any investment    
portfolio. THE BENEFIT BASE (AS DESCRIBED BELOW) UNDER THE ENHANCED GWB AND GWB 
I, AND THE REMAINING GUARANTEED WITHDRAWAL AMOUNT (AS DESCRIBED BELOW) UNDER    
THE LIFETIME WITHDRAWAL GUARANTEE, CANNOT BE TAKEN AS A LUMP SUM. (However, if  
you cancel the Lifetime Withdrawal Guarantee riders after a waiting period of   
at least fifteen years, the Guaranteed Principal Adjustment will increase your  
account value to the purchase payments credited within the first 120 days of    
the date that we issue the contract, reduced proportionately for any            
withdrawals. See "Description of the Lifetime Withdrawal Guarantee II-          
Cancellation and Guaranteed Principal Adjustment" below.) Income taxes and      
penalties may apply to your withdrawals, and withdrawal charges may apply to    
withdrawals during the first contract year unless you take the necessary steps  
to elect to take such withdrawals under a Systematic Withdrawal Program.        
Withdrawal charges will also apply to withdrawals of purchase payments that     
exceed the free withdrawal amount. (See "Expenses-Withdrawal Charge.")          

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

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RIDER CHARGES. If a Lifetime Withdrawal Guarantee rider is in effect, we will   
continue to assess the GWB rider charge even in the case where your Remaining   
Guaranteed Withdrawal Amount, as described below, equals zero. However, if the  
Enhanced GWB or GWB I rider is in effect, we will not continue to assess the    
GWB rider charge if your Benefit Base, as described below, equals zero.         

WITHDRAWAL CHARGE. We will apply a withdrawal charge to withdrawals from        
purchase payments of up to 7% of purchase payments taken in the first seven     
years following receipt of the applicable purchase payment. (See "Expenses -    
Withdrawal Charge - Free Withdrawal Amount" and "Access to Your Money -         
Systematic Withdrawal Program.")                                                

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

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

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

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

(See Appendix E for examples of the GWB riders.)                                

DESCRIPTION OF THE LIFETIME WITHDRAWAL GUARANTEE II                             

TOTAL GUARANTEED WITHDRAWAL AMOUNT. While the Lifetime Withdrawal Guarantee II  
rider is in effect, we guarantee that you will receive a minimum amount over    
time. We refer to this minimum amount as the TOTAL GUARANTEED WITHDRAWAL        
AMOUNT. The initial Total Guaranteed Withdrawal Amount is equal to your initial 
purchase payment. We increase the Total Guaranteed Withdrawal Amount (up to a   
maximum of $10,000,000) by each additional purchase payment. If you take a      
withdrawal that does not exceed the Annual Benefit Payment (see "Annual Benefit 
Payment" below), then we will not reduce the Total Guaranteed Withdrawal        
Amount. We refer to this type of withdrawal as a Non-Excess Withdrawal. IF,     
HOWEVER, YOU TAKE A WITHDRAWAL THAT RESULTS IN CUMULATIVE WITHDRAWALS FOR THE   
CURRENT CONTRACT YEAR THAT EXCEED THE ANNUAL BENEFIT PAYMENT, THEN WE WILL      
REDUCE THE TOTAL GUARANTEED WITHDRAWAL AMOUNT IN THE SAME PROPORTION THAT THE   
ENTIRE WITHDRAWAL (INCLUDING ANY APPLICABLE WITHDRAWAL CHARGES) REDUCED THE     
ACCOUNT VALUE. WE REFER TO THIS TYPE OF WITHDRAWAL AS AN EXCESS WITHDRAWAL.     

REMAINING GUARANTEED WITHDRAWAL AMOUNT. The REMAINING GUARANTEED WITHDRAWAL     
AMOUNT is the remaining amount you are guaranteed to receive over time. We      
increase the Remaining Guaranteed Withdrawal Amount (up to a maximum of         
$10,000,000) by additional purchase payments. If you take a Non-Excess          
Withdrawal, we will decrease the Remaining Guaranteed Withdrawal Amount by the  
amount of the Non-Excess Withdrawal (including any applicable withdrawal        
charges). IF, HOWEVER, YOU TAKE AN EXCESS WITHDRAWAL, THEN WE WILL REDUCE THE   
REMAINING GUARANTEED WITHDRAWAL AMOUNT IN THE SAME PROPORTION THAT THE          
WITHDRAWAL (INCLUDING ANY APPLICABLE WITHDRAWAL CHARGES) REDUCES THE ACCOUNT    
VALUE.                                                                          

ANNUAL BENEFIT PAYMENT. The initial ANNUAL BENEFIT PAYMENT is equal to the      
initial Total Guaranteed Withdrawal Amount multiplied by the 5% Withdrawal Rate 
(6% Withdrawal Rate if you make your first withdrawal during a contract year in 
which the owner (or oldest joint owner, or annuitant if the owner is a non-     
natural person) attains or will attain age 76 or older). If the Total           
Guaranteed Withdrawal Amount is later recalculated (for example, because of     
additional purchase payments, the Automatic Annual Step-Up, or Excess           
Withdrawals), the                                                               

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Annual Benefit Payment is reset equal to the new Total Guaranteed Withdrawal    
Amount multiplied by the 5% Withdrawal Rate (6% Withdrawal Rate if you make     
your first withdrawal during a contract year in which the owner (or oldest      
joint owner, or annuitant if the owner is a non-natural person) attains or will 
attain age 76 or older).                                                        

IT IS IMPORTANT TO NOTE:                                                        

o  If you take your first withdrawal before the date you reach age 59 1/2, we   
will continue to pay the Annual Benefit Payment each year until the   
  Remaining Guaranteed Withdrawal Amount is depleted, even if your account
  value declines to zero. This means if your account value is depleted due
   to a Non-Excess Withdrawal or the deduction of the rider charge, and your
  Remaining Guaranteed Withdrawal Amount is greater than zero, we will pay
    you the remaining Annual Benefit Payment, if any, not yet withdrawn during
 the contract year that the account value was depleted, and beginning in
 the following contract year, we will continue paying the Annual Benefit
    Payment to you each year until your Remaining Guaranteed Withdrawal Amount
   is depleted. This guarantees that you will receive your purchase payments
regardless of market performance so long as you do not take Excess    
 Withdrawals; however, you will not be guaranteed income for the rest of
your life.                                                            

o  If you take your first withdrawal on or after the date you reach age 59 1/2, 
   we will continue to pay the Annual Benefit Payment each year for the rest
 of your life (and the life of your spouse, if the Joint Life version of
    the rider was elected, and your spouse elects to continue the contract and
    is at least age 59 1/2 at continuation), even if your Remaining Guaranteed
Withdrawal Amount and/or account value declines to zero. This means if
  your Remaining Guaranteed Withdrawal Amount and/or your account value is
depleted due to a Non-Excess Withdrawal or the deduction of the rider 
  charge, we will pay to you the remaining Annual Benefit Payment, if any,
not yet withdrawn during that contract year that the account value was
  depleted, and beginning in the following contract year, we will continue
 paying the Annual Benefit Payment to you each year for the rest of your
  life (and your spouse's life, if the Joint Life version of the rider was
  elected, and your spouse elects to continue the contract and is at least
   age 59 1/2 at continuation). Therefore, you will be guaranteed income for
life.                                                                 

o  If you take your first withdrawal during a contract year in which the owner  
    (or oldest joint owner, or annuitant if the owner is a non-natural person)
  attains or will attain age 76 or older, your Annual Benefit payment will
 be set equal to a 6% Withdrawal Rate multiplied by the Total Guaranteed
Withdrawal Amount.                                                    

o  IF YOU HAVE ELECTED THE LWG II, YOU SHOULD CAREFULLY CONSIDER WHEN TO BEGIN  
TAKING WITHDRAWALS. IF YOU BEGIN TAKING WITHDRAWALS TOO SOON, YOU MAY 
LIMIT THE VALUE OF THE LWG II. FOR EXAMPLE, IF YOU DELAY TAKING       
   WITHDRAWALS FOR TOO LONG, YOU MAY LIMIT THE NUMBER OF YEARS AVAILABLE FOR
    YOU TO TAKE WITHDRAWALS IN THE FUTURE (DUE TO LIFE EXPECTANCY) AND YOU MAY
BE PAYING FOR A BENEFIT YOU ARE NOT USING.                            

o  You have the option of receiving withdrawals under the LWG II rider or       
    receiving payments under an annuity income 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 value of the LWG II (as described below), 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.                                                        

MANAGING YOUR WITHDRAWALS. It is important that you carefully manage your       
annual withdrawals. To retain the full guarantees of this rider, your annual    
withdrawals cannot exceed the Annual Benefit Payment each contract year. In     
other words, you should not take Excess Withdrawals. We do not include          
withdrawal charges for the purpose of calculating whether you have taken an     
Excess Withdrawal. IF YOU DO TAKE AN EXCESS WITHDRAWAL, WE WILL RECALCULATE THE 
TOTAL GUARANTEED WITHDRAWAL AMOUNT AND REDUCE THE ANNUAL BENEFIT PAYMENT TO THE 
NEW TOTAL GUARANTEED WITHDRAWAL AMOUNT MULTIPLIED BY THE 5% WITHDRAWAL RATE (6% 
WITHDRAWAL RATE IF YOU MAKE YOUR FIRST WITHDRAWAL DURING A CONTRACT YEAR IN     
WHICH THE OWNER (OR OLDEST JOINT OWNER, OR ANNUITANT IF THE OWNER IS A NON-     
NATURAL PERSON) ATTAINS OR WILL ATTAIN AGE 76 OR OLDER).                        

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IN ADDITION, AS NOTED ABOVE, IF YOU TAKE AN EXCESS WITHDRAWAL, WE WILL REDUCE   
THE REMAINING GUARANTEED WITHDRAWAL AMOUNT IN THE SAME PROPORTION THAT THE      
WITHDRAWAL REDUCES THE ACCOUNT VALUE. 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 value to decline to zero.                                               

You can always take Non-Excess Withdrawals. 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 Total Guaranteed Withdrawal     
Amount (or 6% if you make your first withdrawal during a contract year in which 
the owner (or oldest joint owner, or annuitant if the owner is a non-natural    
person) attains or will attain age 76 or older), you cannot withdraw 3% of the  
Total Guaranteed Withdrawal Amount in one year and then withdraw 7% of the      
Total Guaranteed Withdrawal Amount the next year without making an Excess       
Withdrawal in the second year.                                                  

AUTOMATIC ANNUAL STEP-UP. On each contract anniversary prior to the owner's     
91st birthday, an Automatic Annual Step-Up will occur, provided that the        
account value exceeds the Total Guaranteed Withdrawal Amount (after             
compounding) immediately before the step-up (and provided that you have not     
chosen to decline the step-up as described below).                              

The Automatic Annual Step-Up:                                                   

o  resets the Total Guaranteed Withdrawal Amount and the Remaining Guaranteed   
    Withdrawal Amount to the account value on the date of the step-up, up to a
 maximum of $10,000,000, regardless of whether or not you have taken any
withdrawals;                                                          

o  resets the Annual Benefit Payment equal to 5% of the Total Guaranteed        
Withdrawal Amount after the step-up (or 6% if you make your first     
withdrawal during a contract year in which the owner (or oldest joint 
   owner, or annuitant if the owner is a non-natural person) attains or will
attain age 76 or older); and                                          

o  may reset the LWG II rider charge to a rate that does not exceed the lower   
of: (a) the Maximum Optional Step-Up Charge (1.60% for the Single Life
   version or 1.80% for the Joint Life version) or (b) the current rate that
  we charge for the same rider available for new contract purchases at the
time of the Automatic Annual Step-Up.                                 

For contracts issued before February 24, 2009, the maximum charge upon an       
---------------------------------------------                                   
Automatic Annual Step-Up is 1.25% (Single Life version) or 1.50% (Joint Life    
version).                                                                       

In the event that the charge applicable to contract purchases at the time of    
the step-up is higher than your current LWG II rider charge, we will notify you 
in writing a minimum of 30 days in advance of the applicable contract           
anniversary and inform you that you may choose to decline the Automatic Annual  
Step-Up. If you choose to decline the Automatic Annual Step-Up, you must notify 
us in accordance with our Administrative Procedures (currently we require you   
to submit your request in writing to our Annuity Service Center no less than    
seven calendar days prior to the applicable contract anniversary). Once you     
notify us of your decision to decline the Automatic Annual Step-Up, you will no 
longer be eligible for future Automatic Annual Step-Ups until you notify us in  
writing to our Annuity Service Center that you wish to reinstate the step-ups.  
This reinstatement will take effect at the next contract anniversary after we   
receive your request for reinstatement. Please note that the Automatic Annual   
Step-Up may be of limited benefit if you intend to make purchase payments that  
would cause your account value to approach $10,000,000, because the Total       
Guaranteed Withdrawal Amount and Remaining Guaranteed Withdrawal Amount cannot  
exceed $10,000,000.                                                             

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

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if they exceed your Annual Benefit Payment. YOU MUST BE ENROLLED ONLY IN THE    
                                                      ----
AUTOMATED REQUIRED MINIMUM DISTRIBUTION PROGRAM TO QUALIFY FOR THIS INCREASE IN 
THE ANNUAL BENEFIT PAYMENT. YOU MAY NOT BE ENROLLED IN ANY OTHER SYSTEMATIC     
WITHDRAWAL PROGRAM. THE FREQUENCY OF YOUR WITHDRAWALS MUST BE ANNUAL. THE       
AUTOMATED REQUIRED MINIMUM DISTRIBUTION PROGRAM IS BASED ON INFORMATION         
RELATING TO THIS CONTRACT ONLY. To enroll in the Automated Required Minimum     
Distribution Program, please contact our Annuity Service Center.                

INVESTMENT ALLOCATION RESTRICTIONS. If you elect the LWG II rider, there are    
certain investment allocation restrictions. Please see "Purchase - Investment   
Allocation Restrictions for Certain Riders" above. If you elect the LWG II, you 
may not participate in the Dollar Cost Averaging (DCA) program. However, you    
may elect to participate in the Enhanced Dollar Cost Averaging (EDCA) program,  
provided that your destination investment portfolios are selected in accordance 
with the investment allocation restrictions.                                    

JOINT LIFE VERSION. A Joint Life version of the LWG II rider is available for a 
charge of 1.50% (which may increase upon an Automatic Annual Step-Up to a       
maximum of 1.80%). Like the Single Life version of the LWG II rider, the Joint  
Life version must be elected at the time you purchase the contract, and the     
owner (or oldest joint owner) must be age 85 or younger. Under the Joint Life   
version, when the owner of the contract dies (or when the first joint owner     
dies), the LWG II rider will automatically remain in effect only if the spouse  
is the primary beneficiary and elects to continue the contract under the        
spousal continuation provisions. (See "Death Benefit-Spousal Continuation.")    
This means that if you purchase the Joint Life version and subsequently get     
divorced, or your spouse is no longer the primary beneficiary at the time of    
your death, he or she will not be eligible to receive payments under the LWG II 
rider. If the spouse is younger than age 59 1/2 when he or she elects to        
continue the contract, the spouse will receive the Annual Benefit Payment each  
year until the Remaining Guaranteed Withdrawal Amount is depleted. If the       
spouse is age 59 1/2 or older when he or she elects to continue the contract,   
the spouse will receive the Annual Benefit Payment each year for the remainder  
of his or her life. If the first withdrawal was taken before the contract owner 
died (or before the first joint owner died), the Withdrawal Rate upon           
continuation of the contract and LWG II rider by the spouse will be based on    
the age of the contract owner, or oldest joint owner, at the time the first     
withdrawal was taken (see "Annual Benefit Payment" above).                      

In situations in which a trust is both the owner and beneficiary of the         
contract, the Joint Life version of the LWG II would not apply. In addition,    
because of the definition of "spouse" under federal law, a purchaser who has or 
is contemplating a civil union or same-sex marriage should note that such       
same-sex partner or spouse would not be able to receive continued payments      
after the death of the contract owner under the Joint Life version of the LWG   
II.                                                                             

For contracts issued prior to February 24, 2009, the current charge for the     
-----------------------------------------------                                 
Joint Life version is 0.85% (which may increase upon an Automatic Annual        
Step-Up to a maximum of 1.50%).                                                 

CANCELLATION AND GUARANTEED PRINCIPAL ADJUSTMENT. You may elect to cancel the   
LWG II rider on the contract anniversary every five contract years for the      
first 15 contract years and annually thereafter. We must receive your           
cancellation request within 30 days following the applicable contract           
anniversary in accordance with our Administrative Procedures (currently we      
require you to submit your request in writing to our Annuity Service Center).   
The cancellation will take effect upon our receipt of your request. If          
cancelled, the LWG II rider will terminate, we will no longer deduct the LWG II 
rider charge, and the investment allocation restrictions described in "Purchase 
- Investment Allocation Restrictions for Certain Riders" will no longer apply.  
The variable annuity contract, however, will continue.                          

If you cancel the LWG II rider on the fifteenth contract anniversary or any     
contract anniversary thereafter, we will add a Guaranteed Principal Adjustment  
to your account value. The Guaranteed Principal Adjustment is intended to       
restore your initial investment in the contract in the case of poor investment  
performance. The Guaranteed Principal Adjustment is equal to (a) - (b) where:   

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

(b)    is the account value on the date of cancellation.                        

The Guaranteed Principal Adjustment will be added to each applicable investment 
portfolio in the ratio the portion of the account value in such investment      
portfolio bears to the total account value in all investment portfolios. The    
Guaranteed Principal Adjustment will never be less than zero.                   

Only purchase payments made during the first 120 days that you hold the         
contract are taken into consideration in determining the Guaranteed Principal   
Adjustment. Contract owners who anticipate making purchase payments after 120   
days should understand that such payments will not increase the Guaranteed      
Principal Adjustment. Purchase payments made after 120 days are added to your   
account value and impact whether or not a benefit is due. Therefore, the LWG II 
may not be appropriate for you if you intend to make additional purchase        
payments after the 120-day period and are purchasing the LWG II for its         
Guaranteed Principal Adjustment feature.                                        

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

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

(2)    the date all of the account value is applied to an annuity option (a pro 
rata portion of the rider charge will be assessed);                   

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

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

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

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

(7)    termination of the contract to which the rider is attached (a pro rata   
    portion of the rider charge will be assessed, except for a termination due
to death); or                                                         

(8)    the date you assign your contract (a pro rata portion of the rider       
charge will be assessed).                                             

Under our current administrative procedures, we will waive the termination of   
the LWG II rider if you assign the contract under the following limited         
circumstances: if the assignment is solely for your benefit on account of your  
direct transfer of account value under Section 1035 of the Internal Revenue     
Code to fund premiums for a long term care insurance policy or purchase         
payments for an annuity contract issued by an insurance company which is not    
our affiliate and which is licensed to conduct business in any state. All such  
direct transfers are subject to any applicable withdrawal charges.              

Once the rider is terminated, the LWG II rider charge will no longer be         
deducted and the LWG II investment allocation restrictions will no longer       
apply.                                                                          

ADDITIONAL INFORMATION. The LWG II rider may affect the death benefit available 
under your contract. If the owner or joint owner should die while the LWG II    
rider is in effect, an alternate death benefit amount will be calculated under  
the LWG II rider that can be taken in a lump sum. The LWG II death benefit      
amount that may be taken as a lump sum will be equal to total purchase payments 
less any partial withdrawals (deducted on a dollar-for-dollar basis). If this   
death benefit amount is greater than the death benefit provided by your         
contract, and if you made no Excess Withdrawals, then this death benefit amount 
will be paid instead of the death benefit                                       

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provided by the contract. All other provisions of your contract's death benefit 
will apply.                                                                     

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

We reserve the right to accelerate any payment, in a lump sum, that is less     
than $500 or to comply with requirements under the Internal Revenue Code        
(including minimum distribution requirements for IRAs and other contracts       
subject to Section 401(a)(9) of the Internal Revenue Code and Non-Qualified     
Contracts subject to Section 72(s)). If you terminate the LWG II rider because  
(1) you make a total withdrawal of your account value; (2) your account value   
is insufficient to pay the LWG II rider charge; or (3) the contract owner dies, 
except where the beneficiary or joint owner is the spouse of the owner and the  
spouse elects to continue the contract, you may not make additional purchase    
payments under the contract.                                                    

7.25% COMPOUNDING INCOME AMOUNT. For contracts issued prior to July 13, 2009,   
                             -------------------------------------------
on each contract anniversary until the earlier of: (a) the date of the second   
withdrawal from the contract or (b) the tenth contract anniversary, we increase 
the Total Guaranteed Withdrawal Amount and the Remaining Guaranteed Withdrawal  
Amount by an amount equal to 7.25% multiplied by the Total Guaranteed           
Withdrawal Amount and Remaining Guaranteed Withdrawal Amount before such        
increase (up to a maximum of $10,000,000). We may also increase the Total       
Guaranteed Withdrawal Amount and Remaining Guaranteed Withdrawal Amount by the  
Automatic Annual Step-Up, if that would result in a higher Total Guaranteed     
Withdrawal Amount and Remaining Guaranteed Withdrawal Amount.                   

DESCRIPTION OF THE LIFETIME WITHDRAWAL GUARANTEE I                              

In states where the Lifetime Withdrawal Guarantee II is not yet approved, we    
offer (in states where approved) the Lifetime Withdrawal Guarantee I rider. The 
Lifetime Withdrawal Guarantee I rider is identical to the Lifetime Withdrawal   
Guarantee II, with the exceptions described below.                              

TOTAL GUARANTEED WITHDRAWAL AMOUNT. The maximum Total Guaranteed Withdrawal     
Amount for the Lifetime Withdrawal Guarantee I rider is $5,000,000. If you      
elect the Lifetime Withdrawal Guarantee I rider and take an Excess Withdrawal,  
we will reduce the Total Guaranteed Withdrawal Amount by an amount equal to the 
difference between the Total Guaranteed Withdrawal Amount after the withdrawal  
and the account value after the withdrawal (if lower). On the other hand, if    
you elect the LWG II rider and take an Excess Withdrawal, we will reduce the    
Total Guaranteed Withdrawal Amount in the same proportion that the withdrawal   
reduces the account value.                                                      

REMAINING GUARANTEED WITHDRAWAL AMOUNT. The maximum Remaining Guaranteed        
Withdrawal Amount for the Lifetime Withdrawal Guarantee I rider is $5,000,000.  
If you elect the Lifetime Withdrawal Guarantee I rider and take a withdrawal,   
we will reduce the Remaining                                                    

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Guaranteed Withdrawal Amount by the amount of each withdrawal regardless of     
whether it is an Excess or Non-Excess withdrawal. However, if the withdrawal is 
an Excess Withdrawal, then we will additionally reduce the Remaining Guaranteed 
Withdrawal Amount to equal the difference between the Remaining Guaranteed      
Withdrawal Amount after the withdrawal and the account value after the          
withdrawal (if lower). On the other hand, if you elect the LWG II rider and     
take a withdrawal, we will reduce the Remaining Guaranteed Withdrawal Amount by 
the amount of each withdrawal for withdrawals that are Non-Excess Withdrawals   
and for Excess Withdrawals, we will reduce the Remaining Guaranteed Withdrawal  
Amount in the same proportion that the withdrawal reduces the account value.    

COMPOUNDING INCOME AMOUNT. If you elect the Lifetime Withdrawal Guarantee I     
rider, on each contract anniversary until the earlier of: (a) the date of the   
first withdrawal from the contract or (b) the tenth contract anniversary, we    
increase the Total Guaranteed Withdrawal Amount and the Remaining Guaranteed    
Withdrawal Amount by an amount equal to 5% multiplied by the Total Guaranteed   
Withdrawal Amount and Remaining Guaranteed Withdrawal Amount before such        
increase.                                                                       

ANNUAL BENEFIT PAYMENT. Under the Lifetime Withdrawal Guarantee I, the Annual   
Benefit Payment is set equal to the Total Guaranteed Withdrawal Amount          
multiplied by the 5% Withdrawal Rate (there is no 6% Withdrawal Rate for taking 
later withdrawals).                                                             

AUTOMATIC ANNUAL STEP-UP. If an Automatic Annual Step-Up occurs under the       
Lifetime Withdrawal Guarantee I rider, we may increase the Lifetime Withdrawal  
Guarantee I rider charge to the charge applicable to current contract purchases 
of the same rider at the time of the step-up, but to no more than a maximum of  
0.95% (Single Life version) or 1.40% (Joint Life version) of the Total          
Guaranteed Withdrawal Amount. Automatic Annual Step-Ups may occur on each       
contract anniversary prior to the owner's 86th birthday.                        

RIDER CHARGE. The charge for the Lifetime Withdrawal Guarantee I rider is 0.50% 
(Single Life version) or 0.70% (Joint Life version) of the Total Guaranteed     
Withdrawal Amount (see "Expenses - Guaranteed Withdrawal Benefit - Rider        
Charge").                                                                       

INVESTMENT ALLOCATION RESTRICTIONS. If you elect the Lifetime Withdrawal        
Guarantee I rider, you are limited to allocating your purchase payments and     
account value among the fixed account and the following investment portfolios:  

(a)    the MetLife Defensive Strategy Portfolio                       

(b)    the MetLife Moderate Strategy Portfolio                          

(c)    the MetLife Balanced Strategy Portfolio                          

(d)    the MetLife Growth Strategy Portfolio                            

(e)    the American Funds (Reg. TM) Moderate Allocation Portfolio       

(f)    the American Funds (Reg. TM) Balanced Allocation Portfolio       

(g)    the American Funds (Reg. TM) Growth Allocation Portfolio         

(h)    the Met/Franklin Templeton Founding Strategy Portfolio           

(i)    the SSgA Growth and Income ETF Portfolio                         

(j)    the SSgA Growth ETF Portfolio                                    

(k)    the BlackRock Money Market Portfolio.                            

You may also elect to participate in the DCA or EDCA programs, provided that    
your destination investment portfolios are one or more of the above listed      
investment portfolios.                                                          

DESCRIPTION OF THE ENHANCED GUARANTEED WITHDRAWAL BENEFIT                       

BENEFIT BASE. The Guaranteed Withdrawal Amount is the maximum TOTAL amount of   
money that you are guaranteed to receive over time under the Enhanced GWB       
rider. At issue, the Guaranteed Withdrawal Amount and the Benefit Base are both 
equal to your initial purchase payment plus the GWB Bonus Amount. At any        
subsequent point in time, the BENEFIT BASE is the remaining amount of money     
that you are guaranteed to receive through withdrawals under the Enhanced GWB   
rider. Your Benefit Base will change with each purchase payment, or as the      
result of an Optional Reset. Also, each withdrawal will reduce your Benefit     
Base. If negative investment performance reduces your account value below the   
Benefit Base, you are still guaranteed to be able to withdraw the entire amount 
of your Benefit Base.                                                           

The Benefit Base is equal to:                                                   

o  Your initial purchase payment, increased by the 5% GWB Bonus Amount;         

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o  Increased by each subsequent purchase payment, and by the 5% GWB Bonus       
Amount;                                                               

o  Reduced dollar for dollar by Benefits Paid, which are withdrawals and        
    amounts applied to an annuity option (currently, you may not apply amounts
less than your entire account value to an annuity option); and        

o  If a Benefit Paid from your contract is not payable to the contract owner or 
   the contract owner's bank account (or to the annuitant or the annuitant's
bank account, if the owner is a non-natural person), or results in    
cumulative Benefits Paid for the current contract year exceeding the  
    Annual Benefit Payment, and the resulting Benefit Base exceeds the account
value, an additional reduction in the Benefit Base will be made. This 
  additional reduction will be equal to the difference between the Benefit
   Base and your account value after the decrease for the Benefits Paid. The
Benefit Base will also be reset as a result of an Optional Reset as   
described below.                                                      

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

ANNUAL BENEFIT PAYMENT. The ANNUAL BENEFIT PAYMENT is the maximum amount of     
your Benefit Base you may withdraw each contract year without adversely         
impacting the amount guaranteed to be available to you through withdrawals over 
time. The initial Annual Benefit Payment is equal to the initial Benefit Base   
multiplied by the GWB WITHDRAWAL RATE (7%). The Annual Benefit Payment is reset 
after each subsequent purchase payment to the greater of: (1) the Annual        
Benefit Payment before the subsequent purchase payment, and (2) the GWB         
Withdrawal Rate multiplied by the Benefit Base after the subsequent purchase    
payment. The Annual Benefit Payment will also be reset as a result of an        
Optional Reset as described below. You can continue to receive annual           
withdrawals in an amount equal to or less than your Annual Benefit Payment      
until your Benefit Base is depleted.                                            

MANAGING YOUR WITHDRAWALS. It is important that you carefully manage your       
annual withdrawals. To retain the guarantees of this rider, your annual         
withdrawals cannot exceed the Annual Benefit Payment each contract year. We     
refer to withdrawals during a contract year that exceed the Annual Benefit      
Payment as Excess Withdrawals. We do not include withdrawal charges for the     
purpose of calculating whether you have taken an Excess Withdrawal. YOU SHOULD  
NOT TAKE EXCESS WITHDRAWALS. IF YOU DO TAKE AN EXCESS WITHDRAWAL, OR IF A       
WITHDRAWAL IS NOT PAYABLE TO THE CONTRACT OWNER OR THE CONTRACT OWNER'S BANK    
ACCOUNT (OR TO THE ANNUITANT OR THE ANNUITANT'S BANK ACCOUNT, IF THE OWNER IS A 
NON-NATURAL PERSON), THE ANNUAL BENEFIT PAYMENT WILL BE RECALCULATED AND MAY BE 
REDUCED. THIS REDUCTION MAY BE SIGNIFICANT. The new Annual Benefit Payment will 
equal the lower of (1) the Annual Benefit Payment before the withdrawal and (2) 
your account value after the decrease for the withdrawal (including any         
applicable withdrawal charge) multiplied by the GWB Withdrawal Rate. Because    
the GWB rider charge is assessed as a percentage of the Guaranteed Withdrawal   
Amount, any decrease of the Annual Benefit Payment caused by an Excess          
Withdrawal results in an increase in the cost of the rider relative to the      
benefits you will receive.                                                      

(See sections F and G of Appendix E for examples of how withdrawals and         
subsequent purchase payments affect the Annual Benefit Payment.)                

You can always take annual withdrawals less than the Annual Benefit Payment.    
However, if you choose to receive only a part of, or none of, your Annual       
Benefit Payment in any given contract year, your Annual Benefit Payment is not  
cumulative and your Benefit Base and Annual Benefit Payment will not increase.  
For example, if your Annual Benefit Payment is 7% of your Benefit Base and you  
withdraw only 4% one year, you cannot then withdraw 10% the next year without   
exceeding your Annual Benefit Payment.                                          

REQUIRED MINIMUM DISTRIBUTIONS. For IRAs and other contracts subject to Section 

401(a)(9) of the Internal Revenue Code, you may be required to take withdrawals 

to fulfill minimum distribution requirements generally beginning at age 70 1/2. 

These required distributions may be larger than your Annual Benefit Payment. If 

you enroll in the Automated Required Minimum Distribution Program and elect     

annual withdrawals, AFTER THE FIRST CONTRACT YEAR, we will increase your Annual 

Benefit Payment to equal your most recently calculated required minimum         

distribution amount, if such amount is greater than your Annual Benefit         

Payment. Otherwise, any cumulative withdrawals you make to satisfy your         

required minimum distribution amount will be treated as Excess Withdrawals if   

they exceed your Annual Benefit Payment. YOU MUST BE ENROLLED ONLY IN THE       
                                                ----
AUTOMATED REQUIRED MINIMUM DISTRIBUTION PROGRAM TO QUALIFY FOR THIS INCREASE IN 
THE ANNUAL BENEFIT PAYMENT. YOU MAY NOT BE ENROLLED IN ANY OTHER SYSTEMATIC     

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WITHDRAWAL PROGRAM. THE FREQUENCY OF YOUR WITHDRAWALS MUST BE ANNUAL. THE       
AUTOMATED REQUIRED MINIMUM DISTRIBUTION PROGRAM IS BASED ON INFORMATION         
RELATING TO THIS CONTRACT ONLY. To enroll in the Automated Required Minimum     
Distribution Program, please contact our Annuity Service Center.                

GUARANTEED WITHDRAWAL AMOUNT. We assess the GWB rider charge as a percentage of 
the GUARANTEED WITHDRAWAL AMOUNT, which is initially set at an amount equal to  
your initial purchase payment plus the GWB Bonus Amount. The Guaranteed         
Withdrawal Amount may increase with subsequent purchase payments. In this case, 
the Guaranteed Withdrawal Amount will be reset equal to the greater of: (1) the 
Guaranteed Withdrawal Amount before the purchase payment and (2) the Benefit    
Base after the purchase payment. Withdrawals do not decrease the Guaranteed     
Withdrawal Amount. The Guaranteed Withdrawal Amount will also be reset as a     
result of an Optional Reset as described below. If your Guaranteed Withdrawal   
Amount increases, the amount of the Enhanced GWB rider charge we deduct will    
increase because the rider charge is a percentage of your Guaranteed Withdrawal 
Amount.                                                                         

OPTIONAL RESET. At any contract anniversary prior to the 86th birthday of the   
owner (or oldest joint owner or annuitant if the contract is owned by a         
non-natural person), you may elect an Optional Reset. The purpose of an         
Optional Reset is to "lock-in" a higher Benefit Base, which may increase the    
amount of the Annual Benefit Payment and lengthen the period of time over which 
these withdrawals can be taken. We reserve the right to prohibit an Optional    
Reset election if we no longer offer this benefit.                              

An Optional Reset will:                                                         

o  Reset your Guaranteed Withdrawal Amount and Benefit Base equal to the        
account value on the date of the reset;                               

o  Reset your Annual Benefit Payment equal to the account value on the date of  
the reset multiplied by the GWB Withdrawal Rate (7%); and             

o  Reset the Enhanced GWB rider charge equal to the then current level we       
charge for the same rider at the time of the reset, up to the maximum 
charge of 1.00%.                                                      

You may elect either a one-time Optional Reset or Automatic Annual Resets. A    
one-time Optional Reset is permitted only if: (1) your account value is larger  
than the Benefit Base immediately before the reset, and (2) the reset occurs    
prior to the 86th birthday of the owner (or oldest joint owner or annuitant if  
the contract is owned by a non-natural person).                                 

We must receive your request for a one-time Optional Reset in accordance with   
our administrative procedures (currently we require you to submit your request  
in writing to our Annuity Service Center) before the applicable contract        
anniversary. The Optional Reset will take effect on the next contract           
anniversary following our receipt of your written request.                      

If you elect Automatic Annual Resets, a reset will occur automatically on any   
contract anniversary if: (1) your account value is larger than the Guaranteed   
Withdrawal Amount immediately before the reset, and (2) the contract            
anniversary is prior to the 86th birthday of the owner (or oldest joint owner   
or annuitant if the contract is owned by a non-natural person). The same        
conditions will apply to each Automatic Annual Reset.                           

In the event that the charge applicable to contract purchases at the time of    
the Automatic Annual Reset is higher than your current Enhanced GWB rider       
charge, we will notify you in writing a minimum of 30 days in advance of the    
applicable contract anniversary and inform you that you may choose to decline   
the Automatic Annual Reset. You may discontinue Automatic Annual Resets by      
notifying us in writing, at our Annuity Service Center (or by any other method  
acceptable to us), prior to the contract anniversary on which a reset may       
otherwise occur. If you discontinue the Automatic Annual Resets, no reset will  
occur automatically on any subsequent contract anniversary unless you make a    
new election under the terms described above. (If you discontinue Automatic     
Annual Resets, the Enhanced GWB rider (and the rider charge) will continue, and 
you may choose to elect a one-time Optional Reset or reinstate Automatic Annual 
Resets.)                                                                        

It is possible to elect a one-time Optional Reset when the account value is     
larger than the Benefit Base but smaller than the Guaranteed Withdrawal Amount. 
(By contrast, an Automatic Annual Reset will never occur if the the account     
value is smaller than the Guaranteed Withdrawal Amount.) If you elect a         
one-time Optional Reset when the account value before the reset was less than   
the Guaranteed Withdrawal Amount, you would lock in a higher Benefit Base,      
which would increase the total amount you are guaranteed to receive through     
withdrawals under the                                                           

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Enhanced GWB rider, and extend the period of time over which you could make     
those withdrawals. However, you would also decrease the Annual Benefit Payment  
and the Guaranteed Withdrawal Amount. You should consider electing a one-time   
Optional Reset when your account value is smaller than the Guaranteed           
Withdrawal Amount only if you are willing to accept the decrease in the Annual  
Benefit Payment and Guaranteed Withdrawal Amount in return for locking in the   
higher Benefit Base. Otherwise, you should only elect a one-time Optional Reset 
when your account value is larger than the Guaranteed Withdrawal Amount.        

Any benefit of a one-time Optional Reset or Automatic Annual Reset also depends 
on the current Enhanced GWB rider charge. If the current charge in effect at    
the time of the reset is higher than the charge you are paying, it may not be   
beneficial to elect a reset because we will begin applying the higher current   
charge at the time of the reset (even if a one-time Optional Reset results in a 
decrease of your Annual Benefit Payment and/or your Guaranteed Withdrawal       
Amount).                                                                        

For contracts issued prior to July 16, 2007, you may elect an Optional Reset    
-------------------------------------------                                     
beginning with the third contract anniversary (as long as it is prior to the    
owner's 86th birthday) and at any subsequent contract anniversary prior to the  
owner's 86th birthday as long as it has been at least three years since the     
last Optional Reset. Automatic Annual Resets are not available.                 

CANCELLATION OF THE ENHANCED GWB RIDER. You may elect to cancel the Enhanced    
GWB rider in accordance with our Administrative Procedures (currently we        
require you to submit your cancellation request in writing to our Annuity       
Service Center) during the 90-day period following your fifth contract          
anniversary. Such cancellation will take effect upon our receipt of your        
request. If cancelled, the Enhanced GWB rider will terminate and we will no     
longer deduct the Enhanced GWB rider charge. The variable annuity contract,     
however, will continue. If you cancel the Enhanced GWB rider, you may not       
re-elect it.                                                                    

TERMINATION OF THE ENHANCED GWB RIDER. The Enhanced GWB rider will terminate    
upon the earliest of:                                                           

(1)    the date you make a full withdrawal of your account value;               

(2)    the date you apply all of your account value to an annuity option;       

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

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

(5)    a change of the owner or joint owner (or the annuitant if the owner is a 
non-natural person) for any reason;                                   

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

(7)    the termination of your contract.                                        

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

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your beneficiary will receive these payments. No other death benefit will be    
paid.                                                                           

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

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

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

DESCRIPTION OF THE GUARANTEED WITHDRAWAL BENEFIT I                              

The GWB I rider is no longer available for sale.                                

The GWB I rider is the same as the Enhanced GWB rider described above with the  
following differences: (1) there is no favorable treatment of required minimum  
distributions; (2) the GWB I rider charge continues even if your Benefit Base   
equals zero; (3) you may only elect the Optional Reset once every five contract 
years instead of every contract year; (4) the GWB I rider charge is 0.50% and   
the maximum GWB I rider charge upon an Optional Reset is 0.95%; (5) you do not  
have the ability to cancel the rider following your fifth contract anniversary; 
and (6) we include withdrawal charges for purposes of determining whether your  
withdrawals have exceeded your Annual Benefit Payment.                          

By endorsement, the GWB I rider has been enhanced so that items (1) and (2)     
above no longer apply and the interval between Optional Resets in item (3) has  
been decreased to every three contract years. You may now elect an Optional     
Reset under the GWB I starting with the third contract anniversary (as long as  
it is prior to the owner's 86th birthday), and you may elect an Optional Reset  
at any subsequent contract anniversary prior to the owner's 86th birthday, as   
long as it has been at least three years since the last Optional Reset.         

GUARANTEED MINIMUM ACCUMULATION BENEFIT                                         

The Guaranteed Minimum Accumulation Benefit (GMAB) rider is no longer available 
for sale.                                                                       

The GMAB guarantees that your account value will not be less than a minimum     
amount at the end of a specified number of years (the "Rider Maturity Date").   
If your account value is less than the minimum guaranteed amount at the Rider   
Maturity Date, we will apply an additional amount to increase your account      
value so that it is equal to the guaranteed amount.                             

If you have elected the GMAB rider, we require you to allocate your purchase    

payments and all of your account value to one of the MetLife Asset Allocation   
       ---
Program portfolios available in your contract (the MetLife Aggressive Strategy  
and the MetLife Growth Strategy Portfolios are not available for this purpose). 
You may also allocate purchase payments to the EDCA program, provided that your 
destination portfolio is the available MetLife Asset Allocation Program         
portfolio that you have chosen.No transfers are permitted while this rider is   
in                                                                              

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effect. The MetLife Asset Allocation Program portfolio you choose will          
determine the percentage of purchase payments that equals the guaranteed        
amount. The MetLife Asset Allocation Program portfolios available if you chose  
the GMAB rider, the percentage of purchase payments that determines the         
guaranteed amount, and the number of years to the Rider Maturity Date for each, 
are:                                                                            

                                                                [Download Table]

                         Guaranteed                    
                           Amount           Years to   
                       (% of Purchase         Rider    
Portfolio                 Payments)       Maturity Date
-------------------   ----------------   --------------
                                                       
MetLife Defensive                                      
Strategy Portfolio    130%               10 years      
MetLife Moderate                                       
Strategy Portfolio    120%               10 years      
MetLife Balanced                                       
Strategy Portfolio    110%               10 years      

For more information about the MetLife Asset Allocation Program portfolios,     
please see "Investment Options -                                                

Description of the MetLife Asset Allocation Program" and the prospectus for the 
MetLife Asset Allocation Program portfolios.                                    

This benefit is intended to protect you against poor investment performance     
during the accumulation phase of your contract. You may not have this benefit   
and a GMIB or GWB rider or the Enhanced Death Benefit rider in effect at the    
same time.                                                                      

BENEFIT DESCRIPTION. The GMAB rider guarantees that at the Rider Maturity Date, 
your account value will at least be equal to a percentage of the purchase       
payments you made during the first 120 days that you held the contract (the     
"GMAB Eligibility Period"), less reductions for any withdrawals (and related    
withdrawal charges) that you made at any time before the Rider Maturity Date.   
The percentage of purchase payments made that determines the guaranteed amount  
range from 110% to 130%, depending on the MetLife Asset Allocation Program      
portfolio you selected. This guaranteed amount is the "GUARANTEED ACCUMULATION  
AMOUNT." The Guaranteed Accumulation Amount is used only to determine the amount
of any benefit payable under the GMAB feature and the amount of the annual      
charge for the GMAB. There is a maximum Guaranteed Accumulation Amount for your 
contract that is shown on your contract schedule (currently $5 million).        
Purchase payments made after this maximum Guaranteed Accumulation Amount is     
reached will not increase the Guaranteed Accumulation Amount above the maximum. 
However, if you make a withdrawal of account value during the GMAB Eligibility  
Period that reduces the Guaranteed Accumulation Amount below the maximum, then  
purchase payments you make AFTER the withdrawal, and during the GMAB Eligibility
Period, will increase the Guaranteed Accumulation Amount until it reaches the   
maximum. Only purchase payments made during the first 120 days that you hold the
contract are taken into consideration in determining the Guaranteed Accumulation
Amount. If you anticipate making purchase payments after 120 days, you should   
understand that such payments will not increase the Guaranteed Accumulation     
Amount. Purchase payments made after 120 days are added to your account value   
and impact whether or not a benefit is due under the GMAB feature at the Rider  
Maturity Date.                                                                  

On your contract's issue date, the Guaranteed Accumulation Amount is equal to a 
percentage of your initial purchase payment. Subsequent purchase payments made  
during the GMAB Eligibility Period increase the Guaranteed Accumulation Amount  
by the percentage amount of the purchase payment (subject to the limit          
described above) depending on which MetLife Asset Allocation Program portfolio  
you have selected. When you make a withdrawal from the contract, the Guaranteed 
Accumulation Amount is reduced in the same proportion that the amount of the    
withdrawal (including any related withdrawal charge) bears to the total account 
value.                                                                          

EXAMPLE:                                                              

Assume your account value is $100,000 and your Guaranteed Accumulation    
 Amount is $120,000, prior to making a $10,000 withdrawal from the contract.
The withdrawal amount is 10% of the account value. Therefore, after the   
withdrawal, your account value would be $90,000 and your Guaranteed       
Accumulation Amount would be $108,000 (90% of $120,000).                  

The Guaranteed Accumulation Amount does not represent an amount of money        
available for withdrawal and is not used to calculate any benefits under the    
contract prior to the Rider Maturity Date.                                      

At the Rider Maturity Date, after deduction of the annual charge for the GMAB   
rider, we will compare your contract's account value to its Guaranteed          
Accumulation Amount. If the account value is less than the Guaranteed           
Accumulation Amount, we will contribute to your account value the amount needed 
to make it equal the Guaranteed Accumulation Amount. (This added amount is the  
"Guaranteed Accumulation Payment.") The Guaranteed Accumulation Payment is      
allocated entirely to the MetLife                                               

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Asset Allocation Program portfolio you have selected (no portion of the         
Guaranteed Accumulation Payment is allocated to the EDCA account).              

If your account value is greater than or equal to the Guaranteed Accumulation   
Amount at the Rider Maturity Date, then no Guaranteed Accumulation Payment will 
be paid into your account value. The GMAB rider terminates at the Rider         
Maturity Date. We will not deduct the GMAB rider charge after that date, and    
the related investment requirements and restrictions will no longer apply.      

If your account value is reduced to zero for any reason other than a full       
withdrawal of the account value or application of the entire account value to   
an annuity option, but your contract has a positive Guaranteed Accumulation     
Amount remaining, the contract and the GMAB rider will remain in force. No      
charge for the GMAB rider will be deducted or accrue while there is             
insufficient account value to cover the deductions for the charge. At the Rider 
Maturity Date, the Guaranteed Accumulation Payment will be paid into the        
account value.                                                                  

Purchase payments made after the 120 day GMAB Eligibility Period may have a     

significant impact on whether or not a Guaranteed Accumulation Payment is due   

at the Rider Maturity Date. Even if purchase payments made during the 120 day   

GMAB Eligibility Period lose significant value, if the account value, which     

includes all purchase payments, is equal to or greater than the Guaranteed      
---                                                           
Accumulation Amount, which is a percentage of your purchase payments made       
during the 120 day period, then no Guaranteed Accumulation Payment is made.     
Therefore, the GMAB rider may not be appropriate for you if you intend to make  
additional purchase payments after the GMAB Eligibility Period.                 

EXAMPLE:                                                              

Assume that you make one $10,000 purchase payment during the 120 day GMAB 
Eligibility Period and you select the MetLife Balanced Strategy Porfolio. 
Therefore, the Guaranteed Accumulation Amount is $11,000 (110% of your    
$10,000 purchase payment). Assume that at the Rider Maturity Date, your   
account value is $0. The Guaranteed Accumulation Payment is $11,000       
($11,000 - $0 = $11,000).                                                 

In contrast, assume that you make one $10,000 purchase payment during the 
120 day GMAB Eligibility Period and you select the MetLife Balanced       
Strategy Porfolio. Therefore, the Guaranteed Accumulation Amount is       
$11,000. Also assume that on the day before the Rider Maturity Date your  
 account value is $0. Assume that you decide to make one purchase payment on
the day before the Rider Maturity Date of $11,000. At the Rider Maturity  
Date, assume there has not been any positive or negative investment       
experience for the one day between your purchase payment and the Rider    
Maturity Date. Consequently, your account value is $11,000. We would not  
pay a Guaranteed Accumulation Payment because the account value of $11,000
is equal to the Guaranteed Accumulation Amount of $11,000 ($11,000 -      
$11,000 = $0).                                                            

RIDER TERMINATION. The GMAB rider will terminate at the earliest of: (1) the    
Rider Maturity Date; (2) the date you surrender the contract; (3) the date you  
cancel the GMAB rider, as described below; (4) the date you apply all of your   
account value to an annuity option; and (5) the date of death of the owner or   
joint owner (or annuitant if the owner is a non-natural person), unless the     
beneficiary is the spouse of the owner and elects to continue the contract      
under the spousal continuation provisions of the contract.                      

Once the rider is terminated, the GMAB rider charge will no longer be deducted  
and the related investment requirements and limitations will no longer apply.   
If the rider is terminated before the Rider Maturity Date, the Guaranteed       
Accumulation Payment will not be paid.                                          

CANCELLATION. You have a one-time right to cancel this optional benefit to take 
effect on your fifth contract anniversary. We must receive your request in      
writing within the 90-day period after your fifth contract anniversary. Such    
cancellation will take effect upon our receipt of your request. Once you have   
cancelled the GMAB rider, you will no longer be eligible to receive the         
Guaranteed Accumulation Payment or be bound by the investment requirements and  
restrictions, and we will no longer deduct the charge for this rider.           

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

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SUMMARY OF LIVING BENEFIT RIDERS                                                

The chart below highlights certain differences among the living benefit riders. 
Please refer to the detailed descriptions above for specific information about  
the features, costs and restrictions associated with the riders.*               

                                                        [Enlarge/Download Table]

                                          INCOME                                           
                                        GUARANTEES                                         
                                        GMIB MAX,                                          
                                     GMIB PLUS III &                                       
                                       GMIB PLUS I                                         
                                                                                           
LIFETIME INCOME           Yes (after waiting period)                                       
BENEFIT RIDER INVOLVES    Yes                                                              
ANNUITIZATION                                                                              
WITHDRAWALS PERMITTED/1/  Prior to annuitization                                           
WAITING PERIOD            Must wait 10 years to                                            
                          annuitize under rider; Optional                                  
                          Step-Up/2/ restarts waiting                                      
                          period; withdrawals available                                    
                          immediately                                                      
RESET/STEP-UP             Yes                                                              
MAY INVEST IN VARIABLE    Prior to annuitization                                           
INVESTMENT OPTIONS                                                                         
INVESTMENT ALLOCATION     Yes                                                              
REQUIREMENTS                                                                               
ABILITY TO CANCEL RIDER   Yes, after 10 years, can take                                    
                          lump-sum option under the                                        
                          GPO provisions                                                   
DEATH BENEFIT             Prior to annuitization, contract                                 
                          death benefit available/3/                                       
CURRENT RIDER CHARGES/4/  GMIB Max & GMIB Plus III:                                        
                          1.00%;                                                           
                          GMIB Plus I: 0.80%                                               


                                                       WITHDRAWAL                          
                                                       GUARANTEES                          
                                 LIFETIME WITHDRAWAL                                       
                                  GUARANTEE I & II                     ENHANCED GWB        
                                                                                           
LIFETIME INCOME            Yes (if first withdrawal on or                 No               
                                 after age 59 1/2)                                         
BENEFIT RIDER INVOLVES                   No                               No               
ANNUITIZATION                                                                              
WITHDRAWALS PERMITTED/1/                Yes                               Yes              
WAITING PERIOD             None (age 59 1/2 for lifetime                 None              
                                    withdrawals)                                           
RESET/STEP-UP                           Yes                               Yes              
MAY INVEST IN VARIABLE                  Yes                               Yes              
INVESTMENT OPTIONS                                                                         
INVESTMENT ALLOCATION                   Yes                               No               
REQUIREMENTS                                                                               
ABILITY TO CANCEL RIDER       Yes, at 5th, 10th & 15th       Yes, within 90 days after 5th 
                           contract anniversary, annually        contract anniversary      
                          thereafter; or, lump-sum option                                  
                           under the GPA provisions after                                  
                                      15 years                                             
DEATH BENEFIT                Contract death benefit or      Ability to receive Benefit Base
                           alternate rider death benefit   in series of payments instead of
                           available; ability to receive        contract death benefit     
                                Remaining Guaranteed                                       
                            Withdrawal Amount in series                                    
                          of payments instead of contract                                  
                                   death benefit                                           
CURRENT RIDER CHARGES/4/     LWG II: 1.25% (Single Life                   0.55%            
                           version) or 1.50% (Joint Life                                   
                           version); LWG I: 0.50% (Single                                  
                           Life version) or 0.70% (Joint                                   
                                   Life version)                                           

--------                                                                        

* For descriptions of the GMIB I, GMIB II, GMIB Plus II, and GWB I riders,      
which are no longer available for sale, please see "Living Benefits" above.     

(1) Withdrawals will reduce the living and death benefits and account value.    

(2) For GMIB Plus I, the Optional Step-Up is called the "Optional Reset."       

(3) If the contract is annuitized, annuity payments may be guaranteed for a     
certain period of time (depending on the annuity option selected) and therefore 
payable upon death of the annuitant. See "Annuity Payments (The Income Phase)"  
and the rider descriptions for more information.                                

(4) Certain rider charges may increase upon an Optional Step-Up or Optional     
Reset. Generally, rider charges are assessed as a percentage of the guaranteed  
benefit rather than account value. For example, the charge for GMIB Plus III is 
1.00% of the income base. See the Expenses section and the individual rider     
descriptions for more information.                                              

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8. PERFORMANCE                                                                  

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

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

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

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

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

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

9. DEATH BENEFIT                                                                

UPON YOUR DEATH                                                                 

If you die during the accumulation phase, we will pay a death benefit to your   
beneficiary(ies). The Principal Protection is the standard death benefit for    
your contract. At the time you purchase the contract, depending on availability 
in your state, you can select the optional Annual Step-Up Death Benefit rider,  
the Compounded-Plus Death Benefit rider, the EDB Max rider, or the Enhanced     
Death Benefit II rider. You can also select the Additional Death Benefit -      
Earnings Preservation Benefit, unless you select the EDB Max or Enhanced Death  
Benefit II riders. If you are 80 years old or older at the effective date of    
your contract, you are not eligible to select the Annual Step-Up Death Benefit  
rider, the Compounded-Plus Death Benefit rider or the Earnings Preservation     
Benefit. If you are 76 years old or older at the effective date of your         
contract, you are not eligible to select the EDB Max rider or the Enhanced      
Death Benefit II rider.                                                         

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

The death benefit is determined as of the end of the business day on which we   
receive both due proof of death and an election for the payment method. Where   
there are multiple beneficiaries, the death benefit will only be determined as  
of the time the first beneficiary submits the necessary documentation in good   
order. If the death benefit payable is an amount that exceeds the account value 
on the day it is determined, we will apply to the contract an amount equal to   
the difference between the death benefit payable and the account value, in      
accordance with the current allocation of the account value. This death benefit 
amount remains in the investment portfolios until each of                       

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the other beneficiaries submits the necessary documentation in good order to    
claim his/her death benefit. (See "General Death Benefit Provisions" below.)    
Any death benefit amounts held in the investment portfolios on behalf of the    
remaining beneficiaries are subject to investment risk. There is no additional  
death benefit guarantee.                                                        

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

If a non-natural person owns the contract, the annuitant will be deemed to be   
the owner in determining the death benefit. If there are joint owners, the age  
of the oldest owner will be used to determine the death benefit amount.         

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

STANDARD DEATH BENEFIT - PRINCIPAL PROTECTION                                   

The death benefit will be the greater of:                                       

(1)    the account value; or                                                    

(2)    total purchase payments, reduced proportionately by the percentage       
reduction in account value attributable to each partial withdrawal.   

If the owner is a natural person and the owner is changed to someone other than 
a spouse, the death benefit amount will be determined as defined above;         
however, subsection (2) will be changed to provide as follows: "the account     
value as of the effective date of the change of owner, increased by purchase    
payments received after the date of the change of owner, reduced                
proportionately by the percentage reduction in account value attributable to    
each partial withdrawal made after such date."                                  

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

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

OPTIONAL DEATH BENEFIT - ANNUAL STEP-UP                                         

If you select the Annual Step-Up death benefit rider, the death benefit will be 
the greatest of:                                                                

(1)    the account value; or                                                    

(2)    total purchase payments, reduced proportionately by the percentage       
reduction in account value attributable to each partial withdrawal; or

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

On the date we issue your contract, the highest anniversary value is equal to   
your initial purchase payment. Thereafter, the highest anniversary value (as    
recalculated) will be increased by subsequent purchase payments and reduced     
proportionately by the percentage reduction in account value attributable to    
each subsequent partial withdrawal. On each contract anniversary prior to your  
81st birthday, the highest anniversary value will be recalculated and set equal 
to the greater of the highest anniversary value before the recalculation or the 
account value on the date of the recalculation.                                 

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

o  Subsection (2) is changed to provide: "The account value as of the effective 
    date of the change of owner, increased by purchase payments received after
    the date of change of owner, and reduced proportionately by the percentage
 reduction in account value attributable to each partial withdrawal made
after such date"; and                                                 

o  for subsection (3), the highest anniversary value will be recalculated to    
   equal your account value as of the effective date of the change of owner.

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

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

OPTIONAL DEATH BENEFITS - EDB MAX AND ENHANCED DEATH BENEFIT II                 

In states where approved, you may select the EDB Max rider (subject to          
investment allocation restrictions) if you are age 75 or younger at the         
effective date of your contract and you either (a) have not elected any living  
benefit rider or (b) have elected the GMIB Max rider. In states where approved, 
you may select the Enhanced Death Benefit II (EDB II) rider (subject to         
investment allocation restrictions) if you are age 75 or younger at the         
effective date of your contract and you either (a) have not elected any living  
benefit rider or (b) have elected the GMIB Plus III rider. If you select the    
EDB Max or EDB II rider, you may not select the Additional Death Benefit -      
Earnings Preservation Benefit. The Enhanced Death Benefit (EDB) riders are      
referred to in your contract and rider as the "Guaranteed Minimum Death         
Benefit" or GMDB.                                                               

ELECTING EDB MAX OR EDB II. You should consult with your registered             
representative when considering whether to elect the EDB Max or EDB II rider.   
Important factors to consider when comparing the two riders include:            

o  ANNUAL INCREASE RATE. As noted above, we calculate a death benefit base      
under the both the EDB Max and EDB II riders that helps determine the 
amount of the death benefit your beneficiaries will receive under the 
 rider. One of the factors used in calculating the death benefit base is
   called the "annual increase rate." The annual increase rate under the EDB
Max is 6% and the annual increase rate under the EDB II is 5%. (See   
  "Effect of Required Minimum Distributions" below for circumstances under
which these percentages may be higher.)                               

o  ANNUAL WITHDRAWAL AMOUNT. Each contract year, you can withdraw up to a       
    certain percentage of your Annual Increase Amount, and the Annual Increase
Amount will be reduced by the dollar amount withdrawn (not            
    proportionately). This percentage is 6% under the EDB Max and 5% under the
EDB II. (See "Effect of Required Minimum Distributions" below for     
circumstances under which these percentages may be higher.)           

o  INVESTMENT ALLOCATION RESTRICTIONS. The EDB II rider allows you to allocate  
  your purchase payments among a significantly wider variety of investment
  options than the EDB Max rider, including investment portfolios that may
offer the potential for higher returns than the investment portfolios 
    available with the EDB Max rider. See "Investment Allocation Restrictions"
below for more information.                                           

 o If you elect the EDB Max, you must allocate all of your purchase payments
      and account value among five investment portfolios, and you will not
     be able to allocate purchase payments or account value to the fixed
account or to a money market portfolio.                       

o If you elect the EDB II, you must allocate all of your purchase payments
       and account value according to the investment allocation restrictions
       described above in "Purchase - Investment Allocation Restrictions for
        Certain Riders." If you elect the EDB II, you will be able to allocate
   purchase payments and account value to the fixed account and/or a
money market portfolio.                                       

o  SUBSEQUENT PURCHASE PAYMENTS UNDER EDB MAX. If the EDB Max rider is no       
   longer available to new customers, or if we make changes in the future to
    the terms of the EDB Max rider offered to new customers, we may choose not
 to permit you to make subsequent purchase payments. You should consider
 how significant the ability to make subsequent purchase payments is for
your long-term investment plans.                                      

EFFECT OF REQUIRED MINIMUM DISTRIBUTIONS. The following only applies to IRAs    
and other contracts subject to Section 401(a)(9) of the Internal Revenue Code.  
As described below under "Annual Increase Rate" and "Withdrawal Adjustments,"   
there may be times when the amount of your required minimum distribution (which 
is based on factors including your age and your account value) in relation to   
the Annual Increase Amount causes the annual increase rate and                  
dollar-for-dollar withdrawal amount to be higher than 5% under the EDB II or    
higher than 6% under the EDB Max.                                               

Both riders are described in detail below.                                      

DESCRIPTION OF EDB MAX AND EDB II. If you select the EDB Max or Enhanced Death  
Benefit II rider, the amount of the death benefit will be the greater of:       

(1)    the account value; or                                                    

(2)    the death benefit base.                                                  

The DEATH BENEFIT BASE provides protection against adverse investment           
experience. It guarantees that the death benefit will not be less than the      
greater of: (1) the highest account value on any anniversary (adjusted for      
withdrawals), or (2)                                                            

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the amount of your initial investment (adjusted for withdrawals), accumulated   
at 6% per year under EDB Max or 5% per year under EDB II.                       

The death benefit base is the greater of (a) or (b) below:                      

 (a)    Highest Anniversary Value: On the date we issue your contract, the
        Highest Anniversary Value is equal to your initial purchase payment.
  Thereafter, the Highest Anniversary Value will be increased by
   subsequent purchase payments and reduced proportionately by the
      percentage reduction in account value attributable to each partial
       withdrawal. The percentage reduction in account value is the dollar
         amount of the withdrawal (including any applicable withdrawal charge)
       divided by the account value immediately preceding such withdrawal.
         On each contract anniversary prior to your 81st birthday, the Highest
      Anniversary Value will be recalculated to equal the greater of the
     Highest Anniversary Value before the recalculation or the account
value on the date of the recalculation.                     

(b)    Annual Increase Amount: On the date we issue your contract, the  
         Annual Increase Amount is equal to your initial purchase payment. All
        purchase payments received within 120 days of the date we issue your
        contract will be treated as part of the initial purchase payment for
        this purpose. Thereafter, the Annual Increase Amount is equal to (i)
less (ii), where:                                           

(i)    is purchase payments accumulated at the annual increase rate (as 
defined below); and                                         

(ii)    is withdrawal adjustments (as defined below) accumulated at the 
annual increase rate.                                       

ANNUAL INCREASE RATE. Through the contract anniversary immediately prior to the 
owner's 91st birthday, the annual increase rate is the greatest of:             

(a)    6% for EDB Max or 5% for EDB II;                                         

(b)    the total withdrawals during the contract year under the Automated       
Required Minimum Distribution Program and/or the Systematic Withdrawal
Program (up to a maximum of 6% of the Annual Increase Amount at the   
 beginning of the contract year for EDB Max or 5% of the Annual Increase
  Amount at the beginning of the contract year for EDB II), divided by the
Annual Increase Amount at the beginning of the contract year; or      

(c)    the required minimum distribution amount for the previous calendar year  
 or for this calendar year (whichever is greater), divided by the Annual
Increase Amount at the beginning of the contract year.                

On the first contract anniversary, "at the beginning of the contract year"      
means on the issue date; on a later contract anniversary, "at the beginning of  
the contract year" means on the prior contract anniversary.                     

Items (b) and (c) above only apply to IRAs and other contracts subject to       
Section 401(a)(9) of the Internal Revenue Code.                                 

If total withdrawals during a contract year exceed the greater of: (i)          
withdrawals under the Automated Required Minimum Distribution Program, plus     
Systematic Withdrawal Program withdrawals up to a maximum of 6% of the Annual   
Increase Amount at the beginning of the contract year for EDB Max or 5% of the  
Annual Increase Amount at the beginning of the contract year for EDB II, or     
(ii) the greater of the required minimum distribution amount for the previous   
calendar year or the current calendar year, items (b) and (c) above are not     
used to calculate the annual increase rate and the annual increase rate will be 
6% for EDB Max or 5% for EDB II.                                                

After the contract anniversary immediately prior to the owner's 91st birthday,  
the annual increase rate is 0%.                                                 

WITHDRAWAL ADJUSTMENTS. The withdrawal adjustment for any partial withdrawal in 
a contract year is equal to the Annual Increase Amount immediately prior to the 
withdrawal multiplied by the percentage reduction in account value attributable 
to that partial withdrawal (including any applicable withdrawal charge).        
However, (1) if the partial withdrawal occurs before the contract anniversary   
immediately prior to your 91st birthday; (2) if all partial withdrawals in a    
contract year are payable to the owner (or the annuitant if the owner is a      
non-natural person) or other payees that we agree to; and (3) if total partial  
withdrawals in a contract year are not greater than the annual increase rate    
multiplied by the Annual Increase Amount at the beginning of the contract year, 
the total withdrawal adjustments for that contract year will be set equal to    
the dollar amount of total partial withdrawals in that contract year and will   
be treated as a single withdrawal at the end of that contract year.             

The Highest Anniversary Value does not change after the contract anniversary    
immediately preceding the owner's 81st birthday, except that it is increased    
for each                                                                        

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subsequent purchase payment and reduced proportionately by the percentage       
reduction in account value attributable to each subsequent withdrawal           
(including any applicable withdrawal charge). The Annual Increase Amount does   
not change after the contract anniversary immediately preceding the owner's     
91st birthday, except that it is increased for each subsequent purchase payment 
and reduced by the withdrawal adjustments described above.                      

(See Appendix F for examples of the Enhanced Death Benefit.)                    

OPTIONAL STEP-UP. On each contract anniversary on or after the first            
anniversary following the effective date of the rider, you may elect an         
Optional Step-Up provided that: (1) the account value exceeds the Annual        
Increase Amount immediately before the Optional Step-Up; and (2) the owner (or  
oldest joint owner or annuitant if the contract is owned by a non-natural       
person) is not older than age 80 on the date of the Optional Step-Up.           

We must receive your request to exercise the Optional Step-Up in writing, at    
our Annuity Service Center, or any other method acceptable to us. We must       
receive your request prior to the contract anniversary for an Optional Step-Up  
to occur on that contract anniversary.                                          

The Optional Step-Up will:                                                      

(a)    Reset the Annual Increase Amount to the account value on the     
     contract anniversary following the receipt of an Optional Step-Up
election; and                                               

(b)    Reset the rider charge to a rate we shall determine that does not
     exceed the maximum Optional Step-Up charge (1.50%), provided that
       this rate will not exceed the rate currently applicable to the same
 rider available for new contract purchases at the time of the
step-up.                                                    

On the date of the Optional Step-Up, the account value on that day will be      
treated as a single purchase payment received on the date of the step-up for    
purposes of determining the Annual Increase Amount after the step-up. All       
purchase payments and withdrawal adjustments previously used to calculate the   
Annual Increase Amount will be set equal to zero on the date of the Optional    
Step-Up.                                                                        

When you elect the Optional Step-Up, provided the above requirements are met,   
you may elect either:                                                           

1)    a one time Optional Step-Up at any contract anniversary; or               

2)    Optional Step-Ups to occur under the Automatic Annual Step-Up (on any     
    contract anniversary while this election is in effect, the Annual Increase
Amount will reset to the account value automatically).                

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

If you have also elected the GMIB Max rider (with EDB Max) or GMIB Plus III or  
GMIB Plus II rider (with EDB II or EDB I) and you elect Optional Step-Ups to    
occur under the Automatic Annual Step-Up, the Automatic Annual Step-Up will     
remain in effect through the seventh contract anniversary following the date    
you make the election. You may make a new election if you want Automatic Annual 
Step-Ups to continue after the seventh contract anniversary.                    

You may discontinue Automatic Annual Step-Ups at any time by notifying us in    
writing, at our Annuity Service Center (or by any other method acceptable to    
us), at least 30 days prior to the contract anniversary following the date you  
make this election. If you discontinue Automatic Annual Step-Ups, the rider     
(and the rider charge) will continue, and you may choose to elect a one time    
Optional Step-Up or reinstate Automatic Annual Step-Ups as described above.     

INVESTMENT ALLOCATION RESTRICTIONS. As noted above, the EDB II rider allows you 
to allocate your purchase payments among a significantly wider variety of       
investment options than the EDB Max rider, including investment portfolios that 
offer the potential for higher returns than the investment portfolios available 
with the EDB Max rider. For a detailed description of the EDB Max and EDB       

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II investment allocation restrictions, see "Purchase - Investment Allocation    
Restrictions for Certain Riders."                                               

If you elect the EDB Max or EDB II, you may not participate in the Dollar Cost  
Averaging (DCA) program. However, you may elect to participate in the Enhanced  
Dollar Cost Averaging (EDCA) program, provided that your destination investment 
portfolios are selected in accordance with the investment allocation            
restrictions.                                                                   

Investment Allocation Restrictions - Comparing EDB Max and EDB II. If you elect 
-----------------------------------------------------------------               
the EDB Max rider, you must allocate 100% of your purchase payments and account 
value among five investment portfolios. (By contrast, many more investment      
portfolios are available if you elect the EDB II rider; see "Purchase -         
Investment Allocation Restrictions for Certain Riders" for a complete list.)    
Four of these investment portfolios - the AllianceBernstein Global Dynamic      
Allocation Portfolio, AQR Global Risk Balanced Portfolio, BlackRock Global      
Tactical Strategies Portfolio, and MetLife Balanced Plus Portfolio - are        
designed specifically for use with the EDB Max rider, and have investment       
strategies intended in part to reduce the risk of investment losses that could  
require us to use our own assets to make payments in connection with the        
guarantees under the rider. For example, certain of the investment portfolios   
are managed in a way that is intended to minimize volatility of returns and     
hedge against the effects of interest rate changes. Other investment options    
that are available if the EDB Max rider is not selected may offer the potential 
for higher returns. Before you select the EDB Max rider, you and your financial 
representative should carefully consider whether the five investment options    
available with EDB Max meet your investment objectives and risk tolerance.      

Restrictions on Investment Allocations if the EDB Max Rider Terminates. If the  
----------------------------------------------------------------------          
EDB Max rider terminates (see "Terminating the EDB Max and EDB II Riders"), you 
may no longer allocate subsequent purchase payments or transfer account value   
to or among the five EDB Max investment portfolios. You may leave account value 
in the five investment portfolios, but once you transfer account value to an    
investment portfolio that is not one of the five investment portfolios, you     
will not be permitted to transfer it back to any of those five investment       
portfolios. If the EDB Max rider terminates, you will be permitted to allocate  
subsequent purchase payments or transfer account value to any of the other      
available investment portfolios, but not to the fixed account.                  

POTENTIAL RESTRICTIONS ON SUBSEQUENT PURCHASE PAYMENTS FOR EDB MAX. In the      
future, we may choose not to permit owners of existing contracts with the EDB   
Max rider to make subsequent purchase payments if: (a) the EDB Max rider is no  
longer available to new customers, or (b) we make certain changes to the terms  
of the EDB Max rider offered to new customers (for example, if we change the    
EDB Max rider charge; see your contract schedule for a list of the other        
changes). We will notify owners of contracts with the EDB Max rider in advance  
if we impose restrictions on subsequent purchase payments. If we impose         
restrictions on subsequent purchase payments, contract owners will still be     
permitted to transfer account value among the five EDB Max investment           
portfolios.                                                                     

TERMINATING THE EDB MAX AND EDB II RIDERS. Each rider will terminate upon the   
earliest of:                                                                    

a)    The date you make a total withdrawal of your account value (a pro rata    
portion of the rider charge will be assessed);                        

b)    The date there are insufficient funds to deduct the rider charge from     
your account value;                                                   

c)    The date you annuitize your contract (a pro rata portion of the rider     
charge will be assessed);                                             

d)    A change of the owner or joint owner (or annuitant if the owner is a      
non-natural person), subject to our administrative procedures;        

e)    The date you assign your contract;                                        

f)    The date the death benefit amount is determined (excluding the            
  determination of the death benefit amount under the spousal continuation
option); or                                                           

g)    Termination of the contract to which this rider is attached.              

Under our current administrative procedures, we will waive the termination of   
the EDB Max or EDB II if you assign the contract under the following limited    
circumstances: if the assignment is solely for your benefit on account of your  
direct transfer of account value under Section 1035 of the Internal Revenue     
Code to fund premiums for a long term care insurance policy or purchase         
payments for an annuity contract issued by an insurance company which is not    
our affiliate and which is licensed to conduct business in any state. All such  
direct transfers are subject to any applicable withdrawal charges.              

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(See Appendix F for examples of the Enhanced Death Benefit.)                    

USE OF AUTOMATED REQUIRED MINIMUM DISTRIBUTION PROGRAM AND SYSTEMATIC           
WITHDRAWAL PROGRAM WITH EDB MAX OR EDB II                                       

For IRAs and other contracts subject to Section 401(a)(9) of the Internal       
Revenue Code, you may be required to take withdrawals to fulfill minimum        
distribution requirements generally beginning at age 70 1/2.                    

Used with the EDB Max or EDB II rider, our Automated Required Minimum           
Distribution Program can help you fulfill minimum distribution requirements     
with respect to your contract without reducing the death benefit base on a      
proportionate basis. (Reducing the death benefit base on a proportionate basis  
could have the effect of reducing or eliminating the value of the death benefit 
provided by the EDB Max or EDB II rider.) The Automated Required Minimum        
Distribution Program calculates minimum distribution requirements with respect  
to your contract and makes payments to you on a monthly, quarterly, semi-annual 
or annual basis.                                                                

Alternatively, you may choose to enroll in both the Automated Required Minimum  
Distribution Program and the Systematic Withdrawal Program (see "Access to Your 
Money - Systematic Withdrawal Program"). In order to avoid taking withdrawals   
that could reduce the death benefit base on a proportionate basis, withdrawals  
under the Systematic Withdrawal Program should not exceed 6% of the Annual      
Increase Amount at the beginning of the contract year with the EDB Max, or 5%   
of the Annual Increase Amount at the beginning of the contract year with the    
EDB II. Any amounts above 6% of the Annual Increase Amount (for EDB Max) or 5%  
of the Annual Increase Amount (for EDB II) that need to be withdrawn to fulfill 
minimum distribution requirements can be paid out at the end of the calendar    
year by the Automated Required Minimum Distribution Program. For example, if    
you elect EDB II, enroll in the Systematic Withdrawal Program, and elect to     
receive monthly payments totaling 5% of the Annual Increase Amount, you should  
also enroll in the Automated Required Minimum Distribution Program and elect to 
receive your Automated Required Minimum Distribution Program payment on an      
annual basis, after the Systematic Withdrawal Program monthly payment in        
December.                                                                       

If you enroll in either the Automated Required Minimum Distribution Program or  
both the Automated Required Minimum Distribution Program and the Systematic     
Withdrawal Program, you should not make additional withdrawals outside the      
programs. Additional withdrawals may result in the death benefit base being     
reduced on a proportionate basis, and have the effect of reducing or            
eliminating the value of the death benefit provided by the EDB Max or EDB II    
rider.                                                                          

To enroll in the Automated Required Minimum Distribution Program and/or the     
Systematic Withdrawal Program, please contact our Annuity Service Center.       

ENHANCED DEATH BENEFIT AND DECEDENT CONTRACTS                                   

If you are purchasing this contract with a nontaxable transfer of the death     
benefit proceeds of any annuity contract or IRA (or any other tax-qualified     
arrangement) of which you were the beneficiary and you are "stretching" the     
distributions under the IRS required distribution rules, you may not purchase   
an Enhanced Death Benefit rider.                                                

DESCRIPTION OF ENHANCED DEATH BENEFIT I                                         

In states where approved, the Enhanced Death Benefit I was available with       
contracts issued before July 19, 2010.                                          

EDB I is identical to EDB II, with the following exceptions:                    

(1)    The EDB I death benefit base and withdrawal adjustments are calculated   
   as described above for EDB II, except that the annual increase rate is 5%
per year through the contract anniversary prior to the owner's 91st   
    birthday and 0% thereafter. Items (b) and (c) under "Annual Increase Rate"
 above (regarding required minimum distributions, the Automated Required
 Minimum Distribution Program, and the Systematic Withdrawal Program) do
  not apply to the calculation of the death benefit base or the withdrawal
adjustments under the EDB I rider.                                    

(2)    The rider charges for the EDB I rider are different. See "Expenses -     
Death Benefit Rider Charges."                                         

(3)    The Additional Death Benefit - Earnings Preservation Benefit could be    
elected with the EDB I rider.                                         

For contracts issued based on applications and necessary information received   
-----------------------------------------------------------------------------   
in good order at our Annuity Service Center on or before May 1, 2009, we        
--------------------------------------------------------------------            
offered an earlier version of the Enhanced Death Benefit I rider. The earlier   
version is the same as the Enhanced Death Benefit I rider described above       
except that: (a) the annual increase rate for the Annual Increase Amount and    
for withdrawal adjustments is 6%; (b) different investment allocation           

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restrictions apply (see "Purchase -  Investment Allocation Restrictions for     
Certain Riders"); and (c) different rider charges apply (see "Expenses -  Death 
Benefit Rider Charges").                                                        

OPTIONAL DEATH BENEFIT - COMPOUNDED-PLUS                                        

In states where the Compounded-Plus death benefit rider has been approved and   
the Enhanced Death Benefit II has not been approved, you may select the         
Compounded-Plus death benefit rider if you are age 79 or younger at the         
effective date of your contract. If you select the Compounded-Plus death        
benefit rider, the death benefit will be the greater of:                        

(1)    the account value; or                                                    

(2)    the greater of (a) or (b) below:                                         

 (a)    Highest Anniversary Value: On the date we issue your contract, the
        highest anniversary value is equal to your initial purchase payment.
       Thereafter, the highest anniversary value (as recalculated) will be
         increased by subsequent purchase payments and reduced proportionately
     by the percentage reduction in account value attributable to each
        subsequent partial withdrawal. On each contract anniversary prior to
your 81st birthday, the highest anniversary value will be   
        recalculated and set equal to the greater of the highest anniversary
      value before the recalculation or the account value on the date of
the recalculation.                                          

(b)    Annual Increase Amount: On the date we issue your contract, the  
     annual increase amount is equal to your initial purchase payment.
     Thereafter, the annual increase amount is equal to (i) less (ii),
where:                                                      

      (i)    is purchase payments accumulated at the annual increase rate.
          The annual increase rate is 5% per year through the contract
             anniversary immediately prior to your 81st birthday, and 0% per
year thereafter; and                              

      (ii)    is withdrawal adjustments accumulated at the annual increase
        rate. A withdrawal adjustment is equal to the value of the
      annual increase amount immediately prior to a withdrawal
     multiplied by the percentage reduction in account value
attributable to that partial withdrawal.          

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

(a)    for the highest anniversary value, the highest anniversary value 
        will be recalculated to equal your account value as of the effective
date of the owner change; and                               

 (b)    for the annual increase amount, the current annual increase amount
         will be reset to equal your account value as of the effective date of
   the owner change. For purposes of the calculation of the annual
       increase amount thereafter, the account value on the effective date
       of the owner change will be treated as the initial purchase payment
         and purchase payments received and partial withdrawals taken prior to
the change of owner will not be taken into account.         

In the event that a beneficiary who is the spouse of the owner elects to        
continue the contract in his or her name after the owner dies, the death        
benefit amount is equal to the greater of (1) or (2).                           

(See Appendix F for examples of the Compounded-Plus death benefit rider.)       

ADDITIONAL DEATH BENEFIT - EARNINGS PRESERVATION BENEFIT                        

The Additional Death Benefit - Earnings Preservation Benefit pays an additional 
death benefit that is intended to help pay part of the income taxes due at the  
time of death of the owner or joint owner. The benefit is only available up     
through age 79 (on the contract issue date). In certain situations, this        
benefit may not be available for qualified plans (check with your registered    
representative for details). If you select the Earnings Preservation Benefit,   
you may not select the EDB Max or Enhanced Death Benefit II rider. (The         
Earnings Preservation Benefit could be elected with the Enhanced Death Benefit  
II rider in contracts issued before May 1, 2011, and with the Enhanced Death    
Benefit I rider.)                                                               

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

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

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

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

(a) is the death benefit on the contract anniversary immediately prior to your  
81st birthday, increased by subsequent purchase payments and reduced
     proportionately by the percentage reduction in account value attributable
to each subsequent partial withdrawal; and                          

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

Benefit Percentage

                                                                [Download Table]
                                     
   Issue Age               Percentage
----------------------               
   Ages 69 or younger    40%         
   Ages 70-79            25%         
   Ages 80 and above      0%         

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

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

GENERAL DEATH BENEFIT PROVISIONS                                                

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

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

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

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

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

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under the contract, but certain contract provisions or programs may not be      
available.                                                                      

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

If the owner or a joint owner, who is not the annuitant, dies during the income 
phase, any remaining payments under the annuity option elected will continue at 
least as rapidly as under the method of distribution in effect at the time of   
the owner's death. Upon the death of the owner or a joint owner during the      
income phase, the beneficiary becomes the owner.                                

SPOUSAL CONTINUATION                                                            

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

For purposes of the death benefit on the continued contract, the death benefit  
is calculated in the same manner as it was prior to continuation except that    
all values used to calculate the death benefit, which may include a highest     
anniversary value and/or an annual increase amount (depending on whether you    
elected an optional death benefit), are reset on the date the spouse continues  
the contract. If the contract includes both the GMIB Max and EDB Max riders,    
the Annual Increase Amount for the GMIB Max rider is also reset on the date the 
spouse continues the contract. If the contract includes both the GMIB Plus III  
or GMIB Plus II and Enhanced Death Benefit II or Enhanced Death Benefit I       
riders, the Annual Increase Amount for the GMIB Plus III or GMIB Plus II rider  
is also reset on the date the spouse continues the contract.                    

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

Under the Internal Revenue Code (the "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, 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 adviser.    
Accordingly, a purchaser who has or is contemplating a civil union or same-sex  
marriage should note that such same-sex partner or spouse would not be able to  
receive continued payments after the death of the contract owner under the      
Joint Life version of the Lifetime Withdrawal Guarantee (see "Living Benefits - 
Guaranteed Withdrawal Benefits").                                               

DEATH OF THE ANNUITANT                                                          

If the annuitant, not an owner or joint owner, dies during the accumulation     
phase, you automatically become the annuitant. You can select a new annuitant   
if you do not want to be the annuitant (subject to our then current             
underwriting standards). However, if the owner is a non- natural person (for    
example, a trust), then the death of the primary annuitant will be treated as   
the death of the owner, and a new annuitant may not be named.                   

Upon the death of the annuitant after annuity payments begin, the death         
benefit, if any, will be as provided for in the annuity option selected. Death  
benefits will be paid at least as rapidly as under the method of distribution   
in effect at the annuitant's death.                                             

CONTROLLED PAYOUT                                                               

You may elect to have the death benefit proceeds paid to your beneficiary in    
the form of annuity payments for life or over a period of time that does not    
exceed your beneficiary's life expectancy. This election must be in writing in  
a form acceptable to us. You may revoke the election only in writing and only   
in a form acceptable to us.                                                     

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Upon your death, the beneficiary cannot revoke or modify your election. The     
Controlled Payout is only available to Non-Qualified Contracts.                 

10. FEDERAL INCOME TAX STATUS                                                   

The following discussion is general in nature and is not intended as tax        
advice. Each person concerned should consult a competent tax adviser. No        
attempt is made to consider any applicable state tax or other tax laws, or to   
address any state and local estate, inheritance and other tax consequences of   
ownership or receipt of distributions under a contract.                         

When you invest in an annuity contract, you usually do not pay taxes on your    
investment gains until you withdraw the money, generally for retirement         
purposes. If you invest in an annuity contract as part of an individual         
retirement plan, pension plan or employer-sponsored retirement program, your    
contract is called a QUALIFIED CONTRACT.The tax rules applicable to Qualified   
Contracts vary according to the type of retirement plan and the terms and       
conditions of the plan. You should note that for any Qualified Contract, the    
tax deferred accrual feature is provided by the tax qualified retirement plan,  
and as a result there should be reasons other than tax deferral for acquiring   
the contract within a qualified plan.                                           

If your annuity is independent of any formal retirement or pension plan, it is  
termed a NON-QUALIFIED CONTRACT.                                                

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

TAXATION OF NON-QUALIFIED CONTRACTS                                             

NON-NATURAL PERSON. If a non-natural person (e.g., a trust) owns a              
Non-Qualified Contract, the taxpayer generally must include in income any       
increase in the excess of the account value over the investment in the contract 
(generally, the premiums or other consideration paid for the contract) during   
the taxable year. There are some exceptions to this rule and a prospective      
owner that is not a natural person should discuss these with a tax adviser.     

The following discussion generally applies to Non-Qualified Contracts owned by  
natural persons.                                                                

WITHDRAWALS. When a withdrawal from a Non-Qualified Contract occurs, the amount 
received will be treated as ordinary income subject to tax up to an amount      
equal to the excess (if any) of the account value immediately before the        
distribution over the owner's investment in the contract (generally, the        
premiums or other consideration paid for the contract, reduced by any amount    
previously distributed from the contract that was not subject to tax) at that   
time. In the case of a surrender under a Non-Qualified Contract, the amount     
received generally will be taxable only to the extent it exceeds the owner's    
investment in the contract.                                                     

It is conceivable that certain benefits or the charges for certain benefits     
such as any of the guaranteed death benefits (including, but not limited to,    
the Earnings Preservation Benefit) and certain living benefits (E.G., the GWB   
riders or GMAB rider), 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 and benefits as an intrinsic part of the annuity contract   
and do not tax report these as taxable income until distributions are actually  
made. However, it is possible that this may change in the future if we          
determine that this is required by the IRS. If so, the charges or benefits      
could also be subject to a 10% penalty tax if the taxpayer is under age 59 1/2. 

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

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

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ADDITIONAL PENALTY TAX ON CERTAIN WITHDRAWALS. In the case of a distribution    
(or a deemed distribution) from a Non-Qualified Contract, there may be imposed  
a federal tax penalty equal to 10% of the amount treated as income. In general, 
however, there is no penalty on distributions:                                  

o  made on or after the taxpayer reaches age 59 1/2;                            

o  made on or after the death of an owner;                                      

o  attributable to the taxpayer's becoming disabled;                            

o  made as part of a series of substantially equal periodic payment (at least   
  annually) for the life (or life expectancy) of the taxpayer or the joint
lives (or joint life expectancies) of the taxpayer and his or her     
designated beneficiary; or                                            

o  under certain immediate income annuities providing for substantially equal   
payments made at least annually.                                      

Other exceptions may be applicable under certain circumstances and special      
rules may be applicable in connection with the exceptions enumerated above.     
Also, additional exceptions apply to distributions from a Qualified Contract.   
You should consult a tax adviser with regard to exceptions from the penalty     
tax.                                                                            

ANNUITY PAYMENTS. Although tax consequences may vary depending on the payout    
option elected under an annuity contract, a portion of each annuity payment is  
generally not taxed and the remainder is taxed as ordinary income. The          
non-taxable portion of any annuity payment is generally determined in a manner  
that is designed to allow you to recover your investment in the contract        
ratably on a tax-free basis over the expected stream of annuity payments, as    
determined when annuity payments start. Once your investment in the contract    
has been fully recovered, however, the full amount of each annuity payment is   
subject to tax as ordinary income. In general, the amount of each payment under 
a variable annuity payment option that can be excluded from federal income tax  
is the remaining after-tax cost in the amount annuitized at the time such       
payments commence, divided by the number of expected payments, subject to       
certain adjustments. No deduction is permitted for any excess of such           
excludable amount for a year over the annuity payments actually received in     
that year. However, you may elect to increase the excludable amount             
attributable to future years by a ratable portion of such excess. Consult your  
tax adviser as to how to make such election and also as to how to treat the     
loss due to any unrecovered investment in the contract when the income stream   
is terminated. Once the investment in the contract has been recovered through   
the use of the excludable amount, the entire amount of all future payments are  
includable in taxable income.                                                   

The IRS has not furnished explicit guidance as to how the excludable amount is  
to be determined each year under variable income annuities that permit          
transfers between the fixed account and variable investment portfolios, as well 
as transfers between investment portfolios after the annuity starting date.     
Consult your tax adviser.                                                       

Starting in 2011, if your contract allows and you elect to apply less than the  
entire account value of your contract to a pay-out option provided under the    
contract ("partial annuitization"), an exclusion ratio will apply to the        
annuity payments you receive, provided the payout period is for 10 years or     
more, or for the life of one or more individuals. Your after-tax purchase       
payments in the contract will be allocated pro rata between the annuitized      
portion of the contract and the portion that remains deferred. Consult your own 
independent tax adviser before you partially annuitize your contract.           

TAXATION OF DEATH BENEFIT PROCEEDS. Amounts may be distributed from a           
Non-Qualified Contract because of your death or the death of the annuitant.     
Generally, such amounts are includible in the income of the recipient as        
follows: (i) if distributed in a lump sum, they are taxed in the same manner as 
a surrender of the contract, or (ii) if distributed under a payout option, they 
are taxed in the same way as annuity payments.                                  

See the Statement of Additional Information as well as "Death Benefit - General 
Death Benefit Provisions" in this prospectus for a general discussion on the    
federal income tax rules applicable to how death benefits must be distributed.  

TRANSFERS, ASSIGNMENTS OR EXCHANGES OF A CONTRACT. Where otherwise permitted    
under the terms of the contract, a transfer or assignment of ownership of a     
Non-Qualified Contract, the designation or change of an annuitant, the          
selection of certain maturity dates, or the exchange of a contract may result   
in certain adverse tax consequences to you that are not discussed herein. An    
owner contemplating any such transfer, assignment, exchange or event should     
consult a tax adviser as to the tax consequences.                               

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WITHHOLDING. Annuity distributions are generally subject to withholding for the 
recipient's federal income tax liability. Recipients can generally elect,       
however, not to have tax withheld from distributions.                           

MULTIPLE CONTRACTS. The tax law provides that deferred annuities issued after   
October 21, 1988 by the same insurance company or an affiliate in the same      
calendar year to the same owner are combined for tax purposes. As a result, a   
greater portion of your withdrawals may be considered taxable income than you   
would otherwise expect. Please consult your own tax adviser.                    

OWNERSHIP OF THE INVESTMENTS. In certain circumstances, owners of variable      
annuity contracts have been considered to be the owners of the assets of the    
underlying Separate Account for Federal income tax purposes due to their        
ability to exercise investment control over those assets. When this is the      
case, the contract owners have been currently taxed on income and gains         
attributable to the variable account assets. There is little guidance in this   
area, and some features of the contract, such as the number of funds available  
and the flexibility of the contract owner to allocate premium payments and      
transfer amounts among the funding options, have not been addressed in public   
rulings. While we believe that the contract does not give the contract owner    
investment control over Separate Account assets, we reserve the right to modify 
the contract as necessary to prevent a contract owner from being treated as the 
owner of the Separate Account assets supporting the contract.                   

FURTHER INFORMATION. We believe that the contracts will qualify as annuity      
contracts for federal income tax purposes and the above discussion is based on  
that assumption. Further details can be found in the Statement of Additional    
Information under the heading "Tax Status of the Contracts."                    

TAXATION OF QUALIFIED CONTRACTS                                                 

The tax rules applicable to Qualified Contracts vary according to the type of   
retirement plan and the terms and conditions of the plan. Your rights under a   
Qualified Contract may be subject to the terms of the retirement plan itself,   
regardless of the terms of the Qualified Contract. Adverse tax consequences may 
result if you do not ensure that contributions, distributions and other         
transactions with respect to the contract comply with the law.                  

WITHDRAWALS. In the case of a withdrawal under a Qualified Contract, a ratable  
portion of the amount received is taxable, generally based on the ratio of the  
"investment in the contract" to the individual's total account balance or       
accrued benefit under the retirement plan. The "investment in the contract"     
generally equals the amount of any non-deductible purchase payments paid by or  
on behalf of any individual. In many cases, the "investment in the contract"    
under a Qualified Contract can be zero.                                         

INDIVIDUAL RETIREMENT ACCOUNTS (IRAS). IRAs, as defined in Section 408 of the   
Internal Revenue Code (Code), permit individuals to make annual contributions   
of up to the lesser of the applicable dollar amount for the year (for 2011,     
$5,000 plus, for an owner age 50 or older, $1,000) or the amount of             
compensation includible in the individual's gross income for the year. The      
contributions may be deductible in whole or in part, depending on the           
individual's income. Distributions from certain retirement plans may be "rolled 
over" into an IRA on a tax-deferred basis without regard to these limits.       
Amounts in the IRA (other than non-deductible contributions) are taxed when     
distributed from the IRA. A 10% penalty tax generally applies to distributions  
made before age 59 1/2, unless an exception applies. The Internal Revenue       
Service (IRS) has approved the forms of the IRA and SIMPLE IRA endorsements,    
when used with the contract and certain of its riders (including enhanced death 
benefits), but your contract may differ from the approved version because of    
differences in riders or state insurance law requirements. Traditional          
IRAs/SEPs, SIMPLE IRAs and Roth IRAs may not invest in life insurance. The      
contract may provide death benefits that could exceed the greater of premiums   
paid or the account balance. The final required minimum distribution income tax 
regulations generally treat such benefits as part of the annuity contract and   
not as life insurance and require the value of such benefits to be included in  
the participant's interest that is subject to the required minimum distribution 
rules.                                                                          

SIMPLE IRA. A SIMPLE IRA permits certain small employers to establish SIMPLE    
plans as provided by Section 408(p) of the Code, under which employees may      
elect to defer to a SIMPLE IRA a percentage of compensation up to $11,500 for   
2011. The sponsoring employer is generally required to make matching or non-    
elective contributions on behalf of employees. Distributions from SIMPLE IRA's  
are subject to the same restrictions that apply to IRA distributions and are    
taxed as ordinary income. Subject to certain exceptions, premature              
distributions prior to age 59 1/2 are subject to a 10% penalty tax, which is    
increased to 25% if the distribution occurs                                     

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within the first two years after the commencement of the employee's             
participation in the plan.                                                      

ROTH IRA. A Roth IRA, as described in Code section 408A, permits certain        
eligible individuals to make non-deductible contributions to a Roth IRA in cash 
or as a rollover or transfer from another Roth IRA or other IRA. A rollover     
from or conversion of an IRA to a Roth IRA is generally subject to tax, and     
other special rules apply. The owner may wish to consult a tax adviser before   
combining any converted amounts with any other Roth IRA contributions,          
including any other conversion amounts from other tax years. Distributions from 
a Roth IRA generally are not taxed, except that, once aggregate distributions   
exceed contributions to the Roth IRA, income tax and a 10% penalty tax may      
apply to distributions made (1) before age 59 1/2 (subject to certain           
exceptions) or (2) during the five taxable years starting with the year in      
which the first contribution is made to any Roth IRA. A 10% penalty tax may     
apply to amounts attributable to a conversion from an IRA if they are           
distributed during the five taxable years beginning with the year in which the  
conversion was made.                                                            

PENSION PLANS. Corporate pension and profit-sharing plans under Section 401(a)  
of the Code allow corporate employers to establish various types of retirement  
plans for employees, and self-employed individuals to establish qualified plans 
for themselves and their employees. Adverse tax consequences to the retirement  
plan, the participant or both may result if the contract is transferred to any  
individual as a means to provide benefit payments, unless the plan complies     
with all the requirements applicable to such benefits prior to transferring the 
contract. Subject to certain exceptions, premature distributions prior to age   
59 1/2 are subject to a 10% penalty tax. The contract includes optional death   
benefits that in some cases may exceed the greater of the premium payments or   
the account value.                                                              

TAX SHELTERED ANNUITIES. Tax Sheltered Annuities (TSA) that qualify under       
section 403(b) of the Code allow employees of certain Section 501(c)(3)         
organizations and public schools to exclude from their gross income the premium 
payments made, within certain limits, on a contract that will provide an        
annuity for the employee's retirement. These premium payments may be subject to 
FICA (social security) tax. Distributions of (1) salary reduction contributions 
made in years beginning after December 31, 1988; (2) earnings on those          
contributions; and (3) earnings on amounts held as of the close of the last     
year beginning before January 1, 1989, are not allowed prior to age 59 1/2,     
severance from employment, death or disability. Salary reduction contributions  
may also be distributed upon hardship, but would generally be subject to        
penalties.                                                                      

Income tax regulations issued in July 2007 require certain fundamental changes  
to these arrangements, including: (a) a requirement that there be a written     
plan document in addition to the annuity contract (or section 403(b)(7)         
custodial account), (b) significant restrictions on the ability of participants 
to direct proceeds between 403(b) annuity contracts and (c) new restrictions on 
withdrawals of amounts attributable to contributions other than elective        
deferrals.                                                                      

The regulations are now in effect, including a prohibition on use of new life   
insurance under section 403(b) arrangements and rules affecting payroll taxes   
on certain types of contributions. Please note that, in light of the            
regulations, this contract is not available for purchase via a "90-24"          
transfer. If your contract was issued previously in a 90-24 transfer completed  
on or before September 24, 2007, we urge you to consult with your tax adviser   
prior to making additional purchase payments.                                   

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. This new withdrawal restriction is   
applicable for tax sheltered annuity contracts issued on or after January 1,    
2009.                                                                           

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.                                                                       

SECTION 457(B) PLANS. An eligible 457(b) plan, while not actually a qualified   
plan as that term is normally used, provides for certain eligible deferred      
compensation plans with respect to service for state governments, local         
governments, political subdivisions, agencies,                                  

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instrumentalities and certain affiliates of such entities, and tax exempt       
organizations. Under such plans a participant may specify the form of           
investment in which his or her participation will be made. Under a              
non-governmental plan, which must be a tax-exempt entity under section 501(c)   
of the Code, all such investments, however, are owned by and are subject to,    
the claims of the general creditors of the sponsoring employer. In general, all 
amounts received under a non-governmental section 457(b) plan are taxable and   
are subject to federal income tax withholding as wages.                         

SEPARATE ACCOUNT CHARGES FOR DEATH BENEFITS. For contracts purchased under      
section 401(a) plans or 403(b) plans, certain death benefits could conceivably  
be characterized as an incidental benefit, the amount of which is limited in    
any pension or profit-sharing plan. Because the death benefits, in certain      
cases, may exceed this limitation employers using a contract in connection with 
such plans should consult their tax adviser. Additionally, it is conceivable    
that the explicit charges for, or the amount of the mortality and expense       
charges allocable to, such benefits may be considered taxable distributions.    

OTHER TAX ISSUES. Qualified Contracts (including contracts under section 457(b) 
plans) have required minimum distribution (RMD) rules that govern the timing    
and amount of distributions. You should refer to your retirement plan, adoption 
agreement, or consult a tax adviser for more information about these            
distribution rules. Failure to meet such rules generally results in the         
imposition of a 50% excise tax on the amount that should have been, but was     
not, distributed.                                                               

Final income tax regulations regarding minimum distribution requirements were   
released in June 2004. These regulations affect both deferred and income        
annuities. Under these new rules, effective with respect to minimum             
distributions required for the 2006 distribution year, in general, the value of 
all benefits under a deferred annuity (including death benefits in excess of    
account value, as well as all living benefits) must be added to the account     
value in computing the amount required to be distributed over the applicable    
period. (See "Living Benefits.")                                                

The final required minimum distribution regulations permit income payments to   
increase due to "actuarial gain" which includes the investment performance of   
the underlying assets, as well as changes in actuarial factors and assumptions  
under certain conditions. Additionally, withdrawals may also be permitted under 
certain conditions. The new rules are not entirely clear, and you should        
consult with your own tax adviser to determine whether your variable income     
annuity will satisfy these rules for your own situation.                        

For RMDs following the death of the annuitant of a Qualified Contract, the      
five-year rule is applied without regard to calendar year 2009. For instance,   
for a contract owner who died in 2007, the five-year period would end in 2013   
instead of 2012. The RMD rules are complex, so consult with your tax adviser    
because the application of these rules to your particular circumstances may     
have been impacted by the 2009 RMD waiver.                                      

Distributions from Qualified Contracts generally are subject to withholding for 
the owner's federal income tax liability. The withholding rate varies according 
to the type of distribution and the owner's tax status. The owner will be       
provided the opportunity to elect not to have tax withheld from distributions.  

"Eligible rollover distributions" from section 401(a), 403(a), 403(b) and       
governmental section 457(b) plans are subject to a mandatory federal income tax 
withholding of 20%. An eligible rollover distribution is any distribution to an 
employee (or employee's spouse or former spouse as beneficiary or alternate     
payee) from such a plan, except certain distributions such as distributions     
required by the Code, distributions in a specified annuity form or hardship     
distributions. The 20% withholding does not apply, however, if the employee     
chooses a "direct rollover" from the plan to a tax-qualified plan, IRA or tax   
sheltered annuity or to a governmental 457(b) plan that agrees to separately    
account for rollover contributions. Effective March 28, 2005, certain mandatory 
distributions made to participants in an amount in excess of $1,000 must be     
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 of his or her own choosing. General transitional rules apply as to when    
plans have to be amended. Special effective date rules apply for governmental   
plans and church plans.                                                         

COMMUTATION FEATURES UNDER ANNUITY PAYMENT OPTIONS. Please be advised that the  
tax consequences resulting from the election of an annuity payment option       
containing a commutation feature are uncertain and the IRS may determine that   
the taxable amount of annuity payments and withdrawals received for any year    
could be greater than or less than the taxable amount reported by us. The       

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exercise of the commutation feature also may result in adverse tax consequences 
including:                                                                      

o  The imposition of a 10% penalty tax on the taxable amount of the commuted    
value, if the taxpayer has not attained age 59 1/2 at the time the    
 withdrawal is made. This 10% penalty tax is in addition to the ordinary
income tax on the taxable amount of the commuted value.               

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

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

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

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

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

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

PUERTO RICO TAX CONSIDERATIONS                                                  

The Puerto Rico Internal Revenue Code of 2011 (the "2011 PR Code") taxes        
distributions from non-qualified annuity contracts differently than in the U.S. 
Distributions that are not in the form of an annuity (including partial         
surrenders and period certain payments) are treated under the 2011 PR Code      
first as a return of investment. Therefore, a substantial portion of the        
amounts distributed generally will be excluded from gross income for Puerto     
Rico tax purposes until the cumulative amount paid exceeds your tax basis. The  
amount of income on annuity distributions (payable over your lifetime) is also  
calculated differently under the 2011 PR Code. Since the U.S. source income     
generated by a Puerto Rico bona fide resident is subject to U.S. income tax and 
the 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.                   

TAX BENEFITS RELATED TO THE ASSETS OF THE SEPARATE ACCOUNT                      

We may be entitled to certain tax benefits related to the assets of the         
Separate Account. These tax benefits, which may include foreign tax credits and 
corporate dividends received deductions, are not passed back to the Separate    
Account or to contract owners because we are the owner of the assets from which 
the tax benefits are derived.                                                   

POSSIBLE TAX LAW CHANGES                                                        

Although the likelihood of legislative changes is uncertain, there is always    
the possibility that the tax treatment of the contract could change by          
legislation or otherwise. We will                                               

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notify you of any changes to your contract. Consult a tax adviser with respect  
to legislative developments and their effect on the contract.                   

We have the right to modify the contract in response to legislative changes     
that could otherwise diminish the favorable tax treatment that annuity contract 
owners currently receive. We make no guarantee regarding the tax status of the  
contract and do not intend the above discussion as tax advice.                  

11. OTHER INFORMATION                                                           

METLIFE INVESTORS USA                                                           

MetLife Investors USA Insurance Company (MetLife Investors USA) is a stock life 
insurance company founded on September 13, 1960, and organized under the laws   
of the State of Delaware. Its principal executive offices are located at 5 Park 
Plaza, Suite 1900, Irvine, CA 92614. MetLife Investors USA is authorized to     
transact the business of life insurance, including annuities, and is currently  
licensed to do business in all states (except New York), the District of        
Columbia and Puerto Rico. Our name was changed to Security First Life Insurance 
Company on September 27, 1979. We changed our name to MetLife Investors USA     
Insurance Company on January 8, 2001. On December 31, 2002, MetLife Investors   
USA became an indirect subsidiary of MetLife, Inc., a listed company on the New 
York Stock Exchange. On October 11, 2006, MetLife Investors USA became a        
wholly-owned subsidiary of MetLife Insurance Company of Connecticut. MetLife,   
Inc., through its subsidiaries and affiliates, is a leading provider of         
insurance and other financial services to individual and institutional          
customers.                                                                      

THE SEPARATE ACCOUNT                                                            

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

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

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

We are obligated to pay all money we owe under the contracts - such as death    
benefits and income payments -                                                  

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

DISTRIBUTOR                                                                     

We have entered into a distribution agreement with our affiliate, MetLife       
Investors Distribution Company (Distributor), 5 Park Plaza, Suite 1900, Irvine, 
CA 92614, for the distribution of the contracts. Distributor is a member of the 
Financial Industry Regulatory Authority (FINRA). FINRA provides background      
information about broker-dealers and their registered representatives through   
FINRA BrokerCheck. You may contact the FINRA BrokerCheck Hotline at             
1-800-289-9999, or log on to www.finra.org. An investor brochure that includes  
information describing FINRA BrokerCheck is available through the Hotline or    
on-line.                                                                        

Distributor, and in certain cases, we, have entered into selling agreements     
with other affiliated and unaffiliated selling firms for the sale of the        
contracts. We pay                                                               

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

All of the investment portfolios make payments to Distributor under their       
distribution plans in consideration of services provided and expenses incurred  
by Distributor in distributing shares of the investment portfolios. (See "Fee   
Tables and Examples - Investment Portfolio Expenses" and the fund               
prospectuses.) These payments range from 0.15% to 0.55% of Separate Account     
assets invested in the particular investment portfolio.                         

SELLING FIRMS                                                                   

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

COMPENSATION PAID TO SELLING FIRMS. We and Distributor pay compensation to all  
affiliated and unaffiliated selling firms in the form of commissions and may    
also provide certain types of non-cash compensation. The maximum commission     
payable for contract sales and additional purchase payments by selling firms is 
8% of purchase payments. Some selling firms may elect to receive a lower        
commission when a purchase payment is made, along with annual trail commissions 
up to 1.20% of account value (less purchase payments received within the        
previous 12 months) for so long as the contract remains in effect or as agreed  
in the selling agreement. We also pay commissions when a contract owner elects  
to begin receiving regular income payments (referred to as "annuity payments"). 
(See "Annuity Payments - The Income Phase.") Distributor may also provide       
non-cash compensation items that we may provide jointly with Distributor.       
Non-cash items include expenses for conference or seminar trips and certain     
gifts. With respect to the contracts, the compensation paid to affiliated       
selling firms is generally not expected to exceed, on a present value basis,    
the aggregate amount of commission that is paid by Distributor to all other     
selling firms as noted above.                                                   

SALES BY OUR AFFILIATES. As previously noted, we and Distributor may offer the  
contracts through retail selling firms that are affiliates of ours. The amount  
of compensation the affiliated selling firms pass on to their sales             
representatives is determined in accordance with their own internal             
compensation programs. These programs may also include other types of cash      
compensation, such as bonuses, equity awards (such as stock options), training  
allowances, supplementary salary, financing arrangements, marketing support,    
medical and other insurance benefits, retirement benefits, non-qualified        
deferred compensation plans and other benefits. For sales representatives of    
certain affiliates, the amount of this additional compensation is based         
primarily on the amount of proprietary products sold and serviced by the        
representative. Proprietary products are those issued by us or our affiliates.  
The managers who supervise these sales representatives may also be entitled to  
additional cash compensation based on the sale of proprietary products sold by  
their representatives. Because the additional cash compensation paid to these   
sales representatives and their managers is primarily based on sales of         
proprietary products, these sales representatives and their managers have an    
incentive to favor the sale of proprietary products over other products issued  
by non-affiliates.                                                              

Sales representatives of our affiliate, MLIC, receive cash payments for the     
products they sell and service based upon a "gross dealer concession" model.    
The cash payment received by the sales representative is equal to a percentage  

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of the gross dealer concession. For MLIC sales represenatives other than those  
in its MetLife Resources (MLR) division, the percentage is determined by a      
formula that takes into consideration the amount of proprietary products that   
the sales representative sells and services. The percentage could be as high as 
100%. (MLR sales representatives receive compensation based on premiums and     
purchase payments applied to all products sold and serviced by the              
representative.) In addition, MetLife sales representatives may be entitled to  
the additional compensation described above based on sales of proprietary       
products. Because sales of proprietary products are a factor determining the    
percentage of gross dealer concession and/or the amount of additional           
compensation to which MLIC sales representatives are entitled, the sales        
representatives have an incentive to favor the sale of the contracts over other 
similar products issued by non-affiliates. In addition, because the MLIC sales  
managers' compensation is based upon the sales made by the sales                
representatives they supervise, the MLIC sales managers also have an incentive  
to favor the sale of proprietary products.                                      

We may also make certain payments to the business unit responsible for the      
operation of the distribution systems through which the contracts are sold.     
These amounts are part of the total compensation paid for the sale of the       
contracts.                                                                      

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

ADDITIONAL COMPENSATION FOR SELECTED SELLING FIRMS. We and Distributor have     
entered into distribution arrangements with certain selected selling firms.     
Under these arrangements we and Distributor may pay additional compensation to  
selected selling firms, including marketing allowances, introduction fees,      
persistency payments, preferred status fees and industry conference fees.       
Marketing allowances are periodic payments to certain selling firms based on    
cumulative periodic (usually quarterly) sales of our variable insurance         
contracts (including the contracts). Introduction fees are payments to selling  
firms in connection with the addition of our products to the selling firm's     
line of investment products, including expenses relating to establishing the    
data communications systems necessary for the selling firm to offer, sell and   
administer our products. Persistency payments are periodic payments based on    
account values of our variable insurance contracts (including account values of 
the contracts) or other persistency standards. Preferred status fees are paid   
to obtain preferred treatment of the contracts in selling firms' marketing      
programs, which may include marketing services, participation in marketing      
meetings, listings in data resources and increased access to their sales        
representatives. Industry conference fees are amounts paid to cover in part the 
costs associated with sales conferences and educational seminars for selling    
firms' sales representatives. We and Distributor have entered into such         
distribution agreements with our affiliates, Tower Square Securities, Inc. and  
Walnut Street Securities, Inc., as well as unaffiliated selling firms           
identified in the Statement of Additional Information. We and Distributor may   
enter into similar arrangements with other affiliates, such as MLIC and New     
England Securities Corporation.                                                 

The additional types of compensation discussed above are not offered to all     
selling firms. The terms of any particular agreement governing compensation may 
vary among selling firms and the amounts may be significant. The prospect of    
receiving, or the receipt of, additional compensation as described above may    
provide selling firms and/or their sales representatives with an incentive to   
favor sales of the contracts over other variable annuity contracts (or other    
investments) with respect to which selling firm does not receive additional     
compensation, or lower levels of additional compensation. You may wish to take  
such payment arrangements into account when considering and evaluating any      
recommendation relating to the contracts. For more information about any such   
additional compensation arrangements, ask your registered representative. (See  
the Statement of Additional Information - "Distribution" for a list of selling  
firms that received compensation during 2010, as well as the range of           
additional compensation paid.)                                                  

REQUESTS AND ELECTIONS                                                          

We will treat your request for a contract transaction, or your submission of a  
purchase payment, as received by us if we receive a request conforming to our   
administrative procedures or a payment at our Annuity Service Center before the 
close of regular trading on the New York Stock Exchange on that day. We will    
treat your submission of a purchase payment as received by us if we receive a   
payment at our Annuity Service Center (or a designee receives a payment in      
accordance with the designee's administrative procedures) before the close of   
regular trading on the New York Stock Exchange on that day. If we receive the   
request,                                                                        

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or if we (or our designee) receive the payment, after the close of trading on   
the New York Stock Exchange on that day, or if the New York Stock Exchange is   
not open that day, then the request or payment will be treated as received on   
the next day when the New York Stock Exchange is open. Our Annuity Service      
Center is located at P.O. Box 10366, Des Moines, IA 50306-0366. If you send     
your purchase payments or transaction requests to an address other than the one 
we have designated for receipt of such purchase payments or requests, we may    
return the purchase payment to you, or there may be a delay in applying the     
purchase payment or transaction to your contract.                               

Requests for service may be made:                                               

o  Through your registered representative                                       

o  By telephone at (800) 343-8496, between the hours of 7:30AM and 5:30PM       
    Central Time Monday through Thursday and 7:30AM and 5:00PM Central Time on
Friday                                                                

o  In writing to our Annuity Service Center                                     

o  By fax at (515) 457-4400 or                                                  

o  By Internet at www.metlifeinvestors.com                                      

Some of the requests for service that may be made by telephone or Internet      
include transfers of account value (see "Investment Options - Transfers -       
Transfers By Telephone or Other Means") and changes to the allocation of future 
purchase payments (see "Purchase - Allocation of Purchase Payments"). All other 
requests must be in written form, satisfactory to us.                           

A request or transaction generally is considered in GOOD ORDER if it complies   
with our administrative procedures and the required information is complete and 
accurate. A request or transaction may be rejected or delayed if not in good    
order. If you have any questions, you should contact us or your registered      
representative before submitting the form or request.                           

We will use reasonable procedures such as requiring certain identifying         
information, tape recording the telephone instructions, and providing written   
confirmation of the transaction, in order to confirm that instructions          
communicated by telephone, fax, Internet or other means are genuine. Any        
telephone, fax or Internet instructions reasonably believed by us to be genuine 
will be your responsibility, including losses arising from any errors in the    
communication of instructions. As a result of this policy, you will bear the    
risk of loss. If we do not employ reasonable procedures to confirm that         
instructions communicated by telephone, fax or Internet are genuine, we may be  
liable for any losses due to unauthorized or fraudulent transactions. All other 
requests and elections under your contract must be in writing signed by the     
proper party, must include any necessary documentation and must be received at  
our Annuity Service Center to be effective. If acceptable to us, requests or    
elections relating to beneficiaries and ownership will take effect as of the    
date signed unless we have already acted in reliance on the prior status. We    
are not responsible for the validity of any written request or action.          

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

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

OWNERSHIP                                                                       

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

These rights include the right to:                                              

o  change the beneficiary.                                                      

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

o  assign the contract (subject to limitation).                                 

o  change the payment option.                                                   

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

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

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

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

ANNUITANT. The ANNUITANT is the natural person(s) on whose life we base annuity 
payments. You can change the annuitant at any time prior to the annuity date,   
unless an owner is not a natural person. Any reference to annuitant includes    
any joint annuitant under an annuity option. The owner and the annuitant do not 
have to be the same person except as required under certain sections of the     
Internal Revenue Code or under a GMIB rider (see "Living Benefits - Guaranteed  
Income Benefits").                                                              

ASSIGNMENT. You can assign a Non-Qualified Contract at any time during your     
lifetime. We will not be bound by the assignment until the written notice of    
the assignment is recorded by us. We will not be liable for any payment or      
other action we take in accordance with the contract before we record the       
assignment. AN ASSIGNMENT MAY BE A TAXABLE EVENT.                               

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

LEGAL PROCEEDINGS                                                               

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

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

FINANCIAL STATEMENTS                                                            

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

TABLE OF CONTENTS OF THE STATEMENT OF ADDITIONAL INFORMATION                    

Company                                                               

Independent Registered Public Accounting Firm                         

Custodian                                                             

Distribution                                                          

Calculation of Performance Information                                

Annuity Provisions                                                    

Tax Status of the Contracts                                           

Condensed Financial Information                                       

Financial Statements                                                  

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION                                                 

The following charts list the Condensed Financial Information (the              
accumulation unit value information for the accumulation units outstanding) for 
contracts issued as of December 31, 2010. See "Purchase - Accumulation Units" in
the prospectus for information on how accumulation unit values are calculated.  
Chart 1 presents accumulation unit values for the lowest possible combination of
separate account product charges and death benefit rider charges, and Chart 2   
presents accumulation unit values for the highest possible combination of such  
charges. The Statement of Additional Information (SAI) contains the accumulation
unit values for all other possible combinations of separate account product     
charges and death benefit rider charges. (See 2 for how to obtain a copy of the 
SAI.)                                                                           

CHART 1                                                                         

                                                        [Enlarge/Download Table]

                         1.30% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF     
                                   ACCUMULATION      ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS       
                                   BEGINNING OF         END OF         OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD   
                                 ---------------   ---------------  -------------------
                                                                                       
 MET INVESTORS SERIES TRUST                                                            
 AMERICAN FUNDS BALANCED ALLOCATION SUB-ACCOUNT (CLASS C)                              
  04/28/2008    to  12/31/2008       10.008575          7.016504        6,280,262.1197 
  01/01/2009    to  12/31/2009        7.016504          8.956971       29,427,103.4100 
  01/01/2010    to  12/31/2010        8.956971          9.916506       63,963,111.6993 
============   ==== ==========       =========         =========       =============== 
 AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS C)                                             
  04/28/2008    to  12/31/2008       10.038574          8.958531          379,988.2081 
  01/01/2009    to  12/31/2009        8.958531          9.914745        2,913,518.4300 
  01/01/2010    to  12/31/2010        9.914745         10.383763        6,607,312.9574 
============   ==== ==========       =========         =========       =============== 
 AMERICAN FUNDS GROWTH ALLOCATION SUB-ACCOUNT (CLASS C)                                
  04/28/2008    to  12/31/2008        9.998575          6.364205        9,033,896.4224 
  01/01/2009    to  12/31/2009        6.364205          8.420381       24,628,292.9700 
  01/01/2010    to  12/31/2010        8.420381          9.432345       30,134,443.3746 
============   ==== ==========       =========         =========       =============== 
 AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS C)                                           
  04/28/2008    to  12/31/2008        9.988576          5.763664        1,089,941.7315 
  01/01/2009    to  12/31/2009        5.763664          7.901709        5,989,885.4800 
  01/01/2010    to  12/31/2010        7.901709          9.229087       13,233,691.1092 
============   ==== ==========       =========         =========       =============== 
 AMERICAN FUNDS INTERNATIONAL SUB-ACCOUNT (CLASS C)                                    
  04/28/2008    to  12/31/2008       10.088572          6.059120        1,198,535.7218 
  01/01/2009    to  12/31/2009        6.059120          8.526167        3,936,382.1800 
  01/01/2010    to  12/31/2010        8.526167          8.996195        8,137,110.7514 
============   ==== ==========       =========         =========       =============== 
 AMERICAN FUNDS MODERATE ALLOCATION SUB-ACCOUNT (CLASS C)                              
  04/28/2008    to  12/31/2008       10.018575          7.690677        3,535,438.6817 
  01/01/2009    to  12/31/2009        7.690677          9.367447       17,906,952.5700 
  01/01/2010    to  12/31/2010        9.367447         10.162530       36,787,680.4868 
============   ==== ==========       =========         =========       =============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.30% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF    
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS      
                                   BEGINNING OF         END OF        OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD  
                                 ---------------   ---------------  ------------------
                                                                                      
 BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                           
  04/28/2008    to  12/31/2008       17.010615         12.733893          52,715.4289 
  01/01/2009    to  12/31/2009       12.733893         18.432949         808,856.4100 
  01/01/2010    to  12/31/2010       18.432949         21.064711       1,606,629.7651 
============   ==== ==========       =========         =========       ============== 
 CLARION GLOBAL REAL ESTATE SUB-ACCOUNT (CLASS B)                                     
  05/01/2004    to  12/31/2004        9.998932         12.842253         770,371.6137 
  01/01/2005    to  12/31/2005       12.842253         14.361086         620,485.4876 
  01/01/2006    to  12/31/2006       14.361086         19.503665         729,869.7516 
  01/01/2007    to  12/31/2007       19.503665         16.361582         625,721.8632 
  01/01/2008    to  12/31/2008       16.361582          9.419490         679,699.9161 
  01/01/2009    to  12/31/2009        9.419490         12.527414         946,010.2900 
  01/01/2010    to  12/31/2010       12.527414         14.357371       1,476,563.4478 
============   ==== ==========       =========         =========       ============== 
 GOLDMAN SACHS MID CAP VALUE SUB-ACCOUNT (CLASS B)                                    
  05/01/2004    to  12/31/2004        9.998932         11.979835         751,289.5807 
  01/01/2005    to  12/31/2005       11.979835         13.308023         835,059.7337 
  01/01/2006    to  12/31/2006       13.308023         15.197948       1,031,962.6009 
  01/01/2007    to  12/31/2007       15.197948         15.465093       1,098,494.8422 
  01/01/2008    to  12/31/2008       15.465093          9.757880         864,977.6075 
  01/01/2009    to  12/31/2009        9.757880         12.743199         747,002.4400 
  01/01/2010    to  12/31/2010       12.743199         15.626784       1,164,792.7899 
============   ==== ==========       =========         =========       ============== 
 HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                   
  10/09/2001    to  12/31/2001       10.000000         10.938098           3,561.3631 
  01/01/2002    to  12/31/2002       10.938098          8.843411         124,407.6562 
  01/01/2003    to  12/31/2003        8.843411         11.781709       1,944,440.9745 
  01/01/2004    to  12/31/2004       11.781709         14.015958       2,895,079.4680 
  01/01/2005    to  12/31/2005       14.015958         15.805131       2,751,090.9694 
  01/01/2006    to  12/31/2006       15.805131         20.102385       2,862,528.7388 
  01/01/2007    to  12/31/2007       20.102385         19.619410       2,901,790.3525 
  01/01/2008    to  12/31/2008       19.619410         11.447839       2,450,961.5737 
  01/01/2009    to  12/31/2009       11.447839         17.522037       2,794,270.6300 
  01/01/2010    to  12/31/2010       17.522037         20.135790       4,148,808.2964 
============   ==== ==========       =========         =========       ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.30% SEPARATE ACCOUNT PRODUCT CHARGES                         
                                                                          NUMBER OF    
                                   ACCUMULATION      ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT           UNITS      
                                   BEGINNING OF         END OF         OUTSTANDING AT  
                                      PERIOD            PERIOD          END OF PERIOD  
                                 ---------------   ---------------   ------------------
                                                                                       
 INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                        
  (FORMERLY MET/AIM SMALL CAP GROWTH SUB-ACCOUNT (CLASS B))                            
  10/09/2001    to  12/31/2001       10.000000         11.855004           12,265.6895 
  01/01/2002    to  12/31/2002       11.855004          8.483365          332,911.4483 
  01/01/2003    to  12/31/2003        8.483365         11.628364        1,351,749.0063 
  01/01/2004    to  12/31/2004       11.628364         12.216087        2,216,614.2986 
  01/01/2005    to  12/31/2005       12.216087         13.055494        1,845,780.7359 
  01/01/2006    to  12/31/2006       13.055494         14.715075        1,681,372.8277 
  01/01/2007    to  12/31/2007       14.715075         16.132011        1,583,272.0426 
  01/01/2008    to  12/31/2008       16.132011          9.756232        1,413,076.3492 
  01/01/2009    to  12/31/2009        9.756232         12.887153        1,568,022.0300 
  01/01/2010    to  12/31/2010       12.887153         16.051479        1,856,708.9120 
============   ==== ==========      ==========        ==========        ============== 
 JANUS FORTY SUB-ACCOUNT (CLASS B)                                                     
  05/03/2010    to  12/31/2010      155.513964        160.035224           51,666.2510 
============   ==== ==========      ==========        ==========        ============== 
 LAZARD MID CAP SUB-ACCOUNT (CLASS B)                                                  
  10/09/2001    to  12/31/2001       10.000000         10.993732            5,514.8131 
  01/01/2002    to  12/31/2002       10.993732          9.677875          221,500.4020 
  01/01/2003    to  12/31/2003        9.677875         12.053335        1,424,037.3695 
  01/01/2004    to  12/31/2004       12.053335         13.610720        1,326,055.6245 
  01/01/2005    to  12/31/2005       13.610720         14.518126        1,231,425.6966 
  01/01/2006    to  12/31/2006       14.518126         16.434208        1,118,035.4493 
  01/01/2007    to  12/31/2007       16.434208         15.781153        1,013,729.6416 
  01/01/2008    to  12/31/2008       15.781153          9.610722          887,700.0304 
  01/01/2009    to  12/31/2009        9.610722         12.974017        1,041,910.0300 
  01/01/2010    to  12/31/2010       12.974017         15.733983        1,299,116.0411 
============   ==== ==========      ==========        ==========        ============== 
 LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                        
  (FORMERLY LEGG MASON PARTNERS AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))               
  03/21/2001    to  12/31/2001        8.041634          7.313773          141,261.7815 
  01/01/2002    to  12/31/2002        7.313773          5.209721          646,613.5515 
  01/01/2003    to  12/31/2003        5.209721          6.731495        2,939,421.7723 
  01/01/2004    to  12/31/2004        6.731495          7.205146        2,913,112.4155 
  01/01/2005    to  12/31/2005        7.205146          8.077921        2,119,856.3566 
  01/01/2006    to  12/31/2006        8.077921          7.835262        1,864,011.0022 
  01/01/2007    to  12/31/2007        7.835262          7.908830        1,836,123.3787 
  01/01/2008    to  12/31/2008        7.908830          4.757828        1,697,101.2210 
  01/01/2009    to  12/31/2009        4.757828          6.244386        1,847,531.9800 
  01/01/2010    to  12/31/2010        6.244386          7.629941        2,402,632.9603 
============   ==== ==========      ==========        ==========        ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.30% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF    
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS      
                                   BEGINNING OF         END OF        OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD  
                                 ---------------   ---------------  ------------------
                                                                                      
 LEGG MASON VALUE EQUITY SUB-ACCOUNT (CLASS B)                                        
  11/07/2005    to  12/31/2005       10.247456         10.627269           8,086.7340 
  01/01/2006    to  12/31/2006       10.627269         11.180916         193,857.7538 
  01/01/2007    to  12/31/2007       11.180916         10.383877         268,142.2292 
  01/01/2008    to  12/31/2008       10.383877          4.651552         368,399.0913 
  01/01/2009    to  12/31/2009        4.651552          6.334860         834,293.0700 
  01/01/2010    to  12/31/2010        6.334860          6.711722       1,634,290.2852 
============   ==== ==========       =========         =========       ============== 
 LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                   
  05/01/2006    to  12/31/2006        9.988932         10.346428          31,867.7088 
  01/01/2007    to  12/31/2007       10.346428         13.056584         306,643.1941 
  01/01/2008    to  12/31/2008       13.056584          7.827887         571,241.0052 
  01/01/2009    to  12/31/2009        7.827887         10.880671         900,772.8000 
  01/01/2010    to  12/31/2010       10.880671         13.104428       1,787,006.9564 
============   ==== ==========       =========         =========       ============== 
 LORD ABBETT BOND DEBENTURE SUB-ACCOUNT (CLASS B)                                     
  03/21/2001    to  12/31/2001       13.963875         13.989418          76,822.8145 
  01/01/2002    to  12/31/2002       13.989418         13.729566         549,399.5889 
  01/01/2003    to  12/31/2003       13.729566         16.148717       3,043,791.3676 
  01/01/2004    to  12/31/2004       16.148717         17.241340       2,951,732.6696 
  01/01/2005    to  12/31/2005       17.241340         17.273419       2,205,759.5223 
  01/01/2006    to  12/31/2006       17.273419         18.610680       2,004,715.4933 
  01/01/2007    to  12/31/2007       18.610680         19.572206       1,859,195.1431 
  01/01/2008    to  12/31/2008       19.572206         15.724805       1,479,319.8866 
  01/01/2009    to  12/31/2009       15.724805         21.229513       1,479,724.3900 
  01/01/2010    to  12/31/2010       21.229513         23.672401       1,545,646.1486 
============   ==== ==========       =========         =========       ============== 
 LORD ABBETT GROWTH AND INCOME SUB-ACCOUNT (CLASS B)                                  
  03/21/2001    to  12/31/2001       39.123031         41.425267          71,763.1393 
  01/01/2002    to  12/31/2002       41.425267         33.480916         447,743.2489 
  01/01/2003    to  12/31/2003       33.480916         43.205327       1,597,992.6751 
  01/01/2004    to  12/31/2004       43.205327         48.039270       1,656,588.5973 
  01/01/2005    to  12/31/2005       48.039270         49.028917       1,378,873.7766 
  01/01/2006    to  12/31/2006       49.028917         57.004744       1,310,759.5018 
  01/01/2007    to  12/31/2007       57.004744         58.358469       1,226,195.9076 
  01/01/2008    to  12/31/2008       58.358469         36.675084       1,101,275.5709 
  01/01/2009    to  12/31/2009       36.675084         42.859992       1,095,920.3900 
  01/01/2010    to  12/31/2010       42.859992         49.506793       1,212,047.0196 
============   ==== ==========       =========         =========       ============== 
 MET/EATON VANCE FLOATING RATE SUB-ACCOUNT (CLASS B)                                  
  05/03/2010    to  12/31/2010        9.998219         10.229633         286,312.4117 
============   ==== ==========       =========         =========       ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.30% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF    
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS      
                                   BEGINNING OF         END OF        OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD  
                                 ---------------   ---------------  ------------------
                                                                                      
 LORD ABBETT MID CAP VALUE SUB-ACCOUNT (CLASS B)                                      
  04/28/2008    to  12/31/2008       25.455600         16.783097          65,746.4846 
  01/01/2009    to  12/31/2009       16.783097         20.962123         325,555.0300 
  01/01/2010    to  12/31/2010       20.962123         25.973598         730,777.6401 
============   ==== ==========       =========         =========      =============== 
 MET/FRANKLIN MUTUAL SHARES SUB-ACCOUNT (CLASS B)                                     
  04/28/2008    to  12/31/2008        9.998575          6.604697         332,239.1300 
  01/01/2009    to  12/31/2009        6.604697          8.141697       1,410,235.3100 
  01/01/2010    to  12/31/2010        8.141697          8.922471       3,326,710.2471 
============   ==== ==========       =========         =========      =============== 
 MET/FRANKLIN TEMPLETON FOUNDING STRATEGY SUB-ACCOUNT (CLASS B)                       
  04/28/2008    to  12/31/2008        9.998575          7.038489       3,326,203.9835 
  01/01/2009    to  12/31/2009        7.038489          8.931219       7,978,778.6500 
  01/01/2010    to  12/31/2010        8.931219          9.701527      10,962,663.9552 
============   ==== ==========       =========         =========      =============== 
 MET/PUTNAM RESEARCH SUB-ACCOUNT (CLASS B)                                            
  03/21/2001    to  12/31/2001        8.137898          8.072222          72,909.1257 
  01/01/2002    to  12/31/2002        8.072222          6.309653         326,542.9084 
  01/01/2003    to  12/31/2003        6.309653          7.744019         823,530.0876 
  01/01/2004    to  11/19/2004        7.744019          7.962421         930,038.0768 
============   ==== ==========       =========         =========      =============== 
 MET/TEMPLETON INTERNATIONAL BOND SUB-ACCOUNT (CLASS B)                               
  05/04/2009    to  12/31/2009        9.998575         10.904481         153,833.0700 
  01/01/2010    to  12/31/2010       10.904481         12.221348         882,010.0352 
============   ==== ==========       =========         =========      =============== 
 MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                          
  05/01/2006    to  12/31/2006        9.988932         10.485576          88,014.0200 
  01/01/2007    to  12/31/2007       10.485576         14.139404         389,137.7826 
  01/01/2008    to  12/31/2008       14.139404          6.206168         650,804.9060 
  01/01/2009    to  12/31/2009        6.206168         10.349730       1,957,757.3500 
  01/01/2010    to  12/31/2010       10.349730         12.632893       4,272,774.8448 
============   ==== ==========       =========         =========      =============== 
 MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                           
  03/21/2001    to  12/31/2001        8.805686          8.387714          54,695.0381 
  01/01/2002    to  12/31/2002        8.387714          7.302286         483,704.5145 
  01/01/2003    to  12/31/2003        7.302286          9.517689       1,369,849.4587 
  01/01/2004    to  12/31/2004        9.517689         11.231988       2,488,309.3887 
  01/01/2005    to  12/31/2005       11.231988         12.908110       2,064,405.4810 
  01/01/2006    to  12/31/2006       12.908110         16.126532       2,095,887.3446 
  01/01/2007    to  12/31/2007       16.126532         18.032713       2,060,385.5071 
  01/01/2008    to  12/31/2008       18.032713         10.258478       2,082,214.2319 
  01/01/2009    to  12/31/2009       10.258478         13.322358       2,237,866.1300 
  01/01/2010    to  12/31/2010       13.322358         14.650114       2,642,435.2485 
============   ==== ==========       =========         =========      =============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                         1.30% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF     
                                   ACCUMULATION      ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS       
                                   BEGINNING OF         END OF         OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD   
                                 ---------------   ---------------  -------------------
                                                                                       
 OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B)                                
  03/21/2001    to  12/31/2001        8.558733          8.473531          183,404.0859 
  01/01/2002    to  12/31/2002        8.473531          6.295082        1,277,509.7466 
  01/01/2003    to  12/31/2003        6.295082          7.986520        5,587,981.7744 
  01/01/2004    to  12/31/2004        7.986520          8.387919        6,348,848.3146 
  01/01/2005    to  12/31/2005        8.387919          8.670211        5,438,695.6071 
  01/01/2006    to  12/31/2006        8.670211          9.210340        4,963,489.8364 
  01/01/2007    to  12/31/2007        9.210340         10.389731        4,381,936.1057 
  01/01/2008    to  12/31/2008       10.389731          5.543921        3,673,140.0528 
  01/01/2009    to  12/31/2009        5.543921          7.863859        3,221,581.2300 
  01/01/2010    to  12/31/2010        7.863859          8.491728        2,814,605.7081 
============   ==== ==========       =========         =========       =============== 
 PIMCO INFLATION PROTECTED BOND SUB-ACCOUNT (CLASS B)                                  
  05/01/2003    to  12/31/2003       10.000000         10.442908        2,658,017.4183 
  01/01/2004    to  12/31/2004       10.442908         11.236502        3,631,576.4996 
  01/01/2005    to  12/31/2005       11.236502         11.245632        2,758,740.9203 
  01/01/2006    to  12/31/2006       11.245632         11.143728        2,525,466.7768 
  01/01/2007    to  12/31/2007       11.143728         12.186705        2,361,952.3491 
  01/01/2008    to  12/31/2008       12.186705         11.200179        2,626,165.3759 
  01/01/2009    to  12/31/2009       11.200179         13.050909        5,720,116.2700 
  01/01/2010    to  12/31/2010       13.050909         13.882186       10,052,885.2830 
============   ==== ==========       =========         =========       =============== 
 PIMCO TOTAL RETURN SUB-ACCOUNT (CLASS B)                                              
  03/21/2001    to  12/31/2001       10.161771         10.544458          262,930.6255 
  01/01/2002    to  12/31/2002       10.544458         11.375589        1,717,758.7339 
  01/01/2003    to  12/31/2003       11.375589         11.712172        4,747,365.6685 
  01/01/2004    to  12/31/2004       11.712172         12.136302        4,541,906.1125 
  01/01/2005    to  12/31/2005       12.136302         12.249240        4,194,421.7575 
  01/01/2006    to  12/31/2006       12.249240         12.637717        3,970,715.3475 
  01/01/2007    to  12/31/2007       12.637717         13.417201        3,792,176.8187 
  01/01/2008    to  12/31/2008       13.417201         13.297716        4,238,603.2480 
  01/01/2009    to  12/31/2009       13.297716         15.492431       10,012,630.4900 
  01/01/2010    to  12/31/2010       15.492431         16.541825       21,827,033.0237 
============   ==== ==========       =========         =========       =============== 
 PIONEER FUND SUB-ACCOUNT (CLASS B)                                                    
  05/04/2009    to  12/31/2009       13.603770         16.688680           32,260.4500 
  01/01/2010    to  12/31/2010       16.688680         19.097595          177,444.3843 
============   ==== ==========       =========         =========       =============== 
 PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS E)                                        
  05/03/2010    to  12/31/2010       24.171167         25.405794          305,233.6711 
============   ==== ==========       =========         =========       =============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.30% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF    
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS      
                                   BEGINNING OF         END OF        OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD  
                                 ---------------   ---------------  ------------------
                                                                                      
 RAINIER LARGE CAP EQUITY SUB-ACCOUNT (CLASS B)                                       
  11/12/2007    to  12/31/2007        9.565877          9.985542          51,490.4133 
  01/01/2008    to  12/31/2008        9.985542          5.735714         441,581.2252 
  01/01/2009    to  12/31/2009        5.735714          6.978023         631,572.4900 
  01/01/2010    to  12/31/2010        6.978023          7.947595       1,099,969.3348 
============   ==== ==========       =========         =========      =============== 
 RCM TECHNOLOGY SUB-ACCOUNT (CLASS B)                                                 
  03/21/2001    to  12/31/2001        7.234270          6.098184          49,113.5010 
  01/01/2002    to  12/31/2002        6.098184          2.965659         351,078.3241 
  01/01/2003    to  12/31/2003        2.965659          4.612668       1,003,197.0985 
  01/01/2004    to  12/31/2004        4.612668          4.356604       1,811,654.0810 
  01/01/2005    to  12/31/2005        4.356604          4.774216       1,336,486.7661 
  01/01/2006    to  12/31/2006        4.774216          4.964676       1,217,275.7450 
  01/01/2007    to  12/31/2007        4.964676          6.444975       1,348,808.2667 
  01/01/2008    to  12/31/2008        6.444975          3.533678       1,304,269.2465 
  01/01/2009    to  12/31/2009        3.533678          5.545124       1,770,107.2500 
  01/01/2010    to  12/31/2010        5.545124          6.989172       2,454,720.1053 
============   ==== ==========       =========         =========      =============== 
 SSGA GROWTH AND INCOME ETF SUB-ACCOUNT (CLASS B)                                     
  11/10/2008    to  12/31/2008        8.431507          8.599158          18,126.1550 
  01/01/2009    to  12/31/2009        8.599158         10.600545       8,400,557.7000 
  01/01/2010    to  12/31/2010       10.600545         11.744313      26,042,807.1683 
============   ==== ==========       =========         =========      =============== 
 SSGA GROWTH ETF SUB-ACCOUNT (CLASS B)                                                
  11/10/2008    to  12/31/2008        7.806825          7.883723          40,057.5754 
  01/01/2009    to  12/31/2009        7.883723         10.046366       4,279,290.4700 
  01/01/2010    to  12/31/2010       10.046366         11.320254       8,664,921.3819 
============   ==== ==========       =========         =========      =============== 
 T. ROWE PRICE MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                   
  03/21/2001    to  12/31/2001        8.099086          8.243089         122,870.7366 
  01/01/2002    to  12/31/2002        8.243089          4.553397         857,020.9813 
  01/01/2003    to  12/31/2003        4.553397          6.141416       3,875,360.9009 
  01/01/2004    to  12/31/2004        6.141416          7.142345       3,798,386.0730 
  01/01/2005    to  12/31/2005        7.142345          8.081594       4,168,208.3625 
  01/01/2006    to  12/31/2006        8.081594          8.469235       4,101,476.6397 
  01/01/2007    to  12/31/2007        8.469235          9.833670       3,861,948.9829 
  01/01/2008    to  12/31/2008        9.833670          5.848107       3,799,176.2981 
  01/01/2009    to  12/31/2009        5.848107          8.397496       5,428,989.7400 
  01/01/2010    to  12/31/2010        8.397496         10.583789       7,843,972.0856 
============   ==== ==========       =========         =========      =============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.30% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                        NUMBER OF    
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT     UNIT VALUE AT         UNITS      
                                   BEGINNING OF         END OF        OUTSTANDING AT 
                                      PERIOD            PERIOD        END OF PERIOD  
                                 ---------------   ---------------  -----------------
                                                                                     
 THIRD AVENUE SMALL CAP VALUE SUB-ACCOUNT (CLASS B)                                  
  05/01/2002    to  12/31/2002       10.000000          8.238014        217,902.1405 
  01/01/2003    to  12/31/2003        8.238014         11.499992      2,204,028.2289 
  01/01/2004    to  12/31/2004       11.499992         14.359765      2,789,605.9918 
  01/01/2005    to  12/31/2005       14.359765         16.368827      2,614,232.6949 
  01/01/2006    to  12/31/2006       16.368827         18.279602      2,569,424.3193 
  01/01/2007    to  12/31/2007       18.279602         17.497164      2,329,908.1628 
  01/01/2008    to  12/31/2008       17.497164         12.120015      2,124,702.2222 
  01/01/2009    to  12/31/2009       12.120015         15.127915      2,607,975.7400 
  01/01/2010    to  12/31/2010       15.127915         17.903836      3,008,084.6894 
============   ==== ==========       =========         =========      ============== 
 TURNER MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                         
  05/01/2004    to  12/31/2004        9.998932         11.122514        651,276.7103 
  01/01/2005    to  12/31/2005       11.122514         12.226213        496,307.5290 
  01/01/2006    to  12/31/2006       12.226213         12.801545        492,284.4045 
  01/01/2007    to  12/31/2007       12.801545         15.686606        553,918.9023 
  01/01/2008    to  12/31/2008       15.686606          8.005137        581,221.2579 
  01/01/2009    to  12/31/2009        8.005137         11.628611        732,902.5400 
  01/01/2010    to  12/31/2010       11.628611         14.596416        948,516.5297 
============   ==== ==========       =========         =========      ============== 
 VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B)                                           
  05/01/2005    to  12/31/2005        9.998932         10.482927        123,592.2670 
  01/01/2006    to  12/31/2006       10.482927         12.009028        388,804.9097 
  01/01/2007    to  12/31/2007       12.009028         11.557695        526,684.2776 
  01/01/2008    to  12/31/2008       11.557695          7.311136        527,691.4793 
  01/01/2009    to  12/31/2009        7.311136          9.134319      1,150,403.5300 
  01/01/2010    to  12/31/2010        9.134319         10.355646      2,334,816.0500 
============   ==== ==========       =========         =========      ============== 
 METROPOLITAN SERIES FUND, INC.                                                      
 BARCLAYS CAPITAL AGGREGATE BOND INDEX SUB-ACCOUNT (CLASS G)                         
  05/04/2009    to  12/31/2009       14.569022         15.090255        317,792.2300 
  01/01/2010    to  12/31/2010       15.090255         15.737050      1,505,629.4893 
============   ==== ==========       =========         =========      ============== 
 BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                        
  05/01/2005    to  12/31/2005       10.003238         10.115353      1,787,666.3266 
  01/01/2006    to  12/31/2006       10.115353         10.439484      2,652,583.4142 
  01/01/2007    to  12/31/2007       10.439484         10.800004      1,988,178.0359 
  01/01/2008    to  12/31/2008       10.800004         10.937212      5,268,153.0175 
  01/01/2009    to  12/31/2009       10.937212         10.823284      7,237,239.1900 
  01/01/2010    to  12/31/2010       10.823284         10.683489      6,125,103.8687 
============   ==== ==========       =========         =========      ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.30% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF    
                                   ACCUMULATION      ACCUMULATION       ACCUMULATION  
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS      
                                   BEGINNING OF         END OF         OUTSTANDING AT 
                                      PERIOD            PERIOD         END OF PERIOD  
                                 ---------------   ---------------   -----------------
                                                                                      
 BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                         
  (FORMERLY MET INVESTORS SERIES TRUST - MONEY MARKET SUB-ACCOUNT (CLASS B))          
  03/21/2001    to  12/31/2001       10.032441         10.162217         294,508.2021 
  01/01/2002    to  12/31/2002       10.162217         10.140914         670,575.2963 
  01/01/2003    to  12/31/2003       10.140914         10.053407       1,024,266.9615 
  01/01/2004    to  12/31/2004       10.053407          9.986845       1,038,005.1340 
  01/01/2005    to  04/30/2005        9.986845         10.003169               0.0000 
============   ==== ==========       =========         =========       ============== 
 DAVIS VENTURE VALUE SUB-ACCOUNT (CLASS E)                                            
  03/21/2001    to  12/31/2001       10.000000         10.164523         226,062.5443 
  01/01/2002    to  12/31/2002       10.164523          8.372638       1,454,877.2395 
  01/01/2003    to  12/31/2003        8.372638         10.804691       4,466,753.8811 
  01/01/2004    to  12/31/2004       10.804691         11.959652       7,052,746.9586 
  01/01/2005    to  12/31/2005       11.959652         13.002225       7,035,744.2983 
  01/01/2006    to  12/31/2006       13.002225         14.683664       6,858,303.6892 
  01/01/2007    to  12/31/2007       14.683664         15.135328       6,289,293.8889 
  01/01/2008    to  12/31/2008       15.135328          9.044550       5,942,208.3072 
  01/01/2009    to  12/31/2009        9.044550         11.769227       6,885,440.6600 
  01/01/2010    to  12/31/2010       11.769227         12.990078       8,434,747.0696 
============   ==== ==========       =========         =========       ============== 
 JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                
  05/01/2002    to  12/31/2002       10.000000          7.633197         430,856.6897 
  01/01/2003    to  12/31/2003        7.633197          9.771784       1,956,003.9889 
  01/01/2004    to  12/31/2004        9.771784         10.507294       2,509,951.1567 
  01/01/2005    to  12/31/2005       10.507294         11.776011       2,038,848.2797 
  01/01/2006    to  12/31/2006       11.776011         11.917701       1,965,486.7985 
  01/01/2007    to  12/31/2007       11.917701         13.102626       2,064,348.4206 
  01/01/2008    to  12/31/2008       13.102626          8.206347       1,927,116.8755 
  01/01/2009    to  12/31/2009        8.206347         11.305103       2,597,238.4600 
  01/01/2010    to  12/31/2010       11.305103         12.421672       3,286,036.0530 
============   ==== ==========       =========         =========       ============== 
 MET/ARTISAN MID CAP VALUE SUB-ACCOUNT (CLASS B)                                      
  03/21/2001    to  12/31/2001       10.000000         11.957073         161,189.7692 
  01/01/2002    to  12/31/2002       11.957073         10.732579         912,536.4123 
  01/01/2003    to  12/31/2003       10.732579         14.018909       3,128,901.9323 
  01/01/2004    to  12/31/2004       14.018909         15.173053       3,222,798.8875 
  01/01/2005    to  12/31/2005       15.173053         16.431581       2,899,320.6220 
  01/01/2006    to  12/31/2006       16.431581         18.194413       2,717,312.3747 
  01/01/2007    to  12/31/2007       18.194413         16.687600       2,403,404.8355 
  01/01/2008    to  12/31/2008       16.687600          8.872604       2,146,823.0030 
  01/01/2009    to  12/31/2009        8.872604         12.366144       2,177,658.1700 
  01/01/2010    to  12/31/2010       12.366144         14.008178       2,289,185.6786 
============   ==== ==========       =========         =========       ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.30% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF    
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS      
                                   BEGINNING OF         END OF        OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD  
                                 ---------------   ---------------  ------------------
                                                                                      
 MET/DIMENSIONAL INTERNATIONAL SMALL COMPANY SUB-ACCOUNT (CLASS B)                    
  11/10/2008    to  12/31/2008       10.066059         10.137618             498.4427 
  01/01/2009    to  12/31/2009       10.137618         14.281201         210,682.5200 
  01/01/2010    to  12/31/2010       14.281201         17.281226         471,865.9161 
============   ==== ==========       =========         =========       ============== 
 METLIFE MID CAP STOCK INDEX SUB-ACCOUNT (CLASS G)                                    
  05/04/2009    to  12/31/2009       11.179204         13.943832         129,822.1500 
  01/01/2010    to  12/31/2010       13.943832         17.331163         651,532.9876 
============   ==== ==========       =========         =========       ============== 
 METLIFE STOCK INDEX SUB-ACCOUNT (CLASS B)                                            
  10/09/2001    to  12/31/2001       10.000000         10.852281          18,910.0961 
  01/01/2002    to  12/31/2002       10.852281          8.300023         374,833.1880 
  01/01/2003    to  12/31/2003        8.300023         10.476416       1,586,695.1489 
  01/01/2004    to  12/31/2004       10.476416         11.403676       2,766,944.4806 
  01/01/2005    to  12/31/2005       11.403676         11.749364       2,889,074.9741 
  01/01/2006    to  12/31/2006       11.749364         13.359298       2,682,914.1364 
  01/01/2007    to  12/31/2007       13.359298         13.841789       2,605,480.1759 
  01/01/2008    to  12/31/2008       13.841789          8.571864       2,492,754.0172 
  01/01/2009    to  12/31/2009        8.571864         10.654333       3,310,229.6700 
  01/01/2010    to  12/31/2010       10.654333         12.040704       4,522,368.4743 
============   ==== ==========       =========         =========       ============== 
 MORGAN STANLEY EAFE (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                            
  05/04/2009    to  12/31/2009        9.325674         12.025392         196,427.6200 
  01/01/2010    to  12/31/2010       12.025392         12.791765       1,026,499.4815 
============   ==== ==========       =========         =========       ============== 
 RUSSELL 2000 (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                                   
  05/04/2009    to  12/31/2009       11.560189         14.238122         149,406.6900 
  01/01/2010    to  12/31/2010       14.238122         17.785176         577,553.2852 
============   ==== ==========       =========         =========       ============== 
 VAN ECK GLOBAL NATURAL RESOURCES SUB-ACCOUNT (CLASS B)                               
  05/04/2009    to  12/31/2009       11.633525         14.804435         260,265.3300 
  01/01/2010    to  12/31/2010       14.804435         18.854763       1,046,273.7816 
============   ==== ==========       =========         =========       ============== 
 WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                       
  05/01/2005    to  12/31/2005       15.969806         15.964032           6,938.4022 
  01/01/2006    to  12/31/2006       15.964032         16.375307          65,282.4384 
  01/01/2007    to  12/31/2007       16.375307         16.814588         143,538.5481 
  01/01/2008    to  12/31/2008       16.814588         16.508505         316,728.2401 
  01/01/2009    to  12/31/2009       16.508505         16.960174         755,944.8400 
  01/01/2010    to  12/31/2010       16.960174         17.660648       1,372,564.1669 
============   ==== ==========       =========         =========       ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                         1.30% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF     
                                   ACCUMULATION      ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS       
                                   BEGINNING OF         END OF         OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD   
                                 ---------------   ---------------  -------------------
                                                                                       
 MET INVESTORS SERIES TRUST - METLIFE ASSET ALLOCATION PROGRAM                         
 METLIFE AGGRESSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                     
  11/22/2004    to  12/31/2004       10.303038         10.693251        2,326,694.2040 
  01/01/2005    to  12/31/2005       10.693251         11.651175        5,310,394.4587 
  01/01/2006    to  12/31/2006       11.651175         13.070727        6,013,814.3879 
  01/01/2007    to  12/31/2007       13.070727         13.273444        5,847,450.7799 
  01/01/2008    to  12/31/2008       13.273444          7.754319        5,257,507.7050 
  01/01/2009    to  12/31/2009        7.754319         10.152970        6,201,350.0100 
  01/01/2010    to  12/31/2010       10.152970         11.675624        8,522,330.0195 
============   ==== ==========       =========         =========       =============== 
 METLIFE BALANCED STRATEGY SUB-ACCOUNT (CLASS B)                                       
  11/22/2004    to  12/31/2004       10.103167         10.397106       14,344,105.0800 
  01/01/2005    to  12/31/2005       10.397106         10.994107       30,284,092.8176 
  01/01/2006    to  12/31/2006       10.994107         12.152378       39,319,947.5583 
  01/01/2007    to  12/31/2007       12.152378         12.580234       49,522,416.6533 
  01/01/2008    to  12/31/2008       12.580234          8.451645       51,851,203.2132 
  01/01/2009    to  12/31/2009        8.451645         10.706411       67,642,643.2700 
  01/01/2010    to  12/31/2010       10.706411         12.003908       99,102,929.6821 
============   ==== ==========       =========         =========       =============== 
 METLIFE DEFENSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                      
  11/22/2004    to  12/31/2004        9.943271         10.113107        1,394,500.7160 
  01/01/2005    to  12/31/2005       10.113107         10.430055        3,346,655.1997 
  01/01/2006    to  12/31/2006       10.430055         11.183762        4,179,011.9855 
  01/01/2007    to  12/31/2007       11.183762         11.691964        5,303,478.6896 
  01/01/2008    to  12/31/2008       11.691964          9.157310       10,337,483.8232 
  01/01/2009    to  12/31/2009        9.157310         11.109695       17,354,176.8000 
  01/01/2010    to  12/31/2010       11.109695         12.161825       28,712,099.6408 
============   ==== ==========       =========         =========       =============== 
 METLIFE GROWTH STRATEGY SUB-ACCOUNT (CLASS B)                                         
  11/22/2004    to  12/31/2004       10.243077         10.608115       12,239,398.8200 
  01/01/2005    to  12/31/2005       10.608115         11.426958       26,220,599.1050 
  01/01/2006    to  12/31/2006       11.426958         12.813215       40,037,532.9256 
  01/01/2007    to  12/31/2007       12.813215         13.241565       55,415,178.8218 
  01/01/2008    to  12/31/2008       13.241565          8.120740       59,590,942.9659 
  01/01/2009    to  12/31/2009        8.120740         10.428495       63,690,821.9600 
  01/01/2010    to  12/31/2010       10.428495         11.888337       65,639,038.3986 
============   ==== ==========       =========         =========       =============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                         1.30% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF     
                                   ACCUMULATION      ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS       
                                   BEGINNING OF         END OF         OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD   
                                 ---------------   ---------------  -------------------
                                                                                       
 METLIFE MODERATE STRATEGY SUB-ACCOUNT (CLASS B)                                       
  11/22/2004    to  12/31/2004       10.013225         10.233375        4,494,540.6410 
  01/01/2005    to  12/31/2005       10.233375         10.688727       10,046,993.4560 
  01/01/2006    to  12/31/2006       10.688727         11.630632       12,013,044.0543 
  01/01/2007    to  12/31/2007       11.630632         12.192163       14,749,472.3108 
  01/01/2008    to  12/31/2008       12.192163          8.854726       18,078,465.9154 
  01/01/2009    to  12/31/2009        8.854726         11.020404       28,418,169.9100 
  01/01/2010    to  12/31/2010       11.020404         12.226944       50,680,261.0206 
============   ==== ==========       =========         =========       =============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

CHART 2                                                                         

                                                        [Enlarge/Download Table]

                        1.90% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                        NUMBER OF    
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT     UNIT VALUE AT         UNITS      
                                   BEGINNING OF         END OF        OUTSTANDING AT 
                                      PERIOD            PERIOD        END OF PERIOD  
                                 ---------------   ---------------  -----------------
                                                                                     
 MET INVESTORS SERIES TRUST                                                          
 AMERICAN FUNDS BALANCED ALLOCATION SUB-ACCOUNT (CLASS C)                            
  04/28/2008    to  12/31/2008       10.007917          6.987538        970,399.0817 
  01/01/2009    to  12/31/2009        6.987538          8.866651      3,028,562.1600 
  01/01/2010    to  12/31/2010        8.866651          9.757837      4,823,543.6578 
============   ==== ==========       =========         =========      ============== 
 AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS C)                                           
  04/28/2008    to  12/31/2008       10.037916          8.921633         21,238.3849 
  01/01/2009    to  12/31/2009        8.921633          9.814869        219,147.7500 
  01/01/2010    to  12/31/2010        9.814869         10.217690        396,462.3574 
============   ==== ==========       =========         =========      ============== 
 AMERICAN FUNDS GROWTH ALLOCATION SUB-ACCOUNT (CLASS C)                              
  04/28/2008    to  12/31/2008        9.997918          6.337908      1,368,686.0602 
  01/01/2009    to  12/31/2009        6.337908          8.335439      2,931,775.0100 
  01/01/2010    to  12/31/2010        8.335439          9.281394      3,100,472.0845 
============   ==== ==========       =========         =========      ============== 
 AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS C)                                         
  04/28/2008    to  12/31/2008        9.987918          5.739826        128,522.1693 
  01/01/2009    to  12/31/2009        5.739826          7.821959        594,452.5700 
  01/01/2010    to  12/31/2010        7.821959          9.081346        872,697.2723 
============   ==== ==========       =========         =========      ============== 
 AMERICAN FUNDS INTERNATIONAL SUB-ACCOUNT (CLASS C)                                  
  04/28/2008    to  12/31/2008       10.087913          6.034090         63,667.9142 
  01/01/2009    to  12/31/2009        6.034090          8.440167        316,541.3900 
  01/01/2010    to  12/31/2010        8.440167          8.852245        531,694.2403 
============   ==== ==========       =========         =========      ============== 
 AMERICAN FUNDS MODERATE ALLOCATION SUB-ACCOUNT (CLASS C)                            
  04/28/2008    to  12/31/2008       10.017917          7.658954        560,291.9481 
  01/01/2009    to  12/31/2009        7.658954          9.273025      1,828,678.4200 
  01/01/2010    to  12/31/2010        9.273025          9.999953      2,891,964.5242 
============   ==== ==========       =========         =========      ============== 
 BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                          
  04/28/2008    to  12/31/2008       15.860568         11.824810         15,145.7524 
  01/01/2009    to  12/31/2009       11.824810         17.014752         77,394.4900 
  01/01/2010    to  12/31/2010       17.014752         19.327799        157,202.9998 
============   ==== ==========       =========         =========      ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.90% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                        NUMBER OF    
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT     UNIT VALUE AT         UNITS      
                                   BEGINNING OF         END OF        OUTSTANDING AT 
                                      PERIOD            PERIOD        END OF PERIOD  
                                 ---------------   ---------------  -----------------
                                                                                     
 CLARION GLOBAL REAL ESTATE SUB-ACCOUNT (CLASS B)                                    
  05/01/2004    to  12/31/2004        9.998438         12.790697        448,931.1752 
  01/01/2005    to  12/31/2005       12.790697         14.218141        457,667.2761 
  01/01/2006    to  12/31/2006       14.218141         19.194490        706,727.4837 
  01/01/2007    to  12/31/2007       19.194490         16.005296        838,701.4795 
  01/01/2008    to  12/31/2008       16.005296          9.158910      1,032,932.1722 
  01/01/2009    to  12/31/2009        9.158910         12.107964      1,154,341.3400 
  01/01/2010    to  12/31/2010       12.107964         13.793766      1,196,279.0948 
============   ==== ==========      ==========        ==========      ============== 
 GOLDMAN SACHS MID CAP VALUE SUB-ACCOUNT (CLASS B)                                   
  05/01/2004    to  12/31/2004        9.998438         11.931716        465,390.7868 
  01/01/2005    to  12/31/2005       11.931716         13.175555        638,172.2854 
  01/01/2006    to  12/31/2006       13.175555         14.956929        796,969.2487 
  01/01/2007    to  12/31/2007       14.956929         15.128293        787,469.3823 
  01/01/2008    to  12/31/2008       15.128293          9.487967        679,650.2546 
  01/01/2009    to  12/31/2009        9.487967         12.316594        617,685.5400 
  01/01/2010    to  12/31/2010       12.316594         15.013427        615,066.1835 
============   ==== ==========      ==========        ==========      ============== 
 HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                  
  05/01/2003    to  12/31/2003        8.683960         11.625277      1,067,394.2768 
  01/01/2004    to  12/31/2004       11.625277         13.746952      1,667,703.1943 
  01/01/2005    to  12/31/2005       13.746952         15.409353      1,282,258.0943 
  01/01/2006    to  12/31/2006       15.409353         19.482154      1,443,863.0159 
  01/01/2007    to  12/31/2007       19.482154         18.899669      1,449,336.1099 
  01/01/2008    to  12/31/2008       18.899669         10.961554      1,210,140.8323 
  01/01/2009    to  12/31/2009       10.961554         16.677336      1,170,926.5200 
  01/01/2010    to  12/31/2010       16.677336         19.050574      1,229,062.6985 
============   ==== ==========      ==========        ==========      ============== 
 INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                      
  (FORMERLY MET/AIM SMALL CAP GROWTH SUB-ACCOUNT (CLASS B))                          
  05/01/2003    to  12/31/2003        8.639989         11.473990        754,676.3210 
  01/01/2004    to  12/31/2004       11.473990         11.981598      1,280,199.2526 
  01/01/2005    to  12/31/2005       11.981598         12.728544        820,853.3167 
  01/01/2006    to  12/31/2006       12.728544         14.260960        740,367.1024 
  01/01/2007    to  12/31/2007       14.260960         15.540130        658,878.2034 
  01/01/2008    to  12/31/2008       15.540130          9.341736        598,018.7953 
  01/01/2009    to  12/31/2009        9.341736         12.265817        575,330.3900 
  01/01/2010    to  12/31/2010       12.265817         15.186300        527,057.1915 
============   ==== ==========      ==========        ==========      ============== 
 JANUS FORTY SUB-ACCOUNT (CLASS B)                                                   
  05/03/2010    to  12/31/2010      131.356334        134.638716          4,454.1497 
============   ==== ==========      ==========        ==========      ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.90% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF    
                                   ACCUMULATION      ACCUMULATION       ACCUMULATION  
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS      
                                   BEGINNING OF         END OF         OUTSTANDING AT 
                                      PERIOD            PERIOD         END OF PERIOD  
                                 ---------------   ---------------   -----------------
                                                                                      
 LAZARD MID CAP SUB-ACCOUNT (CLASS B)                                                 
  05/01/2003    to  12/31/2003        9.653416         11.893317         828,392.8204 
  01/01/2004    to  12/31/2004       11.893317         13.349490         765,475.6868 
  01/01/2005    to  12/31/2005       13.349490         14.154574         603,413.4304 
  01/01/2006    to  12/31/2006       14.154574         15.927114         560,292.1986 
  01/01/2007    to  12/31/2007       15.927114         15.202206         776,179.4275 
  01/01/2008    to  12/31/2008       15.202206          9.202464         859,127.6895 
  01/01/2009    to  12/31/2009        9.202464         12.348579         862,876.0700 
  01/01/2010    to  12/31/2010       12.348579         14.886019         837,887.9147 
============   ==== ==========       =========         =========       ============== 
 LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                       
  (FORMERLY LEGG MASON PARTNERS AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))              
  05/01/2003    to  12/31/2003        5.448004          6.620031       1,802,196.0562 
  01/01/2004    to  12/31/2004        6.620031          7.043338       1,923,348.2733 
  01/01/2005    to  12/31/2005        7.043338          7.849430       1,230,788.4022 
  01/01/2006    to  12/31/2006        7.849430          7.568189       1,135,831.0174 
  01/01/2007    to  12/31/2007        7.568189          7.593294       1,049,433.6246 
  01/01/2008    to  12/31/2008        7.593294          4.540528         922,134.6950 
  01/01/2009    to  12/31/2009        4.540528          5.923534         908,753.1900 
  01/01/2010    to  12/31/2010        5.923534          7.194651         876,083.0246 
============   ==== ==========       =========         =========       ============== 
 LEGG MASON VALUE EQUITY SUB-ACCOUNT (CLASS B)                                        
  11/07/2005    to  12/31/2005       10.246282         10.616793          14,518.9346 
  01/01/2006    to  12/31/2006       10.616793         11.103240         778,942.9631 
  01/01/2007    to  12/31/2007       11.103240         10.249680         927,582.9383 
  01/01/2008    to  12/31/2008       10.249680          4.563760         808,067.6676 
  01/01/2009    to  12/31/2009        4.563760          6.178104         826,513.6400 
  01/01/2010    to  12/31/2010        6.178104          6.506516         802,120.6085 
============   ==== ==========       =========         =========       ============== 
 LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                   
  05/01/2006    to  12/31/2006        9.988438         10.304828          24,678.2581 
  01/01/2007    to  12/31/2007       10.304828         12.925932         226,717.8612 
  01/01/2008    to  12/31/2008       12.925932          7.702959         346,834.6688 
  01/01/2009    to  12/31/2009        7.702959         10.643023         345,937.2900 
  01/01/2010    to  12/31/2010       10.643023         12.741635         417,777.4201 
============   ==== ==========       =========         =========       ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                         1.90% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF     
                                   ACCUMULATION      ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS       
                                   BEGINNING OF         END OF         OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD   
                                 ---------------   ---------------  -------------------
                                                                                       
 LORD ABBETT BOND DEBENTURE SUB-ACCOUNT (CLASS B)                                      
  05/01/2003    to  12/31/2003       14.542867         15.881558        1,711,235.4675 
  01/01/2004    to  12/31/2004       15.881558         16.854422        1,700,183.8269 
  01/01/2005    to  12/31/2005       16.854422         16.785051        1,126,430.5272 
  01/01/2006    to  12/31/2006       16.785051         17.976644        1,086,758.7958 
  01/01/2007    to  12/31/2007       17.976644         18.791730        1,042,212.6471 
  01/01/2008    to  12/31/2008       18.791730         15.007127          810,719.3162 
  01/01/2009    to  12/31/2009       15.007127         20.139535          715,187.3100 
  01/01/2010    to  12/31/2010       20.139535         22.322745          670,642.2883 
============   ==== ==========       =========         =========        ============== 
 LORD ABBETT GROWTH AND INCOME SUB-ACCOUNT (CLASS B)                                   
  05/01/2003    to  12/31/2003       34.192095         42.490294        1,028,814.3410 
  01/01/2004    to  12/31/2004       42.490294         46.960946        1,127,359.5546 
  01/01/2005    to  12/31/2005       46.960946         47.642491          838,033.3523 
  01/01/2006    to  12/31/2006       47.642491         55.062455          832,858.1777 
  01/01/2007    to  12/31/2007       55.062455         56.030982          787,206.9374 
  01/01/2008    to  12/31/2008       56.030982         35.000443          743,454.8873 
  01/01/2009    to  12/31/2009       35.000443         40.658099          726,750.6900 
  01/01/2010    to  12/31/2010       40.658099         46.682755          675,431.4776 
============   ==== ==========       =========         =========        ============== 
 MET/EATON VANCE FLOATING RATE SUB-ACCOUNT (CLASS B)                                   
  05/03/2010    to  12/31/2010        9.997397         10.188191           49,027.1917 
============   ==== ==========       =========         =========        ============== 
 LORD ABBETT MID CAP VALUE SUB-ACCOUNT (CLASS B)                                       
  04/28/2008    to  12/31/2008       23.873923         15.676272          387,389.9873 
  01/01/2009    to  12/31/2009       15.676272         19.462534          495,079.9700 
  01/01/2010    to  12/31/2010       19.462534         23.971421          500,558.9013 
============   ==== ==========       =========         =========        ============== 
 MET/FRANKLIN MUTUAL SHARES SUB-ACCOUNT (CLASS B)                                      
  04/28/2008    to  12/31/2008        9.997918          6.577412           36,972.9255 
  01/01/2009    to  12/31/2009        6.577412          8.059563          171,710.3600 
  01/01/2010    to  12/31/2010        8.059563          8.779668          285,582.1238 
============   ==== ==========       =========         =========        ============== 
 MET/FRANKLIN TEMPLETON FOUNDING STRATEGY SUB-ACCOUNT (CLASS B)                        
  04/28/2008    to  12/31/2008        9.997918          7.009436          163,700.2002 
  01/01/2009    to  12/31/2009        7.009436          8.841161          551,098.4600 
  01/01/2010    to  12/31/2010        8.841161          9.546299          711,927.2036 
============   ==== ==========       =========         =========        ============== 
 MET/PUTNAM RESEARCH SUB-ACCOUNT (CLASS B)                                             
  05/01/2003    to  12/31/2003        6.358161          7.615832          491,229.4686 
  01/01/2004    to  11/19/2004        7.615832          7.789155          628,014.4597 
============   ==== ==========       =========         =========        ============== 
 MET/TEMPLETON INTERNATIONAL BOND SUB-ACCOUNT (CLASS B)                                
  05/04/2009    to  12/31/2009        9.997918         10.860673           12,894.3000 
  01/01/2010    to  12/31/2010       10.860673         12.099496           42,193.3755 
============   ==== ==========       =========         =========        ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.90% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF    
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS      
                                   BEGINNING OF         END OF        OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD  
                                 ---------------   ---------------  ------------------
                                                                                      
 MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                          
  05/01/2006    to  12/31/2006        9.988438         10.443386          61,894.0304 
  01/01/2007    to  12/31/2007       10.443386         13.997877         201,857.8366 
  01/01/2008    to  12/31/2008       13.997877          6.107034       1,300,719.6577 
  01/01/2009    to  12/31/2009        6.107034         10.123524       1,462,628.7900 
  01/01/2010    to  12/31/2010       10.123524         12.282999       1,786,338.1089 
============   ==== ==========       =========         =========       ============== 
 MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                           
  05/01/2003    to  12/31/2003        7.257269          9.360152         668,332.2299 
  01/01/2004    to  12/31/2004        9.360152         10.979856       1,371,702.0629 
  01/01/2005    to  12/31/2005       10.979856         12.543118       1,048,425.7713 
  01/01/2006    to  12/31/2006       12.543118         15.577096       1,324,091.3409 
  01/01/2007    to  12/31/2007       15.577096         17.313567       1,552,782.6006 
  01/01/2008    to  12/31/2008       17.313567          9.790126       1,860,865.9098 
  01/01/2009    to  12/31/2009        9.790126         12.638051       1,831,273.0100 
  01/01/2010    to  12/31/2010       12.638051         13.814584       1,852,657.4975 
============   ==== ==========       =========         =========       ============== 
 OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B)                               
  05/01/2003    to  12/31/2003        6.476827          7.854290       3,492,160.9173 
  01/01/2004    to  12/31/2004        7.854290          8.199570       4,131,977.5777 
  01/01/2005    to  12/31/2005        8.199570          8.424977       2,949,553.7719 
  01/01/2006    to  12/31/2006        8.424977          8.896428       2,832,565.6219 
  01/01/2007    to  12/31/2007        8.896428          9.975273       2,475,304.2300 
  01/01/2008    to  12/31/2008        9.975273          5.290726       2,165,339.9010 
  01/01/2009    to  12/31/2009        5.290726          7.459833       1,922,818.3800 
  01/01/2010    to  12/31/2010        7.459833          8.007296       1,691,155.4967 
============   ==== ==========       =========         =========       ============== 
 PIMCO INFLATION PROTECTED BOND SUB-ACCOUNT (CLASS B)                                 
  05/01/2003    to  12/31/2003       10.000000         10.401088       1,548,238.9531 
  01/01/2004    to  12/31/2004       10.401088         11.124393       2,348,867.5763 
  01/01/2005    to  12/31/2005       11.124393         11.067004       1,872,092.1192 
  01/01/2006    to  12/31/2006       11.067004         10.901283       1,987,044.5726 
  01/01/2007    to  12/31/2007       10.901283         11.849895       2,236,803.2418 
  01/01/2008    to  12/31/2008       11.849895         10.825292       2,714,510.4740 
  01/01/2009    to  12/31/2009       10.825292         12.538680       2,750,405.7900 
  01/01/2010    to  12/31/2010       12.538680         13.257567       2,994,793.5010 
============   ==== ==========       =========         =========       ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                         1.90% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF     
                                   ACCUMULATION      ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS       
                                   BEGINNING OF         END OF         OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD   
                                 ---------------   ---------------  -------------------
                                                                                       
 PIMCO TOTAL RETURN SUB-ACCOUNT (CLASS B)                                              
  05/01/2003    to  12/31/2003       11.491153         11.518393        2,164,984.1662 
  01/01/2004    to  12/31/2004       11.518393         11.863917        2,064,108.2669 
  01/01/2005    to  12/31/2005       11.863917         11.902882        1,662,486.0267 
  01/01/2006    to  12/31/2006       11.902882         12.207117        2,342,787.3303 
  01/01/2007    to  12/31/2007       12.207117         12.882116        3,224,156.4153 
  01/01/2008    to  12/31/2008       12.882116         12.690839        3,616,771.0148 
  01/01/2009    to  12/31/2009       12.690839         14.697007        4,246,494.4100 
  01/01/2010    to  12/31/2010       14.697007         15.598687        4,921,326.1826 
============   ==== ==========       =========         =========        ============== 
 PIONEER FUND SUB-ACCOUNT (CLASS B)                                                    
  05/04/2009    to  12/31/2009       12.413929         15.168928            8,757.5200 
  01/01/2010    to  12/31/2010       15.168928         17.254736           20,247.1606 
============   ==== ==========       =========         =========        ============== 
 PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS E)                                        
  05/03/2010    to  12/31/2010       11.712733         12.262151          186,996.9260 
============   ==== ==========       =========         =========        ============== 
 RAINIER LARGE CAP EQUITY SUB-ACCOUNT (CLASS B)                                        
  11/12/2007    to  12/31/2007        9.563975          9.975512           35,042.6801 
  01/01/2008    to  12/31/2008        9.975512          5.695473           75,802.4502 
  01/01/2009    to  12/31/2009        5.695473          6.887615           93,043.7700 
  01/01/2010    to  12/31/2010        6.887615          7.797745          140,136.7396 
============   ==== ==========       =========         =========        ============== 
 RCM TECHNOLOGY SUB-ACCOUNT (CLASS B)                                                  
  05/01/2003    to  12/31/2003        3.270487          4.536216          786,150.0851 
  01/01/2004    to  12/31/2004        4.536216          4.258682        1,231,242.5910 
  01/01/2005    to  12/31/2005        4.258682          4.639082          948,466.6679 
  01/01/2006    to  12/31/2006        4.639082          4.795367          870,261.8653 
  01/01/2007    to  12/31/2007        4.795367          6.187776          868,987.5489 
  01/01/2008    to  12/31/2008        6.187776          3.372242          691,949.8158 
  01/01/2009    to  12/31/2009        3.372242          5.260154          717,141.5200 
  01/01/2010    to  12/31/2010        5.260154          6.590395          755,137.9379 
============   ==== ==========       =========         =========        ============== 
 SSGA GROWTH AND INCOME ETF SUB-ACCOUNT (CLASS B)                                      
  11/10/2008    to  12/31/2008        8.275322          8.432790            8,450.5884 
  01/01/2009    to  12/31/2009        8.432790         10.333272          372,386.6900 
  01/01/2010    to  12/31/2010       10.333272         11.379782        1,137,189.5583 
============   ==== ==========       =========         =========        ============== 
 SSGA GROWTH ETF SUB-ACCOUNT (CLASS B)                                                 
  11/10/2008    to  12/31/2008        7.662185          7.731167            4,983.1147 
  01/01/2009    to  12/31/2009        7.731167          9.793025          230,591.4000 
  01/01/2010    to  12/31/2010        9.793025         10.968848          533,364.7483 
============   ==== ==========       =========         =========        ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                         1.90% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF     
                                   ACCUMULATION      ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS       
                                   BEGINNING OF         END OF         OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD   
                                 ---------------   ---------------  -------------------
                                                                                       
 T. ROWE PRICE MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                    
  05/01/2003    to  12/31/2003        4.708135          6.039673        2,197,630.1348 
  01/01/2004    to  12/31/2004        6.039673          6.981901        1,971,653.9916 
  01/01/2005    to  12/31/2005        6.981901          7.852952        1,749,537.6740 
  01/01/2006    to  12/31/2006        7.852952          8.180513        1,877,045.2415 
  01/01/2007    to  12/31/2007        8.180513          9.441318        1,687,942.5475 
  01/01/2008    to  12/31/2008        9.441318          5.580999        1,581,354.0428 
  01/01/2009    to  12/31/2009        5.580999          7.966011        1,735,952.8900 
  01/01/2010    to  12/31/2010        7.966011          9.979980        1,901,190.0442 
============   ==== ==========       =========         =========        ============== 
 THIRD AVENUE SMALL CAP VALUE SUB-ACCOUNT (CLASS B)                                    
  05/01/2003    to  12/31/2003        8.429221         11.385490        1,287,783.9731 
  01/01/2004    to  12/31/2004       11.385490         14.131572        1,715,706.2330 
  01/01/2005    to  12/31/2005       14.131572         16.012689        1,610,231.6767 
  01/01/2006    to  12/31/2006       16.012689         17.775216        1,771,398.0074 
  01/01/2007    to  12/31/2007       17.775216         16.911972        1,570,748.0957 
  01/01/2008    to  12/31/2008       16.911972         11.644231        1,420,010.1661 
  01/01/2009    to  12/31/2009       11.644231         14.447080        1,421,514.0300 
  01/01/2010    to  12/31/2010       14.447080         16.995902        1,385,790.3624 
============   ==== ==========       =========         =========        ============== 
 TURNER MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                           
  05/01/2004    to  12/31/2004        9.998438         11.077804          425,828.7454 
  01/01/2005    to  12/31/2005       11.077804         12.104461          252,330.7747 
  01/01/2006    to  12/31/2006       12.104461         12.598415          414,552.4863 
  01/01/2007    to  12/31/2007       12.598415         15.344884          405,066.0009 
  01/01/2008    to  12/31/2008       15.344884          7.783610          399,907.8934 
  01/01/2009    to  12/31/2009        7.783610         11.239190          428,032.5400 
  01/01/2010    to  12/31/2010       11.239190         14.023333          451,660.0464 
============   ==== ==========       =========         =========        ============== 
 VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B)                                             
  05/01/2005    to  12/31/2005        9.998438         10.440811           81,993.7821 
  01/01/2006    to  12/31/2006       10.440811         11.889440          287,564.3432 
  01/01/2007    to  12/31/2007       11.889440         11.373762          619,909.5147 
  01/01/2008    to  12/31/2008       11.373762          7.151498          777,925.3716 
  01/01/2009    to  12/31/2009        7.151498          8.882604        1,218,858.0100 
  01/01/2010    to  12/31/2010        8.882604         10.012092        1,238,932.9527 
============   ==== ==========       =========         =========        ============== 
 METROPOLITAN SERIES FUND, INC.                                                        
 BARCLAYS CAPITAL AGGREGATE BOND INDEX SUB-ACCOUNT (CLASS G)                           
  05/04/2009    to  12/31/2009       13.680406         14.113833           23,126.3300 
  01/01/2010    to  12/31/2010       14.113833         14.630748           86,567.8353 
============   ==== ==========       =========         =========        ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.90% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF    
                                   ACCUMULATION      ACCUMULATION       ACCUMULATION  
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS      
                                   BEGINNING OF         END OF         OUTSTANDING AT 
                                      PERIOD            PERIOD         END OF PERIOD  
                                 ---------------   ---------------   -----------------
                                                                                      
 BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                         
  05/01/2005    to  12/31/2005        9.759123          9.829323         745,305.1838 
  01/01/2006    to  12/31/2006        9.829323         10.083779         959,252.7544 
  01/01/2007    to  12/31/2007       10.083779         10.369277       2,552,182.5580 
  01/01/2008    to  12/31/2008       10.369277         10.438029       3,598,289.2836 
  01/01/2009    to  12/31/2009       10.438029         10.267507       2,473,849.9300 
  01/01/2010    to  12/31/2010       10.267507         10.074259       1,780,190.5077 
============   ==== ==========       =========         =========       ============== 
 BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                         
  (FORMERLY MET INVESTORS SERIES TRUST - MONEY MARKET SUB-ACCOUNT (CLASS B))          
  05/01/2003    to  12/31/2003        9.990594          9.887065         754,276.1323 
  01/01/2004    to  12/31/2004        9.887065          9.762689         569,937.6104 
  01/01/2005    to  04/30/2005        9.762689          9.759537           3,293.9145 
============   ==== ==========       =========         =========       ============== 
 DAVIS VENTURE VALUE SUB-ACCOUNT (CLASS E)                                            
  05/01/2003    to  12/31/2003        8.466410         10.625867       2,611,291.2113 
  01/01/2004    to  12/31/2004       10.625867         11.691186       3,771,622.5577 
  01/01/2005    to  12/31/2005       11.691186         12.634573       2,990,969.8038 
  01/01/2006    to  12/31/2006       12.634573         14.183373       2,926,032.1850 
  01/01/2007    to  12/31/2007       14.183373         14.531708       2,645,006.5433 
  01/01/2008    to  12/31/2008       14.531708          8.631580       2,438,465.2348 
  01/01/2009    to  12/31/2009        8.631580         11.164658       2,337,369.1200 
  01/01/2010    to  12/31/2010       11.164658         12.249141       2,181,034.6373 
============   ==== ==========       =========         =========       ============== 
 JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                                
  05/01/2003    to  12/31/2003        8.028934          9.674439       1,172,461.3599 
  01/01/2004    to  12/31/2004        9.674439         10.340233       1,645,901.3429 
  01/01/2005    to  12/31/2005       10.340233         11.519694       1,126,690.4531 
  01/01/2006    to  12/31/2006       11.519694         11.588731       1,222,537.2190 
  01/01/2007    to  12/31/2007       11.588731         12.664321       1,152,722.9121 
  01/01/2008    to  12/31/2008       12.664321          7.884117       1,205,306.5843 
  01/01/2009    to  12/31/2009        7.884117         10.796267       1,267,227.0800 
  01/01/2010    to  12/31/2010       10.796267         11.791672       1,209,148.2077 
============   ==== ==========       =========         =========       ============== 
 MET/ARTISAN MID CAP VALUE SUB-ACCOUNT (CLASS B)                                      
  05/01/2003    to  12/31/2003       10.824616         13.787013       2,059,838.4388 
  01/01/2004    to  12/31/2004       13.787013         14.832557       2,192,766.3823 
  01/01/2005    to  12/31/2005       14.832557         15.967065       1,837,384.5287 
  01/01/2006    to  12/31/2006       15.967065         17.574617       1,664,990.4354 
  01/01/2007    to  12/31/2007       17.574617         16.022131       1,327,881.8231 
  01/01/2008    to  12/31/2008       16.022131          8.467499       1,203,861.5748 
  01/01/2009    to  12/31/2009        8.467499         11.730917       1,088,931.6500 
  01/01/2010    to  12/31/2010       11.730917         13.209181         964,994.9224 
============   ==== ==========       =========         =========       ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.90% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF    
                                   ACCUMULATION      ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS      
                                   BEGINNING OF         END OF        OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD  
                                 ---------------   ---------------  ------------------
                                                                                      
 MET/DIMENSIONAL INTERNATIONAL SMALL COMPANY SUB-ACCOUNT (CLASS B)                    
  11/10/2008    to  12/31/2008       10.064240         10.127304               0.0000 
  01/01/2009    to  12/31/2009       10.127304         14.181330          32,349.2700 
  01/01/2010    to  12/31/2010       14.181330         17.057883          39,887.9809 
============   ==== ==========       =========         =========       ============== 
 METLIFE MID CAP STOCK INDEX SUB-ACCOUNT (CLASS G)                                    
  05/04/2009    to  12/31/2009       10.601666         13.171307           3,848.9200 
  01/01/2010    to  12/31/2010       13.171307         16.273172          28,657.9125 
============   ==== ==========       =========         =========       ============== 
 METLIFE STOCK INDEX SUB-ACCOUNT (CLASS B)                                            
  05/01/2003    to  12/31/2003        8.560748         10.337295         662,457.2601 
  01/01/2004    to  12/31/2004       10.337295         11.184770       1,062,486.9123 
  01/01/2005    to  12/31/2005       11.184770         11.455096         948,385.9606 
  01/01/2006    to  12/31/2006       11.455096         12.947028         927,907.6398 
  01/01/2007    to  12/31/2007       12.947028         13.333947         811,550.3591 
  01/01/2008    to  12/31/2008       13.333947          8.207703         713,686.1818 
  01/01/2009    to  12/31/2009        8.207703         10.140674         666,656.4900 
  01/01/2010    to  12/31/2010       10.140674         11.391722         680,454.5945 
============   ==== ==========       =========         =========       ============== 
 MORGAN STANLEY EAFE (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                            
  05/04/2009    to  12/31/2009        8.756520         11.246923          25,126.9000 
  01/01/2010    to  12/31/2010       11.246923         11.892205          64,189.2644 
============   ==== ==========       =========         =========       ============== 
 RUSSELL 2000 (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                                   
  05/04/2009    to  12/31/2009       10.854595         13.316341           8,709.3500 
  01/01/2010    to  12/31/2010       13.316341         16.534381          46,673.8379 
============   ==== ==========       =========         =========       ============== 
 VAN ECK GLOBAL NATURAL RESOURCES SUB-ACCOUNT (CLASS B)                               
  05/04/2009    to  12/31/2009       11.597882         14.700819          23,852.8200 
  01/01/2010    to  12/31/2010       14.700819         18.610935          68,757.1328 
============   ==== ==========       =========         =========       ============== 
 WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                       
  05/01/2005    to  12/31/2005       14.993974         14.929039          18,584.4022 
  01/01/2006    to  12/31/2006       14.929039         15.222294         106,625.8664 
  01/01/2007    to  12/31/2007       15.222294         15.536642         140,960.3651 
  01/01/2008    to  12/31/2008       15.536642         15.162330         179,344.5048 
  01/01/2009    to  12/31/2009       15.162330         15.484010         198,771.0800 
  01/01/2010    to  12/31/2010       15.484010         16.027078         214,528.5420 
============   ==== ==========       =========         =========       ============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                         1.90% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF     
                                   ACCUMULATION      ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS       
                                   BEGINNING OF         END OF         OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD   
                                 ---------------   ---------------  -------------------
                                                                                       
 MET INVESTORS SERIES TRUST - METLIFE ASSET ALLOCATION PROGRAM                         
 METLIFE AGGRESSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                     
  11/22/2004    to  12/31/2004       10.299826         10.683074        1,069,672.4010 
  01/01/2005    to  12/31/2005       10.683074         11.570684        3,214,740.0473 
  01/01/2006    to  12/31/2006       11.570684         12.903002        4,398,997.4450 
  01/01/2007    to  12/31/2007       12.903002         13.024293        4,667,961.0060 
  01/01/2008    to  12/31/2008       13.024293          7.562984        3,454,855.6278 
  01/01/2009    to  12/31/2009        7.562984          9.843201        3,062,483.7900 
  01/01/2010    to  12/31/2010        9.843201         11.251762        3,024,990.1784 
============   ==== ==========       =========         =========       =============== 
 METLIFE BALANCED STRATEGY SUB-ACCOUNT (CLASS B)                                       
  11/22/2004    to  12/31/2004       10.100015         10.387206        8,807,823.5290 
  01/01/2005    to  12/31/2005       10.387206         10.918136       17,721,069.7741 
  01/01/2006    to  12/31/2006       10.918136         11.996419       24,085,573.8268 
  01/01/2007    to  12/31/2007       11.996419         12.344089       25,810,255.4351 
  01/01/2008    to  12/31/2008       12.344089          8.243149       22,472,965.6791 
  01/01/2009    to  12/31/2009        8.243149         10.379836       23,080,724.8300 
  01/01/2010    to  12/31/2010       10.379836         11.568201       23,789,764.4591 
============   ==== ==========       =========         =========       =============== 
 METLIFE DEFENSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                      
  11/22/2004    to  12/31/2004        9.940166         10.103473          586,448.2435 
  01/01/2005    to  12/31/2005       10.103473         10.357964        1,408,916.6816 
  01/01/2006    to  12/31/2006       10.357964         11.040211        2,194,364.1670 
  01/01/2007    to  12/31/2007       11.040211         11.472478        2,881,371.6356 
  01/01/2008    to  12/31/2008       11.472478          8.931449        5,099,553.2363 
  01/01/2009    to  12/31/2009        8.931449         10.770887        5,638,102.8500 
  01/01/2010    to  12/31/2010       10.770887         11.720442        6,056,174.3935 
============   ==== ==========       =========         =========       =============== 
 METLIFE GROWTH STRATEGY SUB-ACCOUNT (CLASS B)                                         
  11/22/2004    to  12/31/2004       10.239883         10.598018        5,966,809.4160 
  01/01/2005    to  12/31/2005       10.598018         11.348007       14,686,703.6966 
  01/01/2006    to  12/31/2006       11.348007         12.648785       23,609,063.4459 
  01/01/2007    to  12/31/2007       12.648785         12.993010       30,109,928.2965 
  01/01/2008    to  12/31/2008       12.993010          7.920380       27,654,881.5165 
  01/01/2009    to  12/31/2009        7.920380         10.110345       26,569,204.9200 
  01/01/2010    to  12/31/2010       10.110345         11.456775       24,544,073.4816 
============   ==== ==========       =========         =========       =============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                         1.90% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                         NUMBER OF     
                                   ACCUMULATION      ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT     UNIT VALUE AT          UNITS       
                                   BEGINNING OF         END OF         OUTSTANDING AT  
                                      PERIOD            PERIOD         END OF PERIOD   
                                 ---------------   ---------------  -------------------
                                                                                       
 METLIFE MODERATE STRATEGY SUB-ACCOUNT (CLASS B)                                       
  11/22/2004    to  12/31/2004       10.010099         10.223628        2,954,333.1140 
  01/01/2005    to  12/31/2005       10.223628         10.614857        6,636,215.7766 
  01/01/2006    to  12/31/2006       10.614857         11.481355        8,463,388.9588 
  01/01/2007    to  12/31/2007       11.481355         11.963296       10,373,135.2116 
  01/01/2008    to  12/31/2008       11.963296          8.636307       10,424,759.4122 
  01/01/2009    to  12/31/2009        8.636307         10.684293       11,021,715.7200 
  01/01/2010    to  12/31/2010       10.684293         11.783178       11,561,635.3415 
============   ==== ==========       =========         =========       =============== 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

DISCONTINUED INVESTMENT PORTFOLIOS. The following investment portfolio is no    
longer available for allocations of new purchase payments or transfers of       
account value (excluding rebalancing and dollar cost averaging programs in      
existence at the time of closing): Met Investors Series Trust: Oppenheimer      
Capital Appreciation Portfolio (Class B) (closed effective November 12, 2007).  

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

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

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APPENDIX B                                                                      

PARTICIPATING INVESTMENT PORTFOLIOS                                             

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

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

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

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

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

INVESTMENT OBJECTIVE: The American Funds (Reg. TM) Bond Portfolio seeks to      
maximize current income and preserve capital.                                   

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

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

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

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

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

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

BLACKROCK HIGH YIELD PORTFOLIO                                                  

SUBADVISER: BlackRock Financial Management, Inc.                                

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

CLARION GLOBAL REAL ESTATE PORTFOLIO                                            

SUBADVISER: ING Clarion Real Estate Securities LLC                              

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

GOLDMAN SACHS MID CAP VALUE PORTFOLIO                                           

SUBADVISER: Goldman Sachs Asset Management, L.P.                                

INVESTMENT OBJECTIVE: The Goldman Sachs Mid Cap Value Portfolio seeks long-term 
capital appreciation.                                                           

HARRIS OAKMARK INTERNATIONAL PORTFOLIO                                          

SUBADVISER: Harris Associates L.P.                                              

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

INVESCO SMALL CAP GROWTH PORTFOLIO                                              

SUBADVISER: Invesco Advisers, Inc.                                              

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

JANUS FORTY PORTFOLIO                                                           

SUBADVISER: Janus Capital Management LLC                                        

INVESTMENT OBJECTIVE: The Janus Forty Portfolio seeks capital appreciation.     

LAZARD MID CAP PORTFOLIO                                                        

SUBADVISER: Lazard Asset Management LLC                                         

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

LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH PORTFOLIO                              

SUBADVISER: ClearBridge Advisors, LLC                                           

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

LOOMIS SAYLES GLOBAL MARKETS PORTFOLIO                                          

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

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

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LORD ABBETT BOND DEBENTURE PORTFOLIO                                            

SUBADVISER: Lord, Abbett & Co. LLC                                              

INVESTMENT OBJECTIVE: The Lord Abbett Bond Debenture Portfolio seeks high       
current income and the opportunity for capital appreciation to produce a high   
total return.                                                                   

LORD ABBETT MID CAP VALUE PORTFOLIO                                             

SUBADVISER: Lord, Abbett & Co. LLC                                              

INVESTMENT OBJECTIVE: The Lord Abbett Mid Cap Value Portfolio seeks capital     
appreciation through investments, primarily in equity securities which are      
believed to be undervalued in the marketplace.                                  

MET/EATON VANCE FLOATING RATE PORTFOLIO                                         

SUBADVISER: Eaton Vance Management                                              

INVESTMENT OBJECTIVE: The Met/Eaton Vance Floating Rate Portfolio seeks a high  
level of current income.                                                        

MET/FRANKLIN LOW DURATION TOTAL RETURN PORTFOLIO                                

SUBADVISER: Franklin Advisers, Inc.                                             

INVESTMENT OBJECTIVE: The Met/Franklin Low Duration Total Return Portfolio      
seeks a high level of current income, while seeking preservation of             
shareholders' capital.                                                          

MET/FRANKLIN MUTUAL SHARES PORTFOLIO                                            

SUBADVISER: Franklin Mutual Advisers, LLC                                       

INVESTMENT OBJECTIVE: The Met/Franklin Mutual Shares Portfolio seeks capital    
appreciation, which may occasionally be short-term. The portfolio's secondary   
investment objective is income.                                                 

MET/TEMPLETON INTERNATIONAL BOND PORTFOLIO*                                     

SUBADVISER: Franklin Advisers, Inc.                                             

INVESTMENT OBJECTIVE: The Met/Templeton International Bond Portfolio seeks      
current income with capital appreciation and growth of income.                  

MFS (Reg. TM) EMERGING MARKETS EQUITY PORTFOLIO                                 

SUBADVISER: Massachusetts Financial Services Company                            

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

MFS (Reg. TM) RESEARCH INTERNATIONAL PORTFOLIO                                  

SUBADVISER: Massachusetts Financial Services Company                            

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

PIMCO INFLATION PROTECTED BOND PORTFOLIO                                        

SUBADVISER: Pacific Investment Management Company LLC                           

INVESTMENT OBJECTIVE: The PIMCO Inflation Protected Bond Portfolio seeks        
maximum real return, consistent with preservation of capital and prudent        
investment management.                                                          

PIMCO TOTAL RETURN PORTFOLIO                                                    

SUBADVISER: Pacific Investment Management Company LLC                           

INVESTMENT OBJECTIVE: The PIMCO Total Return Portfolio seeks maximum total      
return, consistent with the preservation of capital and prudent investment      
management.                                                                     

PIONEER FUND PORTFOLIO                                                          

SUBADVISER: Pioneer Investment Management, Inc.                                 

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

PIONEER STRATEGIC INCOME PORTFOLIO (CLASS E)                                    

SUBADVISER: Pioneer Investment Management, Inc.                                 

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

RAINIER LARGE CAP EQUITY PORTFOLIO                                              

SUBADVISER: Rainier Investment Management, Inc.                                 

INVESTMENT OBJECTIVE: The Rainier Large Cap Equity Portfolio seeks to maximize  
long-term capital appreciation.                                                 

RCM TECHNOLOGY PORTFOLIO                                                        

SUBADVISER: RCM Capital Management LLC                                          

INVESTMENT OBJECTIVE: The RCM Technology Portfolio seeks capital appreciation;  
no consideration is given to income.                                            

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T. ROWE PRICE LARGE CAP VALUE PORTFOLIO (formerly Lord Abbett Growth and Income 
Portfolio)                                                                      

SUBADVISER: T. Rowe Price Associates, Inc. (formerly Lord, Abbett & Co. LLC)    

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

T. ROWE PRICE MID CAP GROWTH PORTFOLIO                                          

SUBADVISER: T. Rowe Price Associates, Inc.                                      

INVESTMENT OBJECTIVE: The T. Rowe Price Mid-Cap Growth Portfolio seeks          
long-term growth of capital.                                                    

THIRD AVENUE SMALL CAP VALUE PORTFOLIO                                          

SUBADVISER: Third Avenue Management LLC                                         

INVESTMENT OBJECTIVE: The Third Avenue Small Cap Value Portfolio seeks          
long-term capital appreciation.                                                 

TURNER MID CAP GROWTH PORTFOLIO                                                 

SUBADVISER: Turner Investment Partners, Inc.                                    

INVESTMENT OBJECTIVE: The Turner Mid-Cap Growth Portfolio seeks capital         
appreciation.                                                                   

VAN KAMPEN COMSTOCK PORTFOLIO                                                   

SUBADVISER: Invesco Advisers, Inc.                                              

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

*This portfolio is only available for investment if certain optional riders are 
elected. (See "Purchase - Investment Allocation Restrictions for Certain        
Riders.")                                                                       

METROPOLITAN SERIES FUND, INC.                                                  

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

BARCLAYS CAPITAL AGGREGATE BOND INDEX PORTFOLIO (CLASS G)                       

SUBADVISER: MetLife Investment Advisors Company, LLC                            

INVESTMENT OBJECTIVE: The Barclays Capital Aggregate Bond Index Portfolio seeks 
to equal the performance of the Barclays Capital U.S. Aggregate Bond Index.     

BLACKROCK MONEY MARKET PORTFOLIO (CLASS B)                                      

SUBADVISER: BlackRock Advisors, LLC                                             

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

An investment in the BlackRock Money Market Portfolio is not insured or         
guaranteed by the Federal Deposit Insurance Company or any other government     
agency. Although the BlackRock Money Market Portfolio seeks to preserve the     
value of your investment at $100 per share, it is possible to lose money by     
investing in the BlackRock Money Market Portfolio.                              

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

DAVIS VENTURE VALUE PORTFOLIO (CLASS E)                                         

SUBADVISER: Davis Selected Advisers, L.P. Davis Selected Advisers, L.P. may     
delegate any of its responsibilities to Davis Selected Advisers - NY, Inc., a   
wholly-owned subsidiary.                                                        

INVESTMENT OBJECTIVE: The Davis Venture Value Portfolio seeks growth of         
capital.                                                                        

JENNISON GROWTH PORTFOLIO (CLASS B)                                             

SUBADVISER: Jennison Associates LLC                                             

INVESTMENT OBJECTIVE: The Jennison Growth Portfolio seeks long-term growth of   
capital.                                                                        

MET/ARTISAN MID CAP VALUE PORTFOLIO (CLASS B)                                   

SUBADVISER: Artisan Partners Limited Partnership                                

INVESTMENT OBJECTIVE: The Met/Artisan Mid Cap Value Portfolio seeks long-term   
capital growth.                                                                 

MET/DIMENSIONAL INTERNATIONAL SMALL COMPANY PORTFOLIO (CLASS B)                 

SUBADVISER: Dimensional Fund Advisors LP                                        

INVESTMENT OBJECTIVE: The Met/Dimensional International Small Company Portfolio 
seeks long-term capital appreciation.                                           

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METLIFE MID CAP STOCK INDEX PORTFOLIO (CLASS G)                                 

SUBADVISER: MetLife Investment Advisors Company, LLC                            

INVESTMENT OBJECTIVE: The MetLife Mid Cap Stock Index Portfolio seeks to equal  
the performance of the Standard & Poor's MidCap 400 (Reg. TM) Composite Stock   
Price Index.                                                                    

METLIFE STOCK INDEX PORTFOLIO (CLASS B)                                         

SUBADVISER: MetLife Investment Advisors Company, LLC                            

INVESTMENT OBJECTIVE: The MetLife Stock Index Portfolio seeks to equal the      
performance of the Standard & Poor's 500 (Reg. TM) Composite Stock Price Index. 

MORGAN STANLEY EAFE (Reg. TM) INDEX PORTFOLIO (CLASS G)                         

SUBADVISER: MetLife Investment Advisors Company, LLC                            

INVESTMENT OBJECTIVE: The Morgan Stanley EAFE (Reg. TM) Index Portfolio seeks   
to equal the performance of the MSCI EAFE (Reg. TM) Index.                      

RUSSELL 2000 (Reg. TM) INDEX PORTFOLIO (CLASS G)                                

SUBADVISER: MetLife Investment Advisors Company, LLC                            

INVESTMENT OBJECTIVE: The Russell 2000 (Reg. TM) Index Portfolio seeks to equal 
the performance of the Russell 2000 (Reg. TM) Index.                            

VAN ECK GLOBAL NATURAL RESOURCES PORTFOLIO (CLASS B)*                           

SUBADVISER: Van Eck Associates Corporation                                      

INVESTMENT OBJECTIVE: The Van Eck Global Natural Resources Portfolio seeks      
long-term capital appreciation with income as a secondary consideration.        

WESTERN ASSET MANAGEMENT U.S. GOVERNMENT PORTFOLIO (CLASS B)                    

SUBADVISER: Western Asset Management Company                                    

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

*This portfolio is only available for investment if certain optional riders are 
elected. (See "Purchase - Investment Allocation Restrictions for Certain        
Riders.")                                                                       

MET INVESTORS SERIES TRUST - METLIFE ASSET ALLOCATION PROGRAM (CLASS B)         

In addition to the Met Investors Series Trust Portfolios listed above, the      
following Class B portfolios managed by MetLife Advisers, LLC are available     
under the contract:                                                             

METLIFE DEFENSIVE STRATEGY PORTFOLIO                                            

INVESTMENT OBJECTIVE: The MetLife Defensive Strategy Portfolio seeks to provide 
a high level of current income with growth of capital, a secondary objective.   

METLIFE MODERATE STRATEGY PORTFOLIO                                             

INVESTMENT OBJECTIVE: The MetLife Moderate Strategy Portfolio seeks to provide  
a high total return in the form of income and growth of capital, with a greater 
emphasis on income.                                                             

METLIFE BALANCED STRATEGY PORTFOLIO                                             

INVESTMENT OBJECTIVE: The MetLife Balanced Strategy Portfolio seeks to provide  
a balance between a high level of current income and growth of capital with a   
greater emphasis on growth of capital.                                          

METLIFE GROWTH STRATEGY PORTFOLIO                                               

INVESTMENT OBJECTIVE: The MetLife Growth Strategy Portfolio seeks to provide    
growth of capital.                                                              

METLIFE AGGRESSIVE STRATEGY PORTFOLIO                                           

INVESTMENT OBJECTIVE: The MetLife Aggressive Strategy Portfolio seeks growth of 
capital.                                                                        

MET INVESTORS SERIES TRUST - AMERICAN FUNDS (Reg. TM) ASSET ALLOCATION          
PORTFOLIOS (CLASS C)                                                            

In addition to the Met Investors Series Trust portfolios listed above, the      
following Class C portfolios managed by MetLife Advisers, LLC are also          
available under the contract:                                                   

AMERICAN FUNDS (Reg. TM) MODERATE ALLOCATION PORTFOLIO                          

INVESTMENT OBJECTIVE: The American Funds (Reg. TM) Moderate Allocation          
Portfolio seeks a high total return in the form of income and growth of         
capital, with a greater emphasis on income.                                     

AMERICAN FUNDS (Reg. TM) BALANCED ALLOCATION PORTFOLIO                          

INVESTMENT OBJECTIVE: The American Funds (Reg. TM) 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.                          

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AMERICAN FUNDS (Reg. TM) GROWTH ALLOCATION PORTFOLIO                            

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

MET INVESTORS SERIES TRUST - FRANKLIN TEMPLETON ASSET ALLOCATION PORTFOLIO      
(CLASS B)                                                                       

In addition to the Met Investors Series Trust portfolios listed above, the      
following Class B portfolio managed by MetLife Advisers, LLC is also available  
under the contract:                                                             

MET/FRANKLIN TEMPLETON FOUNDING STRATEGY PORTFOLIO                              

INVESTMENT OBJECTIVE: The Met/Franklin Templeton Founding Strategy Portfolio    
primarily seeks capital appreciation and secondarily seeks income.              

MET INVESTORS SERIES TRUST - SSGA ETF PORTFOLIOS (CLASS B)                      

In addition to the Met Investors Series Trust portfolios listed above, the      
following Class B portfolios managed by MetLife Advisers, LLC are also          
available under the contract:                                                   

SSGA GROWTH AND INCOME ETF PORTFOLIO                                            

SUBADVISER: SSgA Funds Management, Inc.                                         

INVESTMENT OBJECTIVE: The SSgA Growth and Income ETF Portfolio seeks growth of  
capital and income.                                                             

SSGA GROWTH ETF PORTFOLIO                                                       

SUBADVISER: SSgA Funds Management, Inc.                                         

INVESTMENT OBJECTIVE: The SSgA Growth ETF Portfolio seeks growth of capital.    

MET INVESTORS SERIES TRUST - GMIB MAX AND EDB MAX PORTFOLIOS (CLASS B)          

In addition to the Met Investors Series Trust portfolios listed above, the      
following Class B portfolios managed by MetLife Advisers, LLC are also          
available under the contract:                                                   

ALLIANCEBERNSTEIN GLOBAL DYNAMIC ALLOCATION PORTFOLIO*                          

SUBADVISER: AllianceBernstein L.P.                                              

INVESTMENT OBJECTIVE: The AllianceBernstein Global Dynamic Allocation Portfolio 
seeks capital appreciation and current income.                                  

AQR GLOBAL RISK BALANCED PORTFOLIO*                                             

SUBADVISER: AQR Capital Management, LLC                                         

INVESTMENT OBJECTIVE: The AQR Global Risk Balanced Portfolio seeks total        
return.                                                                         

BLACKROCK GLOBAL TACTICAL STRATEGIES PORTFOLIO*                                 

SUBADVISER: BlackRock Financial Management, Inc.                                

INVESTMENT OBJECTIVE: The BlackRock Global Tactical Strategies Portfolio seeks  
capital appreciation and current income.                                        

METLIFE BALANCED PLUS PORTFOLIO*                                                

SUBADVISER: Pacific Investment Management Company, LLC                          

INVESTMENT OBJECTIVE: The MetLife Balanced Plus Portfolio seeks a balance       
between a high level of current income and growth of capital, with a greater    
emphasis on growth of capital.                                                  

PYRAMIS (Reg. TM) GOVERNMENT INCOME PORTFOLIO*                                  

SUBADVISER: Pyramis Global Advisors, LLC                                        

INVESTMENT OBJECTIVE: The Pyramis (Reg. TM) Government Income Portfolio seeks a 
high level of current income, consistent with preservation of principal.        

*These portfolios are only available for investment if certain optional riders  
are elected. (See "Purchase -                                                   

Investment Allocation Restrictions for Certain Riders.")                        

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APPENDIX C                                                                      

EDCA EXAMPLES WITH MULTIPLE PURCHASE PAYMENTS                                   

In order to show how the EDCA program works, we have created some examples. The 
examples are purely hypothetical and are for illustrative purposes only. The    
interest rate earned in an EDCA account will be the guaranteed minimum interest 
rate, plus any additional interest which we may declare from time to time. In   
addition, each bucket attributable to a subsequent purchase payment will earn   
interest at the then-current interest rate applied to new allocations to an     
EDCA account of the same monthly term.                                          

6-MONTH EDCA                                                                    

The following example demonstrates how the 6-month EDCA program operates when   
multiple purchase payments are allocated to the program. The example assumes    
that a $12,000 purchase payment is allocated to the EDCA program at the         
beginning of the first month and the first transfer of $2,000 also occurs on    
that date. The $10,000 remaining after the EDCA transfer is allocated to the    
1st Payment Bucket where it is credited with a 5% effective annual interest     
rate. The EDCA transfer amount of $2,000 is determined by dividing the $12,000  
allocation amount by 6 (the number of months in the EDCA program). Thereafter,  
a $2,000 transfer is made from the EDCA at the beginning of each month. Amounts 
remaining in the EDCA Account Value are accumulated at the EDCA interest rate   
using the following formula:                                                    

Account Value 1st Payment Bucket (month 2) =                                    

Account Value 1st Payment Bucket (month 1) x (1+EDCA Rate)(1/12) - EDCA         
Transfer Amount                                                                 

At the beginning of the 4th month, a second purchase payment of $6,000 is       
allocated to the EDCA program. The entire $6,000 is allocated to the 2nd        
Payment Bucket where it is credited with a 4% effective annual interest rate.   
This second purchase payment triggers an increase in the EDCA transfer amount   
to $3,000. The increased EDCA transfer amount is determined by adding $1,000    
(the $6,000 allocation amount divided by 6) to the current EDCA transfer        
amount. The $3,000 monthly EDCA transfers will first be applied against the     
account value in the 1st Payment Bucket until exhausted and then against the    
account value in the 2nd Payment Bucket until it is exhausted.                  

                                                        [Enlarge/Download Table]

                                                                  ---- Account Values----   
 Beg of    Amount Allocated        Actual            EDCA        1st Payment     2nd Payment
  Month         to EDCA        EDCA Transfer    Account Value       Bucket         Bucket   
--------  ------------------  ---------------  ---------------  -------------   ------------
                                                                                            
    1           $12,000            $2,000          $10,000         $10,000                  
    2                              $2,000          $ 8,041         $ 8,041                  
    3                              $2,000          $ 6,074         $ 6,074                  
    4*          $ 6,000            $3,000          $ 9,098         $ 3,098         $6,000   
    5                              $3,000          $ 6,131         $   111         $6,020   
    6                              $3,000          $ 3,151               0         $3,151   
    7                              $3,000          $   161               0         $  161   
    8                              $  162                0               0              0   

* At the beginning of the 4th month, a $6,000 purchase payment is added to the  
EDCA Account. This amount ($6,000) is allocated to the 2nd Payment Bucket. As   
described above, this second purchase payment causes the monthly EDCA transfer  
amount to increase from $2,000 to $3,000. Therefore, $3,000 is transferred from 
the 1st Payment Bucket, leaving $3,098 in the 1st Payment Bucket ($6,074 (1st   
Payment Bucket account value from the 3rd month) + $24 (3rd month's EDCA        
interest calculated using the formula shown above) - $3,000 (monthly transfer)  
= $3,098). The total EDCA Account Value at the beginning of the 4th month is    
$9,098 ($3,098 in the 1st Payment Bucket + $6,000 in the 2nd Payment Bucket =   
$9,098).                                                                        

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12-MONTH EDCA                                                                   

The following example demonstrates how the 12-month EDCA program operates when  
multiple purchase payments are allocated to the program. The example assumes    
that a $24,000 purchase payment is allocated to the EDCA program at the         
beginning of the first month and the first transfer of $2,000 also occurs on    
that date. The $22,000 remaining after the EDCA transfer is allocated to the    
1st Payment Bucket where it is credited with a 5% effective annual interest     
rate. The EDCA transfer amount of $2,000 is determined by dividing the $24,000  
allocation amount by 12 (the number of months in the EDCA program). Thereafter, 
a $2,000 transfer is made from the EDCA at the beginning of each month. Amounts 
remaining in the EDCA account value are accumulated at the EDCA interest rate   
using the following formula:                                                    

Account Value 1st Payment Bucket (month 2) =                                    

Account Value 1st Payment Bucket (month 1) x                                    

(1+EDCA Rate)(1/12) - EDCA Transfer Amount                                      

At the beginning of the 6th month, a second purchase payment of $12,000 is      
allocated to the EDCA program. The entire $12,000 is allocated to the 2nd       
Payment Bucket where it is credited with a 4% effective annual interest rate.   
This second purchase payment triggers an increase in the EDCA transfer amount   
to $3,000. The increased EDCA transfer amount is determined by adding $1,000    
(the $12,000 allocation amount divided by 12) to the current EDCA transfer      
amount. The $3,000 monthly EDCA transfers will first be applied against the     
account value in the 1st Payment Bucket until exhausted and then against the    
account value in the 2nd Payment Bucket until it is exhausted.                  

                                                        [Enlarge/Download Table]

                                                                  ---- Account Values----   
 Beg of    Amount Allocated        Actual            EDCA        1st Payment     2nd Payment
  Month         to EDCA        EDCA Transfer    Account Value       Bucket         Bucket   
--------  ------------------  ---------------  ---------------  -------------   ------------
                                                                                            
    1     $24,000                  $2,000          $22,000         $22,000                  
    2                              $2,000          $20,090         $20,090                  
    3                              $2,000          $18,171         $18,171                  
    4                              $2,000          $16,246         $16,246                  
    5                              $2,000          $14,312         $14,312                  
    6*    $12,000                  $3,000          $23,370         $11,370         $12,000  
    7                              $3,000          $20,456         $ 8,416         $12,039  
    8                              $3,000          $17,529         $ 5,451         $12,079  
    9                              $3,000          $14,591         $ 2,473         $12,118  
   10                              $3,000          $11,641               0         $11,641  
   11                              $3,000          $ 8,679               0         $ 8,679  
   12                              $3,000          $ 5,707               0         $ 5,707  
   13                              $3,000          $ 2,726               0         $ 2,726  
   14                              $2,735                0               0               0  

* At the beginning of the 6th month, a $12,000 purchase payment is added to the 
EDCA Account. This amount ($12,000) is allocated to the 2nd Payment Bucket. As  
described above, this second purchase payment causes the monthly EDCA transfer  
amount to increase from $2,000 to $3,000. Therefore, $3,000 is transferred from 
the 1st Payment Bucket, leaving $11,370 in the 1st Payment Bucket ($14,312 (1st 
Payment Bucket account value from the 5th month) + $58 (5th month's EDCA        
interest calculated using the formula shown above) - $3,000 (monthly transfer)  
= $11,370). The total EDCA Account Value at the beginning of the 6th month is   
$23,370 ($11,370 in the 1st Payment Bucket + $12,000 in the 2nd Payment Bucket  
= $23,370).                                                                     

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APPENDIX D                                                                      

GUARANTEED MINIMUM INCOME BENEFIT EXAMPLES                                      

The purpose of these examples is to illustrate the operation of the Guaranteed  
Minimum Income Benefit. (Unless otherwise noted, these examples are for the     
GMIB Plus III rider.) Example (7) shows how required minimum distributions      
affect the income base when the GMIB Plus III is elected with an IRA contract   
(or another contract subject to Section 401(a)(9) of the Internal Revenue       
Code).                                                                          

The investment results shown are hypothetical and are not representative of     
past or future performance. Actual investment results may be more or less than  
those shown and will depend upon a number of factors, including investment      
allocations and the investment experience of the investment portfolios chosen.  
THE EXAMPLES DO NOT REFLECT THE DEDUCTION OF FEES AND CHARGES, WITHDRAWAL       
CHARGES OR INCOME TAXES AND TAX PENALITIES.                                     

(1) WITHDRAWAL ADJUSTMENTS TO ANNUAL INCREASE AMOUNT                            

   Dollar-for-dollar adjustment when withdrawal is less than or equal to 5% of
   ---------------------------------------------------------------------------
the Annual Increase Amount from the prior contract anniversary      
--------------------------------------------------------------      

Assume the initial purchase payment is $100,000 and the GMIB Plus III is
selected. Assume that during the first contract year, $5,000 is     
withdrawn. Because the withdrawal is less than or equal to 5% of the
  Annual Increase Amount from the prior contract anniversary, the Annual
     Increase Amount is reduced by the withdrawal on a dollar-for-dollar basis
     to $100,000 ($100,000 increased by 5% per year, compounded annually, less
  $5,000 = $100,000). Assuming no other purchase payments or withdrawals
are made before the second contract anniversary, the Annual Increase
Amount at the second contract anniversary will be $105,000 ($100,000
increased by 5% per year, compounded annually).                     

 Proportionate adjustment when withdrawal is greater than 5% of the Annual
 -------------------------------------------------------------------------
Increase Amount from the prior contract anniversary                 
---------------------------------------------------                 

Assume the initial purchase payment is $100,000 and the GMIB Plus III is
   selected. Assume the account value at the first contract anniversary is
  $100,000. The Annual Increase Amount at the first contract anniversary
will be $105,000 ($100,000 increased by 5% per year, compounded     
annually). Assume that on the first contract anniversary, $10,000 is
     withdrawn (leaving an account balance of $90,000). Because the withdrawal
    is greater than 5% of the Annual Increase Amount from the prior contract
  anniversary, the Annual Increase Amount is reduced by the value of the
 Annual Increase Amount immediately prior to the withdrawal ($105,000)
     multiplied by the percentage reduction in the account value attributed to
    that entire withdrawal: 10% (the $10,000 withdrawal reduced the $100,000
account value by 10%). Therefore, the new Annual Increase Amount is 
 $94,500 ($105,000 x 10% = $10,500; $105,000 - $10,500 = $94,500). (If
    multiple withdrawals are made during a contract year -  for example, two
$5,000 withdrawals instead of one $10,000 withdrawal -  and those   
 withdrawals total more than 5% of the Annual Increase Amount from the
prior contract anniversary, the Annual Increase Amount is reduced   
     proportionately by each of the withdrawals made during that contract year
and there will be no dollar-for-dollar withdrawal adjustment for the
  contract year.) Assuming no other purchase payments or withdrawals are
   made before the second contract anniversary, the Annual Increase Amount
    at the second contract anniversary will be $99,225 ($94,500 increased by
5% per year, compounded annually).                                  

(If a contract is issued with the GMIB Max rider, or if a contract was
 issued with certain versions of the GMIB Plus II or GMIB Plus I riders,
the annual increase rate is 6% instead of 5%. See "Living Benefits -  
Guaranteed Income Benefits.")                                         

(2) THE 5% ANNUAL INCREASE AMOUNT                                               

Example                                                                 
-------                                                                 

  Assume the owner of the contract is a male, age 55 at issue, and he elects
the GMIB Plus III rider. He makes an initial purchase payment of    
$100,000, and makes                                                 

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 no additional purchase payments or partial withdrawals. On the contract
issue date, the 5% Annual Increase Amount is equal to $100,000 (the   
   initial purchase payment). The 5% Annual Increase Amount is calculated at
  each contract anniversary (through the contract anniversary prior to the
   owner's 91st birthday). At the tenth contract anniversary, when the owner
  is age 65, the 5% Annual Increase Amount is $162,889 ($100,000 increased
    by 5% per year, compounded annually). See section (3) below for an example
of the calculation of the Highest Anniversary Value.                  

  Graphic Example: Determining a value upon which future income payments can
  --------------------------------------------------------------------------
be based                                                            
--------                                                            

Assume that you make an initial purchase payment of $100,000. Prior to  
     annuitization, your account value fluctuates above and below your initial
purchase payment depending on the investment performance of the     
     investment options you selected. Your purchase payments accumulate at the
annual increase rate of 5%, until the contract anniversary on or    
immediately after the contract owner's 90th 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 5% a year adjusted for withdrawals and charges
  "the 5% Annual Increase Amount") is the value upon which future income
payments can be based.                                              

[GRAPHIC APPEARS HERE]                                                          

Graphic Example: 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, your 5% Annual Increase Amount
  is higher than the Highest Anniversary Value and will produce a higher
income benefit. Accordingly, the 5% Annual Increase Amount 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.                                         

[GRAPHIC APPEARS HERE]                                                          

(In contrast to the GMIB Plus III rider, for the GMIB II rider, purchase
    payments accumulate at the annual increase rate of 5% until the contract
    anniversary on or immediately after the contract owner's 85th birthday.)

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

Example                                                                 
-------                                                                 

Assume, as in the example in section (2) above, the owner of the contract is
    a male, age 55 at issue, and he elects the GMIB Plus III rider. He makes
     an initial purchase payment of $100,000, and makes no additional purchase
    payments or partial withdrawals. On the contract issue date, the Highest
  Anniversary Value is equal to $100,000 (the initial purchase payment).
  Assume the account value on the first contract anniversary is $108,000
     due to good market performance. Because the account value is greater than
   the Highest Anniversary Value ($100,000), the Highest Anniversary Value
     is set equal to the account value ($108,000). Assume the account value on
the second contract anniversary is $102,000 due to poor market      
performance. Because the account value is less than the Highest     
Anniversary Value ($108,000), the Highest Anniversary Value remains 
$108,000.                                                           

Assume this process is repeated on each contract anniversary until the  
  tenth contract anniversary, when the account value is $155,000 and the
Highest Anniversary Value is $150,000. The Highest                  

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Anniversary Value is set equal to the account value ($155,000). See   
section (4) below for an example of the exercise of the GMIB Plus III 
rider.                                                                

  Graphic Example: Determining a value upon which future income payments can
  --------------------------------------------------------------------------
be based                                                            
--------                                                            

Prior to annuitization, the Highest Anniversary Value begins to lock in 
  growth. The Highest Anniversary Value is adjusted upward each contract
    anniversary if the account value 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.                     

[GRAPHIC APPEARS HERE]                                                          

Graphic Example: 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 value. 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.                     

[GRAPHIC APPEARS HERE]                                                          

(4) PUTTING IT ALL TOGETHER                                                     

Example                                                                 
-------                                                                 

Continuing the examples in sections (2) and (3) above, assume the owner 
chooses to exercise the GMIB Plus III rider at the tenth contract   
  anniversary and elects a life annuity with 5 years of annuity payments
   guaranteed. Because the 5% Annual Increase Amount ($162,889) is greater
 than the Highest Anniversary Value ($155,000), the 5% Annual Increase
     Amount ($162,889) is used as the income base. The income base of $162,889
 is applied to the GMIB Annuity Table. This yields annuity payments of
  $533 per month for life, with a minimum of 5 years guaranteed. (If the
   same owner were instead age 70, the income base of $162,889 would yield
  monthly payments of $611; if the owner were age 75, the income base of
$162,889 would yield monthly payments of $717.)                     

The above example does not take into account the impact of premium and  
other taxes. As with other pay-out types, the amount you receive as an

    income payment depends on the income type you select, your age, and (where
permitted by state law) your sex. 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.

Graphic Example                                                         
---------------                                                         

   Prior to annuitization, the two calculations (the 5% Annual Increase Amount
   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 income bases and the account value will cease
     to exist. Also, the GMIB Plus III may only be exercised no later than the
    contract anniversary on or following the contract owner's 90th birthday,
after a 10 year waiting period, and then only                       

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 within a 30 day period following the contract anniversary. (The GMIB II
may only be exercised no later than the contract anniversary on or    
following the contract owner's 85th birthday, after a 10 year waiting 
period, and then only within a 30 day period following the contract   
anniversary.)                                                         

[GRAPHIC APPEARS HERE]                                                          

 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
     value 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 value 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.

[GRAPHIC APPEARS HERE]                                                          

(5) THE GUARANTEED PRINCIPAL OPTION - GMIB PLUS III                             

Assume your initial purchase payment is $100,000 and no withdrawals are 
    taken. Assume that the account value at the 10th contract anniversary is
   $50,000 due to poor market performance, and you exercise the Guaranteed
Principal Option at this time.                                      

The effects of exercising the Guaranteed Principal Option are:          

  1)    A Guaranteed Principal Adjustment of $100,000 - $50,000 = $50,000 is
added to the account value 30 days after the 10th contract  
anniversary bringing the account value back up to $100,000. 

  2)    The GMIB Plus III rider and rider fee terminates as of the date that
     the adjustment is made to the account value; the variable annuity
contract continues.                                         

 3)    The GMIB Plus III allocation and transfer restrictions terminate as
 of the date that the adjustment is made to the account value.

[GRAPHIC APPEARS HERE]                                                          

*Withdrawals reduce the original purchase payment (I.E. those payments  
credited within 120 days of contract issue date) proportionately and
    therefore, may have a significant impact on the amount of the Guaranteed
Principal Adjustment.                                               

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(6) THE OPTIONAL RESET: AUTOMATIC ANNUAL STEP-UP -                              

GMIB PLUS III                                                                   

Assume your initial investment is $100,000 and no withdrawals are taken. The 5% 
Annual Increase Amount increases to $105,000 on the first anniversary ($100,000 
increased by 5% per year, compounded annually). Assume your account value at    
the first contract anniversary is $110,000 due to good market performance, and  
you elected Optional Resets to occur under the Automatic Annual Step-Up feature 
prior to the first contract anniversary. Because your account value is higher   
than your 5% Annual Increase Amount, an Optional Reset will automatically       
occur.                                                                          

The effect of the Optional Reset is:                                            

(1) The 5% Annual Increase Amount automatically resets from $105,000 to   
$110,000;                                                     

(2) The 10-year waiting period to annuitize the contract under the GMIB   
    Plus III is reset to 10 years from the first contract anniversary;

(3) The GMIB Plus III rider charge is reset to the fee we charge new      
    contract owners for the same GMIB Plus III rider at that time; and

(4) The Guaranteed Principal Option can still be elected on the 10th      
contract anniversary.                                         

The 5% Annual Increase Amount increases to $115,500 on the second anniversary   
($110,000 increased by 5% per year, compounded annually). Assume your account   
value at the second contract anniversary is $120,000 due to good market         
performance, and you have not discontinued the Automatic Annual Step-Up         
feature. Because your account value is higher than your 5% Annual Increase      
Amount, an Optional Reset will automatically occur.                             

The effect of the Optional Reset is:                                            

(1) The 5% Annual Increase Amount automatically resets from $115,500 to   
$120,000;                                                     

(2) The 10-year waiting period to annuitize the contract under the GMIB   
     Plus III is reset to 10 years from the second contract anniversary;

(3) The GMIB Plus III rider charge is reset to the fee we charge new      
    contract owners for the same GMIB Plus III rider at that time; and

(4) The Guaranteed Principal Option can still be elected on the 10th      
contract anniversary.                                         

Assume your account value increases by $10,000 at each contract anniversary in  
years three through seven. At each contract anniversary, your account value     
would exceed the 5% Annual Increase Amount and an Optional Reset would          
automatically occur (provided you had not discontinued the Automatic Annual     
Step-Up feature, and other requirements were met).                              

The effect of each Optional Reset is:                                           

(1) The 5% Annual Increase Amount automatically resets to the higher      
account value;                                                

(2) The 10-year waiting period to annuitize the contract under the GMIB   
    Plus III is reset to 10 years from the date of the Optional Reset;

(3) The GMIB Plus III rider charge is reset to the fee we charge new      
    contract owners for the same GMIB Plus III rider at that time; and

(4) The Guaranteed Principal Option can still be elected on the 10th      
contract anniversary.                                         

After the seventh contract anniversary, the initial Automatic Annual Step-Up    
election expires. Assume you do not make a new election of the Automatic Annual 
Step-Up.                                                                        

The 5% Annual Increase Amount increases to $178,500 on the eighth anniversary   
($170,000 increased by 5% per year, compounded annually). Assume your account   
value at the eighth contract anniversary is $160,000 due to poor market         
performance. An Optional Reset is NOT permitted because your account value is   
lower than your 5% Annual Increase Amount. However, because the Optional Reset  
has locked-in previous gains, the 5% Annual Increase Amount remains at $178,500 
despite poor market performance, and, provided the rider continues in effect,   
will continue to grow at 5% annually (subject to adjustments for additional     
purchase payments and/or withdrawals) through the contract anniversary on or    
after your 90th birthday. Also, please note:                                    

(1) The 10-year waiting period to annuitize the contract under the GMIB   
      Plus III remains at the 17th contract anniversary (10 years from the
date of the last Optional Reset);                             

(2) The GMIB Plus III rider charge remains at its current level; and      

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(3) The Guaranteed Principal Option can still be elected on the 10th      
contract anniversary.                                         

[GRAPHIC APPEARS HERE]                                                          

(7) REQUIRED MINIMUM DISTRIBUTION EXAMPLES -  GMIB PLUS III                     

The following examples only apply to IRAs and other contracts subject to        
Section 401(a)(9) of the Internal Revenue Code. Assume an IRA contract is       
issued on September 1, 2011 and the GMIB Plus III rider is selected. Assume     
that on the first contract anniversary (September 1, 2012), the Annual Increase 
Amount is $100,000. Assume the required minimum distribution amount for 2012    
with respect to this contract is $6,000, and the required minimum distribution  
amount for 2013 with respect to this contract is $7,200. Assume that on both    
the first contract anniversary (September 1, 2012) and the second contract      
anniversary (September 1, 2013) the account value is $100,000. On the second    
contract anniversary, the annual increase rate is the greatest of:              

(a) 5%;                                                                   

(b) the total withdrawals during the contract year under the Automated    
        Required Minimum Distribution Program and/or the Systematic Withdrawal
     Program (up to a maximum of 5% of the Annual Increase Amount at the
        beginning of the contract year), divided by the Annual Increase Amount
at the beginning of the contract year; or                     

(c) the required minimum distribution amount for 2012 ($6,000) or for 2013
       ($7,200), whichever is greater, divided by the Annual Increase Amount
as of September 1, 2012 ($100,000).                           

Because $7,200 (the required minimum distribution amount for 2013) is greater   
than $6,000 (the required minimum distribution amount for 2012), (c) is equal   
to $7,200 divided by $100,000, or 7.2%.                                         

(If a contract is issued with the GMIB Max rider instead of the GMIB Plus III   
rider, (a) is 6% instead of 5%. See "Living Benefits -  Guaranteed Income       
Benefits.")                                                                     

Withdrawals Through the Automated Required Minimum Distribution Program     
-----------------------------------------------------------------------     

If the contract owner enrolls in the Automated Required Minimum Distribution
 Program and elects monthly withdrawals, the owner will receive $6,800
    over the second contract year (from September 2012 through August 2013).
  Assuming the owner makes no withdrawals outside the Automated Required
   Minimum Distribution Program, on September 1, 2013, the Annual Increase
  Amount will be increased to $100,400. This is calculated by increasing
the Annual Increase Amount from September 1, 2012 ($100,000) by the 
  annual increase rate (7.2%) and subtracting the total amount withdrawn
 through the Automated Required Minimum Distribution Program ($6,800):
$100,000 increased by 7.2% = $107,200; $107,200 - $6,800 = $100,400.

(Why does the contract owner receive $6,800 under the Automated Required    
Minimum Distribution Program in this example? From September through
    December 2012, the owner receives $500 per month ($500 equals the $6,000
required minimum distribution amount for 2012 divided by 12). From  
January through August 2013, the owner receives $600 per month ($600
   equals the $7,200 required minimum distribution amount for 2013 divided
     by 12). The owner receives $2,000 in 2012 and $4,800 in 2013, for a total
of $6,800.)                                                         

Withdrawals Outside the Automated Required Minimum Distribution Program     
-----------------------------------------------------------------------     

If the contract owner withdraws the $6,000 required minimum distribution    
amount for 2012 in December 2012 and makes no other withdrawals from
September 2012 through August 2013, the Annual Increase Amount on   
    September 1, 2013 will be $101,200. This is calculated by increasing the
  Annual Increase Amount from September 1, 2012 ($100,000) by the annual
     increase rate (7.2%) and subtracting the total amount withdrawn ($6,000):
$100,000 increased by 7.2% = $107,200; $107,200 - $6,000 = $101,200.

If the contract owner withdraws the $7,200 required minimum distribution    
amount for 2013 in January                                          

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2013 and makes no other withdrawals from September 2012 through August  
2013, the Annual Increase Amount on September 1, 2013 will be $100,000. 
  This is calculated by increasing the Annual Increase Amount from September
 1, 2012 ($100,000) by the annual increase rate (7.2%) and subtracting the
total amount withdrawn ($7,200): $100,000 increased by 7.2% = $107,200; 
$107,200 - $7,200 = $100,000.                                           

Withdrawals in Excess of the Required Minimum Distribution Amounts          
------------------------------------------------------------------          

Assume the contract owner withdraws $7,250 on September 1, 2012 and makes no
 other withdrawals before the second contract anniversary. Because the
   $7,250 withdrawal exceeds the required minimum distribution amounts for
2012 and 2013, the annual increase rate will be 5% and the Annual   
  Increase Amount on the second contract anniversary (September 1, 2013)
   will be $97,387.50. On September 1, 2012, the Annual Increase Amount is
   reduced by the value of the Annual Increase Amount immediately prior to
   the withdrawal ($100,000) multiplied by the percentage reduction in the
  account value attributed to the withdrawal (7.25%). Therefore, the new
    Annual Increase Amount is $92,750 ($100,000 x 7.25% = $7,250; $100,000 -
     $7,250 = $92,750). Assuming no other purchase payments or withdrawals are
   made before the second contract anniversary, the Annual Increase Amount
     on the second contract anniversary (September 1, 2012) will be $97,387.50
($92,750 increased by 5% per year compounded annually).             

No Withdrawals                                                              
--------------                                                              

If the contract owner fulfills the minimum distribution requirements by     
making withdrawals from other IRA accounts and does not make any    
   withdrawals from this contract, the Annual Increase Amount on September
 1, 2013 will be $107,200. This is calculated by increasing the Annual
    Increase Amount from September 1, 2012 ($100,000) by the annual increase
    rate (7.2%) and subtracting the total amount withdrawn from the contract
($0).                                                               

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APPENDIX E                                                                      

GUARANTEED WITHDRAWAL BENEFIT EXAMPLES                                          

The purpose of these examples is to illustrate the operation of the Guaranteed  
Withdrawal Benefit. (Examples A and B are for the Lifetime Withdrawal Guarantee 
I and Lifetime Withdrawal Guarantee II riders. Examples C and D are for a       
previous version of the Lifetime Withdrawal Guarantee II rider. Examples E      
through L are for Enhanced GWB and GWB I.) The investment results shown are     
hypothetical and are not representative of past or future performance. Actual   
investment results may be more or less than those shown and will depend upon a  
number of factors, including investment allocations and the investment          
experience of the investment portfolios chosen. THE EXAMPLES DO NOT REFLECT THE 
DEDUCTION OF FEES AND CHARGES, WITHDRAWAL CHARGES OR INCOME TAXES AND TAX       
PENALTIES. The Guaranteed Withdrawal Benefit does not establish or guarantee an 
account value or minimum return for any investment portfolio. The Total         
Guaranteed Withdrawal Amount and the Remaining Guaranteed Withdrawal Amount     
(under the Lifetime Withdrawal Guarantee) and the Guaranteed Withdrawal Amount  
and the Benefit Base (under the Enhanced GWB and GWB I) cannot be taken as a    
lump sum.                                                                       

A.   Lifetime Withdrawal Guarantee                                              

1.   When Withdrawals Do Not Exceed the Annual Benefit Payment        

Assume that a contract had an initial purchase payment of $100,000. The initial 
account value would be $100,000, the Total Guaranteed Withdrawal Amount would   
be $100,000, the initial Remaining Guaranteed Withdrawal Amount would be        
$100,000 and the initial Annual Benefit Payment would be $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 Total Guaranteed 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 value 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 value are reduced 
to zero. (Under the Lifetime Withdrawal Guarantee II rider, if the contract     
owner makes the first withdrawal during a contract year in which the owner (or  
oldest joint owner, or annuitant if the owner is a non-natural person) attains  
or will attain age 76, the Withdrawal Rate is 6% instead of 5% and the Annual   
Benefit Payment is $6,000.)                                                     

[GRAPHIC APPEARS HERE]                                                          

                                                                [Download Table]

                                     Remaining              
Annual                               Guaranteed   Guaranteed
Benefit   Cumulative    Account      Withdrawal   Withdrawal
Payment   Withdrawals   Value        Amount       Amount    
                                                            
$5,000    $5,000        $100,000     $100,000     $100,000  
  5,000        10,000      90,250        95,000      100,000
  5,000        15,000    80,987.5        90,000      100,000
  5,000        20,000   72,188.13        85,000      100,000
  5,000        25,000   63,828.72        80,000      100,000
  5,000        30,000   55,887.28        75,000      100,000
  5,000        35,000   48,342.92        70,000      100,000
  5,000        40,000   41,175.77        65,000      100,000
  5,000        45,000   34,366.98        60,000      100,000
  5,000        50,000   27,898.63        55,000      100,000
  5,000        55,000    21,753.7        50,000      100,000
  5,000        60,000   15,916.02        45,000      100,000
  5,000        65,000   10,370.22        40,000      100,000
  5,000        70,000   5,101.706        35,000      100,000
  5,000        75,000    96.62093        30,000      100,000
  5,000        80,000           0             0      100,000
  5,000        85,000           0             0      100,000
  5,000        90,000           0             0      100,000
  5,000        95,000           0             0      100,000
  5,000       100,000           0             0      100,000

2.   When Withdrawals Do Exceed the Annual Benefit Payment                  

a.   Lifetime Withdrawal Guarantee II - Proportionate Reduction       

Assume that a contract with the Lifetime Withdrawal Guarantee II rider had an   
initial purchase payment of $100,000. The initial account value would be        
$100,000, the Total Guaranteed Withdrawal Amount would be $100,000, the initial 

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Remaining Guaranteed Withdrawal Amount would be $100,000 and the initial Annual 
Benefit Payment would be $5,000 ($100,000 x 5%). (If the contract owner makes   
the first withdrawal during a contract year in which the owner attains or will  
attain age 76, the Withdrawal Rate is 6% instead of 5% and the initial Annual   
Benefit Payment would be $6,000. For the purposes of this example, assume the   
contract owner makes the first withdrawal before the contract year in which the 
owner attains or will attain age 76 and the Withdrawal Rate is therefore 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 value was   
further reduced to $80,000 at year two due to poor market performance. If you   
withdrew $10,000 at this time, your account value would be reduced to $80,000 - 
$10,000 = $70,000. Since the withdrawal of $10,000 exceeded the Annual Benefit  
Payment of $5,000, there would be a proportional reduction to the Remaining     
Guaranteed Withdrawal Amount and the Total Guaranteed Withdrawal Amount. The    
proportional reduction is equal to the withdrawal ($10,000) divided by the      
account value before the withdrawal ($80,000), or 12.5%. The Remaining          
Guaranteed Withdrawal Amount after the withdrawal would be $83,125 ($95,000     
reduced by 12.5%). This new Remaining Guaranteed Withdrawal Amount of $83,125   
would now be the amount guaranteed to be available to be withdrawn over time.   
The Total Guaranteed Withdrawal Amount would be reduced to $87,500 ($100,000    
reduced by 12.5%). The Annual Benefit Payment would be set equal to 5% x        
$87,500 = $4,375.                                                               

(Assume instead that you withdrew $10,000 during year two in two separate       
withdrawals of $4,000 and $6,000. Since the first withdrawal of $4,000 did not  
exceed the Annual Benefit Payment of $5,000, there would be no proportional     
reduction to the Remaining Guaranteed Withdrawal Amount and the Total           
Guaranteed Withdrawal Amount at the time of that withdrawal. The second         
withdrawal ($6,000), however, results in cumulative withdrawals of $10,000      
during year two and causes a proportional reduction to the Remaining Guaranteed 
Withdrawal Amount and the Total Guaranteed Withdrawal Amount. The proportional  
reduction would be equal to the entire amount of the second withdrawal ($6,000) 
divided by the account value before that withdrawal.)                           

b.   Lifetime Withdrawal Guarantee I - Reduction to Account Value     

Assume that a contract with the Lifetime Withdrawal Guarantee I rider had an    
initial purchase payment of $100,000. The initial account value would be        
$100,000, the Total Guaranteed Withdrawal Amount would be $100,000, the initial 
Remaining Guaranteed Withdrawal Amount would be $100,000 and the initial Annual 
Benefit Payment would be $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 value was   
further reduced to $75,000 at year two due to poor market performance. If you   
withdrew $10,000 at this time, your account value would be reduced to $75,000 - 
$10,000 = $65,000. Your Remaining Guaranteed Withdrawal Amount would be reduced 
to $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 value, there      
would be an additional reduction to the Remaining Guaranteed Withdrawal Amount. 
The Remaining Guaranteed Withdrawal Amount after the withdrawal would be set    
equal to the account value after the withdrawal ($65,000). This new Remaining   
Guaranteed Withdrawal Amount of $65,000 would now be the amount guaranteed to   
be available to be withdrawn over time. The Total Guaranteed Withdrawal Amount  
would also be reduced to $65,000. The Annual Benefit Payment would be set equal 
to 5% x $65,000 = $3,250.                                                       

B.   Lifetime Withdrawal Guarantee II - Automatic Annual Step-Ups (No           
Withdrawals)                                                                    

Assume that a contract with the Lifetime Withdrawal Guarantee II rider had an   
initial purchase payment of $100,000 and the contract owner was age 67 at the   
time the contract was issued. Assume that no withdrawals are taken.             

At the first contract anniversary, assume the account value has increased to    
$110,000 due to good market performance. The Automatic Annual Step-Up will      
increase the Total Guaranteed Withdrawal Amount from $100,000 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, assume the account value has increased to   
$120,000 due to good market performance. The Automatic Annual Step-Up will      
increase the Total Guaranteed Withdrawal Amount from $110,000 to $120,000 and   
reset the Annual Benefit Payment to $6,000 ($120,000 x 5%).                     

Assume that on the third through the eighth contract anniversaries the account  
value does not exceed the Total Guaranteed Withdrawal Amount due to poor market 
performance. No Automatic Annual Step-Up will take place on the third through   
the eighth contract anniversaries and the Annual Benefit Payment will remain    
$6,000 ($120,000 x 5%). Assume the account value at the ninth contract          
anniversary has increased to $150,000 due to good market performance. The       
Automatic Annual Step-Up will increase the Total Guaranteed Withdrawal Amount   
from $120,000 to $150,000. Because the contract owner is now age 76 and did not 
take any withdrawals before the contract year in which he or she attained age   
76, the Withdrawal Rate will also reset from 5% to 6%. The Annual Benefit       
Payment will be reset to $9,000 ($150,000 x 6%).                                

C.   For Contracts Issued Before July 13, 2009 - Lifetime Withdrawal Guarantee  
II - Compounding Income Amount                                                  

Assume that a contract issued before July 13, 2009 with the Lifetime Withdrawal 
Guarantee II rider 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%). (If the contract owner makes the first withdrawal       
during a contract year in which the owner attains or will attain age 76, the    
Withdrawal Rate is 6% instead of 5% and the Annual Benefit Payment would be     
$6,000. For the purposes of this example, assume the contract owner makes the   
first withdrawal before the contract year in which the owner attains or will    
attain age 76 and the Withdrawal Rate is therefore 5%.)                         

The Total Guaranteed Withdrawal Amount will increase by 7.25% of the previous   
year's Total Guaranteed Withdrawal Amount until the earlier of the second       
withdrawal or the 10th contract anniversary. The Annual Benefit Payment will be 
recalculated as 5% of the new Total Guaranteed Withdrawal Amount.               

If the second 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 second withdrawal is taken in the second contract year, then the Total   
Guaranteed Withdrawal Amount would increase to $107,250 ($100,000 x 107.25%),   
and the Annual Benefit Payment would increase to $5,362 ($107,250 x 5%).        

If the second withdrawal is taken in the third contract year, then the Total    
Guaranteed Withdrawal Amount would increase to $115,025 ($107,250 x 107.25%),   
and the Annual Benefit Payment would increase to $5,751 ($115,025 x 5%).        

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If the second withdrawal is taken after the 10th contract year, then the Total  
Guaranteed Withdrawal Amount would increase to $201,360 (the initial $100,000,  
increased by 7.25% per year, compounded annually for 10 years), and the Annual  
Benefit Payment would increase to $10,068 ($201,360 x 5%).                      

(The Lifetime Withdrawal Guarantee I rider has a 5% Compounding Income Amount   
                    --
and the Total Guaranteed Withdrawal Amount is increased by 5% on each contract  

anniversary until the earlier of the date of the first withdrawal or the tenth  
                       -----
contract anniversary.)                                                          

[GRAPHIC APPEARS HERE]                                                          

                                                                [Download Table]

Year         Annual 
of Second    Benefit
Withdrawal   Payment
                    
         1   $5,000 
         2     5,363
         3     5,751
         4     6,168
         5     6,615
         6     7,095
         7     7,609
         8     8,161
         9     8,753
        10     9,387
        11    10,068

D.   For Contracts Issued Before July 13, 2009 - Lifetime Withdrawal Guarantee  
II - Automatic Annual Step-Ups and 7.25% Compounding Income Amount (No      
Withdrawals)                                                                

Assume that a contract issued before July 13, 2009 with the Lifetime Withdrawal 
Guarantee II rider had an initial purchase payment of $100,000. Assume that no  
withdrawals are taken.                                                          

At the first contract anniversary, assuming that no withdrawals are taken, the  
Total Guaranteed Withdrawal Amount is increased to $107,250 ($100,000 increased 
by 7.25%, compounded annually). Assume the account value has increased to       
$110,000 at the first contract anniversary due to good market performance. The  
Automatic Annual Step-Up will increase the Total Guaranteed Withdrawal Amount   
from $107,250 to $110,000 and reset the Annual Benefit Payment to $5,500        
($110,000 x 5%).                                                                

At the second contract anniversary, assuming that no withdrawals are taken, the 
Total Guaranteed Withdrawal Amount is increased to $117,975 ($110,000 increased 
by 7.25%, compounded annually). Assume the account value has increased to       
$120,000 at the second contract anniversary due to good market performance. The 
Automatic Annual Step-Up will increase the Total Guaranteed Withdrawal Amount   
from $117,975 to $120,000 and reset the Annual Benefit Payment to $6,000        
($120,000 x 5%).                                                                

Assuming that no withdrawals are taken, each year the Total Guaranteed          
Withdrawal Amount would increase by 7.25%, compounded annually, from the second 
contract anniversary through the ninth contract anniversary, and at that point  
would be equal to $195,867. Assume that during these contract years the account 
value does not exceed the Total Guaranteed Withdrawal Amount due to poor market 
performance. Assume the account value at the ninth contract anniversary has     

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increased to $200,000 due to good market performance. The Automatic Annual      
Step-Up will increase the Total Guaranteed Withdrawal Amount from $195,867 to   
$200,000 and reset the Annual Benefit Payment to $10,000 ($200,000 x 5%).       

At the 10th contract anniversary, assuming that no withdrawals are taken, the   
Total Guaranteed Withdrawal Amount is increased to $214,500 ($200,000 increased 
by 7.25%, compounded annually). Assume the account value is less than $214,500. 
There is no Automatic Annual Step-Up since the account value is below the Total 
Guaranteed Withdrawal Amount; however, due to the 7.25% increase in the Total   
Guaranteed Withdrawal Amount, the Annual Benefit Payment is increased to        
$10,725 ($214,500 x 5%).                                                        

[GRAPHIC APPEARS HERE]                                                          

E.   Enhanced Guaranteed Withdrawal Benefit and GWB I - How Withdrawals Affect  
the Benefit Base                                                                

1.   An initial purchase payment is made of $100,000. The initial Benefit   
  Base would be $105,000 ($100,000 + 5% GWB Bonus Amount). Assume that the
account value grew to $110,000 because of market performance. If a    
subsequent withdrawal of $10,000 were made, the Benefit Base would be 
   reduced to $105,000 - $10,000 = $95,000. Assume the withdrawal of $10,000
  exceeded the Annual Benefit Payment. Since the account value of $100,000
  exceeds the Benefit Base of $95,000, no further reduction to the Benefit
Base is made.                                                         

2.   An initial purchase payment is made of $100,000. The initial Benefit   
 Base would be $105,000. Assume that the account value shrank to $90,000
   because of market performance. If a subsequent withdrawal of $10,000 were
  made, the Benefit Base would be reduced to $95,000 and the account value
    would be reduced to $80,000. Assume the withdrawal of $10,000 exceeded the
 Annual Benefit Payment. Since the account value of $80,000 is less than
    the Benefit Base of $95,000, a further reduction of the $15,000 difference
is made, bringing the Benefit Base to $80,000.                        

F.   Enhanced Guaranteed Withdrawal Benefit and GWB I - How Withdrawals and     
Subsequent Purchase Payments Affect the Annual Benefit Payment              

An initial purchase payment is made of $100,000. The initial Benefit Base would 
be $105,000 and the initial Annual Benefit Payment would be $7,350 ($105,000 x  
7%). If $7,000 withdrawals were then made for each of the next five years, the  
Benefit Base would be decreased to $70,000. If a subsequent purchase payment of 
$10,000 were made the next day, the Benefit Base would be increased to $70,000  
+ $10,000 + (5% x $10,000) = $80,500. The Annual Benefit Payment would be reset 
to the greater of a) $7,350 (the Annual Benefit Payment before the second       
purchase payment) and b) $5,635 (7% multiplied by the Benefit Base after the    
second purchase payment). In this case, the Annual Benefit Payment would remain 
at $7,350.                                                                      

G.   Enhanced Guaranteed Withdrawal Benefit and GWB I - How Withdrawals Affect  
the Annual Benefit Payment                                                      

1.   An initial purchase payment is made of $100,000. The initial Benefit   
Base would be $105,000 and the initial Annual Benefit Payment would be
$7,350. If a withdrawal of $9,000 was made the next day, and negative 
market                                                                

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    performance reduced the account value by an additional $1,000, the account
   value would be reduced to $100,000 - $9,000 - $1,000 = $90,000. Since the
 withdrawal of $9,000 exceeded the Annual Benefit Payment of $7,350, the
Annual Benefit Payment would be reset to the lower of a) $7,350 (the  
    Annual Benefit Payment before the withdrawal) and b) $6,300 (7% multiplied
by the account value after the withdrawal). In this case the Annual   
Benefit Payment would be reset to $6,300.                             

2.   An initial purchase payment is made of $100,000. The initial Benefit   
Base would be $105,000 and the initial Annual Benefit Payment would be
$7,350. If a withdrawal of $10,000 was made two years later after the 
account value had increased to $150,000, the account value would be   
  reduced to $140,000. Since the withdrawal of $10,000 exceeded the Annual
 Benefit Payment of $7,350, the Annual Benefit Payment would be reset to
   the lower of a) $7,350 (the Annual Benefit Payment before the withdrawal)
  and b) $9,800 (7% multiplied by the account value after the withdrawal).
In this case the Annual Benefit Payment would remain at $7,350.       

H.   Enhanced Guaranteed Withdrawal Benefit and GWB I - How Withdrawals and     
Subsequent Purchase Payments Affect the Guaranteed Withdrawal Amount        

An initial purchase payment is made of $100,000 and the initial Guaranteed      
Withdrawal Amount and initial Benefit Base would both be $105,000. Assume that  
over the next five years, withdrawals reduced the Benefit Base to $70,000. If a 
subsequent purchase payment of $10,000 was made, the Benefit Base would be      
increased to $70,000 + $10,000 + (5% x $10,000) = $80,500. The Guaranteed       
Withdrawal Amount would be reset to the greater of a) $105,000 (the Guaranteed  
Withdrawal Amount before the second purchase payment) and b) $80,500 (the       
Benefit Base after the second purchase payment). In this case, the Guaranteed   
Withdrawal Amount would remain at $105,000.                                     

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I.   Enhanced Guaranteed Withdrawal Benefit and GWB I - Putting It All Together 

1.   When Withdrawals Do Not Exceed the Annual Benefit Payment        

An initial purchase payment is made of $100,000. The initial Benefit Base would 
be $105,000, the Guaranteed Withdrawal Amount would be $105,000, and the Annual 
Benefit Payment would be $7,350. Assume that the Benefit Base was reduced to    
$82,950 due to 3 years of withdrawing $7,350 each year and assume that the      
account value was further reduced to $50,000 at year four due to poor market    
performance. If you withdrew $7,350 at this time, your account value would be   
reduced to $50,000 - $7,350 = $42,650. Your Benefit Base would be reduced to    
$82,950 - $7,350 = $75,600. Since the withdrawal of $7,350 did not exceed the   
Annual Benefit Payment, there would be no additional reduction to the Benefit   
Base. The Guaranteed Withdrawal Amount would remain at $105,000 and the Annual  
Benefit Payment would remain at $7,350.                                         

[GRAPHIC APPEARS HERE]                                                          

                                                                [Download Table]

     Annual                                     
     Benefit   Cumulative   Account     Benefit 
     Payment   Withdrawal   Value       Base    
                                                
 0   $0        $0           $100,000    $105,000
 1     7,350        7,350     85,000      97,650
 2     7,350        7,350     68,000      90,300
 3     7,350        7,350     50,000      82,950
 4     7,350        7,350     42,650      75,600
 5     7,350        7,350     35,300      68,250
 6     7,350        7,350     27,950      60,900
 7     7,350        7,350     20,600      53,550
 8     7,350        7,350     13,250      46,200
 9     7,350        7,350      5,900      38,850
10     7,350        7,350          0      31,500
11     7,350        7,350          0      24,150
12     7,350        7,350          0      16,800
13     7,350        7,350          0       9,450
14     7,350        7,350          0       2,100
15     2,100        2,100          0           0
16                                              
17                                              
18                                              

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2.   When Withdrawals Do Exceed the Annual Benefit Payment                  

An initial purchase payment is made of $100,000. The initial Benefit Base would 
be $105,000, the Guaranteed Withdrawal Amount would be $105,000, and the Annual 
Benefit Payment would be $7,350. Assume that the Benefit Base was reduced to    
$82,950 due to 3 years of withdrawing $7,350 each year. Assume the account      
value was further reduced to $50,000 at year four due to poor market            
performance. If you withdrew $10,000 at this time, your account value would be  
reduced to $50,000 - $10,000 = $40,000. Your Benefit Base would be reduced to   
$82,950 - $10,000 = $72,950. Since the withdrawal of $10,000 exceeded the       
Annual Benefit Payment of $7,350 and the resulting Benefit Base would be        
greater than the resulting account value, there would be an additional          
reduction to the Benefit Base. The Benefit Base after the withdrawal would be   
set equal to the account value after the withdrawal = $40,000. The Annual       
Benefit Payment would be set equal to the lesser of $7,350 and 7% x $40,000 =   
$2,800. The Guaranteed Withdrawal Amount would remain at $105,000, but this     
amount now no longer would be guaranteed to be received over time. The new      
Benefit Base of $40,000 would be now the amount guaranteed to be available to   
be withdrawn over time.                                                         

[GRAPHIC APPEARS HERE]                                                          

                                                                [Download Table]

     Annual                                      
     Benefit   Cumulative    Account     Benefit 
     Payment   Withdrawals   Value       Base    
                                                 
 0   $0        $0            $100,000    $105,000
 1     7,350         7,350     85,000      97,650
 2     7,350         7,350     68,000      90,300
 3     7,350         7,350     50,000      82,950
 4     7,350        10,000     40,000      40,000
 5     2,800         2,800     37,200      37,200
 6     2,800         2,800     34,400      34,400
 7     2,800         2,800     31,600      31,600
 8     2,800         2,800     28,800      28,800
 9     2,800         2,800     26,000      26,000
10     2,800         2,800     23,200      23,200
11     2,800         2,800     20,400      20,400
12     2,800         2,800     17,600      17,600
13     2,800         2,800     14,800      14,800
14     2,800         2,800     12,000      12,000
15     2,800         2,800      9,200       9,200
16     2,800         2,800      6,400       6,400
17     2,800         2,800      3,600       3,600
18     2,800         2,800        800         800

J.   Enhanced GWB -  How the Optional Reset Works (may be elected prior to age  
                                                     86)

Assume that a contract had an initial purchase payment of $100,000 and the fee  
is 0.55%. The initial account value would be $100,000, the initial Benefit Base 
would be $105,000, the Guaranteed Withdrawal Amount would be $105,000 and the   
Annual Benefit Payment would be $7,350 (assuming you began withdrawing in your  
first year).                                                                    

The account value on the third contract anniversary grew due to market          
performance to $148,350. Assume the fee remains at 0.55%. If an Optional Reset  
is elected or Automatic Annual Resets are in effect, the charge would remain at 
0.55%, the Guaranteed Withdrawal Amount and the Benefit Base would both be      
reset to $148,350, and the Annual Benefit Payment would become 7% x $148,350 =  
$10,385.                                                                        

The account value on the sixth contract anniversary grew due to market          
performance to $179,859. Assume the fee has been increased to 0.60%. If an      
Optional Reset is elected or Automatic Annual Resets are in effect, the charge  
would increase to 0.60%, the Guaranteed Withdrawal Amount and the Benefit Base  
would both be reset to $179,859, and the Annual Benefit Payment would become 7% 
x $179,859 = $12,590.                                                           

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The account value on the ninth contract anniversary grew due to market          
performance to $282,582. Assume the fee is still 0.60%. If an Optional Reset is 
elected or Automatic Annual Resets are in effect, the charge would remain at    
0.60%, the Guaranteed Withdrawal Amount and the Benefit Base would both be      
reset to $282,582, and the Annual Benefit Payment would become 7% x $282,582 =  
$19,781.                                                                        

The period of time over which the Annual Benefit Payment may be taken would be  
lengthened.                                                                     

[GRAPHIC APPEARS HERE]                                                          

                                                                [Download Table]

     Annual                        
     Benefit   Cumulative   Account
     Payment   Withdrawal   Value  
                                   
 1      7350         7350    105000
 2      7350        14700    125000
 3      7350        22050    130000
 4     10385        32435    148350
 5     10385        42819    185000
 6     10385        53204    195000
 7     12590        65794    179859
 8     12590        78384    210000
 9     12590        90974    223000
10     19781       110755    282582
11     19781       130535    270000
12     19781       150316    278000
13         0            0    315000

K.   Enhanced GWB -  How a one-time Optional Reset May Increase the Benefit     
Base While Decreasing the Guaranteed Withdrawal Amount and Annual Benefit   
Payment                                                                     

Assume that a contract had an initial purchase payment of $100,000. The initial 
account value would be $100,000, the initial Benefit Base would be $105,000,    
the Guaranteed Withdrawal Amount would be $105,000 and the Annual Benefit       
Payment would be $7,350.                                                        

Assume that the Benefit Base is reduced to $70,000 due to 5 years of            
withdrawing $7,000 each year, but also assume that, due to positive market      
performance, the account value at the end of 5 years is $80,000. If a one-time  
Optional Reset is elected, the Benefit Base would be reset from $70,000 to      
$80,000, the Guaranteed Withdrawal Amount would be reduced from $105,000 to     
$80,000, and the Annual Benefit Payment would be reduced from $7,350 to $5,600  
($80,000 x 7%). (If you elect Automatic Annual Resets, a reset will not occur   
if the account value is lower than the Guaranteed Withdrawal Amount.)           

Under these circumstances, the one-time Optional Reset increases the Benefit    
Base (the remaining amount of money you are guaranteed to receive) by $10,000,  
but also reduces the Annual Benefit Payment, thereby lengthening the period of  
time over which you will receive the money. This Optional Reset also reduces    
the Guaranteed Withdrawal Amount, against which the GWB rider charge is         
calculated. If the GWB rider charge fee rate does not increase in connection    
with the Optional Reset, the reduced Guaranteed Withdrawal Amount will result   
in a reduction in the amount of the annual GWB rider charge.                    

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L.   Enhanced GWB and GWB I -  Annual Benefit Payment Continuing When Account   
Value Reaches Zero                                                              

Assume that a contract had an initial purchase payment of $100,000. The initial 
account value would be $100,000, the initial Benefit Base would be $105,000 and 
the initial Annual Benefit Payment would be $7,350 ($105,000 x 7%).             

Assume that the Benefit Base was reduced to $31,500 due to 10 years of          
withdrawing $7,350 each year and assume that the account value was further      
reduced to $0 at year 11 due to poor market performance. We would commence      
making payments to you (equal, on an annual basis, to the Annual Benefit        
Payment) until the Benefit Base is exhausted.                                   

In this situation (assuming monthly payments), there would be 51 payments of    
$612.50 and a final payment of $262.50, which, in sum, would deplete the        
$31,500 Benefit Base. The total amount withdrawn over the life of the contract  
would then be $105,000.                                                         

[GRAPHIC APPEARS HERE]                                                          

                                                                [Download Table]

Annual                                       
Benefit   Cumulative    Account      Benefit 
Payment   Withdrawals   Value        Base    
                                             
$7350     $7,350        $100,000     $105,000
   7350        14,700      73,000      97,650
   7350        22,050      52,750      90,300
   7350        29,400    37,562.5      82,950
   7350        36,750   26,171.88      75,600
   7350        44,100   17,628.91      68,250
   7350        51,450   11,221.68      60,900
   7350        58,800    6,416.26      53,550
   7350        66,150   2,812.195      46,200
   7350        73,500    109.1461      38,850
   7350        80,850           0      31,500
   7350        88,200           0      24,150
   7350        95,550           0      16,800
   7350       102,900           0       9,450
  2,100       105,000           0       2,100
      0                                     0

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APPENDIX F                                                                      

DEATH BENEFIT EXAMPLES                                                          

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

PRINCIPAL PROTECTION DEATH BENEFIT                                              

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

                                                        [Enlarge/Download Table]

                                                 DATE                         AMOUNT         
                                    ------------------------------  -------------------------
                                                                                             
A  Initial Purchase Payment                   10/1/2011             $100,000                 
B  Account Value                              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 Value                              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            10/2/2013                       10%            
   Value                                                            (= F/D)                  
H  Account Value after Withdrawal             10/2/2013             $ 81,000                 
                                                                    (= D-F)                  
I  Purchase Payments reduced for           As of 10/2/2013          $ 90,000                 
   Withdrawal                                                       (= A-(A x G))            
J  Death Benefit                              10/2/2013             $ 90,000                 
                                                                    (= greater of H and I)   

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

Purchaser is age 60 at issue.                                                   

The account values on 10/1/13 and 10/2/13 are assumed to be equal prior to the  
withdrawal.                                                                     

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ANNUAL STEP-UP DEATH BENEFIT                                                    

The purpose of this example is to show how partial withdrawals reduce the       
Annual Step-Up death benefit proportionately by the percentage reduction in     
account value attributable to each partial withdrawal.                          

                                                        [Enlarge/Download Table]

                                                       DATE                         AMOUNT         
                                          ------------------------------  -------------------------
                                                                                                   
A  Initial Purchase Payment                         10/1/2011             $100,000                 
B  Account Value                                    10/1/2012             $104,000                 
                                          (First Contract Anniversary)                             
C  Death Benefit (Highest Anniversary            As of 10/1/2012          $104,000                 
   Value)                                                                 (= greater of A and B)   
D  Account Value                                    10/1/2013             $ 90,000                 
                                          (Second Contract Anniversary)                            
E  Death Benefit (Highest Contract Year             10/1/2013             $104,000                 
   Anniversary)                                                           (= greater of B and D)   
F  Withdrawal                                       10/2/2013             $  9,000                 
G  Percentage Reduction in Account                  10/2/2013                       10%            
   Value                                                                  (= F/D)                  
H  Account Value 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                                                                
----------------                                                                

Purchaser is age 60 at issue.                                                   

The account values on 10/1/13 and 10/2/13 are assumed to be equal prior to the  
withdrawal.                                                                     

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COMPOUNDED-PLUS DEATH BENEFIT                                                   

The purpose of this example is to show how partial withdrawals reduce the       
Compounded-Plus death benefit proportionately by the percentage reduction in    
account value attributable to each partial withdrawal.                          

                                                        [Enlarge/Download Table]

                                                       DATE                          AMOUNT            
                                           ----------------------------  ------------------------------
                                                                                                       
 A  Initial Purchase Payment                        10/1/2011            $100,000                      
 B  Account Value                           10/1/2012 (First Contract    $104,000                      
                                                  Anniversary)                                         
C1  Account Value (Highest Anniversary              10/1/2012            $104,000                      
    Value)                                                               (= greater of A and B)        
C2  5% Annual Increase Amount                       10/1/2012            $105,000                      
                                                                         (= A x 1.05)                  
C3  Death Benefit                                As of 10/1/2012         $105,000                      
                                                                         (= greater of C1 and C2)      
 D  Account Value                          10/1/2013 (Second Contract    $ 90,000                      
                                                  Anniversary)                                         
E1  Highest Anniversary Value                       10/1/2013            $104,000                      
                                                                         (= greater of C1 and D)       
E2  5% Annual Increase Amount                    As of 10/1/2013         $110,250                      
                                                                         (= A x 1.05 x 1.05)           
E3  Death Benefit                                   10/1/2013            $110,250                      
                                                                         (= greater of E1 and E2)      
 F  Withdrawal                                      10/2/2013            $  9,000                      
 G  Percentage Reduction in Account                 10/2/2013                         10%              
    Value                                                                (= F/D)                       
 H  Account Value after Withdrawal                  10/2/2013            $ 81,000                      
                                                                         (= D-F)                       
I1  Highest Anniversary Value reduced for        As of 10/2/2013         $ 93,600                      
    Withdrawal                                                           (= E1-(E1 x G))               
I2  5% Annual Increase Amount reduced            As of 10/2/2013         $ 99,238                      
    for Withdrawal                                                         (= E2-(E2 x G). Note: E2    
                                                                              includes additional      
                                                                            day of interest at 5%)     
I3  Death Benefit                                   10/2/2013            $ 99,238                      
                                                                         (= greatest of H, I1 and I2)  

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

Purchaser is age 60 at issue.                                                   

The account values on 10/1/13 and 10/02/13 are assumed to be equal prior to the 
withdrawal.                                                                     

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ENHANCED DEATH BENEFIT                                                          

The purpose of these examples is to illustrate the operation of the death       
benefit base under the Enhanced Death Benefit. (Unless otherwise noted, these   
examples are for the Enhanced Death Benefit II rider.) Example (7) shows how    
required minimum distributions affect the death benefit base when the Enhanced  
Death Benefit II rider is elected with an IRA contract (or another contract     
subject to Section 401(a)(9) of the Internal Revenue Code).                     

(1) WITHDRAWAL ADJUSTMENTS TO ANNUAL INCREASE AMOUNT                            

 Dollar-for-dollar adjustment when withdrawal is less than or equal to 5% of
 ---------------------------------------------------------------------------
the Annual Increase Amount from the prior contract anniversary            
--------------------------------------------------------------            

Assume the initial purchase payment is $100,000 and the Enhanced Death    
Benefit II is selected. Assume that during the first contract year, $5,000
is withdrawn. Because the withdrawal is less than or equal to 5% of the   
Annual Increase Amount from the prior contract anniversary, the Annual    
Increase Amount is reduced by the withdrawal on a dollar-for-dollar basis to
$100,000 ($100,000 increased by 5% per year, compounded annually, less      
$5,000 = $100,000). Assuming no other purchase payments or withdrawals are  
made before the second contract anniversary, the Annual Increase Amount at  
the second contract anniversary will be $105,000 ($100,000 increased by 5%  
per year, compounded annually).                                             

Proportionate adjustment when withdrawal is greater than 5% of the Annual 
------------------------------------------------------------------------- 
Increase Amount from the prior contract anniversary                       
---------------------------------------------------                       

Assume the initial purchase payment is $100,000 and the Enhanced Death    
Benefit II is selected. Assume the account value at the first contract    
anniversary is $100,000. The Annual Increase Amount at the first contract 
 anniversary will be $105,000 ($100,000 increased by 5% per year, compounded
annually). Assume that on the first contract anniversary, $10,000 is      
withdrawn (leaving an account balance of $90,000). Because the withdrawal 
is greater than 5% of the Annual Increase Amount from the prior contract  
anniversary, the Annual Increase Amount is reduced by the value of the    
Annual Increase Amount immediately prior to the withdrawal ($105,000)     
multiplied by the percentage reduction in the account value attributed to 
 that withdrawal (10%). Therefore, the new Annual Increase Amount is $94,500
 ($105,000 x 10% = $10,500; $105,000 - $10,500 = $94,500). Assuming no other
purchase payments or withdrawals are made before the second contract      
anniversary, the Annual Increase Amount at the second contract anniversary
will be $99,225 ($94,500 increased by 5% per year, compounded annually).  

 (For contracts issued with the EDB Max rider, and for contracts issued with
the Enhanced Death Benefit I rider based on applications and necessary    
information received in good order at our Annuity Service Center on or    
before May 1, 2009, the annual increase rate is 6% per year. See "Death   
Benefit -  Optional Death Benefits -  EDB Max and Enhanced Death Benefit  
II.")                                                                     

(2) THE 5% ANNUAL INCREASE AMOUNT                                               

Example                                                                   
-------                                                                   

Assume the contract owner is a male, age 55 at issue, and he elects the   
Enhanced Death Benefit II rider. He makes an initial purchase payment of  
 $100,000, and makes no additional purchase payments or partial withdrawals.
On the contract issue date, the 5% Annual Increase Amount is equal to     
$100,000 (the initial purchase payment). The 5% Annual Increase Amount is 
calculated at each contract anniversary (through the contract anniversary 
on or following the contract owner's 90th birthday). At the tenth contract
anniversary, when the contract owner is age 65, the 5% Annual Increase    
Amount is $162,889 ($100,000 increased by 5% per year, compounded         
annually). See section (3) below for an example of the calculation of the 
Highest Anniversary Value.                                                

Determining a death benefit based on the Annual Increase Amount           
---------------------------------------------------------------           

Assume that you make an initial purchase payment of $100,000. Prior to    
annuitization, your account value fluctuates above and below your initial 
 purchase payment depending on the investment performance of the subaccounts
 you selected. The 5% Annual Increase Amount, however, accumulates an amount
equal to your purchase payments at the                                    

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Annual Increase Rate of 5% per year, until the contract anniversary on or   
following the contract owner's 90th birthday. The 5% Annual Increase Amount 
is also adjusted for any withdrawals (including any applicable withdrawal   
charge) made during this period. The 5% Annual Increase Amount is the value 
upon which a future death benefit amount can be based (if it is greater than
the Highest Anniversary Value and account value on the date the death       
benefit amount is determined).                                              

(3) THE HIGHEST ANNIVERSARY VALUE (HAV)                                         

Example                                                                   
-------                                                                   

 Assume, as in the example in section (2) above, the contract owner is a male,
age 55 at issue, and he elects the Enhanced Death Benefit II rider. He  
makes an initial purchase payment of $100,000, and makes no additional  
 purchase payments or partial withdrawals. On the contract issue date, the
Highest Anniversary Value is equal to $100,000 (the initial purchase    
payment). Assume the account value on the first contract anniversary is 
$108,000 due to good market performance. Because the account value is   
greater than the Highest Anniversary Value ($100,000), the Highest      
  Anniversary Value is set equal to the account value ($108,000). Assume the
account value on the second contract anniversary is $102,000 due to poor
market performance. Because the account value is less than the Highest  
Anniversary Value ($108,000), the Highest Anniversary Value remains     
$108,000.                                                               

  Assume this process is repeated on each contract anniversary until the tenth
contract anniversary, when the account value is $155,000 and the Highest  
Anniversary Value is $150,000. The Highest Anniversary Value is set equal 
to the account value ($155,000).                                          

Determining a death benefit based on the Highest Anniversary Value        
------------------------------------------------------------------        

Prior to annuitization, the Highest Anniversary Value begins to lock in   
growth. The Highest Anniversary Value is adjusted upward each contract    
 anniversary if the account value 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 is the value upon 
 which a future death benefit amount can be based (if it is greater than the
Annual Increase Amount and account value on the date the death benefit    
amount is determined).                                                    

(4) PUTTING IT ALL TOGETHER                                                     

Example                                                                   
-------                                                                   

Continuing the examples in sections (2) and (3) above, assume the contract
owner dies after the tenth contract anniversary but prior to the eleventh 
contract anniversary, and on the date the death benefit amount is         
determined, the account value is $150,000 due to poor market performance. 
Because the 5% Annual Increase Amount ($162,889) is greater than the      
Highest Anniversary Value ($155,000), the 5% Annual Increase Amount       
($162,889) is used as the death benefit base. Because the death benefit   
base ($162,889) is greater than the account value ($150,000), the death   
benefit base will be the death benefit amount.                            

  The above example does not take into account the impact of premium and other
taxes. THE DEATH BENEFIT BASE IS NOT AVAILABLE FOR CASH WITHDRAWALS AND IS
ONLY USED FOR PURPOSES OF CALCULATING THE DEATH BENEFIT AMOUNT AND THE    
CHARGE FOR THE BENEFIT.                                                   

(5) THE OPTIONAL STEP-UP                                                        

Assume your initial purchase payment is $100,000 and no withdrawals are taken.  
The 5% Annual Increase Amount increases to $105,000 on the first anniversary    
($100,000 increased by 5% per year, compounded annually). Assume your account   
value at the first contract anniversary is $110,000 due to good market          
performance, and you elect an Optional Step-Up.                                 

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The effect of the Optional Step-Up election is:                                 

 (1) The 5% Annual Increase Amount resets from $105,000 to $110,000; and

(2) The Enhanced Death Benefit II rider charge is reset to the fee we charge  
new contract owners for the Enhanced Death Benefit II at that time.   

The 5% Annual Increase Amount increases to $115,500 on the second anniversary   
($110,000 increased by 5% per year, compounded annually). Assume your account   
value at the second contract anniversary is $112,000 due to poor market         
performance. You may NOT elect an Optional Step-Up at this time, because the    
account value is less than the 5% Annual Increase Amount                        

(6) THE OPTIONAL STEP-UP: AUTOMATIC ANNUAL STEP-UP                              

Assume your initial purchase payment is $100,000 and no withdrawals are taken.  
The 5% Annual Increase Amount increases to $105,000 on the first anniversary    
($100,000 increased by 5% per year, compounded annually). Assume your account   
value at the first contract anniversary is $110,000 due to good market          
performance, and you elected Optional Step-Ups to occur under the Automatic     
Annual Step-Up feature prior to the first contract anniversary. Because your    
account value is higher than your 5% Annual Increase Amount, an Optional        
Step-Up will automatically occur.                                               

The effect of the Optional Step-Up is:                                          

 (1) The 5% Annual Increase Amount automatically resets from $105,000 to
$110,000; and                                                         

(2) The Enhanced Death Benefit II rider charge is reset to the fee we charge  
new contract owners for the Enhanced Death Benefit II at that time.   

The 5% Annual Increase Amount increases to $115,500 on the second anniversary   
($110,000 increased by 5% per year, compounded annually). Assume your account   
value at the second contract anniversary is $120,000 due to good market         
performance, and you have not discontinued the Automatic Annual Step-Up         
feature. Because your account value is higher than your 5% Annual Increase      
Amount, an Optional Step-Up will automatically occur.                           

The effect of the Optional Step-Up is:                                          

 (1) The 5% Annual Increase Amount automatically resets from $115,500 to
$120,000; and                                                         

(2) The Enhanced Death Benefit II rider charge is reset to the fee we charge  
new contract owners for the Enhanced Death Benefit II at that time.   

Assume your account value increases by $10,000 at each contract anniversary in  
years three through seven. At each contract anniversary, your account value     
would exceed the 5% Annual Increase Amount and an Optional Step-Up would        
automatically occur (provided you had not discontinued the Automatic Annual     
Step-Up feature, and other requirements were met).                              

The effect of the Optional Step-Up is:                                          

(1) The 5% Annual Increase Amount automatically resets to the higher  
account value; and                                                    

(2) The Enhanced Death Benefit II rider charge is reset to the fee we charge  
new contract owners for the Enhanced Death Benefit II at that time.   

After the seventh contract anniversary, the initial Automatic Annual Step-Up    
election expires. Assume you do not make a new election of the Automatic Annual 
Step-Up. The 5% Annual Increase Amount increases to $178,500 on the eighth      
anniversary ($170,000 increased by 5% per year, compounded annually). Assume    
your account value at the eighth contract anniversary is $160,000 due to poor   
market performance. An Optional Step-Up is NOT permitted because your account   
value is lower than your 5% Annual Increase Amount. However, because the        
Optional Step-Up has locked-in previous gains, the 5% Annual Increase Amount    
remains at $178,500 despite poor market performance, and, provided the rider    
continues in effect, will continue to grow at 5% annually (subject to           
adjustments for additional purchase payments and/or                             

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withdrawals) through the contract anniversary on or after your 90th birthday.   
Also, note the Enhanced Death Benefit II rider charge remains at its current    
level.                                                                          

(7) REQUIRED MINIMUM DISTRIBUTION EXAMPLES -  ENHANCED DEATH BENEFIT II         

The following examples only apply to IRAs and other contracts subject to        
Section 401(a)(9) of the Internal Revenue Code. Assume an IRA contract is       
issued on September 1, 2011 and the Enhanced Death Benefit II rider is          
selected. Assume that on the first contract anniversary (September 1, 2012),    
the Annual Increase Amount is $100,000. Assume the required minimum             
distribution amount for 2012 with respect to this contract is $6,000, and the   
required minimum distribution amount for 2013 with respect to this contract is  
$7,200. Assume that on both the first contract anniversary (September 1, 2012)  
and the second contract anniversary (September 1, 2013) the account value is    
$100,000. On the second contract anniversary, the annual increase rate is the   
greatest of:                                                                    

(a) 5%;                                                                       

(b) the total withdrawals during the contract year under the Automated        
Required Minimum Distribution Program and/or the Systematic Withdrawal
Program (up to a maximum of 5% of the Annual Increase Amount at the   
   beginning of the contract year), divided by the Annual Increase Amount at
the beginning of the contract year; or                                

(c) the required minimum distribution amount for 2012 ($6,000) or for 2013    
($7,200), whichever is greater, divided by the Annual Increase Amount as
of September 1, 2012 ($100,000).                                        

Because $7,200 (the required minimum distribution amount for 2013) is greater   
than $6,000 (the required minimum distribution amount for 2012), (c) is equal   
to $7,200 divided by $100,000, or 7.2%.                                         

(If a contract is issued with the EDB Max rider instead of the Enhanced Death   
Benefit II rider, (a) is 6% instead of 5%. See "Death Benefit -  Optional Death 
Benefits -  EDB Max and Enhanced Death Benefit II.")                            

(i) Withdrawals Through the Automated Required Minimum Distribution   
 ---------------------------------------------------------------
Program                                                                         
-------                                                                         

If the contract owner enrolls in the Automated Required Minimum Distribution    
Program and elects monthly withdrawals, the owner will receive $6,800 over the  
second contract year (from September 2012 through August 2013). Assuming the    
owner makes no withdrawals outside the Automated Required Minimum Distribution  
Program, on September 1, 2013, the Annual Increase Amount will be increased to  
$100,400. This is calculated by increasing the Annual Increase Amount from      
September 1, 2012 ($100,000) by the annual increase rate (7.2%) and subtracting 
the total amount withdrawn through the Automated Required Minimum Distribution  
Program ($6,800): $100,000 increased by 7.2% = $107,200; $107,200 - $6,800 =    
$100,400.                                                                       

(Why does the contract owner receive $6,800 under the Automated Required        
Minimum Distribution Program in this example? From September through December   
2012, the owner receives $500 per month ($500 equals the $6,000 required        
minimum distribution amount for 2012 divided by 12). From January through       
August 2013, the owner receives $600 per month ($600 equals the $7,200 required 
minimum distribution amount for 2013 divided by 12). The owner receives $2,000  
in 2012 and $4,800 in 2013, for a total of $6,800.)                             

(ii) Withdrawals Outside the Automated Required Minimum Distribution  
   ---------------------------------------------------------------
Program                                                                         
-------                                                                         

If the contract owner withdraws the $6,000 required minimum distribution amount 
for 2012 in December 2012 and makes no other withdrawals from September 2012    
through August 2013, the Annual Increase Amount on September 1, 2013 will be    
$101,200. This is calculated by increasing the Annual Increase Amount from      
September 1, 2012 ($100,000) by the annual increase rate (7.2%) and subtracting 
the total amount withdrawn ($6,000): $100,000 increased by 7.2% = $107,200;     
$107,200 - $6,000 = $101,200.                                                   

If the contract owner withdraws the $7,200 required minimum distribution amount 
for 2013 in January 2013 and makes no other withdrawals from September 2012     
through August 2013, the Annual Increase Amount on September 1, 2013 will be    
$100,000. This is calculated by increasing the Annual Increase Amount from      
September 1, 2012 ($100,000) by the annual increase rate (7.2%) and subtracting 
the total amount withdrawn ($7,200): $100,000 increased by 7.2% = $107,200;     
$107,200 - $7,200 = $100,000.                                                   

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  (iii) Withdrawals in Excess of the Required Minimum Distribution Amounts
        ------------------------------------------------------------------

Assume the contract owner withdraws $7,250 on September 1, 2012 and makes no    
other withdrawals before the second contract anniversary. Because the $7,250    
withdrawal exceeds the required minimum distribution amounts for 2012 and 2013, 
the annual increase rate will be 5% and the Annual Increase Amount on the       
second contract anniversary (September 1, 2013) will be $97,387.50. On          
September 1, 2012, the Annual Increase Amount is reduced by the value of the    
Annual Increase Amount immediately prior to the withdrawal ($100,000)           
multiplied by the percentage reduction in the account value attributed to the   
withdrawal (7.25%). Therefore, the new Annual Increase Amount is $92,750        
($100,000 x 7.25% = $7,250; $100,000 - $7,250 = $92,750). Assuming no other     
purchase payments or withdrawals are made before the second contract            
anniversary, the Annual Increase Amount on the second contract anniversary      
(September 1, 2013) will be $97,387.50 ($92,750 increased by 5% per year        
compounded annually).                                                           

(iv) No Withdrawals                                                   
--------------                                              

If the contract owner fulfills the minimum distribution requirements by making  
withdrawals from other IRA accounts and does not make any withdrawals from this 
contract, the Annual Increase Amount on September 1, 2013 will be $107,200.     
This is calculated by increasing the Annual Increase Amount from September 1,   
2012 ($100,000) by the annual increase rate (7.2%) and subtracting the total    
amount withdrawn from the contract ($0).                                        

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STATEMENT OF ADDITIONAL INFORMATION 

INDIVIDUAL VARIABLE DEFERRED ANNUITY CONTRACT 

ISSUED BY 

METLIFE INVESTORS USA SEPARATE ACCOUNT A

AND 

METLIFE INVESTORS USA INSURANCE COMPANY 

SERIES VA 

THIS IS NOT A PROSPECTUS. THIS STATEMENT OF ADDITIONAL INFORMATION SHOULD BE    
READ IN CONJUNCTION WITH THE PROSPECTUS DATED MAY 1, 2011, FOR THE INDIVIDUAL   
VARIABLE DEFERRED ANNUITY CONTRACT THAT IS DESCRIBED HEREIN.                    

THE PROSPECTUS CONCISELY SETS FORTH INFORMATION THAT A PROSPECTIVE INVESTOR     
OUGHT TO KNOW BEFORE INVESTING. FOR A COPY OF THE PROSPECTUS WRITE US AT: P.O.  
BOX 10366, DES MOINES, IOWA 50306-0366, OR CALL (800) 343-8496.                 

THIS STATEMENT OF ADDITIONAL INFORMATION IS DATED MAY 1, 2011.                  

SAI-0511USAVA                                                                   

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TABLE OF CONTENTS                           PAGE                                

                                                                [Download Table]
                                               
COMPANY.................................     2 
INDEPENDENT REGISTERED PUBLIC ACCOUNTING       
FIRM....................................     2 
CUSTODIAN...............................     2 
DISTRIBUTION............................     2 
     Reduction or Elimination of the         4 
  Withdrawal Charge  .                         
CALCULATION OF PERFORMANCE INFORMATION       4 
  .                                            
     Total Return.......................     4 
     Historical Unit Values.............     5 
     Reporting Agencies.................     5 
ANNUITY PROVISIONS......................     6 
     Variable Annuity...................     6 
     Fixed Annuity......................     7 
     Mortality and Expense Guarantee....     7 
     Legal or Regulatory Restrictions        7 
  on Transactions  .                           
TAX STATUS OF THE CONTRACTS.............     7 
CONDENSED FINANCIAL INFORMATION.........    10 
FINANCIAL STATEMENTS....................    74 

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COMPANY                                                                         

MetLife Investors USA Insurance Company (MetLife Investors USA) is a stock life 
insurance company founded on September 13, 1960, and organized under the laws   
of the State of Delaware. Its principal executive offices are located at 5 Park 
Plaza, Suite 1900 Irvine, CA 92614. MetLife Investors USA is authorized to      
transact the business of life insurance, including annuities, and is currently  
licensed to do business in all states (except New York) and the District of     
Columbia. On October 11, 2006, MetLife Investors USA became a wholly-owned      
subsidiary of MetLife Insurance Company of Connecticut. We changed our name to  
MetLife Investors USA Insurance Company on January 8, 2001. On December 31,     
2002, MetLife Investors USA became an indirect subsidiary of MetLife, Inc., a   
listed company on the New York Stock Exchange. MetLife, Inc., through its       
subsidiaries and affiliates, is a leading provider of insurance and other       
financial services to individual and institutional customers.                   

INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM                                   

The financial statements and financial highlights comprising each of the        
Sub-Accounts of MetLife Investors USA Separate Account A included in this       
Statement of Additional Information, have been audited by Deloitte & Touche     
LLP, an independent registered public accounting firm, as stated in their       
report appearing herein. Such financial statements and financial highlights     
have been so included in reliance upon the report of such firm given upon their 
authority as experts in accounting and auditing.                                

The financial statements of MetLife Investors USA Insurance Company (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 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.                                           

CUSTODIAN                                                                       

MetLife Investors USA Insurance Company, 5 Park Plaza, Suite 1900, Irvine, CA   
92614, is the custodian of the assets of the Separate Account. The custodian    
has custody of all cash of the Separate Account and handles the collection of   
proceeds of shares of the underlying funds bought and sold by the Separate      
Account.                                                                        

DISTRIBUTION                                                                    

Information about the distribution of the contracts is contained in the         
prospectus. (See "Other Information.") Additional information is provided       
below.                                                                          

The contracts are offered to the public on a continuous basis. We anticipate    
continuing to offer the contracts, but reserve the right to discontinue the     
offering.                                                                       

MetLife Investors Distribution Company ("Distributor") serves as principal      
underwriter for the contracts. Distributor is a Missouri corporation and its    
home office is located at 5 Park Plaza, Suite 1900, Irvine, CA 92614. In        
December 2004, MetLife Investors Distribution Company, which was then a         
Delaware corporation, was merged into General American Distributors, Inc., and  
the name of the surviving corporation was changed to MetLife Investors          
Distribution Company. Distributor is an indirect, wholly-owned subsidiary of    
MetLife, Inc. Distributor is registered as a broker-dealer with the Securities  
and Exchange Commission under the Securities Exchange Act of 1934 and is a      
member of the Financial Industry Regulatory Authority ("FINRA"). Distributor is 
not a member of the Securities Investor Protection Corporation. Distributor has 
entered into selling agreements with other broker-dealers ("selling firms") and 
compensates them for their services.                                            

Distributor (including its predecessor) received sales compensation with        
respect to all contracts issued from the                                        

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Separate Account in the following amounts during the periods indicated:         

                                                                [Download Table]

                                           Aggregate Amount of 
                                           Commissions Retained
                  Aggregate Amount of      by Distributor After
                  Commissions Paid to      Payments to Selling 
Fiscal year           Distributor                 Firms        
-------------    ---------------------    ---------------------
                                                               
2010             $619,659,806             $0                   
2009             $444,461,790             $0                   
2008             $357,776,663             $0                   

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

As noted in the prospectus, we and Distributor pay compensation to all selling  
firms in the form of commissions and certain types of non-cash compensation. We 
and Distributor may pay additional compensation to selected firms, including    
marketing allowances, introduction fees, persistency payments, preferred status 
fees and industry conference fees. The terms of any particular agreement        
governing compensation may vary among selling firms and the amounts may be      
significant. The amount of additional compensation (non-commission amounts)     
paid to selected selling firms during 2010 ranged from $531 to $17,875,819*.    
The amount of commissions paid to selected selling firms during 2010 ranged     
from $75 to $55,116,180. The amount of total compensation (includes             
non-commission as well as commission amounts) paid to selected selling firms    
during 2010 ranged from $75 to $72,992,000*.                                    

* For purposes of calculating this range, the additional compensation           
(non-commission) amounts received by a selling firm includes additional         
compensation received by the firm for the sale of insurance products issued by  
our affiliates First MetLife Investors Insurance Company, MetLife Investors     
Insurance Company and MetLife Insurance Company of Connecticut.                 

The following list sets forth the names of selling firms that received          
additional compensation in 2010 in connection with the sale of our variable     
annuity contracts, variable life policies and other insurance products          
(including the contracts). The selling firms are listed in alphabetical order.  

Ameriprise Financial Services, Inc.                                             

Associated Securities Corp.                                                     

AXA Advisors LLC                                                                

Bancwest Investment Services, Inc.                                              
Capital Investment Brokerage, Inc.                                              

Capital Investments Group, Inc.                                                 
CCO Investment Services Corp.                                                   
Centaurus Financial, Inc.                                                       
Citigroup Global Markets, Inc.                                                  
Commonwealth Financial Network                                                  
Compass Brokerage, Inc.                                                         
CUSO Financial Services, L.P.                                                   

Edward D. Jones & Co., L.P.                                                     

Essex National Securities, Inc.                                                 

FSC Securities Corporation                                                      

First Allied Securities, Inc.                                                   
First Tennessee Brokerage, Inc.                                                 
Founders Financial Securities, LLC                                              
GunnAllen Financial, Inc.                                                       
H. D. Vest Investment Securities, Inc.                                          
Infinex Investments, Inc.                                                       
InterSecurities, Inc.                                                           

Invest Financial Corp.                                                          
Investment Centers of America, Inc.                                             

Investment Professionals, Inc.                                                  

Investors Captial Corp.                                                         
Janney Montgomery Scott, LLC                                                    
J.J.B. Hilliard, W.L. Lyons, LLC                                                

J. P. Turner & Company                                                          
Key Investment Services LLC                                                     
Lincoln Financial Advisors, Corp.                                               
Lincoln Financial Securities Corporation                                        

Lincoln Investment Planning, Inc.                                               
LPL Financial LLC                                                               

Merrill Lynch, Inc.                                                             
Merrill Lynch Insurance Group                                                   
Morgan Keegan & Company, Inc.                                                   
Morgan Stanley & Co., Inc.                                                      

M&T Securities Inc.                                                             
National Planning Holdings Corporation                                          
National Securities Corp.                                                       

NEXT Financial Group                                                            
NFP Securities, Inc.                                                            

Oppenheimer & Co., Inc.                                                         
Pacific West Securities, Inc.                                                   

Planning Corporation of America                                                 

PNC Investments LLC                                                             

Primerica                                                                       

ProEquities, Inc.                                                               

Raymond James Financial Services, Inc.                                          
RBC Wealth Management                                                           

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Robert W. Baird & Co. Incorporated                                              

Royal Alliance Associates, Inc.                                                 
Sammons Securities Company, LLC                                                 

Securities America, Inc.                                                        
Sigma Financial Corporation                                                     

Signator Investors, Inc.                                                        
SII Investments, Inc.                                                           
Sorento Pacific Financial, LLC                                                  
StagePoint Financial, Inc.                                                      
Stifel Nicolaus & Company                                                       
Transamerica Financial Advisors, Inc.                                           

Tower Square Securities, Inc.                                                   

UBS Financial Services, Inc.                                                    

U.S. Bancorp Investments, Inc.                                                  
United Planners Financial Services of America                                   
UVEST Financial Services Group, Inc.                                            

Valmark Securities, Inc.                                                        
Wall Street Financial Group, Inc.                                               

Walnut Street Securities, Inc.                                                  
Waterstone Financial Group, Inc.                                                

Wells Fargo Advisers, LLC                                                       
Wells Fargo Advisers Financial Network, LLC                                     

Wells Fargo Investments, LLC                                                    
Wescom Financial Services, LLC                                                  

Woodbury Financial Services, Inc.                                               

There are other broker dealers who receive compensation for servicing our       
contracts, and the account value of the contracts or the amount of added        
purchase payments received may be included in determining their additional      
compensation, if any.                                                           

REDUCTION OR ELIMINATION OF THE WITHDRAWAL CHARGE                               

The amount of the withdrawal charge on the contracts may be reduced or          
eliminated when sales of the contracts are made to individuals or to a group of 
individuals in a manner that results in savings of sales expenses. The          
entitlement to reduction of the withdrawal charge will be determined by the     
Company after examination of all the relevant factors such as:                  

1.   The size and type of group to which sales are to be made will be           
    considered. Generally, the sales expenses for a larger group are less than
  for a smaller group because of the ability to implement large numbers of
contracts with fewer sales contacts.                                  

2.   The total amount of purchase payments to be received will be considered.   
Per contract sales expenses are likely to be less on larger purchase  
payments than on smaller ones.                                        

3.   Any prior or existing relationship with the Company will be considered.    
 Per contract sales expenses are likely to be less when there is a prior
existing relationship because of the likelihood of implementing the   
contract with fewer sales contacts.                                   

4.   There may be other circumstances, of which the Company is not presently    
aware, which could result in reduced sales expenses.                  

If, after consideration of the foregoing factors, the Company determines that   
there will be a reduction in sales expenses, the Company may provide for a      
reduction or elimination of the withdrawal charge.                              

The withdrawal charge may be eliminated when the contracts are issued to an     
officer, director or employee of the Company or any of its affiliates. In no    
event will any reduction or elimination of the withdrawal charge be permitted   
where the reduction or elimination will be unfairly discriminatory to any       
person. In lieu of a withdrawal charge waiver, we may provide an account value  
credit.                                                                         

CALCULATION OF PERFORMANCE INFORMATION                                          

TOTAL RETURN                                                                    

From time to time, the Company may advertise performance data. Such data will   
show the percentage change in the value of an accumulation unit based on the    
performance of an investment portfolio over a period of time, usually a         
calendar year, determined by dividing the increase (decrease) in value for that 
unit by the accumulation unit value at the beginning of the period.             

Any such advertisement will include total return figures for the time periods   
indicated in the advertisement. Such total return figures will reflect the      
deduction of the separate account product charges (including certain death      
benefit rider charges), the expenses for the underlying investment portfolio    
being advertised, and any applicable account fee, withdrawal charges, Enhanced  
Death Benefit rider charge, and/or GMIB, GWB or GMAB rider charge. For purposes 
of calculating performance information, the Enhanced Death Benefit rider charge 
and the GWB rider charge are currently reflected as a percentage of account     
value.                                                                          

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Premium taxes are not reflected. The deduction of such charges would reduce any 
percentage increase or make greater any percentage decrease.                    

The hypothetical value of a contract purchased for the time periods described   
in the advertisement will be determined by using the actual accumulation unit   
values for an initial $1,000 purchase payment, and deducting any applicable     
account fee and any applicable sales charge to arrive at the ending             
hypothetical value. The average annual total return is then determined by       
computing the fixed interest rate that a $1,000 purchase payment would have to  
earn annually, compounded annually, to grow to the hypothetical value at the    
end of the time periods described. The formula used in these calculations is:   

P (1 + T)n = ERV                                                            

Where:                                                                          

P = a hypothetical initial payment of $1,000                                

T = average annual total return                                             

n = number of years                                                         

ERV =  ending redeemable value at the end of the time periods used (or      
                  fractional portion thereof) of a hypothetical $1,000
                  payment made at the beginning of the 1, 5 or 10 year
periods used.                     

The Company may also advertise performance data which will be calculated in the 
same manner as described above but which will not reflect the deduction of a    
withdrawal charge, or applicable Enhanced Death Benefit, GMIB, GWB, or GMAB     
rider charge. Premium taxes are not reflected. The deduction of such charges    
would reduce any percentage increase or make greater any percentage decrease.   

Owners should note that the investment results of each investment portfolio     
will fluctuate over time, and any presentation of the investment portfolio's    
total return for any period should not be considered as a representation of     
what an investment may earn or what the total return may be in any future       
period.                                                                         

HISTORICAL UNIT VALUES                                                          

The Company may also show historical accumulation unit values in certain        
advertisements containing illustrations. These illustrations will be based on   
actual accumulation unit values.                                                

In addition, the Company may distribute sales literature which compares the     
percentage change in accumulation unit values for any of the investment         
portfolios against established market indices such as the Standard & Poor's 500 
Composite Stock Price Index, the Dow Jones Industrial Average or other          
management investment companies which have investment objectives similar to the 
investment portfolio being compared. The Standard & Poor's 500 Composite Stock  
Price Index is an unmanaged, unweighted average of 500 stocks, the majority of  
which are listed on the New York Stock Exchange. The Dow Jones Industrial       
Average is an unmanaged, weighted average of thirty blue chip industrial        
corporations listed on the New York Stock Exchange. Both the Standard & Poor's  
500 Composite Stock Price Index and the Dow Jones Industrial Average assume     
quarterly reinvestment of dividends.                                            

REPORTING AGENCIES                                                              

The Company may also distribute sales literature which compares the performance 
of the accumulation unit values of the Contracts with the unit values of        
variable annuities issued by other insurance companies. Such information will   
be derived from the Lipper Variable Insurance Products Performance Analysis     
Service, the VARDS Report or from Morningstar.                                  

The Lipper Variable Insurance Products Performance Analysis Service is          
published by Lipper Analytical Services, Inc., a publisher of statistical data  
which currently tracks the performance of thousands of investment companies.    
The rankings compiled by Lipper may or may not reflect the deduction of         
asset-based insurance charges. The Company's sales literature utilizing these   
rankings will indicate whether or not such charges have been deducted. Where    
the charges have not been deducted, the sales literature will indicate that if  
the charges had been deducted, the ranking might have been lower.               

The VARDS Report is a monthly variable annuity industry analysis compiled by    
Variable Annuity Research & Data Service. The VARDS rankings may or may not     
reflect the deduction of asset-based insurance charges. In addition, VARDS      
prepares risk adjusted rankings, which consider the effects of market risk on   
total return performance. This type of ranking may address the question as to   
which funds provide the highest total return with the least amount of risk.     
Other ranking services may be used as sources of performance comparison, such   
as CDA/Weisenberger.                                                            

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Morningstar rates a variable annuity against its peers with similar investment  
objectives. Morningstar does not rate any variable annuity that has less than   
three years of performance data.                                                

ANNUITY PROVISIONS                                                              

VARIABLE ANNUITY                                                                

A variable annuity is an annuity with payments which: (1) are not predetermined 
as to dollar amount; and (2) will vary in amount in proportion to the amount    
that the net investment factor exceeds the assumed investment return selected.  

The Adjusted Contract Value (the account value, less any applicable premium     
taxes, account fee, and any prorated rider charge) will be applied to the       
applicable Annuity Table to determine the first annuity payment. The Adjusted   
Contract Value is determined on the annuity calculation date, which is a        
business day no more than five (5) business days before the annuity date. The   
dollar amount of the first variable annuity payment is determined as follows:   
The first variable annuity payment will be based upon the annuity option        
elected, the annuitant's age, the annuitant's sex (where permitted by law), and 
the appropriate variable annuity option table. Your annuity rates will not be   
less than those guaranteed in your contract at the time of purchase for the     
assumed investment return and annuity option elected. If, as of the annuity     
calculation date, the then current variable annuity option rates applicable to  
this class of contracts provide a first annuity payment greater than that which 
is guaranteed under the same annuity option under this contract, the greater    
payment will be made.                                                           

The dollar amount of variable annuity payments after the first payment is       
determined as follows:                                                          

1.   the dollar amount of the first variable annuity payment is divided by the  
 value of an annuity unit for each applicable investment portfolio as of
    the annuity calculation date. This establishes the number of annuity units
   for each monthly payment. The number of annuity units for each applicable
  investment portfolio remains fixed during the annuity period, unless you
transfer values from the investment portfolio to another investment   
portfolio;                                                            

2.   the fixed number of annuity units per payment in each investment portfolio 
   is multiplied by the annuity unit value for that investment portfolio for
  the business day for which the annuity payment is being calculated. This
   result is the dollar amount of the payment for each applicable investment
    portfolio, less any account fee. The account fee will be deducted pro rata
out of each annuity payment.                                          

The total dollar amount of each variable annuity payment is the sum of all      
investment portfolio variable annuity payments.                                 

ANNUITY UNIT - The initial annuity unit value for each investment portfolio of  
the Separate Account was set by us.                                             

The subsequent annuity unit value for each investment portfolio is determined   
by multiplying the annuity unit value for the immediately preceding business    
day by the net investment factor for the investment portfolio for the current   
business day and multiplying the result by a factor for each day since the last 
business day which represents the daily equivalent of the AIR you elected.      

(1) the dollar amount of the first annuity payment is divided by the value of   
an annuity unit as of the annuity date. This establishes the number of annuity  
units for each monthly payment. The number of annuity units remains fixed       
during the annuity payment period.                                              

(2) the fixed number of annuity units is multiplied by the annuity unit value   
for the last valuation period of the month preceding the month for which the    
payment is due. This result is the dollar amount of the payment.                

NET INVESTMENT FACTOR - The net investment factor for each investment portfolio 
is determined by dividing A by B and multiplying by (1-C) where:                

A is (i)   the net asset value per share of the portfolio at the end of the     
current business day; plus                                

    (ii)       any dividend or capital gains per share declared on behalf of
               such portfolio that has an ex-dividend date as of the current
business day.                                 

B is       the net asset value per share of the portfolio for the immediately   
preceding business day.                                   

C is (i)   the separate account product charges and for each day since the last 
    business day. The daily charge is equal to the annual separate
account product charges divided by 365; plus              

   (ii)       a charge factor, if any, for any taxes or any tax reserve we
               have established as a result of the operation of the Separate
Account.                                      

Transfers During the Annuity Phase:                                             

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o   You may not make a transfer from the fixed account to the Separate Account; 

o   Transfers among the subaccounts will be made by converting the number of    
annuity units being transferred to the number of annuity units of the   
  subaccount to which the transfer is made, so that the next annuity payment
if it were made at that time would be the same amount that it would have
been without the transfer. Thereafter, annuity payments will reflect    
changes in the value of the new annuity units; and                      

o   You may make a transfer from the variable annuity option to the fixed       
annuity option. The amount transferred from a subaccount of the Separate
Account will be equal to the product of "(a)" multiplied by "(b)"       
  multiplied by "(c)", where (a) is the number of annuity units representing
your interest in the subaccount per annuity payment; (b) is the annuity 
unit value for the subaccount; and (c) is the present value of $1.00 per
payment period for the remaining annuity benefit period based on the    
attained age of the annuitant at the time of transfer, calculated using 
the same actuarial basis as the variable annuity rates applied on the   
annuity date for the annuity option elected. Amounts transferred to the 
fixed annuity option will be applied under the annuity option elected at
the attained age of the annuitant at the time of the transfer using the 
fixed annuity option table. If at the time of transfer, the then current
  fixed annuity option rates applicable to this class of contracts provide a
  greater payment, the greater payment will be made. All amounts and annuity
 unit values will be determined as of the end of the business day on which
the Company receives a notice.                                          

FIXED ANNUITY                                                                   

A fixed annuity is a series of payments made during the annuity phase which are 
guaranteed as to dollar amount by the Company and do not vary with the          
investment experience of the Separate Account. The Adjusted Contract Value on   
the day immediately preceding the annuity date will be used to determine the    
fixed annuity monthly payment. The monthly annuity payment will be based upon   
the annuity option elected, the annuitant's age, the annuitant's sex (where     
permitted by law), and the appropriate annuity option table. Your annuity rates 
will not be less than those guaranteed in your contract at the time of          
purchase. If, as of the annuity calculation date, the then current annuity      
option rates applicable to this class of contracts provide an annuity payment   
greater than that which is guaranteed under the same annuity option under this  
contract, the greater payment will be made.                                     

MORTALITY AND EXPENSE GUARANTEE                                                 

The Company guarantees that the dollar amount of each annuity payment after the 
first annuity payment will not be affected by variations in mortality or        
expense experience.                                                             

LEGAL OR REGULATORY RESTRICTIONS ON TRANSACTIONS                                

If mandated under applicable law, the Company may be required to reject a       
premium payment. The Company may also be required to block a contract owner's   
account and thereby refuse to pay any request for transfers, withdrawals,       
surrenders, death benefits or continue making annuity payments until            
instructions are received from the appropriate regulator.                       

TAX STATUS OF THE CONTRACTS                                                     

Tax law imposes several requirements that variable annuities must satisfy in    
order to receive the tax treatment normally accorded to annuity contracts.      

DIVERSIFICATION. In order for your Non-Qualified Contract to be considered an   
annuity contract for federal income tax purposes, we must comply with certain   
diversification standards with respect to the investments underlying the        
contract. We believe that we satisfy and will continue to satisfy these         
diversification standards. However, the tax law concerning these rules is       
subject to change and to different interpretations. Inadvertent failure to meet 
these standards may be correctable. Failure to meet these standards would       
result in immediate taxation to contract owners of gains under their contracts. 
Consult your tax adviser prior to purchase.                                     

If underlying fund shares are sold directly to tax-qualified retirement plans   
that later lose their tax-qualified status or to non-qualified plans, the       
separate accounts investing in the underlying fund may fail the diversification 
requirements of Section 817, which could have adverse tax consequences for      
variable contract owners, including losing the benefit of tax deferral.         

REQUIRED DISTRIBUTIONS. In order to be treated as an annuity contract for       
Federal income tax purposes, Section 72(s) of the Code generally requires any   
Non-Qualified Contract to contain certain provisions specifying how your        

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interest in the contract will be distributed in the event of the death of an    
owner of the contract (or on the death of, or change in, any primary annuitant  
where the contract is owned by a non-natural person). Specifically, Section     
72(s) requires that: (a) if any owner dies on or after the annuity starting     
date, but prior to the time the entire interest in the contract has been        
distributed, the entire interest in the contract will be distributed at least   
as rapidly as under the method of distribution being used as of the date of     
such owner's death; and (b) if any owner dies prior to the annuity starting     
date, the entire interest in the contract will be distributed within five years 
after the date of such owner's death. These requirements will be considered     
satisfied as to any portion of an owner's interest which is payable to or for   
the benefit of a designated beneficiary and which is distributed over the life  
of such designated beneficiary or over a period not extending beyond the life   
expectancy of that beneficiary, provided that such distributions begin within   
one year of the owner's death. The designated beneficiary refers to a natural   
person designated by the owner as a beneficiary and to whom ownership of the    
contract passes by reason of death. However, if the designated beneficiary is   
the surviving spouse of the deceased owner, the contract may be continued with  
the surviving spouse as the new owner.                                          

The Non-Qualified Contracts contain provisions that are intended to comply with 
these Code requirements, although no regulations interpreting these             
requirements have yet been issued. We intend to review such provisions and      
modify them if necessary to assure that they comply with the applicable         
requirements when such requirements are clarified by regulation or otherwise.   

Other rules may apply to Qualified Contracts.                                   

MANDATORY DISTRIBUTIONS FOR QUALIFIED PLANS. Federal tax law requires that      
minimum annual distributions begin by April 1st of the calendar year following  
the calendar year in which an IRA owner attains age 70  1/2. Participants in    
qualified plans and 403(b) annuities may defer minimum distributions until the  
later of April 1st of the calendar year following the calendar year in which    
they attain age 70  1/2 or the year of retirement (except for 5% or more        
owners). If you own more than one individual retirement annuity and/or account, 
you may satisfy the minimum distribution rules on an aggregate basis (i.e.,     
determine the total amount of required distributions from all IRAs and take the 
required amount from any one or more IRAs). A similar aggregate approach is     
available to meet your 403(b) minimum distribution requirements if you have     
multiple 403(b) annuities. Recently promulgated Treasury regulations changed    
the distribution requirements; therefore, it is important that you consult your 
tax adviser as to the impact of these regulations on your personal situation.   

Final income tax regulations regarding minimum distribution requirements were   
released in June 2004. These regulations affect both deferred and income        
annuities. Under these new rules, effective with respect to minimum             
distributions required for the 2006 distribution year, in general, the value of 
all benefits under a deferred annuity (including death benefits in excess of    
cash value) must be added to the account value in computing the amount required 
to be distributed over the applicable period. We will provide you with          
additional information as to the amount of your interest in the contract that   
is subject to required minimum distributions under this new rule and either     
compute the required amount for you or offer to do so at your request. The new  
rules are not entirely clear and you should consult your tax adviser as to how  
these rules affect your contract.                                               

MINIMUM DISTRIBUTIONS FOR BENEFICIARIES UPON THE CONTRACT OWNER'S DEATH. Upon   
the death of the contract owner and/or annuitant of a Qualified Contract, the   
funds remaining in the contract must be completely withdrawn within 5 years     
from the date of death (including in a single lump sum) or minimum              
distributions may be taken over the life expectancy of the individual           
beneficiaries (and in certain situations, trusts for individuals), provided     
such distributions are payable at least annually and begin within one year from 
the date of death. Special rules apply in the case of an IRA where the          
beneficiary is the surviving spouse which allow the spouse to assume the        
contract as owner. Alternative rules permit a spousal beneficiary under a       
qualified contract, including an IRA, to defer the required minimum             
distribution ("RMD") requirements until the end of the year in which the        
deceased spouse would have attained age 70  1/2 or to rollover the death        
proceeds to his or her own IRA or to another eligible retirement plan in which  
he or she participates.                                                         

For RMDs after the death of the contract owner, the five-year rule is applied   
without regard to calendar year 2009. For instance, for a contract owner who    
died in 2007, the five-year period would end in 2013 instead of 2012. The RMD   
rules are complex, so consult with your tax adviser                             

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because the application of these rules to your particular circumstances may     
have been impacted by the 2009 RMD waiver.                                      

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CONDENSED FINANCIAL INFORMATION                                                 

The following charts list the Condensed Financial Information (the accumulation 
unit value information for the accumulation units outstanding) for contracts    
issued as of December 31, 2010. See "Purchase - Accumulation Units" in the      
prospectus for information on how accumulation unit values are calculated. The  
charts present accumulation unit values based upon which riders you select. The 
charts are in addition to the charts in the prospectus.                         

                                                                [Download Table]

                       1.40% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
MET INVESTORS SERIES TRUST                                                          
AMERICAN FUNDS BALANCED ALLOCATION SUB-ACCOUNT (CLASS C)                            
  04/28/2008    to  12/31/2008       10.008465         7.011667        168,302.6125 
  01/01/2009    to  12/31/2009        7.011667         8.941853        156,496.7400 
  01/01/2010    to  12/31/2010        8.941853         9.889880        145,642.6089 
============   ==== ==========       =========        =========        ============ 
AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS C)                                           
  04/28/2008    to  12/31/2008       10.038464         8.952370          6,126.3691 
  01/01/2009    to  12/31/2009        8.952370         9.898027         34,266.5900 
  01/01/2010    to  12/31/2010        9.898027        10.355895         49,686.3257 
============   ==== ==========       =========        =========        ============ 
AMERICAN FUNDS GROWTH ALLOCATION SUB-ACCOUNT (CLASS C)                              
  04/28/2008    to  12/31/2008        9.998466         6.359814        175,652.7475 
  01/01/2009    to  12/31/2009        6.359814         8.406163        182,580.0700 
  01/01/2010    to  12/31/2010        8.406163         9.407014        163,719.2002 
============   ==== ==========       =========        =========        ============ 
AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS C)                                         
  04/28/2008    to  12/31/2008        9.988466         5.759683         25,776.7827 
  01/01/2009    to  12/31/2009        5.759683         7.888359         47,705.1900 
  01/01/2010    to  12/31/2010        7.888359         9.204295         56,790.3822 
============   ==== ==========       =========        =========        ============ 
AMERICAN FUNDS INTERNATIONAL SUB-ACCOUNT (CLASS C)                                  
  04/28/2008    to  12/31/2008       10.088462         6.054941          9,507.2047 
  01/01/2009    to  12/31/2009        6.054941         8.511771         40,440.4700 
  01/01/2010    to  12/31/2010        8.511771         8.972039         60,199.2159 
============   ==== ==========       =========        =========        ============ 
AMERICAN FUNDS MODERATE ALLOCATION SUB-ACCOUNT (CLASS C)                            
  04/28/2008    to  12/31/2008       10.018465         7.685380         12,866.2192 
  01/01/2009    to  12/31/2009        7.685380         9.351642         21,018.2900 
  01/01/2010    to  12/31/2010        9.351642        10.135248         17,651.1770 
============   ==== ==========       =========        =========        ============ 
BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                          
  04/28/2008    to  12/31/2008       16.813285        12.577648            689.0665 
  01/01/2009    to  12/31/2009       12.577648        18.188601         40,377.8800 
  01/01/2010    to  12/31/2010       18.188601        20.764713         43,117.0518 
============   ==== ==========       =========        =========        ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.40% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
CLARION GLOBAL REAL ESTATE SUB-ACCOUNT (CLASS B)                                    
  05/01/2004    to  12/31/2004        9.998849        12.833645        137,236.5826 
  01/01/2005    to  12/31/2005       12.833645        14.337160         83,621.5864 
  01/01/2006    to  12/31/2006       14.337160        19.451786         90,546.2653 
  01/01/2007    to  12/31/2007       19.451786        16.301648         67,844.0339 
  01/01/2008    to  12/31/2008       16.301648         9.375546         63,943.7994 
  01/01/2009    to  12/31/2009        9.375546        12.456502         67,598.4100 
  01/01/2010    to  12/31/2010       12.456502        14.261852         66,711.2480 
============   ==== ==========       =========        =========        ============ 
GOLDMAN SACHS MID CAP VALUE SUB-ACCOUNT (CLASS B)                                   
  05/01/2004    to  12/31/2004        9.998849        11.971801        110,975.8591 
  01/01/2005    to  12/31/2005       11.971801        13.285850        107,738.5606 
  01/01/2006    to  12/31/2006       13.285850        15.157506         94,852.5033 
  01/01/2007    to  12/31/2007       15.157506        15.408438         90,103.0206 
  01/01/2008    to  12/31/2008       15.408438         9.712362         68,319.1456 
  01/01/2009    to  12/31/2009        9.712362        12.671078         59,084.5900 
  01/01/2010    to  12/31/2010       12.671078        15.522834         51,747.1634 
============   ==== ==========       =========        =========        ============ 
HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                  
  10/09/2001    to  12/31/2001       10.000000        10.935611          1,661.5408 
  01/01/2002    to  12/31/2002       10.935611         8.832552         61,767.4607 
  01/01/2003    to  12/31/2003        8.832552        11.755482        567,930.7746 
  01/01/2004    to  12/31/2004       11.755482        13.970748        468,461.1555 
  01/01/2005    to  12/31/2005       13.970748        15.738453        335,477.5085 
  01/01/2006    to  12/31/2006       15.738453        19.997636        349,757.6654 
  01/01/2007    to  12/31/2007       19.997636        19.497553        320,997.3809 
  01/01/2008    to  12/31/2008       19.497553        11.365303        233,904.2366 
  01/01/2009    to  12/31/2009       11.365303        17.378314        209,300.9900 
  01/01/2010    to  12/31/2010       17.378314        19.950688        182,672.4619 
============   ==== ==========       =========        =========        ============ 
INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                      
 (FORMERLY MET/AIM SMALL CAP GROWTH SUB-ACCOUNT (CLASS B))                          
  10/09/2001    to  12/31/2001       10.000000        11.852311          2,727.5377 
  01/01/2002    to  12/31/2002       11.852311         8.472945        286,442.6237 
  01/01/2003    to  12/31/2003        8.472945        11.602508        528,487.2938 
  01/01/2004    to  12/31/2004       11.602508        12.176705        514,266.4566 
  01/01/2005    to  12/31/2005       12.176705        13.000440        378,144.7250 
  01/01/2006    to  12/31/2006       13.000440        14.638413        340,036.0008 
  01/01/2007    to  12/31/2007       14.638413        16.031837        289,705.8337 
  01/01/2008    to  12/31/2008       16.031837         9.685902        209,060.3770 
  01/01/2009    to  12/31/2009        9.685902        12.781463        201,736.3100 
  01/01/2010    to  12/31/2010       12.781463        15.903943        164,093.1790 
============   ==== ==========       =========        =========        ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.40% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
JANUS FORTY SUB-ACCOUNT (CLASS B)                                                    
  05/03/2010    to  12/31/2010       151.198798       155.491489            312.4880 
============   ==== ==========       ==========       ==========      ============== 
LAZARD MID CAP SUB-ACCOUNT (CLASS B)                                                 
  10/09/2001    to  12/31/2001        10.000000        10.991234          1,316.0853 
  01/01/2002    to  12/31/2002        10.991234         9.665975        118,900.4673 
  01/01/2003    to  12/31/2003         9.665975        12.026501        471,795.8061 
  01/01/2004    to  12/31/2004        12.026501        13.566810        293,841.0626 
  01/01/2005    to  12/31/2005        13.566810        14.456870        218,218.9503 
  01/01/2006    to  12/31/2006        14.456870        16.348558        174,472.6015 
  01/01/2007    to  12/31/2007        16.348558        15.683126        159,350.9153 
  01/01/2008    to  12/31/2008        15.683126         9.541425        132,437.6064 
  01/01/2009    to  12/31/2009         9.541425        12.867595        124,360.0300 
  01/01/2010    to  12/31/2010        12.867595        15.589341         96,981.7002 
============   ==== ==========       ==========       ==========      ============== 
LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                       
 (FORMERLY LEGG MASON PARTNERS AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))              
  03/21/2001    to  12/31/2001         8.041634         7.308054         63,660.6570 
  01/01/2002    to  12/31/2002         7.308054         5.200438        480,837.8708 
  01/01/2003    to  12/31/2003         5.200438         6.712800      1,065,070.4451 
  01/01/2004    to  12/31/2004         6.712800         7.177933        584,753.1445 
  01/01/2005    to  12/31/2005         7.177933         8.039394        397,123.9613 
  01/01/2006    to  12/31/2006         8.039394         7.790114        363,694.1567 
  01/01/2007    to  12/31/2007         7.790114         7.855354        291,569.6083 
  01/01/2008    to  12/31/2008         7.855354         4.720908        267,410.2766 
  01/01/2009    to  12/31/2009         4.720908         6.189734        225,428.7000 
  01/01/2010    to  12/31/2010         6.189734         7.555612        205,898.7658 
============   ==== ==========       ==========       ==========      ============== 
LEGG MASON VALUE EQUITY SUB-ACCOUNT (CLASS B)                                        
  11/07/2005    to  12/31/2005        10.247260        10.625522              0.0000 
  01/01/2006    to  12/31/2006        10.625522        11.167932         38,533.2251 
  01/01/2007    to  12/31/2007        11.167932        10.361388         22,079.2475 
  01/01/2008    to  12/31/2008        10.361388         4.636803         24,069.9392 
  01/01/2009    to  12/31/2009         4.636803         6.308458         16,698.6100 
  01/01/2010    to  12/31/2010         6.308458         6.677074         17,290.1885 
============   ==== ==========       ==========       ==========      ============== 
LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                   
  05/01/2006    to  12/31/2006         9.988849        10.339483          3,756.1881 
  01/01/2007    to  12/31/2007        10.339483        13.034716         28,249.7110 
  01/01/2008    to  12/31/2008        13.034716         7.806924         42,082.6901 
  01/01/2009    to  12/31/2009         7.806924        10.840694         22,821.0200 
  01/01/2010    to  12/31/2010        10.840694        13.043247         25,251.9039 
============   ==== ==========       ==========       ==========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.40% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
LORD ABBETT BOND DEBENTURE SUB-ACCOUNT (CLASS B)                                     
  03/21/2001    to  12/31/2001       13.963875        13.978494          39,278.6617 
  01/01/2002    to  12/31/2002       13.978494        13.705136         392,181.6024 
  01/01/2003    to  12/31/2003       13.705136        16.103871       1,080,974.2815 
  01/01/2004    to  12/31/2004       16.103871        17.176230         648,290.9241 
  01/01/2005    to  12/31/2005       17.176230        17.191034         467,958.8220 
  01/01/2006    to  12/31/2006       17.191034        18.503458         426,298.2445 
  01/01/2007    to  12/31/2007       18.503458        19.439891         375,324.0130 
  01/01/2008    to  12/31/2008       19.439891        15.602834         308,942.6012 
  01/01/2009    to  12/31/2009       15.602834        21.043810         278,779.9400 
  01/01/2010    to  12/31/2010       21.043810        23.441889         235,615.2209 
============   ==== ==========       =========        =========       ============== 
LORD ABBETT GROWTH AND INCOME SUB-ACCOUNT (CLASS B)                                  
  03/21/2001    to  12/31/2001       39.123031        41.392944          52,407.8859 
  01/01/2002    to  12/31/2002       41.392944        33.421284         328,461.3149 
  01/01/2003    to  12/31/2003       33.421284        43.085314         640,274.4970 
  01/01/2004    to  12/31/2004       43.085314        47.857828         443,894.2034 
  01/01/2005    to  12/31/2005       47.857828        48.795052         338,375.4373 
  01/01/2006    to  12/31/2006       48.795052        56.676303         299,001.3290 
  01/01/2007    to  12/31/2007       56.676303        57.963907         261,732.5402 
  01/01/2008    to  12/31/2008       57.963907        36.390485         223,836.1365 
  01/01/2009    to  12/31/2009       36.390485        42.484860         205,449.8400 
  01/01/2010    to  12/31/2010       42.484860        49.024477         167,520.4507 
============   ==== ==========       =========        =========       ============== 
MET/EATON VANCE FLOATING RATE SUB-ACCOUNT (CLASS B)                                  
  05/03/2010    to  12/31/2010        9.998082        10.222713          16,614.4282 
============   ==== ==========       =========        =========       ============== 
LORD ABBETT MID CAP VALUE SUB-ACCOUNT (CLASS B)                                      
  04/28/2008    to  12/31/2008       25.410560        16.742026             879.7831 
  01/01/2009    to  12/31/2009       16.742026        20.889916           8,092.4300 
  01/01/2010    to  12/31/2010       20.889916        25.858287           7,334.2336 
============   ==== ==========       =========        =========       ============== 
MET/FRANKLIN MUTUAL SHARES SUB-ACCOUNT (CLASS B)                                     
  04/28/2008    to  12/31/2008        9.998466         6.600141           4,462.4937 
  01/01/2009    to  12/31/2009        6.600141         8.127948          31,723.8000 
  01/01/2010    to  12/31/2010        8.127948         8.898507          16,482.7198 
============   ==== ==========       =========        =========       ============== 
MET/FRANKLIN TEMPLETON FOUNDING STRATEGY SUB-ACCOUNT (CLASS B)                       
  04/28/2008    to  12/31/2008        9.998466         7.033638          73,472.7138 
  01/01/2009    to  12/31/2009        7.033638         8.916144          74,100.2300 
  01/01/2010    to  12/31/2010        8.916144         9.675478          68,290.5677 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.40% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
MET/PUTNAM RESEARCH SUB-ACCOUNT (CLASS B)                                            
  03/21/2001    to  12/31/2001        8.137898         8.065922          67,207.7510 
  01/01/2002    to  12/31/2002        8.065922         6.298411         258,067.3964 
  01/01/2003    to  12/31/2003        6.298411         7.722500         404,829.4974 
  01/01/2004    to  11/19/2004        7.722500         7.933271         320,106.1403 
============   ==== ==========       =========        =========       ============== 
MET/TEMPLETON INTERNATIONAL BOND SUB-ACCOUNT (CLASS B)                               
  05/04/2009    to  12/31/2009        9.998466        10.897166               0.0000 
  01/01/2010    to  12/31/2010       10.897166        12.200953               0.0000 
============   ==== ==========       =========        =========       ============== 
MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                          
  05/01/2006    to  12/31/2006        9.988849        10.478532          13,203.7716 
  01/01/2007    to  12/31/2007       10.478532        14.115716          70,637.4919 
  01/01/2008    to  12/31/2008       14.115716         6.189533          75,779.1426 
  01/01/2009    to  12/31/2009        6.189533        10.311678          98,198.8200 
  01/01/2010    to  12/31/2010       10.311678        12.573888         102,181.0830 
============   ==== ==========       =========        =========       ============== 
MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                           
  03/21/2001    to  12/31/2001        8.805686         8.381159          44,261.7817 
  01/01/2002    to  12/31/2002        8.381159         7.289280         389,172.3820 
  01/01/2003    to  12/31/2003        7.289280         9.491245         617,615.6489 
  01/01/2004    to  12/31/2004        9.491245        11.189560         583,677.1368 
  01/01/2005    to  12/31/2005       11.189560        12.846538         431,277.2218 
  01/01/2006    to  12/31/2006       12.846538        16.033618         406,916.9031 
  01/01/2007    to  12/31/2007       16.033618        17.910797         381,250.9783 
  01/01/2008    to  12/31/2008       17.910797        10.178881         305,485.2667 
  01/01/2009    to  12/31/2009       10.178881        13.205770         280,922.8500 
  01/01/2010    to  12/31/2010       13.205770        14.507410         233,592.4157 
============   ==== ==========       =========        =========       ============== 
OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B)                               
  03/21/2001    to  12/31/2001        8.558733         8.466912         187,903.3752 
  01/01/2002    to  12/31/2002        8.466912         6.283863       1,098,407.9222 
  01/01/2003    to  12/31/2003        6.283863         7.964318       2,288,717.7022 
  01/01/2004    to  12/31/2004        7.964318         8.356218       1,898,933.5377 
  01/01/2005    to  12/31/2005        8.356218         8.628835       1,522,728.0644 
  01/01/2006    to  12/31/2006        8.628835         9.157247       1,304,849.1418 
  01/01/2007    to  12/31/2007        9.157247        10.319460       1,123,712.0953 
  01/01/2008    to  12/31/2008       10.319460         5.500886         823,910.0234 
  01/01/2009    to  12/31/2009        5.500886         7.795018         703,354.5500 
  01/01/2010    to  12/31/2010        7.795018         8.408984         596,326.0216 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.40% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
PIMCO INFLATION PROTECTED BOND SUB-ACCOUNT (CLASS B)                                
  05/01/2003    to  12/31/2003       10.000000        10.435925        878,270.9261 
  01/01/2004    to  12/31/2004       10.435925        11.217736        591,684.1184 
  01/01/2005    to  12/31/2005       11.217736        11.215657        372,241.8055 
  01/01/2006    to  12/31/2006       11.215657        11.102944        344,036.7657 
  01/01/2007    to  12/31/2007       11.102944        12.129906        338,950.7205 
  01/01/2008    to  12/31/2008       12.129906        11.136801        262,804.9419 
  01/01/2009    to  12/31/2009       11.136801        12.964097        243,944.2900 
  01/01/2010    to  12/31/2010       12.964097        13.776063        239,388.5045 
============   ==== ==========       =========        =========      ============== 
PIMCO TOTAL RETURN SUB-ACCOUNT (CLASS B)                                            
  03/21/2001    to  12/31/2001       10.161771        10.536235         95,690.8088 
  01/01/2002    to  12/31/2002       10.536235        11.355362      1,063,324.6531 
  01/01/2003    to  12/31/2003       11.355362        11.679662      1,746,944.8377 
  01/01/2004    to  12/31/2004       11.679662        12.090485      1,158,533.2891 
  01/01/2005    to  12/31/2005       12.090485        12.190831        958,135.1736 
  01/01/2006    to  12/31/2006       12.190831        12.564918        920,215.1375 
  01/01/2007    to  12/31/2007       12.564918        13.326509        799,550.3875 
  01/01/2008    to  12/31/2008       13.326509        13.194597        654,679.4430 
  01/01/2009    to  12/31/2009       13.194597        15.356937        617,714.5800 
  01/01/2010    to  12/31/2010       15.356937        16.380770        559,013.0734 
============   ==== ==========       =========        =========      ============== 
PIONEER FUND SUB-ACCOUNT (CLASS B)                                                  
  05/04/2009    to  12/31/2009       13.397802        16.425177          3,942.7800 
  01/01/2010    to  12/31/2010       16.425177        18.777287          4,138.6802 
============   ==== ==========       =========        =========      ============== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS E)                                      
  05/03/2010    to  12/31/2010       23.790141        24.988740          6,376.2557 
============   ==== ==========       =========        =========      ============== 
RAINIER LARGE CAP EQUITY SUB-ACCOUNT (CLASS B)                                      
  11/12/2007    to  12/31/2007        9.565560         9.983869          3,700.8992 
  01/01/2008    to  12/31/2008        9.983869         5.728987          7,164.1327 
  01/01/2009    to  12/31/2009        5.728987         6.962871          8,560.3200 
  01/01/2010    to  12/31/2010        6.962871         7.922419          3,699.6687 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.40% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
RCM TECHNOLOGY SUB-ACCOUNT (CLASS B)                                                 
  03/21/2001    to  12/31/2001        7.234270         6.093409          44,185.6889 
  01/01/2002    to  12/31/2002        6.093409         2.960358         183,010.6801 
  01/01/2003    to  12/31/2003        2.960358         4.599830         387,204.2476 
  01/01/2004    to  12/31/2004        4.599830         4.340121         374,902.9132 
  01/01/2005    to  12/31/2005        4.340121         4.751414         291,121.6847 
  01/01/2006    to  12/31/2006        4.751414         4.936039         228,976.1397 
  01/01/2007    to  12/31/2007        4.936039         6.401365         210,182.4942 
  01/01/2008    to  12/31/2008        6.401365         3.506238         171,030.5593 
  01/01/2009    to  12/31/2009        3.506238         5.496567         172,837.4700 
  01/01/2010    to  12/31/2010        5.496567         6.921055         154,783.5524 
============   ==== ==========       =========        =========       ============== 
SSGA GROWTH AND INCOME ETF SUB-ACCOUNT (CLASS B)                                     
  11/10/2008    to  12/31/2008        8.405270         8.571201               0.0000 
  01/01/2009    to  12/31/2009        8.571201        10.555519         174,986.9100 
  01/01/2010    to  12/31/2010       10.555519        11.682751         204,244.2645 
============   ==== ==========       =========        =========       ============== 
SSGA GROWTH ETF SUB-ACCOUNT (CLASS B)                                                
  11/10/2008    to  12/31/2008        7.782527         7.858087               0.0000 
  01/01/2009    to  12/31/2009        7.858087        10.003688          14,403.8800 
  01/01/2010    to  12/31/2010       10.003688        11.260907           4,809.5585 
============   ==== ==========       =========        =========       ============== 
T. ROWE PRICE MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                   
  03/21/2001    to  12/31/2001        8.099086         8.236645          85,522.8017 
  01/01/2002    to  12/31/2002        8.236645         4.545270         630,000.4208 
  01/01/2003    to  12/31/2003        4.545270         6.124338       1,412,198.5584 
  01/01/2004    to  12/31/2004        6.124338         7.115346         782,937.5564 
  01/01/2005    to  12/31/2005        7.115346         8.043025         699,058.4751 
  01/01/2006    to  12/31/2006        8.043025         8.420410         609,774.3647 
  01/01/2007    to  12/31/2007        8.420410         9.767155         562,310.3382 
  01/01/2008    to  12/31/2008        9.767155         5.802712         414,861.4785 
  01/01/2009    to  12/31/2009        5.802712         8.323983         402,268.4100 
  01/01/2010    to  12/31/2010        8.323983        10.480662         330,145.8076 
============   ==== ==========       =========        =========       ============== 
THIRD AVENUE SMALL CAP VALUE SUB-ACCOUNT (CLASS B)                                   
  05/01/2002    to  12/31/2002       10.000000         8.232502         186,055.8904 
  01/01/2003    to  12/31/2003        8.232502        11.480838         737,651.3214 
  01/01/2004    to  12/31/2004       11.480838        14.321488         525,778.8905 
  01/01/2005    to  12/31/2005       14.321488        16.308935         381,852.4187 
  01/01/2006    to  12/31/2006       16.308935        18.194563         345,512.2969 
  01/01/2007    to  12/31/2007       18.194563        17.398251         305,625.0510 
  01/01/2008    to  12/31/2008       17.398251        12.039391         223,884.5737 
  01/01/2009    to  12/31/2009       12.039391        15.012256         223,638.1300 
  01/01/2010    to  12/31/2010       15.012256        17.749214         192,725.2707 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.40% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
TURNER MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                       
  05/01/2004    to  12/31/2004        9.998849        11.115049       97,649.7026 
  01/01/2005    to  12/31/2005       11.115049        12.205834       49,967.7938 
  01/01/2006    to  12/31/2006       12.205834        12.767461       56,895.4717 
  01/01/2007    to  12/31/2007       12.767461        15.629122       64,668.2067 
  01/01/2008    to  12/31/2008       15.629122         7.967778       46,722.4657 
  01/01/2009    to  12/31/2009        7.967778        11.562776       45,291.4700 
  01/01/2010    to  12/31/2010       11.562776        14.499290       38,462.2475 
============   ==== ==========       =========        =========      ============ 
VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B)                                         
  05/01/2005    to  12/31/2005        9.998849        10.475896       13,574.0447 
  01/01/2006    to  12/31/2006       10.475896        11.989012       35,174.0120 
  01/01/2007    to  12/31/2007       11.989012        11.526833       25,340.3839 
  01/01/2008    to  12/31/2008       11.526833         7.284283       11,385.4961 
  01/01/2009    to  12/31/2009        7.284283         9.091671       34,120.6100 
  01/01/2010    to  12/31/2010        9.091671        10.297003       34,952.5915 
============   ==== ==========       =========        =========      ============ 
METROPOLITAN SERIES FUND, INC.                                                    
BARCLAYS CAPITAL AGGREGATE BOND INDEX SUB-ACCOUNT (CLASS G)                       
  05/04/2009    to  12/31/2009       14.416992        14.922931        5,161.0000 
  01/01/2010    to  12/31/2010       14.922931        15.547001       12,658.3565 
============   ==== ==========       =========        =========      ============ 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                      
  05/01/2005    to  12/31/2005        9.962131        10.067108      311,708.8445 
  01/01/2006    to  12/31/2006       10.067108        10.379339      311,719.9901 
  01/01/2007    to  12/31/2007       10.379339        10.726990      326,599.4613 
  01/01/2008    to  12/31/2008       10.726990        10.852384      542,115.5178 
  01/01/2009    to  12/31/2009       10.852384        10.728603      264,634.1400 
  01/01/2010    to  12/31/2010       10.728603        10.579444      195,416.8670 
============   ==== ==========       =========        =========      ============ 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                      
 (FORMERLY MET INVESTORS SERIES TRUST - MONEY MARKET SUB-ACCOUNT (CLASS B))       
  03/21/2001    to  12/31/2001       10.032409        10.154282       31,639.8915 
  01/01/2002    to  12/31/2002       10.154282        10.122875      330,699.3768 
  01/01/2003    to  12/31/2003       10.122875        10.025490      352,116.6137 
  01/01/2004    to  12/31/2004       10.025490         9.949131      379,421.0528 
  01/01/2005    to  04/30/2005        9.949131         9.962144            0.0000 
============   ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.40% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
DAVIS VENTURE VALUE SUB-ACCOUNT (CLASS E)                                           
  03/21/2001    to  12/31/2001       10.000000        10.156586        188,512.1789 
  01/01/2002    to  12/31/2002       10.156586         8.357717      1,029,327.1623 
  01/01/2003    to  12/31/2003        8.357717        10.774657      1,780,472.6958 
  01/01/2004    to  12/31/2004       10.774657        11.914458      1,643,359.7116 
  01/01/2005    to  12/31/2005       11.914458        12.940186      1,298,023.2971 
  01/01/2006    to  12/31/2006       12.940186        14.599039      1,170,674.5812 
  01/01/2007    to  12/31/2007       14.599039        15.032974      1,009,913.5395 
  01/01/2008    to  12/31/2008       15.032974         8.974351        785,525.9906 
  01/01/2009    to  12/31/2009        8.974351        11.666208        714,058.7700 
  01/01/2010    to  12/31/2010       11.666208        12.863512        605,970.8934 
============   ==== ==========       =========        =========      ============== 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                               
  05/01/2002    to  12/31/2002       10.000000         7.628086        309,963.6215 
  01/01/2003    to  12/31/2003        7.628086         9.755498        633,772.9831 
  01/01/2004    to  12/31/2004        9.755498        10.479270        484,756.6882 
  01/01/2005    to  12/31/2005       10.479270        11.732904        294,668.3504 
  01/01/2006    to  12/31/2006       11.732904        11.862235        270,044.5448 
  01/01/2007    to  12/31/2007       11.862235        13.028539        251,039.9769 
  01/01/2008    to  12/31/2008       13.028539         8.151742        207,767.4871 
  01/01/2009    to  12/31/2009        8.151742        11.218662        244,745.2700 
  01/01/2010    to  12/31/2010       11.218662        12.314380        186,265.3396 
============   ==== ==========       =========        =========      ============== 
MET/ARTISAN MID CAP VALUE SUB-ACCOUNT (CLASS B)                                     
  03/21/2001    to  12/31/2001       10.000000        11.947753        100,591.8095 
  01/01/2002    to  12/31/2002       11.947753        10.713489        654,589.4979 
  01/01/2003    to  12/31/2003       10.713489        13.979999      1,248,378.3443 
  01/01/2004    to  12/31/2004       13.979999        15.115774        861,229.6083 
  01/01/2005    to  12/31/2005       15.115774        16.353241        715,239.8882 
  01/01/2006    to  12/31/2006       16.353241        18.089623        624,598.6039 
  01/01/2007    to  12/31/2007       18.089623        16.574803        544,768.1865 
  01/01/2008    to  12/31/2008       16.574803         8.803766        441,853.9319 
  01/01/2009    to  12/31/2009        8.803766        12.257933        408,571.8400 
  01/01/2010    to  12/31/2010       12.257933        13.871731        349,363.3656 
============   ==== ==========       =========        =========      ============== 
MET/DIMENSIONAL INTERNATIONAL SMALL COMPANY SUB-ACCOUNT (CLASS B)                   
  11/10/2008    to  12/31/2008       10.065756        10.135898              0.0000 
  01/01/2009    to  12/31/2009       10.135898        14.264505            534.0200 
  01/01/2010    to  12/31/2010       14.264505        17.243796          6,749.4747 
============   ==== ==========       =========        =========      ============== 
METLIFE MID CAP STOCK INDEX SUB-ACCOUNT (CLASS G)                                   
  05/04/2009    to  12/31/2009       11.080797        13.811986          2,578.3200 
  01/01/2010    to  12/31/2010       13.811986        17.150152         15,818.0010 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                      1.40% SEPARATE ACCOUNT PRODUCT CHARGES                      
                                                                      NUMBER OF   
                                   ACCUMULATION     ACCUMULATION     ACCUMULATION 
                                  UNIT VALUE AT    UNIT VALUE AT        UNITS     
                                   BEGINNING OF        END OF       OUTSTANDING AT
                                      PERIOD           PERIOD       END OF PERIOD 
                                 ---------------  ---------------  ---------------
                                                                                  
METLIFE STOCK INDEX SUB-ACCOUNT (CLASS B)                                         
  10/09/2001    to  12/31/2001       10.000000        10.849814        4,338.9645 
  01/01/2002    to  12/31/2002       10.849814         8.289818      419,964.7101 
  01/01/2003    to  12/31/2003        8.289818        10.453078      866,010.5131 
  01/01/2004    to  12/31/2004       10.453078        11.366871      774,439.1885 
  01/01/2005    to  12/31/2005       11.366871        11.699773      684,474.3394 
  01/01/2006    to  12/31/2006       11.699773        13.289654      635,296.8127 
  01/01/2007    to  12/31/2007       13.289654        13.755791      575,088.9353 
  01/01/2008    to  12/31/2008       13.755791         8.510045      512,009.3130 
  01/01/2009    to  12/31/2009        8.510045        10.566923      485,273.7000 
  01/01/2010    to  12/31/2010       10.566923        11.929994      384,194.6058 
============   ==== ==========       =========        =========      ============ 
MORGAN STANLEY EAFE (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                         
  05/04/2009    to  12/31/2009        9.228298        11.891988            0.0000 
  01/01/2010    to  12/31/2010       11.891988        12.637230            0.0000 
============   ==== ==========       =========        =========      ============ 
RUSSELL 2000 (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                                
  05/04/2009    to  12/31/2009       11.439470        14.080159          263.8000 
  01/01/2010    to  12/31/2010       14.080159        17.570302          184.2157 
============   ==== ==========       =========        =========      ============ 
VAN ECK GLOBAL NATURAL RESOURCES SUB-ACCOUNT (CLASS B)                            
  05/04/2009    to  12/31/2009       11.627576        14.787114            0.0000 
  01/01/2010    to  12/31/2010       14.787114        18.813900            0.0000 
============   ==== ==========       =========        =========      ============ 
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                    
  05/01/2005    to  12/31/2005       15.802857        15.786672       63,577.1450 
  01/01/2006    to  12/31/2006       15.786672        16.177236            0.0000 
  01/01/2007    to  12/31/2007       16.177236        16.594510        6,590.1017 
  01/01/2008    to  12/31/2008       16.594510        16.276104       31,928.8261 
  01/01/2009    to  12/31/2009       16.276104        16.704705       22,352.6500 
  01/01/2010    to  12/31/2010       16.704705        17.377242       17,783.0360 
============   ==== ==========       =========        =========      ============ 
MET INVESTORS SERIES TRUST - METLIFE ASSET ALLOCATION PROGRAM                     
METLIFE AGGRESSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                 
  11/22/2004    to  12/31/2004       10.302502        10.691554      423,653.0455 
  01/01/2005    to  12/31/2005       10.691554        11.637720      842,785.6994 
  01/01/2006    to  12/31/2006       11.637720        13.042619      865,985.8199 
  01/01/2007    to  12/31/2007       13.042619        13.231586      745,104.5513 
  01/01/2008    to  12/31/2008       13.231586         7.722094      485,912.7337 
  01/01/2009    to  12/31/2009        7.722094        10.100668      464,850.1300 
  01/01/2010    to  12/31/2010       10.100668        11.603880      378,331.9602 
============   ==== ==========       =========        =========      ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.40% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
METLIFE BALANCED STRATEGY SUB-ACCOUNT (CLASS B)                                       
  11/22/2004    to  12/31/2004       10.102642        10.395455        2,131,841.0010 
  01/01/2005    to  12/31/2005       10.395455        10.981407        3,317,209.3937 
  01/01/2006    to  12/31/2006       10.981407        12.126242        3,443,230.6998 
  01/01/2007    to  12/31/2007       12.126242        12.540561        3,403,431.2772 
  01/01/2008    to  12/31/2008       12.540561         8.416529        3,061,405.9363 
  01/01/2009    to  12/31/2009        8.416529        10.651271        2,835,790.3000 
  01/01/2010    to  12/31/2010       10.651271        11.930159        2,478,992.7864 
============   ==== ==========       =========        =========        ============== 
METLIFE DEFENSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                      
  11/22/2004    to  12/31/2004        9.942753        10.111501          251,883.7423 
  01/01/2005    to  12/31/2005       10.111501        10.418004          325,570.8705 
  01/01/2006    to  12/31/2006       10.418004        11.159705          336,242.0816 
  01/01/2007    to  12/31/2007       11.159705        11.655090          517,011.3947 
  01/01/2008    to  12/31/2008       11.655090         9.119270          580,092.4236 
  01/01/2009    to  12/31/2009        9.119270        11.052490          376,828.8200 
  01/01/2010    to  12/31/2010       11.052490        12.087115          423,293.3190 
============   ==== ==========       =========        =========        ============== 
METLIFE GROWTH STRATEGY SUB-ACCOUNT (CLASS B)                                         
  11/22/2004    to  12/31/2004       10.242545        10.606431        1,612,727.0590 
  01/01/2005    to  12/31/2005       10.606431        11.413760        2,588,357.6661 
  01/01/2006    to  12/31/2006       11.413760        12.785659        2,705,623.6941 
  01/01/2007    to  12/31/2007       12.785659        13.199806        2,570,950.8382 
  01/01/2008    to  12/31/2008       13.199806         8.086995        1,991,168.1685 
  01/01/2009    to  12/31/2009        8.086995        10.374777        1,908,032.2400 
  01/01/2010    to  12/31/2010       10.374777        11.815290        1,743,452.8082 
============   ==== ==========       =========        =========        ============== 
METLIFE MODERATE STRATEGY SUB-ACCOUNT (CLASS B)                                       
  11/22/2004    to  12/31/2004       10.012704        10.231750        1,118,951.6810 
  01/01/2005    to  12/31/2005       10.231750        10.676378        1,295,927.8258 
  01/01/2006    to  12/31/2006       10.676378        11.605616        1,317,042.5067 
  01/01/2007    to  12/31/2007       11.605616        12.153713        1,364,352.6728 
  01/01/2008    to  12/31/2008       12.153713         8.817939        1,228,152.6124 
  01/01/2009    to  12/31/2009        8.817939        10.963654        1,117,729.4900 
  01/01/2010    to  12/31/2010       10.963654        12.151831        1,153,936.8220 
============   ==== ==========       =========        =========        ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.50% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
MET INVESTORS SERIES TRUST                                                            
AMERICAN FUNDS BALANCED ALLOCATION SUB-ACCOUNT (CLASS C)                              
  04/28/2008    to  12/31/2008       10.008356         7.006834        1,509,911.5777 
  01/01/2009    to  12/31/2009        7.006834         8.926760        3,948,957.8400 
  01/01/2010    to  12/31/2010        8.926760         9.863326        6,726,642.1875 
============   ==== ==========       =========        =========        ============== 
AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS C)                                             
  04/28/2008    to  12/31/2008       10.038355         8.946214           45,033.1854 
  01/01/2009    to  12/31/2009        8.946214         9.881337          274,060.2000 
  01/01/2010    to  12/31/2010        9.881337        10.328102          637,822.7477 
============   ==== ==========       =========        =========        ============== 
AMERICAN FUNDS GROWTH ALLOCATION SUB-ACCOUNT (CLASS C)                                
  04/28/2008    to  12/31/2008        9.998356         6.355426        2,150,457.0625 
  01/01/2009    to  12/31/2009        6.355426         8.391968        3,713,103.0500 
  01/01/2010    to  12/31/2010        8.391968         9.381751        4,421,357.0271 
============   ==== ==========       =========        =========        ============== 
AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS C)                                           
  04/28/2008    to  12/31/2008        9.988357         5.755706          149,391.1819 
  01/01/2009    to  12/31/2009        5.755706         7.875033          762,964.2700 
  01/01/2010    to  12/31/2010        7.875033         9.179570        1,271,911.6519 
============   ==== ==========       =========        =========        ============== 
AMERICAN FUNDS INTERNATIONAL SUB-ACCOUNT (CLASS C)                                    
  04/28/2008    to  12/31/2008       10.088353         6.050764          107,329.0906 
  01/01/2009    to  12/31/2009        6.050764         8.497400          412,799.6800 
  01/01/2010    to  12/31/2010        8.497400         8.947948          694,871.7322 
============   ==== ==========       =========        =========        ============== 
AMERICAN FUNDS MODERATE ALLOCATION SUB-ACCOUNT (CLASS C)                              
  04/28/2008    to  12/31/2008       10.018355         7.680087          999,541.6309 
  01/01/2009    to  12/31/2009        7.680087         9.335863        2,406,302.0200 
  01/01/2010    to  12/31/2010        9.335863        10.108040        4,045,450.3279 
============   ==== ==========       =========        =========        ============== 
BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                            
  04/28/2008    to  12/31/2008       16.618242        12.423319           11,145.0575 
  01/01/2009    to  12/31/2009       12.423319        17.947491          147,763.8300 
  01/01/2010    to  12/31/2010       17.947491        20.468988          259,025.3440 
============   ==== ==========       =========        =========        ============== 
CLARION GLOBAL REAL ESTATE SUB-ACCOUNT (CLASS B)                                      
  05/01/2004    to  12/31/2004        9.998767        12.825046          341,279.4008 
  01/01/2005    to  12/31/2005       12.825046        14.313282          284,966.0807 
  01/01/2006    to  12/31/2006       14.313282        19.400065          341,923.2420 
  01/01/2007    to  12/31/2007       19.400065        16.241955          287,939.8016 
  01/01/2008    to  12/31/2008       16.241955         9.331819          278,864.3473 
  01/01/2009    to  12/31/2009        9.331819        12.386008          313,018.5900 
  01/01/2010    to  12/31/2010       12.386008        14.166987          333,307.3833 
============   ==== ==========       =========        =========        ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.50% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
GOLDMAN SACHS MID CAP VALUE SUB-ACCOUNT (CLASS B)                                   
  05/01/2004    to  12/31/2004        9.998767        11.963775        385,752.4248 
  01/01/2005    to  12/31/2005       11.963775        13.263723        471,799.0265 
  01/01/2006    to  12/31/2006       13.263723        15.117186        490,380.3953 
  01/01/2007    to  12/31/2007       15.117186        15.352009        420,766.6302 
  01/01/2008    to  12/31/2008       15.352009         9.667069        345,652.1080 
  01/01/2009    to  12/31/2009        9.667069        12.599381        314,821.2700 
  01/01/2010    to  12/31/2010       12.599381        15.419594        343,001.0723 
============   ==== ==========      ==========       ==========      ============== 
HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                  
  05/01/2003    to  12/31/2003        8.751972        11.747643        756,819.7494 
  01/01/2004    to  12/31/2004       11.747643        13.947450      1,351,551.7323 
  01/01/2005    to  12/31/2005       13.947450        15.696557      1,096,728.8216 
  01/01/2006    to  12/31/2006       15.696557        19.924541      1,181,055.9347 
  01/01/2007    to  12/31/2007       19.924541        19.406759      1,029,661.8912 
  01/01/2008    to  12/31/2008       19.406759        11.301010        830,200.2483 
  01/01/2009    to  12/31/2009       11.301010        17.262728        846,155.5900 
  01/01/2010    to  12/31/2010       17.262728        19.798205        913,908.6119 
============   ==== ==========      ==========       ==========      ============== 
INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                      
 (FORMERLY MET/AIM SMALL CAP GROWTH SUB-ACCOUNT (CLASS B))                          
  05/01/2003    to  12/31/2003        8.707674        11.594771        508,558.9718 
  01/01/2004    to  12/31/2004       11.594771        12.156391      1,007,144.4117 
  01/01/2005    to  12/31/2005       12.156391        12.965826        758,178.4177 
  01/01/2006    to  12/31/2006       12.965826        14.584886        715,236.5733 
  01/01/2007    to  12/31/2007       14.584886        15.957165        712,915.0942 
  01/01/2008    to  12/31/2008       15.957165         9.631096        686,333.4262 
  01/01/2009    to  12/31/2009        9.631096        12.696435        725,972.8200 
  01/01/2010    to  12/31/2010       12.696435        15.782371        733,793.5089 
============   ==== ==========      ==========       ==========      ============== 
JANUS FORTY SUB-ACCOUNT (CLASS B)                                                   
  05/03/2010    to  12/31/2010      147.003346       151.076737          4,079.7711 
============   ==== ==========      ==========       ==========      ============== 
LAZARD MID CAP SUB-ACCOUNT (CLASS B)                                                
  05/01/2003    to  12/31/2003        9.728989        12.018475        480,095.4897 
  01/01/2004    to  12/31/2004       12.018475        13.544176        472,333.6992 
  01/01/2005    to  12/31/2005       13.544176        14.418376        360,528.5486 
  01/01/2006    to  12/31/2006       14.418376        16.288783        322,292.7085 
  01/01/2007    to  12/31/2007       16.288783        15.610081        307,336.3229 
  01/01/2008    to  12/31/2008       15.610081         9.487441        283,438.2465 
  01/01/2009    to  12/31/2009        9.487441        12.782003        280,786.9500 
  01/01/2010    to  12/31/2010       12.782003        15.470184        310,192.4101 
============   ==== ==========      ==========       ==========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                        1.50% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                        
 (FORMERLY LEGG MASON PARTNERS AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))               
  05/01/2003    to  12/31/2003        5.505944         6.708323        1,029,156.0732 
  01/01/2004    to  12/31/2004        6.708323         7.165960        1,409,714.5048 
  01/01/2005    to  12/31/2005        7.165960         8.017990          912,555.5370 
  01/01/2006    to  12/31/2006        8.017990         7.761627          865,107.0244 
  01/01/2007    to  12/31/2007        7.761627         7.818763          768,397.8206 
  01/01/2008    to  12/31/2008        7.818763         4.694194          652,050.7012 
  01/01/2009    to  12/31/2009        4.694194         6.148555          626,880.5400 
  01/01/2010    to  12/31/2010        6.148555         7.497853          677,490.9975 
============   ==== ==========       =========        =========        ============== 
LEGG MASON VALUE EQUITY SUB-ACCOUNT (CLASS B)                                         
  11/07/2005    to  12/31/2005       10.247064        10.623775            9,324.5179 
  01/01/2006    to  12/31/2006       10.623775        11.154963           81,551.1511 
  01/01/2007    to  12/31/2007       11.154963        10.338948          343,368.8306 
  01/01/2008    to  12/31/2008       10.338948         4.622100        1,172,425.6819 
  01/01/2009    to  12/31/2009        4.622100         6.282167        1,548,555.4900 
  01/01/2010    to  12/31/2010        6.282167         6.642605        1,716,221.8393 
============   ==== ==========       =========        =========        ============== 
LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                    
  05/01/2006    to  12/31/2006        9.988767        10.332542           11,206.9474 
  01/01/2007    to  12/31/2007       10.332542        13.012885          129,039.2612 
  01/01/2008    to  12/31/2008       13.012885         7.786017          208,532.8940 
  01/01/2009    to  12/31/2009        7.786017        10.800864          201,839.5700 
  01/01/2010    to  12/31/2010       10.800864        12.982352          317,025.5771 
============   ==== ==========       =========        =========        ============== 
LORD ABBETT BOND DEBENTURE SUB-ACCOUNT (CLASS B)                                      
  05/01/2003    to  12/31/2003       14.697264        16.093112          923,928.1901 
  01/01/2004    to  12/31/2004       16.093112        17.147561        1,131,596.6690 
  01/01/2005    to  12/31/2005       17.147561        17.145239          748,444.4360 
  01/01/2006    to  12/31/2006       17.145239        18.435781          730,961.6142 
  01/01/2007    to  12/31/2007       18.435781        19.349333          688,689.2732 
  01/01/2008    to  12/31/2008       19.349333        15.514573          572,738.3589 
  01/01/2009    to  12/31/2009       15.514573        20.903878          547,126.4200 
  01/01/2010    to  12/31/2010       20.903878        23.262748          514,252.2400 
============   ==== ==========       =========        =========        ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.50% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
LORD ABBETT GROWTH AND INCOME SUB-ACCOUNT (CLASS B)                                 
  05/01/2003    to  12/31/2003       34.555426        43.056580        525,677.3736 
  01/01/2004    to  12/31/2004       43.056580        47.778007        722,605.9075 
  01/01/2005    to  12/31/2005       47.778007        48.665131        556,709.7101 
  01/01/2006    to  12/31/2006       48.665131        56.469091        565,427.4055 
  01/01/2007    to  12/31/2007       56.469091        57.693957        507,883.6488 
  01/01/2008    to  12/31/2008       57.693957        36.184576        428,208.4418 
  01/01/2009    to  12/31/2009       36.184576        42.202212        402,058.2500 
  01/01/2010    to  12/31/2010       42.202212        48.649688        380,569.3515 
============   ==== ==========       =========        =========      ============== 
MET/EATON VANCE FLOATING RATE SUB-ACCOUNT (CLASS B)                                 
  05/03/2010    to  12/31/2010        9.997945        10.215799         28,549.9084 
============   ==== ==========       =========        =========      ============== 
LORD ABBETT MID CAP VALUE SUB-ACCOUNT (CLASS B)                                     
  04/28/2008    to  12/31/2008       24.916874        16.405609          8,032.7341 
  01/01/2009    to  12/31/2009       16.405609        20.449682         45,422.6200 
  01/01/2010    to  12/31/2010       20.449682        25.288078         91,338.6787 
============   ==== ==========       =========        =========      ============== 
MET/FRANKLIN MUTUAL SHARES SUB-ACCOUNT (CLASS B)                                    
  04/28/2008    to  12/31/2008        9.998356         6.595589         30,032.9140 
  01/01/2009    to  12/31/2009        6.595589         8.114223        221,587.1800 
  01/01/2010    to  12/31/2010        8.114223         8.874608        440,461.5658 
============   ==== ==========       =========        =========      ============== 
MET/FRANKLIN TEMPLETON FOUNDING STRATEGY SUB-ACCOUNT (CLASS B)                      
  04/28/2008    to  12/31/2008        9.998356         7.028791        862,124.2934 
  01/01/2009    to  12/31/2009        7.028791         8.901095      1,281,766.2500 
  01/01/2010    to  12/31/2010        8.901095         9.649500      1,510,476.3808 
============   ==== ==========       =========        =========      ============== 
MET/PUTNAM RESEARCH SUB-ACCOUNT (CLASS B)                                           
  05/01/2003    to  12/31/2003        6.425734         7.717350        184,539.7269 
  01/01/2004    to  11/19/2004        7.717350         7.920970        303,419.9832 
============   ==== ==========       =========        =========      ============== 
MET/TEMPLETON INTERNATIONAL BOND SUB-ACCOUNT (CLASS B)                              
  05/04/2009    to  12/31/2009        9.998356        10.889857         20,503.4300 
  01/01/2010    to  12/31/2010       10.889857        12.180591        100,798.6054 
============   ==== ==========       =========        =========      ============== 
MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                         
  05/01/2006    to  12/31/2006        9.988767        10.471493         31,376.9890 
  01/01/2007    to  12/31/2007       10.471493        14.092068        222,274.4968 
  01/01/2008    to  12/31/2008       14.092068         6.172943        573,951.4555 
  01/01/2009    to  12/31/2009        6.172943        10.273766      1,124,457.4500 
  01/01/2010    to  12/31/2010       10.273766        12.515157      1,824,961.8202 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.50% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                          
  05/01/2003    to  12/31/2003        7.334391         9.484912        341,186.9079 
  01/01/2004    to  12/31/2004        9.484912        11.170897        931,002.4173 
  01/01/2005    to  12/31/2005       11.170897        12.812338        718,459.0428 
  01/01/2006    to  12/31/2006       12.812338        15.975005        849,134.1505 
  01/01/2007    to  12/31/2007       15.975005        17.827392        981,756.7932 
  01/01/2008    to  12/31/2008       17.827392        10.121297      1,102,778.8241 
  01/01/2009    to  12/31/2009       10.121297        13.117935      1,248,072.5200 
  01/01/2010    to  12/31/2010       13.117935        14.396532      1,361,449.3782 
============   ==== ==========       =========        =========      ============== 
OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B)                              
  05/01/2003    to  12/31/2003        6.545686         7.959003      1,870,642.0503 
  01/01/2004    to  12/31/2004        7.959003         8.342276      2,688,780.5124 
  01/01/2005    to  12/31/2005        8.342276         8.605857      2,117,060.4438 
  01/01/2006    to  12/31/2006        8.605857         9.123759      2,000,058.6283 
  01/01/2007    to  12/31/2007        9.123759        10.271393      2,041,909.8369 
  01/01/2008    to  12/31/2008       10.271393         5.469755      2,032,539.1654 
  01/01/2009    to  12/31/2009        5.469755         7.743159      1,892,876.1200 
  01/01/2010    to  12/31/2010        7.743159         8.344698      1,839,185.2455 
============   ==== ==========       =========        =========      ============== 
PIMCO INFLATION PROTECTED BOND SUB-ACCOUNT (CLASS B)                                
  05/01/2003    to  12/31/2003       10.000000        10.428951        979,191.3103 
  01/01/2004    to  12/31/2004       10.428951        11.199010      1,664,254.2638 
  01/01/2005    to  12/31/2005       11.199010        11.185776      1,258,097.5813 
  01/01/2006    to  12/31/2006       11.185776        11.062326      1,081,097.2073 
  01/01/2007    to  12/31/2007       11.062326        12.073393      1,176,094.6040 
  01/01/2008    to  12/31/2008       12.073393        11.073801        940,077.9847 
  01/01/2009    to  12/31/2009       11.073801        12.877885      1,253,694.6600 
  01/01/2010    to  12/31/2010       12.877885        13.670777      1,531,963.2254 
============   ==== ==========       =========        =========      ============== 
PIMCO TOTAL RETURN SUB-ACCOUNT (CLASS B)                                            
  05/01/2003    to  12/31/2003       11.613154        11.671860        984,214.9295 
  01/01/2004    to  12/31/2004       11.671860        12.070302      1,124,179.3780 
  01/01/2005    to  12/31/2005       12.070302        12.158353        934,478.0215 
  01/01/2006    to  12/31/2006       12.158353        12.518956      1,006,056.1846 
  01/01/2007    to  12/31/2007       12.518956        13.264424        987,878.3809 
  01/01/2008    to  12/31/2008       13.264424        13.119967      1,056,182.8372 
  01/01/2009    to  12/31/2009       13.119967        15.254824      1,792,974.4900 
  01/01/2010    to  12/31/2010       15.254824        16.255590      3,120,938.4598 
============   ==== ==========       =========        =========      ============== 
PIONEER FUND SUB-ACCOUNT (CLASS B)                                                  
  05/04/2009    to  12/31/2009       13.194952        16.165833          5,324.5200 
  01/01/2010    to  12/31/2010       16.165833        18.462348         16,114.1189 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.50% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS E)                                       
  05/03/2010    to  12/31/2010       11.797967        12.384163          77,677.9539 
============   ==== ==========       =========        =========       ============== 
RAINIER LARGE CAP EQUITY SUB-ACCOUNT (CLASS B)                                       
  11/12/2007    to  12/31/2007        9.565243         9.982197          31,728.5190 
  01/01/2008    to  12/31/2008        9.982197         5.722267          68,952.7518 
  01/01/2009    to  12/31/2009        5.722267         6.947752          75,393.2500 
  01/01/2010    to  12/31/2010        6.947752         7.897323         141,990.9510 
============   ==== ==========       =========        =========       ============== 
RCM TECHNOLOGY SUB-ACCOUNT (CLASS B)                                                 
  05/01/2003    to  12/31/2003        3.305316         4.596762         376,764.9283 
  01/01/2004    to  12/31/2004        4.596762         4.332878         944,721.5371 
  01/01/2005    to  12/31/2005        4.332878         4.738761         763,828.3954 
  01/01/2006    to  12/31/2006        4.738761         4.917987         735,899.2357 
  01/01/2007    to  12/31/2007        4.917987         6.371552         821,833.3211 
  01/01/2008    to  12/31/2008        6.371552         3.486398         714,292.5361 
  01/01/2009    to  12/31/2009        3.486398         5.460004         746,302.3100 
  01/01/2010    to  12/31/2010        5.460004         6.868157         732,075.9598 
============   ==== ==========       =========        =========       ============== 
SSGA GROWTH AND INCOME ETF SUB-ACCOUNT (CLASS B)                                     
  11/10/2008    to  12/31/2008        8.379115         8.543334             610.7628 
  01/01/2009    to  12/31/2009        8.543334        10.510685         818,025.6200 
  01/01/2010    to  12/31/2010       10.510685        11.621510       2,337,571.1162 
============   ==== ==========       =========        =========       ============== 
SSGA GROWTH ETF SUB-ACCOUNT (CLASS B)                                                
  11/10/2008    to  12/31/2008        7.758305         7.832534               0.0000 
  01/01/2009    to  12/31/2009        7.832534         9.961190         326,053.5500 
  01/01/2010    to  12/31/2010        9.961190        11.201872         501,311.5060 
============   ==== ==========       =========        =========       ============== 
T. ROWE PRICE MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                   
  05/01/2003    to  12/31/2003        4.758231         6.120250       1,265,528.1007 
  01/01/2004    to  12/31/2004        6.120250         7.103474       1,418,696.1502 
  01/01/2005    to  12/31/2005        7.103474         8.021608       1,505,958.0827 
  01/01/2006    to  12/31/2006        8.021608         8.389616       1,301,126.7319 
  01/01/2007    to  12/31/2007        8.389616         9.721661       1,271,289.4453 
  01/01/2008    to  12/31/2008        9.721661         5.769878       1,167,754.4522 
  01/01/2009    to  12/31/2009        5.769878         8.268610       1,354,095.0000 
  01/01/2010    to  12/31/2010        8.268610        10.400548       1,428,454.9729 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.50% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
THIRD AVENUE SMALL CAP VALUE SUB-ACCOUNT (CLASS B)                                  
  05/01/2003    to  12/31/2003        8.471513        11.473181        822,102.8845 
  01/01/2004    to  12/31/2004       11.473181        14.297607      1,262,122.0154 
  01/01/2005    to  12/31/2005       14.297607        16.265528      1,141,959.3647 
  01/01/2006    to  12/31/2006       16.265528        18.128055      1,061,165.5239 
  01/01/2007    to  12/31/2007       18.128055        17.317227      1,108,343.4965 
  01/01/2008    to  12/31/2008       17.317227        11.971285        937,217.2225 
  01/01/2009    to  12/31/2009       11.971285        14.912405        926,217.7600 
  01/01/2010    to  12/31/2010       14.912405        17.613554        932,436.2940 
============   ==== ==========       =========        =========      ============== 
TURNER MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                         
  05/01/2004    to  12/31/2004        9.998767        11.107592        304,226.4600 
  01/01/2005    to  12/31/2005       11.107592        12.185496        187,019.8349 
  01/01/2006    to  12/31/2006       12.185496        12.733479        195,773.9448 
  01/01/2007    to  12/31/2007       12.733479        15.571869        281,775.0479 
  01/01/2008    to  12/31/2008       15.571869         7.930605        268,466.9860 
  01/01/2009    to  12/31/2009        7.930605        11.497328        248,684.6000 
  01/01/2010    to  12/31/2010       11.497328        14.402830        264,211.7357 
============   ==== ==========       =========        =========      ============== 
VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B)                                           
  05/01/2005    to  12/31/2005        9.998767        10.468869         77,238.6746 
  01/01/2006    to  12/31/2006       10.468869        11.969030        182,103.1289 
  01/01/2007    to  12/31/2007       11.969030        11.496053        185,588.1520 
  01/01/2008    to  12/31/2008       11.496053         7.257528        209,152.8423 
  01/01/2009    to  12/31/2009        7.257528         9.050430      2,906,668.4200 
  01/01/2010    to  12/31/2010        9.050430        10.242106      3,428,373.7229 
============   ==== ==========       =========        =========      ============== 
METROPOLITAN SERIES FUND, INC.                                                      
BARCLAYS CAPITAL AGGREGATE BOND INDEX SUB-ACCOUNT (CLASS G)                         
  05/04/2009    to  12/31/2009       14.266548        14.757461         51,175.2300 
  01/01/2010    to  12/31/2010       14.757461        15.359246        137,930.7132 
============   ==== ==========       =========        =========      ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                        
  05/01/2005    to  12/31/2005        9.942177        10.040284        314,820.6458 
  01/01/2006    to  12/31/2006       10.040284        10.341366        648,996.2731 
  01/01/2007    to  12/31/2007       10.341366        10.677005        463,556.3497 
  01/01/2008    to  12/31/2008       10.677005        10.790988      1,001,709.3579 
  01/01/2009    to  12/31/2009       10.790988        10.657244      1,199,681.6900 
  01/01/2010    to  12/31/2010       10.657244        10.498571        792,749.6308 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.50% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                        
 (FORMERLY MET INVESTORS SERIES TRUST - MONEY MARKET SUB-ACCOUNT (CLASS B))         
  05/01/2003    to  12/31/2003       10.096666        10.018792        199,522.4947 
  01/01/2004    to  12/31/2004       10.018792         9.932521        321,584.5729 
  01/01/2005    to  04/30/2005        9.932521         9.942272              0.0000 
============   ==== ==========       =========        =========      ============== 
DAVIS VENTURE VALUE SUB-ACCOUNT (CLASS E)                                           
  05/01/2003    to  12/31/2003        8.556367        10.767472      1,337,704.9715 
  01/01/2004    to  12/31/2004       10.767472        11.894586      2,810,933.8280 
  01/01/2005    to  12/31/2005       11.894586        12.905737      2,340,963.5903 
  01/01/2006    to  12/31/2006       12.905737        14.545670      2,305,536.6054 
  01/01/2007    to  12/31/2007       14.545670        14.962968      2,155,727.5537 
  01/01/2008    to  12/31/2008       14.962968         8.923576      1,900,488.2003 
  01/01/2009    to  12/31/2009        8.923576        11.588607      1,834,889.7100 
  01/01/2010    to  12/31/2010       11.588607        12.765184      1,842,817.4148 
============   ==== ==========       =========        =========      ============== 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                               
  05/01/2003    to  12/31/2003        8.069248         9.748996        790,492.1098 
  01/01/2004    to  12/31/2004        9.748996        10.461794      1,210,962.0864 
  01/01/2005    to  12/31/2005       10.461794        11.701673        963,570.1510 
  01/01/2006    to  12/31/2006       11.701673        11.818868        900,755.2061 
  01/01/2007    to  12/31/2007       11.818868        12.967866        856,242.3937 
  01/01/2008    to  12/31/2008       12.967866         8.105624        932,834.4034 
  01/01/2009    to  12/31/2009        8.105624        11.144049        960,751.0700 
  01/01/2010    to  12/31/2010       11.144049        12.220261        944,079.1595 
============   ==== ==========       =========        =========      ============== 
MET/ARTISAN MID CAP VALUE SUB-ACCOUNT (CLASS B)                                     
  05/01/2003    to  12/31/2003       10.939577        13.970674        998,905.5531 
  01/01/2004    to  12/31/2004       13.970674        15.090555      1,258,947.6906 
  01/01/2005    to  12/31/2005       15.090555        16.309697      1,065,949.9144 
  01/01/2006    to  12/31/2006       16.309697        18.023482        979,787.7027 
  01/01/2007    to  12/31/2007       18.023482        16.497600        919,954.8595 
  01/01/2008    to  12/31/2008       16.497600         8.753944        838,383.1873 
  01/01/2009    to  12/31/2009        8.753944        12.176376        810,627.5000 
  01/01/2010    to  12/31/2010       12.176376        13.765675        750,895.1539 
============   ==== ==========       =========        =========      ============== 
MET/DIMENSIONAL INTERNATIONAL SMALL COMPANY SUB-ACCOUNT (CLASS B)                   
  11/10/2008    to  12/31/2008       10.065452        10.134178              0.0000 
  01/01/2009    to  12/31/2009       10.134178        14.247829         32,074.1900 
  01/01/2010    to  12/31/2010       14.247829        17.206447         48,330.4830 
============   ==== ==========       =========        =========      ============== 
METLIFE MID CAP STOCK INDEX SUB-ACCOUNT (CLASS G)                                   
  05/04/2009    to  12/31/2009       10.983256        13.681387          9,550.9800 
  01/01/2010    to  12/31/2010       13.681387        16.971030         46,596.7685 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.50% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
METLIFE STOCK INDEX SUB-ACCOUNT (CLASS B)                                           
  05/01/2003    to  12/31/2003        8.627802        10.446114        527,967.2267 
  01/01/2004    to  12/31/2004       10.446114        11.347920        906,649.8217 
  01/01/2005    to  12/31/2005       11.347920        11.668631        910,222.5291 
  01/01/2006    to  12/31/2006       11.668631        13.241076        859,032.6016 
  01/01/2007    to  12/31/2007       13.241076        13.691738        788,994.3507 
  01/01/2008    to  12/31/2008       13.691738         8.461905        719,539.3286 
  01/01/2009    to  12/31/2009        8.461905        10.496644      1,087,522.7700 
  01/01/2010    to  12/31/2010       10.496644        11.838816        908,963.9546 
============   ==== ==========       =========        =========      ============== 
MORGAN STANLEY EAFE (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                           
  05/04/2009    to  12/31/2009        9.131939        11.760063         40,208.0000 
  01/01/2010    to  12/31/2010       11.760063        12.484561         65,363.0534 
============   ==== ==========       =========        =========      ============== 
RUSSELL 2000 (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                                  
  05/04/2009    to  12/31/2009       11.320010        13.923948         15,004.9700 
  01/01/2010    to  12/31/2010       13.923948        17.358023         54,915.1554 
============   ==== ==========       =========        =========      ============== 
VAN ECK GLOBAL NATURAL RESOURCES SUB-ACCOUNT (CLASS B)                              
  05/04/2009    to  12/31/2009       11.621630        14.769812         29,562.7400 
  01/01/2010    to  12/31/2010       14.769812        18.773125         81,019.1381 
============   ==== ==========       =========        =========      ============== 
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                      
  05/01/2005    to  12/31/2005       15.637653        15.611281        139,800.7028 
  01/01/2006    to  12/31/2006       15.611281        15.981559        237,649.2315 
  01/01/2007    to  12/31/2007       15.981559        16.377312        269,307.2655 
  01/01/2008    to  12/31/2008       16.377312        16.046974        536,344.0675 
  01/01/2009    to  12/31/2009       16.046974        16.453082        923,869.7500 
  01/01/2010    to  12/31/2010       16.453082        17.098382      1,416,325.5878 
============   ==== ==========       =========        =========      ============== 
MET INVESTORS SERIES TRUST - METLIFE ASSET ALLOCATION PROGRAM                       
METLIFE AGGRESSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                   
  11/22/2004    to  12/31/2004       10.301967        10.689858      1,667,502.9330 
  01/01/2005    to  12/31/2005       10.689858        11.624285      2,989,218.8353 
  01/01/2006    to  12/31/2006       11.624285        13.014582      3,243,607.4584 
  01/01/2007    to  12/31/2007       13.014582        13.189874      3,303,842.0630 
  01/01/2008    to  12/31/2008       13.189874         7.690011      3,046,313.8093 
  01/01/2009    to  12/31/2009        7.690011        10.048645      3,041,105.0500 
  01/01/2010    to  12/31/2010       10.048645        11.532589      2,626,105.7128 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.50% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
METLIFE BALANCED STRATEGY SUB-ACCOUNT (CLASS B)                                       
  11/22/2004    to  12/31/2004       10.102117        10.393805        6,546,978.7990 
  01/01/2005    to  12/31/2005       10.393805        10.968727       13,965,365.0188 
  01/01/2006    to  12/31/2006       10.968727        12.100171       16,563,341.4943 
  01/01/2007    to  12/31/2007       12.100171        12.501027       19,359,187.5971 
  01/01/2008    to  12/31/2008       12.501027         8.381568       18,121,995.4518 
  01/01/2009    to  12/31/2009        8.381568        10.596426       19,448,590.6500 
  01/01/2010    to  12/31/2010       10.596426        11.856876       21,019,893.0441 
============   ==== ==========       =========        =========       =============== 
METLIFE DEFENSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                      
  11/22/2004    to  12/31/2004        9.942236        10.109895          309,388.4846 
  01/01/2005    to  12/31/2005       10.109895        10.405971          846,563.9767 
  01/01/2006    to  12/31/2006       10.405971        11.135709        1,226,978.5669 
  01/01/2007    to  12/31/2007       11.135709        11.618345        1,665,556.5249 
  01/01/2008    to  12/31/2008       11.618345         9.081397        3,086,366.5598 
  01/01/2009    to  12/31/2009        9.081397        10.995591        3,555,247.3600 
  01/01/2010    to  12/31/2010       10.995591        12.012878        4,425,031.5455 
============   ==== ==========       =========        =========       =============== 
METLIFE GROWTH STRATEGY SUB-ACCOUNT (CLASS B)                                         
  11/22/2004    to  12/31/2004       10.242012        10.604748        5,614,494.9200 
  01/01/2005    to  12/31/2005       10.604748        11.400582       12,106,413.7772 
  01/01/2006    to  12/31/2006       11.400582        12.758172       15,990,624.8470 
  01/01/2007    to  12/31/2007       12.758172        13.158195       19,602,856.3872 
  01/01/2008    to  12/31/2008       13.158195         8.053398       18,904,810.1465 
  01/01/2009    to  12/31/2009        8.053398        10.321347       18,420,990.1200 
  01/01/2010    to  12/31/2010       10.321347        11.742704       17,463,782.7026 
============   ==== ==========       =========        =========       =============== 
METLIFE MODERATE STRATEGY SUB-ACCOUNT (CLASS B)                                       
  11/22/2004    to  12/31/2004       10.012183        10.230125        1,561,629.5600 
  01/01/2005    to  12/31/2005       10.230125        10.664048        3,762,480.2562 
  01/01/2006    to  12/31/2006       10.664048        11.580662        4,594,947.6354 
  01/01/2007    to  12/31/2007       11.580662        12.115397        5,335,534.1478 
  01/01/2008    to  12/31/2008       12.115397         8.781314        6,152,802.3731 
  01/01/2009    to  12/31/2009        8.781314        10.907208        7,435,411.3900 
  01/01/2010    to  12/31/2010       10.907208        12.077193        8,957,906.6892 
============   ==== ==========       =========        =========       =============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.55% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
MET INVESTORS SERIES TRUST                                                            
AMERICAN FUNDS BALANCED ALLOCATION SUB-ACCOUNT (CLASS C)                              
  04/28/2008    to  12/31/2008       10.008301         7.004420        9,286,471.2884 
  01/01/2009    to  12/31/2009        7.004420         8.919228       15,007,484.7900 
  01/01/2010    to  12/31/2010        8.919228         9.850085       17,804,582.7630 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS C)                                             
  04/28/2008    to  12/31/2008       10.038300         8.943139          790,860.6104 
  01/01/2009    to  12/31/2009        8.943139         9.873009        1,531,600.5300 
  01/01/2010    to  12/31/2010        9.873009        10.314243        1,951,922.2287 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS GROWTH ALLOCATION SUB-ACCOUNT (CLASS C)                                
  04/28/2008    to  12/31/2008        9.998301         6.353235       16,408,181.3342 
  01/01/2009    to  12/31/2009        6.353235         8.384885       21,262,237.3100 
  01/01/2010    to  12/31/2010        8.384885         9.369155       21,749,656.8435 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS C)                                           
  04/28/2008    to  12/31/2008        9.988302         5.753720        2,481,892.0547 
  01/01/2009    to  12/31/2009        5.753720         7.868382        3,716,158.6400 
  01/01/2010    to  12/31/2010        7.868382         9.167241        4,658,037.1483 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS INTERNATIONAL SUB-ACCOUNT (CLASS C)                                    
  04/28/2008    to  12/31/2008       10.088298         6.048679        1,701,002.1431 
  01/01/2009    to  12/31/2009        6.048679         8.490229        2,463,110.1900 
  01/01/2010    to  12/31/2010        8.490229         8.935936        3,106,999.0940 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS MODERATE ALLOCATION SUB-ACCOUNT (CLASS C)                              
  04/28/2008    to  12/31/2008       10.018301         7.677443        7,364,007.6845 
  01/01/2009    to  12/31/2009        7.677443         9.327990       11,237,324.6000 
  01/01/2010    to  12/31/2010        9.327990        10.094473       11,851,260.7619 
============   ==== ==========       =========        =========       =============== 
BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                            
  04/28/2008    to  12/31/2008       16.521641        12.346921          145,114.5742 
  01/01/2009    to  12/31/2009       12.346921        17.828224          619,867.7000 
  01/01/2010    to  12/31/2010       17.828224        20.322814          723,349.9054 
============   ==== ==========       =========        =========       =============== 
CLARION GLOBAL REAL ESTATE SUB-ACCOUNT (CLASS B)                                      
  05/01/2004    to  12/31/2004        9.998726        12.820747        1,285,526.3249 
  01/01/2005    to  12/31/2005       12.820747        14.301354        1,037,085.5635 
  01/01/2006    to  12/31/2006       14.301354        19.374246        1,550,846.3065 
  01/01/2007    to  12/31/2007       19.374246        16.212180        1,281,966.1503 
  01/01/2008    to  12/31/2008       16.212180         9.310030        1,268,369.7004 
  01/01/2009    to  12/31/2009        9.310030        12.350911        1,202,352.6400 
  01/01/2010    to  12/31/2010       12.350911        14.119798        1,176,743.3391 
============   ==== ==========       =========        =========       =============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.55% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
GOLDMAN SACHS MID CAP VALUE SUB-ACCOUNT (CLASS B)                                     
  05/01/2004    to  12/31/2004        9.998726        11.959762        1,102,347.7665 
  01/01/2005    to  12/31/2005       11.959762        13.252669        1,255,052.0060 
  01/01/2006    to  12/31/2006       13.252669        15.097059        1,840,179.4484 
  01/01/2007    to  12/31/2007       15.097059        15.323863        1,974,328.5432 
  01/01/2008    to  12/31/2008       15.323863         9.644499        1,472,172.0346 
  01/01/2009    to  12/31/2009        9.644499        12.563686        1,280,931.2900 
  01/01/2010    to  12/31/2010       12.563686        15.368239        1,246,714.2721 
============   ==== ==========      ==========       ==========        ============== 
HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                    
  10/09/2001    to  12/31/2001       10.000000        10.931888            4,037.2252 
  01/01/2002    to  12/31/2002       10.931888         8.816298          276,216.8987 
  01/01/2003    to  12/31/2003        8.816298        11.716282        2,862,323.8722 
  01/01/2004    to  12/31/2004       11.716282        13.903248        3,433,073.0381 
  01/01/2005    to  12/31/2005       13.903248        15.639015        3,053,798.5167 
  01/01/2006    to  12/31/2006       15.639015        19.841608        3,839,493.5102 
  01/01/2007    to  12/31/2007       19.841608        19.316263        3,627,717.1768 
  01/01/2008    to  12/31/2008       19.316263        11.242663        3,364,589.0969 
  01/01/2009    to  12/31/2009       11.242663        17.165018        3,088,930.4000 
  01/01/2010    to  12/31/2010       17.165018        19.676322        3,143,419.8913 
============   ==== ==========      ==========       ==========        ============== 
INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                        
 (FORMERLY MET/AIM SMALL CAP GROWTH SUB-ACCOUNT (CLASS B))                            
  10/09/2001    to  12/31/2001       10.000000        11.848284           28,117.1670 
  01/01/2002    to  12/31/2002       11.848284         8.457339          885,410.3746 
  01/01/2003    to  12/31/2003        8.457339        11.563798        2,268,579.5739 
  01/01/2004    to  12/31/2004       11.563798        12.117839        3,030,400.5294 
  01/01/2005    to  12/31/2005       12.117839        12.918267        2,267,560.3441 
  01/01/2006    to  12/31/2006       12.918267        14.524142        2,367,140.1379 
  01/01/2007    to  12/31/2007       14.524142        15.882719        2,161,461.2596 
  01/01/2008    to  12/31/2008       15.882719         9.581346        2,002,986.7571 
  01/01/2009    to  12/31/2009        9.581346        12.624541        1,857,015.3000 
  01/01/2010    to  12/31/2010       12.624541        15.685173        1,782,701.9618 
============   ==== ==========      ==========       ==========        ============== 
JANUS FORTY SUB-ACCOUNT (CLASS B)                                                     
  05/03/2010    to  12/31/2010      144.950960       148.918147           12,508.3851 
============   ==== ==========      ==========       ==========        ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.55% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
LAZARD MID CAP SUB-ACCOUNT (CLASS B)                                                 
  10/09/2001    to  12/31/2001       10.000000        10.987487          20,124.3000 
  01/01/2002    to  12/31/2002       10.987487         9.648180         538,310.0754 
  01/01/2003    to  12/31/2003        9.648180        11.986389       2,255,146.6683 
  01/01/2004    to  12/31/2004       11.986389        13.501246       1,793,295.2164 
  01/01/2005    to  12/31/2005       13.501246        14.365513       1,502,465.8760 
  01/01/2006    to  12/31/2006       14.365513        16.220973       1,416,020.0097 
  01/01/2007    to  12/31/2007       16.220973        15.537278       1,317,758.5597 
  01/01/2008    to  12/31/2008       15.537278         9.438450       1,228,489.0497 
  01/01/2009    to  12/31/2009        9.438450        12.709648       1,164,393.3400 
  01/01/2010    to  12/31/2010       12.709648        15.374937       1,123,733.5131 
============   ==== ==========       =========        =========       ============== 
LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                       
 (FORMERLY LEGG MASON PARTNERS AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))              
  03/21/2001    to  12/31/2001        8.041634         7.299489         375,946.0256 
  01/01/2002    to  12/31/2002        7.299489         5.186539       1,550,682.3521 
  01/01/2003    to  12/31/2003        5.186539         6.684840       4,963,173.8274 
  01/01/2004    to  12/31/2004        6.684840         7.137295       4,250,790.1304 
  01/01/2005    to  12/31/2005        7.137295         7.981937       2,950,067.8894 
  01/01/2006    to  12/31/2006        7.981937         7.722873       3,052,274.0469 
  01/01/2007    to  12/31/2007        7.722873         7.775812       2,788,672.1390 
  01/01/2008    to  12/31/2008        7.775812         4.666062       2,606,397.3735 
  01/01/2009    to  12/31/2009        4.666062         6.108653       2,327,286.5600 
  01/01/2010    to  12/31/2010        6.108653         7.445477       2,377,409.8134 
============   ==== ==========       =========        =========       ============== 
LEGG MASON VALUE EQUITY SUB-ACCOUNT (CLASS B)                                        
  11/07/2005    to  12/31/2005       10.246967        10.622902          11,199.5403 
  01/01/2006    to  12/31/2006       10.622902        11.148484         782,041.0111 
  01/01/2007    to  12/31/2007       11.148484        10.327747       1,025,605.6494 
  01/01/2008    to  12/31/2008       10.327747         4.614768       1,168,109.3867 
  01/01/2009    to  12/31/2009        4.614768         6.269067       1,173,476.9300 
  01/01/2010    to  12/31/2010        6.269067         6.625444       1,246,327.8625 
============   ==== ==========       =========        =========       ============== 
LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                   
  05/01/2006    to  12/31/2006        9.988726        10.329074         193,617.3219 
  01/01/2007    to  12/31/2007       10.329074        13.001983       1,346,098.4166 
  01/01/2008    to  12/31/2008       13.001983         7.775588       1,411,345.9994 
  01/01/2009    to  12/31/2009        7.775588        10.781012       1,611,080.4700 
  01/01/2010    to  12/31/2010       10.781012        12.952026       1,639,981.4661 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.55% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
LORD ABBETT BOND DEBENTURE SUB-ACCOUNT (CLASS B)                                    
  03/21/2001    to  12/31/2001       13.963875        13.962133        337,551.0448 
  01/01/2002    to  12/31/2002       13.962133        13.668578      2,112,043.8536 
  01/01/2003    to  12/31/2003       13.668578        16.036858      6,432,602.9652 
  01/01/2004    to  12/31/2004       16.036858        17.079057      5,049,160.4140 
  01/01/2005    to  12/31/2005       17.079057        17.068231      3,421,340.7498 
  01/01/2006    to  12/31/2006       17.068231        18.343828      3,378,801.5732 
  01/01/2007    to  12/31/2007       18.343828        19.243149      3,061,412.7241 
  01/01/2008    to  12/31/2008       19.243149        15.421699      2,165,582.5177 
  01/01/2009    to  12/31/2009       15.421699        20.768373      2,121,348.6000 
  01/01/2010    to  12/31/2010       20.768373        23.100413      1,884,240.8308 
============   ==== ==========       =========        =========      ============== 
LORD ABBETT GROWTH AND INCOME SUB-ACCOUNT (CLASS B)                                 
  03/21/2001    to  12/31/2001       39.123031        41.344503        194,262.4069 
  01/01/2002    to  12/31/2002       41.344503        33.332049      1,007,684.6491 
  01/01/2003    to  12/31/2003       33.332049        42.905952      2,717,972.9723 
  01/01/2004    to  12/31/2004       42.905952        47.587002      2,478,937.4046 
  01/01/2005    to  12/31/2005       47.587002        48.446417      1,980,166.9179 
  01/01/2006    to  12/31/2006       48.446417        56.187289      1,972,468.7829 
  01/01/2007    to  12/31/2007       56.187289        57.377185      1,815,200.8221 
  01/01/2008    to  12/31/2008       57.377185        35.967814      1,494,179.9768 
  01/01/2009    to  12/31/2009       35.967814        41.928431      1,391,191.2400 
  01/01/2010    to  12/31/2010       41.928431        48.309957      1,299,846.6534 
============   ==== ==========       =========        =========      ============== 
MET/EATON VANCE FLOATING RATE SUB-ACCOUNT (CLASS B)                                 
  05/03/2010    to  12/31/2010        9.997877        10.212345         62,940.8819 
============   ==== ==========       =========        =========      ============== 
LORD ABBETT MID CAP VALUE SUB-ACCOUNT (CLASS B)                                     
  04/28/2008    to  12/31/2008       25.142292        16.548409        241,799.2491 
  01/01/2009    to  12/31/2009       16.548409        20.617376        274,203.0200 
  01/01/2010    to  12/31/2010       20.617376        25.482727        305,120.0915 
============   ==== ==========       =========        =========      ============== 
MET/FRANKLIN MUTUAL SHARES SUB-ACCOUNT (CLASS B)                                    
  04/28/2008    to  12/31/2008        9.998301         6.593315        391,745.7640 
  01/01/2009    to  12/31/2009        6.593315         8.107374        666,114.0200 
  01/01/2010    to  12/31/2010        8.107374         8.862691        894,253.0265 
============   ==== ==========       =========        =========      ============== 
MET/FRANKLIN TEMPLETON FOUNDING STRATEGY SUB-ACCOUNT (CLASS B)                      
  04/28/2008    to  12/31/2008        9.998301         7.026370      5,685,455.7042 
  01/01/2009    to  12/31/2009        7.026370         8.893585      7,344,927.1400 
  01/01/2010    to  12/31/2010        8.893585         9.636546      7,821,370.6056 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                        1.55% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
MET/PUTNAM RESEARCH SUB-ACCOUNT (CLASS B)                                             
  03/21/2001    to  12/31/2001        8.137898         8.056476          266,878.5685 
  01/01/2002    to  12/31/2002        8.056476         6.281590          901,094.8229 
  01/01/2003    to  12/31/2003        6.281590         7.690349        1,817,499.2312 
  01/01/2004    to  11/19/2004        7.690349         7.889764        2,035,854.2350 
============   ==== ==========       =========        =========       =============== 
MET/TEMPLETON INTERNATIONAL BOND SUB-ACCOUNT (CLASS B)                                
  05/04/2009    to  12/31/2009        9.998301        10.886207           54,715.1100 
  01/01/2010    to  12/31/2010       10.886207        12.170430          167,290.2096 
============   ==== ==========       =========        =========       =============== 
MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                           
  05/01/2006    to  12/31/2006        9.988726        10.467975          234,049.8683 
  01/01/2007    to  12/31/2007       10.467975        14.080259        1,220,647.4457 
  01/01/2008    to  12/31/2008       14.080259         6.164667        1,509,674.5267 
  01/01/2009    to  12/31/2009        6.164667        10.254869        2,618,089.4200 
  01/01/2010    to  12/31/2010       10.254869        12.485909        2,793,614.7865 
============   ==== ==========       =========        =========       =============== 
MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                            
  03/21/2001    to  12/31/2001        8.805686         8.371336          253,462.5773 
  01/01/2002    to  12/31/2002        8.371336         7.269814        1,423,606.5757 
  01/01/2003    to  12/31/2003        7.269814         9.451731        2,681,802.5049 
  01/01/2004    to  12/31/2004        9.451731        11.126240        3,948,676.3779 
  01/01/2005    to  12/31/2005       11.126240        12.754761        3,011,325.8171 
  01/01/2006    to  12/31/2006       12.754761        15.895291        3,499,951.2116 
  01/01/2007    to  12/31/2007       15.895291        17.729518        3,511,942.6595 
  01/01/2008    to  12/31/2008       17.729518        10.060674        3,198,990.1678 
  01/01/2009    to  12/31/2009       10.060674        13.032848        3,213,003.5900 
  01/01/2010    to  12/31/2010       13.032848        14.296015        3,015,483.4286 
============   ==== ==========       =========        =========       =============== 
OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B)                                
  03/21/2001    to  12/31/2001        8.558733         8.456989          612,798.0288 
  01/01/2002    to  12/31/2002        8.456989         6.267067        3,252,130.4928 
  01/01/2003    to  12/31/2003        6.267067         7.931148        9,406,939.8845 
  01/01/2004    to  12/31/2004        7.931148         8.308913       10,385,882.8179 
  01/01/2005    to  12/31/2005        8.308913         8.567167        7,959,046.9005 
  01/01/2006    to  12/31/2006        8.567167         9.078212        7,444,317.5078 
  01/01/2007    to  12/31/2007        9.078212        10.214981        6,205,886.9023 
  01/01/2008    to  12/31/2008       10.214981         5.436980        4,874,485.1240 
  01/01/2009    to  12/31/2009        5.436980         7.692918        4,253,172.7900 
  01/01/2010    to  12/31/2010        7.692918         8.286415        3,859,269.5012 
============   ==== ==========       =========        =========       =============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.55% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
PIMCO INFLATION PROTECTED BOND SUB-ACCOUNT (CLASS B)                                  
  05/01/2003    to  12/31/2003       10.000000        10.425465        4,619,316.3976 
  01/01/2004    to  12/31/2004       10.425465        11.189656        5,890,782.1348 
  01/01/2005    to  12/31/2005       11.189656        11.170860        4,640,469.4529 
  01/01/2006    to  12/31/2006       11.170860        11.042066        4,659,084.7052 
  01/01/2007    to  12/31/2007       11.042066        12.045226        4,427,688.3956 
  01/01/2008    to  12/31/2008       12.045226        11.042431        4,193,140.1536 
  01/01/2009    to  12/31/2009       11.042431        12.834995        5,728,741.7500 
  01/01/2010    to  12/31/2010       12.834995        13.618440        5,923,991.1967 
============   ==== ==========       =========        =========       =============== 
PIMCO TOTAL RETURN SUB-ACCOUNT (CLASS B)                                              
  03/21/2001    to  12/31/2001       10.161771        10.523893          594,267.2482 
  01/01/2002    to  12/31/2002       10.523893        11.325063        4,438,758.8429 
  01/01/2003    to  12/31/2003       11.325063        11.631034        8,254,960.4589 
  01/01/2004    to  12/31/2004       11.631034        12.022053        7,156,721.7548 
  01/01/2005    to  12/31/2005       12.022053        12.103714        6,140,732.1433 
  01/01/2006    to  12/31/2006       12.103714        12.456484        6,241,551.6398 
  01/01/2007    to  12/31/2007       12.456484        13.191600        6,255,575.1940 
  01/01/2008    to  12/31/2008       13.191600        13.041402        8,296,227.4988 
  01/01/2009    to  12/31/2009       13.041402        15.155905        9,094,511.5400 
  01/01/2010    to  12/31/2010       15.155905        16.142116       10,325,078.3287 
============   ==== ==========       =========        =========       =============== 
PIONEER FUND SUB-ACCOUNT (CLASS B)                                                    
  05/04/2009    to  12/31/2009       13.094754        16.037793           17,027.0800 
  01/01/2010    to  12/31/2010       16.037793        18.306978           71,279.1059 
============   ==== ==========       =========        =========       =============== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS E)                                        
  05/03/2010    to  12/31/2010       23.229967        24.376105          128,300.3990 
============   ==== ==========       =========        =========       =============== 
RAINIER LARGE CAP EQUITY SUB-ACCOUNT (CLASS B)                                        
  11/12/2007    to  12/31/2007        9.565084         9.981362          252,989.2550 
  01/01/2008    to  12/31/2008        9.981362         5.718913        1,161,347.4325 
  01/01/2009    to  12/31/2009        5.718913         6.940210        1,120,794.6500 
  01/01/2010    to  12/31/2010        6.940210         7.884813        1,058,320.9642 
============   ==== ==========       =========        =========       =============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.55% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
RCM TECHNOLOGY SUB-ACCOUNT (CLASS B)                                                
  03/21/2001    to  12/31/2001        7.234270         6.086250        213,915.6068 
  01/01/2002    to  12/31/2002        6.086250         2.952425        883,327.5873 
  01/01/2003    to  12/31/2003        2.952425         4.580635      1,633,943.3731 
  01/01/2004    to  12/31/2004        4.580635         4.315511      2,454,413.2550 
  01/01/2005    to  12/31/2005        4.315511         4.717416      1,827,496.1004 
  01/01/2006    to  12/31/2006        4.717416         4.893393      2,017,174.2673 
  01/01/2007    to  12/31/2007        4.893393         6.336505      3,201,065.8191 
  01/01/2008    to  12/31/2008        6.336505         3.465479      2,631,543.4709 
  01/01/2009    to  12/31/2009        3.465479         5.424533      2,772,135.2400 
  01/01/2010    to  12/31/2010        5.424533         6.820134      2,552,559.7040 
============   ==== ==========       =========        =========      ============== 
SSGA GROWTH AND INCOME ETF SUB-ACCOUNT (CLASS B)                                    
  11/10/2008    to  12/31/2008        8.366077         8.529445         29,380.4125 
  01/01/2009    to  12/31/2009        8.529445        10.488355      1,663,878.6400 
  01/01/2010    to  12/31/2010       10.488355        11.591033      3,281,692.4689 
============   ==== ==========       =========        =========      ============== 
SSGA GROWTH ETF SUB-ACCOUNT (CLASS B)                                               
  11/10/2008    to  12/31/2008        7.746232         7.819798         36,119.5934 
  01/01/2009    to  12/31/2009        7.819798         9.940024      1,877,067.9500 
  01/01/2010    to  12/31/2010        9.940024        11.172492      3,155,794.2880 
============   ==== ==========       =========        =========      ============== 
T. ROWE PRICE MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                  
  03/21/2001    to  12/31/2001        8.099086         8.226988        413,454.3044 
  01/01/2002    to  12/31/2002        8.226988         4.533110      1,942,616.5055 
  01/01/2003    to  12/31/2003        4.533110         6.098811      6,058,122.8378 
  01/01/2004    to  12/31/2004        6.098811         7.075043      5,077,616.0133 
  01/01/2005    to  12/31/2005        7.075043         7.985522      4,887,124.2422 
  01/01/2006    to  12/31/2006        7.985522         8.347710      5,129,926.6394 
  01/01/2007    to  12/31/2007        8.347710         9.668240      5,322,789.3870 
  01/01/2008    to  12/31/2008        9.668240         5.735290      5,132,099.7437 
  01/01/2009    to  12/31/2009        5.735290         8.214937      5,254,318.5300 
  01/01/2010    to  12/31/2010        8.214937        10.327880      5,259,671.9862 
============   ==== ==========       =========        =========      ============== 
THIRD AVENUE SMALL CAP VALUE SUB-ACCOUNT (CLASS B)                                  
  05/01/2002    to  12/31/2002       10.000000         8.224231        574,173.6446 
  01/01/2003    to  12/31/2003        8.224231        11.452136      3,289,763.0104 
  01/01/2004    to  12/31/2004       11.452136        14.264232      3,613,703.7635 
  01/01/2005    to  12/31/2005       14.264232        16.219476      3,159,008.3602 
  01/01/2006    to  12/31/2006       16.219476        18.067717      3,490,210.3731 
  01/01/2007    to  12/31/2007       18.067717        17.250907      3,167,307.4367 
  01/01/2008    to  12/31/2008       17.250907        11.919451      2,780,972.3099 
  01/01/2009    to  12/31/2009       11.919451        14.840417      2,678,424.5000 
  01/01/2010    to  12/31/2010       14.840417        17.519779      2,588,744.7955 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                        1.55% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
TURNER MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                           
  05/01/2004    to  12/31/2004        9.998726        11.103863          807,745.9515 
  01/01/2005    to  12/31/2005       11.103863        12.175337          526,216.8326 
  01/01/2006    to  12/31/2006       12.175337        12.716515          822,609.2209 
  01/01/2007    to  12/31/2007       12.716515        15.543311        1,012,832.9945 
  01/01/2008    to  12/31/2008       15.543311         7.912081        1,009,535.9246 
  01/01/2009    to  12/31/2009        7.912081        11.464744          942,474.6100 
  01/01/2010    to  12/31/2010       11.464744        14.354847          921,077.1073 
============   ==== ==========       =========        =========       =============== 
VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B)                                             
  05/01/2005    to  12/31/2005        9.998726        10.465357          290,014.4667 
  01/01/2006    to  12/31/2006       10.465357        11.959052        1,032,186.8204 
  01/01/2007    to  12/31/2007       11.959052        11.480694        1,188,014.5277 
  01/01/2008    to  12/31/2008       11.480694         7.244190        1,275,126.3041 
  01/01/2009    to  12/31/2009        7.244190         9.028080        1,165,972.7300 
  01/01/2010    to  12/31/2010        9.028080        10.209672        1,299,576.6066 
============   ==== ==========       =========        =========       =============== 
METROPOLITAN SERIES FUND, INC.                                                        
BARCLAYS CAPITAL AGGREGATE BOND INDEX SUB-ACCOUNT (CLASS G)                           
  05/04/2009    to  12/31/2009       14.191970        14.675475           64,428.7900 
  01/01/2010    to  12/31/2010       14.675475        15.266288          235,968.3366 
============   ==== ==========       =========        =========       =============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                          
  05/01/2005    to  12/31/2005        9.900777         9.995162        3,039,676.2882 
  01/01/2006    to  12/31/2006        9.995162        10.289758        3,814,479.9963 
  01/01/2007    to  12/31/2007       10.289758        10.618384        5,599,625.4943 
  01/01/2008    to  12/31/2008       10.618384        10.726365       12,915,180.5981 
  01/01/2009    to  12/31/2009       10.726365        10.588129        9,967,392.3400 
  01/01/2010    to  12/31/2010       10.588129        10.425275        6,697,419.1970 
============   ==== ==========       =========        =========       =============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                          
 (FORMERLY MET INVESTORS SERIES TRUST - MONEY MARKET SUB-ACCOUNT (CLASS B))           
  03/21/2001    to  12/31/2001       10.032441        10.142394          431,445.5300 
  01/01/2002    to  12/31/2002       10.142394        10.095861        2,283,173.6792 
  01/01/2003    to  12/31/2003       10.095861         9.983746        2,948,898.2150 
  01/01/2004    to  12/31/2004        9.983746         9.892815        2,479,422.6610 
  01/01/2005    to  04/30/2005        9.892815         9.900912           71,090.2589 
============   ==== ==========       =========        =========       =============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.55% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
DAVIS VENTURE VALUE SUB-ACCOUNT (CLASS E)                                           
  03/21/2001    to  12/31/2001       10.000000        10.144691        642,550.3776 
  01/01/2002    to  12/31/2002       10.144691         8.335400      3,375,423.5555 
  01/01/2003    to  12/31/2003        8.335400        10.729806      7,298,409.0367 
  01/01/2004    to  12/31/2004       10.729806        11.847038      8,923,006.6889 
  01/01/2005    to  12/31/2005       11.847038        12.847742      7,396,347.7022 
  01/01/2006    to  12/31/2006       12.847742        14.473087      7,633,129.8588 
  01/01/2007    to  12/31/2007       14.473087        14.880819      7,686,213.7456 
  01/01/2008    to  12/31/2008       14.880819         8.870125      7,319,063.5121 
  01/01/2009    to  12/31/2009        8.870125        11.513436      6,904,230.2200 
  01/01/2010    to  12/31/2010       11.513436        12.676051      7,091,686.5135 
============   ==== ==========       =========        =========      ============== 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                               
  05/01/2002    to  12/31/2002       10.000000         7.620419      1,050,939.2922 
  01/01/2003    to  12/31/2003        7.620419         9.731099      3,449,109.3346 
  01/01/2004    to  12/31/2004        9.731099        10.437354      3,838,975.7645 
  01/01/2005    to  12/31/2005       10.437354        11.668521      2,877,686.1189 
  01/01/2006    to  12/31/2006       11.668521        11.779506      3,022,831.1946 
  01/01/2007    to  12/31/2007       11.779506        12.918182      2,769,925.0974 
  01/01/2008    to  12/31/2008       12.918182         8.070513      2,479,181.6819 
  01/01/2009    to  12/31/2009        8.070513        11.090236      2,493,170.3300 
  01/01/2010    to  12/31/2010       11.090236        12.155181      2,710,956.5197 
============   ==== ==========       =========        =========      ============== 
MET/ARTISAN MID CAP VALUE SUB-ACCOUNT (CLASS B)                                     
  03/21/2001    to  12/31/2001       10.000000        11.933782        485,066.9543 
  01/01/2002    to  12/31/2002       11.933782        10.684902      2,278,921.2261 
  01/01/2003    to  12/31/2003       10.684902        13.921813      5,568,162.6649 
  01/01/2004    to  12/31/2004       13.921813        15.030239      4,728,111.6992 
  01/01/2005    to  12/31/2005       15.030239        16.236413      4,041,727.0568 
  01/01/2006    to  12/31/2006       16.236413        17.933554      3,962,750.8350 
  01/01/2007    to  12/31/2007       17.933554        16.407030      3,413,682.7803 
  01/01/2008    to  12/31/2008       16.407030         8.701509      3,018,941.4287 
  01/01/2009    to  12/31/2009        8.701509        12.097394      2,708,478.9300 
  01/01/2010    to  12/31/2010       12.097394        13.669557      2,476,292.2860 
============   ==== ==========       =========        =========      ============== 
MET/DIMENSIONAL INTERNATIONAL SMALL COMPANY SUB-ACCOUNT (CLASS B)                   
  11/10/2008    to  12/31/2008       10.065301        10.133319            319.1318 
  01/01/2009    to  12/31/2009       10.133319        14.239504        156,436.3600 
  01/01/2010    to  12/31/2010       14.239504        17.187816        173,143.2973 
============   ==== ==========       =========        =========      ============== 
METLIFE MID CAP STOCK INDEX SUB-ACCOUNT (CLASS G)                                   
  05/04/2009    to  12/31/2009       10.934843        13.616598         14,046.6900 
  01/01/2010    to  12/31/2010       13.616598        16.882236        117,997.6850 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.55% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
METLIFE STOCK INDEX SUB-ACCOUNT (CLASS B)                                            
  10/09/2001    to  12/31/2001       10.000000        10.846117          60,513.3225 
  01/01/2002    to  12/31/2002       10.846117         8.274548         974,270.3069 
  01/01/2003    to  12/31/2003        8.274548        10.418203       2,321,792.9079 
  01/01/2004    to  12/31/2004       10.418203        11.311929       3,866,252.2493 
  01/01/2005    to  12/31/2005       11.311929        11.625825       3,980,676.4049 
  01/01/2006    to  12/31/2006       11.625825        13.185925       3,772,231.0537 
  01/01/2007    to  12/31/2007       13.185925        13.627858       3,599,478.2320 
  01/01/2008    to  12/31/2008       13.627858         8.418195       2,609,181.7693 
  01/01/2009    to  12/31/2009        8.418195        10.437206       2,716,246.6900 
  01/01/2010    to  12/31/2010       10.437206        11.765903       2,861,248.6055 
============   ==== ==========       =========        =========       ============== 
MORGAN STANLEY EAFE (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                            
  05/04/2009    to  12/31/2009        9.084172        11.694698          31,560.4100 
  01/01/2010    to  12/31/2010       11.694698        12.408974         278,677.4605 
============   ==== ==========       =========        =========       ============== 
RUSSELL 2000 (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                                   
  05/04/2009    to  12/31/2009       11.260792        13.846549          34,212.0600 
  01/01/2010    to  12/31/2010       13.846549        17.252923         243,102.3266 
============   ==== ==========       =========        =========       ============== 
VAN ECK GLOBAL NATURAL RESOURCES SUB-ACCOUNT (CLASS B)                               
  05/04/2009    to  12/31/2009       11.618661        14.761175         106,696.3000 
  01/01/2010    to  12/31/2010       14.761175        18.752786         251,033.7845 
============   ==== ==========       =========        =========       ============== 
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                       
  05/01/2005    to  12/31/2005       15.555699        15.524317          47,979.6539 
  01/01/2006    to  12/31/2006       15.524317        15.884610         161,548.7856 
  01/01/2007    to  12/31/2007       15.884610        16.269782         266,886.4325 
  01/01/2008    to  12/31/2008       16.269782        15.933627         616,218.0613 
  01/01/2009    to  12/31/2009       15.933627        16.328707         718,956.3000 
  01/01/2010    to  12/31/2010       16.328707        16.960653         776,941.3428 
============   ==== ==========       =========        =========       ============== 
MET INVESTORS SERIES TRUST - METLIFE ASSET ALLOCATION PROGRAM                        
METLIFE AGGRESSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                    
  11/22/2004    to  12/31/2004       10.301699        10.689009       2,649,613.2340 
  01/01/2005    to  12/31/2005       10.689009        11.617570       5,300,779.7737 
  01/01/2006    to  12/31/2006       11.617570        13.000581       7,468,528.3660 
  01/01/2007    to  12/31/2007       13.000581        13.169061       7,419,034.2610 
  01/01/2008    to  12/31/2008       13.169061         7.674018       6,565,938.1178 
  01/01/2009    to  12/31/2009        7.674018        10.022737       6,140,999.0500 
  01/01/2010    to  12/31/2010       10.022737        11.497114       6,061,437.2623 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                        1.55% SEPARATE ACCOUNT PRODUCT CHARGES                         
                                                                         NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION    
                                  UNIT VALUE AT    UNIT VALUE AT           UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT   
                                      PERIOD           PERIOD          END OF PERIOD   
                                 ---------------  ---------------  --------------------
                                                                                       
METLIFE BALANCED STRATEGY SUB-ACCOUNT (CLASS B)                                        
  11/22/2004    to  12/31/2004       10.101854        10.392980        19,253,700.8800 
  01/01/2005    to  12/31/2005       10.392980        10.962390        41,877,501.8531 
  01/01/2006    to  12/31/2006       10.962390        12.087152        64,425,856.1014 
  01/01/2007    to  12/31/2007       12.087152        12.481300        86,637,148.3553 
  01/01/2008    to  12/31/2008       12.481300         8.364141        88,399,855.1715 
  01/01/2009    to  12/31/2009        8.364141        10.569112        86,335,971.8000 
  01/01/2010    to  12/31/2010       10.569112        11.820410        84,591,910.7884 
============   ==== ==========       =========        =========       ================ 
METLIFE DEFENSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                       
  11/22/2004    to  12/31/2004        9.941977        10.109092         2,013,349.9680 
  01/01/2005    to  12/31/2005       10.109092        10.399957         6,980,567.5684 
  01/01/2006    to  12/31/2006       10.399957        11.123726         9,747,921.0275 
  01/01/2007    to  12/31/2007       11.123726        11.600009        12,585,727.7053 
  01/01/2008    to  12/31/2008       11.600009         9.062519        23,441,972.6171 
  01/01/2009    to  12/31/2009        9.062519        10.967254        26,608,396.4100 
  01/01/2010    to  12/31/2010       10.967254        11.975937        27,364,143.7528 
============   ==== ==========       =========        =========       ================ 
METLIFE GROWTH STRATEGY SUB-ACCOUNT (CLASS B)                                          
  11/22/2004    to  12/31/2004       10.241746        10.603907        15,209,446.5400 
  01/01/2005    to  12/31/2005       10.603907        11.393996        32,218,154.4778 
  01/01/2006    to  12/31/2006       11.393996        12.744446        64,374,999.9162 
  01/01/2007    to  12/31/2007       12.744446        13.137431       104,224,424.3930 
  01/01/2008    to  12/31/2008       13.137431         8.036651       113,605,082.4786 
  01/01/2009    to  12/31/2009        8.036651        10.294738       105,226,362.8700 
  01/01/2010    to  12/31/2010       10.294738        11.706585        98,348,354.7037 
============   ==== ==========       =========        =========       ================ 
METLIFE MODERATE STRATEGY SUB-ACCOUNT (CLASS B)                                        
  11/22/2004    to  12/31/2004       10.011923        10.229313         6,153,817.0840 
  01/01/2005    to  12/31/2005       10.229313        10.657886        13,175,600.1368 
  01/01/2006    to  12/31/2006       10.657886        11.568201        19,584,843.4273 
  01/01/2007    to  12/31/2007       11.568201        12.096278        26,417,788.6885 
  01/01/2008    to  12/31/2008       12.096278         8.763057        33,396,361.5478 
  01/01/2009    to  12/31/2009        8.763057        10.879096        34,934,029.6200 
  01/01/2010    to  12/31/2010       10.879096        12.040052        34,489,101.6658 
============   ==== ==========       =========        =========       ================ 

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                       1.65% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
MET INVESTORS SERIES TRUST                                                          
AMERICAN FUNDS BALANCED ALLOCATION SUB-ACCOUNT (CLASS C)                            
  04/28/2008    to  12/31/2008       10.008191         6.999592        431,506.2211 
  01/01/2009    to  12/31/2009        6.999592         8.904173        714,236.2700 
  01/01/2010    to  12/31/2010        8.904173         9.823637        693,666.5279 
============   ==== ==========       =========        =========        ============ 
AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS C)                                           
  04/28/2008    to  12/31/2008       10.038190         8.936988         51,426.6301 
  01/01/2009    to  12/31/2009        8.936988         9.856360        106,706.7700 
  01/01/2010    to  12/31/2010        9.856360        10.286561        113,737.6934 
============   ==== ==========       =========        =========        ============ 
AMERICAN FUNDS GROWTH ALLOCATION SUB-ACCOUNT (CLASS C)                              
  04/28/2008    to  12/31/2008        9.998192         6.348852        404,568.4165 
  01/01/2009    to  12/31/2009        6.348852         8.370726        644,719.1700 
  01/01/2010    to  12/31/2010        8.370726         9.343994        806,329.5784 
============   ==== ==========       =========        =========        ============ 
AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS C)                                         
  04/28/2008    to  12/31/2008        9.988192         5.749746        131,487.1394 
  01/01/2009    to  12/31/2009        5.749746         7.855089        213,233.2800 
  01/01/2010    to  12/31/2010        7.855089         9.142614        337,420.8089 
============   ==== ==========       =========        =========        ============ 
AMERICAN FUNDS INTERNATIONAL SUB-ACCOUNT (CLASS C)                                  
  04/28/2008    to  12/31/2008       10.088188         6.044506         85,953.2867 
  01/01/2009    to  12/31/2009        6.044506         8.475894        112,941.8400 
  01/01/2010    to  12/31/2010        8.475894         8.911941        134,983.9482 
============   ==== ==========       =========        =========        ============ 
AMERICAN FUNDS MODERATE ALLOCATION SUB-ACCOUNT (CLASS C)                            
  04/28/2008    to  12/31/2008       10.018191         7.672156        134,313.3327 
  01/01/2009    to  12/31/2009        7.672156         9.312251        216,427.8200 
  01/01/2010    to  12/31/2010        9.312251        10.067374        328,688.8128 
============   ==== ==========       =========        =========        ============ 
BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                          
  04/28/2008    to  12/31/2008       16.329982        12.195423         26,485.3422 
  01/01/2009    to  12/31/2009       12.195423        17.591890        357,946.8600 
  01/01/2010    to  12/31/2010       17.591890        20.033380        412,239.4717 
============   ==== ==========       =========        =========        ============ 
CLARION GLOBAL REAL ESTATE SUB-ACCOUNT (CLASS B)                                    
  05/01/2004    to  12/31/2004        9.998644        12.812153        568,357.1101 
  01/01/2005    to  12/31/2005       12.812153        14.277527        395,543.4809 
  01/01/2006    to  12/31/2006       14.277527        19.322711        453,956.1167 
  01/01/2007    to  12/31/2007       19.322711        16.152793        376,486.1366 
  01/01/2008    to  12/31/2008       16.152793         9.266596        352,080.9877 
  01/01/2009    to  12/31/2009        9.266596        12.280998        338,404.7600 
  01/01/2010    to  12/31/2010       12.280998        14.025858        326,046.4193 
============   ==== ==========       =========        =========        ============ 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.65% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
GOLDMAN SACHS MID CAP VALUE SUB-ACCOUNT (CLASS B)                                   
  05/01/2004    to  12/31/2004        9.998644        11.951741        477,074.9357 
  01/01/2005    to  12/31/2005       11.951741        13.230588        433,735.8007 
  01/01/2006    to  12/31/2006       13.230588        15.056884        509,180.0631 
  01/01/2007    to  12/31/2007       15.056884        15.267724        480,483.4273 
  01/01/2008    to  12/31/2008       15.267724         9.599510        388,848.5256 
  01/01/2009    to  12/31/2009        9.599510        12.492580        354,270.1600 
  01/01/2010    to  12/31/2010       12.492580        15.266007        324,962.0350 
============   ==== ==========      ==========       ==========      ============== 
HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                  
  10/09/2001    to  12/31/2001       10.000000        10.929396          1,596.2444 
  01/01/2002    to  12/31/2002       10.929396         8.805453        200,259.1478 
  01/01/2003    to  12/31/2003        8.805453        11.690181      1,800,857.3596 
  01/01/2004    to  12/31/2004       11.690181        13.858377      1,893,872.6921 
  01/01/2005    to  12/31/2005       13.858377        15.573010      1,460,926.9241 
  01/01/2006    to  12/31/2006       15.573010        19.738183      1,444,291.5282 
  01/01/2007    to  12/31/2007       19.738183        19.196255      1,309,437.7594 
  01/01/2008    to  12/31/2008       19.196255        11.161587      1,097,183.3617 
  01/01/2009    to  12/31/2009       11.161587        17.024193      1,019,238.8700 
  01/01/2010    to  12/31/2010       17.024193        19.495409        944,797.9020 
============   ==== ==========      ==========       ==========      ============== 
INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                      
 (FORMERLY MET/AIM SMALL CAP GROWTH SUB-ACCOUNT (CLASS B))                          
  10/09/2001    to  12/31/2001       10.000000        11.845599         40,372.3824 
  01/01/2002    to  12/31/2002       11.845599         8.446962        722,370.5304 
  01/01/2003    to  12/31/2003        8.446962        11.538078      1,482,751.0855 
  01/01/2004    to  12/31/2004       11.538078        12.078766      1,685,925.2184 
  01/01/2005    to  12/31/2005       12.078766        12.863783      1,213,341.4530 
  01/01/2006    to  12/31/2006       12.863783        14.448465      1,125,427.8246 
  01/01/2007    to  12/31/2007       14.448465        15.784081      1,124,177.1115 
  01/01/2008    to  12/31/2008       15.784081         9.512270        975,505.0406 
  01/01/2009    to  12/31/2009        9.512270        12.520996        901,668.2800 
  01/01/2010    to  12/31/2010       12.520996        15.540993        840,865.8972 
============   ==== ==========      ==========       ==========      ============== 
JANUS FORTY SUB-ACCOUNT (CLASS B)                                                   
  05/03/2010    to  12/31/2010      140.928841       144.689994            956.5056 
============   ==== ==========      ==========       ==========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.65% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
LAZARD MID CAP SUB-ACCOUNT (CLASS B)                                                 
  10/09/2001    to  12/31/2001       10.000000        10.984994          21,430.4004 
  01/01/2002    to  12/31/2002       10.984994         9.636340         372,265.9861 
  01/01/2003    to  12/31/2003        9.636340        11.959724       1,390,805.3998 
  01/01/2004    to  12/31/2004       11.959724        13.457712       1,044,402.9697 
  01/01/2005    to  12/31/2005       13.457712        14.304925         901,098.2128 
  01/01/2006    to  12/31/2006       14.304925        16.136462         798,060.0015 
  01/01/2007    to  12/31/2007       16.136462        15.440795         795,947.1799 
  01/01/2008    to  12/31/2008       15.440795         9.370413         675,629.1812 
  01/01/2009    to  12/31/2009        9.370413        12.605418         635,887.0600 
  01/01/2010    to  12/31/2010       12.605418        15.233624         570,970.5189 
============   ==== ==========       =========        =========       ============== 
LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                       
 (FORMERLY LEGG MASON PARTNERS AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))              
  03/21/2001    to  12/31/2001        8.041634         7.293775         200,665.6505 
  01/01/2002    to  12/31/2002        7.293775         5.177286       1,182,455.2685 
  01/01/2003    to  12/31/2003        5.177286         6.666256       3,040,597.8790 
  01/01/2004    to  12/31/2004        6.666256         7.110320       2,240,054.2473 
  01/01/2005    to  12/31/2005        7.110320         7.943847       1,493,694.9694 
  01/01/2006    to  12/31/2006        7.943847         7.678353       1,319,287.8541 
  01/01/2007    to  12/31/2007        7.678353         7.723216       1,192,379.9742 
  01/01/2008    to  12/31/2008        7.723216         4.629841       1,061,804.9687 
  01/01/2009    to  12/31/2009        4.629841         6.055174         962,745.0000 
  01/01/2010    to  12/31/2010        6.055174         7.372926         877,972.3474 
============   ==== ==========       =========        =========       ============== 
LEGG MASON VALUE EQUITY SUB-ACCOUNT (CLASS B)                                        
  11/07/2005    to  12/31/2005       10.246771        10.621157           1,461.1723 
  01/01/2006    to  12/31/2006       10.621157        11.135542          97,913.2279 
  01/01/2007    to  12/31/2007       11.135542        10.305387         117,018.1167 
  01/01/2008    to  12/31/2008       10.305387         4.600138         137,477.5039 
  01/01/2009    to  12/31/2009        4.600138         6.242944         112,538.2900 
  01/01/2010    to  12/31/2010        6.242944         6.591246         113,475.0820 
============   ==== ==========       =========        =========       ============== 
LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                   
  05/01/2006    to  12/31/2006        9.988644        10.322142          37,091.0910 
  01/01/2007    to  12/31/2007       10.322142        12.980214         282,833.4404 
  01/01/2008    to  12/31/2008       12.980214         7.754770         265,323.3503 
  01/01/2009    to  12/31/2009        7.754770        10.741407         234,967.1000 
  01/01/2010    to  12/31/2010       10.741407        12.891564         276,490.7822 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.65% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
LORD ABBETT BOND DEBENTURE SUB-ACCOUNT (CLASS B)                                     
  03/21/2001    to  12/31/2001       13.963875        13.951241          98,860.4297 
  01/01/2002    to  12/31/2002       13.951241        13.644245       1,433,749.7065 
  01/01/2003    to  12/31/2003       13.644245        15.992320       3,417,720.2748 
  01/01/2004    to  12/31/2004       15.992320        17.014558       2,491,874.8192 
  01/01/2005    to  12/31/2005       17.014558        16.986823       1,707,181.4409 
  01/01/2006    to  12/31/2006       16.986823        18.238141       1,511,266.0668 
  01/01/2007    to  12/31/2007       18.238141        19.113056       1,324,544.3157 
  01/01/2008    to  12/31/2008       19.113056        15.302076       1,044,717.9385 
  01/01/2009    to  12/31/2009       15.302076        20.586701         930,733.7000 
  01/01/2010    to  12/31/2010       20.586701        22.875466         818,625.6143 
============   ==== ==========       =========        =========       ============== 
LORD ABBETT GROWTH AND INCOME SUB-ACCOUNT (CLASS B)                                  
  03/21/2001    to  12/31/2001       39.123031        41.312239         154,864.3979 
  01/01/2002    to  12/31/2002       41.312239        33.272684         866,333.4857 
  01/01/2003    to  12/31/2003       33.272684        42.786777       1,850,654.0769 
  01/01/2004    to  12/31/2004       42.786777        47.407274       1,488,211.5584 
  01/01/2005    to  12/31/2005       47.407274        48.215337       1,165,322.0002 
  01/01/2006    to  12/31/2006       48.215337        55.863563       1,063,571.5275 
  01/01/2007    to  12/31/2007       55.863563        56.989263         965,351.2326 
  01/01/2008    to  12/31/2008       56.989263        35.688706         802,246.1363 
  01/01/2009    to  12/31/2009       35.688706        41.561455         750,530.8800 
  01/01/2010    to  12/31/2010       41.561455        47.839303         669,938.7244 
============   ==== ==========       =========        =========       ============== 
MET/EATON VANCE FLOATING RATE SUB-ACCOUNT (CLASS B)                                  
  05/03/2010    to  12/31/2010        9.997740        10.205438           5,321.2111 
============   ==== ==========       =========        =========       ============== 
LORD ABBETT MID CAP VALUE SUB-ACCOUNT (CLASS B)                                      
  04/28/2008    to  12/31/2008       24.965038        16.420585          41,582.8189 
  01/01/2009    to  12/31/2009       16.420585        20.437665          48,208.3500 
  01/01/2010    to  12/31/2010       20.437665        25.235389          48,736.6244 
============   ==== ==========       =========        =========       ============== 
MET/FRANKLIN MUTUAL SHARES SUB-ACCOUNT (CLASS B)                                     
  04/28/2008    to  12/31/2008        9.998192         6.588767           9,453.2347 
  01/01/2009    to  12/31/2009        6.588767         8.093684          24,509.4300 
  01/01/2010    to  12/31/2010        8.093684         8.838888          71,536.1939 
============   ==== ==========       =========        =========       ============== 
MET/FRANKLIN TEMPLETON FOUNDING STRATEGY SUB-ACCOUNT (CLASS B)                       
  04/28/2008    to  12/31/2008        9.998192         7.021527         262,110.1588 
  01/01/2009    to  12/31/2009        7.021527         8.878574         293,960.8200 
  01/01/2010    to  12/31/2010        8.878574         9.610672         266,561.9744 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.65% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
MET/PUTNAM RESEARCH SUB-ACCOUNT (CLASS B)                                           
  03/21/2001    to  12/31/2001        8.137898         8.050186        207,533.2474 
  01/01/2002    to  12/31/2002        8.050186         6.270402        799,574.2621 
  01/01/2003    to  12/31/2003        6.270402         7.668982      1,192,672.1819 
  01/01/2004    to  11/19/2004        7.668982         7.860884      1,063,826.7850 
============   ==== ==========       =========        =========      ============== 
MET/TEMPLETON INTERNATIONAL BOND SUB-ACCOUNT (CLASS B)                              
  05/04/2009    to  12/31/2009        9.998192        10.878904              0.0000 
  01/01/2010    to  12/31/2010       10.878904        12.150119              0.0000 
============   ==== ==========       =========        =========      ============== 
MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                         
  05/01/2006    to  12/31/2006        9.988644        10.460946         75,004.0443 
  01/01/2007    to  12/31/2007       10.460946        14.056678        260,925.3834 
  01/01/2008    to  12/31/2008       14.056678         6.148147        296,453.3889 
  01/01/2009    to  12/31/2009        6.148147        10.217171        417,531.6500 
  01/01/2010    to  12/31/2010       10.217171        12.427597        420,296.2636 
============   ==== ==========       =========        =========      ============== 
MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                          
  03/21/2001    to  12/31/2001        8.805686         8.364799        129,003.6811 
  01/01/2002    to  12/31/2002        8.364799         7.256874      1,070,822.3007 
  01/01/2003    to  12/31/2003        7.256874         9.425479      1,546,831.2953 
  01/01/2004    to  12/31/2004        9.425479        11.084222      1,973,434.6670 
  01/01/2005    to  12/31/2005       11.084222        12.693933      1,519,906.5715 
  01/01/2006    to  12/31/2006       12.693933        15.803723      1,675,995.6328 
  01/01/2007    to  12/31/2007       15.803723        17.609666      1,967,696.5666 
  01/01/2008    to  12/31/2008       17.609666         9.982620      1,828,976.6456 
  01/01/2009    to  12/31/2009        9.982620        12.918805      1,668,104.9600 
  01/01/2010    to  12/31/2010       12.918805        14.156773      1,549,066.0683 
============   ==== ==========       =========        =========      ============== 
OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B)                              
  03/21/2001    to  12/31/2001        8.558733         8.450379        360,423.9784 
  01/01/2002    to  12/31/2002        8.450379         6.255898      2,701,558.8170 
  01/01/2003    to  12/31/2003        6.255898         7.909106      6,125,313.9186 
  01/01/2004    to  12/31/2004        7.909106         8.277517      5,627,959.2383 
  01/01/2005    to  12/31/2005        8.277517         8.526290      4,240,760.7630 
  01/01/2006    to  12/31/2006        8.526290         9.025889      3,917,052.0073 
  01/01/2007    to  12/31/2007        9.025889        10.145899      3,508,490.0296 
  01/01/2008    to  12/31/2008       10.145899         5.394779      2,934,341.6345 
  01/01/2009    to  12/31/2009        5.394779         7.625579      2,637,785.5800 
  01/01/2010    to  12/31/2010        7.625579         8.205676      2,372,048.0303 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                        1.65% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
PIMCO INFLATION PROTECTED BOND SUB-ACCOUNT (CLASS B)                                  
  05/01/2003    to  12/31/2003       10.000000        10.418489        2,657,135.0362 
  01/01/2004    to  12/31/2004       10.418489        11.170963        2,588,620.0762 
  01/01/2005    to  12/31/2005       11.170963        11.141080        1,815,134.7662 
  01/01/2006    to  12/31/2006       11.141080        11.001649        1,705,064.6921 
  01/01/2007    to  12/31/2007       11.001649        11.989080        1,606,330.6049 
  01/01/2008    to  12/31/2008       11.989080        10.979939        1,537,761.0541 
  01/01/2009    to  12/31/2009       10.979939        12.749612        1,480,995.2100 
  01/01/2010    to  12/31/2010       12.749612        13.514326        1,324,810.7121 
============   ==== ==========       =========        =========        ============== 
PIMCO TOTAL RETURN SUB-ACCOUNT (CLASS B)                                              
  03/21/2001    to  12/31/2001       10.161771        10.515687          355,008.2887 
  01/01/2002    to  12/31/2002       10.515687        11.304919        3,428,408.9805 
  01/01/2003    to  12/31/2003       11.304919        11.598744        4,916,658.1773 
  01/01/2004    to  12/31/2004       11.598744        11.976661        3,713,382.2728 
  01/01/2005    to  12/31/2005       11.976661        12.045993        3,069,684.8285 
  01/01/2006    to  12/31/2006       12.045993        12.384722        3,004,460.8663 
  01/01/2007    to  12/31/2007       12.384722        13.102425        2,715,670.5623 
  01/01/2008    to  12/31/2008       13.102425        12.940264        2,357,387.3748 
  01/01/2009    to  12/31/2009       12.940264        15.023346        2,298,498.2300 
  01/01/2010    to  12/31/2010       15.023346        15.984943        2,294,342.7048 
============   ==== ==========       =========        =========        ============== 
PIONEER FUND SUB-ACCOUNT (CLASS B)                                                    
  05/04/2009    to  12/31/2009       12.896490        15.784564            6,087.7200 
  01/01/2010    to  12/31/2010       15.784564        17.999926           14,439.5050 
============   ==== ==========       =========        =========        ============== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS E)                                        
  05/03/2010    to  12/31/2010       11.765934        12.338270           34,899.8661 
============   ==== ==========       =========        =========        ============== 
RAINIER LARGE CAP EQUITY SUB-ACCOUNT (CLASS B)                                        
  11/12/2007    to  12/31/2007        9.564767         9.979690           23,404.9197 
  01/01/2008    to  12/31/2008        9.979690         5.712205          128,237.5495 
  01/01/2009    to  12/31/2009        5.712205         6.925141           92,638.5400 
  01/01/2010    to  12/31/2010        6.925141         7.859835          103,184.7861 
============   ==== ==========       =========        =========        ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.65% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
RCM TECHNOLOGY SUB-ACCOUNT (CLASS B)                                                 
  03/21/2001    to  12/31/2001        7.234270         6.081488          99,431.4277 
  01/01/2002    to  12/31/2002        6.081488         2.947164         447,788.5981 
  01/01/2003    to  12/31/2003        2.947164         4.567923       1,190,199.1530 
  01/01/2004    to  12/31/2004        4.567923         4.299219       1,375,292.1160 
  01/01/2005    to  12/31/2005        4.299219         4.694924       1,041,016.5365 
  01/01/2006    to  12/31/2006        4.694924         4.865207         977,499.3370 
  01/01/2007    to  12/31/2007        4.865207         6.293680         952,541.5610 
  01/01/2008    to  12/31/2008        6.293680         3.438596         731,116.4622 
  01/01/2009    to  12/31/2009        3.438596         5.377075         743,572.9600 
  01/01/2010    to  12/31/2010        5.377075         6.753719         742,792.2380 
============   ==== ==========       =========        =========       ============== 
SSGA GROWTH AND INCOME ETF SUB-ACCOUNT (CLASS B)                                     
  11/10/2008    to  12/31/2008        8.340043         8.501714           6,884.7452 
  01/01/2009    to  12/31/2009        8.501714        10.443805         132,954.0400 
  01/01/2010    to  12/31/2010       10.443805        11.530272         219,759.3797 
============   ==== ==========       =========        =========       ============== 
SSGA GROWTH ETF SUB-ACCOUNT (CLASS B)                                                
  11/10/2008    to  12/31/2008        7.722122         7.794369               0.0000 
  01/01/2009    to  12/31/2009        7.794369         9.897797          80,991.7000 
  01/01/2010    to  12/31/2010        9.897797        11.113919         126,411.1439 
============   ==== ==========       =========        =========       ============== 
T. ROWE PRICE MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                   
  03/21/2001    to  12/31/2001        8.099086         8.220557         269,557.5629 
  01/01/2002    to  12/31/2002        8.220557         4.525032       1,726,869.5986 
  01/01/2003    to  12/31/2003        4.525032         6.081870       4,006,200.0912 
  01/01/2004    to  12/31/2004        6.081870         7.048322       2,765,448.7425 
  01/01/2005    to  12/31/2005        7.048322         7.947436       2,381,258.1746 
  01/01/2006    to  12/31/2006        7.947436         8.299611       2,133,250.2131 
  01/01/2007    to  12/31/2007        8.299611         9.602874       2,015,602.4477 
  01/01/2008    to  12/31/2008        9.602874         5.690788       1,747,683.5439 
  01/01/2009    to  12/31/2009        5.690788         8.143047       1,577,390.8100 
  01/01/2010    to  12/31/2010        8.143047        10.227279       1,458,464.8284 
============   ==== ==========       =========        =========       ============== 
THIRD AVENUE SMALL CAP VALUE SUB-ACCOUNT (CLASS B)                                   
  05/01/2002    to  12/31/2002       10.000000         8.218733         605,519.3266 
  01/01/2003    to  12/31/2003        8.218733        11.433062       2,150,386.2473 
  01/01/2004    to  12/31/2004       11.433062        14.226210       2,040,391.3429 
  01/01/2005    to  12/31/2005       14.226210        16.160130       1,768,021.0904 
  01/01/2006    to  12/31/2006       16.160130        17.983664       1,676,491.5926 
  01/01/2007    to  12/31/2007       17.983664        17.153385       2,085,655.8497 
  01/01/2008    to  12/31/2008       17.153385        11.840161       1,726,943.0758 
  01/01/2009    to  12/31/2009       11.840161        14.726955       1,608,791.1500 
  01/01/2010    to  12/31/2010       14.726955        17.368472       1,448,907.2423 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.65% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
TURNER MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                         
  05/01/2004    to  12/31/2004        9.998644        11.096411        440,580.9814 
  01/01/2005    to  12/31/2005       11.096411        12.155042        222,582.1272 
  01/01/2006    to  12/31/2006       12.155042        12.682656        224,564.1266 
  01/01/2007    to  12/31/2007       12.682656        15.486352        272,402.5802 
  01/01/2008    to  12/31/2008       15.486352         7.875156        269,177.9357 
  01/01/2009    to  12/31/2009        7.875156        11.399836        242,981.9900 
  01/01/2010    to  12/31/2010       11.399836        14.259327        223,910.7793 
============   ==== ==========       =========        =========      ============== 
VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B)                                           
  05/01/2005    to  12/31/2005        9.998644        10.458340         72,647.9975 
  01/01/2006    to  12/31/2006       10.458340        11.939126        135,900.9890 
  01/01/2007    to  12/31/2007       11.939126        11.450048        189,434.8309 
  01/01/2008    to  12/31/2008       11.450048         7.217589        156,230.0674 
  01/01/2009    to  12/31/2009        7.217589         8.987134      3,005,927.0500 
  01/01/2010    to  12/31/2010        8.987134        10.155246      2,694,355.1405 
============   ==== ==========       =========        =========      ============== 
METROPOLITAN SERIES FUND, INC.                                                      
BARCLAYS CAPITAL AGGREGATE BOND INDEX SUB-ACCOUNT (CLASS G)                         
  05/04/2009    to  12/31/2009       14.043873        14.512748         15,831.0100 
  01/01/2010    to  12/31/2010       14.512748        15.081921         30,973.3661 
============   ==== ==========       =========        =========      ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                        
  05/01/2005    to  12/31/2005        9.860101         9.947503      1,208,087.1075 
  01/01/2006    to  12/31/2006        9.947503        10.230491      1,331,507.1674 
  01/01/2007    to  12/31/2007       10.230491        10.546619      1,237,132.0960 
  01/01/2008    to  12/31/2008       10.546619        10.643192      2,279,913.0181 
  01/01/2009    to  12/31/2009       10.643192        10.495525      1,688,523.3500 
  01/01/2010    to  12/31/2010       10.495525        10.323764      1,254,639.8576 
============   ==== ==========       =========        =========      ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                        
 (FORMERLY MET INVESTORS SERIES TRUST - MONEY MARKET SUB-ACCOUNT (CLASS B))         
  03/21/2001    to  12/31/2001       10.032441        10.134478        219,948.2744 
  01/01/2002    to  12/31/2002       10.134478        10.077903      1,572,815.7956 
  01/01/2003    to  12/31/2003       10.077903         9.956033      1,516,693.5265 
  01/01/2004    to  12/31/2004        9.956033         9.855466      1,344,613.7000 
  01/01/2005    to  04/30/2005        9.855466         9.860317              0.0000 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.65% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
DAVIS VENTURE VALUE SUB-ACCOUNT (CLASS E)                                           
  03/21/2001    to  12/31/2001       10.000000        10.136771        411,598.0340 
  01/01/2002    to  12/31/2002       10.136771         8.320551      2,576,279.4317 
  01/01/2003    to  12/31/2003        8.320551        10.699997      4,532,908.6121 
  01/01/2004    to  12/31/2004       10.699997        11.802287      4,850,017.5631 
  01/01/2005    to  12/31/2005       11.802287        12.786459      3,793,667.2169 
  01/01/2006    to  12/31/2006       12.786459        14.389697      3,562,636.9670 
  01/01/2007    to  12/31/2007       14.389697        14.780208      3,235,152.8647 
  01/01/2008    to  12/31/2008       14.780208         8.801293      2,855,392.4628 
  01/01/2009    to  12/31/2009        8.801293        11.412672      2,653,168.9500 
  01/01/2010    to  12/31/2010       11.412672        12.552562      2,418,536.6837 
============   ==== ==========       =========        =========      ============== 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                               
  05/01/2002    to  12/31/2002       10.000000         7.615315      1,073,693.6827 
  01/01/2003    to  12/31/2003        7.615315         9.714878      2,017,856.2237 
  01/01/2004    to  12/31/2004        9.714878        10.409513      1,755,936.0453 
  01/01/2005    to  12/31/2005       10.409513        11.625804      1,144,312.5058 
  01/01/2006    to  12/31/2006       11.625804        11.724679      1,109,070.1458 
  01/01/2007    to  12/31/2007       11.724679        12.845133      1,025,921.1868 
  01/01/2008    to  12/31/2008       12.845133         8.016809      1,273,132.0597 
  01/01/2009    to  12/31/2009        8.016809        11.005433      1,156,963.8300 
  01/01/2010    to  12/31/2010       11.005433        12.050186      1,069,844.8136 
============   ==== ==========       =========        =========      ============== 
MET/ARTISAN MID CAP VALUE SUB-ACCOUNT (CLASS B)                                     
  03/21/2001    to  12/31/2001       10.000000        11.924478        285,336.2915 
  01/01/2002    to  12/31/2002       11.924478        10.665887      1,968,096.2417 
  01/01/2003    to  12/31/2003       10.665887        13.883167      3,688,778.9808 
  01/01/2004    to  12/31/2004       13.883167        14.973492      2,836,827.6471 
  01/01/2005    to  12/31/2005       14.973492        16.158995      2,279,554.3064 
  01/01/2006    to  12/31/2006       16.158995        17.830257      1,983,617.8488 
  01/01/2007    to  12/31/2007       17.830257        16.296121      1,757,054.9099 
  01/01/2008    to  12/31/2008       16.296121         8.633994      1,542,217.1144 
  01/01/2009    to  12/31/2009        8.633994        11.991528      1,413,080.4600 
  01/01/2010    to  12/31/2010       11.991528        13.536401      1,242,133.3242 
============   ==== ==========       =========        =========      ============== 
MET/DIMENSIONAL INTERNATIONAL SMALL COMPANY SUB-ACCOUNT (CLASS B)                   
  11/10/2008    to  12/31/2008       10.064998        10.131600              0.0000 
  01/01/2009    to  12/31/2009       10.131600        14.222857         15,565.0400 
  01/01/2010    to  12/31/2010       14.222857        17.150588         22,654.7721 
============   ==== ==========       =========        =========      ============== 
METLIFE MID CAP STOCK INDEX SUB-ACCOUNT (CLASS G)                                   
  05/04/2009    to  12/31/2009       10.838586        13.487845          2,072.8500 
  01/01/2010    to  12/31/2010       13.487845        16.705911         10,342.1119 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.65% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
METLIFE STOCK INDEX SUB-ACCOUNT (CLASS B)                                            
  10/09/2001    to  12/31/2001       10.000000        10.843650          18,876.8867 
  01/01/2002    to  12/31/2002       10.843650         8.264381         872,377.2426 
  01/01/2003    to  12/31/2003        8.264381        10.395014       1,538,007.3438 
  01/01/2004    to  12/31/2004       10.395014        11.275442       1,808,666.3091 
  01/01/2005    to  12/31/2005       11.275442        11.576776       1,879,819.8668 
  01/01/2006    to  12/31/2006       11.576776        13.117210       1,674,556.1560 
  01/01/2007    to  12/31/2007       13.117210        13.543213       1,579,360.1615 
  01/01/2008    to  12/31/2008       13.543213         8.357499       1,393,918.2619 
  01/01/2009    to  12/31/2009        8.357499        10.351595       1,226,695.0300 
  01/01/2010    to  12/31/2010       10.351595        11.657741       1,346,479.1378 
============   ==== ==========       =========        =========       ============== 
MORGAN STANLEY EAFE (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                            
  05/04/2009    to  12/31/2009        8.989316        11.564961           1,467.1300 
  01/01/2010    to  12/31/2010       11.564961        12.259062           4,185.2722 
============   ==== ==========       =========        =========       ============== 
RUSSELL 2000 (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                                   
  05/04/2009    to  12/31/2009       11.143198        13.692928           6,939.7400 
  01/01/2010    to  12/31/2010       13.692928        17.044476          13,426.2509 
============   ==== ==========       =========        =========       ============== 
VAN ECK GLOBAL NATURAL RESOURCES SUB-ACCOUNT (CLASS B)                               
  05/04/2009    to  12/31/2009       11.612720        14.743903               0.0000 
  01/01/2010    to  12/31/2010       14.743903        18.712143             311.9695 
============   ==== ==========       =========        =========       ============== 
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                       
  05/01/2005    to  12/31/2005       15.393136        15.351902          13,607.1637 
  01/01/2006    to  12/31/2006       15.351902        15.692541         334,634.4450 
  01/01/2007    to  12/31/2007       15.692541        16.056909         557,507.2711 
  01/01/2008    to  12/31/2008       16.056909        15.709391         617,231.7009 
  01/01/2009    to  12/31/2009       15.709391        16.082823         531,978.0400 
  01/01/2010    to  12/31/2010       16.082823        16.688556         535,493.8818 
============   ==== ==========       =========        =========       ============== 
MET INVESTORS SERIES TRUST - METLIFE ASSET ALLOCATION PROGRAM                        
METLIFE AGGRESSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                    
  11/22/2004    to  12/31/2004       10.301164        10.687313       2,304,564.3300 
  01/01/2005    to  12/31/2005       10.687313        11.604154       3,797,155.8861 
  01/01/2006    to  12/31/2006       11.604154        12.972623       3,696,892.5187 
  01/01/2007    to  12/31/2007       12.972623        13.127531       3,376,137.0305 
  01/01/2008    to  12/31/2008       13.127531         7.642126       2,736,238.2928 
  01/01/2009    to  12/31/2009        7.642126         9.971104       2,564,806.6900 
  01/01/2010    to  12/31/2010        9.971104        11.426466       2,376,350.7534 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                        1.65% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
METLIFE BALANCED STRATEGY SUB-ACCOUNT (CLASS B)                                       
  11/22/2004    to  12/31/2004       10.101328        10.391330        9,244,968.6310 
  01/01/2005    to  12/31/2005       10.391330        10.949726       15,654,665.8225 
  01/01/2006    to  12/31/2006       10.949726        12.061156       15,970,090.4093 
  01/01/2007    to  12/31/2007       12.061156        12.441938       15,796,918.8197 
  01/01/2008    to  12/31/2008       12.441938         8.329388       13,278,980.7300 
  01/01/2009    to  12/31/2009        8.329388        10.514679       12,453,849.6200 
  01/01/2010    to  12/31/2010       10.514679        11.747788       11,820,777.9003 
============   ==== ==========       =========        =========       =============== 
METLIFE DEFENSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                      
  11/22/2004    to  12/31/2004        9.941459        10.107486          544,182.6754 
  01/01/2005    to  12/31/2005       10.107486        10.387940        1,172,854.2321 
  01/01/2006    to  12/31/2006       10.387940        11.099798        1,155,380.4528 
  01/01/2007    to  12/31/2007       11.099798        11.563424        2,224,232.6638 
  01/01/2008    to  12/31/2008       11.563424         9.024871        2,777,781.9659 
  01/01/2009    to  12/31/2009        9.024871        10.910781        2,704,784.3300 
  01/01/2010    to  12/31/2010       10.910781        11.902368        2,415,292.3229 
============   ==== ==========       =========        =========       =============== 
METLIFE GROWTH STRATEGY SUB-ACCOUNT (CLASS B)                                         
  11/22/2004    to  12/31/2004       10.241214        10.602224        7,443,048.7610 
  01/01/2005    to  12/31/2005       10.602224        11.380836       13,124,730.2207 
  01/01/2006    to  12/31/2006       11.380836        12.717038       14,850,374.1630 
  01/01/2007    to  12/31/2007       12.717038        13.096001       15,110,937.6858 
  01/01/2008    to  12/31/2008       13.096001         8.003254       12,962,794.4733 
  01/01/2009    to  12/31/2009        8.003254        10.241709       11,891,979.8100 
  01/01/2010    to  12/31/2010       10.241709        11.634653       11,004,863.4431 
============   ==== ==========       =========        =========       =============== 
METLIFE MODERATE STRATEGY SUB-ACCOUNT (CLASS B)                                       
  11/22/2004    to  12/31/2004       10.011402        10.227688        2,738,870.9120 
  01/01/2005    to  12/31/2005       10.227688        10.645573        4,949,049.8811 
  01/01/2006    to  12/31/2006       10.645573        11.543319        5,383,931.7361 
  01/01/2007    to  12/31/2007       11.543319        12.058129        5,756,684.0520 
  01/01/2008    to  12/31/2008       12.058129         8.726651        5,861,938.5294 
  01/01/2009    to  12/31/2009        8.726651        10.823073        5,350,458.7400 
  01/01/2010    to  12/31/2010       10.823073        11.966086        5,372,615.9347 
============   ==== ==========       =========        =========       =============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                        1.75% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
MET INVESTORS SERIES TRUST                                                            
AMERICAN FUNDS BALANCED ALLOCATION SUB-ACCOUNT (CLASS C)                              
  04/28/2008    to  12/31/2008       10.008082         6.994767        5,247,184.9940 
  01/01/2009    to  12/31/2009        6.994767         8.889143       10,533,141.1100 
  01/01/2010    to  12/31/2010        8.889143         9.797260       14,118,265.4310 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS C)                                             
  04/28/2008    to  12/31/2008       10.038080         8.930842          431,668.6010 
  01/01/2009    to  12/31/2009        8.930842         9.839740        1,765,576.4200 
  01/01/2010    to  12/31/2010        9.839740        10.258953        2,205,932.0204 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS GROWTH ALLOCATION SUB-ACCOUNT (CLASS C)                                
  04/28/2008    to  12/31/2008        9.998082         6.344471        8,002,848.2166 
  01/01/2009    to  12/31/2009        6.344471         8.356591       10,510,242.2000 
  01/01/2010    to  12/31/2010        8.356591         9.318900       10,880,598.4195 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS C)                                           
  04/28/2008    to  12/31/2008        9.988083         5.745775        1,456,159.9271 
  01/01/2009    to  12/31/2009        5.745775         7.841818        3,183,724.2100 
  01/01/2010    to  12/31/2010        7.841818         9.118054        3,567,753.3446 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS INTERNATIONAL SUB-ACCOUNT (CLASS C)                                    
  04/28/2008    to  12/31/2008       10.088078         6.040337        1,015,634.4937 
  01/01/2009    to  12/31/2009        6.040337         8.461583        2,114,373.0600 
  01/01/2010    to  12/31/2010        8.461583         8.888011        2,557,917.2400 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS MODERATE ALLOCATION SUB-ACCOUNT (CLASS C)                              
  04/28/2008    to  12/31/2008       10.018081         7.666872        3,358,104.7617 
  01/01/2009    to  12/31/2009        7.666872         9.296538        6,412,208.1800 
  01/01/2010    to  12/31/2010        9.296538        10.040347        7,414,291.3554 
============   ==== ==========       =========        =========       =============== 
BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                            
  04/28/2008    to  12/31/2008       16.140545        12.045782           63,449.2645 
  01/01/2009    to  12/31/2009       12.045782        17.358689          478,831.8600 
  01/01/2010    to  12/31/2010       17.358689        19.748068          660,198.8705 
============   ==== ==========       =========        =========       =============== 
CLARION GLOBAL REAL ESTATE SUB-ACCOUNT (CLASS B)                                      
  05/01/2004    to  12/31/2004        9.998562        12.803566          715,423.2729 
  01/01/2005    to  12/31/2005       12.803566        14.253740          515,191.5715 
  01/01/2006    to  12/31/2006       14.253740        19.271313          862,705.3728 
  01/01/2007    to  12/31/2007       19.271313        16.093623          623,725.2338 
  01/01/2008    to  12/31/2008       16.093623         9.223364          622,936.2140 
  01/01/2009    to  12/31/2009        9.223364        12.211480          648,040.3300 
  01/01/2010    to  12/31/2010       12.211480        13.932543          685,456.0405 
============   ==== ==========       =========        =========       =============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.75% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
GOLDMAN SACHS MID CAP VALUE SUB-ACCOUNT (CLASS B)                                   
  05/01/2004    to  12/31/2004        9.998562        11.943726        765,505.5042 
  01/01/2005    to  12/31/2005       11.943726        13.208544        945,753.5764 
  01/01/2006    to  12/31/2006       13.208544        15.016817      1,186,087.0928 
  01/01/2007    to  12/31/2007       15.016817        15.211790      1,247,775.3144 
  01/01/2008    to  12/31/2008       15.211790         9.554730      1,047,271.3928 
  01/01/2009    to  12/31/2009        9.554730        12.421876        914,513.7100 
  01/01/2010    to  12/31/2010       12.421876        15.164455        953,902.7563 
============   ==== ==========      ==========       ==========      ============== 
HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                  
  05/01/2003    to  12/31/2003        8.704299        11.664171      1,582,080.9990 
  01/01/2004    to  12/31/2004       11.664171        13.813691      2,499,190.8720 
  01/01/2005    to  12/31/2005       13.813691        15.507328      2,150,637.1787 
  01/01/2006    to  12/31/2006       15.507328        19.635353      2,631,951.7652 
  01/01/2007    to  12/31/2007       19.635353        19.077046      2,661,988.0151 
  01/01/2008    to  12/31/2008       19.077046        11.081126      2,186,620.7535 
  01/01/2009    to  12/31/2009       11.081126        16.884571      2,285,000.0700 
  01/01/2010    to  12/31/2010       16.884571        19.316214      2,291,484.2055 
============   ==== ==========      ==========       ==========      ============== 
INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                      
 (FORMERLY MET/AIM SMALL CAP GROWTH SUB-ACCOUNT (CLASS B))                          
  05/01/2003    to  12/31/2003        8.660245        11.512395      1,016,218.6566 
  01/01/2004    to  12/31/2004       11.512395        12.039797      1,852,928.5555 
  01/01/2005    to  12/31/2005       12.039797        12.809506      1,105,784.6984 
  01/01/2006    to  12/31/2006       12.809506        14.373156      1,107,678.6553 
  01/01/2007    to  12/31/2007       14.373156        15.686028      1,054,768.7555 
  01/01/2008    to  12/31/2008       15.686028         9.443675        868,227.7341 
  01/01/2009    to  12/31/2009        9.443675        12.418277        895,988.1400 
  01/01/2010    to  12/31/2010       12.418277        15.398109        846,016.4778 
============   ==== ==========      ==========       ==========      ============== 
JANUS FORTY SUB-ACCOUNT (CLASS B)                                                   
  05/03/2010    to  12/31/2010      137.018308       140.581867         10,624.6157 
============   ==== ==========      ==========       ==========      ============== 
LAZARD MID CAP SUB-ACCOUNT (CLASS B)                                                
  05/01/2003    to  12/31/2003        9.676034        11.933125        969,677.0465 
  01/01/2004    to  12/31/2004       11.933125        13.414325        939,494.6966 
  01/01/2005    to  12/31/2005       13.414325        14.244599        812,668.8522 
  01/01/2006    to  12/31/2006       14.244599        16.052398        792,054.4037 
  01/01/2007    to  12/31/2007       16.052398        15.344915        852,082.9812 
  01/01/2008    to  12/31/2008       15.344915         9.302868        577,632.8078 
  01/01/2009    to  12/31/2009        9.302868        12.502044        549,877.1900 
  01/01/2010    to  12/31/2010       12.502044        15.093613        534,446.3846 
============   ==== ==========      ==========       ==========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.75% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                        
 (FORMERLY LEGG MASON PARTNERS AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))               
  05/01/2003    to  12/31/2003        5.472328         6.656250        2,189,655.8426 
  01/01/2004    to  12/31/2004        6.656250         7.092530        2,634,521.3969 
  01/01/2005    to  12/31/2005        7.092530         7.916077        1,451,202.3221 
  01/01/2006    to  12/31/2006        7.916077         7.643879        1,541,034.7726 
  01/01/2007    to  12/31/2007        7.643879         7.680812        1,431,667.2461 
  01/01/2008    to  12/31/2008        7.680812         4.599793        1,377,219.8223 
  01/01/2009    to  12/31/2009        4.599793         6.009860        1,325,321.0600 
  01/01/2010    to  12/31/2010        6.009860         7.310444        1,348,207.2206 
============   ==== ==========       =========        =========        ============== 
LEGG MASON VALUE EQUITY SUB-ACCOUNT (CLASS B)                                         
  11/07/2005    to  12/31/2005       10.246575        10.619411           17,170.5774 
  01/01/2006    to  12/31/2006       10.619411        11.122610          296,078.0348 
  01/01/2007    to  12/31/2007       11.122610        10.283068          381,548.3832 
  01/01/2008    to  12/31/2008       10.283068         4.585552          554,297.9649 
  01/01/2009    to  12/31/2009        4.585552         6.216925          652,519.2600 
  01/01/2010    to  12/31/2010        6.216925         6.557220          652,925.8722 
============   ==== ==========       =========        =========        ============== 
LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                    
  05/01/2006    to  12/31/2006        9.988562        10.315213           65,186.2876 
  01/01/2007    to  12/31/2007       10.315213        12.958474          467,262.5377 
  01/01/2008    to  12/31/2008       12.958474         7.734002          574,062.5074 
  01/01/2009    to  12/31/2009        7.734002        10.701942          674,507.5800 
  01/01/2010    to  12/31/2010       10.701942        12.831376          989,430.4260 
============   ==== ==========       =========        =========        ============== 
LORD ABBETT BOND DEBENTURE SUB-ACCOUNT (CLASS B)                                      
  05/01/2003    to  12/31/2003       14.607628        15.968273        2,217,899.1634 
  01/01/2004    to  12/31/2004       15.968273        16.971948        2,305,656.3497 
  01/01/2005    to  12/31/2005       16.971948        16.927392        1,537,124.4946 
  01/01/2006    to  12/31/2006       16.927392        18.156219        1,546,336.5949 
  01/01/2007    to  12/31/2007       18.156219        19.008084        1,523,473.4252 
  01/01/2008    to  12/31/2008       19.008084        15.202771        1,183,620.7158 
  01/01/2009    to  12/31/2009       15.202771        20.432677        1,142,309.7400 
  01/01/2010    to  12/31/2010       20.432677        22.681637        1,071,584.3598 
============   ==== ==========       =========        =========        ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.75% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
LORD ABBETT GROWTH AND INCOME SUB-ACCOUNT (CLASS B)                                   
  05/01/2003    to  12/31/2003       34.344447        42.722358        1,078,327.5527 
  01/01/2004    to  12/31/2004       42.722358        47.288467        1,278,395.0330 
  01/01/2005    to  12/31/2005       47.288467        48.046567          944,813.1184 
  01/01/2006    to  12/31/2006       48.046567        55.612548        1,006,501.2743 
  01/01/2007    to  12/31/2007       55.612548        56.676164          903,235.4541 
  01/01/2008    to  12/31/2008       56.676164        35.456933          791,091.4221 
  01/01/2009    to  12/31/2009       35.456933        41.250240          762,544.7100 
  01/01/2010    to  12/31/2010       41.250240        47.433661          707,005.2441 
============   ==== ==========       =========        =========        ============== 
MET/EATON VANCE FLOATING RATE SUB-ACCOUNT (CLASS B)                                   
  05/03/2010    to  12/31/2010        9.997603        10.198534          192,719.0026 
============   ==== ==========       =========        =========        ============== 
LORD ABBETT MID CAP VALUE SUB-ACCOUNT (CLASS B)                                       
  04/28/2008    to  12/31/2008       24.259921        15.945964           75,217.6085 
  01/01/2009    to  12/31/2009       15.945964        19.827088          140,201.6200 
  01/01/2010    to  12/31/2010       19.827088        24.457039          184,270.7338 
============   ==== ==========       =========        =========        ============== 
MET/FRANKLIN MUTUAL SHARES SUB-ACCOUNT (CLASS B)                                      
  04/28/2008    to  12/31/2008        9.998082         6.584222          159,115.3337 
  01/01/2009    to  12/31/2009        6.584222         8.080016          429,992.0300 
  01/01/2010    to  12/31/2010        8.080016         8.815149          719,475.0488 
============   ==== ==========       =========        =========        ============== 
MET/FRANKLIN TEMPLETON FOUNDING STRATEGY SUB-ACCOUNT (CLASS B)                        
  04/28/2008    to  12/31/2008        9.998082         7.016687        3,285,606.2257 
  01/01/2009    to  12/31/2009        7.016687         8.863588        3,853,634.2000 
  01/01/2010    to  12/31/2010        8.863588         9.584867        3,789,520.2468 
============   ==== ==========       =========        =========        ============== 
MET/PUTNAM RESEARCH SUB-ACCOUNT (CLASS B)                                             
  05/01/2003    to  12/31/2003        6.386488         7.657424          517,765.8984 
  01/01/2004    to  11/19/2004        7.657424         7.842093          672,573.1924 
============   ==== ==========       =========        =========        ============== 
MET/TEMPLETON INTERNATIONAL BOND SUB-ACCOUNT (CLASS B)                                
  05/04/2009    to  12/31/2009        9.998082        10.871607           33,709.3600 
  01/01/2010    to  12/31/2010       10.871607        12.129841          150,154.6529 
============   ==== ==========       =========        =========        ============== 
MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                           
  05/01/2006    to  12/31/2006        9.988562        10.453918          150,669.8182 
  01/01/2007    to  12/31/2007       10.453918        14.033128          553,272.4136 
  01/01/2008    to  12/31/2008       14.033128         6.131668          684,455.5441 
  01/01/2009    to  12/31/2009        6.131668        10.179606        1,107,585.9100 
  01/01/2010    to  12/31/2010       10.179606        12.369549        1,467,135.4771 
============   ==== ==========       =========        =========        ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.75% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                          
  05/01/2003    to  12/31/2003        7.289616         9.411295        782,001.8856 
  01/01/2004    to  12/31/2004        9.411295        11.056455      1,884,428.7072 
  01/01/2005    to  12/31/2005       11.056455        12.649518      1,378,894.2445 
  01/01/2006    to  12/31/2006       12.649518        15.732735      1,689,045.0405 
  01/01/2007    to  12/31/2007       15.732735        17.512947      1,754,022.5344 
  01/01/2008    to  12/31/2008       17.512947         9.917813      1,735,239.5436 
  01/01/2009    to  12/31/2009        9.917813        12.822103      1,657,959.1500 
  01/01/2010    to  12/31/2010       12.822103        14.036777      1,558,754.1578 
============   ==== ==========       =========        =========      ============== 
OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B)                              
  05/01/2003    to  12/31/2003        6.505698         7.897196      4,020,523.3423 
  01/01/2004    to  12/31/2004        7.897196         8.256769      4,933,536.0487 
  01/01/2005    to  12/31/2005        8.256769         8.496442      3,325,789.3318 
  01/01/2006    to  12/31/2006        8.496442         8.985325      3,267,057.7938 
  01/01/2007    to  12/31/2007        8.985325        10.090152      3,069,690.3843 
  01/01/2008    to  12/31/2008       10.090152         5.359740      2,538,996.6980 
  01/01/2009    to  12/31/2009        5.359740         7.568480      2,330,307.4300 
  01/01/2010    to  12/31/2010        7.568480         8.136100      2,020,755.9839 
============   ==== ==========       =========        =========      ============== 
PIMCO INFLATION PROTECTED BOND SUB-ACCOUNT (CLASS B)                                
  05/01/2003    to  12/31/2003       10.000000        10.411529      2,159,263.8369 
  01/01/2004    to  12/31/2004       10.411529        11.152314      3,469,965.1450 
  01/01/2005    to  12/31/2005       11.152314        11.111391      2,463,646.6739 
  01/01/2006    to  12/31/2006       11.111391        10.961391      2,220,380.5386 
  01/01/2007    to  12/31/2007       10.961391        11.933208      2,084,242.4959 
  01/01/2008    to  12/31/2008       11.933208        10.917813      2,251,813.4076 
  01/01/2009    to  12/31/2009       10.917813        12.664811      3,251,441.7700 
  01/01/2010    to  12/31/2010       12.664811        13.411023      3,828,808.8985 
============   ==== ==========       =========        =========      ============== 
PIMCO TOTAL RETURN SUB-ACCOUNT (CLASS B)                                            
  05/01/2003    to  12/31/2003       11.542328        11.581293      2,576,587.2669 
  01/01/2004    to  12/31/2004       11.581293        11.946656      2,682,203.9735 
  01/01/2005    to  12/31/2005       11.946656        12.003835      2,243,440.5285 
  01/01/2006    to  12/31/2006       12.003835        12.329076      2,475,380.0163 
  01/01/2007    to  12/31/2007       12.329076        13.030449      2,573,935.4892 
  01/01/2008    to  12/31/2008       13.030449        12.856283      3,279,295.3815 
  01/01/2009    to  12/31/2009       12.856283        14.910936      6,136,350.1700 
  01/01/2010    to  12/31/2010       14.910936        15.849486      7,981,182.9396 
============   ==== ==========       =========        =========      ============== 
PIONEER FUND SUB-ACCOUNT (CLASS B)                                                  
  05/04/2009    to  12/31/2009       12.701227        15.535332          3,875.2400 
  01/01/2010    to  12/31/2010       15.535332        17.698021         26,069.9948 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.75% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS E)                                      
  05/03/2010    to  12/31/2010       11.744622        12.307762        295,506.3473 
============   ==== ==========       =========        =========      ============== 
RAINIER LARGE CAP EQUITY SUB-ACCOUNT (CLASS B)                                      
  11/12/2007    to  12/31/2007        9.564450         9.978019         57,408.4183 
  01/01/2008    to  12/31/2008        9.978019         5.705506        516,683.5299 
  01/01/2009    to  12/31/2009        5.705506         6.910104        488,094.0900 
  01/01/2010    to  12/31/2010        6.910104         7.834937        414,301.6397 
============   ==== ==========       =========        =========      ============== 
RCM TECHNOLOGY SUB-ACCOUNT (CLASS B)                                                
  05/01/2003    to  12/31/2003        3.285104         4.561046        751,484.2936 
  01/01/2004    to  12/31/2004        4.561046         4.288441      1,387,165.3470 
  01/01/2005    to  12/31/2005        4.288441         4.678488        881,423.9561 
  01/01/2006    to  12/31/2006        4.678488         4.843341        981,053.7874 
  01/01/2007    to  12/31/2007        4.843341         6.259103      1,281,841.0510 
  01/01/2008    to  12/31/2008        6.259103         3.416265      1,165,368.9066 
  01/01/2009    to  12/31/2009        3.416265         5.336818      1,546,049.7500 
  01/01/2010    to  12/31/2010        5.336818         6.696466      1,456,799.0978 
============   ==== ==========       =========        =========      ============== 
SSGA GROWTH AND INCOME ETF SUB-ACCOUNT (CLASS B)                                    
  11/10/2008    to  12/31/2008        8.314090         8.474073         19,886.2648 
  01/01/2009    to  12/31/2009        8.474073        10.399444      1,426,873.3400 
  01/01/2010    to  12/31/2010       10.399444        11.469830      2,651,157.7338 
============   ==== ==========       =========        =========      ============== 
SSGA GROWTH ETF SUB-ACCOUNT (CLASS B)                                               
  11/10/2008    to  12/31/2008        7.698088         7.769023         17,504.5765 
  01/01/2009    to  12/31/2009        7.769023         9.855748      1,015,436.6800 
  01/01/2010    to  12/31/2010        9.855748        11.055654      1,566,354.6843 
============   ==== ==========       =========        =========      ============== 
T. ROWE PRICE MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                  
  05/01/2003    to  12/31/2003        4.729155         6.072712      2,709,467.8857 
  01/01/2004    to  12/31/2004        6.072712         7.030656      2,304,586.4158 
  01/01/2005    to  12/31/2005        7.030656         7.919619      2,509,867.3433 
  01/01/2006    to  12/31/2006        7.919619         8.262314      2,787,888.8492 
  01/01/2007    to  12/31/2007        8.262314         9.550114      2,838,873.7163 
  01/01/2008    to  12/31/2008        9.550114         5.653832      2,780,607.6667 
  01/01/2009    to  12/31/2009        5.653832         8.082081      3,649,187.0500 
  01/01/2010    to  12/31/2010        8.082081        10.140573      3,625,910.2671 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.75% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
THIRD AVENUE SMALL CAP VALUE SUB-ACCOUNT (CLASS B)                                    
  05/01/2003    to  12/31/2003        8.441884        11.414006        1,753,064.5796 
  01/01/2004    to  12/31/2004       11.414006        14.188273        2,329,772.3620 
  01/01/2005    to  12/31/2005       14.188273        16.100983        2,080,104.1971 
  01/01/2006    to  12/31/2006       16.100983        17.899981        2,201,821.2268 
  01/01/2007    to  12/31/2007       17.899981        17.056395        2,005,086.4356 
  01/01/2008    to  12/31/2008       17.056395        11.761385        1,817,125.4864 
  01/01/2009    to  12/31/2009       11.761385        14.614344        1,803,390.9400 
  01/01/2010    to  12/31/2010       14.614344        17.218453        1,788,638.5263 
============   ==== ==========       =========        =========        ============== 
TURNER MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                           
  05/01/2004    to  12/31/2004        9.998562        11.088963          607,504.4692 
  01/01/2005    to  12/31/2005       11.088963        12.134782          384,671.9183 
  01/01/2006    to  12/31/2006       12.134782        12.648888          488,658.0219 
  01/01/2007    to  12/31/2007       12.648888        15.429601          608,232.2181 
  01/01/2008    to  12/31/2008       15.429601         7.838404          587,465.1747 
  01/01/2009    to  12/31/2009        7.838404        11.335295          545,087.9400 
  01/01/2010    to  12/31/2010       11.335295        14.164443          532,004.1929 
============   ==== ==========       =========        =========        ============== 
VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B)                                             
  05/01/2005    to  12/31/2005        9.998562        10.451325          404,253.5662 
  01/01/2006    to  12/31/2006       10.451325        11.919227          733,338.5778 
  01/01/2007    to  12/31/2007       11.919227        11.419472          696,720.6931 
  01/01/2008    to  12/31/2008       11.419472         7.191079          588,494.4139 
  01/01/2009    to  12/31/2009        7.191079         8.945174          825,956.7100 
  01/01/2010    to  12/31/2010        8.945174        10.097738          887,283.3967 
============   ==== ==========       =========        =========        ============== 
METROPOLITAN SERIES FUND, INC.                                                        
BARCLAYS CAPITAL AGGREGATE BOND INDEX SUB-ACCOUNT (CLASS G)                           
  05/04/2009    to  12/31/2009       13.897321        14.351824          100,634.9100 
  01/01/2010    to  12/31/2010       14.351824        14.899780          302,749.3567 
============   ==== ==========       =========        =========        ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                          
  05/01/2005    to  12/31/2005        9.832112         9.912691        1,636,855.6528 
  01/01/2006    to  12/31/2006        9.912691        10.184528        2,928,687.9304 
  01/01/2007    to  12/31/2007       10.184528        10.488684        3,209,808.7050 
  01/01/2008    to  12/31/2008       10.488684        10.574117        8,674,989.1980 
  01/01/2009    to  12/31/2009       10.574117        10.416985        7,594,313.0900 
  01/01/2010    to  12/31/2010       10.416985        10.236266        7,145,063.9622 
============   ==== ==========       =========        =========        ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.75% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                        
 (FORMERLY MET INVESTORS SERIES TRUST - MONEY MARKET SUB-ACCOUNT (CLASS B))         
  05/01/2003    to  12/31/2003       10.035084         9.941055        762,469.3722 
  01/01/2004    to  12/31/2004        9.941055         9.830775        705,063.1521 
  01/01/2005    to  04/30/2005        9.830775         9.832408         15,384.7195 
============   ==== ==========       =========        =========      ============== 
DAVIS VENTURE VALUE SUB-ACCOUNT (CLASS E)                                           
  05/01/2003    to  12/31/2003        8.504143        10.683910      2,758,052.1367 
  01/01/2004    to  12/31/2004       10.683910        11.772734      4,984,547.1735 
  01/01/2005    to  12/31/2005       11.772734        12.741735      3,808,951.1096 
  01/01/2006    to  12/31/2006       12.741735        14.325075      4,090,483.3841 
  01/01/2007    to  12/31/2007       14.325075        14.699041      4,003,015.4437 
  01/01/2008    to  12/31/2008       14.699041         8.744157      3,925,289.2989 
  01/01/2009    to  12/31/2009        8.744157        11.327250      4,391,993.2300 
  01/01/2010    to  12/31/2010       11.327250        12.446164      4,352,583.2105 
============   ==== ==========       =========        =========      ============== 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                               
  05/01/2003    to  12/31/2003        8.040998         9.698673      1,534,395.9590 
  01/01/2004    to  12/31/2004        9.698673        10.381735      2,143,440.0559 
  01/01/2005    to  12/31/2005       10.381735        11.583229      1,427,441.4251 
  01/01/2006    to  12/31/2006       11.583229        11.670094      1,638,152.1073 
  01/01/2007    to  12/31/2007       11.670094        12.772482      1,581,921.5609 
  01/01/2008    to  12/31/2008       12.772482         7.963454      1,551,252.8603 
  01/01/2009    to  12/31/2009        7.963454        10.921265      1,781,708.2000 
  01/01/2010    to  12/31/2010       10.921265        11.946084      1,712,164.2410 
============   ==== ==========       =========        =========      ============== 
MET/ARTISAN MID CAP VALUE SUB-ACCOUNT (CLASS B)                                     
  05/01/2003    to  12/31/2003       10.872809        13.862260      2,071,231.0065 
  01/01/2004    to  12/31/2004       13.862260        14.935957      2,326,417.7204 
  01/01/2005    to  12/31/2005       14.935957        16.102428      2,059,343.2150 
  01/01/2006    to  12/31/2006       16.102428        17.750131      1,938,746.9426 
  01/01/2007    to  12/31/2007       17.750131        16.206575      1,739,557.5778 
  01/01/2008    to  12/31/2008       16.206575         8.577913      1,563,693.7824 
  01/01/2009    to  12/31/2009        8.577913        11.901726      1,401,945.3300 
  01/01/2010    to  12/31/2010       11.901726        13.421612      1,229,563.7787 
============   ==== ==========       =========        =========      ============== 
MET/DIMENSIONAL INTERNATIONAL SMALL COMPANY SUB-ACCOUNT (CLASS B)                   
  11/10/2008    to  12/31/2008       10.064695        10.129881          2,241.7275 
  01/01/2009    to  12/31/2009       10.129881        14.206229         80,553.9500 
  01/01/2010    to  12/31/2010       14.206229        17.113440        171,671.0437 
============   ==== ==========       =========        =========      ============== 
METLIFE MID CAP STOCK INDEX SUB-ACCOUNT (CLASS G)                                   
  05/04/2009    to  12/31/2009       10.743176        13.360309         41,765.7400 
  01/01/2010    to  12/31/2010       13.360309        16.531427        102,177.0255 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.75% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
METLIFE STOCK INDEX SUB-ACCOUNT (CLASS B)                                           
  05/01/2003    to  12/31/2003        8.580805        10.371889        800,039.6336 
  01/01/2004    to  12/31/2004       10.371889        11.239084      1,579,342.3803 
  01/01/2005    to  12/31/2005       11.239084        11.527947      1,708,923.5260 
  01/01/2006    to  12/31/2006       11.527947        13.048866      1,484,207.7008 
  01/01/2007    to  12/31/2007       13.048866        13.459109      1,324,928.4194 
  01/01/2008    to  12/31/2008       13.459109         8.297251      1,423,638.0340 
  01/01/2009    to  12/31/2009        8.297251        10.266698      1,978,276.6100 
  01/01/2010    to  12/31/2010       10.266698        11.550585      1,989,661.6873 
============   ==== ==========       =========        =========      ============== 
MORGAN STANLEY EAFE (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                           
  05/04/2009    to  12/31/2009        8.895451        11.436663        126,443.0400 
  01/01/2010    to  12/31/2010       11.436663        12.110959        202,589.2940 
============   ==== ==========       =========        =========      ============== 
RUSSELL 2000 (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                                  
  05/04/2009    to  12/31/2009       11.026831        13.541011         38,651.6900 
  01/01/2010    to  12/31/2010       13.541011        16.838547        117,877.3557 
============   ==== ==========       =========        =========      ============== 
VAN ECK GLOBAL NATURAL RESOURCES SUB-ACCOUNT (CLASS B)                              
  05/04/2009    to  12/31/2009       11.606782        14.726652         50,351.1400 
  01/01/2010    to  12/31/2010       14.726652        18.671588        149,743.3191 
============   ==== ==========       =========        =========      ============== 
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                      
  05/01/2005    to  12/31/2005       15.232212        15.181339         22,550.0470 
  01/01/2006    to  12/31/2006       15.181339        15.502724         86,787.6793 
  01/01/2007    to  12/31/2007       15.502724        15.846744        173,390.5817 
  01/01/2008    to  12/31/2008       15.846744        15.488235        312,325.8107 
  01/01/2009    to  12/31/2009       15.488235        15.840564        480,995.1100 
  01/01/2010    to  12/31/2010       15.840564        16.420744        654,029.8508 
============   ==== ==========       =========        =========      ============== 
MET INVESTORS SERIES TRUST - METLIFE ASSET ALLOCATION PROGRAM                       
METLIFE AGGRESSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                   
  11/22/2004    to  12/31/2004       10.300629        10.685617      2,213,209.3000 
  01/01/2005    to  12/31/2005       10.685617        11.590752      5,453,491.2845 
  01/01/2006    to  12/31/2006       11.590752        12.944726      7,434,056.8268 
  01/01/2007    to  12/31/2007       12.944726        13.086132      7,321,485.5993 
  01/01/2008    to  12/31/2008       13.086132         7.610366      6,490,225.9388 
  01/01/2009    to  12/31/2009        7.610366         9.919738      6,596,854.5000 
  01/01/2010    to  12/31/2010        9.919738        11.356251      6,341,797.8258 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                        1.75% SEPARATE ACCOUNT PRODUCT CHARGES                         
                                                                         NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION    
                                  UNIT VALUE AT    UNIT VALUE AT           UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT   
                                      PERIOD           PERIOD          END OF PERIOD   
                                 ---------------  ---------------  --------------------
                                                                                       
METLIFE BALANCED STRATEGY SUB-ACCOUNT (CLASS B)                                        
  11/22/2004    to  12/31/2004       10.100803        10.389680        13,257,270.6000 
  01/01/2005    to  12/31/2005       10.389680        10.937077        30,155,136.3775 
  01/01/2006    to  12/31/2006       10.937077        12.035216        44,641,442.0347 
  01/01/2007    to  12/31/2007       12.035216        12.402700        57,251,497.9108 
  01/01/2008    to  12/31/2008       12.402700         8.294780        55,515,384.9696 
  01/01/2009    to  12/31/2009        8.294780        10.460525        55,632,695.2600 
  01/01/2010    to  12/31/2010       10.460525        11.675611        56,099,136.6667 
============   ==== ==========       =========        =========        =============== 
METLIFE DEFENSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                       
  11/22/2004    to  12/31/2004        9.940942        10.105881         1,028,820.4850 
  01/01/2005    to  12/31/2005       10.105881        10.375938         3,083,958.7669 
  01/01/2006    to  12/31/2006       10.375938        11.075921         5,087,809.1993 
  01/01/2007    to  12/31/2007       11.075921        11.526954         8,010,536.6604 
  01/01/2008    to  12/31/2008       11.526954         8.987380        15,011,543.6110 
  01/01/2009    to  12/31/2009        8.987380        10.854598        16,266,071.9600 
  01/01/2010    to  12/31/2010       10.854598        11.829251        16,834,585.9602 
============   ==== ==========       =========        =========        =============== 
METLIFE GROWTH STRATEGY SUB-ACCOUNT (CLASS B)                                          
  11/22/2004    to  12/31/2004       10.240681        10.600541        10,403,515.5800 
  01/01/2005    to  12/31/2005       10.600541        11.367691        25,977,701.3949 
  01/01/2006    to  12/31/2006       11.367691        12.689689        45,893,148.8369 
  01/01/2007    to  12/31/2007       12.689689        13.054701        69,469,707.8460 
  01/01/2008    to  12/31/2008       13.054701         7.969996        68,454,250.9118 
  01/01/2009    to  12/31/2009        7.969996        10.188952        63,822,858.2600 
  01/01/2010    to  12/31/2010       10.188952        11.563163        60,628,677.9788 
============   ==== ==========       =========        =========        =============== 
METLIFE MODERATE STRATEGY SUB-ACCOUNT (CLASS B)                                        
  11/22/2004    to  12/31/2004       10.010881        10.226064         4,046,698.7430 
  01/01/2005    to  12/31/2005       10.226064        10.633274         9,743,418.7961 
  01/01/2006    to  12/31/2006       10.633274        11.518490        14,282,137.9124 
  01/01/2007    to  12/31/2007       11.518490        12.020101        18,882,391.9704 
  01/01/2008    to  12/31/2008       12.020101         8.690395        20,868,660.8164 
  01/01/2009    to  12/31/2009        8.690395        10.767338        22,934,911.6400 
  01/01/2010    to  12/31/2010       10.767338        11.892574        23,439,387.5385 
============   ==== ==========       =========        =========        =============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                        1.80% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
MET INVESTORS SERIES TRUST                                                            
AMERICAN FUNDS BALANCED ALLOCATION SUB-ACCOUNT (CLASS C)                              
  04/28/2008    to  12/31/2008       10.008027         6.992356        3,809,095.5772 
  01/01/2009    to  12/31/2009        6.992356         8.881638        9,719,558.9000 
  01/01/2010    to  12/31/2010        8.881638         9.784098       13,797,528.8197 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS BOND SUB-ACCOUNT (CLASS C)                                             
  04/28/2008    to  12/31/2008       10.038026         8.927771          278,391.0755 
  01/01/2009    to  12/31/2009        8.927771         9.831441          980,053.0800 
  01/01/2010    to  12/31/2010        9.831441        10.245177        1,373,461.8914 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS GROWTH ALLOCATION SUB-ACCOUNT (CLASS C)                                
  04/28/2008    to  12/31/2008        9.998027         6.342282        7,478,490.8544 
  01/01/2009    to  12/31/2009        6.342282         8.349533       11,158,625.7600 
  01/01/2010    to  12/31/2010        8.349533         9.306378       11,942,222.2899 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS GROWTH SUB-ACCOUNT (CLASS C)                                           
  04/28/2008    to  12/31/2008        9.988028         5.743791          616,676.8452 
  01/01/2009    to  12/31/2009        5.743791         7.835191        1,778,142.0000 
  01/01/2010    to  12/31/2010        7.835191         9.105799        2,614,727.0384 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS INTERNATIONAL SUB-ACCOUNT (CLASS C)                                    
  04/28/2008    to  12/31/2008       10.088023         6.038254          431,946.7935 
  01/01/2009    to  12/31/2009        6.038254         8.454436        1,052,417.6300 
  01/01/2010    to  12/31/2010        8.454436         8.876070        1,784,689.4732 
============   ==== ==========       =========        =========       =============== 
AMERICAN FUNDS MODERATE ALLOCATION SUB-ACCOUNT (CLASS C)                              
  04/28/2008    to  12/31/2008       10.018026         7.664231        1,851,745.0570 
  01/01/2009    to  12/31/2009        7.664231         9.288692        6,099,987.9000 
  01/01/2010    to  12/31/2010        9.288692        10.026861        8,569,012.4567 
============   ==== ==========       =========        =========       =============== 
BLACKROCK HIGH YIELD SUB-ACCOUNT (CLASS B)                                            
  04/28/2008    to  12/31/2008       16.046652        11.971652           32,266.5370 
  01/01/2009    to  12/31/2009       11.971652        17.243250          251,286.3600 
  01/01/2010    to  12/31/2010       17.243250        19.606939          378,592.1516 
============   ==== ==========       =========        =========       =============== 
CLARION GLOBAL REAL ESTATE SUB-ACCOUNT (CLASS B)                                      
  05/01/2004    to  12/31/2004        9.998521        12.799274          597,141.0429 
  01/01/2005    to  12/31/2005       12.799274        14.241861          448,104.2114 
  01/01/2006    to  12/31/2006       14.241861        19.245665          603,303.4149 
  01/01/2007    to  12/31/2007       19.245665        16.064120          447,914.0234 
  01/01/2008    to  12/31/2008       16.064120         9.201824          407,288.2174 
  01/01/2009    to  12/31/2009        9.201824        12.176868          398,715.4800 
  01/01/2010    to  12/31/2010       12.176868        13.886119          427,997.8485 
============   ==== ==========       =========        =========       =============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.80% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
GOLDMAN SACHS MID CAP VALUE SUB-ACCOUNT (CLASS B)                                   
  05/01/2004    to  12/31/2004        9.998521        11.939720        642,749.4681 
  01/01/2005    to  12/31/2005       11.939720        13.197536        755,942.8156 
  01/01/2006    to  12/31/2006       13.197536        14.996823        880,136.7237 
  01/01/2007    to  12/31/2007       14.996823        15.183900        884,393.1976 
  01/01/2008    to  12/31/2008       15.183900         9.532418        626,689.5514 
  01/01/2009    to  12/31/2009        9.532418        12.386674        494,245.3700 
  01/01/2010    to  12/31/2010       12.386674        15.113932        490,750.7956 
============   ==== ==========      ==========       ==========      ============== 
HARRIS OAKMARK INTERNATIONAL SUB-ACCOUNT (CLASS B)                                  
  10/09/2001    to  12/31/2001       10.000000        10.925670            976.7295 
  01/01/2002    to  12/31/2002       10.925670         8.789245        140,210.7037 
  01/01/2003    to  12/31/2003        8.789245        11.651185      1,480,540.4357 
  01/01/2004    to  12/31/2004       11.651185        13.791399      2,141,878.0681 
  01/01/2005    to  12/31/2005       13.791399        15.474588      1,708,844.9828 
  01/01/2006    to  12/31/2006       15.474588        19.584134      1,778,510.3311 
  01/01/2007    to  12/31/2007       19.584134        19.017716      1,638,960.3342 
  01/01/2008    to  12/31/2008       19.017716        11.041112      1,367,740.7266 
  01/01/2009    to  12/31/2009       11.041112        16.815186      1,330,678.2200 
  01/01/2010    to  12/31/2010       16.815186        19.227231      1,470,086.0417 
============   ==== ==========      ==========       ==========      ============== 
INVESCO SMALL CAP GROWTH SUB-ACCOUNT (CLASS B)                                      
 (FORMERLY MET/AIM SMALL CAP GROWTH SUB-ACCOUNT (CLASS B))                          
  10/09/2001    to  12/31/2001       10.000000        11.841568          4,288.5527 
  01/01/2002    to  12/31/2002       11.841568         8.431404        362,610.9895 
  01/01/2003    to  12/31/2003        8.431404        11.499598        984,920.2486 
  01/01/2004    to  12/31/2004       11.499598        12.020385      1,623,020.9578 
  01/01/2005    to  12/31/2005       12.020385        12.782480      1,176,064.6357 
  01/01/2006    to  12/31/2006       12.782480        14.335678        972,968.3298 
  01/01/2007    to  12/31/2007       14.335678        15.637262        827,319.8326 
  01/01/2008    to  12/31/2008       15.637262         9.409582        662,722.4757 
  01/01/2009    to  12/31/2009        9.409582        12.367259        669,949.7000 
  01/01/2010    to  12/31/2010       12.367259        15.327193        647,289.9905 
============   ==== ==========      ==========       ==========      ============== 
JANUS FORTY SUB-ACCOUNT (CLASS B)                                                   
  05/03/2010    to  12/31/2010      135.103915       138.571745          7,096.0322 
============   ==== ==========      ==========       ==========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.80% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
LAZARD MID CAP SUB-ACCOUNT (CLASS B)                                                 
  10/09/2001    to  12/31/2001       10.000000        10.981256           4,572.0767 
  01/01/2002    to  12/31/2002       10.981256         9.618604         293,855.6450 
  01/01/2003    to  12/31/2003        9.618604        11.919827       1,159,676.0099 
  01/01/2004    to  12/31/2004       11.919827        13.392661         960,651.1466 
  01/01/2005    to  12/31/2005       13.392661        14.214507         787,627.2410 
  01/01/2006    to  12/31/2006       14.214507        16.010503         624,114.6295 
  01/01/2007    to  12/31/2007       16.010503        15.297171         499,276.5476 
  01/01/2008    to  12/31/2008       15.297171         9.269262         450,501.5077 
  01/01/2009    to  12/31/2009        9.269262        12.450655         492,061.6400 
  01/01/2010    to  12/31/2010       12.450655        15.024065         514,603.5711 
============   ==== ==========       =========        =========       ============== 
LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B)                       
 (FORMERLY LEGG MASON PARTNERS AGGRESSIVE GROWTH SUB-ACCOUNT (CLASS B))              
  03/21/2001    to  12/31/2001        8.041634         7.285235         208,194.1462 
  01/01/2002    to  12/31/2002        7.285235         5.163465         835,615.5593 
  01/01/2003    to  12/31/2003        5.163465         6.638491       2,448,116.8208 
  01/01/2004    to  12/31/2004        6.638491         7.070062       2,574,044.8090 
  01/01/2005    to  12/31/2005        7.070062         7.887068       1,420,964.3860 
  01/01/2006    to  12/31/2006        7.887068         7.612069       1,339,272.4269 
  01/01/2007    to  12/31/2007        7.612069         7.645002       1,154,904.2918 
  01/01/2008    to  12/31/2008        7.645002         4.576046       1,080,782.0415 
  01/01/2009    to  12/31/2009        4.576046         5.975843       1,012,880.4100 
  01/01/2010    to  12/31/2010        5.975843         7.265437         930,427.9178 
============   ==== ==========       =========        =========       ============== 
LEGG MASON VALUE EQUITY SUB-ACCOUNT (CLASS B)                                        
  11/07/2005    to  12/31/2005       10.246477        10.618538           5,368.6632 
  01/01/2006    to  12/31/2006       10.618538        11.116150         197,254.1536 
  01/01/2007    to  12/31/2007       11.116150        10.271927         275,417.2282 
  01/01/2008    to  12/31/2008       10.271927         4.578276         240,971.5143 
  01/01/2009    to  12/31/2009        4.578276         6.203956         396,051.9600 
  01/01/2010    to  12/31/2010        6.203956         6.540272         501,254.0454 
============   ==== ==========       =========        =========       ============== 
LOOMIS SAYLES GLOBAL MARKETS SUB-ACCOUNT (CLASS B)                                   
  05/01/2006    to  12/31/2006        9.988521        10.311750         133,934.5438 
  01/01/2007    to  12/31/2007       10.311750        12.947617         328,121.3529 
  01/01/2008    to  12/31/2008       12.947617         7.723640         571,515.8787 
  01/01/2009    to  12/31/2009        7.723640        10.682263         724,468.8400 
  01/01/2010    to  12/31/2010       10.682263        12.801388         779,205.1237 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.80% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
LORD ABBETT BOND DEBENTURE SUB-ACCOUNT (CLASS B)                                    
  03/21/2001    to  12/31/2001       13.963875        13.934910        151,439.8865 
  01/01/2002    to  12/31/2002       13.934910        13.607857      1,326,102.1495 
  01/01/2003    to  12/31/2003       13.607857        15.925780      3,507,953.9211 
  01/01/2004    to  12/31/2004       15.925780        16.918301      2,771,874.1357 
  01/01/2005    to  12/31/2005       16.918301        16.865474      1,846,433.2934 
  01/01/2006    to  12/31/2006       16.865474        18.080789      1,699,415.0615 
  01/01/2007    to  12/31/2007       18.080789        18.919602      1,401,255.6043 
  01/01/2008    to  12/31/2008       18.919602        15.124411      1,058,897.5954 
  01/01/2009    to  12/31/2009       15.124411        20.317210      1,057,002.7300 
  01/01/2010    to  12/31/2010       20.317210        22.542192        967,394.8045 
============   ==== ==========       =========        =========      ============== 
LORD ABBETT GROWTH AND INCOME SUB-ACCOUNT (CLASS B)                                 
  03/21/2001    to  12/31/2001       39.123031        41.263886         88,945.3931 
  01/01/2002    to  12/31/2002       41.263886        33.183838        534,288.0861 
  01/01/2003    to  12/31/2003       33.183838        42.608637      1,374,254.9266 
  01/01/2004    to  12/31/2004       42.608637        47.138957      1,417,141.8408 
  01/01/2005    to  12/31/2005       47.138957        47.870784      1,076,495.9235 
  01/01/2006    to  12/31/2006       47.870784        55.381470        954,509.0865 
  01/01/2007    to  12/31/2007       55.381470        56.412293        757,135.7169 
  01/01/2008    to  12/31/2008       56.412293        35.274100        623,657.9898 
  01/01/2009    to  12/31/2009       35.274100        41.017005        603,054.3900 
  01/01/2010    to  12/31/2010       41.017005        47.141906        592,296.9086 
============   ==== ==========       =========        =========      ============== 
MET/EATON VANCE FLOATING RATE SUB-ACCOUNT (CLASS B)                                 
  05/03/2010    to  12/31/2010        9.997534        10.195084         68,221.7079 
============   ==== ==========       =========        =========      ============== 
LORD ABBETT MID CAP VALUE SUB-ACCOUNT (CLASS B)                                     
  04/28/2008    to  12/31/2008       24.701441        16.230660         40,761.0721 
  01/01/2009    to  12/31/2009       16.230660        20.170985        173,122.5400 
  01/01/2010    to  12/31/2010       20.170985        24.868817        200,779.5936 
============   ==== ==========       =========        =========      ============== 
MET/FRANKLIN MUTUAL SHARES SUB-ACCOUNT (CLASS B)                                    
  04/28/2008    to  12/31/2008        9.998027         6.581951        119,379.1955 
  01/01/2009    to  12/31/2009        6.581951         8.073191        572,596.4800 
  01/01/2010    to  12/31/2010        8.073191         8.803303        931,265.7032 
============   ==== ==========       =========        =========      ============== 
MET/FRANKLIN TEMPLETON FOUNDING STRATEGY SUB-ACCOUNT (CLASS B)                      
  04/28/2008    to  12/31/2008        9.998027         7.014269      2,124,172.0065 
  01/01/2009    to  12/31/2009        7.014269         8.856104      3,668,059.6900 
  01/01/2010    to  12/31/2010        8.856104         9.571990      4,465,311.3527 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.80% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
MET/PUTNAM RESEARCH SUB-ACCOUNT (CLASS B)                                           
  03/21/2001    to  12/31/2001        8.137898         8.040755        188,353.5820 
  01/01/2002    to  12/31/2002        8.040755         6.253646        555,618.7598 
  01/01/2003    to  12/31/2003        6.253646         7.637036      1,094,159.0554 
  01/01/2004    to  11/19/2004        7.637036         7.817754        993,305.6103 
============   ==== ==========       =========        =========      ============== 
MET/TEMPLETON INTERNATIONAL BOND SUB-ACCOUNT (CLASS B)                              
  05/04/2009    to  12/31/2009        9.998027        10.867960         34,758.0500 
  01/01/2010    to  12/31/2010       10.867960        12.119715        112,544.1346 
============   ==== ==========       =========        =========      ============== 
MFS (Reg. TM) EMERGING MARKETS EQUITY SUB-ACCOUNT (CLASS B)                         
  05/01/2006    to  12/31/2006        9.988521        10.450406         72,747.7988 
  01/01/2007    to  12/31/2007       10.450406        14.021368        322,080.9114 
  01/01/2008    to  12/31/2008       14.021368         6.123445        442,555.6237 
  01/01/2009    to  12/31/2009        6.123445        10.160875        951,338.5800 
  01/01/2010    to  12/31/2010       10.160875        12.340627      1,179,937.9708 
============   ==== ==========       =========        =========      ============== 
MFS (Reg. TM) RESEARCH INTERNATIONAL SUB-ACCOUNT (CLASS B)                          
  03/21/2001    to  12/31/2001        8.805686         8.354994        127,244.6672 
  01/01/2002    to  12/31/2002        8.354994         7.237479        665,344.3014 
  01/01/2003    to  12/31/2003        7.237479         9.386204      1,209,618.3405 
  01/01/2004    to  12/31/2004        9.386204        11.021453      2,069,121.5884 
  01/01/2005    to  12/31/2005       11.021453        12.603190      1,522,889.8641 
  01/01/2006    to  12/31/2006       12.603190        15.667304      1,628,699.0663 
  01/01/2007    to  12/31/2007       15.667304        17.431346      1,500,469.4417 
  01/01/2008    to  12/31/2008       17.431346         9.866638      1,316,194.1240 
  01/01/2009    to  12/31/2009        9.866638        12.749564      1,210,959.7000 
  01/01/2010    to  12/31/2010       12.749564        13.950399      1,190,272.6761 
============   ==== ==========       =========        =========      ============== 
OPPENHEIMER CAPITAL APPRECIATION SUB-ACCOUNT (CLASS B)                              
  03/21/2001    to  12/31/2001        8.558733         8.440489        263,517.2886 
  01/01/2002    to  12/31/2002        8.440489         6.239188      1,773,536.2393 
  01/01/2003    to  12/31/2003        6.239188         7.876171      4,817,764.5225 
  01/01/2004    to  12/31/2004        7.876171         8.230659      5,530,751.6105 
  01/01/2005    to  12/31/2005        8.230659         8.465353      3,883,884.1478 
  01/01/2006    to  12/31/2006        8.465353         8.947983      3,487,237.6422 
  01/01/2007    to  12/31/2007        8.947983        10.043168      2,885,506.3481 
  01/01/2008    to  12/31/2008       10.043168         5.332099      2,227,497.9596 
  01/01/2009    to  12/31/2009        5.332099         7.525685      1,927,623.8300 
  01/01/2010    to  12/31/2010        7.525685         8.086054      1,740,455.6522 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                        1.80% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
PIMCO INFLATION PROTECTED BOND SUB-ACCOUNT (CLASS B)                                  
  05/01/2003    to  12/31/2003       10.000000        10.408048        2,507,733.3149 
  01/01/2004    to  12/31/2004       10.408048        11.142998        3,061,984.3576 
  01/01/2005    to  12/31/2005       11.142998        11.096573        2,274,973.7393 
  01/01/2006    to  12/31/2006       11.096573        10.941314        2,055,042.1997 
  01/01/2007    to  12/31/2007       10.941314        11.905367        1,700,055.1886 
  01/01/2008    to  12/31/2008       11.905367        10.886879        1,631,796.5109 
  01/01/2009    to  12/31/2009       10.886879        12.622618        2,351,725.7600 
  01/01/2010    to  12/31/2010       12.622618        13.359664        3,048,120.2860 
============   ==== ==========       =========        =========        ============== 
PIMCO TOTAL RETURN SUB-ACCOUNT (CLASS B)                                              
  03/21/2001    to  12/31/2001       10.161771        10.503380          283,097.4435 
  01/01/2002    to  12/31/2002       10.503380        11.274776        2,505,019.1930 
  01/01/2003    to  12/31/2003       11.274776        11.550473        4,240,212.2557 
  01/01/2004    to  12/31/2004       11.550473        11.908891        3,592,733.8360 
  01/01/2005    to  12/31/2005       11.908891        11.959923        3,021,342.6907 
  01/01/2006    to  12/31/2006       11.959923        12.277851        2,847,466.1932 
  01/01/2007    to  12/31/2007       12.277851        12.969788        2,498,091.8260 
  01/01/2008    to  12/31/2008       12.969788        12.790020        2,603,981.9761 
  01/01/2009    to  12/31/2009       12.790020        14.826672        3,815,734.2800 
  01/01/2010    to  12/31/2010       14.826672        15.752043        4,955,168.0144 
============   ==== ==========       =========        =========        ============== 
PIONEER FUND SUB-ACCOUNT (CLASS B)                                                    
  05/04/2009    to  12/31/2009       12.604707        15.412194            4,678.4900 
  01/01/2010    to  12/31/2010       15.412194        17.548973           24,752.4260 
============   ==== ==========       =========        =========        ============== 
PIONEER STRATEGIC INCOME SUB-ACCOUNT (CLASS E)                                        
  05/03/2010    to  12/31/2010       11.733980        12.292535           85,460.3839 
============   ==== ==========       =========        =========        ============== 
RAINIER LARGE CAP EQUITY SUB-ACCOUNT (CLASS B)                                        
  11/12/2007    to  12/31/2007        9.564292         9.977183           48,189.7344 
  01/01/2008    to  12/31/2008        9.977183         5.702159          178,316.6573 
  01/01/2009    to  12/31/2009        5.702159         6.902598          250,265.6000 
  01/01/2010    to  12/31/2010        6.902598         7.822517          185,353.4542 
============   ==== ==========       =========        =========        ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.80% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
RCM TECHNOLOGY SUB-ACCOUNT (CLASS B)                                                 
  03/21/2001    to  12/31/2001        7.234270         6.074341          89,301.1669 
  01/01/2002    to  12/31/2002        6.074341         2.939266         505,062.4218 
  01/01/2003    to  12/31/2003        2.939266         4.548861       1,097,034.0651 
  01/01/2004    to  12/31/2004        4.548861         4.274839       1,658,801.2050 
  01/01/2005    to  12/31/2005        4.274839         4.661325         961,138.9494 
  01/01/2006    to  12/31/2006        4.661325         4.823166         908,692.4532 
  01/01/2007    to  12/31/2007        4.823166         6.229901         956,219.8608 
  01/01/2008    to  12/31/2008        6.229901         3.398616         756,722.0825 
  01/01/2009    to  12/31/2009        3.398616         5.306594         790,582.3400 
  01/01/2010    to  12/31/2010        5.306594         6.655218         815,843.6140 
============   ==== ==========       =========        =========       ============== 
SSGA GROWTH AND INCOME ETF SUB-ACCOUNT (CLASS B)                                     
  11/10/2008    to  12/31/2008        8.301144         8.460286         101,524.1587 
  01/01/2009    to  12/31/2009        8.460286        10.377335       1,802,042.9300 
  01/01/2010    to  12/31/2010       10.377335        11.439728       4,199,478.9099 
============   ==== ==========       =========        =========       ============== 
SSGA GROWTH ETF SUB-ACCOUNT (CLASS B)                                                
  11/10/2008    to  12/31/2008        7.686099         7.756380           7,345.9493 
  01/01/2009    to  12/31/2009        7.756380         9.834791       1,442,234.7800 
  01/01/2010    to  12/31/2010        9.834791        11.026635       2,127,045.9215 
============   ==== ==========       =========        =========       ============== 
T. ROWE PRICE MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                   
  03/21/2001    to  12/31/2001        8.099086         8.210931         210,431.8435 
  01/01/2002    to  12/31/2002        8.210931         4.512937       1,031,443.2742 
  01/01/2003    to  12/31/2003        4.512937         6.056532       2,893,956.4329 
  01/01/2004    to  12/31/2004        6.056532         7.008410       2,048,930.8382 
  01/01/2005    to  12/31/2005        7.008410         7.890626       2,222,654.6618 
  01/01/2006    to  12/31/2006        7.890626         8.227961       2,043,114.2190 
  01/01/2007    to  12/31/2007        8.227961         9.505627       1,985,353.8466 
  01/01/2008    to  12/31/2008        9.505627         5.624666       1,747,083.6134 
  01/01/2009    to  12/31/2009        5.624666         8.036369       2,038,166.1300 
  01/01/2010    to  12/31/2010        8.036369        10.078183       2,326,703.9905 
============   ==== ==========       =========        =========       ============== 
THIRD AVENUE SMALL CAP VALUE SUB-ACCOUNT (CLASS B)                                   
  05/01/2002    to  12/31/2002       10.000000         8.210477         275,334.0815 
  01/01/2003    to  12/31/2003        8.210477        11.404493       1,782,235.4316 
  01/01/2004    to  12/31/2004       11.404493        14.169346       2,104,571.8357 
  01/01/2005    to  12/31/2005       14.169346        16.071495       1,840,652.9726 
  01/01/2006    to  12/31/2006       16.071495        17.858290       1,755,732.0486 
  01/01/2007    to  12/31/2007       17.858290        17.008110       1,443,724.3360 
  01/01/2008    to  12/31/2008       17.008110        11.722197       1,164,931.7600 
  01/01/2009    to  12/31/2009       11.722197        14.558366       1,132,699.5000 
  01/01/2010    to  12/31/2010       14.558366        17.143934       1,147,117.3916 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

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                       1.80% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
TURNER MID CAP GROWTH SUB-ACCOUNT (CLASS B)                                         
  05/01/2004    to  12/31/2004        9.998521        11.085242        523,770.7046 
  01/01/2005    to  12/31/2005       11.085242        12.124664        304,613.1156 
  01/01/2006    to  12/31/2006       12.124664        12.632037        340,639.0078 
  01/01/2007    to  12/31/2007       12.632037        15.401303        350,783.1998 
  01/01/2008    to  12/31/2008       15.401303         7.820092        317,962.8731 
  01/01/2009    to  12/31/2009        7.820092        11.303161        309,335.3700 
  01/01/2010    to  12/31/2010       11.303161        14.117238        324,241.7393 
============   ==== ==========       =========        =========      ============== 
VAN KAMPEN COMSTOCK SUB-ACCOUNT (CLASS B)                                           
  05/01/2005    to  12/31/2005        9.998521        10.447819        156,499.5392 
  01/01/2006    to  12/31/2006       10.447819        11.909290        338,153.6938 
  01/01/2007    to  12/31/2007       11.909290        11.404215        365,711.1651 
  01/01/2008    to  12/31/2008       11.404215         7.177860        334,062.1525 
  01/01/2009    to  12/31/2009        7.177860         8.923076        447,005.0500 
  01/01/2010    to  12/31/2010        8.923076        10.065751        501,516.5527 
============   ==== ==========       =========        =========      ============== 
METROPOLITAN SERIES FUND, INC.                                                      
BARCLAYS CAPITAL AGGREGATE BOND INDEX SUB-ACCOUNT (CLASS G)                         
  05/04/2009    to  12/31/2009       13.824619        14.272032        134,994.1800 
  01/01/2010    to  12/31/2010       14.272032        14.809536        234,451.9631 
============   ==== ==========       =========        =========      ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                        
  05/01/2005    to  12/31/2005        9.799387         9.876423        836,908.6974 
  01/01/2006    to  12/31/2006        9.876423        10.142207      1,380,988.0751 
  01/01/2007    to  12/31/2007       10.142207        10.439850      1,528,198.8217 
  01/01/2008    to  12/31/2008       10.439850        10.519609      3,453,459.7078 
  01/01/2009    to  12/31/2009       10.519609        10.358106      3,509,197.2800 
  01/01/2010    to  12/31/2010       10.358106        10.173319      2,835,347.4059 
============   ==== ==========       =========        =========      ============== 
BLACKROCK MONEY MARKET SUB-ACCOUNT (CLASS B)                                        
 (FORMERLY MET INVESTORS SERIES TRUST - MONEY MARKET SUB-ACCOUNT (CLASS B))         
  03/21/2001    to  12/31/2001       10.032441        10.122623        258,104.6279 
  01/01/2002    to  12/31/2002       10.122623        10.051027      1,207,446.1109 
  01/01/2003    to  12/31/2003       10.051027         9.914594      1,452,290.1044 
  01/01/2004    to  12/31/2004        9.914594         9.799692      1,055,081.7100 
  01/01/2005    to  04/30/2005        9.799692         9.799722              0.0000 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                       1.80% SEPARATE ACCOUNT PRODUCT CHARGES                       
                                                                       NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION  
                                  UNIT VALUE AT    UNIT VALUE AT         UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT 
                                      PERIOD           PERIOD        END OF PERIOD  
                                 ---------------  ---------------  -----------------
                                                                                    
DAVIS VENTURE VALUE SUB-ACCOUNT (CLASS E)                                           
  03/21/2001    to  12/31/2001       10.000000        10.124913        348,124.3820 
  01/01/2002    to  12/31/2002       10.124913         8.298345      1,897,436.7263 
  01/01/2003    to  12/31/2003        8.298345        10.655482      4,063,318.9486 
  01/01/2004    to  12/31/2004       10.655482        11.735525      5,616,092.4340 
  01/01/2005    to  12/31/2005       11.735525        12.695134      4,489,657.5895 
  01/01/2006    to  12/31/2006       12.695134        14.265570      4,233,485.5363 
  01/01/2007    to  12/31/2007       14.265570        14.630624      3,661,355.2511 
  01/01/2008    to  12/31/2008       14.630624         8.699080      3,111,521.8681 
  01/01/2009    to  12/31/2009        8.699080        11.263222      3,117,520.2300 
  01/01/2010    to  12/31/2010       11.263222        12.369630      3,171,564.9799 
============   ==== ==========       =========        =========      ============== 
JENNISON GROWTH SUB-ACCOUNT (CLASS B)                                               
  05/01/2002    to  12/31/2002       10.000000         7.607663        603,710.2354 
  01/01/2003    to  12/31/2003        7.607663         9.690594      1,724,473.5507 
  01/01/2004    to  12/31/2004        9.690594        10.367887      2,142,412.1792 
  01/01/2005    to  12/31/2005       10.367887        11.562016      1,560,795.8047 
  01/01/2006    to  12/31/2006       11.562016        11.642913      1,547,216.5941 
  01/01/2007    to  12/31/2007       11.642913        12.736327      1,370,855.8448 
  01/01/2008    to  12/31/2008       12.736327         7.936920      1,233,062.8874 
  01/01/2009    to  12/31/2009        7.936920        10.879438      1,218,218.1100 
  01/01/2010    to  12/31/2010       10.879438        11.894387      1,303,738.8928 
============   ==== ==========       =========        =========      ============== 
MET/ARTISAN MID CAP VALUE SUB-ACCOUNT (CLASS B)                                     
  03/21/2001    to  12/31/2001       10.000000        11.910526        252,316.2501 
  01/01/2002    to  12/31/2002       11.910526        10.637413      1,266,772.6327 
  01/01/2003    to  12/31/2003       10.637413        13.825385      2,883,328.2301 
  01/01/2004    to  12/31/2004       13.825385        14.888758      2,775,140.5731 
  01/01/2005    to  12/31/2005       14.888758        16.043544      2,228,217.0660 
  01/01/2006    to  12/31/2006       16.043544        17.676407      1,978,532.4121 
  01/01/2007    to  12/31/2007       17.676407        16.131145      1,598,488.4887 
  01/01/2008    to  12/31/2008       16.131145         8.533693      1,331,403.3216 
  01/01/2009    to  12/31/2009        8.533693        11.834451      1,282,470.4300 
  01/01/2010    to  12/31/2010       11.834451        13.339080      1,193,942.0329 
============   ==== ==========       =========        =========      ============== 
MET/DIMENSIONAL INTERNATIONAL SMALL COMPANY SUB-ACCOUNT (CLASS B)                   
  11/10/2008    to  12/31/2008       10.064543        10.129022          1,761.1113 
  01/01/2009    to  12/31/2009       10.129022        14.197922        159,368.0000 
  01/01/2010    to  12/31/2010       14.197922        17.094897        171,869.4777 
============   ==== ==========       =========        =========      ============== 
METLIFE MID CAP STOCK INDEX SUB-ACCOUNT (CLASS G)                                   
  05/04/2009    to  12/31/2009       10.695786        13.296994         48,361.3100 
  01/01/2010    to  12/31/2010       13.296994        16.444869         97,875.1016 
============   ==== ==========       =========        =========      ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                       1.80% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF    
                                   ACCUMULATION     ACCUMULATION      ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS      
                                   BEGINNING OF        END OF        OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD  
                                 ---------------  ---------------  ------------------
                                                                                     
METLIFE STOCK INDEX SUB-ACCOUNT (CLASS B)                                            
  10/09/2001    to  12/31/2001       10.000000        10.839954           6,382.0246 
  01/01/2002    to  12/31/2002       10.839954         8.249162         677,031.6286 
  01/01/2003    to  12/31/2003        8.249162        10.360344       1,312,372.0999 
  01/01/2004    to  12/31/2004       10.360344        11.220948       1,562,037.4490 
  01/01/2005    to  12/31/2005       11.220948        11.503609       1,519,249.0129 
  01/01/2006    to  12/31/2006       11.503609        13.014826       1,318,334.2929 
  01/01/2007    to  12/31/2007       13.014826        13.417251       1,047,513.7250 
  01/01/2008    to  12/31/2008       13.417251         8.267288         919,075.7166 
  01/01/2009    to  12/31/2009        8.267288        10.224509       1,088,761.5900 
  01/01/2010    to  12/31/2010       10.224509        11.497376       1,133,490.9401 
============   ==== ==========       =========        =========       ============== 
MORGAN STANLEY EAFE (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                            
  05/04/2009    to  12/31/2009        8.848886        11.373048          60,561.6600 
  01/01/2010    to  12/31/2010       11.373048        12.037580         105,389.7065 
============   ==== ==========       =========        =========       ============== 
RUSSELL 2000 (Reg. TM) INDEX SUB-ACCOUNT (CLASS G)                                   
  05/04/2009    to  12/31/2009       10.969103        13.465685          39,116.0100 
  01/01/2010    to  12/31/2010       13.465685        16.736517         114,458.4914 
============   ==== ==========       =========        =========       ============== 
VAN ECK GLOBAL NATURAL RESOURCES SUB-ACCOUNT (CLASS B)                               
  05/04/2009    to  12/31/2009       11.603814        14.718034          86,059.4500 
  01/01/2010    to  12/31/2010       14.718034        18.651343         280,111.8297 
============   ==== ==========       =========        =========       ============== 
WESTERN ASSET MANAGEMENT U.S. GOVERNMENT SUB-ACCOUNT (CLASS B)                       
  05/01/2005    to  12/31/2005       15.152382        15.096769          14,731.7289 
  01/01/2006    to  12/31/2006       15.096769        15.408678          39,328.2866 
  01/01/2007    to  12/31/2007       15.408678        15.742695          84,109.8648 
  01/01/2008    to  12/31/2008       15.742695        15.378827         278,505.7173 
  01/01/2009    to  12/31/2009       15.378827        15.720806         322,022.8500 
  01/01/2010    to  12/31/2010       15.720806        16.288453         422,324.1286 
============   ==== ==========       =========        =========       ============== 
MET INVESTORS SERIES TRUST - METLIFE ASSET ALLOCATION PROGRAM                        
METLIFE AGGRESSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                    
  11/22/2004    to  12/31/2004       10.300361        10.684769       1,487,877.4590 
  01/01/2005    to  12/31/2005       10.684769        11.584057       3,909,384.7415 
  01/01/2006    to  12/31/2006       11.584057        12.930800       3,940,889.4579 
  01/01/2007    to  12/31/2007       12.930800        13.065482       3,265,679.1542 
  01/01/2008    to  12/31/2008       13.065482         7.594535       3,039,245.1583 
  01/01/2009    to  12/31/2009        7.594535         9.894153       2,894,600.2300 
  01/01/2010    to  12/31/2010        9.894153        11.321306       2,991,457.9543 
============   ==== ==========       =========        =========       ============== 

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                        1.80% SEPARATE ACCOUNT PRODUCT CHARGES                        
                                                                        NUMBER OF     
                                   ACCUMULATION     ACCUMULATION       ACCUMULATION   
                                  UNIT VALUE AT    UNIT VALUE AT          UNITS       
                                   BEGINNING OF        END OF         OUTSTANDING AT  
                                      PERIOD           PERIOD         END OF PERIOD   
                                 ---------------  ---------------  -------------------
                                                                                      
METLIFE BALANCED STRATEGY SUB-ACCOUNT (CLASS B)                                       
  11/22/2004    to  12/31/2004       10.100540        10.388855        8,421,041.7640 
  01/01/2005    to  12/31/2005       10.388855        10.930758       20,949,578.4864 
  01/01/2006    to  12/31/2006       10.930758        12.022266       27,286,538.8309 
  01/01/2007    to  12/31/2007       12.022266        12.383127       33,870,556.6607 
  01/01/2008    to  12/31/2008       12.383127         8.277530       32,275,062.1718 
  01/01/2009    to  12/31/2009        8.277530        10.433553       33,634,606.3700 
  01/01/2010    to  12/31/2010       10.433553        11.639689       35,224,850.2923 
============   ==== ==========       =========        =========       =============== 
METLIFE DEFENSIVE STRATEGY SUB-ACCOUNT (CLASS B)                                      
  11/22/2004    to  12/31/2004        9.940683        10.105078        1,595,158.4110 
  01/01/2005    to  12/31/2005       10.105078        10.369941        2,443,244.2844 
  01/01/2006    to  12/31/2006       10.369941        11.064002        2,898,156.1817 
  01/01/2007    to  12/31/2007       11.064002        11.508762        3,757,749.2514 
  01/01/2008    to  12/31/2008       11.508762         8.968693        7,265,336.9481 
  01/01/2009    to  12/31/2009        8.968693        10.826616        9,500,812.5900 
  01/01/2010    to  12/31/2010       10.826616        11.792861       10,718,533.7000 
============   ==== ==========       =========        =========       =============== 
METLIFE GROWTH STRATEGY SUB-ACCOUNT (CLASS B)                                         
  11/22/2004    to  12/31/2004       10.240415        10.599700        7,829,502.2490 
  01/01/2005    to  12/31/2005       10.599700        11.361125       19,917,570.3516 
  01/01/2006    to  12/31/2006       11.361125        12.676036       29,901,569.1855 
  01/01/2007    to  12/31/2007       12.676036        13.034100       44,918,849.8659 
  01/01/2008    to  12/31/2008       13.034100         7.953419       43,636,600.2259 
  01/01/2009    to  12/31/2009        7.953419        10.162676       40,988,993.6000 
  01/01/2010    to  12/31/2010       10.162676        11.527582       38,900,736.9868 
============   ==== ==========       =========        =========       =============== 
METLIFE MODERATE STRATEGY SUB-ACCOUNT (CLASS B)                                       
  11/22/2004    to  12/31/2004       10.010620        10.225252        4,072,519.8390 
  01/01/2005    to  12/31/2005       10.225252        10.627130        9,201,916.9296 
  01/01/2006    to  12/31/2006       10.627130        11.506096       11,247,462.2064 
  01/01/2007    to  12/31/2007       11.506096        12.001131       13,659,352.2150 
  01/01/2008    to  12/31/2008       12.001131         8.672324       16,207,307.2590 
  01/01/2009    to  12/31/2009        8.672324        10.739578       18,857,923.5300 
  01/01/2010    to  12/31/2010       10.739578        11.855988       20,843,034.6172 
============   ==== ==========       =========        =========       =============== 

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FINANCIAL STATEMENTS                                                            

The financial statements and financial highlights comprising each of the Sub-   
Accounts of the Separate Account and the financial statements of the Company    
are included herein.                                                            

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

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM                         

To the Contract Owners of                                                       
MetLife Investors USA Separate Account A                                        
and Board of Directors of                                                       
MetLife Investors USA Insurance Company                                         

We have audited the accompanying statements of assets and liabilities of        
MetLife Investors USA Separate Account A (the "Separate Account") of MetLife    
Investors USA Insurance Company (the "Company") comprising each of the          
individual Sub-Accounts listed in Note 2 as of December 31, 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 Sub-Accounts 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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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES                                            
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                             
                                                                                                             
                                       MIST LORD ABBETT MIST LORD ABBETT MIST MORGAN STANLEY MIST LORD ABBETT
                                      GROWTH AND INCOME   BOND DEBENTURE      MID CAP GROWTH    MID CAP VALUE
                                            SUB-ACCOUNT      SUB-ACCOUNT         SUB-ACCOUNT      SUB-ACCOUNT
                                      ----------------- ---------------- ------------------- ----------------
ASSETS:                                                                                                      
  Investments at fair value               $ 558,423,625    $ 267,920,774        $ 89,015,754    $ 108,323,433
  Accrued dividends                                  --               --                  --               --
  Due from MetLife Investors                                                                                 
     USA Insurance Company                           22                2                  --               --
                                      ----------------- ---------------- ------------------- ----------------
       Total Assets                         558,423,647      267,920,776          89,015,754      108,323,433
                                      ----------------- ---------------- ------------------- ----------------
LIABILITIES:                                                                                                 
  Accrued fees                                       41               81                  82               53
  Due to MetLife Investors                                                                                   
     USA Insurance Company                           --               --                  --                1
                                      ----------------- ---------------- ------------------- ----------------
       Total Liabilities                             41               81                  82               54
                                      ----------------- ---------------- ------------------- ----------------
NET ASSETS                                $ 558,423,606    $ 267,920,695        $ 89,015,672    $ 108,323,379
                                      ================= ================ =================== ================
CONTRACT OWNERS' EQUITY                                                                                      
  Net assets from accumulation units      $ 558,188,238    $ 267,641,542        $ 89,015,672    $ 108,323,379
  Net assets from contracts in payout           235,368          279,153                  --               --
                                      ----------------- ---------------- ------------------- ----------------
       Total Net Assets                   $ 558,423,606    $ 267,920,695        $ 89,015,672    $ 108,323,379
                                      ================= ================ =================== ================

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

1                                                                               

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                      
                                                                                                      
                                                                         MIST HARRIS                  
                                        MIST LAZARD MIST INVESCO SMALL       OAKMARK MIST THIRD AVENUE
                                            MID CAP         CAP GROWTH INTERNATIONAL   SMALL CAP VALUE
                                        SUB-ACCOUNT        SUB-ACCOUNT   SUB-ACCOUNT       SUB-ACCOUNT
                                      ------------- ------------------ ------------- -----------------
ASSETS:                                                                                               
  Investments at fair value           $ 135,205,459      $ 186,610,643 $ 459,739,266     $ 327,520,528
  Accrued dividends                              --                 --            --                --
  Due from MetLife Investors                                                                          
     USA Insurance Company                        4                  7             4                --
                                      ------------- ------------------ ------------- -----------------
       Total Assets                     135,205,463        186,610,650   459,739,270       327,520,528
                                      ------------- ------------------ ------------- -----------------
LIABILITIES:                                                                                          
  Accrued fees                                   57                 92            73                51
  Due to MetLife Investors                                                                            
     USA Insurance Company                       --                 --            --                --
                                      ------------- ------------------ ------------- -----------------
       Total Liabilities                         57                 92            73                51
                                      ------------- ------------------ ------------- -----------------
NET ASSETS                            $ 135,205,406      $ 186,610,558 $ 459,739,197     $ 327,520,477
                                      ============= ================== ============= =================
CONTRACT OWNERS' EQUITY                                                                               
  Net assets from accumulation units  $ 135,158,899      $ 186,555,625 $ 459,595,735     $ 327,379,475
  Net assets from contracts in payout        46,507             54,933       143,462           141,002
                                      ------------- ------------------ ------------- -----------------
       Total Net Assets               $ 135,205,406      $ 186,610,558 $ 459,739,197     $ 327,520,477
                                      ============= ================== ============= =================

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

2                                                                               

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                                                        [Enlarge/Download Table]
                                                                                                      
                                                                                                      
                       MIST LEGG MASON                                   MIST PIMCO                   
    MIST OPPENHEIMER       CLEARBRIDGE      MIST PIMCO      MIST RCM      INFLATION MIST T. ROWE PRICE
CAPITAL APPRECIATION AGGRESSIVE GROWTH    TOTAL RETURN    TECHNOLOGY PROTECTED BOND     MID CAP GROWTH
         SUB-ACCOUNT       SUB-ACCOUNT     SUB-ACCOUNT   SUB-ACCOUNT    SUB-ACCOUNT        SUB-ACCOUNT
-------------------- ----------------- --------------- ------------- -------------- ------------------
       $ 196,389,807     $ 102,505,804 $ 1,761,602,512 $ 109,729,058  $ 711,162,968      $ 414,850,160
                  --                --              --            --             --                 --
                  --                --              --            --             --                  1
-------------------- ----------------- --------------- ------------- -------------- ------------------
         196,389,807       102,505,804   1,761,602,512   109,729,058    711,162,968        414,850,161
-------------------- ----------------- --------------- ------------- -------------- ------------------
                  52                44              45            35             93                 30
                  --                 2               3             7              1                 --
-------------------- ----------------- --------------- ------------- -------------- ------------------
                  52                46              48            42             94                 30
-------------------- ----------------- --------------- ------------- -------------- ------------------
       $ 196,389,755     $ 102,505,758 $ 1,761,602,464 $ 109,729,016  $ 711,162,874      $ 414,850,131
==================== ================= =============== ============= ============== ==================
       $ 196,159,382     $ 102,487,184 $ 1,761,297,602 $ 109,724,913  $ 710,980,958      $ 414,814,615
             230,373            18,574         304,862         4,103        181,916             35,516
-------------------- ----------------- --------------- ------------- -------------- ------------------
       $ 196,389,755     $ 102,505,758 $ 1,761,602,464 $ 109,729,016  $ 711,162,874      $ 414,850,131
==================== ================= =============== ============= ============== ==================

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

3                                                                               

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                            
                                                                                                            
                                      MIST MFS RESEARCH       MIST CLARION    MIST TURNER MIST GOLDMAN SACHS
                                          INTERNATIONAL GLOBAL REAL ESTATE MID CAP GROWTH      MID CAP VALUE
                                            SUB-ACCOUNT        SUB-ACCOUNT    SUB-ACCOUNT        SUB-ACCOUNT
                                      ----------------- ------------------ -------------- ------------------
ASSETS:                                                                                                     
  Investments at fair value               $ 318,521,682      $ 139,330,818   $ 83,688,790      $ 112,015,715
  Accrued dividends                                  --                 --             --                 --
  Due from MetLife Investors                                                                                
     USA Insurance Company                            6                  4              4                  3
                                      ----------------- ------------------ -------------- ------------------
       Total Assets                         318,521,688        139,330,822     83,688,794        112,015,718
                                      ----------------- ------------------ -------------- ------------------
LIABILITIES:                                                                                                
  Accrued fees                                       62                 68             53                 54
  Due to MetLife Investors                                                                                  
     USA Insurance Company                           --                 --             --                 --
                                      ----------------- ------------------ -------------- ------------------
       Total Liabilities                             62                 68             53                 54
                                      ----------------- ------------------ -------------- ------------------
NET ASSETS                                $ 318,521,626      $ 139,330,754   $ 83,688,741      $ 112,015,664
                                      ================= ================== ============== ==================
CONTRACT OWNERS' EQUITY                                                                                     
  Net assets from accumulation units      $ 318,426,193      $ 139,303,034   $ 83,671,348      $ 111,981,964
  Net assets from contracts in payout            95,433             27,720         17,393             33,700
                                      ----------------- ------------------ -------------- ------------------
       Total Net Assets                   $ 318,521,626      $ 139,330,754   $ 83,688,741      $ 112,015,664
                                      ================= ================== ============== ==================

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

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                                                        [Enlarge/Download Table]
                                                                                                          
                                                                                                          
      MIST METLIFE      MIST METLIFE      MIST METLIFE    MIST METLIFE        MIST METLIFE MIST VAN KAMPEN
DEFENSIVE STRATEGY MODERATE STRATEGY BALANCED STRATEGY GROWTH STRATEGY AGGRESSIVE STRATEGY        COMSTOCK
       SUB-ACCOUNT       SUB-ACCOUNT       SUB-ACCOUNT     SUB-ACCOUNT         SUB-ACCOUNT     SUB-ACCOUNT
------------------ ----------------- ----------------- --------------- ------------------- ---------------
   $ 2,003,850,540   $ 3,094,289,696   $ 6,437,293,469 $ 5,512,372,237       $ 522,967,859   $ 230,561,399
                --                --                --              --                  --              --
                 3                 2                 5               7                   4               1
------------------ ----------------- ----------------- --------------- ------------------- ---------------
     2,003,850,543     3,094,289,698     6,437,293,474   5,512,372,244         522,967,863     230,561,400
------------------ ----------------- ----------------- --------------- ------------------- ---------------
                44                39                35              38                  26              82
                --                --                --              --                  --              --
------------------ ----------------- ----------------- --------------- ------------------- ---------------
                44                39                35              38                  26              82
------------------ ----------------- ----------------- --------------- ------------------- ---------------
   $ 2,003,850,499   $ 3,094,289,659   $ 6,437,293,439 $ 5,512,372,206       $ 522,967,837   $ 230,561,318
================== ================= ================= =============== =================== ===============
   $ 2,003,568,498   $ 3,094,010,082   $ 6,435,936,935 $ 5,512,255,935       $ 522,897,689   $ 230,536,939
           282,001           279,577         1,356,504         116,271              70,148          24,379
------------------ ----------------- ----------------- --------------- ------------------- ---------------
   $ 2,003,850,499   $ 3,094,289,659   $ 6,437,293,439 $ 5,512,372,206       $ 522,967,837   $ 230,561,318
================== ================= ================= =============== =================== ===============

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

5                                                                               

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                           
                                                                                                           
                                      MIST LEGG MASON MIST MFS EMERGING MIST LOOMIS SAYLES                 
                                         VALUE EQUITY    MARKETS EQUITY     GLOBAL MARKETS MIST JANUS FORTY
                                          SUB-ACCOUNT       SUB-ACCOUNT        SUB-ACCOUNT      SUB-ACCOUNT
                                      --------------- ----------------- ------------------ ----------------
ASSETS:                                                                                                    
  Investments at fair value              $ 98,632,601     $ 365,169,280      $ 137,171,881     $ 53,356,815
  Accrued dividends                                --                --                 --               --
  Due from MetLife Investors                                                                               
     USA Insurance Company                         --                --                  2                2
                                      --------------- ----------------- ------------------ ----------------
       Total Assets                        98,632,601       365,169,280        137,171,883       53,356,817
                                      --------------- ----------------- ------------------ ----------------
LIABILITIES:                                                                                               
  Accrued fees                                     62                24                 38              131
  Due to MetLife Investors                                                                                 
     USA Insurance Company                         --                 1                 --               --
                                      --------------- ----------------- ------------------ ----------------
       Total Liabilities                           62                25                 38              131
                                      --------------- ----------------- ------------------ ----------------
NET ASSETS                               $ 98,632,539     $ 365,169,255      $ 137,171,845     $ 53,356,686
                                      =============== ================= ================== ================
CONTRACT OWNERS' EQUITY                                                                                    
  Net assets from accumulation units     $ 98,632,539     $ 365,169,255      $ 137,171,845     $ 53,356,686
  Net assets from contracts in payout              --                --                 --               --
                                      --------------- ----------------- ------------------ ----------------
       Total Net Assets                  $ 98,632,539     $ 365,169,255      $ 137,171,845     $ 53,356,686
                                      =============== ================= ================== ================

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

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                                                        [Enlarge/Download Table]
                                                                                                 
                                                                                                 
    MIST DREMAN                       MIST PIONEER MIST BLACKROCK MIST BLACKROCK     MIST RAINIER
SMALL CAP VALUE MIST PIONEER FUND STRATEGIC INCOME LARGE CAP CORE     HIGH YIELD LARGE CAP EQUITY
    SUB-ACCOUNT       SUB-ACCOUNT      SUB-ACCOUNT    SUB-ACCOUNT    SUB-ACCOUNT      SUB-ACCOUNT
--------------- ----------------- ---------------- -------------- -------------- ----------------
   $ 24,427,109     $ 112,914,817    $ 419,601,978    $ 9,613,686  $ 182,367,378     $ 45,894,129
             --                --               --             --             --               --
             --                --               --             --             --               --
--------------- ----------------- ---------------- -------------- -------------- ----------------
     24,427,109       112,914,817      419,601,978      9,613,686    182,367,378       45,894,129
--------------- ----------------- ---------------- -------------- -------------- ----------------
            130               148              111             94             68               35
              5                 3               --              4              7                3
--------------- ----------------- ---------------- -------------- -------------- ----------------
            135               151              111             98             75               38
--------------- ----------------- ---------------- -------------- -------------- ----------------
   $ 24,426,974     $ 112,914,666    $ 419,601,867    $ 9,613,588  $ 182,367,303     $ 45,894,091
=============== ================= ================ ============== ============== ================
   $ 24,426,974     $ 112,914,666    $ 419,601,867    $ 9,613,588  $ 182,360,822     $ 45,894,091
             --                --               --             --          6,481               --
--------------- ----------------- ---------------- -------------- -------------- ----------------
   $ 24,426,974     $ 112,914,666    $ 419,601,867    $ 9,613,588  $ 182,367,303     $ 45,894,091
=============== ================= ================ ============== ============== ================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                 
                                                                                                 
                                        MIST AMERICAN                               MIST AMERICAN
                                       FUNDS BALANCED MIST AMERICAN MIST AMERICAN    FUNDS GROWTH
                                           ALLOCATION    FUNDS BOND  FUNDS GROWTH      ALLOCATION
                                          SUB-ACCOUNT   SUB-ACCOUNT   SUB-ACCOUNT     SUB-ACCOUNT
                                      --------------- ------------- ------------- ---------------
ASSETS:                                                                                          
  Investments at fair value           $ 2,478,289,326 $ 274,791,820 $ 480,253,574 $ 1,454,861,055
  Accrued dividends                                --            --            --              --
  Due from MetLife Investors                                                                     
     USA Insurance Company                         --            --            --              --
                                      --------------- ------------- ------------- ---------------
       Total Assets                     2,478,289,326   274,791,820   480,253,574   1,454,861,055
                                      --------------- ------------- ------------- ---------------
LIABILITIES:                                                                                     
  Accrued fees                                      2            27            46              37
  Due to MetLife Investors                                                                       
     USA Insurance Company                         --             1             3               2
                                      --------------- ------------- ------------- ---------------
       Total Liabilities                            2            28            49              39
                                      --------------- ------------- ------------- ---------------
NET ASSETS                            $ 2,478,289,324 $ 274,791,792 $ 480,253,525 $ 1,454,861,016
                                      =============== ============= ============= ===============
CONTRACT OWNERS' EQUITY                                                                          
  Net assets from accumulation units  $ 2,478,289,324 $ 274,791,792 $ 480,253,525 $ 1,454,791,925
  Net assets from contracts in payout              --            --            --          69,091
                                      --------------- ------------- ------------- ---------------
       Total Net Assets               $ 2,478,289,324 $ 274,791,792 $ 480,253,525 $ 1,454,861,016
                                      =============== ============= ============= ===============

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

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                                                        [Enlarge/Download Table]
                                                                                                       
                                                                                                       
                      MIST AMERICAN                    MIST MET/FRANKLIN                               
      MIST AMERICAN  FUNDS MODERATE MIST MET/FRANKLIN TEMPLETON FOUNDING     MIST SSGA MIST SSGA GROWTH
FUNDS INTERNATIONAL      ALLOCATION     MUTUAL SHARES           STRATEGY    GROWTH ETF   AND INCOME ETF
        SUB-ACCOUNT     SUB-ACCOUNT       SUB-ACCOUNT        SUB-ACCOUNT   SUB-ACCOUNT      SUB-ACCOUNT
------------------- --------------- ----------------- ------------------ ------------- ----------------
      $ 301,922,176 $ 1,452,175,029     $ 121,115,890      $ 571,218,195 $ 325,453,383    $ 995,772,765
                 --              --                --                 --            --               --
                 --              --                --                 --            --               --
------------------- --------------- ----------------- ------------------ ------------- ----------------
        301,922,176   1,452,175,029       121,115,890        571,218,195   325,453,383      995,772,765
------------------- --------------- ----------------- ------------------ ------------- ----------------
                 23              26                53                 45            35               13
                  4              --                 2                  3             2               --
------------------- --------------- ----------------- ------------------ ------------- ----------------
                 27              26                55                 48            37               13
------------------- --------------- ----------------- ------------------ ------------- ----------------
      $ 301,922,149 $ 1,452,175,003     $ 121,115,835      $ 571,218,147 $ 325,453,346    $ 995,772,752
=================== =============== ================= ================== ============= ================
      $ 301,922,149 $ 1,452,125,720     $ 121,115,835      $ 571,201,870 $ 325,453,346    $ 995,772,752
                 --          49,283                --             16,277            --               --
------------------- --------------- ----------------- ------------------ ------------- ----------------
      $ 301,922,149 $ 1,452,175,003     $ 121,115,835      $ 571,218,147 $ 325,453,346    $ 995,772,752
=================== =============== ================= ================== ============= ================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                        
                                                                                                        
                                                                                       MIST             
                                      MIST MET/TEMPLETON MIST MET/TEMPLETON MET/EATON VANCE INVESCO V.I.
                                      INTERNATIONAL BOND             GROWTH   FLOATING RATE  CORE EQUITY
                                             SUB-ACCOUNT        SUB-ACCOUNT     SUB-ACCOUNT  SUB-ACCOUNT
                                      ------------------ ------------------ --------------- ------------
ASSETS:                                                                                                 
  Investments at fair value                 $ 36,302,482        $ 7,380,502    $ 16,334,410    $ 393,935
  Accrued dividends                                   --                 --              --           --
  Due from MetLife Investors                                                                            
     USA Insurance Company                            --                 --              --           --
                                      ------------------ ------------------ --------------- ------------
       Total Assets                           36,302,482          7,380,502      16,334,410      393,935
                                      ------------------ ------------------ --------------- ------------
LIABILITIES:                                                                                            
  Accrued fees                                        55                 92              91           --
  Due to MetLife Investors                                                                              
     USA Insurance Company                             2                  5               4            2
                                      ------------------ ------------------ --------------- ------------
       Total Liabilities                              57                 97              95            2
                                      ------------------ ------------------ --------------- ------------
NET ASSETS                                  $ 36,302,425        $ 7,380,405    $ 16,334,315    $ 393,933
                                      ================== ================== =============== ============
CONTRACT OWNERS' EQUITY                                                                                 
  Net assets from accumulation units        $ 36,302,425        $ 7,380,405    $ 16,334,315    $ 393,933
  Net assets from contracts in payout                 --                 --              --           --
                                      ------------------ ------------------ --------------- ------------
       Total Net Assets                     $ 36,302,425        $ 7,380,405    $ 16,334,315    $ 393,933
                                      ================== ================== =============== ============

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

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INVESCO V.I. CAPITAL         INVESCO V.I. INVESCO V.I. BASIC INVESCO V.I. GLOBAL   INVESCO V.I.      INVESCO V.I.
        APPRECIATION INTERNATIONAL GROWTH           BALANCED         REAL ESTATE CAPITAL GROWTH GROWTH AND INCOME
         SUB-ACCOUNT          SUB-ACCOUNT        SUB-ACCOUNT         SUB-ACCOUNT    SUB-ACCOUNT       SUB-ACCOUNT
-------------------- -------------------- ------------------ ------------------- -------------- -----------------
           $ 142,669        $ 111,888,074          $ 256,612         $ 9,028,155      $ 130,770     $ 160,437,290
                  --                   --                 --                  --             --                --
                  --                   --                 --                  --             --                --
-------------------- -------------------- ------------------ ------------------- -------------- -----------------
             142,669          111,888,074            256,612           9,028,155        130,770       160,437,290
-------------------- -------------------- ------------------ ------------------- -------------- -----------------
                  --                    1                 --                  18              5                 7
                   4                    8                  4                   3              1                 5
-------------------- -------------------- ------------------ ------------------- -------------- -----------------
                   4                    9                  4                  21              6                12
-------------------- -------------------- ------------------ ------------------- -------------- -----------------
           $ 142,665        $ 111,888,065          $ 256,608         $ 9,028,134      $ 130,764     $ 160,437,278
==================== ==================== ================== =================== ============== =================
           $ 142,665        $ 111,888,065          $ 256,608         $ 9,028,134      $ 130,764     $ 160,437,278
                  --                   --                 --                  --             --                --
-------------------- -------------------- ------------------ ------------------- -------------- -----------------
           $ 142,665        $ 111,888,065          $ 256,608         $ 9,028,134      $ 130,764     $ 160,437,278
==================== ==================== ================== =================== ============== =================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                      
                                                                                                      
                                           INVESCO V.I.       INVESCO V.I.     MFS VIT         MFS VIT
                                      EQUITY AND INCOME U.S. MID CAP VALUE    RESEARCH INVESTORS TRUST
                                            SUB-ACCOUNT        SUB-ACCOUNT SUB-ACCOUNT     SUB-ACCOUNT
                                      ----------------- ------------------ ----------- ---------------
ASSETS:                                                                                               
  Investments at fair value               $ 345,124,827       $ 28,139,059   $ 112,397        $ 43,412
  Accrued dividends                                  --                 --          --              --
  Due from MetLife Investors                                                                          
     USA Insurance Company                           --                 --          --              --
                                      ----------------- ------------------ ----------- ---------------
       Total Assets                         345,124,827         28,139,059     112,397          43,412
                                      ----------------- ------------------ ----------- ---------------
LIABILITIES:                                                                                          
  Accrued fees                                       --                 12           4               5
  Due to MetLife Investors                                                                            
     USA Insurance Company                           19                  3           5               3
                                      ----------------- ------------------ ----------- ---------------
       Total Liabilities                             19                 15           9               8
                                      ----------------- ------------------ ----------- ---------------
NET ASSETS                                $ 345,124,808       $ 28,139,044   $ 112,388        $ 43,404
                                      ================= ================== =========== ===============
CONTRACT OWNERS' EQUITY                                                                               
  Net assets from accumulation units      $ 345,124,808       $ 28,139,044   $ 112,388        $ 43,404
  Net assets from contracts in payout                --                 --          --              --
                                      ----------------- ------------------ ----------- ---------------
       Total Net Assets                   $ 345,124,808       $ 28,139,044   $ 112,388        $ 43,404
                                      ================= ================== =========== ===============

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

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                                                        [Enlarge/Download Table]
                                                                                          
                                                                                          
                                              OPPENHEIMER VA OPPENHEIMER VA               
      MFS VIT OPPENHEIMER VA OPPENHEIMER VA GLOBAL STRATEGIC    MAIN STREET OPPENHEIMER VA
NEW DISCOVERY    MAIN STREET      CORE BOND           INCOME      SMALL CAP          MONEY
  SUB-ACCOUNT    SUB-ACCOUNT    SUB-ACCOUNT      SUB-ACCOUNT    SUB-ACCOUNT    SUB-ACCOUNT
------------- -------------- -------------- ---------------- -------------- --------------
     $ 46,875      $ 119,258        $ 9,895          $ 4,107   $ 70,331,798      $ 116,314
           --             --             --               --             --             --
           --             --             --               --             --             --
------------- -------------- -------------- ---------------- -------------- --------------
       46,875        119,258          9,895            4,107     70,331,798        116,314
------------- -------------- -------------- ---------------- -------------- --------------
            7              5              7                4             10              4
            3              4              3                6             11             --
------------- -------------- -------------- ---------------- -------------- --------------
           10              9             10               10             21              4
------------- -------------- -------------- ---------------- -------------- --------------
     $ 46,865      $ 119,249        $ 9,885          $ 4,097   $ 70,331,777      $ 116,310
============= ============== ============== ================ ============== ==============
     $ 46,865      $ 119,249        $ 9,885          $ 4,097   $ 70,331,777      $ 116,310
           --             --             --               --             --             --
------------- -------------- -------------- ---------------- -------------- --------------
     $ 46,865      $ 119,249        $ 9,885          $ 4,097   $ 70,331,777      $ 116,310
============= ============== ============== ================ ============== ==============

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                            
                                                                                            
                                       FIDELITY VIP  FIDELITY VIP  FIDELITY VIP FIDELITY VIP
                                      ASSET MANAGER        GROWTH    CONTRAFUND     OVERSEAS
                                        SUB-ACCOUNT   SUB-ACCOUNT   SUB-ACCOUNT  SUB-ACCOUNT
                                      ------------- ------------- ------------- ------------
ASSETS:                                                                                     
  Investments at fair value           $ 101,784,904 $ 147,385,507 $ 379,741,654  $ 6,266,281
  Accrued dividends                              --            --            --           --
  Due from MetLife Investors                                                                
     USA Insurance Company                       --             5            --           --
                                      ------------- ------------- ------------- ------------
       Total Assets                     101,784,904   147,385,512   379,741,654    6,266,281
                                      ------------- ------------- ------------- ------------
LIABILITIES:                                                                                
  Accrued fees                                   10             8            58           --
  Due to MetLife Investors                                                                  
     USA Insurance Company                        5            --            --            5
                                      ------------- ------------- ------------- ------------
       Total Liabilities                         15             8            58            5
                                      ------------- ------------- ------------- ------------
NET ASSETS                            $ 101,784,889 $ 147,385,504 $ 379,741,596  $ 6,266,276
                                      ============= ============= ============= ============
CONTRACT OWNERS' EQUITY                                                                     
  Net assets from accumulation units  $ 101,784,889 $ 147,385,504 $ 379,741,596  $ 6,266,276
  Net assets from contracts in payout            --            --            --           --
                                      ------------- ------------- ------------- ------------
       Total Net Assets               $ 101,784,889 $ 147,385,504 $ 379,741,596  $ 6,266,276
                                      ============= ============= ============= ============

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

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                                                                [Download Table]
                                                                                    
                                                                                    
 FIDELITY VIP FIDELITY VIP FIDELITY VIP  FIDELITY VIP     FIDELITY VIP           DWS
EQUITY-INCOME    INDEX 500 MONEY MARKET       MID CAP FUNDSMANAGER 60% INTERNATIONAL
  SUB-ACCOUNT  SUB-ACCOUNT  SUB-ACCOUNT   SUB-ACCOUNT      SUB-ACCOUNT   SUB-ACCOUNT
------------- ------------ ------------ ------------- ---------------- -------------
  $ 6,350,751 $ 68,501,218 $ 67,343,848 $ 187,246,536  $ 1,176,598,694  $ 20,962,771
           --           --           --            --               --            --
           --           --           --             9               --            --
------------- ------------ ------------ ------------- ---------------- -------------
    6,350,751   68,501,218   67,343,848   187,246,545    1,176,598,694    20,962,771
------------- ------------ ------------ ------------- ---------------- -------------
           --           12            2             8               --            --
           --            4           13            --                7             8
------------- ------------ ------------ ------------- ---------------- -------------
           --           16           15             8                7             8
------------- ------------ ------------ ------------- ---------------- -------------
  $ 6,350,751 $ 68,501,202 $ 67,343,833 $ 187,246,537  $ 1,176,598,687  $ 20,962,763
============= ============ ============ ============= ================ =============
  $ 6,350,751 $ 68,501,202 $ 67,343,833 $ 187,246,537  $ 1,176,598,687  $ 20,962,763
           --           --           --            --               --            --
------------- ------------ ------------ ------------- ---------------- -------------
  $ 6,350,751 $ 68,501,202 $ 67,343,833 $ 187,246,537  $ 1,176,598,687  $ 20,962,763
============= ============ ============ ============= ================ =============

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                  
                                                                                                  
                                             MSF FI  MSF RUSSELL           MSF ARTIO   MSF METLIFE
                                      VALUE LEADERS   2000 INDEX INTERNATIONAL STOCK   STOCK INDEX
                                        SUB-ACCOUNT  SUB-ACCOUNT         SUB-ACCOUNT   SUB-ACCOUNT
                                      ------------- ------------ ------------------- -------------
ASSETS:                                                                                           
  Investments at fair value             $ 5,267,618 $ 46,792,859         $ 3,979,725 $ 343,187,104
  Accrued dividends                              --           --                  --            --
  Due from MetLife Investors                                                                      
     USA Insurance Company                        9           --                  --            15
                                      ------------- ------------ ------------------- -------------
       Total Assets                       5,267,627   46,792,859           3,979,725   343,187,119
                                      ------------- ------------ ------------------- -------------
LIABILITIES:                                                                                      
  Accrued fees                                   97           90                  19            43
  Due to MetLife Investors                                                                        
     USA Insurance Company                       --            6                   5            --
                                      ------------- ------------ ------------------- -------------
       Total Liabilities                         97           96                  24            43
                                      ------------- ------------ ------------------- -------------
NET ASSETS                              $ 5,267,530 $ 46,792,763         $ 3,979,701 $ 343,187,076
                                      ============= ============ =================== =============
CONTRACT OWNERS' EQUITY                                                                           
  Net assets from accumulation units    $ 5,267,530 $ 46,792,763         $ 3,979,701 $ 343,072,630
  Net assets from contracts in payout            --           --                  --       114,446
                                      ------------- ------------ ------------------- -------------
       Total Net Assets                 $ 5,267,530 $ 46,792,763         $ 3,979,701 $ 343,187,076
                                      ============= ============ =================== =============

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

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                                                        [Enlarge/Download Table]
                                                                                             
                                                                                             
   MSF BLACKROCK                                                   MSF BARCLAYS              
LEGACY LARGE CAP  MSF NEUBERGER MSF BLACKROCK   MSF BLACKROCK CAPITAL AGGREGATE              
          GROWTH BERMAN GENESIS   BOND INCOME LARGE CAP VALUE        BOND INDEX MSF MFS VALUE
     SUB-ACCOUNT    SUB-ACCOUNT   SUB-ACCOUNT     SUB-ACCOUNT       SUB-ACCOUNT   SUB-ACCOUNT
---------------- -------------- ------------- --------------- ----------------- -------------
     $ 9,563,318    $ 9,730,062  $ 47,336,223     $ 2,872,598      $ 86,675,015  $ 45,430,410
              --             --            --              --                --            --
              --             --            --              --                --            --
---------------- -------------- ------------- --------------- ----------------- -------------
       9,563,318      9,730,062    47,336,223       2,872,598        86,675,015    45,430,410
---------------- -------------- ------------- --------------- ----------------- -------------
             160              8            76              10                44           121
               3              5             2               3                 7             8
---------------- -------------- ------------- --------------- ----------------- -------------
             163             13            78              13                51           129
---------------- -------------- ------------- --------------- ----------------- -------------
     $ 9,563,155    $ 9,730,049  $ 47,336,145     $ 2,872,585      $ 86,674,964  $ 45,430,281
================ ============== ============= =============== ================= =============
     $ 9,563,155    $ 9,730,049  $ 47,330,231     $ 2,872,585      $ 86,674,964  $ 45,430,281
              --             --         5,914              --                --            --
---------------- -------------- ------------- --------------- ----------------- -------------
     $ 9,563,155    $ 9,730,049  $ 47,336,145     $ 2,872,585      $ 86,674,964  $ 45,430,281
================ ============== ============= =============== ================= =============

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                       
                                                                                                       
                                      MSF MORGAN STANLEY      MSF MFS         MSF METLIFE     MSF DAVIS
                                              EAFE INDEX TOTAL RETURN MID CAP STOCK INDEX VENTURE VALUE
                                             SUB-ACCOUNT  SUB-ACCOUNT         SUB-ACCOUNT   SUB-ACCOUNT
                                      ------------------ ------------ ------------------- -------------
ASSETS:                                                                                                
  Investments at fair value                 $ 58,834,738 $ 40,676,843        $ 59,472,998 $ 606,785,233
  Accrued dividends                                   --           --                  --            --
  Due from MetLife Investors                                                                           
     USA Insurance Company                            --           13                  --            18
                                      ------------------ ------------ ------------------- -------------
       Total Assets                           58,834,738   40,676,856          59,472,998   606,785,251
                                      ------------------ ------------ ------------------- -------------
LIABILITIES:                                                                                           
  Accrued fees                                        45          147                  57            51
  Due to MetLife Investors                                                                             
     USA Insurance Company                             4           --                   6            --
                                      ------------------ ------------ ------------------- -------------
       Total Liabilities                              49          147                  63            51
                                      ------------------ ------------ ------------------- -------------
NET ASSETS                                  $ 58,834,689 $ 40,676,709        $ 59,472,935 $ 606,785,200
                                      ================== ============ =================== =============
CONTRACT OWNERS' EQUITY                                                                                
  Net assets from accumulation units        $ 58,834,689 $ 40,676,709        $ 59,472,935 $ 606,499,383
  Net assets from contracts in payout                 --           --                  --       285,817
                                      ------------------ ------------ ------------------- -------------
       Total Net Assets                     $ 58,834,689 $ 40,676,709        $ 59,472,935 $ 606,785,200
                                      ================== ============ =================== =============

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

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                                                        [Enlarge/Download Table]
                                                                                               
                                                                                               
                                                              MSF WESTERN ASSET                
MSF MET/ARTISAN  MSF JENNISON MSF BLACKROCK MSF T. ROWE PRICE        MANAGEMENT MSF OPPENHEIMER
  MID CAP VALUE        GROWTH  MONEY MARKET  SMALL CAP GROWTH   U.S. GOVERNMENT   GLOBAL EQUITY
    SUB-ACCOUNT   SUB-ACCOUNT   SUB-ACCOUNT       SUB-ACCOUNT       SUB-ACCOUNT     SUB-ACCOUNT
--------------- ------------- ------------- ----------------- ----------------- ---------------
  $ 213,857,247 $ 243,817,724 $ 553,885,965       $ 8,285,684     $ 214,907,988    $ 11,272,181
             --            --             9                --                --              --
              2            --            29                --                 3              --
--------------- ------------- ------------- ----------------- ----------------- ---------------
    213,857,249   243,817,724   553,886,003         8,285,684       214,907,991      11,272,181
--------------- ------------- ------------- ----------------- ----------------- ---------------
             43            67           198                28                73              60
             --            --            --                 8                --               2
--------------- ------------- ------------- ----------------- ----------------- ---------------
             43            67           198                36                73              62
--------------- ------------- ------------- ----------------- ----------------- ---------------
  $ 213,857,206 $ 243,817,657 $ 553,885,805       $ 8,285,648     $ 214,907,918    $ 11,272,119
=============== ============= ============= ================= ================= ===============
  $ 213,729,557 $ 243,732,983 $ 553,773,459       $ 8,285,648     $ 214,883,750    $ 11,272,119
        127,649        84,674       112,346                --            24,168              --
--------------- ------------- ------------- ----------------- ----------------- ---------------
  $ 213,857,206 $ 243,817,657 $ 553,885,805       $ 8,285,648     $ 214,907,918    $ 11,272,119
=============== ============= ============= ================= ================= ===============

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                                
                                                                                                                
                                                             MSF METLIFE         MSF METLIFE                    
                                                MSF METLIFE CONSERVATIVE     CONSERVATIVE TO         MSF METLIFE
                                      AGGRESSIVE ALLOCATION   ALLOCATION MODERATE ALLOCATION MODERATE ALLOCATION
                                                SUB-ACCOUNT  SUB-ACCOUNT         SUB-ACCOUNT         SUB-ACCOUNT
                                      --------------------- ------------ ------------------- -------------------
ASSETS:                                                                                                         
  Investments at fair value                     $ 1,960,693  $ 9,998,215         $ 9,257,869        $ 48,715,886
  Accrued dividends                                      --           --                  --                  --
  Due from MetLife Investors                                                                                    
     USA Insurance Company                               --           --                   2                  --
                                      --------------------- ------------ ------------------- -------------------
       Total Assets                               1,960,693    9,998,215           9,257,871          48,715,886
                                      --------------------- ------------ ------------------- -------------------
LIABILITIES:                                                                                                    
  Accrued fees                                           43           23                  15                  23
  Due to MetLife Investors                                                                                      
     USA Insurance Company                                2            1                  --                   2
                                      --------------------- ------------ ------------------- -------------------
       Total Liabilities                                 45           24                  15                  25
                                      --------------------- ------------ ------------------- -------------------
NET ASSETS                                      $ 1,960,648  $ 9,998,191         $ 9,257,856        $ 48,715,861
                                      ===================== ============ =================== ===================
CONTRACT OWNERS' EQUITY                                                                                         
  Net assets from accumulation units            $ 1,960,648  $ 9,998,191         $ 9,257,856        $ 48,715,861
  Net assets from contracts in payout                    --           --                  --                  --
                                      --------------------- ------------ ------------------- -------------------
       Total Net Assets                         $ 1,960,648  $ 9,998,191         $ 9,257,856        $ 48,715,861
                                      ===================== ============ =================== ===================

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

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                                                        [Enlarge/Download Table]
                                                                                                          
                                                                                                          
          MSF METLIFE                                     MSF NEUBERGER MSF MET/DIMENSIONAL    MSF VAN ECK
          MODERATE TO MSF T. ROWE PRICE MSF LOOMIS SAYLES        BERMAN INTERNATIONAL SMALL GLOBAL NATURAL
AGGRESSIVE ALLOCATION  LARGE CAP GROWTH    SMALL CAP CORE MID CAP VALUE             COMPANY      RESOURCES
          SUB-ACCOUNT       SUB-ACCOUNT       SUB-ACCOUNT   SUB-ACCOUNT         SUB-ACCOUNT    SUB-ACCOUNT
--------------------- ----------------- ----------------- ------------- ------------------- --------------
         $ 57,766,999       $ 1,365,651       $ 7,224,138   $ 1,984,720        $ 35,750,292   $ 74,371,777
                   --                --                --            --                  --             --
                   --                --                17            --                  --             --
--------------------- ----------------- ----------------- ------------- ------------------- --------------
           57,766,999         1,365,651         7,224,155     1,984,720          35,750,292     74,371,777
--------------------- ----------------- ----------------- ------------- ------------------- --------------
                   22                 1                80            80                  54             53
                    1                 3                --             4                   2              1
--------------------- ----------------- ----------------- ------------- ------------------- --------------
                   23                 4                80            84                  56             54
--------------------- ----------------- ----------------- ------------- ------------------- --------------
         $ 57,766,976       $ 1,365,647       $ 7,224,075   $ 1,984,636        $ 35,750,236   $ 74,371,723
===================== ================= ================= ============= =================== ==============
         $ 57,766,976       $ 1,365,647       $ 7,224,075   $ 1,984,636        $ 35,750,236   $ 74,371,723
                   --                --                --            --                  --             --
--------------------- ----------------- ----------------- ------------- ------------------- --------------
         $ 57,766,976       $ 1,365,647       $ 7,224,075   $ 1,984,636        $ 35,750,236   $ 74,371,723
===================== ================= ================= ============= =================== ==============

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                       
                                                                                                       
                                           FEDERATED FEDERATED HIGH                                    
                                      CAPITAL INCOME    INCOME BOND FEDERATED KAUFMAN NEUBERGER GENESIS
                                         SUB-ACCOUNT    SUB-ACCOUNT       SUB-ACCOUNT       SUB-ACCOUNT
                                      -------------- -------------- ----------------- -----------------
ASSETS:                                                                                                
  Investments at fair value                 $ 13,868       $ 29,629          $ 79,875           $ 8,664
  Accrued dividends                               --             --                --                --
  Due from MetLife Investors                                                                           
     USA Insurance Company                        --             --                --                --
                                      -------------- -------------- ----------------- -----------------
       Total Assets                           13,868         29,629            79,875             8,664
                                      -------------- -------------- ----------------- -----------------
LIABILITIES:                                                                                           
  Accrued fees                                     9              5                --                 1
  Due to MetLife Investors                                                                             
     USA Insurance Company                         1              4                 1                --
                                      -------------- -------------- ----------------- -----------------
       Total Liabilities                          10              9                 1                 1
                                      -------------- -------------- ----------------- -----------------
NET ASSETS                                  $ 13,858       $ 29,620          $ 79,874           $ 8,663
                                      ============== ============== ================= =================
CONTRACT OWNERS' EQUITY                                                                                
  Net assets from accumulation units        $ 13,858       $ 29,620          $ 79,874           $ 8,663
  Net assets from contracts in payout             --             --                --                --
                                      -------------- -------------- ----------------- -----------------
       Total Net Assets                     $ 13,858       $ 29,620          $ 79,874           $ 8,663
                                      ============== ============== ================= =================

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

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                                                        [Enlarge/Download Table]
                                                                                           
                                                                                           
                                                                             AMERICAN FUNDS
           ALGER T. ROWE PRICE       T. ROWE PRICE T. ROWE PRICE JANUS ASPEN   GLOBAL SMALL
SMALL CAP GROWTH  GROWTH STOCK INTERNATIONAL STOCK PRIME RESERVE   WORLDWIDE CAPITALIZATION
     SUB-ACCOUNT   SUB-ACCOUNT         SUB-ACCOUNT   SUB-ACCOUNT SUB-ACCOUNT    SUB-ACCOUNT
---------------- ------------- ------------------- ------------- ----------- --------------
    $ 58,325,343   $ 7,170,861           $ 932,129   $ 1,264,580     $ 6,505   $ 80,582,940
              --            --                  --            --          --             --
              --            --                  --            38           1             --
---------------- ------------- ------------------- ------------- ----------- --------------
      58,325,343     7,170,861             932,129     1,264,618       6,506     80,582,940
---------------- ------------- ------------------- ------------- ----------- --------------
              --            --                  --            --          --             12
               1             3                   3            --          --              3
---------------- ------------- ------------------- ------------- ----------- --------------
               1             3                   3            --          --             15
---------------- ------------- ------------------- ------------- ----------- --------------
    $ 58,325,342   $ 7,170,858           $ 932,126   $ 1,264,618     $ 6,506   $ 80,582,925
================ ============= =================== ============= =========== ==============
    $ 58,325,342   $ 7,170,858           $ 932,126   $ 1,264,618     $ 6,506   $ 80,582,925
              --            --                  --            --          --             --
---------------- ------------- ------------------- ------------- ----------- --------------
    $ 58,325,342   $ 7,170,858           $ 932,126   $ 1,264,618     $ 6,506   $ 80,582,925
================ ============= =================== ============= =========== ==============

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                 
                                                                                                 
                                      AMERICAN FUNDS AMERICAN FUNDS AMERICAN FUNDS AMERICAN FUNDS
                                              GROWTH  GROWTH-INCOME  GLOBAL GROWTH           BOND
                                         SUB-ACCOUNT    SUB-ACCOUNT    SUB-ACCOUNT    SUB-ACCOUNT
                                      -------------- -------------- -------------- --------------
ASSETS:                                                                                          
  Investments at fair value            $ 568,813,972  $ 266,511,973  $ 202,441,704   $ 86,203,073
  Accrued dividends                               --             --             --             --
  Due from MetLife Investors                                                                     
     USA Insurance Company                        --             23              9             --
                                      -------------- -------------- -------------- --------------
       Total Assets                      568,813,972    266,511,996    202,441,713     86,203,073
                                      -------------- -------------- -------------- --------------
LIABILITIES:                                                                                     
  Accrued fees                                    41             45             64             18
  Due to MetLife Investors                                                                       
     USA Insurance Company                         7             --             --              3
                                      -------------- -------------- -------------- --------------
       Total Liabilities                          48             45             64             21
                                      -------------- -------------- -------------- --------------
NET ASSETS                             $ 568,813,924  $ 266,511,951  $ 202,441,649   $ 86,203,052
                                      ============== ============== ============== ==============
CONTRACT OWNERS' EQUITY                                                                          
  Net assets from accumulation units   $ 568,807,099  $ 266,501,729  $ 202,433,714   $ 86,195,290
  Net assets from contracts in payout          6,825         10,222          7,935          7,762
                                      -------------- -------------- -------------- --------------
       Total Net Assets                $ 568,813,924  $ 266,511,951  $ 202,441,649   $ 86,203,052
                                      ============== ============== ============== ==============

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

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                                                        [Enlarge/Download Table]
                                                                                                         
                                                                                                         
                                                                         FTVIPT TEMPLETON FTVIPT FRANKLIN
    FTVIPT MUTUAL   FTVIPT TEMPLETON  FTVIPT TEMPLETON   FTVIPT FRANKLIN      GLOBAL BOND SMALL CAP VALUE
SHARES SECURITIES FOREIGN SECURITIES GROWTH SECURITIES INCOME SECURITIES       SECURITIES      SECURITIES
      SUB-ACCOUNT        SUB-ACCOUNT       SUB-ACCOUNT       SUB-ACCOUNT      SUB-ACCOUNT     SUB-ACCOUNT
----------------- ------------------ ----------------- ----------------- ---------------- ---------------
    $ 110,507,154       $ 79,683,812      $ 45,199,230     $ 176,548,697     $ 88,294,185    $ 29,718,675
               --                 --                --                --               --              --
                1                 --                --                 2               --              --
----------------- ------------------ ----------------- ----------------- ---------------- ---------------
      110,507,155         79,683,812        45,199,230       176,548,699       88,294,185      29,718,675
----------------- ------------------ ----------------- ----------------- ---------------- ---------------
                9                 53                18                52                8              31
               --                 --                 1                --               --               1
----------------- ------------------ ----------------- ----------------- ---------------- ---------------
                9                 53                19                52                8              32
----------------- ------------------ ----------------- ----------------- ---------------- ---------------
    $ 110,507,146       $ 79,683,759      $ 45,199,211     $ 176,548,647     $ 88,294,177    $ 29,718,643
================= ================== ================= ================= ================ ===============
    $ 110,507,146       $ 79,683,759      $ 45,199,211     $ 176,544,664     $ 88,294,177    $ 29,718,643
               --                 --                --             3,983               --              --
----------------- ------------------ ----------------- ----------------- ---------------- ---------------
    $ 110,507,146       $ 79,683,759      $ 45,199,211     $ 176,548,647     $ 88,294,177    $ 29,718,643
================= ================== ================= ================= ================ ===============

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                    
                                                                                                    
                                                           PIONEER VCT  PIONEER VCT      PIONEER VCT
                                      UIF U.S. REAL ESTATE        BOND CULLEN VALUE EMERGING MARKETS
                                               SUB-ACCOUNT SUB-ACCOUNT  SUB-ACCOUNT      SUB-ACCOUNT
                                      -------------------- ----------- ------------ ----------------
ASSETS:                                                                                             
  Investments at fair value                   $ 68,963,657 $ 2,417,790  $ 2,192,928      $ 1,212,605
  Accrued dividends                                     --          --           --               --
  Due from MetLife Investors                                                                        
     USA Insurance Company                              --          --           --               --
                                      -------------------- ----------- ------------ ----------------
       Total Assets                             68,963,657   2,417,790    2,192,928        1,212,605
                                      -------------------- ----------- ------------ ----------------
LIABILITIES:                                                                                        
  Accrued fees                                           8          53           81               68
  Due to MetLife Investors                                                                          
     USA Insurance Company                               1           3            4               --
                                      -------------------- ----------- ------------ ----------------
       Total Liabilities                                 9          56           85               68
                                      -------------------- ----------- ------------ ----------------
NET ASSETS                                    $ 68,963,648 $ 2,417,734  $ 2,192,843      $ 1,212,537
                                      ==================== =========== ============ ================
CONTRACT OWNERS' EQUITY                                                                             
  Net assets from accumulation units          $ 68,963,648 $ 2,417,734  $ 2,192,843      $ 1,212,537
  Net assets from contracts in payout                   --          --           --               --
                                      -------------------- ----------- ------------ ----------------
       Total Net Assets                       $ 68,963,648 $ 2,417,734  $ 2,192,843      $ 1,212,537
                                      ==================== =========== ============ ================

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

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                                                        [Enlarge/Download Table]
                                                                                                  
                                                                                                  
  PIONEER VCT PIONEER VCT PIONEER VCT IBBOTSON PIONEER VCT IBBOTSON   PIONEER VCT PIONEER VCT REAL
EQUITY INCOME        FUND    GROWTH ALLOCATION  MODERATE ALLOCATION MID CAP VALUE    ESTATE SHARES
  SUB-ACCOUNT SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT   SUB-ACCOUNT      SUB-ACCOUNT
------------- ----------- -------------------- -------------------- ------------- ----------------
    $ 375,831   $ 261,768         $ 19,386,446         $ 27,517,094  $ 46,621,868        $ 234,270
           --          --                   --                   --            --               --
           --          --                   --                   --             2               --
------------- ----------- -------------------- -------------------- ------------- ----------------
      375,831     261,768           19,386,446           27,517,094    46,621,870          234,270
------------- ----------- -------------------- -------------------- ------------- ----------------
           75          61                   25                   27            52               56
            2           2                   --                    1            --                6
------------- ----------- -------------------- -------------------- ------------- ----------------
           77          63                   25                   28            52               62
------------- ----------- -------------------- -------------------- ------------- ----------------
    $ 375,754   $ 261,705         $ 19,386,421         $ 27,517,066  $ 46,621,818        $ 234,208
============= =========== ==================== ==================== ============= ================
    $ 375,754   $ 261,705         $ 19,386,421         $ 27,517,066  $ 46,621,818        $ 234,208
           --          --                   --                   --            --               --
------------- ----------- -------------------- -------------------- ------------- ----------------
    $ 375,754   $ 261,705         $ 19,386,421         $ 27,517,066  $ 46,621,818        $ 234,208
============= =========== ==================== ==================== ============= ================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                                         
                                                                                                                         
                                                                                              LMPVET                     
                                                    LMPVET               LMPVET CLEARBRIDGE VARIABLE               LMPVET
                                      CLEARBRIDGE VARIABLE CLEARBRIDGE VARIABLE  FUNDAMENTAL ALL CAP CLEARBRIDGE VARIABLE
                                          SMALL CAP GROWTH      LARGE CAP VALUE                VALUE         APPRECIATION
                                               SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT
                                      -------------------- -------------------- -------------------- --------------------
ASSETS:                                                                                                                  
  Investments at fair value                   $ 33,662,856          $ 2,729,866         $ 99,528,276        $ 173,626,561
  Accrued dividends                                     --                   --                   --                   --
  Due from MetLife Investors                                                                                             
     USA Insurance Company                              --                   --                    9                    6
                                      -------------------- -------------------- -------------------- --------------------
       Total Assets                             33,662,856            2,729,866           99,528,285          173,626,567
                                      -------------------- -------------------- -------------------- --------------------
LIABILITIES:                                                                                                             
  Accrued fees                                          49                   70                   52                   64
  Due to MetLife Investors                                                                                               
     USA Insurance Company                               3                   --                   --                   --
                                      -------------------- -------------------- -------------------- --------------------
       Total Liabilities                                52                   70                   52                   64
                                      -------------------- -------------------- -------------------- --------------------
NET ASSETS                                    $ 33,662,804          $ 2,729,796         $ 99,528,233        $ 173,626,503
                                      ==================== ==================== ==================== ====================
CONTRACT OWNERS' EQUITY                                                                                                  
  Net assets from accumulation units          $ 33,662,804          $ 2,729,796         $ 99,528,233        $ 173,626,503
  Net assets from contracts in payout                   --                   --                   --                   --
                                      -------------------- -------------------- -------------------- --------------------
       Total Net Assets                       $ 33,662,804          $ 2,729,796         $ 99,528,233        $ 173,626,503
                                      ==================== ==================== ==================== ====================

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

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                                                        [Enlarge/Download Table]
                                                                                                              
                                                                                                              
                                                                     LMPVET                             LMPVET
              LMPVET               LMPVET LMPVET INVESTMENT     CLEARBRIDGE           LMPVET       CLEARBRIDGE
CLEARBRIDGE VARIABLE CLEARBRIDGE VARIABLE  COUNSEL VARIABLE VARIABLE EQUITY      CLEARBRIDGE VARIABLE DIVIDEND
   AGGRESSIVE GROWTH     LARGE CAP GROWTH  SOCIAL AWARENESS  INCOME BUILDER VARIABLE CAPITAL          STRATEGY
         SUB-ACCOUNT          SUB-ACCOUNT       SUB-ACCOUNT     SUB-ACCOUNT      SUB-ACCOUNT       SUB-ACCOUNT
-------------------- -------------------- ----------------- --------------- ---------------- -----------------
       $ 156,472,030          $ 6,065,569         $ 510,704    $ 81,006,947      $ 5,296,229       $ 5,852,312
                  --                   --                --              --               --                --
                   4                   --                --              --               --                --
-------------------- -------------------- ----------------- --------------- ---------------- -----------------
         156,472,034            6,065,569           510,704      81,006,947        5,296,229         5,852,312
-------------------- -------------------- ----------------- --------------- ---------------- -----------------
                 116                   36                22              31               89                45
                  --                   --                 2               3                1                --
-------------------- -------------------- ----------------- --------------- ---------------- -----------------
                 116                   36                24              34               90                45
-------------------- -------------------- ----------------- --------------- ---------------- -----------------
       $ 156,471,918          $ 6,065,533         $ 510,680    $ 81,006,913      $ 5,296,139       $ 5,852,267
==================== ==================== ================= =============== ================ =================
       $ 156,471,918          $ 6,065,533         $ 510,680    $ 81,006,913      $ 5,296,139       $ 5,852,267
                  --                   --                --              --               --                --
-------------------- -------------------- ----------------- --------------- ---------------- -----------------
       $ 156,471,918          $ 6,065,533         $ 510,680    $ 81,006,913      $ 5,296,139       $ 5,852,267
==================== ==================== ================= =============== ================ =================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF ASSETS AND LIABILITIES -- (CONCLUDED)                             
DECEMBER 31, 2010                                                               

                                                        [Enlarge/Download Table]
                                                                                                              
                                                                                                              
                                                                                                LMPVIT WESTERN
                                                  LMPVET             LMPVET             LMPVET  ASSET VARIABLE
                                      VARIABLE LIFESTYLE VARIABLE LIFESTYLE VARIABLE LIFESTYLE ADJUSTABLE RATE
                                          ALLOCATION 50%     ALLOCATION 70%     ALLOCATION 85%          INCOME
                                             SUB-ACCOUNT        SUB-ACCOUNT        SUB-ACCOUNT     SUB-ACCOUNT
                                      ------------------ ------------------ ------------------ ---------------
ASSETS:                                                                                                       
  Investments at fair value                 $ 13,086,849        $ 3,395,304       $ 62,035,174     $ 2,150,005
  Accrued dividends                                   --                 --                 --              --
  Due from MetLife Investors                                                                                  
     USA Insurance Company                            --                 --                 --              --
                                      ------------------ ------------------ ------------------ ---------------
       Total Assets                           13,086,849          3,395,304         62,035,174       2,150,005
                                      ------------------ ------------------ ------------------ ---------------
LIABILITIES:                                                                                                  
  Accrued fees                                        23                 15                 25              59
  Due to MetLife Investors                                                                                    
     USA Insurance Company                             3                  2                 --               3
                                      ------------------ ------------------ ------------------ ---------------
       Total Liabilities                              26                 17                 25              62
                                      ------------------ ------------------ ------------------ ---------------
NET ASSETS                                  $ 13,086,823        $ 3,395,287       $ 62,035,149     $ 2,149,943
                                      ================== ================== ================== ===============
CONTRACT OWNERS' EQUITY                                                                                       
  Net assets from accumulation units        $ 13,086,823        $ 3,395,287       $ 62,035,149     $ 2,149,943
  Net assets from contracts in payout                 --                 --                 --              --
                                      ------------------ ------------------ ------------------ ---------------
       Total Net Assets                     $ 13,086,823        $ 3,395,287       $ 62,035,149     $ 2,149,943
                                      ================== ================== ================== ===============

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

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                                                                [Download Table]
                     
                     
       LMPVIT WESTERN
ASSET VARIABLE GLOBAL
      HIGH YIELD BOND
          SUB-ACCOUNT
---------------------
         $ 61,092,548
                   --
                   --
---------------------
           61,092,548
---------------------
                   40
                    1
---------------------
                   41
---------------------
         $ 61,092,507
=====================
         $ 61,092,507
                   --
---------------------
         $ 61,092,507
=====================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS                                                        
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                           
                                                                                                                           
                                            MIST LORD ABBETT    MIST LORD ABBETT MIST MORGAN STANLEY    MIST LORD ABBETT   
                                           GROWTH AND INCOME      BOND DEBENTURE      MID CAP GROWTH       MID CAP VALUE   
                                                 SUB-ACCOUNT         SUB-ACCOUNT         SUB-ACCOUNT         SUB-ACCOUNT   
                                           -------------------- ---------------- ---------------------- -------------------
INVESTMENT INCOME:                                                                                                         
     Dividends                                   $ 5,643,879        $ 15,690,405             $ 3,573           $ 437,013   
                                           -------------------- ---------------- ---------------------- -------------------
EXPENSES:                                                                                                                  
     Mortality and expense risk and                                                                                        
        other charges                              6,968,797           3,517,149             865,981           1,108,641   
     Administrative charges                          854,716             611,591             162,101             197,686   
                                           -------------------- ---------------- ---------------------- -------------------
        Total expenses                             7,823,513           4,128,740           1,028,082           1,306,327   
                                           -------------------- ---------------- ---------------------- -------------------
           Net investment income (loss)           (2,179,634)         11,561,665          (1,024,509)           (869,314)  
                                           -------------------- ---------------- ---------------------- -------------------
NET REALIZED AND CHANGE IN                                                                                                 
  UNREALIZED GAINS (LOSSES) ON                                                                                             
  INVESTMENTS:                                                                                                             
     Realized gain distributions                          --                  --                  --                  --   
     Realized gains (losses) on sale of                                                                                    
        investments                              (11,738,174)            655,266             249,855             114,776   
                                           -------------------- ---------------- ---------------------- -------------------
           Net realized gains (losses)           (11,738,174)            655,266             249,855             114,776   
                                           -------------------- ---------------- ---------------------- -------------------
     Change in unrealized gains (losses)                                                                                   
        on investments                            88,503,005          14,381,461          19,404,837          19,290,624   
                                           -------------------- ---------------- ---------------------- -------------------
     Net realized and change in                                                                                            
        unrealized gains (losses) on                                                                                       
        investments                               76,764,831          15,036,727          19,654,692          19,405,400   
                                           -------------------- ---------------- ---------------------- -------------------
     Net increase (decrease) in net assets                                                                                 
        resulting from operations               $ 74,585,197        $ 26,598,392        $ 18,630,183        $ 18,536,086   
                                           ==================== ================ ====================== ===================

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 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 LEGG MASON   
          MIST        MIST INVESCO    HARRIS OAKMARK    MIST THIRD AVENUE        MIST OPPENHEIMER          CLEARBRIDGE   
LAZARD MID CAP    SMALL CAP GROWTH     INTERNATIONAL      SMALL CAP VALUE    CAPITAL APPRECIATION    AGGRESSIVE GROWTH   
   SUB-ACCOUNT         SUB-ACCOUNT       SUB-ACCOUNT          SUB-ACCOUNT             SUB-ACCOUNT          SUB-ACCOUNT   
----------------- ------------------- ----------------- -------------------- ----------------------- --------------------
     $ 970,198                $ --       $ 6,578,513          $ 3,246,967               $ 860,244                 $ --   
----------------- ------------------- ----------------- -------------------- ----------------------- --------------------
     1,581,304           2,088,857         4,975,791            3,817,999               2,562,064            1,129,229   
       280,768             379,708           900,567              675,252                 449,279              203,621   
----------------- ------------------- ----------------- -------------------- ----------------------- --------------------
     1,862,072           2,468,565         5,876,358            4,493,251               3,011,343            1,332,850   
----------------- ------------------- ----------------- -------------------- ----------------------- --------------------
      (891,874)         (2,468,565)          702,155           (1,246,284)             (2,151,099)          (1,332,850)  
----------------- ------------------- ----------------- -------------------- ----------------------- --------------------
            --                  --                --                   --                      --                   --   
    (1,471,607)           (466,657)       (2,155,945)            (801,208)             (9,290,928)            (927,201)  
----------------- ------------------- ----------------- -------------------- ----------------------- --------------------
    (1,471,607)           (466,657)       (2,155,945)            (801,208)             (9,290,928)            (927,201)  
----------------- ------------------- ----------------- -------------------- ----------------------- --------------------
    24,676,618          37,724,319        54,275,769           51,293,976              25,130,998           19,271,527   
----------------- ------------------- ----------------- -------------------- ----------------------- --------------------
    23,205,011          37,257,662        52,119,824           50,492,768              15,840,070           18,344,326   
----------------- ------------------- ----------------- -------------------- ----------------------- --------------------
  $ 22,313,137        $ 34,789,097      $ 52,821,979         $ 49,246,484            $ 13,688,971         $ 17,011,476   
================= =================== ================= ==================== ======================= ====================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                     
                                                                                                                     
                                                                                           MIST                      
                                                         MIST           MIST    PIMCO INFLATION MIST T. ROWE PRICE   
                                           PIMCO TOTAL RETURN RCM TECHNOLOGY     PROTECTED BOND     MID CAP GROWTH   
                                                  SUB-ACCOUNT    SUB-ACCOUNT        SUB-ACCOUNT        SUB-ACCOUNT   
                                           ------------------ ----------------- --------------- ---------------------
INVESTMENT INCOME:                                                                                                   
     Dividends                                   $ 46,367,361           $ --       $ 13,193,376               $ --   
                                           ------------------ ----------------- --------------- ---------------------
EXPENSES:                                                                                                            
     Mortality and expense risk and                                                                                  
        other charges                              19,692,134      1,167,712          8,137,298          4,182,931   
     Administrative charges                         3,457,755        205,448          1,480,461            769,953   
                                           ------------------ ----------------- --------------- ---------------------
        Total expenses                             23,149,889      1,373,160          9,617,759          4,952,884   
                                           ------------------ ----------------- --------------- ---------------------
           Net investment income (loss) .          23,217,472     (1,373,160)         3,575,617         (4,952,884)  
                                           ------------------ ----------------- --------------- ---------------------
NET REALIZED AND CHANGE IN                                                                                           
  UNREALIZED GAINS (LOSSES) ON                                                                                       
  INVESTMENTS:                                                                                                       
     Realized gain distributions                    6,980,097             --         14,738,610                 --   
     Realized gains (losses) on sale of                                                                              
        investments                                 4,490,439       (256,411)           494,168          1,190,797   
                                           ------------------ ----------------- --------------- ---------------------
           Net realized gains (losses)             11,470,536       (256,411)        15,232,778          1,190,797   
                                           ------------------ ----------------- --------------- ---------------------
     Change in unrealized gains (losses)                                                                             
        on investments                             43,519,330     22,084,395         12,409,725         79,898,499   
                                           ------------------ ----------------- --------------- ---------------------
     Net realized and change in                                                                                      
        unrealized gains (losses) on                                                                                 
        investments                                54,989,866     21,827,984         27,642,503         81,089,296   
                                           ------------------ ----------------- --------------- ---------------------
     Net increase (decrease) in net assets                                                                           
        resulting from operations                $ 78,207,338   $ 20,454,824       $ 31,218,120       $ 76,136,412   
                                           ================== ================= =============== =====================

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 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 RESEARCH          MIST CLARION       MIST TURNER    MIST GOLDMAN SACHS          MIST METLIFE      MIST METLIFE   
    INTERNATIONAL    GLOBAL REAL ESTATE    MID CAP GROWTH         MID CAP VALUE    DEFENSIVE STRATEGY MODERATE STRATEGY   
      SUB-ACCOUNT           SUB-ACCOUNT       SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT       SUB-ACCOUNT   
-------------------- --------------------- ----------------- --------------------- ------------------ --------------------
      $ 4,813,823           $ 8,621,931              $ --             $ 776,261          $ 52,596,961      $ 63,131,562   
-------------------- --------------------- ----------------- --------------------- ------------------ --------------------
        3,910,498             1,566,831           890,643             1,178,263            23,609,255        34,897,769   
          683,925               277,429           161,578               209,733             4,312,497         6,405,875   
-------------------- --------------------- ----------------- --------------------- ------------------ --------------------
        4,594,423             1,844,260         1,052,221             1,387,996            27,921,752        41,303,644   
-------------------- --------------------- ----------------- --------------------- ------------------ --------------------
          219,400             6,777,671        (1,052,221)             (611,735)           24,675,209        21,827,918   
-------------------- --------------------- ----------------- --------------------- ------------------ --------------------
               --                    --                --                    --                    --                --   
       (4,301,992)           (1,407,595)         (238,041)           (1,042,195)            6,974,977        (1,300,604)  
-------------------- --------------------- ----------------- --------------------- ------------------ --------------------
       (4,301,992)           (1,407,595)         (238,041)           (1,042,195)            6,974,977        (1,300,604)  
-------------------- --------------------- ----------------- --------------------- ------------------ --------------------
       32,018,558            10,898,100        16,851,840            20,162,482           129,661,482       249,479,440   
-------------------- --------------------- ----------------- --------------------- ------------------ --------------------
       27,716,566             9,490,505        16,613,799            19,120,287           136,636,459       248,178,836   
-------------------- --------------------- ----------------- --------------------- ------------------ --------------------
     $ 27,935,966          $ 16,268,176      $ 15,561,578          $ 18,508,552         $ 161,311,668     $ 270,006,754   
==================== ===================== ================= ===================== ================== ====================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                          
                                                                                                                          
                                              MIST METLIFE       MIST METLIFE           MIST METLIFE    MIST VAN KAMPEN   
                                         BALANCED STRATEGY    GROWTH STRATEGY    AGGRESSIVE STRATEGY           COMSTOCK   
                                               SUB-ACCOUNT        SUB-ACCOUNT            SUB-ACCOUNT        SUB-ACCOUNT   
                                         -------------------- ------------------ ---------------------- ------------------
INVESTMENT INCOME:                                                                                                        
     Dividends                               $ 110,826,665       $ 86,553,771            $ 5,184,796        $ 2,704,547   
                                         -------------------- ------------------ ---------------------- ------------------
EXPENSES:                                                                                                                 
     Mortality and expense risk and                                                                                       
        other charges                           73,519,240         69,758,061              6,073,887          2,358,184   
     Administrative charges                     13,484,203         12,642,115              1,101,195            466,089   
                                         -------------------- ------------------ ---------------------- ------------------
        Total expenses                          87,003,443         82,400,176              7,175,082          2,824,273   
                                         -------------------- ------------------ ---------------------- ------------------
           Net investment income (loss)         23,823,222          4,153,595             (1,990,286)          (119,726)  
                                         -------------------- ------------------ ---------------------- ------------------
NET REALIZED AND CHANGE IN                                                                                                
  UNREALIZED GAINS (LOSSES) ON                                                                                            
  INVESTMENTS:                                                                                                            
     Realized gain distributions                        --                 --                     --                 --   
     Realized gains (losses) on sale of                                                                                   
        investments                             (8,304,795)       (69,645,465)            (7,464,595)           104,490   
                                         -------------------- ------------------ ---------------------- ------------------
           Net realized gains (losses)          (8,304,795)       (69,645,465)            (7,464,595)           104,490   
                                         -------------------- ------------------ ---------------------- ------------------
     Change in unrealized gains (losses)                                                                                  
        on investments                         615,445,203        719,869,373             73,777,886         25,565,625   
                                         -------------------- ------------------ ---------------------- ------------------
     Net realized and change in                                                                                           
        unrealized gains (losses) on                                                                                      
        investments                            607,140,408        650,223,908             66,313,291         25,670,115   
                                         -------------------- ------------------ ---------------------- ------------------
     Net increase (decrease) in net assets                                                                                
        resulting from operations            $ 630,963,630      $ 654,377,503           $ 64,323,005       $ 25,550,389   
                                         ==================== ================== ====================== ==================

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                                         
                                                                                                                         
MIST LEGG MASON    MIST MFS EMERGING    MIST LOOMIS SAYLES                            MIST DREMAN                        
   VALUE EQUITY       MARKETS EQUITY        GLOBAL MARKETS    MIST JANUS FORTY    SMALL CAP VALUE    MIST PIONEER FUND   
    SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT        SUB-ACCOUNT          SUB-ACCOUNT   
------------------ -------------------- --------------------- ------------------- ------------------ --------------------
    $ 1,636,661          $ 2,454,734           $ 2,851,732           $ 400,074          $ 173,916            $ 597,414   
------------------ -------------------- --------------------- ------------------- ------------------ --------------------
      1,076,544            3,384,656             1,306,557             457,057            324,564              884,475   
        212,110              629,018               238,315              76,843             52,757              191,808   
------------------ -------------------- --------------------- ------------------- ------------------ --------------------
      1,288,654            4,013,674             1,544,872             533,900            377,321            1,076,283   
------------------ -------------------- --------------------- ------------------- ------------------ --------------------
        348,007           (1,558,940)            1,306,860            (133,826)          (203,405)            (478,869)  
------------------ -------------------- --------------------- ------------------- ------------------ --------------------
             --                   --                    --                  --                 --                   --   
     (1,107,947)             184,674              (479,440)             36,628            154,017               88,907   
------------------ -------------------- --------------------- ------------------- ------------------ --------------------
     (1,107,947)             184,674              (479,440)             36,628            154,017               88,907   
------------------ -------------------- --------------------- ------------------- ------------------ --------------------
      6,128,692           57,796,915            17,346,226           3,912,856          3,630,265           13,686,623   
------------------ -------------------- --------------------- ------------------- ------------------ --------------------
      5,020,745           57,981,589            16,866,786           3,949,484          3,784,282           13,775,530   
------------------ -------------------- --------------------- ------------------- ------------------ --------------------
    $ 5,368,752         $ 56,422,649          $ 18,173,646         $ 3,815,658        $ 3,580,877         $ 13,296,661   
================== ==================== ===================== =================== ================== ====================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                              
                                                                                                              
                                             MIST PIONEER  MIST BLACKROCK   MIST BLACKROCK      MIST RAINIER  
                                         STRATEGIC INCOME  LARGE CAP CORE       HIGH YIELD  LARGE CAP EQUITY  
                                              SUB-ACCOUNT     SUB-ACCOUNT      SUB-ACCOUNT       SUB-ACCOUNT  
                                         ---------------- ----------------- -------------- -------------------
INVESTMENT INCOME:                                                                                            
     Dividends                               $ 14,959,933       $ 78,389       $ 7,845,720        $ 148,311   
                                         ---------------- ----------------- -------------- -------------------
EXPENSES:                                                                                                     
     Mortality and expense risk and                                                                           
        other charges                           3,772,866        112,540         1,835,629          478,137   
     Administrative charges                       815,014         18,372           332,807           88,933   
                                         ---------------- ----------------- -------------- -------------------
        Total expenses                          4,587,880        130,912         2,168,436          567,070   
                                         ---------------- ----------------- -------------- -------------------
           Net investment income (loss)        10,372,053        (52,523)        5,677,284         (418,759)  
                                         ---------------- ----------------- -------------- -------------------
NET REALIZED AND CHANGE IN                                                                                    
  UNREALIZED GAINS (LOSSES) ON                                                                                
  INVESTMENTS:                                                                                                
     Realized gain distributions                       --             --                --               --   
     Realized gains (losses) on sale of                                                                       
        investments                               393,452        (80,252)        7,521,614         (368,008)  
                                         ---------------- ----------------- -------------- -------------------
           Net realized gains (losses)            393,452        (80,252)        7,521,614         (368,008)  
                                         ---------------- ----------------- -------------- -------------------
     Change in unrealized gains (losses)                                                                      
        on investments                         20,915,857      1,037,963         4,162,987        5,878,677   
                                         ---------------- ----------------- -------------- -------------------
     Net realized and change in                                                                               
        unrealized gains (losses) on                                                                          
        investments                            21,309,309        957,711        11,684,601        5,510,669   
                                         ---------------- ----------------- -------------- -------------------
     Net increase (decrease) in net                                                                           
        assets resulting from                                                                                 
        operations                           $ 31,681,362      $ 905,188      $ 17,361,885      $ 5,091,910   
                                         ================ ================= ============== ===================

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 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                                          MIST   
     AMERICAN FUNDS    MIST AMERICAN MIST AMERICAN       AMERICAN FUNDS          MIST AMERICAN         AMERICAN FUNDS   
BALANCED ALLOCATION       FUNDS BOND  FUNDS GROWTH    GROWTH ALLOCATION    FUNDS INTERNATIONAL    MODERATE ALLOCATION   
        SUB-ACCOUNT      SUB-ACCOUNT   SUB-ACCOUNT          SUB-ACCOUNT            SUB-ACCOUNT            SUB-ACCOUNT   
---------------------- ------------- ---------------- -------------------- ---------------------- ----------------------
       $ 18,372,356      $ 3,357,479     $ 687,245         $ 11,242,182            $ 1,717,496           $ 15,677,866   
---------------------- ------------- ---------------- -------------------- ---------------------- ----------------------
         23,794,232        2,722,486     4,440,968           16,743,242              2,992,082             14,640,050   
          4,518,203          512,001       838,762            3,147,967                564,002              2,784,642   
---------------------- ------------- ---------------- -------------------- ---------------------- ----------------------
         28,312,435        3,234,487     5,279,730           19,891,209              3,556,084             17,424,692   
---------------------- ------------- ---------------- -------------------- ---------------------- ----------------------
         (9,940,079)         122,992    (4,592,485)          (8,649,027)            (1,838,588)            (1,746,826)  
---------------------- ------------- ---------------- -------------------- ---------------------- ----------------------
            788,317               --            --                   --                539,861                     --   
            643,121          228,924       791,765            4,410,087                 50,263                442,079   
---------------------- ------------- ---------------- -------------------- ---------------------- ----------------------
          1,431,438          228,924       791,765            4,410,087                590,124                442,079   
---------------------- ------------- ---------------- -------------------- ---------------------- ----------------------
        218,397,822        6,583,360    65,409,390          148,410,760             18,687,175             99,071,297   
---------------------- ------------- ---------------- -------------------- ---------------------- ----------------------
        219,829,260        6,812,284    66,201,155          152,820,847             19,277,299             99,513,376   
---------------------- ------------- ---------------- -------------------- ---------------------- ----------------------
      $ 209,889,181      $ 6,935,276  $ 61,608,670        $ 144,171,820           $ 17,438,711           $ 97,766,550   
====================== ============= ================ ==================== ====================== ======================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                           
                                                                                                                           
                                                                MIST MET/FRANKLIN                                          
                                           MIST MET/FRANKLIN            TEMPLETON               MIST    MIST SSGA GROWTH   
                                               MUTUAL SHARES    FOUNDING STRATEGY    SSGA GROWTH ETF      AND INCOME ETF   
                                                 SUB-ACCOUNT          SUB-ACCOUNT        SUB-ACCOUNT         SUB-ACCOUNT   
                                           -------------------- -------------------- ------------------ -------------------
INVESTMENT INCOME:                                                                                                         
     Dividends                                          $ --                 $ --        $ 3,099,949         $ 6,242,372   
                                           -------------------- -------------------- ------------------ -------------------
EXPENSES:                                                                                                                  
     Mortality and expense risk and                                                                                        
        other charges                              1,174,695            6,436,768          3,003,480           7,603,705   
     Administrative charges                          215,815            1,210,060            572,201           1,476,216   
                                           -------------------- -------------------- ------------------ -------------------
        Total expenses                             1,390,510            7,646,828          3,575,681           9,079,921   
                                           -------------------- -------------------- ------------------ -------------------
           Net investment income (loss)           (1,390,510)          (7,646,828)          (475,732)         (2,837,549)  
                                           -------------------- -------------------- ------------------ -------------------
NET REALIZED AND CHANGE IN                                                                                                 
  UNREALIZED GAINS (LOSSES) ON                                                                                             
  INVESTMENTS:                                                                                                             
     Realized gain distributions                     977,279                1,673                 --              21,792   
     Realized gains (losses) on sale of                                                                                    
        investments                                  289,269            2,431,013          1,702,495             111,747   
                                           -------------------- -------------------- ------------------ -------------------
           Net realized gains (losses)             1,266,548            2,432,686          1,702,495             133,539   
                                           -------------------- -------------------- ------------------ -------------------
     Change in unrealized gains (losses)                                                                                   
        on investments                             9,275,276           46,152,780         29,566,077          78,303,612   
                                           -------------------- -------------------- ------------------ -------------------
     Net realized and change in                                                                                            
        unrealized gains (losses) on                                                                                       
        investments                               10,541,824           48,585,466         31,268,572          78,437,151   
                                           -------------------- -------------------- ------------------ -------------------
     Net increase (decrease) in net assets                                                                                 
        resulting from operations                $ 9,151,314         $ 40,938,638       $ 30,792,840        $ 75,599,602   
                                           ==================== ==================== ================== ===================

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 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/TEMPLETON    MIST MET/TEMPLETON    MET/EATON VANCE       INVESCO V.I.            INVESCO V.I.            INVESCO V.I.
INTERNATIONAL BOND                GROWTH      FLOATING RATE        CORE EQUITY    CAPITAL APPRECIATION    INTERNATIONAL GROWTH
       SUB-ACCOUNT       SUB-ACCOUNT (a)    SUB-ACCOUNT (a)        SUB-ACCOUNT             SUB-ACCOUNT             SUB-ACCOUNT
--------------------- --------------------- ------------------ ------------------ ----------------------- --------------------
         $ 100,003                  $ --               $ --            $ 3,627                 $ 1,023             $ 1,692,607
--------------------- --------------------- ------------------ ------------------ ----------------------- --------------------
           254,009                43,400             57,886              5,351                   1,974                 920,733
            48,511                 9,447             10,593                 --                      --                 209,399
--------------------- --------------------- ------------------ ------------------ ----------------------- --------------------
           302,520                52,847             68,479              5,351                   1,974               1,130,132
--------------------- --------------------- ------------------ ------------------ ----------------------- --------------------
          (202,517)              (52,847)           (68,479)            (1,724)                   (951)                562,475
--------------------- --------------------- ------------------ ------------------ ----------------------- --------------------
             4,897                    --                 --                 --                      --                      --
            39,391                (6,335)             3,564                604                  (6,842)                 41,708
--------------------- --------------------- ------------------ ------------------ ----------------------- --------------------
            44,288                (6,335)             3,564                604                  (6,842)                 41,708
--------------------- --------------------- ------------------ ------------------ ----------------------- --------------------
         2,042,343               499,282            384,248             31,231                  26,623              10,609,535
--------------------- --------------------- ------------------ ------------------ ----------------------- --------------------
         2,086,631               492,947            387,812             31,835                  19,781              10,651,243
--------------------- --------------------- ------------------ ------------------ ----------------------- --------------------
       $ 1,884,114             $ 440,100          $ 319,333           $ 30,111                $ 18,830            $ 11,213,718
===================== ===================== ================== ================== ======================= ====================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                        
                                                                                                                        
                                           INVESCO V.I.          INVESCO V.I.       INVESCO V.I.         INVESCO V.I.   
                                         BASIC BALANCED    GLOBAL REAL ESTATE     CAPITAL GROWTH    GROWTH AND INCOME   
                                            SUB-ACCOUNT           SUB-ACCOUNT        SUB-ACCOUNT          SUB-ACCOUNT   
                                         ----------------- --------------------- ------------------ --------------------
INVESTMENT INCOME:                                                                                                      
     Dividends                                  $ 4,894             $ 344,779               $ --            $ 116,453   
                                         ----------------- --------------------- ------------------ --------------------
EXPENSES:                                                                                                               
     Mortality and expense risk and                                                                                     
        other charges                             3,546                67,022              1,663            1,463,211   
     Administrative charges                          --                15,490                 --              318,528   
                                         ----------------- --------------------- ------------------ --------------------
        Total expenses                            3,546                82,512              1,663            1,781,739   
                                         ----------------- --------------------- ------------------ --------------------
           Net investment income (loss)           1,348               262,267             (1,663)          (1,665,286)  
                                         ----------------- --------------------- ------------------ --------------------
NET REALIZED AND CHANGE IN                                                                                              
  UNREALIZED GAINS (LOSSES) ON                                                                                          
  INVESTMENTS:                                                                                                          
     Realized gain distributions                     --                    --                 --                   --   
     Realized gains (losses) on sale of                                                                                 
        investments                              (6,291)              (35,497)              (661)               5,754   
                                         ----------------- --------------------- ------------------ --------------------
           Net realized gains (losses)           (6,291)              (35,497)              (661)               5,754   
                                         ----------------- --------------------- ------------------ --------------------
     Change in unrealized gains (losses)                                                                                
        on investments                           20,472               795,938             22,436           16,781,592   
                                         ----------------- --------------------- ------------------ --------------------
     Net realized and change in                                                                                         
        unrealized gains (losses) on                                                                                    
        investments                              14,181               760,441             21,775           16,787,346   
                                         ----------------- --------------------- ------------------ --------------------
     Net increase (decrease) in net                                                                                     
        assets resulting from                                                                                           
        operations                             $ 15,529           $ 1,022,708           $ 20,112         $ 15,122,060   
                                         ================= ===================== ================== ====================

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                                    
                                                                                                                    
     INVESCO V.I.          INVESCO V.I.                                MFS VIT          MFS VIT    OPPENHEIMER VA   
EQUITY AND INCOME    U.S. MID CAP VALUE    MFS VIT RESEARCH    INVESTORS TRUST    NEW DISCOVERY       MAIN STREET   
      SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT        SUB-ACCOUNT      SUB-ACCOUNT       SUB-ACCOUNT   
-------------------- --------------------- ------------------- ------------------ ---------------- -----------------
      $ 5,516,602             $ 163,190             $ 1,008              $ 623             $ --           $ 1,266   
-------------------- --------------------- ------------------- ------------------ ---------------- -----------------
        3,370,920               224,109               1,539                668              676             1,599   
          716,876                51,177                  --                 --               --                --   
-------------------- --------------------- ------------------- ------------------ ---------------- -----------------
        4,087,796               275,286               1,539                668              676             1,599   
-------------------- --------------------- ------------------- ------------------ ---------------- -----------------
        1,428,806              (112,096)               (531)               (45)            (676)             (333)  
-------------------- --------------------- ------------------- ------------------ ---------------- -----------------
               --                    --                  --                 --               --                --   
         (177,941)               20,908               1,434               (490)           1,723            (1,607)  
-------------------- --------------------- ------------------- ------------------ ---------------- -----------------
         (177,941)               20,908               1,434               (490)           1,723            (1,607)  
-------------------- --------------------- ------------------- ------------------ ---------------- -----------------
       29,567,980             4,289,045              14,248              3,782           13,838            17,514   
-------------------- --------------------- ------------------- ------------------ ---------------- -----------------
       29,390,039             4,309,953              15,682              3,292           15,561            15,907   
-------------------- --------------------- ------------------- ------------------ ---------------- -----------------
     $ 30,818,845           $ 4,197,857            $ 15,151            $ 3,247         $ 14,885          $ 15,574   
==================== ===================== =================== ================== ================ =================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                  
                                                                                                                  
                                                             OPPENHEIMER VA    OPPENHEIMER VA                     
                                         OPPENHEIMER VA    GLOBAL                 MAIN STREET    OPPENHEIMER VA   
                                              CORE BOND    STRATEGIC INCOME         SMALL CAP             MONEY   
                                            SUB-ACCOUNT         SUB-ACCOUNT       SUB-ACCOUNT       SUB-ACCOUNT   
                                         ----------------- ------------------- ----------------- -----------------
INVESTMENT INCOME:                                                                                                
     Dividends                                  $ 1,102             $ 1,289         $ 202,291              $ 33   
                                         ----------------- ------------------- ----------------- -----------------
EXPENSES:                                                                                                         
     Mortality and expense risk and                                                                               
        other charges                               321                 111           599,989             1,638   
     Administrative charges                          --                  --           136,018                --   
                                         ----------------- ------ ------------ ----------------- -----------------
        Total expenses                              321                 111           736,007             1,638   
                                         ----------------- ------ ------------ ----------------- -----------------
           Net investment income (loss)             781               1,178          (533,716)           (1,605)  
                                         ----------------- ------ ------------ ----------------- -----------------
NET REALIZED AND CHANGE IN                                                                                        
  UNREALIZED GAINS (LOSSES) ON                                                                                    
  INVESTMENTS:                                                                                                    
     Realized gain distributions                     --                  --                --                --   
     Realized gains (losses) on sale of                                                                           
        investments                             (25,321)                610           126,865                --   
                                         ----------------- ------ ------------ ----------------- -----------------
           Net realized gains (losses)          (25,321)                610           126,865                --   
                                         ----------------- ------ ------------ ----------------- -----------------
     Change in unrealized gains                                                                                   
        (losses) on investments                  27,071                (781)       12,065,565                --   
                                         ----------------- ------ ------------ ----------------- -----------------
     Net realized and change in                                                                                   
        unrealized gains (losses) on                                                                              
        investments                               1,750                (171)       12,192,430                --   
                                         ----------------- ------ ------------ ----------------- -----------------
     Net increase (decrease) in net                                                                               
        assets resulting from operations        $ 2,531             $ 1,007      $ 11,658,714          $ (1,605)  
                                         ================= =================== ================= =================

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 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                           FIDELITY VIP    FIDELITY VIP     FIDELITY VIP    FIDELITY VIP   
ASSET MANAGER    FIDELITY VIP GROWTH      CONTRAFUND        OVERSEAS    EQUITY-INCOME       INDEX 500   
  SUB-ACCOUNT            SUB-ACCOUNT     SUB-ACCOUNT     SUB-ACCOUNT      SUB-ACCOUNT     SUB-ACCOUNT   
---------------- ---------------------- --------------- --------------- ---------------- ---------------
  $ 1,646,613              $ 364,788     $ 4,104,352        $ 81,021        $ 108,132     $ 1,244,942   
---------------- ---------------------- --------------- --------------- ---------------- ---------------
    1,343,397              1,770,852       4,188,624          73,506           86,692         895,367   
           --                     --         266,646              --               --              --   
---------------- ---------------------- --------------- --------------- ---------------- ---------------
    1,343,397              1,770,852       4,455,270          73,506           86,692         895,367   
---------------- ---------------------- --------------- --------------- ---------------- ---------------
      303,216             (1,406,064)       (350,918)          7,515           21,440         349,575   
---------------- ---------------------- --------------- --------------- ---------------- ---------------
      495,586                444,877         156,928          11,048               --       1,309,895   
   (1,832,730)            (2,480,503)     (2,974,189)       (221,613)        (368,831)       (562,748)  
---------------- ---------------------- --------------- --------------- ---------------- ---------------
   (1,337,144)            (2,035,626)     (2,817,261)       (210,565)        (368,831)        747,147   
---------------- ---------------------- --------------- --------------- ---------------- ---------------
   12,924,187             30,948,642      54,045,265         839,726        1,122,280       7,212,312   
---------------- ---------------------- --------------- --------------- ---------------- ---------------
   11,587,043             28,913,016      51,228,004         629,161          753,449       7,959,459   
---------------- ---------------------- --------------- --------------- ---------------- ---------------
 $ 11,890,259           $ 27,506,952    $ 50,877,086       $ 636,676        $ 774,889     $ 8,309,034   
================ ====================== =============== =============== ================ ===============

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                 
                                                                                                                 
                                         FIDELITY VIP    FIDELITY VIP        FIDELITY VIP                        
                                         MONEY MARKET         MID CAP    FUNDSMANAGER 60%    DWS INTERNATIONAL   
                                          SUB-ACCOUNT     SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT   
                                         --------------- --------------- ------------------- --------------------
INVESTMENT INCOME:                                                                                               
     Dividends                              $ 134,396       $ 199,606        $ 13,983,999            $ 451,586   
                                         --------------- --------------- ------------------- --------------------
EXPENSES:                                                                                                        
     Mortality and expense risk and                                                                              
        other charges                       1,360,574       1,597,268          10,083,678              280,052   
     Administrative charges                        --         347,186                  --                   --   
                                         --------------- --------------- ------------------- --------------------
        Total expenses                      1,360,574       1,944,454          10,083,678              280,052   
                                         --------------- --------------- ------------------- --------------------
           Net investment income (loss)    (1,226,178)     (1,744,848)          3,900,321              171,534   
                                         --------------- --------------- ------------------- --------------------
NET REALIZED AND CHANGE IN                                                                                       
  UNREALIZED GAINS (LOSSES) ON                                                                                   
  INVESTMENTS:                                                                                                   
     Realized gain distributions               49,334         455,071           2,447,200                   --   
     Realized gains (losses) on sale of                                                                          
        investments                                --         103,083                 (39)            (987,076)  
                                         --------------- --------------- ------------------- --------------------
           Net realized gains (losses)         49,334         558,154           2,447,161             (987,076)  
                                         --------------- --------------- ------------------- --------------------
     Change in unrealized gains (losses)                                                                         
        on investments                             --      36,279,089          84,722,208              751,044   
                                         --------------- --------------- ------------------- --------------------
     Net realized and change in                                                                                  
        unrealized gains (losses) on                                                                             
        investments                            49,334      36,837,243          87,169,369             (236,032)  
                                         --------------- --------------- ------------------- --------------------
     Net increase (decrease) in net                                                                              
        assets resulting from                                                                                    
        operations                       $ (1,176,844)   $ 35,092,395        $ 91,069,690            $ (64,498)  
                                         =============== =============== =================== ====================

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                                          
                                                                                                                          
                                                                                                  MSF                     
       MSF FI                   MSF              MSF ARTIO                    MSF    BLACKROCK LEGACY     MSF NEUBERGER   
VALUE LEADERS    RUSSELL 2000 INDEX    INTERNATIONAL STOCK    METLIFE STOCK INDEX    LARGE CAP GROWTH    BERMAN GENESIS   
  SUB-ACCOUNT           SUB-ACCOUNT            SUB-ACCOUNT            SUB-ACCOUNT         SUB-ACCOUNT       SUB-ACCOUNT   
---------------- --------------------- ---------------------- ---------------------- ------------------- -----------------
     $ 64,800             $ 209,210               $ 53,310            $ 4,839,782            $ 19,080          $ 44,464   
---------------- --------------------- ---------------------- ---------------------- ------------------- -----------------
       68,962               360,453                 52,236              4,555,306             118,795           116,346   
       11,230                47,697                  8,934                605,619              17,832                --   
---------------- --------------------- ---------------------- ---------------------- ------------------- -----------------
       80,192               408,150                 61,170              5,160,925             136,627           116,346   
---------------- --------------------- ---------------------- ---------------------- ------------------- -----------------
      (15,392)             (198,940)                (7,860)              (321,143)           (117,547)          (71,882)  
---------------- --------------------- ---------------------- ---------------------- ------------------- -----------------
           --                    --                     --                     --                  --                --   
     (191,128)               84,268               (397,491)            (1,255,570)            313,167          (650,477)  
---------------- --------------------- ---------------------- ---------------------- ------------------- -----------------
     (191,128)               84,268               (397,491)            (1,255,570)            313,167          (650,477)  
---------------- --------------------- ---------------------- ---------------------- ------------------- -----------------
      775,693             7,422,690                580,114             38,151,546           1,246,529         2,336,728   
---------------- --------------------- ---------------------- ---------------------- ------------------- -----------------
      584,565             7,506,958                182,623             36,895,976           1,559,696         1,686,251   
---------------- --------------------- ---------------------- ---------------------- ------------------- -----------------
    $ 569,173           $ 7,308,018              $ 174,763           $ 36,574,833         $ 1,442,149       $ 1,614,369   
================ ===================== ====================== ====================== =================== =================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                            
                                                                                                            
                                                                               MSF BARCLAYS                 
                                         MSF BLACKROCK   MSF BLACKROCK    CAPITAL AGGREGATE                 
                                           BOND INCOME LARGE CAP VALUE           BOND INDEX MSF MFS VALUE   
                                           SUB-ACCOUNT     SUB-ACCOUNT          SUB-ACCOUNT   SUB-ACCOUNT   
                                         ------------- ------------------ ----------------- ----------------
INVESTMENT INCOME:                                                                                          
     Dividends                             $ 1,751,737        $ 29,633          $ 1,434,714     $ 494,843   
                                         ------------- ------------------ ----------------- ----------------
EXPENSES:                                                                                                   
     Mortality and expense risk and                                                                         
        other charges                          705,244          36,597              716,275       550,962   
     Administrative charges                    100,257              --              113,414        79,817   
                                         ------------- ------------------ ----------------- ----------------
        Total expenses                         805,501          36,597              829,689       630,779   
                                         ------------- ------------------ ----------------- ----------------
           Net investment income (loss)        946,236          (6,964)             605,025      (135,936)  
                                         ------------- ------------------ ----------------- ----------------
NET REALIZED AND CHANGE IN                                                                                  
  UNREALIZED GAINS (LOSSES) ON                                                                              
  INVESTMENTS:                                                                                              
     Realized gain distributions                    --              --                   --            --   
     Realized gains (losses) on sale of                                                                     
        investments                             88,985        (131,394)             114,537      (310,701)  
                                         ------------- ------------------ ----------------- ----------------
           Net realized gains (losses)          88,985        (131,394)             114,537      (310,701)  
                                         ------------- ------------------ ----------------- ----------------
     Change in unrealized gains (losses)                                                                    
        on investments                       1,711,245         334,187              572,374     4,411,295   
                                         ------------- ------------------ ----------------- ----------------
     Net realized and change in                                                                             
        unrealized gains (losses) on                                                                        
        investments                          1,800,230         202,793              686,911     4,100,594   
                                         ------------- ------------------ ----------------- ----------------
     Net increase (decrease) in net                                                                         
        assets resulting from                                                                               
        operations                         $ 2,746,466       $ 195,829          $ 1,291,936   $ 3,964,658   
                                         ============= ================== ================= ================

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                                             
                                                                                                                             
MSF MORGAN STANLEY                 MSF            MSF METLIFE                    MSF    MSF MET/ARTISAN                MSF   
        EAFE INDEX    MFS TOTAL RETURN    MID CAP STOCK INDEX    DAVIS VENTURE VALUE      MID CAP VALUE    JENNISON GROWTH   
       SUB-ACCOUNT         SUB-ACCOUNT            SUB-ACCOUNT            SUB-ACCOUNT        SUB-ACCOUNT        SUB-ACCOUNT   
--------------------- ------------------- ---------------------- ---------------------- ------------------ ------------------
         $ 874,978         $ 1,152,885              $ 288,957            $ 4,527,614        $ 1,169,554          $ 790,490   
--------------------- ------------------- ---------------------- ---------------------- ------------------ ------------------
           515,433             558,086                501,223              7,105,757          2,726,334          2,831,285   
            58,946              73,364                 47,949              1,269,306            459,561            513,132   
--------------------- ------------------- ---------------------- ---------------------- ------------------ ------------------
           574,379             631,450                549,172              8,375,063          3,185,895          3,344,417   
--------------------- ------------------- ---------------------- ---------------------- ------------------ ------------------
           300,599             521,435               (260,215)            (3,847,449)        (2,016,341)        (2,553,927)  
--------------------- ------------------- ---------------------- ---------------------- ------------------ ------------------
                --                  --                 41,056                     --                 --                 --   
          (373,439)           (860,808)               (55,246)               724,558         (8,689,096)           113,415   
--------------------- ------------------- ---------------------- ---------------------- ------------------ ------------------
          (373,439)           (860,808)               (14,190)               724,558         (8,689,096)           113,415   
--------------------- ------------------- ---------------------- ---------------------- ------------------ ------------------
         3,884,414           3,449,400              9,587,123             57,763,744         35,137,677         23,243,885   
--------------------- ------------------- ---------------------- ---------------------- ------------------ ------------------
         3,510,975           2,588,592              9,572,933             58,488,302         26,448,581         23,357,300   
--------------------- ------------------- ---------------------- ---------------------- ------------------ ------------------
       $ 3,811,574         $ 3,110,027            $ 9,312,718           $ 54,640,853       $ 24,432,240       $ 20,803,373   
===================== =================== ====================== ====================== ================== ==================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                    
                                                                                                                    
                                                                                MSF WESTERN ASSET                   
                                          MSF BLACKROCK    MSF T. ROWE PRICE           MANAGEMENT MSF OPPENHEIMER   
                                           MONEY MARKET     SMALL CAP GROWTH      U.S. GOVERNMENT   GLOBAL EQUITY   
                                            SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT     SUB-ACCOUNT   
                                          ---------------- -------------------- ----------------- ------------------
INVESTMENT INCOME:                                                                                                  
     Dividends                                     $ 90                 $ --          $ 4,079,194       $ 143,488   
                                         ----------------- -------------------- ----------------- ------------------
EXPENSES:                                                                                                           
     Mortality and expense risk and                                                                                 
        other charges                         8,033,137               98,188            2,309,048         129,562   
     Administrative charges                   1,467,554               11,927              455,669          26,693   
                                          ---------------- -------------------- ----------------- ------------------
        Total expenses                        9,500,691              110,115            2,764,717         156,255   
                                          ---------------- -------------------- ----------------- ------------------
           Net investment income (loss)      (9,500,601)            (110,115)           1,314,477         (12,767)  
                                          ---------------- -------------------- ----------------- ------------------
NET REALIZED AND CHANGE IN                                                                                          
  UNREALIZED GAINS (LOSSES) ON                                                                                      
  INVESTMENTS:                                                                                                      
     Realized gain distributions                     --                   --              467,468              --   
     Realized gains (losses) on sale of                                                                             
        investments                                  --              262,986              226,514        (121,999)  
                                          ---------------- -------------------- ----------------- ------------------
           Net realized gains (losses)               --              262,986              693,982        (121,999)  
                                          ---------------- -------------------- ----------------- ------------------
     Change in unrealized gains (losses)                                                                            
        on investments                               --            1,841,343            3,670,982       1,598,724   
                                          ---------------- -------------------- ----------------- ------------------
     Net realized and change in                                                                                     
        unrealized gains (losses) on                                                                                
        investments                                  --            2,104,329            4,364,964       1,476,725   
                                          ---------------- -------------------- ----------------- ------------------
     Net increase (decrease) in net                                                                                 
        assets resulting from operations   $ (9,500,601)         $ 1,994,214          $ 5,679,441     $ 1,463,958   
                                         ================= ==================== ================= ==================

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                                              
                                                                                                                              
                          MSF METLIFE         MSF METLIFE                                  MSF METLIFE                        
          MSF METLIFE    CONSERVATIVE     CONSERVATIVE TO         MSF METLIFE              MODERATE TO    MSF T. ROWE PRICE   
AGGRESSIVE ALLOCATION      ALLOCATION MODERATE ALLOCATION MODERATE ALLOCATION    AGGRESSIVE ALLOCATION     LARGE CAP GROWTH   
          SUB-ACCOUNT     SUB-ACCOUNT         SUB-ACCOUNT         SUB-ACCOUNT              SUB-ACCOUNT          SUB-ACCOUNT   
------------------------ ------------ ------------------- ---------------------- ------------------------ --------------------
             $ 19,517       $ 474,067           $ 288,649         $ 1,153,011              $ 1,142,281                $ 768   
------------------------ ------------ ------------------- ---------------------- ------------------------ --------------------
               27,606         169,084             128,632             675,468                  789,404               15,747   
                4,622          29,215              21,315             113,947                  133,515                2,901   
------------------------ ------------ ------------------- ---------------------- ------------------------ --------------------
               32,228         198,299             149,947             789,415                  922,919               18,648   
------------------------ ------------ ------------------- ---------------------- ------------------------ --------------------
              (12,711)        275,768             138,702             363,596                  219,362              (17,880)  
------------------------ ------------ ------------------- ---------------------- ------------------------ --------------------
                   --              --                  --                  --                       --                   --   
              (45,643)        354,562             107,507            (281,593)                (651,563)               4,288   
------------------------ ------------ ------------------- ---------------------- ------------------------ --------------------
              (45,643)        354,562             107,507            (281,593)                (651,563)               4,288   
------------------------ ------------ ------------------- ---------------------- ------------------------ --------------------
              292,785         307,150             548,177           4,846,286                6,983,802              174,952   
------------------------ ------------ ------------------- ---------------------- ------------------------ --------------------
              247,142         661,712             655,684           4,564,693                6,332,239              179,240   
------------------------ ------------ ------------------- ---------------------- ------------------------ --------------------
            $ 234,431       $ 937,480           $ 794,386         $ 4,928,289              $ 6,551,601            $ 161,360   
======================== ============ =================== ====================== ======================== ====================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                         
                                                                                                                         
                                                                MSF NEUBERGER    MSF MET/DIMENSIONAL       MSF VAN ECK   
                                           MSF LOOMIS SAYLES           BERMAN    INTERNATIONAL SMALL    GLOBAL NATURAL   
                                              SMALL CAP CORE    MID CAP VALUE                COMPANY         RESOURCES   
                                                 SUB-ACCOUNT      SUB-ACCOUNT            SUB-ACCOUNT       SUB-ACCOUNT   
                                           -------------------- ---------------- ---------------------- -----------------
INVESTMENT INCOME:                                                                                                       
     Dividends                                          $ --          $ 1,534              $ 314,235          $ 97,524   
                                           -------------------- ---------------- ---------------------- -----------------
EXPENSES:                                                                                                                
     Mortality and expense risk and                                                                                      
        other charges                                 57,031           10,028                327,987           514,805   
     Administrative charges                            9,594            1,760                 60,349            97,321   
                                           -------------------- ---------------- ---------------------- -----------------
        Total expenses                                66,625           11,788                388,336           612,126   
                                           -------------------- ---------------- ---------------------- -----------------
           Net investment income (loss)              (66,625)         (10,254)               (74,101)         (514,602)  
                                           -------------------- ---------------- ---------------------- -----------------
NET REALIZED AND CHANGE IN                                                                                               
  UNREALIZED GAINS (LOSSES) ON                                                                                           
  INVESTMENTS:                                                                                                           
     Realized gain distributions                          --               --              1,195,267         2,087,390   
     Realized gains (losses) on sale of                                                                                  
        investments                                   52,849           14,391                245,227            13,045   
                                           -------------------- ---------------- ---------------------- -----------------
           Net realized gains (losses)                52,849           14,391              1,440,494         2,100,435   
                                           -------------------- ---------------- ---------------------- -----------------
     Change in unrealized gains (losses)                                                                                 
        on investments                             1,146,011          277,374              4,020,489        12,805,750   
                                           -------------------- ---------------- ---------------------- -----------------
     Net realized and change in                                                                                          
        unrealized gains (losses) on                                                                                     
        investments                                1,198,860          291,765              5,460,983        14,906,185   
                                           -------------------- ---------------- ---------------------- -----------------
     Net increase (decrease) in net assets                                                                               
        resulting from operations                $ 1,132,235        $ 281,511            $ 5,386,882      $ 14,391,583   
                                           ==================== ================ ====================== =================

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                                   
                                                                                                                   
      FEDERATED    FEDERATED HIGH                                                         ALGER    T. ROWE PRICE   
 CAPITAL INCOME       INCOME BOND    FEDERATED KAUFMAN    NEUBERGER GENESIS    SMALL CAP GROWTH     GROWTH STOCK   
SUB-ACCOUNT (b)       SUB-ACCOUNT      SUB-ACCOUNT (b)          SUB-ACCOUNT         SUB-ACCOUNT      SUB-ACCOUNT   
------------------ ----------------- -------------------- -------------------- ------------------- ----------------
           $ 36           $ 2,201                 $ --                 $ --                $ --          $ 3,832   
------------------ ----------------- -------------------- -------------------- ------------------- ----------------
            175               389                  834                   79             711,530           59,850   
             --                --                   --                   --                  --               --   
------------------ ----------------- -------------------- -------------------- ------------------- ----------------
            175               389                  834                   79             711,530           59,850   
------------------ ----------------- -------------------- -------------------- ------------------- ----------------
           (139)            1,812                 (834)                 (79)           (711,530)         (56,018)  
------------------ ----------------- -------------------- -------------------- ------------------- ----------------
             --                --                   --                   --                  --               --   
            (39)              (31)                 (21)                 463            (350,422)          12,135   
------------------ ----------------- -------------------- -------------------- ------------------- ----------------
            (39)              (31)                 (21)                 463            (350,422)          12,135   
------------------ ----------------- -------------------- -------------------- ------------------- ----------------
          1,123             1,676               10,091                1,309          12,464,995        1,033,917   
------------------ ----------------- -------------------- -------------------- ------------------- ----------------
          1,084             1,645               10,070                1,772          12,114,573        1,046,052   
------------------ ----------------- -------------------- -------------------- ------------------- ----------------
          $ 945           $ 3,457              $ 9,236              $ 1,693        $ 11,403,043        $ 990,034   
================== ================= ==================== ==================== =================== ================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                   
                                                                                                                   
                                                                                                  AMERICAN FUNDS   
                                                 T. ROWE PRICE    T. ROWE PRICE    JANUS ASPEN      GLOBAL SMALL   
                                           INTERNATIONAL STOCK    PRIME RESERVE      WORLDWIDE    CAPITALIZATION   
                                                   SUB-ACCOUNT      SUB-ACCOUNT    SUB-ACCOUNT       SUB-ACCOUNT   
                                           ---------------------- ---------------- -------------- -----------------
INVESTMENT INCOME:                                                                                                 
     Dividends                                         $ 9,678            $ 168           $ 36       $ 1,162,008   
                                           ---------------------- ---------------- -------------- -----------------
EXPENSES:                                                                                                          
     Mortality and expense risk and                                                                                
        other charges                                    7,620           12,351             51           786,513   
     Administrative charges                                 --               --             --           113,358   
                                           ---------------------- ---------------- -------------- -----------------
        Total expenses                                   7,620           12,351             51           899,871   
                                           ---------------------- ---------------- -------------- -----------------
           Net investment income (loss)                  2,058          (12,183)           (15)          262,137   
                                           ---------------------- ---------------- -------------- -----------------
NET REALIZED AND CHANGE IN                                                                                         
  UNREALIZED GAINS (LOSSES) ON                                                                                     
  INVESTMENTS:                                                                                                     
     Realized gain distributions                         2,581               --             --                --   
     Realized gains (losses) on sale of                                                                            
        investments                                     (8,280)              --             51          (620,368)  
                                           ---------------------- ---------------- -------------- -----------------
           Net realized gains (losses)                  (5,699)              --             51          (620,368)  
                                           ---------------------- ---------------- -------------- -----------------
     Change in unrealized gains (losses)                                                                           
        on investments                                 114,449               --            785        13,607,870   
                                           ---------------------- ---------------- -------------- -----------------
     Net realized and change in                                                                                    
        unrealized gains (losses) on                                                                               
        investments                                    108,750               --            836        12,987,502   
                                           ---------------------- ---------------- -------------- -----------------
     Net increase (decrease) in net assets                                                                         
        resulting from operations                    $ 110,808        $ (12,183)         $ 821      $ 13,249,639   
                                           ====================== ================ ============== =================

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                               
                                                                                                               
AMERICAN FUNDS    AMERICAN FUNDS    AMERICAN FUNDS    AMERICAN FUNDS     FTVIPT MUTUAL      FTVIPT TEMPLETON   
        GROWTH     GROWTH-INCOME     GLOBAL GROWTH              BOND SHARES SECURITIES    FOREIGN SECURITIES   
   SUB-ACCOUNT       SUB-ACCOUNT       SUB-ACCOUNT       SUB-ACCOUNT       SUB-ACCOUNT           SUB-ACCOUNT   
----------------- ----------------- ----------------- -------------- -------------------- ---------------------
   $ 3,623,277       $ 3,623,812       $ 2,711,542       $ 2,469,726       $ 1,567,236           $ 1,337,413   
----------------- ----------------- ----------------- -------------- -------------------- ---------------------
     5,954,636         3,049,328         2,215,406           786,597         1,157,531             1,115,695   
     1,100,375           520,392           433,543           179,482           241,439               178,171   
----------------- ----------------- ----------------- -------------- -------------------- ---------------------
     7,055,011         3,569,720         2,648,949           966,079         1,398,970             1,293,866   
----------------- ----------------- ----------------- -------------- -------------------- ---------------------
    (3,431,734)           54,092            62,593         1,503,647           168,266                43,547   
----------------- ----------------- ----------------- -------------- -------------------- ---------------------
            --                --                --                --                --                    --   
      (567,706)         (942,084)         (242,233)           71,340          (385,340)             (879,380)  
----------------- ----------------- ----------------- -------------- -------------------- ---------------------
      (567,706)         (942,084)         (242,233)           71,340          (385,340)             (879,380)  
----------------- ----------------- ----------------- -------------- -------------------- ---------------------
    84,253,153        24,414,298        18,852,792         1,549,414         9,513,224             5,846,879   
----------------- ----------------- ----------------- -------------- -------------------- ---------------------
    83,685,447        23,472,214        18,610,559         1,620,754         9,127,884             4,967,499   
----------------- ----------------- ----------------- -------------- -------------------- ---------------------
  $ 80,253,713      $ 23,526,306      $ 18,673,152       $ 3,124,401       $ 9,296,150           $ 5,011,046   
================= ================= ================= ============== ==================== =====================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                        
                                                                                                                        
                                                                                     FTVIPT TEMPLETON FTVIPT FRANKLIN   
                                            FTVIPT TEMPLETON      FTVIPT FRANKLIN         GLOBAL BOND SMALL CAP VALUE   
                                           GROWTH SECURITIES    INCOME SECURITIES          SECURITIES      SECURITIES   
                                                 SUB-ACCOUNT          SUB-ACCOUNT         SUB-ACCOUNT     SUB-ACCOUNT   
                                           -------------------- -------------------- ---------------- ------------------
INVESTMENT INCOME:                                                                                                      
     Dividends                                     $ 593,829          $ 9,966,679           $ 868,342       $ 143,826   
                                           -------------------- -------------------- ---------------- ------------------
EXPENSES:                                                                                                               
     Mortality and expense risk and                                                                                     
        other charges                                527,806            1,783,341             684,188         212,922   
     Administrative charges                          107,487              377,366             158,829          49,063   
                                           -------------------- -------------------- ---------------- ------------------
        Total expenses                               635,293            2,160,707             843,017         261,985   
                                           -------------------- -------------------- ---------------- ------------------
           Net investment income (loss)              (41,464)           7,805,972              25,325        (118,159)  
                                           -------------------- -------------------- ---------------- ------------------
NET REALIZED AND CHANGE IN                                                                                              
  UNREALIZED GAINS (LOSSES) ON                                                                                          
  INVESTMENTS:                                                                                                          
     Realized gain distributions                          --                   --             157,085              --   
     Realized gains (losses) on sale of                                                                                 
        investments                               (1,194,460)            (465,020)             71,872          54,701   
                                           -------------------- -------------------- ---------------- ------------------
           Net realized gains (losses)            (1,194,460)            (465,020)            228,957          54,701   
                                           -------------------- -------------------- ---------------- ------------------
     Change in unrealized gains (losses)                                                                                
        on investments                             3,626,718            9,173,322           7,083,996       5,414,279   
                                           -------------------- -------------------- ---------------- ------------------
     Net realized and change in                                                                                         
        unrealized gains (losses) on                                                                                    
        investments                                2,432,258            8,708,302           7,312,953       5,468,980   
                                           -------------------- -------------------- ---------------- ------------------
     Net increase (decrease) in net assets                                                                              
        resulting from operations                $ 2,390,794         $ 16,514,274         $ 7,338,278     $ 5,350,821   
                                           ==================== ==================== ================ ==================

(a) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                    
                                                                                                    
                        PIONEER VCT  PIONEER VCT         PIONEER VCT      PIONEER VCT PIONEER VCT   
UIF U.S. REAL ESTATE           BOND CULLEN VALUE    EMERGING MARKETS    EQUITY INCOME        FUND   
         SUB-ACCOUNT    SUB-ACCOUNT  SUB-ACCOUNT         SUB-ACCOUNT      SUB-ACCOUNT SUB-ACCOUNT   
----------------------- ----------- --------------- ------------------- ------------- --------------
         $ 1,320,960      $ 106,688     $ 11,513             $ 3,369          $ 7,659     $ 2,642   
----------------------- ----------- --------------- ------------------- ------------- --------------
             764,984         28,141       25,019              14,744            5,117       2,651   
             153,396          5,658        4,970               2,644              912         583   
----------------------- ----------- --------------- ------------------- ------------- --------------
             918,380         33,799       29,989              17,388            6,029       3,234   
----------------------- ----------- --------------- ------------------- ------------- --------------
             402,580         72,889      (18,476)            (14,019)           1,630        (592)  
----------------------- ----------- --------------- ------------------- ------------- --------------
                  --             --           --                  --               --          --   
          (3,793,020)        28,371       22,967              51,198           17,928       1,674   
----------------------- ----------- --------------- ------------------- ------------- --------------
          (3,793,020)        28,371       22,967              51,198           17,928       1,674   
----------------------- ----------- --------------- ------------------- ------------- --------------
          18,634,695         55,693      155,011             110,840           38,303      32,740   
----------------------- ----------- --------------- ------------------- ------------- --------------
          14,841,675         84,064      177,978             162,038           56,231      34,414   
----------------------- ----------- --------------- ------------------- ------------- --------------
        $ 15,244,255      $ 156,953    $ 159,502           $ 148,019         $ 57,861    $ 33,822   
======================= =========== =============== =================== ============= ==============

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS -- (CONTINUED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                      
                                                                                                                      
                                           PIONEER VCT IBBOTSON PIONEER VCT IBBOTSON   PIONEER VCT    PIONEER VCT REAL
                                              GROWTH ALLOCATION  MODERATE ALLOCATION MID CAP VALUE       ESTATE SHARES
                                                    SUB-ACCOUNT          SUB-ACCOUNT   SUB-ACCOUNT         SUB-ACCOUNT
                                           -------------------- -------------------- ---------------- ----------------
INVESTMENT INCOME:                                                                                                    
     Dividends                                        $ 333,393            $ 643,849     $ 337,027             $ 5,409
                                           -------------------- -------------------- ---------------- ----------------
EXPENSES:                                                                                                             
     Mortality and expense risk and                                                                                   
        other charges                                   249,686              328,293       465,847               2,986
     Administrative charges                              44,216               63,518        96,556                 551
                                           -------------------- -------------------- ---------------- ----------------
        Total expenses                                  293,902              391,811       562,403               3,537
                                           -------------------- -------------------- ---------------- ----------------
           Net investment income (loss)                  39,491              252,038      (225,376)              1,872
                                           -------------------- -------------------- ---------------- ----------------
NET REALIZED AND CHANGE IN                                                                                            
  UNREALIZED GAINS (LOSSES) ON                                                                                        
  INVESTMENTS:                                                                                                        
     Realized gain distributions                             --                   --            --                  --
     Realized gains (losses) on sale of                                                                               
        investments                                     360,330              221,662      (237,712)             28,087
                                           -------------------- -------------------- ---------------- ----------------
           Net realized gains (losses)                  360,330              221,662      (237,712)             28,087
                                           -------------------- -------------------- ---------------- ----------------
     Change in unrealized gains (losses)                                                                              
        on investments                                1,818,686            2,500,603     6,635,500              27,619
                                           -------------------- -------------------- ---------------- ----------------
     Net realized and change in                                                                                       
        unrealized gains (losses) on                                                                                  
        investments                                   2,179,016            2,722,265     6,397,788              55,706
                                           -------------------- -------------------- ---------------- ----------------
     Net increase (decrease) in net assets                                                                            
        resulting from operations                   $ 2,218,507          $ 2,974,303   $ 6,172,412            $ 57,578
                                           ==================== ==================== ================ ================

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                                                   
                                                                                                                                   
                                                          LMPVET                                                                   
              LMPVET                LMPVET  CLEARBRIDGE VARIABLE                LMPVET                LMPVET                LMPVET 
CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE           FUNDAMENTAL  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE 
    SMALL CAP GROWTH       LARGE CAP VALUE         ALL CAP VALUE          APPRECIATION     AGGRESSIVE GROWTH      LARGE CAP GROWTH 
         SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT 
--------------------- --------------------- --------------------- --------------------- --------------------- ---------------------
                $ --              $ 75,586           $ 1,556,462           $ 2,549,002             $ 195,409               $ 6,925 
--------------------- --------------------- --------------------- --------------------- --------------------- ---------------------
             327,041                38,094             1,079,364             1,682,048             1,697,456                91,852 
              64,955                 6,248               217,229               348,246               332,306                15,087 
--------------------- --------------------- --------------------- --------------------- --------------------- ---------------------
             391,996                44,342             1,296,593             2,030,294             2,029,762               106,939 
--------------------- --------------------- --------------------- --------------------- --------------------- ---------------------
            (391,996)               31,244               259,869               518,708            (1,834,353)             (100,014)
--------------------- --------------------- --------------------- --------------------- --------------------- ---------------------
                  --                    --                    --                    --                    --                    -- 
              96,515               (95,704)             (692,388)              (46,528)             (729,737)              (67,178)
--------------------- --------------------- --------------------- --------------------- --------------------- ---------------------
              96,515               (95,704)             (692,388)              (46,528)             (729,737)              (67,178)
--------------------- --------------------- --------------------- --------------------- --------------------- ---------------------
           6,313,023               249,108            13,378,879            15,933,466            31,554,611               580,884 
--------------------- --------------------- --------------------- --------------------- --------------------- ---------------------
           6,409,538               153,404            12,686,491            15,886,938            30,824,874               513,706 
--------------------- --------------------- --------------------- --------------------- --------------------- ---------------------
         $ 6,017,542             $ 184,648          $ 12,946,360          $ 16,405,646          $ 28,990,521             $ 413,692 
===================== ===================== ===================== ===================== ===================== =====================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF OPERATIONS -- (CONCLUDED)                                         
FOR THE YEAR ENDED DECEMBER 31, 2010                                            

                                                        [Enlarge/Download Table]
                                                                                                                              
                                                                                                                              
                                                                         LMPVET                                               
                                           LMPVET INVESTMENT        CLEARBRIDGE              LMPVET                  LMPVET   
                                            COUNSEL VARIABLE    VARIABLE EQUITY         CLEARBRIDGE    CLEARBRIDGE VARIABLE   
                                            SOCIAL AWARENESS     INCOME BUILDER    VARIABLE CAPITAL       DIVIDEND STRATEGY   
                                                 SUB-ACCOUNT        SUB-ACCOUNT         SUB-ACCOUNT             SUB-ACCOUNT   
                                           -------------------- ------------------ ------------------- -----------------------
INVESTMENT INCOME:                                                                                                            
     Dividends                                       $ 6,582        $ 2,879,006            $ 40,567               $ 161,132   
                                           -------------------- ------------------ ------------------- -----------------------
EXPENSES:                                                                                                                     
     Mortality and expense risk and                                                                                           
        other charges                                  7,215            875,364              78,428                  83,281   
     Administrative charges                            1,325            175,898              12,599                  13,943   
                                           -------------------- ------------------ ------------------- -----------------------
        Total expenses                                 8,540          1,051,262              91,027                  97,224   
                                           -------------------- ------------------ ------------------- -----------------------
           Net investment income (loss)               (1,958)         1,827,744             (50,460)                 63,908   
                                           -------------------- ------------------ ------------------- -----------------------
NET REALIZED AND CHANGE IN                                                                                                    
  UNREALIZED GAINS (LOSSES) ON                                                                                                
  INVESTMENTS:                                                                                                                
     Realized gain distributions                          --                 --                  --                      --   
     Realized gains (losses) on sale of                                                                                       
        investments                                  (15,882)        (2,284,460)           (459,328)               (127,436)  
                                           -------------------- ------------------ ------------------- -----------------------
           Net realized gains (losses)               (15,882)        (2,284,460)           (459,328)               (127,436)  
                                           -------------------- ------------------ ------------------- -----------------------
     Change in unrealized gains (losses)                                                                                      
        on investments                                67,430          7,931,196           1,016,611                 598,520   
                                           -------------------- ------------------ ------------------- -----------------------
     Net realized and change in                                                                                               
        unrealized gains (losses) on                                                                                          
        investments                                   51,548          5,646,736             557,283                 471,084   
                                           -------------------- ------------------ ------------------- -----------------------
     Net increase (decrease) in net assets                                                                                    
        resulting from operations                   $ 49,590        $ 7,474,480           $ 506,823               $ 534,992   
                                           ==================== ================== =================== =======================

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                             
                                                                                                             
                                                                   LMPVIT WESTERN                            
            LMPVET                LMPVET                LMPVET     ASSET VARIABLE           LMPVIT WESTERN   
VARIABLE LIFESTYLE    VARIABLE LIFESTYLE    VARIABLE LIFESTYLE    ADJUSTABLE RATE    ASSET VARIABLE GLOBAL   
    ALLOCATION 50%        ALLOCATION 70%        ALLOCATION 85%             INCOME          HIGH YIELD BOND   
       SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT        SUB-ACCOUNT              SUB-ACCOUNT   
--------------------- --------------------- --------------------- ------------------ ------------------------
         $ 351,792              $ 67,686             $ 913,002           $ 23,448              $ 5,101,414   
--------------------- --------------------- --------------------- ------------------ ------------------------
           112,783                45,195               583,866             29,272                  687,794   
            21,428                 8,277               132,131              5,366                  134,601   
--------------------- --------------------- --------------------- ------------------ ------------------------
           134,211                53,472               715,997             34,638                  822,395   
--------------------- --------------------- --------------------- ------------------ ------------------------
           217,581                14,214               197,005            (11,190)               4,279,019   
--------------------- --------------------- --------------------- ------------------ ------------------------
                --                    --                    --                 --                       --   
          (104,317)              (75,321)              (47,518)           (34,178)                (257,958)  
--------------------- --------------------- --------------------- ------------------ ------------------------
          (104,317)              (75,321)              (47,518)           (34,178)                (257,958)  
--------------------- --------------------- --------------------- ------------------ ------------------------
         1,061,494               464,939             7,347,126            200,066                2,633,790   
--------------------- --------------------- --------------------- ------------------ ------------------------
           957,177               389,618             7,299,608            165,888                2,375,832   
--------------------- --------------------- --------------------- ------------------ ------------------------
       $ 1,174,758             $ 403,832           $ 7,496,613          $ 154,698              $ 6,654,851   
===================== ===================== ===================== ================== ========================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS                                             
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                 
                                                                                                                 
                                        MIST LORD ABBETT GROWTH AND INCOME       MIST LORD ABBETT BOND DEBENTURE 
                                                               SUB-ACCOUNT                           SUB-ACCOUNT 
                                        -------------------- ---------------- -------------------- --------------
                                              2010                 2009             2010               2009      
                                        ---------------- -------------------- ---------------- ------------------
INCREASE (DECREASE) IN NET ASSETS:                                                                               
FROM OPERATIONS:                                                                                                 
  Net investment income (loss)           $ (2,179,634)         $ 3,407,335     $ 11,561,665       $ 11,651,022   
  Net realized gains (losses)             (11,738,174)         (19,779,752)         655,266         (2,618,629)  
  Change in unrealized gains (losses)                                                                            
     on investments                        88,503,005           89,166,515       14,381,461         53,160,028   
                                        ---------------- -------------------- ---------------- ------------------
     Net increase (decrease) in net                                                                              
       assets resulting from operations    74,585,197           72,794,098       26,598,392         62,192,421   
                                        ---------------- -------------------- ---------------- ------------------
CONTRACT TRANSACTIONS:                                                                                           
  Purchase payments received from                                                                                
     contract owners                       34,498,056           24,790,970       19,319,664         13,520,954   
  Net transfers (including fixed                                                                                 
     account)                              (9,485,921)          (9,170,650)      (2,789,729)         8,532,182   
  Contract charges                         (1,907,565)          (1,725,909)      (1,255,669)        (1,091,983)  
  Transfers for contract benefits and                                                                            
     terminations                         (41,749,572)         (31,471,695)     (19,865,961)       (15,416,833)  
                                        ---------------- -------------------- ---------------- ------------------
     Net increase (decrease) in net                                                                              
       assets resulting from                                                                                     
       contract transactions              (18,645,002)         (17,577,284)      (4,591,695)         5,544,320   
                                        ---------------- -------------------- ---------------- ------------------
     Net increase (decrease) in                                                                                  
       net assets                          55,940,195           55,216,814       22,006,697         67,736,741   
NET ASSETS:                                                                                                      
  Beginning of year                       502,483,411          447,266,597      245,913,998        178,177,257   
                                        ---------------- -------------------- ---------------- ------------------
  End of year                           $ 558,423,606        $ 502,483,411    $ 267,920,695      $ 245,913,998   
                                        ================ ==================== ================ ==================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                           
                                                                                                           
MIST MORGAN STANLEY MID CAP GROWTH     MIST LORD ABBETT MID CAP VALUE                  MIST LAZARD MID CAP 
                       SUB-ACCOUNT                        SUB-ACCOUNT                          SUB-ACCOUNT 
------------------------------------- ---------------------------------- ----------------------------------
      2010                 2009             2010              2009             2010              2009      
--------------- --------------------- ---------------- ----------------- ---------------- -----------------
$ (1,024,509)           $ (629,905)      $ (869,314)         $ 23,534       $ (891,874)       $ (414,902)  
     249,855              (846,552)         114,776          (729,988)      (1,471,607)       (3,302,687)  
  19,404,837            18,975,278       19,290,624        12,132,534       24,676,618        29,227,950   
--------------- --------------------- ---------------- ----------------- ---------------- -----------------
  18,630,183            17,498,821       18,536,086        11,426,080       22,313,137        25,510,361   
--------------- --------------------- ---------------- ----------------- ---------------- -----------------
  20,931,300            14,583,797       27,767,987        18,776,021       18,328,029        11,713,789   
    (368,519)           (2,621,706)       5,462,249         8,850,724        1,824,089        (1,645,217)  
    (484,810)             (293,779)        (589,256)         (241,571)        (711,764)         (500,917)  
  (3,982,569)           (2,104,313)      (3,756,372)       (1,808,129)      (7,455,077)       (4,372,768)  
--------------- --------------------- ---------------- ----------------- ---------------- -----------------
  16,095,402             9,563,999       28,884,608        25,577,045       11,985,277         5,194,887   
--------------- --------------------- ---------------- ----------------- ---------------- -----------------
  34,725,585            27,062,820       47,420,694        37,003,125       34,298,414        30,705,248   
  54,290,087            27,227,267       60,902,685        23,899,560      100,906,992        70,201,744   
--------------- --------------------- ---------------- ----------------- ---------------- -----------------
$ 89,015,672          $ 54,290,087    $ 108,323,379      $ 60,902,685    $ 135,205,406     $ 100,906,992   
=============== ===================== ================ ================= ================ =================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                
                                                                                                                
                                           MIST INVESCO SMALL CAP GROWTH    MIST HARRIS OAKMARK INTERNATIONAL   
                                                             SUB-ACCOUNT                         SUB-ACCOUNT    
                                        ----------------------------------- ------------------------------------
                                              2010                2009            2010                2009      
                                        ---------------- ------------------ ----------------     ---------------
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
  Net investment income (loss)           $ (2,468,565)      $ (1,876,335)       $ 702,155        $ 14,134,303   
  Net realized gains (losses)                (466,657)        (2,814,981)      (2,155,945)         (8,257,515)  
  Change in unrealized gains (losses)                                                                           
     on investments                        37,724,319         37,631,558       54,275,769          95,170,553   
                                        ---------------- ------------------ ----------------     ---------------
     Net increase (decrease) in net                                                                             
       assets resulting from operations    34,789,097         32,940,242       52,821,979         101,047,341   
                                        ---------------- ------------------ ----------------     ---------------
CONTRACT TRANSACTIONS:                                                                                          
  Purchase payments received from                                                                               
     contract owners                       22,455,325         14,721,210       82,957,906          32,490,984   
  Net transfers (including fixed                                                                                
     account)                              (1,342,715)          (558,124)      35,195,388              44,876   
  Contract charges                           (883,578)          (683,499)      (2,086,105)         (1,394,770)  
  Transfers for contract benefits and                                                                           
     terminations                          (8,881,497)        (6,393,128)     (18,631,233)        (11,888,624)  
                                        ---------------- ------------------ ----------------     ---------------
     Net increase (decrease) in net                                                                             
       assets resulting from                                                                                    
       contract transactions               11,347,535          7,086,459       97,435,956          19,252,466   
                                        ---------------- ------------------ ----------------     ---------------
     Net increase (decrease) in                                                                                 
       net assets                          46,136,632         40,026,701      150,257,935         120,299,807   
NET ASSETS:                                                                                                     
  Beginning of year                       140,473,926        100,447,225      309,481,262         189,181,455   
                                        ---------------- ------------------ ----------------     ---------------
  End of year                           $ 186,610,558      $ 140,473,926    $ 459,739,197       $ 309,481,262   
                                        ================ ================== ================ ===================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 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 THIRD AVENUE SMALL CAP VALUE     MIST OPPENHEIMER CAPITAL APPRECIATION    LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH  
                      SUB-ACCOUNT                               SUB-ACCOUNT                                 SUB-ACCOUNT  
------------------------------------ ---------------------------------------- -------------------------------------------
      2010                2009             2010                    2009             2010                       2009      
---------------- ------------------- ---------------- ----------------------- ---------------- --------------------------
 $ (1,246,284)       $ (1,038,997)    $ (2,151,099)           $ (2,827,781)    $ (1,332,850)              $ (1,032,858)  
     (801,208)           (856,195)      (9,290,928)            (16,868,181)        (927,201)                (3,151,338)  
   51,293,976          53,626,734       25,130,998              81,408,078       19,271,527                 21,503,806   
---------------- ------------------- ---------------- ----------------------- ---------------- --------------------------
   49,246,484          51,731,542       13,688,971              61,712,116       17,011,476                 17,319,610   
---------------- ------------------- ---------------- ----------------------- ---------------- --------------------------
   35,681,864          26,362,759        3,281,141               3,154,999       12,070,122                  5,272,403   
   (1,476,974)          2,707,898       (7,070,024)             (9,985,808)       5,475,099                 (1,962,041)  
   (1,539,921)         (1,222,132)        (906,090)               (960,351)        (468,260)                  (379,561)  
  (16,870,282)        (12,018,057)     (14,069,318)            (11,619,466)      (4,991,971)                (3,535,631)  
---------------- ------------------- ---------------- ----------------------- ---------------- --------------------------
   15,794,687          15,830,468      (18,764,291)            (19,410,626)      12,084,990                   (604,830)  
---------------- ------------------- ---------------- ----------------------- ---------------- --------------------------
   65,041,171          67,562,010       (5,075,320)             42,301,490       29,096,466                 16,714,780   
  262,479,306         194,917,296      201,465,075             159,163,585       73,409,292                 56,694,512   
---------------- ------------------- ---------------- ----------------------- ---------------- --------------------------
$ 327,520,477       $ 262,479,306    $ 196,389,755           $ 201,465,075    $ 102,505,758               $ 73,409,292   
================ =================== ================ ======================= ================ ==========================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                
                                                                                                                
                                                   MIST PIMCO TOTAL RETURN                MIST RCM TECHNOLOGY   
                                                               SUB-ACCOUNT                        SUB-ACCOUNT   
                                        ------------------------------------- ----------------------------------
                                                 2010               2009             2010              2009     
                                        ------------------ ------------------ ----------------    ------------- 
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
  Net investment income (loss)             $ 23,217,472       $ 36,006,518     $ (1,373,160)       $ (856,547)  
  Net realized gains (losses)                11,470,536         28,108,034         (256,411)       (4,131,893)  
  Change in unrealized gains (losses)                                                                           
     on investments                          43,519,330         43,548,561       22,084,395        28,745,651   
                                        ------------------ ------------------ ----------------    ------------- 
     Net increase (decrease) in net                                                                             
       assets resulting from operations      78,207,338        107,663,113       20,454,824        23,757,211   
                                        ------------------ ------------------ ----------------    ------------- 
CONTRACT TRANSACTIONS:                                                                                          
  Purchase payments received from                                                                               
     contract owners                        528,002,334        283,591,707       15,191,832         8,378,739   
  Net transfers (including fixed                                                                                
     account)                               193,559,819        186,018,088        4,638,445         7,819,129   
  Contract charges                           (9,123,029)        (3,508,859)        (485,886)         (308,883)  
  Transfers for contract benefits and                                                                           
     terminations                           (84,494,300)       (60,877,549)      (4,684,902)       (2,421,353)  
                                        ------------------ ------------------ ----------------    ------------- 
     Net increase (decrease) in net                                                                             
       assets resulting from                                                                                    
       contract transactions                627,944,824        405,223,387       14,659,489        13,467,632   
                                        ------------------ ------------------ ----------------    ------------- 
     Net increase (decrease) in                                                                                 
       net assets                           706,152,162        512,886,500       35,114,313        37,224,843   
NET ASSETS:                                                                                                     
  Beginning of year                       1,055,450,302        542,563,802       74,614,703        37,389,860   
                                        ------------------ ------------------ ----------------    ------------- 
  End of year                           $ 1,761,602,464    $ 1,055,450,302    $ 109,729,016      $ 74,614,703   
                                        ================== ================== ================   ============== 

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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MIST PIMCO INFLATION PROTECTED BOND    MIST T. ROWE PRICE MID CAP GROWTH     MIST MFS RESEARCH INTERNATIONAL   
                        SUB-ACCOUNT                          SUB-ACCOUNT                         SUB-ACCOUNT   
-------------------------------------- ------------------------------------ -----------------------------------
         2010                  2009             2010                2009             2010               2009   
----------------     ----------------  ----------------    ---------------  ---------------     -------------- 
  $ 3,575,617           $ 5,334,190     $ (4,952,884)       $ (3,080,007)       $ 219,400        $ 3,448,924   
   15,232,778              (156,702)       1,190,797          (1,354,117)      (4,301,992)        (7,097,913)  
   12,409,725            43,470,993       79,898,499          73,868,915       32,018,558         67,944,426   
----------------     ----------------  ----------------    ---------------  ---------------     -------------- 
   31,218,120            48,648,481       76,136,412          69,434,791       27,935,966         64,295,437   
----------------     ----------------  ----------------    ---------------  ---------------     -------------- 
  186,076,017           108,272,363       81,005,710          48,579,554       33,595,278         30,714,776   
   55,668,915            91,767,453       16,938,802          11,965,211       (4,781,993)        (5,055,706)  
   (3,960,123)           (1,879,564)      (1,874,240)         (1,056,634)      (1,690,651)        (1,383,407)  
  (36,501,799)          (23,038,668)     (15,531,496)         (9,815,630)     (17,692,270)       (12,091,315)  
----------------     ----------------  ----------------    ---------------  ---------------     -------------- 
  201,283,010           175,121,584       80,538,776          49,672,501        9,430,364         12,184,348   
----------------     ----------------  ----------------    ---------------  ---------------     -------------- 
  232,501,130           223,770,065      156,675,188         119,107,292       37,366,330         76,479,785   
  478,661,744           254,891,679      258,174,943         139,067,651      281,155,296        204,675,511   
----------------     ----------------  ----------------    ---------------  ---------------     -------------- 
$ 711,162,874         $ 478,661,744    $ 414,850,131       $ 258,174,943    $ 318,521,626      $ 281,155,296   
================     ================  ================    ===============  ===============    =============== 

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                            
                                                                                                            
                                        MIST CLARION GLOBAL REAL ESTATE        MIST TURNER MID CAP GROWTH   
                                                            SUB-ACCOUNT                       SUB-ACCOUNT   
                                        ---------------------------------- ---------------------------------
                                              2010              2009            2010                2009    
                                        ----------------     ------------- ---------------     -------------
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
  Net investment income (loss)            $ 6,777,671       $ 1,094,435    $ (1,052,221)       $ (702,339)  
  Net realized gains (losses)              (1,407,595)       (3,927,292)       (238,041)       (3,199,344)  
  Change in unrealized gains (losses)                                                                       
     on investments                        10,898,100        28,010,276      16,851,840        20,390,571   
                                        ----------------    ------------- ---------------     ------------- 
     Net increase (decrease) in net                                                                         
       assets resulting from operations    16,268,176        25,177,419      15,561,578        16,488,888   
                                        ----------------    ------------- ---------------     ------------- 
CONTRACT TRANSACTIONS:                                                                                      
  Purchase payments received from                                                                           
     contract owners                       25,322,980        13,577,318      12,031,375         6,825,058   
  Net transfers (including fixed                                                                            
     account)                               6,872,912         1,492,861       4,219,138          (338,209)  
  Contract charges                           (743,161)         (492,700)       (401,167)         (264,019)  
  Transfers for contract benefits and                                                                       
     terminations                          (6,511,048)       (5,599,109)     (3,352,777)       (2,298,537)  
                                        ----------------    ------------- ---------------     ------------- 
     Net increase (decrease) in net                                                                         
       assets resulting from                                                                                
       contract transactions               24,941,683         8,978,370      12,496,569         3,924,293   
                                        ----------------    ------------- ---------------     ------------- 
     Net increase (decrease) in                                                                             
       net assets                          41,209,859        34,155,789      28,058,147        20,413,181   
NET ASSETS:                                                                                                 
  Beginning of year                        98,120,895        63,965,106      55,630,594        35,217,413   
                                        ----------------    ------------- ---------------     ------------- 
  End of year                           $ 139,330,754      $ 98,120,895    $ 83,688,741      $ 55,630,594   
                                        ================   ============== ===============    ============== 

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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MIST GOLDMAN SACHS MID CAP VALUE       MIST METLIFE DEFENSIVE STRATEGY        MIST METLIFE MODERATE STRATEGY   
                     SUB-ACCOUNT                           SUB-ACCOUNT                          SUB-ACCOUNT    
----------------------------------- ------------------------------------- -------------------------------------
      2010                2009             2010               2009               2010               2009       
---------------- ------------------ ------------------ ------------------ ------------------ ------------------
   $ (611,735)        $ (285,815)      $ 24,675,209       $ 14,285,976       $ 21,827,918       $ 26,502,192   
   (1,042,195)        (5,598,321)         6,974,977         13,352,866         (1,300,604)        27,972,825   
   20,162,482         24,667,040        129,661,482        207,905,178        249,479,440        327,614,224   
---------------- ------------------ ------------------ ------------------ ------------------ ------------------
   18,508,552         18,782,904        161,311,668        235,544,020        270,006,754        382,089,241   
---------------- ------------------ ------------------ ------------------ ------------------ ------------------
   16,294,780             46,636        289,119,491        214,143,790        566,634,946        382,099,405   
    4,973,575         (5,802,925)       209,055,614        210,670,824        221,642,130        158,217,461   
     (421,017)          (419,044)       (13,246,517)        (8,298,113)       (18,256,739)       (11,449,813)  
   (4,968,579)        (3,914,680)      (108,776,548)       (73,393,069)      (134,165,438)       (93,949,243)  
---------------- ------------------ ------------------ ------------------ ------------------ ------------------
   15,878,759        (10,090,013)       376,152,040        343,123,432        635,854,899        434,917,810   
---------------- ------------------ ------------------ ------------------ ------------------ ------------------
   34,387,311          8,692,891        537,463,708        578,667,452        905,861,653        817,007,051   
   77,628,353         68,935,462      1,466,386,791        887,719,339      2,188,428,006      1,371,420,955   
---------------- ------------------ ------------------ ------------------ ------------------ ------------------
$ 112,015,664       $ 77,628,353    $ 2,003,850,499    $ 1,466,386,791    $ 3,094,289,659    $ 2,188,428,006   
================ ================== ================== ================== ================== ==================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                   
                                                                                                                   
                                            MIST METLIFE BALANCED STRATEGY          MIST METLIFE GROWTH STRATEGY   
                                                               SUB-ACCOUNT                           SUB-ACCOUNT   
                                        ------------------------------------- -------------------------------------
                                               2010               2009               2010               2009       
                                        ------------------ ------------------ ------------------ ------------------
INCREASE (DECREASE) IN NET ASSETS:                                                                                 
FROM OPERATIONS:                                                                                                   
  Net investment income (loss)             $ 23,823,222      $ (63,616,568)       $ 4,153,595      $ (70,638,840)  
  Net realized gains (losses)                (8,304,795)       (39,830,891)       (69,645,465)      (126,970,726)  
  Change in unrealized gains (losses)                                                                              
     on investments                         615,445,203      1,040,029,640        719,869,373      1,313,230,729   
                                        ------------------ ------------------ ------------------ ------------------
     Net increase (decrease) in net                                                                                
       assets resulting from operations     630,963,630        936,582,181        654,377,503      1,115,621,163   
                                        ------------------ ------------------ ------------------ ------------------
CONTRACT TRANSACTIONS:                                                                                             
  Purchase payments received from                                                                                  
     contract owners                        999,224,042        610,294,471        209,101,091        366,476,905   
  Net transfers (including fixed                                                                                   
     account)                               306,719,217        139,386,054       (103,089,847)      (199,867,285)  
  Contract charges                          (39,416,993)       (29,471,803)       (44,853,911)       (41,661,343)  
  Transfers for contract benefits and                                                                              
     terminations                          (292,332,034)      (208,445,256)      (229,225,934)      (173,118,459)  
                                        ------------------ ------------------ ------------------ ------------------
     Net increase (decrease) in net                                                                                
       assets resulting from                                                                                       
       contract transactions                974,194,232        511,763,466       (168,068,601)       (48,170,182)  
                                        ------------------ ------------------ ------------------ ------------------
     Net increase (decrease) in                                                                                    
       net assets                         1,605,157,862      1,448,345,647        486,308,902      1,067,450,981   
NET ASSETS:                                                                                                        
  Beginning of year                       4,832,135,577      3,383,789,930      5,026,063,304      3,958,612,323   
                                        ------------------ ------------------ ------------------ ------------------
  End of year                           $ 6,437,293,439    $ 4,832,135,577    $ 5,512,372,206    $ 5,026,063,304   
                                        ================== ================== ================== ==================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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MIST METLIFE AGGRESSIVE STRATEGY            MIST VAN KAMPEN COMSTOCK       MIST LEGG MASON VALUE EQUITY  
                     SUB-ACCOUNT                         SUB-ACCOUNT                        SUB-ACCOUNT  
----------------------------------- ----------------------------------- ---------------------------------
      2010               2009             2010               2009            2010              2009      
----------------   -------------- ----------------     -------------- ---------------     -------------  
 $ (1,990,286)      $ (5,510,343)      $ (119,726)        $ (460,408)      $ 348,007         $ (16,433)  
   (7,464,595)       (16,962,168)         104,490         (1,068,540)     (1,107,947)       (3,027,666)  
   73,777,886        115,113,676       25,565,625         34,431,722       6,128,692        22,636,627   
----------------   -------------- ----------------     -------------- ---------------     -------------  
   64,323,005         92,641,165       25,550,389         32,902,774       5,368,752        19,592,528   
----------------   -------------- ----------------     -------------- ---------------     -------------  
   73,554,766         41,759,162       45,629,577         27,885,743      16,314,286        13,698,004   
   (2,887,628)        (5,756,557)      10,047,975         66,012,743       4,334,364         2,844,859   
   (2,698,799)        (2,281,803)        (973,881)          (479,581)       (575,256)         (363,256)  
  (21,726,238)       (16,233,770)     (10,735,249)        (5,930,902)     (4,087,428)       (2,923,377)  
----------------   -------------- ----------------     -------------- ---------------     -------------  
   46,242,101         17,487,032       43,968,422         87,488,003      15,985,966        13,256,230   
----------------   -------------- ----------------     -------------- ---------------     -------------  
  110,565,106        110,128,197       69,518,811        120,390,777      21,354,718        32,848,758   
  412,402,731        302,274,534      161,042,507         40,651,730      77,277,821        44,429,063   
----------------   -------------- ----------------     -------------- ---------------     -------------  
$ 522,967,837      $ 412,402,731    $ 230,561,318      $ 161,042,507    $ 98,632,539      $ 77,277,821   
================   ============== ================     ============== ===============     =============  

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                
                                                                                                                
                                        MIST MFS EMERGING MARKETS EQUITY    MIST LOOMIS SAYLES GLOBAL MARKETS   
                                                             SUB-ACCOUNT                          SUB-ACCOUNT   
                                        ---------------------------------- -------------------------------------
                                                 2010               2009             2010                2009   
                                        ----------------   ---------------  ----------------     ---------------
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
  Net investment income (loss)           $ (1,558,940)        $ (194,930)     $ 1,306,860           $ 175,348   
  Net realized gains (losses)                 184,674         (1,132,770)        (479,440)         (3,107,251)  
  Change in unrealized gains (losses)                                                                           
     on investments                        57,796,915         56,909,602       17,346,226          21,190,524   
                                        ----------------   ---------------  ----------------     ---------------
     Net increase (decrease) in net                                                                             
       assets resulting from operations    56,422,649         55,581,902       18,173,646          18,258,621   
                                        ----------------   ---------------  ----------------     ---------------
CONTRACT TRANSACTIONS:                                                                                          
  Purchase payments received from                                                                               
     contract owners                       98,823,178         47,544,106       23,179,133          10,702,120   
  Net transfers (including fixed                                                                                
     account)                              33,608,948         32,034,394       23,135,238           5,516,677   
  Contract charges                         (1,721,209)          (694,901)        (622,257)           (370,960)  
  Transfers for contract benefits and                                                                           
     terminations                         (11,726,391)        (5,126,179)      (4,077,382)         (2,073,246)  
                                        ----------------   ---------------  ----------------     ---------------
     Net increase (decrease) in net                                                                             
       assets resulting from                                                                                    
       contract transactions              118,984,526         73,757,420       41,614,732          13,774,591   
                                        ----------------   ---------------  ----------------     ---------------
     Net increase (decrease) in                                                                                 
       net assets                         175,407,175        129,339,322       59,788,378          32,033,212   
NET ASSETS:                                                                                                     
  Beginning of year                       189,762,080         60,422,758       77,383,467          45,350,255   
                                        ----------------   ---------------  ----------------     ---------------
  End of year                           $ 365,169,255      $ 189,762,080    $ 137,171,845        $ 77,383,467   
                                        ================   ===============  ================     ===============

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                      
                                                                                                      
   MIST JANUS FORTY                  MIST DREMAN SMALL CAP VALUE              MIST PIONEER FUND       
        SUB-ACCOUNT                                  SUB-ACCOUNT                    SUB-ACCOUNT       
--------------------------------- --------------------------------- ----------------------------------
        2010              2009            2010              2009             2010              2009   
--------------- ----------------- --------------- ----------------- ---------------- -----------------
  $ (133,826)       $ (298,143)     $ (203,405)       $ (138,611)      $ (478,869)         $ 33,212   
      36,628          (800,679)        154,017          (293,997)          88,907           (31,424)  
   3,912,856         6,731,098       3,630,265         4,683,332       13,686,623         8,417,448   
--------------- ----------------- --------------- ----------------- ---------------- -----------------
   3,815,658         5,632,276       3,580,877         4,250,724       13,296,661         8,419,236   
--------------- ----------------- --------------- ----------------- ---------------- -----------------
  20,304,418         5,269,399       4,622,090         4,183,333       43,813,736        25,641,164   
   9,195,931         2,113,444      (1,986,526)         (287,971)       6,452,572         3,919,423   
    (235,237)         (129,910)       (171,270)         (116,706)        (405,987)         (107,948)  
  (1,589,721)       (2,510,153)     (1,193,285)         (715,969)      (3,551,027)       (1,011,033)  
--------------- ----------------- --------------- ----------------- ---------------- -----------------
  27,675,391         4,742,780       1,271,009         3,062,687       46,309,294        28,441,606   
--------------- ----------------- --------------- ----------------- ---------------- -----------------
  31,491,049        10,375,056       4,851,886         7,313,411       59,605,955        36,860,842   
  21,865,637        11,490,581      19,575,088        12,261,677       53,308,711        16,447,869   
--------------- ----------------- --------------- ----------------- ---------------- -----------------
$ 53,356,686      $ 21,865,637    $ 24,426,974      $ 19,575,088    $ 112,914,666      $ 53,308,711   
=============== ================= =============== ================= ================ =================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                            
                                                                                                            
                                           MIST PIONEER STRATEGIC INCOME    MIST BLACKROCK LARGE CAP CORE   
                                                             SUB-ACCOUNT                      SUB-ACCOUNT   
                                        ----------------------------------- --------------------------------
                                                 2010               2009           2010              2009   
                                        --------------   ----------------  --------------  ---------------- 
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
  Net investment income (loss)           $ 10,372,053        $ 6,029,903      $ (52,523)        $ (18,960)  
  Net realized gains (losses)                 393,452           (191,058)       (80,252)         (301,081)  
  Change in unrealized gains (losses)                                                                       
     on investments                        20,915,857         42,593,196      1,037,963         1,074,214   
                                        --------------   ----------------  --------------  ---------------- 
     Net increase (decrease) in net                                                                         
       assets resulting from operations    31,681,362         48,432,041        905,188           754,173   
                                        --------------   ----------------  --------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                      
  Purchase payments received from                                                                           
     contract owners                      122,502,926         76,452,855      3,102,112           838,893   
  Net transfers (including fixed                                                                            
     account)                              35,965,663          7,690,397      1,040,120           144,646   
  Contract charges                         (1,532,681)          (656,970)       (53,878)          (31,944)  
  Transfers for contract benefits and                                                                       
     terminations                         (20,015,981)        (9,969,287)      (458,682)         (226,128)  
                                        --------------   ----------------  --------------  ---------------- 
     Net increase (decrease) in net                                                                         
       assets resulting from                                                                                
       contract transactions              136,919,927         73,516,995      3,629,672           725,467   
                                        --------------   ----------------  --------------  ---------------- 
     Net increase (decrease) in                                                                             
       net assets                         168,601,289        121,949,036      4,534,860         1,479,640   
NET ASSETS:                                                                                                 
  Beginning of year                       251,000,578        129,051,542      5,078,728         3,599,088   
                                        --------------   ----------------  --------------  ---------------- 
  End of year                           $ 419,601,867      $ 251,000,578    $ 9,613,588       $ 5,078,728   
                                        ==============   ================  ==============  ================ 

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                               
                                                                                                               
      MIST BLACKROCK HIGH YIELD     MIST RAINIER LARGE CAP EQUITY    MIST AMERICAN FUNDS BALANCED ALLOCATION   
                    SUB-ACCOUNT                       SUB-ACCOUNT                                SUB-ACCOUNT   
---------------------------------- --------------------------------- ------------------------------------------
         2010              2009            2010              2009               2010                    2009   
---------------- ----------------- --------------- ----------------- ------------------ -----------------------
  $ 5,677,284       $ 1,095,795      $ (418,759)       $ (217,515)      $ (9,940,079)          $ (12,236,408)  
    7,521,614           422,595        (368,008)       (3,536,480)         1,431,438                 191,299   
    4,162,987        18,932,338       5,878,677         9,381,760        218,397,822             219,603,120   
---------------- ----------------- --------------- ----------------- ------------------ -----------------------
   17,361,885        20,450,728       5,091,910         5,627,765        209,889,181             207,558,011   
---------------- ----------------- --------------- ----------------- ------------------ -----------------------
   48,324,470        27,978,785       8,349,710         9,306,349        780,028,567             542,325,700   
   25,077,556        40,605,633        (344,347)       (2,781,759)       248,657,423             260,661,354   
     (890,146)         (298,135)       (271,652)         (166,701)       (14,036,590)             (4,189,539)  
   (7,785,000)       (2,168,156)     (1,335,546)       (1,235,750)       (61,424,966)            (24,044,834)  
---------------- ----------------- --------------- ----------------- ------------------ -----------------------
   64,726,880        66,118,127       6,398,165         5,122,139        953,224,434             774,752,681   
---------------- ----------------- --------------- ----------------- ------------------ -----------------------
   82,088,765        86,568,855      11,490,075        10,749,904      1,163,113,615             982,310,692   
  100,278,538        13,709,683      34,404,016        23,654,112      1,315,175,709             332,865,017   
---------------- ----------------- --------------- ----------------- ------------------ -----------------------
$ 182,367,303     $ 100,278,538    $ 45,894,091      $ 34,404,016    $ 2,478,289,324         $ 1,315,175,709   
================ ================= =============== ================= ================== =======================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                               
                                                                                                               
                                                MIST AMERICAN FUNDS BOND          MIST AMERICAN FUNDS GROWTH   
                                                             SUB-ACCOUNT                         SUB-ACCOUNT   
                                        ----------------------------------- -----------------------------------
                                                 2010               2009             2010               2009   
                                        ---------------- ------------------ ---------------- ------------------
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
  Net investment income (loss)              $ 122,992       $ (1,269,526)    $ (4,592,485)      $ (2,182,895)  
  Net realized gains (losses)                 228,924             28,504          791,765           (519,260)  
  Change in unrealized gains (losses)                                                                          
     on investments                         6,583,360          8,847,600       65,409,390         49,442,762   
                                        ---------------- ------------------ ---------------- ------------------
     Net increase (decrease) in net                                                                            
       assets resulting from operations     6,935,276          7,606,578       61,608,670         46,740,607   
                                        ---------------- ------------------ ---------------- ------------------
CONTRACT TRANSACTIONS:                                                                                         
  Purchase payments received from                                                                              
     contract owners                       95,186,014         62,636,955      154,860,118        103,582,571   
  Net transfers (including fixed                                                                               
     account)                              40,265,959         46,203,898       38,314,169         37,218,397   
  Contract charges                         (1,541,781)          (344,696)      (2,420,201)          (695,505)  
  Transfers for contract benefits and                                                                          
     terminations                          (7,200,361)        (3,127,075)     (10,207,058)        (3,714,491)  
                                        ---------------- ------------------ ---------------- ------------------
     Net increase (decrease) in net                                                                            
       assets resulting from                                                                                   
       contract transactions              126,709,831        105,369,082      180,547,028        136,390,972   
                                        ---------------- ------------------ ---------------- ------------------
     Net increase (decrease) in                                                                                
       net assets                         133,645,107        112,975,660      242,155,698        183,131,579   
NET ASSETS:                                                                                                    
  Beginning of year                       141,146,685         28,171,025      238,097,827         54,966,248   
                                        ---------------- ------------------ ---------------- ------------------
  End of year                           $ 274,791,792      $ 141,146,685    $ 480,253,525      $ 238,097,827   
                                        ================ ================== ================ ==================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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MIST AMERICAN FUNDS GROWTH ALLOCATION    MIST AMERICAN FUNDS INTERNATIONAL    MIST AMERICAN FUNDS MODERATE ALLOCATION   
                          SUB-ACCOUNT                          SUB-ACCOUNT                                SUB-ACCOUNT   
---------------------------------------- ------------------------------------ ----------------------------------------- 
           2010                  2009             2010                2009               2010                    2009   
------------------ --------------------- ---------------- ------------------- ------------------ -----------------------
   $ (8,649,027)        $ (13,577,682)    $ (1,838,588)       $ (1,592,046)      $ (1,746,826)           $ (7,890,743)  
      4,410,087               841,106          590,124            (265,007)           442,079                   4,019   
    148,410,760           282,438,706       18,687,175          38,360,906         99,071,297             114,712,832   
------------------ --------------------- ---------------- ------------------- ------------------ -----------------------
    144,171,820           269,702,130       17,438,711          36,503,853         97,766,550             106,826,108   
------------------ --------------------- ---------------- ------------------- ------------------ -----------------------
    180,475,839           328,976,500       99,256,032          67,379,015        427,726,570             350,843,448   
     18,088,978           119,673,133       24,122,092          22,261,881        133,946,313             173,945,155   
    (11,094,760)           (6,021,052)      (1,627,834)           (553,760)        (9,314,240)             (2,681,289)  
    (41,629,664)          (22,708,729)      (6,247,664)         (2,420,645)       (37,039,718)            (13,664,347)  
------------------ --------------------- ---------------- ------------------- ------------------ -----------------------
    145,840,393           419,919,852      115,502,626          86,666,491        515,318,925             508,442,967   
------------------ --------------------- ---------------- ------------------- ------------------ -----------------------
    290,012,213           689,621,982      132,941,337         123,170,344        613,085,475             615,269,075   
  1,164,848,803           475,226,821      168,980,812          45,810,468        839,089,528             223,820,453   
------------------ --------------------- ---------------- ------------------- ------------------ -----------------------
$ 1,454,861,016       $ 1,164,848,803    $ 301,922,149       $ 168,980,812    $ 1,452,175,003           $ 839,089,528   
================== ===================== ================ =================== ================== =======================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                              
                                                                                                              
                                                                                MIST MET/FRANKLIN TEMPLETON   
                                        MIST MET/FRANKLIN MUTUAL SHARES                   FOUNDING STRATEGY   
                                                            SUB-ACCOUNT                         SUB-ACCOUNT   
                                        ---------------------------------- -----------------------------------
                                                 2010              2009             2010               2009   
                                        ---------------- ----------------- ---------------- ------------------
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
  Net investment income (loss)           $ (1,390,510)       $ (549,255)    $ (7,646,828)      $ (5,049,630)  
  Net realized gains (losses)               1,266,548           (53,543)       2,432,686            451,638   
  Change in unrealized gains (losses)                                                                         
     on investments                         9,275,276         9,923,609       46,152,780         92,147,991   
                                        ---------------- ----------------- ---------------- ------------------
     Net increase (decrease) in net                                                                           
       assets resulting from operations     9,151,314         9,320,811       40,938,638         87,549,999   
                                        ---------------- ----------------- ---------------- ------------------
CONTRACT TRANSACTIONS:                                                                                        
  Purchase payments received from                                                                             
     contract owners                       35,685,384        21,824,367       90,556,345        107,223,575   
  Net transfers (including fixed                                                                              
     account)                              17,119,197        19,440,639       24,451,171         64,570,368   
  Contract charges                           (611,489)         (175,693)      (4,270,744)        (2,316,785)  
  Transfers for contract benefits and                                                                         
     terminations                          (2,680,809)         (996,731)     (19,144,666)       (11,687,873)  
                                        ---------------- ----------------- ---------------- ------------------
     Net increase (decrease) in net                                                                           
       assets resulting from                                                                                  
       contract transactions               49,512,283        40,092,582       91,592,106        157,789,285   
                                        ---------------- ----------------- ---------------- ------------------
     Net increase (decrease) in                                                                               
       net assets                          58,663,597        49,413,393      132,530,744        245,339,284   
NET ASSETS:                                                                                                   
  Beginning of year                        62,452,238        13,038,845      438,687,403        193,348,119   
                                        ---------------- ----------------- ---------------- ------------------
  End of year                           $ 121,115,835      $ 62,452,238    $ 571,218,147      $ 438,687,403   
                                        ================ ================= ================ ==================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                                
                                                                                                                
            MIST SSGA GROWTH ETF     MIST SSGA GROWTH AND INCOME ETF    MIST MET/TEMPLETON INTERNATIONAL BOND   
                     SUB-ACCOUNT                         SUB-ACCOUNT                              SUB-ACCOUNT   
----------------------------------- ----------------------------------- --------------------------------------- 
      2010               2009             2010               2009            2010                  2009 (a)     
---------------- ------------------ ---------------- ------------------ --------------- ------------------------
   $ (475,732)        $ (500,314)    $ (2,837,549)        $ (964,411)     $ (202,517)               $ (28,316)  
    1,702,495          1,358,621          133,539            278,018          44,288                    2,410   
   29,566,077         26,439,276       78,303,612         34,296,659       2,042,343                  237,577   
---------------- ------------------ ---------------- ------------------ --------------- ------------------------
   30,792,840         27,297,583       75,599,602         33,610,266       1,884,114                  211,671   
---------------- ------------------ ---------------- ------------------ --------------- ------------------------
   80,239,314         86,105,143      380,468,433        183,863,776      17,534,053                4,368,717   
   59,618,400         50,157,768      246,936,681         96,458,703       9,043,816                3,873,921   
   (1,658,321)          (168,097)      (4,250,216)          (172,125)       (128,805)                  (3,092)  
   (6,830,381)        (1,590,434)     (17,106,759)        (2,286,739)       (469,277)                 (12,693)  
---------------- ------------------ ---------------- ------------------ --------------- ------------------------
  131,369,012        134,504,380      606,048,139        277,863,615      25,979,787                8,226,853   
---------------- ------------------ ---------------- ------------------ --------------- ------------------------
  162,161,852        161,801,963      681,647,741        311,473,881      27,863,901                8,438,524   
  163,291,494          1,489,531      314,125,011          2,651,130       8,438,524                       --   
---------------- ------------------ ---------------- ------------------ --------------- ------------------------
$ 325,453,346      $ 163,291,494    $ 995,772,752      $ 314,125,011    $ 36,302,425              $ 8,438,524   
================ ================== ================ ================== =============== ========================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                       
                                                                                                       
                                                 MIST               MIST                               
                                        MET/TEMPLETON    MET/EATON VANCE                               
                                               GROWTH      FLOATING RATE    INVESCO V.I. CORE EQUITY   
                                          SUB-ACCOUNT        SUB-ACCOUNT                 SUB-ACCOUNT   
                                        ---------------- ------------------ ---------------------------
                                              2010 (b)           2010 (b)        2010           2009   
                                        ---------------- ------------------ ------------ --------------
INCREASE (DECREASE) IN NET ASSETS:                                                                     
FROM OPERATIONS:                                                                                       
  Net investment income (loss)              $ (52,847)         $ (68,479)    $ (1,724)       $ 1,360   
  Net realized gains (losses)                  (6,335)             3,564          604        (16,052)  
  Change in unrealized gains (losses)                                                                  
     on investments                           499,282            384,248       31,231        103,659   
                                        ---------------- ------------------ ------------ --------------
     Net increase (decrease) in net                                                                    
       assets resulting from operations       440,100            319,333       30,111         88,967   
                                        ---------------- ------------------ ------------ --------------
CONTRACT TRANSACTIONS:                                                                                 
  Purchase payments received from                                                                      
     contract owners                        2,919,536          6,853,875           --             --   
  Net transfers (including fixed                                                                       
     account)                               4,153,672          9,283,240       (4,682)       (10,577)  
  Contract charges                             (5,446)           (16,372)          --             --   
  Transfers for contract benefits and                                                                  
     terminations                            (127,457)          (105,761)     (39,341)       (62,473)  
                                        ---------------- ------------------ ------------ --------------
     Net increase (decrease) in net                                                                    
       assets resulting from                                                                           
       contract transactions                6,940,305         16,014,982      (44,023)       (73,050)  
                                        ---------------- ------------------ ------------ --------------
     Net increase (decrease) in                                                                        
       net assets                           7,380,405         16,334,315      (13,912)        15,917   
NET ASSETS:                                                                                            
  Beginning of year                                --                 --      407,845        391,928   
                                        ---------------- ------------------ ------------ --------------
  End of year                             $ 7,380,405       $ 16,334,315    $ 393,933      $ 407,845   
                                        ================ ================== ============ ==============

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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INVESCO V.I. CAPITAL APPRECIATION    INVESCO V.I. INTERNATIONAL GROWTH    INVESCO V.I. BASIC BALANCED   
                      SUB-ACCOUNT                          SUB-ACCOUNT                    SUB-ACCOUNT   
------------------------------------ ----------------------------------- -------------------------------
     2010                    2009             2010                2009         2010              2009   
------------   --------------------- ----------------   ----------------  ------------  ----------------
   $ (951)               $ (1,132)       $ 562,475           $ 176,901      $ 1,348           $ 8,459   
   (6,842)                (16,131)          41,708             (59,133)      (6,291)          (57,173)  
   26,623                  42,046       10,609,535          13,640,583       20,472           111,144   
------------   --------------------- ----------------   ----------------  ------------  ----------------
   18,830                  24,783       11,213,718          13,758,351       15,529            62,430   
------------   --------------------- ----------------   ----------------  ------------  ----------------
       --                      --       36,782,367          23,590,536           --                --   
      (43)                 (3,492)       2,732,799           1,766,090       (3,757)          (38,367)  
       --                      --         (509,705)           (252,722)          --                --   
  (33,542)                (24,515)      (3,646,505)         (1,507,974)     (17,482)          (50,744)  
------------   --------------------- ----------------   ----------------  ------------  ----------------
  (33,585)                (28,007)      35,358,956          23,595,930      (21,239)          (89,111)  
------------   --------------------- ----------------   ----------------  ------------  ----------------
  (14,755)                 (3,224)      46,572,674          37,354,281       (5,710)          (26,681)  
  157,420                 160,644       65,315,391          27,961,110      262,318           288,999   
------------   --------------------- ----------------   ----------------  ------------  ----------------
$ 142,665               $ 157,420    $ 111,888,065        $ 65,315,391    $ 256,608         $ 262,318   
============   ===================== ================   ================  ============  ================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                         
                                                                                                         
                                        INVESCO V.I. GLOBAL REAL ESTATE      INVESCO V.I. CAPITAL GROWTH 
                                                            SUB-ACCOUNT                      SUB-ACCOUNT 
                                        ---------------------------------- ------------------------------
                                               2010                2009         2010              2009   
                                        -------------- ------------------- ------------ -----------------
INCREASE (DECREASE) IN NET ASSETS:                                                                       
FROM OPERATIONS:                                                                                         
  Net investment income (loss)            $ 262,267           $ (43,055)    $ (1,663)         $ (1,273)  
  Net realized gains (losses)               (35,497)           (195,448)        (661)          (11,410)  
  Change in unrealized appreciation                                                                      
     (depreciation) on investments          795,938           1,256,847       22,436            61,642   
                                        -------------- ------------------- ------------ -----------------
     Net increase (decrease) in net                                                                      
       assets resulting from operations   1,022,708           1,018,344       20,112            48,959   
                                        -------------- ------------------- ------------ -----------------
CONTRACT TRANSACTIONS:                                                                                   
  Payments received from contract                                                                        
     owners                               3,138,876           1,457,840           --                --   
  Net transfers (including fixed                                                                         
     account)                               418,871             140,769          (50)           (3,531)  
  Contract charges                          (40,040)            (21,122)          --                --   
  Transfers for contract benefits &                                                                      
     terminations                          (298,589)           (169,585)      (6,344)          (17,305)  
                                        -------------- ------------------- ------------ -----------------
     Net increase (decrease) in net                                                                      
       assets resulting from                                                                             
       contract transactions              3,219,118           1,407,902       (6,394)          (20,836)  
                                        -------------- ------------------- ------------ -----------------
     Net increase (decrease) in                                                                          
       net assets                         4,241,826           2,426,246       13,718            28,123   
NET ASSETS:                                                                                              
  Beginning of year                       4,786,308           2,360,062      117,046            88,923   
                                        -------------- ------------------- ------------ -----------------
  End of year                           $ 9,028,134         $ 4,786,308    $ 130,764         $ 117,046   
                                        ============== =================== ============ =================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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 INVESCO V.I. GROWTH AND INCOME      INVESCO V.I. EQUITY AND INCOME    INVESCO V.I. U.S. MID CAP VALUE   
                    SUB-ACCOUNT                         SUB-ACCOUNT                        SUB-ACCOUNT   
---------------------------------- ----------------------------------- ----------------------------------
      2010                 2009          2010                  2009         2010                  2009   
---------------- ----------------- ---------------- ------------------ --------------- ------------------
 $ (1,665,286)      $ 1,695,011      $ 1,428,806        $ 2,636,596      $ (112,096)         $ (16,876)  
        5,754           (72,754)        (177,941)        (1,942,156)         20,908           (183,244)  
   16,781,592        17,669,646       29,567,980         39,158,557       4,289,045          3,959,933   
---------------- ----------------- ---------------- ------------------ --------------- ------------------
   15,122,060        19,291,903       30,818,845         39,852,997       4,197,857          3,759,813   
---------------- ----------------- ---------------- ------------------ --------------- ------------------
   40,927,969        31,207,291       75,371,131         63,347,128       9,830,122          4,910,207   
    4,412,046         3,908,767        7,697,762            858,130        (335,610)           (49,234)  
     (662,294)         (338,292)      (1,230,553)          (633,902)       (125,359)           (68,356)  
   (6,967,310)       (3,982,405)     (16,932,459)       (12,262,683)       (829,616)          (345,188)  
---------------- ----------------- ---------------- ------------------ --------------- ------------------
   37,710,411        30,795,361       64,905,881         51,308,673       8,539,537          4,447,429   
---------------- ----------------- ---------------- ------------------ --------------- ------------------
   52,832,471        50,087,264       95,724,726         91,161,670      12,737,394          8,207,242   
  107,604,807        57,517,543      249,400,082        158,238,412      15,401,650          7,194,408   
---------------- ----------------- ---------------- ------------------ --------------- ------------------
$ 160,437,278     $ 107,604,807    $ 345,124,808      $ 249,400,082    $ 28,139,044       $ 15,401,650   
================ ================= ================ ================== =============== ==================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                             
                                                                                             
                                           MFS VIT RESEARCH          MFS VIT INVESTORS TRUST 
                                                SUB-ACCOUNT                      SUB-ACCOUNT 
                                        -------------------------- --------------------------
                                             2010          2009        2010           2009   
                                        ------------ ------------- ----------- --------------
INCREASE (DECREASE) IN NET ASSETS:                                                           
FROM OPERATIONS:                                                                             
  Net investment income (loss)             $ (531)         $ 35       $ (45)         $ 176   
  Net realized gains (losses)               1,434        (3,435)       (490)        (1,543)  
  Change in unrealized appreciation                                                          
     (depreciation) on investments         14,248        27,152       3,782         12,125   
                                        ------------ ------------- ----------- --------------
     Net increase (decrease) in net                                                          
       assets resulting from operations    15,151        23,752       3,247         10,758   
                                        ------------ ------------- ----------- --------------
CONTRACT TRANSACTIONS:                                                                       
  Payments received from contract                                                            
     owners                                    --            --          --             --   
  Net transfers (including fixed                                                             
     account)                                  --        (3,812)         --             --   
  Contract charges                             --            --          --             --   
  Transfers for contract benefits &                                                          
     terminations                         (13,820)       (3,398)    (12,601)        (6,391)  
                                        ------------ ------------- ----------- --------------
     Net increase (decrease) in net                                                          
       assets resulting from                                                                 
       contract transactions              (13,820)       (7,210)    (12,601)        (6,391)  
                                        ------------ ------------- ----------- --------------
     Net increase (decrease) in                                                              
       net assets                           1,331        16,542      (9,354)         4,367   
NET ASSETS:                                                                                  
  Beginning of year                       111,057        94,515      52,758         48,391   
                                        ------------ ------------- ----------- --------------
  End of year                           $ 112,388     $ 111,057    $ 43,404       $ 52,758   
                                        ============ ============= =========== ==============

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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  MFS VIT NEW DISCOVERY    OPPENHEIMER VA MAIN STREET    OPPENHEIMER VA CORE BOND   
            SUB-ACCOUNT                   SUB-ACCOUNT                 SUB-ACCOUNT   
-------------------------- ----------------------------- ---------------------------
    2010           2009         2010             2009       2010             2009   
----------- -------------- ------------ ---------------- ---------- ----------------
  $ (676)        $ (574)      $ (333)           $ 611      $ 781           $ (865)  
   1,723        (10,436)      (1,607)          (3,478)   (25,321)         (34,236)  
  13,838         31,574       17,514           30,582     27,071           34,717   
----------- -------------- ------------ ---------------- ---------- ----------------
  14,885         20,564       15,574           27,715      2,531             (384)  
----------- -------------- ------------ ---------------- ---------- ----------------
      --             --           --               --         --               --   
    (323)       (19,686)          --               --         --          (21,078)  
      --             --           --               --         --               --   
 (13,188)           (41)     (17,151)         (15,288)   (50,402)         (16,787)  
----------- -------------- ------------ ---------------- ---------- ----------------
 (13,511)       (19,727)     (17,151)         (15,288)   (50,402)         (37,865)  
----------- -------------- ------------ ---------------- ---------- ----------------
   1,374            837       (1,577)          12,427    (47,871)         (38,249)  
  45,491         44,654      120,826          108,399     57,756           96,005   
----------- -------------- ------------ ---------------- ---------- ----------------
$ 46,865       $ 45,491    $ 119,249        $ 120,826    $ 9,885         $ 57,756   
=========== ============== ============ ================ ========== ================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                   
                                                                                                                   
                                        OPPENHEIMER VA GLOBAL STRATEGIC INCOME OPPENHEIMER VA MAIN STREET SMALL CAP
                                                                   SUB-ACCOUNT                          SUB-ACCOUNT
                                        -------------------------------------- ------------------------------------
                                           2010                        2009            2010                 2009   
                                        ----------  -------------------------- ---------------  -------------------
INCREASE (DECREASE) IN NET ASSETS:                                                                                 
FROM OPERATIONS:                                                                                                   
  Net investment income (loss)          $ 1,178                      $ (115)     $ (533,716)          $ (245,661)  
  Net realized gains (losses)               610                         (83)        126,865              (27,101)  
  Change in unrealized appreciation                                                                                
     (depreciation) on investments         (781)                      2,311      12,065,565           10,675,311   
                                        ----------  -------------------------- ---------------  -------------------
     Net increase (decrease) in net                                                                                
       assets resulting from operations   1,007                       2,113      11,658,714           10,402,549   
                                        ----------  -------------------------- ---------------  -------------------
CONTRACT TRANSACTIONS:                                                                                             
  Payments received from contract                                                                                  
     owners                                  --                          --      18,693,771           14,554,796   
  Net transfers (including fixed                                                                                   
     account)                                --                          --      (1,159,906)             818,939   
  Contract charges                           --                          --        (343,300)            (175,957)  
  Transfers for contract benefits &                                                                                
     terminations                       (11,485)                       (792)     (2,399,412)          (1,090,745)  
                                        ----------  -------------------------- ---------------  -------------------
     Net increase (decrease) in net                                                                                
       assets resulting from                                                                                       
       contract transactions            (11,485)                       (792)     14,791,153           14,107,033   
                                        ----------  -------------------------- ---------------  -------------------
     Net increase (decrease) in                                                                                    
       net assets                       (10,478)                      1,321      26,449,867           24,509,582   
NET ASSETS:                                                                                                        
  Beginning of year                      14,575                      13,254      43,881,910           19,372,328   
                                        ----------  -------------------------- ---------------  -------------------
  End of year                           $ 4,097                    $ 14,575    $ 70,331,777         $ 43,881,910   
                                        ========== =========================== =============== ====================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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    OPPENHEIMER VA MONEY         FIDELITY VIP ASSET MANAGER                 FIDELITY VIP GROWTH   
             SUB-ACCOUNT                        SUB-ACCOUNT                         SUB-ACCOUNT   
--------------------------- ---------------------------------- -----------------------------------
     2010           2009             2010              2009             2010               2009   
------------ -------------- ---------------- ----------------- ---------------- ------------------
 $ (1,605)      $ (1,340)       $ 303,216         $ 950,626     $ (1,406,064)      $ (1,021,896)  
       --             --       (1,337,144)       (3,930,612)      (2,035,626)        (5,620,142)  
       --             --       12,924,187        25,436,293       30,948,642         34,339,329   
------------ -------------- ---------------- ----------------- ---------------- ------------------
   (1,605)        (1,340)      11,890,259        22,456,307       27,506,952         27,697,291   
------------ -------------- ---------------- ----------------- ---------------- ------------------
       --             --        2,625,696         3,045,081        5,252,607          5,974,891   
       --             --       (3,532,576)       (4,201,921)      (4,311,860)        (5,240,430)  
       --             --          (17,088)          (19,514)         (28,747)           (33,667)  
       (2)       (30,396)     (11,293,877)       (7,713,451)     (11,675,407)        (9,169,633)  
------------ -------------- ---------------- ----------------- ---------------- ------------------
       (2)       (30,396)     (12,217,845)       (8,889,805)     (10,763,407)        (8,468,839)  
------------ -------------- ---------------- ----------------- ---------------- ------------------
   (1,607)       (31,736)        (327,586)       13,566,502       16,743,545         19,228,452   
  117,917        149,653      102,112,475        88,545,973      130,641,959        111,413,507   
------------ -------------- ---------------- ----------------- ---------------- ------------------
$ 116,310      $ 117,917    $ 101,784,889     $ 102,112,475    $ 147,385,504      $ 130,641,959   
============ ============== ================ ================= ================ ==================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                           
                                                                                                           
                                                 FIDELITY VIP CONTRAFUND             FIDELITY VIP OVERSEAS 
                                                             SUB-ACCOUNT                       SUB-ACCOUNT 
                                        ----------------------------------- -------------------------------
                                                 2010               2009           2010             2009   
                                        ---------------- ------------------ -------------- ----------------
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
  Net investment income (loss)             $ (350,918)         $ 229,547        $ 7,515         $ 49,646   
  Net realized gains (losses)              (2,817,261)        (8,147,043)      (210,565)        (335,524)  
  Change in unrealized appreciation                                                                        
     (depreciation) on investments         54,045,265         85,877,398        839,726        1,550,624   
                                        ---------------- ------------------ -------------- ----------------
     Net increase (decrease) in net                                                                        
       assets resulting from operations    50,877,086         77,959,902        636,676        1,264,746   
                                        ---------------- ------------------ -------------- ----------------
CONTRACT TRANSACTIONS:                                                                                     
  Payments received from contract                                                                          
     owners                                48,392,314         37,790,703        110,002          129,298   
  Net transfers (including fixed                                                                           
     account)                              (4,433,949)        (5,777,656)      (181,503)         (11,251)  
  Contract charges                           (680,969)          (373,565)           (61)             (70)  
  Transfers for contract benefits &                                                                        
     terminations                         (27,989,530)       (18,696,848)      (581,613)        (513,397)  
                                        ---------------- ------------------ -------------- ----------------
     Net increase (decrease) in net                                                                        
       assets resulting from                                                                               
       contract transactions               15,287,866         12,942,634       (653,175)        (395,420)  
                                        ---------------- ------------------ -------------- ----------------
     Net increase (decrease) in                                                                            
       net assets                          66,164,952         90,902,536        (16,499)         869,326   
NET ASSETS:                                                                                                
  Beginning of year                       313,576,644        222,674,108      6,282,775        5,413,449   
                                        ---------------- ------------------ -------------- ----------------
  End of year                           $ 379,741,596      $ 313,576,644    $ 6,266,276      $ 6,282,775   
                                        ================ ================== ============== ================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 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 EQUITY-INCOME            FIDELITY VIP INDEX 500            FIDELITY VIP MONEY MARKET   
                  SUB-ACCOUNT                       SUB-ACCOUNT                         SUB-ACCOUNT    
-------------------------------- --------------------------------- ------------------------------------
       2010              2009            2010              2009              2010               2009   
-------------- ----------------- --------------- ----------------- ----------------- ------------------
   $ 21,440          $ 49,168       $ 349,575         $ 736,951      $ (1,226,178)        $ (268,588)  
   (368,831)         (854,761)        747,147        (1,065,596)           49,334                 --   
  1,122,280         2,262,987       7,212,312        14,484,264                --                 --   
-------------- ----------------- --------------- ----------------- ----------------- ------------------
    774,889         1,457,394       8,309,034        14,155,619        (1,176,844)          (268,588)  
-------------- ----------------- --------------- ----------------- ----------------- ------------------
     42,332            19,311               1             3,054     1,083,470,105         54,255,706   
   (216,013)         (257,254)     (2,819,598)       (3,083,161)   (1,061,048,748)       (40,739,904)  
         --                --         (29,920)          (34,782)           (5,638)            (7,822)  
   (789,438)         (800,253)     (7,037,362)       (5,126,122)       (4,468,030)        (4,368,200)  
-------------- ----------------- --------------- ----------------- ----------------- ------------------
   (963,119)       (1,038,196)     (9,886,879)       (8,241,011)       17,947,689          9,139,780   
-------------- ----------------- --------------- ----------------- ----------------- ------------------
   (188,230)          419,198      (1,577,845)        5,914,608        16,770,845          8,871,192   
  6,538,981         6,119,783      70,079,047        64,164,439        50,572,988         41,701,796   
-------------- ----------------- --------------- ----------------- ----------------- ------------------
$ 6,350,751       $ 6,538,981    $ 68,501,202      $ 70,079,047      $ 67,343,833       $ 50,572,988   
============== ================= =============== ================= ================= ==================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                               
                                                                                                               
                                                   FIDELITY VIP MID CAP        FIDELITY VIP FUNDSMANAGER 60%   
                                                            SUB-ACCOUNT                          SUB-ACCOUNT   
                                        ---------------------------------- ------------------------------------
                                                 2010              2009               2010           2009 (c)  
                                        ---------------- ----------------- ------------------ -----------------
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
  Net investment income (loss)           $ (1,744,848)       $ (629,458)       $ 3,900,321         $ 401,046   
  Net realized gains (losses)                 558,154           312,025          2,447,161            38,717   
  Change in unrealized appreciation                                                                            
     (depreciation) on investments         36,279,089        24,075,131         84,722,208          (356,360)  
                                        ---------------- ----------------- ------------------ -----------------
     Net increase (decrease) in net                                                                            
       assets resulting from operations    35,092,395        23,757,698         91,069,690            83,403   
                                        ---------------- ----------------- ------------------ -----------------
CONTRACT TRANSACTIONS:                                                                                         
  Payments received from contract                                                                              
     owners                                56,263,722        33,950,852            605,734        (1,091,042)  
  Net transfers (including fixed                                                                               
     account)                                (555,816)        3,031,315      1,058,443,175        37,223,652   
  Contract charges                           (681,019)         (268,436)                --                --   
  Transfers for contract benefits &                                                                            
     terminations                          (6,657,156)       (3,171,116)        (9,735,236)             (689)  
                                        ---------------- ----------------- ------------------ -----------------
     Net increase (decrease) in net                                                                            
       assets resulting from                                                                                   
       contract transactions               48,369,731        33,542,615      1,049,313,673        36,131,921   
                                        ---------------- ----------------- ------------------ -----------------
     Net increase (decrease) in                                                                                
       net assets                          83,462,126        57,300,313      1,140,383,363        36,215,324   
NET ASSETS:                                                                                                    
  Beginning of year                       103,784,411        46,484,098         36,215,324                --   
                                        ---------------- ----------------- ------------------ -----------------
  End of year                           $ 187,246,537     $ 103,784,411    $ 1,176,598,687      $ 36,215,324   
                                        ================ ================= ================== =================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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             DWS INTERNATIONAL             MSF FI VALUE LEADERS            MSF RUSSELL 2000 INDEX  
                   SUB-ACCOUNT                      SUB-ACCOUNT                       SUB-ACCOUNT  
--------------------------------- ------------------------------- ---------------------------------
        2010              2009           2010             2009            2010              2009   
--------------- ----------------- -------------- ---------------- --------------- -----------------
   $ 171,534         $ 588,316      $ (15,392)        $ 30,744      $ (198,940)         $ 20,581   
    (987,076)       (1,165,546)      (191,128)        (302,926)         84,268          (560,773)  
     751,044         6,007,926        775,693          956,728       7,422,690         2,716,791   
--------------- ----------------- -------------- ---------------- --------------- -----------------
     (64,498)        5,430,696        569,173          684,546       7,308,018         2,176,599   
--------------- ----------------- -------------- ---------------- --------------- -----------------
   1,099,752         1,284,790        930,358          230,413      17,061,843         5,084,961   
    (923,121)         (465,091)       234,046           73,108       8,588,645         3,198,545   
      (3,204)           (3,929)       (26,263)         (20,896)       (110,588)           (3,189)  
  (1,991,327)       (1,509,984)      (512,619)        (117,899)     (1,392,164)         (417,963)  
--------------- ----------------- -------------- ---------------- --------------- -----------------
  (1,817,900)         (694,214)       625,522          164,726      24,147,736         7,862,354   
--------------- ----------------- -------------- ---------------- --------------- -----------------
  (1,882,398)        4,736,482      1,194,695          849,272      31,455,754        10,038,953   
  22,845,161        18,108,679      4,072,835        3,223,563      15,337,009         5,298,056   
--------------- ----------------- -------------- ---------------- --------------- -----------------
$ 20,962,763      $ 22,845,161    $ 5,267,530      $ 4,072,835    $ 46,792,763      $ 15,337,009   
=============== ================= ============== ================ =============== =================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                            
                                                                                                            
                                        MSF ARTIO INTERNATIONAL STOCK             MSF METLIFE STOCK INDEX   
                                                          SUB-ACCOUNT                         SUB-ACCOUNT   
                                        -------------------------------- -----------------------------------
                                               2010              2009             2010               2009   
                                        -------------- ----------------- ---------------- ------------------
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
  Net investment income (loss)             $ (7,860)        $ (41,775)      $ (321,143)         $ 845,701   
  Net realized gains (losses)              (397,491)         (536,794)      (1,255,570)        (2,515,307)  
  Change in unrealized appreciation                                                                         
     (depreciation) on investments          580,114         1,254,318       38,151,546         57,162,274   
                                        -------------- ----------------- ---------------- ------------------
     Net increase (decrease) in net                                                                         
       assets resulting from operations     174,763           675,749       36,574,833         55,492,668   
                                        -------------- ----------------- ---------------- ------------------
CONTRACT TRANSACTIONS:                                                                                      
  Payments received from contract                                                                           
     owners                                  16,090            26,434       42,455,345         36,568,257   
  Net transfers (including fixed                                                                            
     account)                               205,234            12,211        3,607,353         38,578,203   
  Contract charges                           (1,253)           (1,363)      (1,245,063)          (792,619)  
  Transfers for contract benefits &                                                                         
     terminations                          (370,265)         (297,210)     (19,449,033)       (12,769,515)  
                                        -------------- ----------------- ---------------- ------------------
     Net increase (decrease) in net                                                                         
       assets resulting from                                                                                
       contract transactions               (150,194)         (259,928)      25,368,602         61,584,326   
                                        -------------- ----------------- ---------------- ------------------
     Net increase (decrease) in                                                                             
       net assets                            24,569           415,821       61,943,435        117,076,994   
NET ASSETS:                                                                                                 
  Beginning of year                       3,955,132         3,539,311      281,243,641        164,166,647   
                                        -------------- ----------------- ---------------- ------------------
  End of year                           $ 3,979,701       $ 3,955,132    $ 343,187,076      $ 281,243,641   
                                        ============== ================= ================ ==================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 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 LEGACY LARGE CAP GROWTH    MSF NEUBERGER BERMAN GENESIS         MSF BLACKROCK BOND INCOME   
                          SUB-ACCOUNT                     SUB-ACCOUNT                       SUB-ACCOUNT   
---------------------------------------- ------------------------------- ---------------------------------
       2010                      2009           2010             2009            2010              2009   
-------------- ------------------------- -------------- ---------------- --------------- -----------------
 $ (117,547)                $ (78,977)     $ (71,882)       $ (18,016)      $ 946,236       $ 1,764,401   
    313,167                   101,626       (650,477)        (601,664)         88,985          (268,086)  
  1,246,529                 2,007,220      2,336,728        1,528,950       1,711,245         1,156,351   
-------------- ------------------------- -------------- ---------------- --------------- -----------------
  1,442,149                 2,029,869      1,614,369          909,270       2,746,466         2,652,666   
-------------- ------------------------- -------------- ---------------- --------------- -----------------
    718,471                   409,354        913,386        1,142,383       7,431,346         7,000,686   
   (103,953)                5,415,621       (369,832)        (409,962)        (24,972)        3,408,567   
    (44,148)                  (24,684)          (690)            (728)       (346,239)         (239,391)  
   (868,449)                 (442,875)      (920,397)        (525,459)     (5,107,032)       (2,881,747)  
-------------- ------------------------- -------------- ---------------- --------------- -----------------
   (298,079)                5,357,416       (377,533)         206,234       1,953,103         7,288,115   
-------------- ------------------------- -------------- ---------------- --------------- -----------------
  1,144,070                 7,387,285      1,236,836        1,115,504       4,699,569         9,940,781   
  8,419,085                 1,031,800      8,493,213        7,377,709      42,636,576        32,695,795   
-------------- ------------------------- -------------- ---------------- --------------- -----------------
$ 9,563,155               $ 8,419,085    $ 9,730,049      $ 8,493,213    $ 47,336,145      $ 42,636,576   
============== ========================= ============== ================ =============== =================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                     
                                                                                                                     
                                        MSF BLACKROCK LARGE CAP VALUE    MSF BARCLAYS CAPITAL AGGREGATE BOND INDEX   
                                                          SUB-ACCOUNT                                  SUB-ACCOUNT   
                                        -------------------------------- --------------------------------------------
                                               2010              2009            2010                         2009   
                                        -------------- ----------------- --------------- ----------------------------
INCREASE (DECREASE) IN NET ASSETS:                                                                                   
FROM OPERATIONS:                                                                                                     
  Net investment income (loss)             $ (6,964)          $ 5,693       $ 605,025                    $ 313,687   
  Net realized gains (losses)              (131,394)         (205,113)        114,537                        7,943   
  Change in unrealized appreciation                                                                                  
     (depreciation) on investments          334,187           443,173         572,374                       76,682   
                                        -------------- ----------------- --------------- ----------------------------
     Net increase (decrease) in net                                                                                  
       assets resulting from operations     195,829           243,753       1,291,936                      398,312   
                                        -------------- ----------------- --------------- ----------------------------
CONTRACT TRANSACTIONS:                                                                                               
  Payments received from contract                                                                                    
     owners                                 206,964           219,198      39,404,408                   13,077,565   
  Net transfers (including fixed                                                                                     
     account)                                 5,765                25      18,788,029                    9,346,152   
  Contract charges                             (291)             (269)       (281,641)                      (7,068)  
  Transfers for contract benefits &                                                                                  
     terminations                          (319,095)         (144,128)     (2,421,734)                    (817,015)  
                                        -------------- ----------------- --------------- ----------------------------
     Net increase (decrease) in net                                                                                  
       assets resulting from                                                                                         
       contract transactions               (106,657)           74,826      55,489,062                   21,599,634   
                                        -------------- ----------------- --------------- ----------------------------
     Net increase (decrease) in                                                                                      
       net assets                            89,172           318,579      56,780,998                   21,997,946   
NET ASSETS:                                                                                                          
  Beginning of year                       2,783,413         2,464,834      29,893,966                    7,896,020   
                                        -------------- ----------------- --------------- ----------------------------
  End of year                           $ 2,872,585       $ 2,783,413    $ 86,674,964                 $ 29,893,966   
                                        ============== ================= =============== ============================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                     
                                                                                                     
      MSF MFS VALUE                MSF MORGAN STANLEY EAFE INDEX              MSF MFS TOTAL RETURN   
        SUB-ACCOUNT                                  SUB-ACCOUNT                       SUB-ACCOUNT   
--------------------------------- --------------------------------- --------------------------------=
        2010              2009            2010              2009            2010              2009   
--------------- ----------------- --------------- ----------------- --------------- -----------------
  $ (135,936)       $ (439,728)      $ 300,599         $ 301,592       $ 521,435         $ 927,608   
    (310,701)         (645,688)       (373,439)         (165,572)       (860,808)       (1,798,808)  
   4,411,295         6,208,062       3,884,414         3,702,628       3,449,400         6,598,073   
--------------- ----------------- --------------- ----------------- --------------- -----------------
   3,964,658         5,122,646       3,811,574         3,838,648       3,110,027         5,726,873   
--------------- ----------------- --------------- ----------------- --------------- -----------------
   6,763,435         5,093,158      21,515,731         9,512,540       2,095,943         2,991,527   
   2,915,996         3,024,185       8,263,400         3,378,259        (777,300)        1,298,745   
    (238,593)         (154,910)       (160,371)           (2,492)        (82,268)          (69,493)  
  (1,959,275)       (1,308,639)     (1,694,141)         (806,974)     (4,441,917)       (3,285,692)  
--------------- ----------------- --------------- ----------------- --------------- -----------------
   7,481,563         6,653,794      27,924,619        12,081,333      (3,205,542)          935,087   
--------------- ----------------- --------------- ----------------- --------------- -----------------
  11,446,221        11,776,440      31,736,193        15,919,981         (95,515)        6,661,960   
  33,984,060        22,207,620      27,098,496        11,178,515      40,772,224        34,110,264   
--------------- ----------------- --------------- ----------------- --------------- -----------------
$ 45,430,281      $ 33,984,060    $ 58,834,689      $ 27,098,496    $ 40,676,709      $ 40,772,224   
=============== ================= =============== ================= =============== =================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                              
                                                                                                              
                                        MSF METLIFE MID CAP STOCK INDEX             MSF DAVIS VENTURE VALUE   
                                                            SUB-ACCOUNT                         SUB-ACCOUNT   
                                        ---------------------------------- -----------------------------------
                                              2010               2009             2010               2009     
                                        --------------- ------------------ ---------------- ------------------
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
  Net investment income (loss)            $ (260,215)          $ 27,603     $ (3,847,449)      $ (1,002,867)  
  Net realized gains (losses)                (14,190)            87,129          724,558         (1,256,250)  
  Change in unrealized appreciation                                                                           
     (depreciation) on investments         9,587,123          4,737,345       57,763,744        114,664,484   
                                        --------------- ------------------ ---------------- ------------------
     Net increase (decrease) in net                                                                           
       assets resulting from operations    9,312,718          4,852,077       54,640,853        112,405,367   
                                        --------------- ------------------ ---------------- ------------------
CONTRACT TRANSACTIONS:                                                                                        
  Payments received from contract                                                                             
     owners                               19,332,219          6,623,277       88,556,952         57,257,190   
  Net transfers (including fixed                                                                              
     account)                              8,788,748          2,625,094        8,497,558          3,145,313   
  Contract charges                          (121,148)            (1,513)      (2,997,527)        (2,252,605)  
  Transfers for contract benefits &                                                                           
     terminations                         (1,822,663)          (795,299)     (29,777,128)       (22,653,418)  
                                        --------------- ------------------ ---------------- ------------------
     Net increase (decrease) in net                                                                           
       assets resulting from                                                                                  
       contract transactions              26,177,156          8,451,559       64,279,855         35,496,480   
                                        --------------- ------------------ ---------------- ------------------
     Net increase (decrease) in                                                                               
       net assets                         35,489,874         13,303,636      118,920,708        147,901,847   
NET ASSETS:                                                                                                   
  Beginning of year                       23,983,061         10,679,425      487,864,492        339,962,645   
                                        --------------- ------------------ ---------------- ------------------
  End of year                           $ 59,472,935       $ 23,983,061    $ 606,785,200      $ 487,864,492   
                                        =============== ================== ================ ==================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                         
                                                                                                         
   MSF MET/ARTISAN MID CAP VALUE                 MSF JENNISON GROWTH        MSF BLACKROCK MONEY MARKET   
                     SUB-ACCOUNT                         SUB-ACCOUNT                       SUB-ACCOUNT   
----------------------------------- ----------------------------------- ---------------------------------
      2010               2009             2010               2009             2010             2009      
---------------- ------------------ ---------------- ------------------ ---------------- ----------------
 $ (2,016,341)      $ (1,285,694)    $ (2,553,927)      $ (2,362,276)    $ (9,500,601)    $ (8,628,982)  
   (8,689,096)       (12,233,086)         113,415         (1,582,386)              --               --   
   35,137,677         69,654,908       23,243,885         51,528,912               --               --   
---------------- ------------------ ---------------- ------------------ ---------------- ----------------
   24,432,240         56,136,128       20,803,373         47,584,250       (9,500,601)      (8,628,982)  
---------------- ------------------ ---------------- ------------------ ---------------- ----------------
   15,548,005          9,640,019       37,818,417         27,418,833      200,280,780      247,789,417   
   (7,453,544)        (5,448,819)       6,868,212         12,415,738     (102,198,285)    (167,281,841)  
   (1,007,295)          (914,020)      (1,222,061)          (802,758)      (4,785,118)      (3,693,120)  
  (13,585,886)       (10,206,566)     (11,101,785)        (8,371,760)    (106,443,255)     (86,957,735)  
---------------- ------------------ ---------------- ------------------ ---------------- ----------------
   (6,498,720)        (6,929,386)      32,362,783         30,660,053      (13,145,878)     (10,143,279)  
---------------- ------------------ ---------------- ------------------ ---------------- ----------------
   17,933,520         49,206,742       53,166,156         78,244,303      (22,646,479)     (18,772,261)  
  195,923,686        146,716,944      190,651,501        112,407,198      576,532,284      595,304,545   
---------------- ------------------ ---------------- ------------------ ---------------- ----------------
$ 213,857,206      $ 195,923,686    $ 243,817,657      $ 190,651,501    $ 553,885,805    $ 576,532,284   
================ ================== ================ ================== ================ ================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                
                                                                                                                
                                                                                 MSF WESTERN ASSET MANAGEMENT   
                                        MSF T. ROWE PRICE SMALL CAP GROWTH                    U.S. GOVERNMENT   
                                                               SUB-ACCOUNT                        SUB-ACCOUNT   
                                        ------------------------------------- ----------------------------------
                                             2010                   2009             2010              2009     
                                        --------------     ------------------ ----------------     -------------
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
  Net investment income (loss)           $ (110,115)             $ (77,786)     $ 1,314,477       $ 2,834,557   
  Net realized gains (losses)               262,986                 16,037          693,982          (437,814)  
  Change in unrealized appreciation                                                                             
     (depreciation) on investments        1,841,343              1,900,637        3,670,982           506,647   
                                        -------------- ---------------------- ---------------- -----------------
     Net increase (decrease) in net                                                                             
       assets resulting from operations   1,994,214              1,838,888        5,679,441         2,903,390   
                                        -------------- ---------------------- ---------------- -----------------
CONTRACT TRANSACTIONS:                                                                                          
  Payments received from contract                                                                               
     owners                                 153,649              1,681,267       59,447,399        46,830,938   
  Net transfers (including fixed                                                                                
     account)                               152,774                (63,313)      20,021,970        14,855,368   
  Contract charges                          (55,446)               (31,369)      (1,131,770)         (516,513)  
  Transfers for contract benefits &                                                                             
     terminations                          (366,307)              (262,411)     (10,034,988)       (8,499,279)  
                                        -------------- ---------------------- ---------------- -----------------
     Net increase (decrease) in net                                                                             
       assets resulting from                                                                                    
       contract transactions               (115,330)             1,324,174       68,302,611        52,670,514   
                                        -------------- ---------------------- ---------------- -----------------
     Net increase (decrease) in                                                                                 
       net assets                         1,878,884              3,163,062       73,982,052        55,573,904   
NET ASSETS:                                                                                                     
  Beginning of year                       6,406,764              3,243,702      140,925,866        85,351,962   
                                        -------------- ---------------------- ---------------- -----------------
  End of year                           $ 8,285,648            $ 6,406,764    $ 214,907,918     $ 140,925,866   
                                        ============== ====================== ================ =================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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MSF OPPENHEIMER GLOBAL EQUITY    MSF METLIFE AGGRESSIVE ALLOCATION    MSF METLIFE CONSERVATIVE ALLOCATION   
                  SUB-ACCOUNT                          SUB-ACCOUNT                            SUB-ACCOUNT   
-------------------------------- ------------------------------------ --------------------------------------
        2010             2009           2010                  2009           2010                    2009   
--------------- ---------------- -------------- --------------------- -------------- -----------------------
   $ (12,767)        $ 77,188      $ (12,711)              $ 7,084      $ 275,768               $ 108,062   
    (121,999)        (449,562)       (45,643)             (123,785)       354,562                  40,974   
   1,598,724        3,493,463        292,785               523,966        307,150               1,147,227   
--------------- ---------------- -------------- --------------------- -------------- -----------------------
   1,463,958        3,121,089        234,431               407,265        937,480               1,296,263   
--------------- ---------------- -------------- --------------------- -------------- -----------------------
      45,146          983,118          1,241                    --         74,196                 249,427   
    (349,931)        (458,676)       288,322                80,850     (1,366,604)              3,917,097   
     (46,244)         (35,753)        (8,043)               (7,755)       (80,329)                (66,864)  
    (744,464)        (606,217)      (191,376)              (27,470)      (337,980)               (277,955)  
--------------- ---------------- -------------- --------------------- -------------- -----------------------
  (1,095,493)        (117,528)        90,144                45,625     (1,710,717)              3,821,705   
--------------- ---------------- -------------- --------------------- -------------- -----------------------
     368,465        3,003,561        324,575               452,890       (773,237)              5,117,968   
  10,903,654        7,900,093      1,636,073             1,183,183     10,771,428               5,653,460   
--------------- ---------------- -------------- --------------------- -------------- -----------------------
$ 11,272,119     $ 10,903,654    $ 1,960,648           $ 1,636,073    $ 9,998,191            $ 10,771,428   
=============== ================ ============== ===================== ============== =======================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                           
                                                                                                           
                                          MSF METLIFE CONSERVATIVE TO                                      
                                                  MODERATE ALLOCATION     MSF METLIFE MODERATE ALLOCATION  
                                                          SUB-ACCOUNT                         SUB-ACCOUNT  
                                        -------------------------------- ------------------- --------------
                                              2010              2009            2010               2009    
                                        -------------- ----------------- --------------- ------------------
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
  Net investment income (loss)            $ 138,702          $ 96,066       $ 363,596          $ 480,991   
  Net realized gains (losses)               107,507           (84,391)       (281,593)          (164,634)  
  Change in unrealized appreciation                                                                        
     (depreciation) on investments          548,177         1,460,263       4,846,286          8,417,844   
                                        -------------- ----------------- --------------- ------------------
     Net increase (decrease) in net                                                                        
       assets resulting from operations     794,386         1,471,938       4,928,289          8,734,201   
                                        -------------- ----------------- --------------- ------------------
CONTRACT TRANSACTIONS:                                                                                     
  Payments received from contract                                                                          
     owners                                  69,146           239,794         416,630            579,503   
  Net transfers (including fixed                                                                           
     account)                               (80,023)        1,735,556         941,258          1,258,223   
  Contract charges                          (70,068)          (61,473)       (393,540)          (370,296)  
  Transfers for contract benefits &                                                                        
     terminations                          (471,770)         (271,981)     (2,033,561)        (1,131,673)  
                                        -------------- ----------------- --------------- ------------------
     Net increase (decrease) in net                                                                        
       assets resulting from                                                                               
       contract transactions               (552,715)        1,641,896      (1,069,213)           335,757   
                                        -------------- ----------------- --------------- ------------------
     Net increase (decrease) in                                                                            
       net assets                           241,671         3,113,834       3,859,076          9,069,958   
NET ASSETS:                                                                                                
  Beginning of year                       9,016,185         5,902,351      44,856,785         35,786,827   
                                        -------------- ----------------- --------------- ------------------
  End of year                           $ 9,257,856       $ 9,016,185    $ 48,715,861       $ 44,856,785   
                                        ============== ================= =============== ==================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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       MSF METLIFE MODERATE TO                                                                             
         AGGRESSIVE ALLOCATION    MSF T. ROWE PRICE LARGE CAP GROWTH    MSF LOOMIS SAYLES SMALL CAP CORE   
                   SUB-ACCOUNT                           SUB-ACCOUNT                         SUB-ACCOUNT   
--------------------------------- ------------------------------------- -----------------------------------
      2010              2009           2010                   2009           2010                 2009     
--------------- ----------------- -------------- ---------------------- -------------- --------------------
   $ 219,362         $ 381,794      $ (17,880)             $ (10,951)     $ (66,625)           $ (12,405)  
    (651,563)       (2,006,955)         4,288                (39,827)        52,849                4,026   
   6,983,802        13,286,168        174,952                358,699      1,146,011              269,382   
--------------- ----------------- -------------- ---------------------- -------------- --------------------
   6,551,601        11,661,007        161,360                307,921      1,132,235              261,003   
--------------- ----------------- -------------- ---------------------- -------------- --------------------
     283,570         1,922,699          4,645                  3,657      3,008,912            1,275,264   
     770,376        (4,213,495)       156,041                363,170      1,307,578              446,280   
    (520,426)         (506,223)          (517)                  (548)       (28,834)              (1,578)  
  (1,880,898)         (975,857)      (117,700)               (77,528)      (186,487)             (10,460)  
--------------- ----------------- -------------- ---------------------- -------------- --------------------
  (1,347,378)       (3,772,876)        42,469                288,751      4,101,169            1,709,506   
--------------- ----------------- -------------- ---------------------- -------------- --------------------
   5,204,223         7,888,131        203,829                596,672      5,233,404            1,970,509   
  52,562,753        44,674,622      1,161,818                565,146      1,990,671               20,162   
--------------- ----------------- -------------- ---------------------- -------------- --------------------
$ 57,766,976      $ 52,562,753    $ 1,365,647            $ 1,161,818    $ 7,224,075          $ 1,990,671   
=============== ================= ============== ====================== ============== ====================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                               
                                                                                                               
                                                                                         MSF MET/DIMENSIONAL   
                                        MSF NEUBERGER BERMAN MID CAP VALUE       INTERNATIONAL SMALL COMPANY   
                                                               SUB-ACCOUNT                       SUB-ACCOUNT   
                                        ------------------------------------ ------------------- ------------- 
                                             2010                 2009             2010              2009      
                                        -------------- ---------------------- --------------- -----------------
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
  Net investment income (loss)            $ (10,254)              $ (1,089)      $ (74,101)       $ (136,028)  
  Net realized gains (losses)                14,391                  7,311       1,440,494           389,832   
  Change in unrealized appreciation                                                                            
     (depreciation) on investments          277,374                 48,105       4,020,489         2,668,479   
                                        -------------- ---------------------- --------------- -----------------
     Net increase (decrease) in net                                                                            
       assets resulting from operations     281,511                 54,327       5,386,882         2,922,283   
                                        -------------- ---------------------- --------------- -----------------
CONTRACT TRANSACTIONS:                                                                                         
  Payments received from contract                                                                              
     owners                               1,248,510                147,926      11,080,864         5,686,215   
  Net transfers (including fixed                                                                               
     account)                               245,962                  7,125       3,658,370         9,413,696   
  Contract charges                           (3,205)                  (199)       (146,969)          (25,184)  
  Transfers for contract benefits &                                                                            
     terminations                           (13,696)                (2,198)     (1,665,871)         (688,189)  
                                        -------------- ---------------------- --------------- -----------------
     Net increase (decrease) in net                                                                            
       assets resulting from                                                                                   
       contract transactions              1,477,571                152,654      12,926,394        14,386,538   
                                        -------------- ---------------------- --------------- -----------------
     Net increase (decrease) in                                                                                
       net assets                         1,759,082                206,981      18,313,276        17,308,821   
NET ASSETS:                                                                                                    
  Beginning of year                         225,554                 18,573      17,436,960           128,139   
                                        -------------- ---------------------- --------------- -----------------
  End of year                           $ 1,984,636              $ 225,554    $ 35,750,236      $ 17,436,960   
                                        ============== ====================== =============== =================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                      
                                                                                                      
                                             FEDERATED                                     FEDERATED  
MSF VAN ECK GLOBAL NATURAL RESOURCES    CAPITAL INCOME    FEDERATED HIGH INCOME BOND         KAUFMAN  
                         SUB-ACCOUNT       SUB-ACCOUNT                   SUB-ACCOUNT     SUB-ACCOUNT  
--------------------------------------- ----------------- ----------------------------- --------------
        2010                 2009 (a)          2010 (d)       2010              2009        2010 (d)  
--------------- ----------------------- ----------------- ----------- ----------------- --------------
  $ (514,602)              $ (71,165)           $ (139)    $ 1,812           $ 2,008         $ (834)  
   2,100,435                      --               (39)        (31)          (17,126)           (21)  
  12,805,750               1,451,075             1,123       1,676            24,323         10,091   
--------------- ----------------------- ----------------- ----------- ----------------- --------------
  14,391,583               1,379,910               945       3,457             9,205          9,236   
--------------- ----------------------- ----------------- ----------- ----------------- --------------
  29,380,798              10,642,485                --          --                --             --   
  13,938,995               5,676,473            18,638          --           (34,355)        76,417   
    (264,726)                 (5,434)               --          --                --             --   
    (710,853)                (57,508)           (5,725)       (137)             (245)        (5,779)  
--------------- ----------------------- ----------------- ----------- ----------------- --------------
  42,344,214              16,256,016            12,913        (137)          (34,600)        70,638   
--------------- ----------------------- ----------------- ----------- ----------------- --------------
  56,735,797              17,635,926            13,858       3,320           (25,395)        79,874   
  17,635,926                      --                --      26,300            51,695             --   
--------------- ----------------------- ----------------- ----------- ----------------- --------------
$ 74,371,723            $ 17,635,926          $ 13,858    $ 29,620          $ 26,300       $ 79,874   
=============== ======================= ================= =========== ================= ==============

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                     
                                                                                                     
                                               NEUBERGER GENESIS              ALGER SMALL CAP GROWTH 
                                                     SUB-ACCOUNT                         SUB-ACCOUNT 
                                        --------------------------- ---------------------------------
                                           2010           2009           2010              2009      
                                        ---------- ---------------- --------------- -----------------
INCREASE (DECREASE) IN NET ASSETS:                                                                   
FROM OPERATIONS:                                                                                     
  Net investment income (loss)            $ (79)           $ (74)     $ (711,530)       $ (582,628)  
  Net realized gains (losses)               463              125        (350,422)       (1,582,055)  
  Change in unrealized appreciation                                                                  
     (depreciation) on investments        1,309            1,945      12,464,995        18,064,321   
                                        ---------- ---------------- --------------- -----------------
     Net increase (decrease) in net                                                                  
       assets resulting from operations   1,693            1,996      11,403,043        15,899,638   
                                        ---------- ---------------- --------------- -----------------
CONTRACT TRANSACTIONS:                                                                               
  Payments received from contract                                                                    
     owners                                  --               --       2,401,744         2,390,957   
  Net transfers (including fixed                                                                     
     account)                                --               --      (1,760,881)       (1,180,545)  
  Contract charges                           --               --         (11,016)          (12,110)  
  Transfers for contract benefits &                                                                  
     terminations                        (1,815)          (1,357)     (5,259,755)       (3,372,072)  
                                        ---------- ---------------- --------------- -----------------
     Net increase (decrease) in net                                                                  
       assets resulting from                                                                         
       contract transactions             (1,815)          (1,357)     (4,629,908)       (2,173,770)  
                                        ---------- ---------------- --------------- -----------------
     Net increase (decrease) in                                                                      
       net assets                          (122)             639       6,773,135        13,725,868   
NET ASSETS:                                                                                          
  Beginning of year                       8,785            8,146      51,552,207        37,826,339   
                                        ---------- ---------------- --------------- -----------------
  End of year                           $ 8,663          $ 8,785    $ 58,325,342      $ 51,552,207   
                                        ========== ================ =============== =================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                 
                                                                                                 
  T. ROWE PRICE GROWTH STOCK    T. ROWE PRICE INTERNATIONAL STOCK     T. ROWE PRICE PRIME RESERVE
                 SUB-ACCOUNT                         SUB-ACCOUNT                      SUB-ACCOUNT
------------------------------- --------------------------------- -------------------------------
       2010             2009         2010                2009           2010             2009    
-------------- ---------------- ------------ -------------------- -------------- ----------------
  $ (56,018)       $ (40,245)     $ 2,058            $ 11,369      $  (12,183)       $ (13,228)  
     12,135         (204,643)      (5,699)            (30,033)             --               62   
  1,033,917        2,364,460      114,449             320,779              --              (77)  
-------------- ---------------- ------------ -------------------- -------------- ----------------
    990,034        2,119,572      110,808             302,115         (12,183)         (13,243)  
-------------- ---------------- ------------ -------------------- -------------- ----------------
    203,128          252,296       38,671              37,268              --              555   
   (490,172)        (345,144)     (74,296)            (55,201)         27,384         (611,809)  
     (1,988)          (2,143)        (245)               (244)           (299)            (469)  
   (523,405)        (358,485)     (20,782)            (16,963)       (150,759)        (193,032)  
-------------- ---------------- ------------ -------------------- -------------- ----------------
   (812,437)        (453,476)     (56,652)            (35,140)       (123,674)        (804,755)  
-------------- ---------------- ------------ -------------------- -------------- ----------------
    177,597        1,666,096       54,156             266,975        (135,857)        (817,998)  
  6,993,261        5,327,165      877,970             610,995       1,400,475        2,218,473   
-------------- ---------------- ------------ -------------------- -------------- ----------------
$ 7,170,858      $ 6,993,261    $ 932,126           $ 877,970     $ 1,264,618      $ 1,400,475   
============== ================ ============ ==================== ============== ================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                    
                                                                                                                    
                                        JANUS ASPEN WORLDWIDE          AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION   
                                                  SUB-ACCOUNT                                         SUB-ACCOUNT   
                                        ------------------------------ ---------------------------------------------
                                               2010           2009            2010                         2009     
                                        ------------- ---------------- --------------- -----------------------------
INCREASE (DECREASE) IN NET ASSETS:                                                                                  
FROM OPERATIONS:                                                                                                    
  Net investment income (loss)               $ (15)            $ 30       $ 262,137                    $ (422,773)  
  Net realized gains (losses)                   51             (118)       (620,368)                   (1,694,311)  
  Change in unrealized appreciation                                                                                 
     (depreciation) on investments             785            1,751      13,607,870                    21,104,646   
                                        ------------- ---------------- --------------- -----------------------------
     Net increase (decrease) in net                                                                                 
       assets resulting from operations        821            1,663      13,249,639                    18,987,562   
                                        ------------- ---------------- --------------- -----------------------------
CONTRACT TRANSACTIONS:                                                                                              
  Payments received from contract                                                                                   
     owners                                     --               --      15,736,532                    11,280,934   
  Net transfers (including fixed                                                                                    
     account)                                   --               --      (1,915,026)                    3,523,195   
  Contract charges                              --               --        (292,049)                     (163,746)  
  Transfers for contract benefits &                                                                                 
     terminations                             (600)            (396)     (4,804,773)                   (2,448,047)  
                                        ------------- ---------------- --------------- -----------------------------
     Net increase (decrease) in net                                                                                 
       assets resulting from                                                                                        
       contract transactions                  (600)            (396)      8,724,684                    12,192,336   
                                        ------------- ---------------- --------------- -----------------------------
     Net increase (decrease) in                                                                                     
       net assets                              221            1,267      21,974,323                    31,179,898   
NET ASSETS:                                                                                                         
  Beginning of year                          6,285            5,018      58,608,602                    27,428,704   
                                        ------------- ---------------- --------------- -----------------------------
  End of year                              $ 6,506          $ 6,285    $ 80,582,925                  $ 58,608,602   
                                        ============= ================ =============== =============================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                           
                                                                                                           
           AMERICAN FUNDS GROWTH        AMERICAN FUNDS GROWTH-INCOME        AMERICAN FUNDS GLOBAL GROWTH   
                     SUB-ACCOUNT                         SUB-ACCOUNT                         SUB-ACCOUNT   
----------------------------------- -------------------- -------------- -------------------- --------------
       2010              2009             2010               2009             2010               2009      
---------------- ------------------ ---------------- ------------------ ---------------- ------------------
 $ (3,431,734)      $ (2,543,759)        $ 54,092          $ 322,059         $ 62,593          $ (61,017)  
     (567,706)        (1,802,447)        (942,084)        (1,316,628)        (242,233)        (1,759,994)  
   84,253,153        109,262,944       24,414,298         48,223,682       18,852,792         45,865,486   
---------------- ------------------ ---------------- ------------------ ---------------- ------------------
   80,253,713        104,916,738       23,526,306         47,229,113       18,673,152         44,044,475   
---------------- ------------------ ---------------- ------------------ ---------------- ------------------
  107,355,899         95,440,088       42,925,104         41,542,923       31,999,173         25,741,878   
   (6,071,807)         6,549,517       (1,498,795)         4,722,600        1,300,586         (1,708,623)  
   (2,705,735)        (1,599,950)      (1,248,617)          (807,236)        (988,637)          (719,043)  
  (29,767,957)       (16,657,656)     (16,881,959)        (9,808,992)      (9,981,482)        (7,370,639)  
---------------- ------------------ ---------------- ------------------ ---------------- ------------------
   68,810,400         83,731,999       23,295,733         35,649,295       22,329,640         15,943,573   
---------------- ------------------ ---------------- ------------------ ---------------- ------------------
  149,064,113        188,648,737       46,822,039         82,878,408       41,002,792         59,988,048   
  419,749,811        231,101,074      219,689,912        136,811,504      161,438,857        101,450,809   
---------------- ------------------ ---------------- ------------------ ---------------- ------------------
$ 568,813,924      $ 419,749,811    $ 266,511,951      $ 219,689,912    $ 202,441,649      $ 161,438,857   
================ ================== ================ ================== ================ ==================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                            
                                                                                                            
                                                   AMERICAN FUNDS BOND    FTVIPT MUTUAL SHARES SECURITIES   
                                                           SUB-ACCOUNT                        SUB-ACCOUNT   
                                        -------------------------------- -----------------------------------
                                                2010              2009             2010              2009   
                                        --------------- ----------------- ---------------- -----------------
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
  Net investment income (loss)           $ 1,503,647       $ 1,049,959        $ 168,266         $ 382,773   
  Net realized gains (losses)                 71,340           (14,212)        (385,340)         (911,324)  
  Change in unrealized appreciation                                                                         
     (depreciation) on investments         1,549,414         3,366,855        9,513,224        16,912,881   
                                        --------------- ----------------- ---------------- -----------------
     Net increase (decrease) in net                                                                         
       assets resulting from operations    3,124,401         4,402,602        9,296,150        16,384,330   
                                        --------------- ----------------- ---------------- -----------------
CONTRACT TRANSACTIONS:                                                                                      
  Payments received from contract                                                                           
     owners                               23,293,244        21,984,872       16,708,584        14,489,145   
  Net transfers (including fixed                                                                            
     account)                              6,626,017         5,886,542        2,264,306         4,173,875   
  Contract charges                          (386,206)         (193,865)        (388,319)         (235,781)  
  Transfers for contract benefits &                                                                         
     terminations                         (3,667,017)       (1,884,649)      (5,928,025)       (4,828,261)  
                                        --------------- ----------------- ---------------- -----------------
     Net increase (decrease) in net                                                                         
       assets resulting from                                                                                
       contract transactions              25,866,038        25,792,900       12,656,546        13,598,978   
                                        --------------- ----------------- ---------------- -----------------
     Net increase (decrease) in                                                                             
       net assets                         28,990,439        30,195,502       21,952,696        29,983,308   
NET ASSETS:                                                                                                 
  Beginning of year                       57,212,613        27,017,111       88,554,450        58,571,142   
                                        --------------- ----------------- ---------------- -----------------
  End of year                           $ 86,203,052      $ 57,212,613    $ 110,507,146      $ 88,554,450   
                                        =============== ================= ================ =================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                                 
                                                                                                                 
FTVIPT TEMPLETON FOREIGN SECURITIES     FTVIPT TEMPLETON GROWTH SECURITIES      FTVIPT FRANKLIN INCOME SECURITIES
                        SUB-ACCOUNT                            SUB-ACCOUNT                            SUB-ACCOUNT
-------------------------------------- ------------------------------------- ------------------------------------
        2010                   2009            2010                  2009             2010                2009   
--------------- ---------------------- --------------- --------------------- ---------------- -------------------
    $ 43,547              $ 714,539       $ (41,464)            $ 535,174      $ 7,805,972         $ 6,733,320   
    (879,380)              (113,326)     (1,194,460)             (952,770)        (465,020)         (1,114,066)  
   5,846,879             17,837,025       3,626,718             9,712,864        9,173,322          25,289,201   
--------------- ---------------------- --------------- --------------------- ---------------- -------------------
   5,011,046             18,438,238       2,390,794             9,295,268       16,514,274          30,908,455   
--------------- ---------------------- --------------- --------------------- ---------------- -------------------
  10,323,305             11,330,132       3,084,160             6,551,312       31,740,127          24,603,795   
    (388,389)            (4,337,377)        247,468             1,433,916        5,350,734           3,120,765   
    (619,064)              (493,502)       (166,940)             (106,326)        (644,646)           (377,234)  
  (5,158,694)            (2,973,545)     (3,050,792)           (2,409,432)     (10,503,367)         (6,613,713)  
--------------- ---------------------- --------------- --------------------- ---------------- -------------------
   4,157,158              3,525,708         113,896             5,469,470       25,942,848          20,733,613   
--------------- ---------------------- --------------- --------------------- ---------------- -------------------
   9,168,204             21,963,946       2,504,690            14,764,738       42,457,122          51,642,068   
  70,515,555             48,551,609      42,694,521            27,929,783      134,091,525          82,449,457   
--------------- ---------------------- --------------- --------------------- ---------------- -------------------
$ 79,683,759           $ 70,515,555    $ 45,199,211          $ 42,694,521    $ 176,548,647       $ 134,091,525   
=============== ====================== =============== ===================== ================ ===================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                                
                                                                                                                                
                                        FTVIPT TEMPLETON GLOBAL BOND SECURITIES    FTVIPT FRANKLIN SMALL CAP VALUE SECURITIES   
                                                                    SUB-ACCOUNT                                   SUB-ACCOUNT   
                                        ------------------- ---------------------- ------------------- -------------------------
                                                2010                       2009            2010                          2009   
                                        --------------- -------------------------- --------------- -----------------------------
INCREASE (DECREASE) IN NET ASSETS:                                                                                              
FROM OPERATIONS:                                                                                                                
  Net investment income (loss)              $ 25,325                $ 3,804,528      $ (118,159)                     $ 29,038   
  Net realized gains (losses)                228,957                    (67,357)         54,701                       285,695   
  Change in unrealized appreciation                                                                                             
     (depreciation) on investments         7,083,996                  1,012,803       5,414,279                     2,358,393   
                                        --------------- -------------------------- --------------- -----------------------------
     Net increase (decrease) in net                                                                                             
       assets resulting from operations    7,338,278                  4,749,974       5,350,821                     2,673,126   
                                        --------------- -------------------------- --------------- -----------------------------
CONTRACT TRANSACTIONS:                                                                                                          
  Payments received from contract                                                                                               
     owners                               32,227,307                 16,847,632      10,270,768                     5,816,489   
  Net transfers (including fixed                                                                                                
     account)                              7,610,097                  4,589,899       1,603,361                        79,568   
  Contract charges                          (359,384)                  (159,367)       (115,372)                      (45,361)  
  Transfers for contract benefits &                                                                                             
     terminations                         (3,158,181)                  (967,955)       (596,198)                     (284,145)  
                                        --------------- -------------------------- --------------- -----------------------------
     Net increase (decrease) in net                                                                                             
       assets resulting from                                                                                                    
       contract transactions              36,319,839                 20,310,209      11,162,559                     5,566,551   
                                        --------------- -------------------------- --------------- -----------------------------
     Net increase (decrease) in                                                                                                 
       net assets                         43,658,117                 25,060,183      16,513,380                     8,239,677   
NET ASSETS:                                                                                                                     
  Beginning of year                       44,636,060                 19,575,877      13,205,263                     4,965,586   
                                        --------------- -------------------------- --------------- -----------------------------
  End of year                           $ 88,294,177               $ 44,636,060    $ 29,718,643                  $ 13,205,263   
                                        =============== ========================== =============== =============================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                 
                                                                                                 
          UIF U.S. REAL ESTATE                 PIONEER VCT BOND        PIONEER VCT CULLEN VALUE  
                   SUB-ACCOUNT                      SUB-ACCOUNT                     SUB-ACCOUNT  
--------------------------------- ------------------------------- -------------------------------
        2010              2009           2010             2009           2010             2009   
--------------- ----------------- -------------- ---------------- -------------- ----------------
   $ 402,580         $ 762,443       $ 72,889         $ 39,789      $ (18,476)        $ (8,053)  
  (3,793,020)       (3,055,013)        28,371            4,359         22,967           18,659   
  18,634,695        15,536,655         55,693          109,546        155,011          265,327   
--------------- ----------------- -------------- ---------------- -------------- ----------------
  15,244,255        13,244,085        156,953          153,694        159,502          275,933   
--------------- ----------------- -------------- ---------------- -------------- ----------------
   7,881,010         5,789,425         77,543        1,552,748         54,370        1,069,928   
  (6,001,729)        2,400,649         25,645          442,144        197,796          379,928   
    (214,161)         (121,416)       (23,318)            (841)       (19,010)          (1,685)  
  (4,411,829)       (3,000,390)       (32,964)         (15,872)       (67,707)         (12,778)  
--------------- ----------------- -------------- ---------------- -------------- ----------------
  (2,746,709)        5,068,268         46,906        1,978,179        165,449        1,435,393   
--------------- ----------------- -------------- ---------------- -------------- ----------------
  12,497,546        18,312,353        203,859        2,131,873        324,951        1,711,326   
  56,466,102        38,153,749      2,213,875           82,002      1,867,892          156,566   
--------------- ----------------- -------------- ---------------- -------------- ----------------
$ 68,963,648      $ 56,466,102    $ 2,417,734      $ 2,213,875    $ 2,192,843      $ 1,867,892   
=============== ================= ============== ================ ============== ================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                    
                                                                                                    
                                        PIONEER VCT EMERGING MARKETS     PIONEER VCT EQUITY INCOME  
                                                         SUB-ACCOUNT                   SUB-ACCOUNT  
                                        ------------------------------- ----------------------------
                                               2010             2009         2010            2009   
                                        -------------- ---------------- ------------ ---------------
INCREASE (DECREASE) IN NET ASSETS:                                                                  
FROM OPERATIONS:                                                                                    
  Net investment income (loss)            $ (14,019)        $ (4,999)     $ 1,630         $ 3,551   
  Net realized gains (losses)                51,198           30,973       17,928            (481)  
  Change in unrealized appreciation                                                                 
     (depreciation) on investments          110,840          223,119       38,303          48,175   
                                        -------------- ---------------- ------------ ---------------
     Net increase (decrease) in net                                                                 
       assets resulting from operations     148,019          249,093       57,861          51,245   
                                        -------------- ---------------- ------------ ---------------
CONTRACT TRANSACTIONS:                                                                              
  Payments received from contract                                                                   
     owners                                  43,087          432,254        9,062         236,141   
  Net transfers (including fixed                                                                    
     account)                                45,142          314,789       (9,014)         42,972   
  Contract charges                           (7,268)            (388)      (2,995)           (315)  
  Transfers for contract benefits &                                                                 
     terminations                           (37,357)         (18,638)     (33,620)         (8,028)  
                                        -------------- ---------------- ------------ ---------------
     Net increase (decrease) in net                                                                 
       assets resulting from                                                                        
       contract transactions                 43,604          728,017      (36,567)        270,770   
                                        -------------- ---------------- ------------ ---------------
     Net increase (decrease) in                                                                     
       net assets                           191,623          977,110       21,294         322,015   
NET ASSETS:                                                                                         
  Beginning of year                       1,020,914           43,804      354,460          32,445   
                                        -------------- ---------------- ------------ ---------------
  End of year                           $ 1,212,537      $ 1,020,914    $ 375,754       $ 354,460   
                                        ============== ================ ============ ===============

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                                 
                                                                                                                 
        PIONEER VCT FUND     PIONEER VCT IBBOTSON GROWTH ALLOCATION    PIONEER VCT IBBOTSON MODERATE ALLOCATION  
             SUB-ACCOUNT                                SUB-ACCOUNT                                 SUB-ACCOUNT  
--------------------------- ----------------------------------------- -------------------------------------------
     2010           2009            2010                      2009            2010                        2009   
------------ -------------- --------------- ------------------------- --------------- ---------------------------
   $ (592)         $ 436        $ 39,491                 $ 151,196       $ 252,038                   $ 216,658   
    1,674         (1,970)        360,330                   216,580         221,662                      94,668   
   32,740         49,927       1,818,686                 4,278,917       2,500,603                   4,279,005   
------------ -------------- --------------- ------------------------- --------------- ---------------------------
   33,822         48,393       2,218,507                 4,646,693       2,974,303                   4,590,331   
------------ -------------- --------------- ------------------------- --------------- ---------------------------
       --        120,319       1,115,979                 8,727,223         411,530                  16,950,987   
   13,107         20,907        (327,776)                  276,874         225,730                   1,755,175   
   (1,770)          (412)       (126,183)                  (24,076)       (244,941)                     (9,645)  
  (12,231)          (103)       (428,428)                 (279,627)       (166,894)                    (96,671)  
------------ -------------- --------------- ------------------------- --------------- ---------------------------
     (894)       140,711         233,592                 8,700,394         225,425                  18,599,846   
------------ -------------- --------------- ------------------------- --------------- ---------------------------
   32,928        189,104       2,452,099                13,347,087       3,199,728                  23,190,177   
  228,777         39,673      16,934,322                 3,587,235      24,317,338                   1,127,161   
------------ -------------- --------------- ------------------------- --------------- ---------------------------
$ 261,705      $ 228,777    $ 19,386,421              $ 16,934,322    $ 27,517,066                $ 24,317,338   
============ ============== =============== ========================= =============== ===========================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                           
                                                                                                           
                                             PIONEER VCT MID CAP VALUE    PIONEER VCT REAL ESTATE SHARES   
                                                           SUB-ACCOUNT                       SUB-ACCOUNT   
                                        --------------------------------- ---------------------------------
                                                2010              2009         2010                 2009   
                                        --------------- ----------------- ------------ --------------------
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
  Net investment income (loss)            $ (225,376)        $ (50,878)     $ 1,872              $ 4,733   
  Net realized gains (losses)               (237,712)         (740,526)      28,087               17,981   
  Change in unrealized appreciation                                                                        
     (depreciation) on investments         6,635,500         7,060,304       27,619               61,778   
                                        --------------- ----------------- ------------ --------------------
     Net increase (decrease) in net                                                                        
       assets resulting from operations    6,172,412         6,268,900       57,578               84,492   
                                        --------------- ----------------- ------------ --------------------
CONTRACT TRANSACTIONS:                                                                                     
  Payments received from contract                                                                          
     owners                                7,085,201         5,777,023        5,951              108,358   
  Net transfers (including fixed                                                                           
     account)                                950,970           839,891      (16,768)              15,393   
  Contract charges                          (158,947)         (102,817)      (2,048)                (308)  
  Transfers for contract benefits &                                                                        
     terminations                         (2,465,321)       (1,637,290)     (39,423)             (12,150)  
                                        --------------- ----------------- ------------ --------------------
     Net increase (decrease) in net                                                                        
       assets resulting from                                                                               
       contract transactions               5,411,903         4,876,807      (52,288)             111,293   
                                        --------------- ----------------- ------------ --------------------
     Net increase (decrease) in                                                                            
       net assets                         11,584,315        11,145,707        5,290              195,785   
NET ASSETS:                                                                                                
  Beginning of year                       35,037,503        23,891,796      228,918               33,133   
                                        --------------- ----------------- ------------ --------------------
  End of year                           $ 46,621,818      $ 35,037,503    $ 234,208            $ 228,918   
                                        =============== ================= ============ ====================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                       
                                                                                                       
            LMPVET CLEARBRIDGE               LMPVET CLEARBRIDGE                    LMPVET CLEARBRIDGE  
     VARIABLE SMALL CAP GROWTH         VARIABLE LARGE CAP VALUE    VARIABLE FUNDAMENTAL ALL CAP VALUE  
                   SUB-ACCOUNT                      SUB-ACCOUNT                           SUB-ACCOUNT  
------------------- ------------- ------------------ ------------ ------------------- -----------------
       2010              2009           2010             2009            2010                  2009    
--------------- ----------------- -------------- ---------------- --------------- ---------------------
  $ (391,996)       $ (243,396)      $ 31,244          $ 3,918       $ 259,869             $ (48,573)  
      96,515          (475,523)       (95,704)        (144,402)       (692,388)           (1,367,279)  
   6,313,023         6,335,763        249,108          612,219      13,378,879            18,964,395   
--------------- ----------------- -------------- ---------------- --------------- ---------------------
   6,017,542         5,616,844        184,648          471,735      12,946,360            17,548,543   
--------------- ----------------- -------------- ---------------- --------------- ---------------------
   8,292,377         4,964,931        182,389          154,772      10,634,359            10,408,838   
    (778,616)        1,691,172        (27,094)          35,627        (810,612)            1,189,094   
    (153,607)          (90,998)        (9,719)          (8,165)       (285,426)             (182,010)  
  (1,681,734)         (792,786)      (159,882)        (106,578)     (6,214,856)           (5,032,473)  
--------------- ----------------- -------------- ---------------- --------------- ---------------------
   5,678,420         5,772,319        (14,306)          75,656       3,323,465             6,383,449   
--------------- ----------------- -------------- ---------------- --------------- ---------------------
  11,695,962        11,389,163        170,342          547,391      16,269,825            23,931,992   
  21,966,842        10,577,679      2,559,454        2,012,063      83,258,408            59,326,416   
--------------- ----------------- -------------- ---------------- --------------- ---------------------
$ 33,662,804      $ 21,966,842    $ 2,729,796      $ 2,559,454    $ 99,528,233          $ 83,258,408   
=============== ================= ============== ================ =============== =====================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                                      
                                                                                                                      
                                                                                                 LMPVET CLEARBRIDGE   
                                        LMPVET CLEARBRIDGE VARIABLE APPRECIATION         VARIABLE AGGRESSIVE GROWTH   
                                                                     SUB-ACCOUNT                        SUB-ACCOUNT   
                                        ------------------------------------------- ----------------------------------
                                               2010                       2009             2010              2009     
                                        ---------------- -------------------------- ---------------- -----------------
INCREASE (DECREASE) IN NET ASSETS:                                                                                    
FROM OPERATIONS:                                                                                                      
  Net investment income (loss)              $ 518,708                  $ 817,750     $ (1,834,353)     $ (1,555,623)  
  Net realized gains (losses)                 (46,528)                (1,345,960)        (729,737)       (2,337,581)  
  Change in unrealized appreciation                                                                                   
     (depreciation) on investments         15,933,466                 18,518,803       31,554,611        33,075,324   
                                        ---------------- -------------------------- ---------------- -----------------
     Net increase (decrease) in net                                                                                   
       assets resulting from operations    16,405,646                 17,990,593       28,990,521        29,182,120   
                                        ---------------- -------------------------- ---------------- -----------------
CONTRACT TRANSACTIONS:                                                                                                
  Payments received from contract                                                                                     
     owners                                46,471,592                 29,603,307       18,895,526        15,963,204   
  Net transfers (including fixed                                                                                      
     account)                               2,718,317                  4,797,909       (4,987,849)         (174,010)  
  Contract charges                           (576,020)                  (258,629)        (470,056)         (310,219)  
  Transfers for contract benefits &                                                                                   
     terminations                          (8,050,441)                (5,597,996)      (9,662,148)       (7,659,711)  
                                        ---------------- -------------------------- ---------------- -----------------
     Net increase (decrease) in net                                                                                   
       assets resulting from                                                                                          
       contract transactions               40,563,448                 28,544,591        3,775,473         7,819,264   
                                        ---------------- -------------------------- ---------------- -----------------
     Net increase (decrease) in                                                                                       
       net assets                          56,969,094                 46,535,184       32,765,994        37,001,384   
NET ASSETS:                                                                                                           
  Beginning of year                       116,657,409                 70,122,225      123,705,924        86,704,540   
                                        ---------------- -------------------------- ---------------- -----------------
  End of year                           $ 173,626,503              $ 116,657,409    $ 156,471,918     $ 123,705,924   
                                        ================ ========================== ================ =================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                      
                                                                                                      
          LMPVET CLEARBRIDGE                    LMPVET INVESTMENT                LMPVET CLEARBRIDGE   
   VARIABLE LARGE CAP GROWTH    COUNSEL VARIABLE SOCIAL AWARENESS    VARIABLE EQUITY INCOME BUILDER   
                 SUB-ACCOUNT                          SUB-ACCOUNT                       SUB-ACCOUNT   
------------------------------- ---------------- ------------------- ---------------------------------
      2010             2009         2010                    2009           2010              2009     
-------------- ---------------- ------------ ----------------------- --------------- -----------------
 $ (100,014)       $ (89,306)    $ (1,958)                 $ (904)    $ 1,827,744         $ 949,840   
    (67,178)        (329,106)     (15,882)                (74,169)     (2,284,460)       (3,323,647)  
    580,884        2,418,961       67,430                 159,948       7,931,196        12,577,390   
-------------- ---------------- ------------ ----------------------- --------------- -----------------
    413,692        2,000,549       49,590                  84,875       7,474,480        10,203,583   
-------------- ---------------- ------------ ----------------------- --------------- -----------------
     14,446           10,583        1,385                   1,788      12,770,354        11,470,586   
   (431,047)        (249,620)     (15,771)                (93,132)      1,171,468         3,993,332   
    (23,150)         (28,461)        (275)                   (297)       (217,562)          (99,252)  
   (727,111)        (418,088)     (39,961)                (45,423)     (5,138,178)       (3,943,912)  
-------------- ---------------- ------------ ----------------------- --------------- -----------------
 (1,166,862)        (685,586)     (54,622)               (137,064)      8,586,082        11,420,754   
-------------- ---------------- ------------ ----------------------- --------------- -----------------
   (753,170)       1,314,963       (5,032)                (52,189)     16,060,562        21,624,337   
  6,818,703        5,503,740      515,712                 567,901      64,946,351        43,322,014   
-------------- ---------------- ------------ ----------------------- --------------- -----------------
$ 6,065,533      $ 6,818,703    $ 510,680               $ 515,712    $ 81,006,913      $ 64,946,351   
============== ================ ============ ======================= =============== =================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                              
                                                                                                              
                                                                                         LMPVET CLEARBRIDGE   
                                        LMPVET CLEARBRIDGE VARIABLE CAPITAL      VARIABLE DIVIDEND STRATEGY   
                                                                SUB-ACCOUNT                     SUB-ACCOUNT   
                                        -------------------------------------- -------------------------------
                                               2010                    2009           2010             2009   
                                        -------------- ----------------------- -------------- ----------------
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
  Net investment income (loss)            $ (50,460)              $ (56,300)      $ 63,908         $ 13,985   
  Net realized gains (losses)              (459,328)               (617,452)      (127,436)        (377,981)  
  Change in unrealized appreciation                                                                           
     (depreciation) on investments        1,016,611               2,196,191        598,520        1,317,453   
                                        -------------- ----------------------- -------------- ----------------
     Net increase (decrease) in net                                                                           
       assets resulting from operations     506,823               1,522,439        534,992          953,457   
                                        -------------- ----------------------- -------------- ----------------
CONTRACT TRANSACTIONS:                                                                                        
  Payments received from contract                                                                             
     owners                                  16,152                   1,218         30,048           22,331   
  Net transfers (including fixed                                                                              
     account)                              (245,616)                (95,329)       (85,342)        (110,622)  
  Contract charges                          (26,922)                (29,740)       (21,919)         (22,407)  
  Transfers for contract benefits &                                                                           
     terminations                          (424,197)               (248,902)      (490,031)        (480,991)  
                                        -------------- ----------------------- -------------- ----------------
     Net increase (decrease) in net                                                                           
       assets resulting from                                                                                  
       contract transactions               (680,583)               (372,753)      (567,244)        (591,689)  
                                        -------------- ----------------------- -------------- ----------------
     Net increase (decrease) in                                                                               
       net assets                          (173,760)              1,149,686        (32,252)         361,768   
NET ASSETS:                                                                                                   
  Beginning of year                       5,469,899               4,320,213      5,884,519        5,522,751   
                                        -------------- ----------------------- -------------- ----------------
  End of year                           $ 5,296,139             $ 5,469,899    $ 5,852,267      $ 5,884,519   
                                        ============== ======================= ============== ================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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                                                        [Enlarge/Download Table]
                                                                                                                                   
                                                                                                                                   
LMPVET VARIABLE LIFESTYLE ALLOCATION 50%    LMPVET VARIABLE LIFESTYLE ALLOCATION 70%    LMPVET VARIABLE LIFESTYLE ALLOCATION 85%   
                             SUB-ACCOUNT                                 SUB-ACCOUNT                                 SUB-ACCOUNT   
------------------------------------------- ------------------------------------------- -------------------------------------------
        2010                        2009           2010                         2009            2010                        2009   
--------------- --------------------------- -------------- ---------------------------- --------------- ---------------------------
   $ 217,581                   $ 220,518       $ 14,214                     $ 58,734       $ 197,005                   $ 453,017   
    (104,317)                   (673,030)       (75,321)                    (243,543)        (47,518)                   (228,257)  
   1,061,494                   2,112,660        464,939                      995,242       7,347,126                  10,083,114   
--------------- --------------------------- -------------- ---------------------------- --------------- ---------------------------
   1,174,758                   1,660,148        403,832                      810,433       7,496,613                  10,307,874   
--------------- --------------------------- -------------- ---------------------------- --------------- ---------------------------
   4,403,456                      36,174         24,506                        8,648       9,407,404                  10,304,683   
     941,570                     (68,724)      (205,680)                      99,888        (238,943)                  2,518,047   
      (3,210)                     (2,222)        (1,036)                      (1,137)       (349,818)                   (229,799)  
    (661,319)                   (865,159)      (273,685)                    (189,529)     (1,856,668)                 (1,200,177)  
--------------- --------------------------- -------------- ---------------------------- --------------- ---------------------------
   4,680,497                    (899,931)      (455,895)                     (82,130)      6,961,975                  11,392,754   
--------------- --------------------------- -------------- ---------------------------- --------------- ---------------------------
   5,855,255                     760,217        (52,063)                     728,303      14,458,588                  21,700,628   
   7,231,568                   6,471,351      3,447,350                    2,719,047      47,576,561                  25,875,933   
--------------- --------------------------- -------------- ---------------------------- --------------- ---------------------------
$ 13,086,823                 $ 7,231,568    $ 3,395,287                  $ 3,447,350    $ 62,035,149                $ 47,576,561   
=============== =========================== ============== ============================ =============== ===========================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
STATEMENTS OF CHANGES IN NET ASSETS -- (CONCLUDED)                              
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009                                  

                                                        [Enlarge/Download Table]
                                                                                                              
                                                                                                              
                                                    LMPVIT WESTERN ASSET               LMPVIT WESTERN ASSET   
                                         VARIABLE ADJUSTABLE RATE INCOME    VARIABLE GLOBAL HIGH YIELD BOND   
                                                             SUB-ACCOUNT                         SUB-ACCOUNT  
                                         ---------------------------------- ----------------------------------
                                               2010                2009            2010               2009    
                                         -------------- ------------------- --------------- ------------------
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
  Net investment income (loss)             $ (11,190)            $ 6,488     $ 4,279,019        $ 3,692,798   
  Net realized gains (losses)                (34,178)            (84,935)       (257,958)        (1,514,921)  
  Change in unrealized appreciation                                                                           
     (depreciation) on investments           200,066             363,254       2,633,790         13,639,135   
                                         -------------- --- --------------- --------------- --- --------------
     Net increase (decrease) in net                                                                           
       assets resulting from operations      154,698             284,807       6,654,851         15,817,012   
                                         -------------- ------------------- --------------- ------------------
CONTRACT TRANSACTIONS:                                                                                        
  Payments received from contract                                                                             
     owners                                    2,211               7,629      10,328,608          6,533,638   
  Net transfers (including fixed                                                                              
     account)                                 94,548             137,208         685,318           (164,142)  
  Contract charges                            (1,253)               (935)       (194,240)          (104,974)  
  Transfers for contract benefits &                                                                           
     terminations                           (222,201)            (95,008)     (4,631,610)        (3,204,977)  
                                         -------------- ------------------- --------------- ------------------
     Net increase (decrease) in net                                                                           
       assets resulting from                                                                                  
       contract transactions                (126,695)             48,894       6,188,076          3,059,545   
                                         -------------- ------------------- --------------- ------------------
     Net increase (decrease) in                                                                               
       net assets                             28,003             333,701      12,842,927         18,876,557   
NET ASSETS:                                                                                                   
  Beginning of year                        2,121,940           1,788,239      48,249,580         29,373,023   
                                         -------------- ------------------- --------------- ------------------
  End of year                            $ 2,149,943         $ 2,121,940    $ 61,092,507       $ 48,249,580   
                                         ============== =================== =============== ==================

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 15, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS                                               

1. ORGANIZATION                                                                 

MetLife Investors USA Separate Account A (the "Separate Account"), a separate   
account of MetLife Investors USA Insurance Company (the "Company"), was         
established by the Company's Board of Directors on May 29, 1980 to support      
operations of the Company with respect to certain variable annuity contracts    
(the "Contracts"). The Company is an indirect wholly-owned subsidiary of        
MetLife, Inc., a Delaware corporation. The Separate Account is registered as a  
unit investment trust under the Investment Company Act of 1940, as amended, and 
exists in accordance with the regulations of the Delaware Department of         
Insurance.                                                                      

The Separate Account is divided into Sub-Accounts, each of which is treated as  
an individual accounting entity for financial reporting purposes. Each          
Sub-Account invests in shares of the corresponding portfolio, series, or fund   
(with the same name) of registered investment management companies (the         
"Trusts"), which are presented below:                                           

Met Investors Series Trust ("MIST")*                                            
AIM Variable Insurance Funds (Invesco Variable                                  
Insurance Funds) ("Invesco V.I.")+                                              
MFS Variable Insurance Trust ("MFS VIT")                                        
Oppenheimer Variable Account Funds                                              
("Oppenheimer VA")                                                              
Fidelity Variable Insurance Products ("Fidelity VIP")                           
DWS Variable Series I ("DWS")                                                   
Metropolitan Series Fund, Inc. ("MSF")*                                         
Federated Insurance Series ("Federated")                                        
Neuberger Berman Equity Funds ("Neuberger")                                     
The Alger Portfolios ("Alger")                                                  
T. Rowe Price Funds ("T. Rowe Price")                                           
Janus Aspen Series ("Janus Aspen")                                              
American Funds Insurance Series ("American Funds")                              
Franklin Templeton Variable Insurance Products Trust                            
("FTVIPT")                                                                      
The Universal Institutional Funds, Inc. ("UIF")                                 
Pioneer Variable Contracts Trust ("Pioneer VCT")                                
Legg Mason Partners Variable Equity Trust                                       
("LMPVET")                                                                      
Legg Mason Partners Variable Income Trust                                       
("LMPVIT")                                                                      

* See Note 5 for discussion of additional information on related party          
transactions.                                                                   

+ Formerly named AIM Variable Insurance Funds ("AIM V.I.")                      

NAME CHANGES:                                                                   

The following portfolios were affected by a trust name change during the year   
ended December 31, 2010:                                                        

                                                                [Download Table]
                                                                         
                                                                         
FORMER NAME                        NEW NAME                              
AIM V.I. Core Equity Fund          Invesco V.I. Core Equity Fund         
AIM V.I. Capital Appreciation Fund Invesco V.I. Capital Appreciation Fund
AIM V.I. International Growth Fund Invesco V.I. International Growth Fund
AIM V.I. Basic Balanced Fund       Invesco V.I. Basic Balanced Fund      
AIM V.I. Global Real Estate Fund   Invesco V.I. Global Real Estate Fund  

REORGANIZATIONS:                                                                

During the year ended December 31, 2010, all the portfolios of the Van Kampen   
Life Investment Trust and certain portfolios of The Universal Institutional     
Funds, Inc. were reorganized into portfolios of AIM Variable Insurance Funds    
(Invesco Variable Insurance Funds). As a result of the reorganizations, the     
following name changes occurred:                                                

                                                        [Enlarge/Download Table]
                                                                                                   
                                                                                                   
FORMER TRUST                                        NEW TRUST                                      
Van Kampen Life Investment Capital Growth Portfolio Invesco Van Kampen V.I. Capital Growth Fund    
Van Kampen Life Investment Growth and Income        Invesco Van Kampen V.I. Growth and Income Fund 
  Portfolio                                                                                        
UIF Equity and Income Portfolio                     Invesco Van Kampen V.I. Equity and Income Fund 
UIF U.S. Mid Cap Value Portfolio                    Invesco Van Kampen V.I. U.S. Mid Cap Value Fund

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

1. ORGANIZATION -- (CONTINUED)                                                  

The assets of each of the Sub-Accounts of the Separate Account are registered   
in the name of the Company. Under applicable insurance law, the assets and      
liabilities of the Separate Account are clearly identified and distinguished    
from the Company's other assets and liabilities. The portion of the Separate    
Account's assets applicable to the Contracts is not chargeable with liabilities 
arising out of any other business the Company may conduct.                      

2. LIST OF SUB-ACCOUNTS                                                         

Purchase payments, less any applicable charges, applied to the Separate Account 
are invested in one or more Sub-Accounts in accordance with the selection made  
by the contract owner. The following Sub-Accounts had net assets as of December 
31, 2010:                                                                       

MIST Lord Abbett Growth and Income Sub-Account*                                 
MIST Lord Abbett Bond Debenture Sub-Account*                                    
MIST Morgan Stanley Mid Cap Growth Sub-Account*                                 
MIST Lord Abbett Mid Cap Value Sub-Account                                      
MIST Lazard Mid Cap Sub-Account                                                 
MIST Invesco Small Cap Growth Sub-Account*                                      
MIST Harris Oakmark International Sub-Account*                                  
MIST Third Avenue Small Cap Value Sub-Account*                                  
MIST Oppenheimer Capital Appreciation                                           
Sub-Account*                                                                    
MIST Legg Mason ClearBridge Aggressive Growth                                   
Sub-Account                                                                     
MIST PIMCO Total Return Sub-Account*                                            
MIST RCM Technology Sub-Account*                                                
MIST PIMCO Inflation Protected Bond Sub-Account                                 
MIST T. Rowe Price Mid Cap Growth Sub-Account                                   
MIST MFS Research International Sub-Account*                                    
MIST Clarion Global Real Estate Sub-Account                                     
MIST Turner Mid Cap Growth Sub-Account                                          
MIST Goldman Sachs Mid Cap Value Sub-Account                                    
MIST MetLife Defensive Strategy Sub-Account                                     
MIST MetLife Moderate Strategy Sub-Account                                      
MIST MetLife Balanced Strategy Sub-Account                                      
MIST MetLife Growth Strategy Sub-Account                                        
MIST MetLife Aggressive Strategy Sub-Account                                    
MIST Van Kampen Comstock Sub-Account                                            
MIST Legg Mason Value Equity Sub-Account                                        
MIST MFS Emerging Markets Equity Sub-Account                                    
MIST Loomis Sayles Global Markets Sub-Account                                   
MIST Janus Forty Sub-Account*                                                   
MIST Dreman Small Cap Value Sub-Account*                                        
MIST Pioneer Fund Sub-Account*                                                  
MIST Pioneer Strategic Income Sub-Account*                                      
MIST BlackRock Large Cap Core Sub-Account                                       
MIST BlackRock High Yield Sub-Account*                                          
MIST Rainier Large Cap Equity Sub-Account                                       
MIST American Funds Balanced Allocation                                         
Sub-Account                                                                     
MIST American Funds Bond Sub-Account                                            
MIST American Funds Growth Sub-Account                                          
MIST American Funds Growth Allocation                                           
Sub-Account                                                                     
MIST American Funds International Sub-Account                                   
MIST American Funds Moderate Allocation                                         
Sub-Account                                                                     
MIST Met/Franklin Mutual Shares Sub-Account                                     
MIST Met/Franklin Templeton Founding Strategy                                   
Sub-Account                                                                     
MIST SSgA Growth ETF Sub-Account                                                
MIST SSgA Growth and Income ETF Sub-Account                                     
MIST Met/Templeton International Bond Sub-Account                               
MIST Met/Templeton Growth Sub-Account**                                         
MIST Met/Eaton Vance Floating Rate Sub-Account**                                
Invesco V.I. Core Equity Sub-Account                                            
Invesco V.I. Capital Appreciation Sub-Account                                   
Invesco V.I. International Growth Sub-Account*                                  
Invesco V.I. Basic Balanced Sub-Account                                         
Invesco V.I. Global Real Estate Sub-Account                                     
Invesco V.I. Capital Growth Sub-Account                                         
Invesco V.I. Growth and Income Sub-Account*                                     
Invesco V.I. Equity and Income Sub-Account                                      
Invesco V.I. U.S. Mid Cap Value Sub-Account                                     
MFS VIT Research Sub-Account                                                    
MFS VIT Investors Trust Sub-Account                                             
MFS VIT New Discovery Sub-Account                                               
Oppenheimer VA Main Street Sub-Account                                          
Oppenheimer VA Core Bond Sub-Account                                            
Oppenheimer VA Global Strategic Income                                          
Sub-Account                                                                     
Oppenheimer VA Main Street Small Cap                                            
Sub-Account*                                                                    
Oppenheimer VA Money Sub-Account                                                
Fidelity VIP Asset Manager Sub-Account                                          
Fidelity VIP Growth Sub-Account                                                 
Fidelity VIP Contrafund Sub-Account*                                            
Fidelity VIP Overseas Sub-Account                                               

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

2. LIST OF SUB-ACCOUNTS -- (CONTINUED)                                          

Fidelity VIP Equity-Income Sub-Account                                          
Fidelity VIP Index 500 Sub-Account                                              
Fidelity VIP Money Market Sub-Account*                                          
Fidelity VIP Mid Cap Sub-Account                                                
Fidelity VIP FundsManager 60% Sub-Account                                       
DWS International Sub-Account                                                   
MSF FI Value Leaders Sub-Account                                                
MSF Russell 2000 Index Sub-Account*                                             
MSF Artio International Stock Sub-Account*                                      
MSF MetLife Stock Index Sub-Account*                                            
MSF BlackRock Legacy Large Cap Growth                                           
Sub-Account*                                                                    
MSF Neuberger Berman Genesis Sub-Account                                        
MSF BlackRock Bond Income Sub-Account*                                          
MSF BlackRock Large Cap Value Sub-Account                                       
MSF Barclays Capital Aggregate Bond Index                                       
Sub-Account*                                                                    
MSF MFS Value Sub-Account*                                                      
MSF Morgan Stanley EAFE Index Sub-Account*                                      
MSF MFS Total Return Sub-Account*                                               
MSF MetLife Mid Cap Stock Index Sub-Account*                                    
MSF Davis Venture Value Sub-Account*                                            
MSF Met/Artisan Mid Cap Value Sub-Account*                                      
MSF Jennison Growth Sub-Account*                                                
MSF BlackRock Money Market Sub-Account*                                         
MSF T. Rowe Price Small Cap Growth Sub-Account*                                 
MSF Western Asset Management U.S. Government                                    
Sub-Account*                                                                    
MSF Oppenheimer Global Equity Sub-Account                                       
MSF MetLife Aggressive Allocation Sub-Account                                   
MSF MetLife Conservative Allocation Sub-Account                                 
MSF MetLife Conservative to Moderate Allocation                                 
Sub-Account                                                                     
MSF MetLife Moderate Allocation Sub-Account                                     
MSF MetLife Moderate to Aggressive Allocation                                   
Sub-Account                                                                     
MSF T. Rowe Price Large Cap Growth Sub-Account                                  
MSF Loomis Sayles Small Cap Core Sub-Account                                    
MSF Neuberger Berman Mid Cap Value Sub-Account                                  
MSF Met/Dimensional International Small Company                                 
Sub-Account                                                                     
MSF Van Eck Global Natural Resources Sub-Account                                
Federated Capital Income Sub-Account**                                          
Federated High Income Bond Sub-Account                                          
Federated Kaufman Sub-Account**                                                 
Neuberger Genesis Sub-Account                                                   
Alger Small Cap Growth Sub-Account                                              
T. Rowe Price Growth Stock Sub-Account                                          
T. Rowe Price International Stock Sub-Account                                   
T. Rowe Price Prime Reserve Sub-Account                                         
Janus Aspen Worldwide Sub-Account                                               
American Funds Global Small Capitalization                                      
Sub-Account                                                                     
American Funds Growth Sub-Account                                               
American Funds Growth-Income Sub-Account                                        
American Funds Global Growth Sub-Account                                        
American Funds Bond Sub-Account                                                 
FTVIPT Mutual Shares Securities Sub-Account                                     
FTVIPT Templeton Foreign Securities Sub-Account                                 
FTVIPT Templeton Growth Securities Sub-Account                                  
FTVIPT Franklin Income Securities Sub-Account                                   
FTVIPT Templeton Global Bond Securities                                         
Sub-Account                                                                     
FTVIPT Franklin Small Cap Value Securities                                      
Sub-Account                                                                     
UIF U.S. Real Estate Sub-Account                                                
Pioneer VCT Bond Sub-Account                                                    
Pioneer VCT Cullen Value Sub-Account                                            
Pioneer VCT Emerging Markets Sub-Account                                        
Pioneer VCT Equity Income Sub-Account                                           
Pioneer VCT Fund Sub-Account                                                    
Pioneer VCT Ibbotson Growth Allocation                                          
Sub-Account                                                                     
Pioneer VCT Ibbotson Moderate Allocation                                        
Sub-Account                                                                     
Pioneer VCT Mid Cap Value Sub-Account                                           
Pioneer VCT Real Estate Shares Sub-Account                                      
LMPVET ClearBridge Variable Small Cap Growth                                    
Sub-Account                                                                     
LMPVET ClearBridge Variable Large Cap Value                                     
Sub-Account                                                                     
LMPVET ClearBridge Variable Fundamental All Cap                                 
Value Sub-Account                                                               
LMPVET ClearBridge Variable Appreciation                                        
Sub-Account                                                                     
LMPVET ClearBridge Variable Aggressive Growth                                   
Sub-Account*                                                                    
LMPVET ClearBridge Variable Large Cap Growth                                    
Sub-Account                                                                     
LMPVET Investment Counsel Variable Social                                       
Awareness Sub-Account                                                           
LMPVET ClearBridge Variable Equity Income Builder                               
Sub-Account*                                                                    
LMPVET ClearBridge Variable Capital Sub-Account                                 
LMPVET ClearBridge Variable Dividend Strategy                                   
Sub-Account                                                                     

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

2. LIST OF SUB-ACCOUNTS -- (CONCLUDED)                                          

LMPVET Variable Lifestyle Allocation 50%                                        
Sub-Account                                                                     
LMPVET Variable Lifestyle Allocation 70%                                        
Sub-Account                                                                     
LMPVET Variable Lifestyle Allocation 85%                                        
LMPVIT Western Asset Variable Adjustable Rate                                   
Income Sub-Account                                                              
LMPVIT Western Asset Variable Global High Yield                                 
Bond Sub-Account                                                                

* This Sub-Account invests in two or more share classes within the underlying   
portfolio, series, or fund of the Trusts that may assess 12b-1 fees.            

** This Sub-Account began operations during the year ended December 31, 2010.   

3. PORTFOLIO CHANGES                                                            

The following Sub-Accounts ceased operations during the year ended December 31, 
2010:                                                                           

MSF FI Mid Cap Opportunities Sub-Account                                        
Federated Equity Income Sub-Account                                             
Federated Mid Cap Growth Sub-Account                                            
Pioneer VCT High Yield Sub-Account                                              
LMPVET Batterymarch Variable Global Equity Sub-Account                          
LMPVIT Western Asset Variable Money Market Sub-Account                          

The operations of the Sub-Accounts were affected by the following changes that  
occurred during the year ended December 31, 2010:                               

                                                        [Enlarge/Download Table]
                                                                                                   
                                                                                                   
NAME CHANGES:                                                                                      
FORMER NAME                                       NEW NAME                                         
(MIST) Van Kampen Mid Cap Growth Portfolio        (MIST) Morgan Stanley 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                                      
(Oppenheimer VA) Strategic Bond Fund              (Oppenheimer VA) Global Strategic Income Fund    
(MSF) BlackRock Strategic Value Portfolio         (MSF) Neuberger Berman Genesis Portfolio         
(LMPVET) ClearBridge Variable Investors Portfolio (LMPVET) ClearBridge Variable Large Cap Value    
                                                    Portfolio                                      
(LMPVET) ClearBridge Variable Fundamental Value   (LMPVET) ClearBridge Variable Fundamental All Cap
  Portfolio                                         Value Portfolio                                
MERGERS:                                                                                           
FORMER PORTFOLIO                                  NEW PORTFOLIO                                    
(MSF) FI Mid Cap Opportunities Portfolio          (MIST) Morgan Stanley Mid Cap Growth Portfolio   
(Federated) Equity Income Fund                    (Federated) Capital Income Fund                  
(Federated) Mid Cap Growth Strategies Fund        (Federated) Kaufman Fund                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

3. PORTFOLIO CHANGES -- (CONTINUED)                                             

                                                                [Download Table]
                                                                                    
                                                                                    
SUBSTITUTIONS:                                                                      
FORMER PORTFOLIO                              NEW PORTFOLIO                         
(Pioneer VCT) High Yield Portfolio            (MIST) BlackRock High Yield Portfolio 
(LMPVET) Batterymarch Global Equity Portfolio (MIST) Met/Templeton Growth Portfolio 
(LMPVIT) Western Asset Variable Money Market  (MSF) BlackRock Money Market Portfolio
  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 Sub-Accounts' 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 Sub-Accounts.     

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:                                                                     

                                                        [Enlarge/Download Table]
                                                                                                                    
                                                                                                                    
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 Sub-Account 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.                                     

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

4. SIGNIFICANT ACCOUNTING POLICIES -- (CONTINUED)                               

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 3.0% .  
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 Sub-Accounts.             

NET TRANSFERS                                                                   
Funds transferred by the contract owner into or out of the Sub-Accounts within  
the Separate Account or into or 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 Sub-Accounts.      

USE OF ESTIMATES                                                                
The preparation of financial statements in accordance with GAAP requires        
management to make estimates and assumptions that affect amounts reported       
herein. Actual results could differ from these estimates.                       

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.                                                           

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

5. EXPENSES AND RELATED PARTY TRANSACTIONS                                      

The following annual Separate Account charges paid to the Company, are          
asset-based charges assessed through a daily reduction in unit values, which    
are recorded as expenses in the accompanying statements of operations of the    
applicable Sub-Accounts:                                                        

MORTALITY AND EXPENSE RISK -- The mortality risk assumed by the Company is the  
risk that those insured may die sooner than anticipated and therefore, the      
Company will pay an aggregate amount of death benefits greater than             
anticipated. The expense risk assumed is the risk that expenses incurred in     
issuing and administering the Contracts will exceed the amounts realized from   
the administrative charges assessed against the Contracts. In addition, the     
charge compensates the Company for the risk that the investor may live longer   
than estimated and the Company would be obligated to pay more in income         
payments than anticipated.                                                      

ADMINISTRATIVE -- The Company has responsibility for the administration of the  
Contracts and the Separate Account. Generally, the administrative charge is     
related to the maintenance, including distribution, of each contract and the    
Separate Account.                                                               

OPTIONAL DEATH BENEFIT RIDER -- For an additional charge, the total death       
benefit payable may be increased based on increases in account value of the     
Contracts.                                                                      

DISTRIBUTION EXPENSE -- The risk that surrender charges will be insufficient to 
cover the actual costs of distribution which includes commissions, fees,        
registration costs, direct and indirect selling expenses.                       

GUARANTEED MINIMUM ACCUMULATION BENEFIT -- For an additional charge, the        
Company will guarantee that the contract value will not be less than a          
guaranteed minimum amount at the end of a specified number of years.            

EARNINGS PRESERVATION BENEFIT -- For an additional charge, the Company will     
provide this additional death benefit.                                          

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.                                           

The table below represents the range of effective annual rates for each         
respective charge for the year ended December 31, 2010:                         

                                                                [Download Table]
                                                     
                                                     
Mortality and Expense Risk              0.75% - 2.05%
Administrative                          0.10% - 0.25%
Optional Death Benefit Rider            0.15% - 0.35%
Distribution Expense                    0.10%        
Guaranteed Minimum Accumulation Benefit 1.50%        
Earnings Preservation Benefit           0.25%        
Guaranteed Withdrawal Benefit for Life  0.90% - 1.05%

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 effective  
rates disclosed above excludes any waivers granted to certain Sub-Accounts.     

The following optional rider charges paid to the Company are charged at each    
contract anniversary date through the redemption of units and are recorded as   
contract charges in the accompanying statements of changes in net assets of the 
applicable Sub-Accounts:                                                        

GUARANTEED MINIMUM ACCUMULATION BENEFIT -- For an additional charge, the        
Company will guarantee that the contract value will not be less than a          
guaranteed minimum amount at the end of a specified number of years.            

LIFETIME WITHDRAWAL GUARANTEE -- For an additional charge, the Company will     
guarantee minimum withdrawals for life regardless of market conditions.         

GUARANTEED WITHDRAWAL BENEFIT -- For an additional charge, the Company will     
guarantee minimum withdrawals regardless of market conditions.                  

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

5. EXPENSES AND RELATED PARTY TRANSACTIONS -- (CONTINUED)                       

GUARANTEED MINIMUM INCOME BENEFIT -- For an additional charge, the Company will 
guarantee a minimum payment regardless of market conditions.                    

ENHANCED DEATH BENEFIT -- For an additional charge, the Company will guarantee  
a death benefit equal to the greater of the account value or the higher of two  
death benefit bases.                                                            

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           0.25% - 1.00%
Guaranteed Minimum Income Benefit       0.50% - 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 maintenance fee ranging from $30 to $40 is assessed on an annual     
basis for Contracts with a value of less than $50,000. A transfer fee of $25    
may be deducted after twelve transfers are made in a contract year or, for      
certain contracts, 2% of the amount transferred from the contract value, if     
less. For certain contracts, an administrative charge is also assessed of       
$21.50 plus $2.50 for each Sub-Account in which the contract owner invests      
(waived if purchase payments equal or exceed $2,000 in the year, or if the      
account value is $10,000 or more at year end). In addition, the Contracts       
impose a surrender charge which ranges from 0% to 9% if the contract is         
partially or fully surrendered within the specified surrender charge period.    
For certain contracts, a transaction charge of the lesser of $10 or 2% of the   
surrender is imposed on surrenders and a $10 charge is assessed for             
annuitizations. For those contract owners who choose optional living benefit    
riders or certain optional death benefit riders, these charges range from 0.25% 
to 1.80% of the benefit base and are charged at each contract anniversary       
date.                                                                           

These charges are paid to the Company, assessed through the redemption of       
units, and recorded as contract charges in the accompanying statements of       
changes in net assets of the applicable Sub-Accounts.                           

Certain portfolios of the MIST and MSF Trusts 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 Advisers, LLC.                                              

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

6. STATEMENTS OF INVESTMENTS                                                    

                                                        [Enlarge/Download Table]
                                                                                                                
                                                                                                                
                                                                                              FOR THE YEAR ENDED
                                                            AS OF DECEMBER 31, 2010            DECEMBER 31, 2010
                                                          ------------------------- ----------------------------
                                                                                          COST OF       PROCEEDS
                                                               SHARES      COST ($) PURCHASES ($) FROM SALES ($)
                                                          ----------- ------------- ------------- --------------
MIST Lord Abbett Growth and Income Sub-Account             25,486,032   625,620,160    22,396,573     43,221,240
MIST Lord Abbett Bond Debenture Sub-Account                20,812,062   246,947,473    31,425,617     24,455,665
MIST Morgan Stanley Mid Cap Growth Sub-Account              7,682,553    69,787,653    19,412,222      4,341,336
MIST Lord Abbett Mid Cap Value Sub-Account                  6,838,601    89,431,632    30,520,886      2,505,600
MIST Lazard Mid Cap Sub-Account                            11,933,404   141,997,421    17,436,829      6,343,405
MIST Invesco Small Cap Growth Sub-Account                  13,421,827   161,641,430    20,338,001     11,459,141
MIST Harris Oakmark International Sub-Account              33,760,506   449,108,684   114,033,931     15,895,853
MIST Third Avenue Small Cap Value Sub-Account              21,847,557   298,783,033    29,850,737     15,302,365
MIST Oppenheimer Capital Appreciation Sub-Account          32,229,581   251,800,646     1,436,176     22,351,602
MIST Legg Mason ClearBridge Aggressive Growth                                                                   
  Sub-Account                                              13,870,880    95,871,085    19,069,291      8,317,181
MIST PIMCO Total Return Sub-Account                       143,149,787 1,676,563,514   749,909,596     91,767,214
MIST RCM Technology Sub-Account                            23,078,086    92,698,339    28,463,831     15,177,531
MIST PIMCO Inflation Protected Bond Sub-Account            62,492,353   679,330,353   233,811,710     14,214,466
MIST T. Rowe Price Mid Cap Growth Sub-Account              43,034,249   320,447,014    89,557,071     13,971,221
MIST MFS Research International Sub-Account                31,219,601   343,474,229    27,900,734     18,250,970
MIST Clarion Global Real Estate Sub-Account                13,659,885   158,301,030    36,727,088      5,007,743
MIST Turner Mid Cap Growth Sub-Account                      6,185,425    70,333,459    19,343,049      7,898,727
MIST Goldman Sachs Mid Cap Value Sub-Account                8,751,228   110,451,495    23,680,540      8,413,534
MIST MetLife Defensive Strategy Sub-Account               185,198,757 1,859,079,669   546,164,191    145,336,934
MIST MetLife Moderate Strategy Sub-Account                290,271,079 2,915,515,069   684,975,587     27,292,767
MIST MetLife Balanced Strategy Sub-Account                620,163,148 6,387,980,848 1,057,114,745     59,097,306
MIST MetLife Growth Strategy Sub-Account                  524,488,320 5,876,370,451   148,380,110    312,295,136
MIST MetLife Aggressive Strategy Sub-Account               54,249,779   556,399,890    74,697,017     30,445,211
MIST Van Kampen Comstock Sub-Account                       24,218,635   193,368,756    45,327,981      1,479,302
MIST Legg Mason Value Equity Sub-Account                   15,127,700   111,915,356    21,275,315      4,941,372
MIST MFS Emerging Markets Equity Sub-Account               31,616,388   290,928,279   126,734,236      9,308,683
MIST Loomis Sayles Global Markets Sub-Account              11,664,276   125,654,267    49,493,872      6,572,330
MIST Janus Forty Sub-Account                                  780,080    49,414,220    32,086,524      4,544,892
MIST Dreman Small Cap Value Sub-Account                     1,645,057    20,361,774     3,961,221      2,893,657
MIST Pioneer Fund Sub-Account                               7,986,357    94,205,574    47,776,188      1,945,832
MIST Pioneer Strategic Income Sub-Account                  37,647,634   374,020,183   153,336,311      6,044,393
MIST BlackRock Large Cap Core Sub-Account                   1,111,409     9,441,377     4,400,143        822,987
MIST BlackRock High Yield Sub-Account                      21,089,940   163,199,115   138,800,268     68,396,150
MIST Rainier Large Cap Equity Sub-Account                   5,672,945    42,786,243    13,051,817      7,072,431
MIST American Funds Balanced Allocation Sub-Account       253,403,817 2,120,191,129   958,172,648     14,099,990
MIST American Funds Bond Sub-Account                       27,451,730   262,442,436   130,716,448      3,883,655
MIST American Funds Growth Sub-Account                     52,486,729   385,080,573   186,001,794     10,047,256
MIST American Funds Growth Allocation Sub-Account         157,112,425 1,194,415,394   209,875,033     72,683,658
MIST American Funds International Sub-Account              35,066,455   261,846,087   121,733,703      7,529,837
MIST American Funds Moderate Allocation Sub-Account       145,362,866 1,278,196,695   520,401,698      6,829,631
MIST Met/Franklin Mutual Shares Sub-Account                13,669,965   105,111,231    53,198,107      4,099,075
MIST Met/Franklin Templeton Founding Strategy Sub-Account  57,932,880   477,866,691   115,840,244     31,893,291
MIST SSgA Growth ETF Sub-Account                           29,399,583   269,379,609   147,349,108     16,455,855
MIST SSgA Growth and Income ETF Sub-Account                87,119,227   883,014,317   605,097,798      1,865,449
MIST Met/Templeton International Bond Sub-Account           2,927,619    34,022,563    26,877,505      1,095,344
MIST Met/Templeton Growth Sub-Account (a)                     791,899     6,881,220     7,105,860        218,305
MIST Met/Eaton Vance Floating Rate Sub-Account (a)          1,582,792    15,950,162    16,746,238        799,640
Invesco V.I. Core Equity Sub-Account                           14,574       366,685         3,655         49,401
Invesco V.I. Capital Appreciation Sub-Account                   6,123       155,295         1,082         35,624
Invesco V.I. International Growth Sub-Account               3,946,576    98,467,225    36,432,068        510,665
Invesco V.I. Basic Balanced Sub-Account                        27,892       301,355         4,894         24,784
Invesco V.I. Global Real Estate Sub-Account                   678,299     9,042,274     3,790,505        309,139
Invesco V.I. Capital Growth Sub-Account                         3,846       119,870            --          8,050
Invesco V.I. Growth and Income Sub-Account                  8,733,648   148,142,413    36,637,958        592,849
Invesco V.I. Equity and Income Sub-Account                 24,564,045   326,446,141    70,288,189      3,953,488


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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

6. STATEMENTS OF INVESTMENTS -- (CONTINUED)                                     

                                                        [Enlarge/Download Table]
                                                                                                                
                                                                                                                
                                                                                              FOR THE YEAR ENDED
                                                            AS OF DECEMBER 31, 2010            DECEMBER 31, 2010
                                                          ------------------------- ----------------------------
                                                                                          COST OF       PROCEEDS
                                                               SHARES      COST ($) PURCHASES ($) FROM SALES ($)
                                                          ----------- ------------- ------------- --------------
Invesco V.I. U.S. Mid Cap Value Sub-Account                 2,212,190    25,207,800     9,263,612        836,199
MFS VIT Research Sub-Account                                    5,903        96,067         1,008         15,353
MFS VIT Investors Trust Sub-Account                             2,166        39,290           623         13,268
MFS VIT New Discovery Sub-Account                               2,560        38,541            --         14,184
Oppenheimer VA Main Street Sub-Account                          5,711       115,766         1,266         18,743
Oppenheimer VA Core Bond Sub-Account                            1,280        13,812         1,102         50,722
Oppenheimer VA Global Strategic Income Sub-Account                735         3,560         1,289         11,599
Oppenheimer VA Main Street Small Cap Sub-Account            4,018,909    55,170,899    15,089,427        832,007
Oppenheimer VA Money Sub-Account                              116,314       116,314            33          1,635
Fidelity VIP Asset Manager Sub-Account                      7,000,337   107,080,925     2,324,176     13,743,209
Fidelity VIP Growth Sub-Account                             3,973,726   148,871,784     1,342,267     13,066,856
Fidelity VIP Contrafund Sub-Account                        15,919,366   363,404,771    40,310,943     25,217,077
Fidelity VIP Overseas Sub-Account                             373,660     6,910,031       235,748        870,357
Fidelity VIP Equity-Income Sub-Account                        333,899     7,692,063       145,835      1,087,513
Fidelity VIP Index 500 Sub-Account                            517,420    65,508,800     2,563,106     10,790,512
Fidelity VIP Money Market Sub-Account                      67,343,838    67,343,848   230,138,193    213,367,356
Fidelity VIP Mid Cap Sub-Account                            5,827,779   151,861,692    48,179,611      1,099,672
Fidelity VIP FundsManager 60% Sub-Account                 119,088,937 1,092,232,845 1,055,664,852          3,652
DWS International Sub-Account                               2,550,214    26,873,889     1,003,192      2,649,564
MSF FI Value Leaders Sub-Account                               37,230     5,900,185     1,331,032        720,873
MSF Russell 2000 Index Sub-Account                          3,565,795    39,439,165    28,449,868      4,501,062
MSF Artio International Stock Sub-Account                     404,146     5,182,094       637,629        795,707
MSF MetLife Stock Index Sub-Account                        11,789,147   308,495,431    71,897,805     46,850,354
MSF BlackRock Legacy Large Cap Growth Sub-Account             348,576     6,695,981     1,517,524      1,933,239
MSF Neuberger Berman Genesis Sub-Account                      848,305    12,627,898       750,993      1,200,400
MSF BlackRock Bond Income Sub-Account                         439,865    46,178,651    10,146,441      7,247,103
MSF BlackRock Large Cap Value Sub-Account                     280,801     3,280,712       372,273        485,885
MSF Barclays Capital Aggregate Bond Index Sub-Account       7,893,439    85,787,064    61,397,649      5,303,650
MSF MFS Value Sub-Account                                   3,690,684    45,117,955    10,421,876      3,076,258
MSF Morgan Stanley EAFE Index Sub-Account                   4,997,884    56,970,410    31,070,441      2,845,266
MSF MFS Total Return Sub-Account                              314,552    43,448,609     3,606,339      6,290,401
MSF MetLife Mid Cap Stock Index Sub-Account                 4,321,336    51,340,707    29,181,850      3,223,873
MSF Davis Venture Value Sub-Account                        19,511,304   513,474,253    75,725,359     15,292,961
MSF Met/Artisan Mid Cap Value Sub-Account                   1,294,055   274,922,023    10,350,566     18,865,641
MSF Jennison Growth Sub-Account                            20,301,139   211,242,124    42,405,948     12,597,131
MSF BlackRock Money Market Sub-Account                      5,538,860   553,885,965   325,262,547    347,909,761
MSF T. Rowe Price Small Cap Growth Sub-Account                516,124     5,806,277     1,377,323      1,602,805
MSF Western Asset Management U.S. Government                                                                    
  Sub-Account                                              17,740,863   212,265,573    85,139,279     15,054,777
MSF Oppenheimer Global Equity Sub-Account                     733,866    10,931,391       455,731      1,564,017
MSF MetLife Aggressive Allocation Sub-Account                 183,585     1,967,684       330,494        253,071
MSF MetLife Conservative Allocation Sub-Account               873,970     9,058,075     3,254,881      4,689,851
MSF MetLife Conservative to Moderate Allocation                                                                 
  Sub-Account                                                 820,733     8,382,420     1,550,845      1,964,878
MSF MetLife Moderate Allocation Sub-Account                 4,388,818    47,989,205     3,624,569      4,330,191
MSF MetLife Moderate to Aggressive Allocation Sub-Account   5,294,867    59,450,350     3,479,894      4,607,922
MSF T. Rowe Price Large Cap Growth Sub-Account                 91,165     1,172,289       482,086        457,518
MSF Loomis Sayles Small Cap Core Sub-Account                   33,108     5,811,914     4,601,393        566,889
MSF Neuberger Berman Mid Cap Value Sub-Account                100,087     1,657,183     1,545,474         78,134
MSF Met/Dimensional International Small Company                                                                 
  Sub-Account                                               2,151,041    29,053,363    17,500,562      3,453,062
MSF Van Eck Global Natural Resources Sub-Account            4,129,471    60,114,952    44,607,714        690,724
Federated Capital Income Sub-Account (b)                        1,516        12,745        21,722          8,938
Federated High Income Bond Sub-Account                          4,214        29,999         2,201            528
Federated Kaufman Sub-Account (b)                               5,339        69,784        79,567          9,762
Neuberger Genesis Sub-Account                                     182         6,192            --          1,893

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

6. STATEMENTS OF INVESTMENTS -- (CONCLUDED)                                     

                                                        [Enlarge/Download Table]
                                                                                                            
                                                                                                            
                                                                                          FOR THE YEAR ENDED
                                                        AS OF DECEMBER 31, 2010            DECEMBER 31, 2010
                                                        ----------------------- ----------------------------
                                                                                      COST OF       PROCEEDS
                                                            SHARES     COST ($) PURCHASES ($) FROM SALES ($)
                                                        ---------- ------------ ------------- --------------
Alger Small Cap Growth Sub-Account                       1,819,823   52,588,160       971,477      6,312,915
T. Rowe Price Growth Stock Sub-Account                     223,044    6,175,653       252,923      1,121,377
T. Rowe Price International Stock Sub-Account               65,504      902,976        46,184         98,196
T. Rowe Price Prime Reserve Sub-Account                  1,264,618    1,264,580       281,688        417,528
Janus Aspen Worldwide Sub-Account                              216        5,077            36            657
American Funds Global Small Capitalization Sub-Account   3,774,377   71,975,602    16,228,804      7,242,021
American Funds Growth Sub-Account                       10,467,684  535,538,238    72,383,428      7,004,780
American Funds Growth--Income Sub-Account                7,781,372  275,582,340    30,810,200      7,460,447
American Funds Global Growth Sub-Account                 9,424,661  198,015,127    25,064,689      2,672,476
American Funds Bond Sub-Account                          8,163,170   84,985,167    29,678,470      2,308,804
FTVIPT Mutual Shares Securities Sub-Account              6,928,348  120,513,176    14,672,950      1,848,145
FTVIPT Templeton Foreign Securities Sub-Account          5,576,194   85,015,887     9,475,579      5,274,881
FTVIPT Templeton Growth Securities Sub-Account           4,105,289   52,987,655     4,116,072      4,043,647
FTVIPT Franklin Income Securities Sub-Account           11,912,868  180,311,599    38,452,843      4,704,023
FTVIPT Templeton Global Bond Securities Sub-Account      4,530,230   79,832,257    37,511,017      1,008,741
FTVIPT Franklin Small Cap Value Securities Sub-Account   1,828,842   23,988,265    11,883,524        839,151
UIF U.S. Real Estate Sub-Account                         5,341,879   87,652,308     5,764,840      8,108,987
Pioneer VCT Bond Sub-Account                               204,205    2,252,108       579,194        459,419
Pioneer VCT Cullen Value Sub-Account                       194,754    1,769,458       334,844        187,875
Pioneer VCT Emerging Markets Sub-Account                    39,066      879,703       305,432        275,879
Pioneer VCT Equity Income Sub-Account                       19,097      289,350        73,296        108,226
Pioneer VCT Fund Sub-Account                                11,676      218,584        23,712         25,189
Pioneer VCT Ibbotson Growth Allocation Sub-Account       1,808,437   13,223,463     1,703,915      1,430,859
Pioneer VCT Ibbotson Moderate Allocation Sub-Account     2,581,341   20,906,141     1,749,959      1,272,525
Pioneer VCT Mid Cap Value Sub-Account                    2,770,165   47,833,938     6,636,045      1,449,505
Pioneer VCT Real Estate Shares Sub-Account                  14,328      148,596        33,389         83,817
LMPVET ClearBridge Variable Small Cap Growth                                                                
  Sub-Account                                            2,177,416   27,378,872     7,701,777      2,415,434
LMPVET ClearBridge Variable Large Cap Value Sub-Account    206,808    3,107,764       400,956        384,036
LMPVET ClearBridge Variable Fundamental All Cap Value                                                       
  Sub-Account                                            5,057,332  104,503,241     7,749,937      4,166,633
LMPVET ClearBridge Variable Appreciation Sub-Account     7,410,438  171,652,710    41,487,156        405,012
LMPVET ClearBridge Variable Aggressive Growth                                                               
  Sub-Account                                            9,581,972  142,477,812    11,397,551      9,456,478
LMPVET ClearBridge Variable Large Cap Growth                                                                
  Sub-Account                                              375,345    5,715,123       396,115      1,663,009
LMPVET Investment Counsel Variable Social Awareness                                                         
  Sub-Account                                               20,930      511,899        98,784        155,382
LMPVET ClearBridge Variable Equity Income Builder                                                           
  Sub-Account                                            8,076,591   90,915,158    15,986,624      5,572,787
LMPVET ClearBridge Variable Capital Sub-Account            467,865    6,974,572       218,625        949,690
LMPVET ClearBridge Variable Dividend Strategy                                                               
  Sub-Account                                              623,914    6,119,776       486,041        989,409
LMPVET Variable Lifestyle Allocation 50% Sub-Account     1,128,176   13,070,583     6,043,670      1,145,587
LMPVET Variable Lifestyle Allocation 70% Sub-Account       316,136    3,434,388       195,319        637,009
LMPVET Variable Lifestyle Allocation 85% Sub-Account     5,122,640   57,396,282     9,723,809      2,564,838
LMPVIT Western Asset Variable Adjustable Rate Income                                                        
  Sub-Account                                              245,154    2,292,723       212,089        349,980
LMPVIT Western Asset Variable Global High Yield Bond                                                        
  Sub-Account                                            7,743,036   65,022,907    15,151,146      4,684,107

(a) For the period May 3, 2010 to December 31, 2010.                            

(b) For the period March 15, 2010 to December 31, 2010.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

7. SCHEDULES OF UNITS                                                           
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009:                                 

                                                        [Enlarge/Download Table]
                                                                                                                  
                                                                                                                  
                                       MIST LORD ABBETT            MIST LORD ABBETT         MIST MORGAN STANLEY   
                                      GROWTH AND INCOME              BOND DEBENTURE              MID CAP GROWTH   
                                            SUB-ACCOUNT                 SUB-ACCOUNT                 SUB-ACCOUNT   
                               --------------------------- --------------------------- ---------------------------
                                     2010          2009          2010          2009          2010          2009   
                               ------------- ------------- ------------- ------------- ------------- -------------
Units beginning of year        14,942,501    15,718,013    11,953,991    11,669,031     5,166,934     4,031,107   
Units issued and transferred                                                                                      
  from other funding options    1,536,657     1,643,593     2,137,545     2,865,165     2,834,922     2,385,389   
Units redeemed and transferred                                                                                    
  to other funding options     (2,267,040)   (2,419,105)   (2,383,232)   (2,580,205)   (1,395,570)   (1,249,562)  
                               ------------- ------------- ------------- ------------- ------------- -------------
Units end of year              14,212,118    14,942,501    11,708,304    11,953,991     6,606,286     5,166,934   
                               ============= ============= ============= ============= ============= =============

                                                        [Enlarge/Download Table]
                                                                                                                  
                                                                                                                  
                                    MIST HARRIS OAKMARK           MIST THIRD AVENUE            MIST OPPENHEIMER   
                                          INTERNATIONAL             SMALL CAP VALUE        CAPITAL APPRECIATION   
                                            SUB-ACCOUNT                 SUB-ACCOUNT                 SUB-ACCOUNT   
                               --------------------------- --------------------------- ---------------------------
                                     2010          2009          2010          2009          2010          2009   
                               ------------- ------------- ------------- ------------- ------------- -------------
Units beginning of year        18,176,767    16,938,263    17,777,766    16,437,324    26,093,951    29,172,000   
Units issued and transferred                                                                                      
  from other funding options    9,297,531     4,876,032     4,136,137     4,335,703     1,245,884     1,766,498   
Units redeemed and transferred                                                                                    
  to other funding options     (3,884,345)   (3,637,528)   (3,119,919)   (2,995,261)   (3,726,005)   (4,844,547)  
                               ------------- ------------- ------------- ------------- ------------- -------------
Units end of year              23,589,953    18,176,767    18,793,984    17,777,766    23,613,830    26,093,951   
                               ============= ============= ============= ============= ============= =============

                                                        [Enlarge/Download Table]
                                                                                                                  
                                                                                                                  
                                   MIST PIMCO INFLATION          MIST T. ROWE PRICE           MIST MFS RESEARCH   
                                         PROTECTED BOND              MID CAP GROWTH               INTERNATIONAL   
                                            SUB-ACCOUNT                 SUB-ACCOUNT                 SUB-ACCOUNT   
                               --------------------------- --------------------------- ---------------------------
                                     2010          2009          2010          2009          2010          2009   
                               ------------- ------------- ------------- ------------- ------------- -------------
Units beginning of year        37,506,865    23,243,826    31,597,201    24,389,138    21,694,779    20,463,384   
Units issued and transferred                                                                                      
  from other funding options   23,935,539    20,070,324    15,342,005    12,284,767     4,866,440     5,385,340   
Units redeemed and transferred                                                                                    
  to other funding options     (8,974,936)   (5,807,285)   (6,582,761)   (5,076,704)   (4,161,521)   (4,153,945)  
                               ------------- ------------- ------------- ------------- ------------- -------------
Units end of year              52,467,468    37,506,865    40,356,445    31,597,201    22,399,698    21,694,779   
                               ============= ============= ============= ============= ============= =============

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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                                                                [Download Table]
                                                                                 
                                                                                 
      MIST LORD ABBETT                                            MIST INVESCO   
         MID CAP VALUE         MIST LAZARD MID CAP            SMALL CAP GROWTH   
           SUB-ACCOUNT                 SUB-ACCOUNT                 SUB-ACCOUNT   
------------------------- --------------------------- ---------------------------
     2010         2009          2010          2009          2010          2009   
------------ ------------ ------------- ------------- ------------- -------------
3,034,782    1,489,703     8,013,598     7,502,381    11,180,366    10,535,898   
2,103,106    2,149,047     2,475,756     2,001,176     3,041,631     2,757,690   
 (785,945)    (603,968)   (1,615,820)   (1,489,959)   (2,278,739)   (2,113,222)  
------------ ------------ ------------- ------------- ------------- -------------
4,351,943    3,034,782     8,873,534     8,013,598    11,943,258    11,180,366   
============ ============ ============= ============= ============= =============

                                                        [Enlarge/Download Table]
                                                                                          
                                                                                          
              MIST LEGG MASON                                                             
CLEARBRIDGE AGGRESSIVE GROWTH       MIST PIMCO TOTAL RETURN         MIST RCM TECHNOLOGY   
                  SUB-ACCOUNT                   SUB-ACCOUNT                 SUB-ACCOUNT   
-------------------------------- ----------------------------- ---------------------------
      2010               2009           2010           2009          2010          2009   
------------- ------------------ -------------- -------------- ------------- -------------
12,110,468         12,239,079     71,654,403     43,564,435    13,832,826    10,849,282   
 4,529,477          2,516,706     60,350,932     38,284,077     7,800,959     6,974,066   
(2,776,446)        (2,645,317)   (20,855,945)   (10,194,109)   (5,459,499)   (3,990,522)  
------------- ------------------ -------------- -------------- ------------- -------------
13,863,499         12,110,468    111,149,390     71,654,403    16,174,286    13,832,826   
============= ================== ============== ============== ============= =============

                                                                [Download Table]
                                                                                   
                                                                                   
     MIST CLARION GLOBAL                 MIST TURNER          MIST GOLDMAN SACHS   
             REAL ESTATE              MID CAP GROWTH               MID CAP VALUE   
             SUB-ACCOUNT                 SUB-ACCOUNT                 SUB-ACCOUNT   
--------------------------- --------------------------- ---------------------------
      2010          2009          2010          2009          2010          2009   
------------- ------------- ------------- ------------- ------------- -------------
 7,999,282     6,912,531     4,875,425     4,470,347     6,218,018     7,184,822   
 3,600,130     3,040,495     2,523,823     2,079,154     2,318,620       165,468   
(1,664,652)   (1,953,744)   (1,540,783)   (1,674,076)   (1,204,443)   (1,132,272)  
------------- ------------- ------------- ------------- ------------- -------------
 9,934,760     7,999,282     5,858,465     4,875,425     7,332,195     6,218,018   
============= ============= ============= ============= ============= =============

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

7. SCHEDULES OF UNITS -- (CONTINUED)                                            
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009:                                 

                                                        [Enlarge/Download Table]
                                                                                                                        
                                                                                                                        
                                             MIST METLIFE                  MIST METLIFE                  MIST METLIFE   
                                       DEFENSIVE STRATEGY             MODERATE STRATEGY             BALANCED STRATEGY   
                                              SUB-ACCOUNT                   SUB-ACCOUNT                   SUB-ACCOUNT   
                               ----------------------------- ----------------------------- -----------------------------
                                      2010           2009           2010           2009           2010           2009   
                               -------------- -------------- -------------- -------------- -------------- --------------
Units beginning of year        134,240,318     98,361,064    201,975,022    157,147,909    458,932,798    406,068,266   
Units issued and transferred                                                                                            
  from other funding options    70,407,244     66,006,315     86,984,304     72,814,087    141,354,473    103,820,915   
Units redeemed and transferred                                                                                          
  to other funding options     (36,735,488)   (30,127,061)   (31,178,901)   (27,986,974)   (53,905,364)   (50,956,383)  
                               -------------- -------------- -------------- -------------- -------------- --------------
Units end of year              167,912,074    134,240,318    257,780,425    201,975,022    546,381,907    458,932,798   
                               ============== ============== ============== ============== ============== ==============

                                                        [Enlarge/Download Table]
                                                                                                                  
                                                                                                                  
                                        MIST LEGG MASON           MIST MFS EMERGING          MIST LOOMIS SAYLES   
                                           VALUE EQUITY              MARKETS EQUITY              GLOBAL MARKETS   
                                            SUB-ACCOUNT                 SUB-ACCOUNT                 SUB-ACCOUNT   
                               --------------------------- --------------------------- ---------------------------
                                     2010          2009          2010          2009          2010          2009   
                               ------------- ------------- ------------- ------------- ------------- -------------
Units beginning of year        12,311,635     9,617,947    18,534,256     9,820,617     7,198,911     5,848,580   
Units issued and transferred                                                                                      
  from other funding options    5,203,304     5,890,764    15,900,566    12,353,343     5,309,769     3,056,769   
Units redeemed and transferred                                                                                    
  to other funding options     (2,652,048)   (3,197,076)   (5,147,163)   (3,639,704)   (1,887,989)   (1,706,438)  
                               ------------- ------------- ------------- ------------- ------------- -------------
Units end of year              14,862,891    12,311,635    29,287,659    18,534,256    10,620,691     7,198,911   
                               ============= ============= ============= ============= ============= =============

                                                        [Enlarge/Download Table]
                                                                                                               
                                                                                                               
                                           MIST PIONEER           MIST BLACKROCK              MIST BLACKROCK   
                                       STRATEGIC INCOME           LARGE CAP CORE                  HIGH YIELD   
                                            SUB-ACCOUNT              SUB-ACCOUNT                 SUB-ACCOUNT   
                               --------------------------- ------------------------ ---------------------------
                                     2010          2009         2010        2009          2010          2009   
                               ------------- ------------- ------------ ----------- ------------- -------------
Units beginning of year        10,957,582     7,373,489      613,169     508,491     5,656,394     1,114,960   
Units issued and transferred                                                                                   
  from other funding options    8,203,544     5,077,225      598,887     239,528     8,972,443     6,142,738   
Units redeemed and transferred                                                                                 
  to other funding options     (2,045,977)   (1,493,132)    (167,817)   (134,850)   (5,594,027)   (1,601,304)  
                               ------------- ------------- ------------ ----------- ------------- -------------
Units end of year              17,115,149    10,957,582    1,044,239     613,169     9,034,810     5,656,394   
                               ============= ============= ============ =========== ============= =============

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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                                                        [Enlarge/Download Table]
                                                                                     
                                                                                     
              MIST METLIFE                MIST METLIFE             MIST VAN KAMPEN   
           GROWTH STRATEGY         AGGRESSIVE STRATEGY                    COMSTOCK   
               SUB-ACCOUNT                 SUB-ACCOUNT                 SUB-ACCOUNT   
----------------------------- --------------------------- ---------------------------
       2010           2009          2010          2009          2010          2009   
-------------- -------------- ------------- ------------- ------------- -------------
490,302,032    494,438,103    41,343,573    39,565,727    16,791,760     5,638,201   
 37,570,947     64,373,807    12,038,416     8,976,104     7,045,507    13,684,341   
(54,711,573)   (68,509,878)   (7,692,287)   (7,198,258)   (2,664,445)   (2,530,782)  
-------------- -------------- ------------- ------------- ------------- -------------
473,161,406    490,302,032    45,689,702    41,343,573    21,172,822    16,791,760   
============== ============== ============= ============= ============= =============

                                                                [Download Table]
                                                                         
                                                                         
                                 MIST DREMAN                             
  MIST JANUS FORTY           SMALL CAP VALUE         MIST PIONEER FUND   
       SUB-ACCOUNT               SUB-ACCOUNT               SUB-ACCOUNT   
--------------------- ------------------------- -------------------------
   2010       2009         2010         2009         2010         2009   
---------- ---------- ------------ ------------ ------------ ------------
192,470    143,074    1,579,618    1,254,915    3,239,380    1,227,336   
273,072    116,640      478,958      662,099    3,338,408    2,278,606   
(67,637)   (67,244)    (380,615)    (337,396)    (600,471)    (266,562)  
---------- ---------- ------------ ------------ ------------ ------------
397,905    192,470    1,677,961    1,579,618    5,977,317    3,239,380   
========== ========== ============ ============ ============ ============

                                                        [Enlarge/Download Table]
                                                                                     
                                                                                     
            MIST RAINIER           MIST AMERICAN FUNDS         MIST AMERICAN FUNDS   
        LARGE CAP EQUITY           BALANCED ALLOCATION                        BOND   
             SUB-ACCOUNT                   SUB-ACCOUNT                 SUB-ACCOUNT   
--------------------------- ----------------------------- ---------------------------
      2010          2009           2010           2009          2010          2009   
------------- ------------- -------------- -------------- ------------- -------------
 4,962,869     4,139,663    147,529,141     47,541,825    14,305,838     3,151,521   
 2,614,493     3,515,585    124,042,699    109,740,383    16,482,411    12,969,406   
(1,751,054)   (2,692,379)   (19,927,334)    (9,753,067)   (4,132,849)   (1,815,089)  
------------- ------------- -------------- -------------- ------------- -------------
 5,826,308     4,962,869    251,644,506    147,529,141    26,655,400    14,305,838   
============= ============= ============== ============== ============= =============

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

7. SCHEDULES OF UNITS -- (CONTINUED)                                            
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009:                                 

                                                        [Enlarge/Download Table]
                                                                                                                    
                                                                                                                    
                                                   MIST           MIST AMERICAN FUNDS         MIST AMERICAN FUNDS   
                                  AMERICAN FUNDS GROWTH             GROWTH ALLOCATION               INTERNATIONAL   
                                            SUB-ACCOUNT                   SUB-ACCOUNT                 SUB-ACCOUNT   
                               --------------------------- ----------------------------- ---------------------------
                                     2010          2009           2010           2009          2010          2009   
                               ------------- ------------- -------------- -------------- ------------- -------------
Units beginning of year        30,278,080     9,556,758    139,002,030     74,827,606    19,914,429     7,576,246   
Units issued and transferred                                                                                        
  from other funding options   29,340,669    25,878,772     40,270,626     84,328,111    18,617,289    15,340,459   
Units redeemed and transferred                                                                                      
  to other funding options     (7,212,138)   (5,157,450)   (23,886,355)   (20,153,687)   (4,727,176)   (3,002,276)  
                               ------------- ------------- -------------- -------------- ------------- -------------
Units end of year              52,406,611    30,278,080    155,386,301    139,002,030    33,804,542    19,914,429   
                               ============= ============= ============== ============== ============= =============

                                                        [Enlarge/Download Table]
                                                                                                              
                                                                                                              
                                              MIST SSGA                   MIST SSGA      MIST MET/TEMPLETON   
                                             GROWTH ETF       GROWTH AND INCOME ETF      INTERNATIONAL BOND   
                                            SUB-ACCOUNT                 SUB-ACCOUNT             SUB-ACCOUNT   
                               --------------------------- --------------------------- -----------------------
                                     2010          2009          2010          2009         2010    2009 (a)  
                               ------------- ------------- ------------- ------------- ------------ ----------
Units beginning of year        16,443,398       190,893    29,942,630       312,145      775,327         --   
Units issued and transferred                                                                                  
  from other funding options   17,578,371    19,507,804    60,995,275    32,168,027    2,588,044    844,394   
Units redeemed and transferred                                                                                
  to other funding options     (4,885,703)   (3,255,299)   (5,109,943)   (2,537,542)    (380,775)   (69,067)  
                               ------------- ------------- ------------- ------------- ------------ ----------
Units end of year              29,136,066    16,443,398    85,827,962    29,942,630    2,982,596    775,327   
                               ============= ============= ============= ============= ============ ==========

                                                        [Enlarge/Download Table]
                                                                                                            
                                                                                                            
                                         INVESCO V.I.               INVESCO V.I.      INVESCO V.I. GLOBAL   
                                 INTERNATIONAL GROWTH             BASIC BALANCED              REAL ESTATE   
                                          SUB-ACCOUNT                SUB-ACCOUNT              SUB-ACCOUNT   
                               ------------------------- -------------------------- ------------------------
                                    2010         2009            2010       2009         2010        2009   
                               ------------ ------------ --------------- ---------- ------------ -----------
Units beginning of year        2,818,925    1,618,515          60,967     88,650      704,385     449,308   
Units issued and transferred                                                                                
  from other funding options   1,870,709    1,438,213              --         --      606,861     403,915   
Units redeemed and transferred                                                                              
  to other funding options      (362,061)    (237,803)         (5,000)   (27,683)    (162,303)   (148,838)  
                               ------------ ------------ --------------- ---------- ------------ -----------
Units end of year              4,327,573    2,818,925          55,967     60,967    1,148,943     704,385   
                               ============ ============ =============== ========== ============ ===========

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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                                                        [Enlarge/Download Table]
                                                                                       
                                                                                       
      MIST AMERICAN FUNDS           MIST MET/FRANKLIN    MIST MET/FRANKLIN TEMPLETON   
      MODERATE ALLOCATION               MUTUAL SHARES              FOUNDING STRATEGY   
              SUB-ACCOUNT                 SUB-ACCOUNT                    SUB-ACCOUNT   
---------------------------- --------------------------- ------------------------------
       2010          2009          2010          2009          2010             2009   
-------------- ------------- ------------- ------------- ------------- ----------------
 89,994,728    29,162,701     7,713,701     1,978,335    49,352,169       27,525,771   
 65,794,039    66,983,370     7,738,231     6,931,863    19,542,207       30,026,563   
(11,912,100)   (6,151,343)   (1,769,941)   (1,196,497)   (9,578,580)      (8,200,165)  
-------------- ------------- ------------- ------------- ------------- ----------------
143,876,667    89,994,728    13,681,991     7,713,701    59,315,796       49,352,169   
============== ============= ============= ============= ============= ================

                                                                [Download Table]
                                                                                   
                                                                                   
  MIST MET/        MIST MET/                                                       
  TEMPLETON      EATON VANCE                                INVESCO V.I. CAPITAL   
     GROWTH    FLOATING RATE    INVESCO V.I. CORE EQUITY            APPRECIATION   
SUB-ACCOUNT      SUB-ACCOUNT                 SUB-ACCOUNT             SUB-ACCOUNT   
-------------- ---------------- --------------------------- -----------------------
    2010 (b)         2010 (b)      2010             2009      2010          2009   
-------------- ---------------- ---------- ---------------- --------- -------------
         --               --     99,143          120,534    41,631        50,723   
    665,172        1,761,955         21               26        18            50   
    (50,615)        (161,810)   (10,524)         (21,417)   (8,520)       (9,142)  
-------------- ---------------- ---------- ---------------- --------- -------------
    614,557        1,600,145     88,640           99,143    33,129        41,631   
============== ================ ========== ================ ========= =============

                                                                [Download Table]
                                                                               
                                                                               
INVESCO V.I.                        INVESCO V.I.                INVESCO V.I.   
        CAPITAL GROWTH         GROWTH AND INCOME           EQUITY AND INCOME   
           SUB-ACCOUNT               SUB-ACCOUNT                 SUB-ACCOUNT   
------------------------- ------------------------- ---------------------------
        2010      2009         2010         2009          2010          2009   
--------------- --------- ------------ ------------ ------------- -------------
      26,829    33,379    6,896,039    4,699,178    17,747,381    13,625,412   
      32,291     3,258    2,959,924    2,920,745     6,790,513     6,649,121   
     (33,757)   (9,808)    (794,200)    (723,884)   (2,338,446)   (2,527,152)  
--------------- --------- ------------ ------------ ------------- -------------
      25,363    26,829    9,061,763    6,896,039    22,199,448    17,747,381   
=============== ========= ============ ============ ============= =============

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

7. SCHEDULES OF UNITS -- (CONTINUED)                                            
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009:                                 

                                                        [Enlarge/Download Table]
                                                                                                       
                                                                                                       
                                         INVESCO V.I.                                                  
                                   U.S. MID CAP VALUE    MFS VIT RESEARCH    MFS VIT INVESTORS TRUST   
                                          SUB-ACCOUNT         SUB-ACCOUNT                SUB-ACCOUNT   
                               ------------------------- ------------------- --------------------------
                                    2010         2009      2010      2009      2010             2009   
                               ------------ ------------ --------- --------- --------- ----------------
Units beginning of year        1,763,519    1,130,852    23,944    26,232    11,563           13,271   
Units issued and transferred                                                                           
  from other funding options   1,259,195      948,950        --        --        --               --   
Units redeemed and transferred                                                                         
  to other funding options      (349,066)    (316,283)   (2,742)   (2,288)   (2,880)          (1,708)  
                               ------------ ------------ --------- --------- --------- ----------------
Units end of year              2,673,648    1,763,519    21,202    23,944     8,683           11,563   
                               ============ ============ ========= ========= ========= ================

                                                        [Enlarge/Download Table]
                                                                                                           
                                                                                                           
                                        OPPENHEIMER VA            OPPENHEIMER VA                           
                               GLOBAL STRATEGIC INCOME     MAIN STREET SMALL CAP    OPPENHEIMER VA MONEY   
                                           SUB-ACCOUNT               SUB-ACCOUNT             SUB-ACCOUNT   
                               -------------------------- ------------------------- -----------------------
                                 2010             2009         2010         2009      2010          2009   
                               --------- ---------------- ------------ ------------ ------ ----------------
Units beginning of year         1,786            1,903    3,126,840    1,863,546    20,177        25,333   
Units issued and transferred                                                                               
  from other funding options       --               --    1,486,005    1,625,772        --            --   
Units redeemed and transferred                                                                             
  to other funding options     (1,343)            (117)    (485,637)    (362,478)       --        (5,156)  
                               --------- ---------------- ------------ ------------ ------ ----------------
Units end of year                 443            1,786    4,127,208    3,126,840    20,177        20,177   
                               ========= ================ ============ ============ ====== ================

                                                        [Enlarge/Download Table]
                                                                                                        
                                                                                                        
                                                               FIDELITY VIP                             
                               FIDELITY VIP OVERSEAS          EQUITY-INCOME    FIDELITY VIP INDEX 500   
                                         SUB-ACCOUNT            SUB-ACCOUNT               SUB-ACCOUNT   
                               ------------------------ ---------------------- -------------------------
                                   2010         2009       2010        2009         2010         2009   
                               ----------- ------------ ---------- ----------- ------------ ------------
Units beginning of year         663,667      713,199    619,856     744,861    5,300,313    6,061,847   
Units issued and transferred                                                                            
  from other funding options     39,152       50,415      3,984       9,192       20,873       26,253   
Units redeemed and transferred                                                                          
  to other funding options     (109,091)     (99,947)   (93,665)   (134,197)    (755,797)    (787,787)  
                               ----------- ------------ ---------- ----------- ------------ ------------
Units end of year               593,728      663,667    530,175     619,856    4,565,389    5,300,313   
                               =========== ============ ========== =========== ============ ============

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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                                                                [Download Table]
                                                                                  
                                                                                  
MFS VIT NEW DISCOVERY    OPPENHEIMER VA MAIN STREET    OPPENHEIMER VA CORE BOND   
          SUB-ACCOUNT                   SUB-ACCOUNT                 SUB-ACCOUNT   
------------------------ ----------------------------- ---------------------------
  2010           2009      2010                2009       2010             2009   
--------- -------------- --------- ------------------- ---------- ----------------
 6,461         10,205    28,105              31,897     12,533           22,518   
    --             --        --                  --         --               --   
(1,510)        (3,744)   (3,878)             (3,792)   (10,581)          (9,985)  
--------- -------------- --------- ------------------- ---------- ----------------
 4,951          6,461    24,227              28,105      1,952           12,533   
========= ============== ========= =================== ========== ================

                                                        [Enlarge/Download Table]
                                                                                     
                                                                                     
FIDELITY VIP ASSET MANAGER         FIDELITY VIP GROWTH     FIDELITY VIP CONTRAFUND   
               SUB-ACCOUNT                 SUB-ACCOUNT                 SUB-ACCOUNT   
----------------------------- --------------------------- ---------------------------
      2010            2009          2010          2009          2010          2009   
------------- --------------- ------------- ------------- ------------- -------------
 9,345,424      10,322,631    11,893,241    12,838,680    15,955,996    16,114,037   
   344,604         452,720       612,157       850,650     2,046,178     2,189,237   
(1,426,044)     (1,429,927)   (1,554,058)   (1,796,089)   (2,294,600)   (2,347,278)  
------------- --------------- ------------- ------------- ------------- -------------
 8,263,984       9,345,424    10,951,340    11,893,241    15,707,574    15,955,996   
============= =============== ============= ============= ============= =============

                                                                [Download Table]
                                                                                  
                                                                                  
                                                                   FIDELITY VIP   
FIDELITY VIP MONEY MARKET      FIDELITY VIP MID CAP            FUNDSMANAGER 60%   
              SUB-ACCOUNT               SUB-ACCOUNT                 SUB-ACCOUNT   
---------------------------- ------------------------- ---------------------------
       2010          2009         2010         2009           2010      2009 (c)  
-------------- ------------- ------------ ------------ -------------- ------------
  6,126,543     5,530,761    3,075,278    1,905,032      4,074,373           --   
 96,878,440     5,540,548    1,773,206    1,472,702    116,408,584    4,203,193   
(95,512,578)   (4,944,766)    (483,903)    (302,456)    (1,658,506)    (128,820)  
-------------- ------------- ------------ ------------ -------------- ------------
  7,492,405     6,126,543    4,364,581    3,075,278    118,824,451    4,074,373   
============== ============= ============ ============ ============== ============

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

7. SCHEDULES OF UNITS -- (CONTINUED)                                            
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009:                                 

                                                        [Enlarge/Download Table]
                                                                                                          
                                                                                                          
                                    DWS INTERNATIONAL    MSF FI VALUE LEADERS    MSF RUSSELL 2000 INDEX   
                                          SUB-ACCOUNT             SUB-ACCOUNT               SUB-ACCOUNT   
                               ------------------------- ----------------------- -------------------------
                                    2010         2009       2010         2009         2010         2009   
                               ------------ ------------ ---------- ------------ ------------ ------------
Units beginning of year        2,700,348    2,819,612    265,682      251,266    1,108,328      478,053   
Units issued and transferred                                                                              
  from other funding options     230,638      318,119     99,348       58,351    2,273,866      942,236   
Units redeemed and transferred                                                                            
  to other funding options      (459,601)    (437,383)   (59,447)     (43,935)    (678,616)    (311,961)  
                               ------------ ------------ ---------- ------------ ------------ ------------
Units end of year              2,471,385    2,700,348    305,583      265,682    2,703,578    1,108,328   
                               ============ ============ ========== ============ ============ ============

                                                        [Enlarge/Download Table]
                                                                                                    
                                                                                                    
                               MSF NEUBERGER BERMAN           MSF BLACKROCK         MSF BLACKROCK   
                                            GENESIS             BOND INCOME       LARGE CAP VALUE   
                                        SUB-ACCOUNT             SUB-ACCOUNT           SUB-ACCOUNT   
                               ----------------------- ----------------------- ---------------------
                                   2010        2009        2010        2009       2010       2009   
                               ----------- ----------- ----------- ----------- ---------- ----------
Units beginning of year         605,787     587,465     911,026     748,389    264,703    257,240   
Units issued and transferred                                                                        
  from other funding options     96,136     117,875     285,215     405,171     48,171     66,523   
Units redeemed and transferred                                                                      
  to other funding options     (123,360)    (99,553)   (243,407)   (242,534)   (59,421)   (59,060)  
                               ----------- ----------- ----------- ----------- ---------- ----------
Units end of year               578,563     605,787     952,834     911,026    253,453    264,703   
                               =========== =========== =========== =========== ========== ==========

                                                        [Enlarge/Download Table]
                                                                                                              
                                                                                                              
                                                                    MSF METLIFE           MSF DAVIS VENTURE   
                                 MSF MFS TOTAL RETURN       MID CAP STOCK INDEX                       VALUE   
                                          SUB-ACCOUNT               SUB-ACCOUNT                 SUB-ACCOUNT   
                               ------------------------- ------------------------- ---------------------------
                                    2010         2009         2010         2009          2010          2009   
                               ------------ ------------ ------------ ------------ ------------- -------------
Units beginning of year        1,006,138      977,440    1,692,693      999,722    41,123,511    37,459,395   
Units issued and transferred                                                                                  
  from other funding options     126,620      268,850    2,366,351      929,016    11,167,451     9,976,448   
Units redeemed and transferred                                                                                
  to other funding options      (203,556)    (240,152)    (615,743)    (236,045)   (5,875,539)   (6,312,332)  
                               ------------ ------------ ------------ ------------ ------------- -------------
Units end of year                929,202    1,006,138    3,443,301    1,692,693    46,415,423    41,123,511   
                               ============ ============ ============ ============ ============= =============

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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                                                                [Download Table]
                                                                              
                                                                              
MSF ARTIO                                                     MSF BLACKROCK   
 INTERNATIONAL STOCK     MSF METLIFE STOCK INDEX    LEGACY LARGE CAP GROWTH   
         SUB-ACCOUNT                 SUB-ACCOUNT                SUB-ACCOUNT   
----------------------- --------------------------- --------------------------
     2010       2009          2010          2009        2010           2009   
------------ ---------- ------------- ------------- ----------- --------------
  337,655    380,684    21,150,594    15,678,062     612,808         49,555   
   65,262     50,582     9,022,338    10,399,383     130,372        697,214   
  (84,505)   (93,611)   (6,370,972)   (4,926,851)   (141,995)      (133,961)  
------------ ---------- ------------- ------------- ----------- --------------
  318,412    337,655    23,801,960    21,150,594     601,185        612,808   
============ ========== ============= ============= =========== ==============

                                                                [Download Table]
                                                                              
                                                                              
   MSF BARCLAYS CAPITAL                   MSF MFS        MSF MORGAN STANLEY   
   AGGREGATE BOND INDEX                     VALUE                EAFE INDEX   
            SUB-ACCOUNT               SUB-ACCOUNT               SUB-ACCOUNT   
-------------------------- ------------------------- -------------------------
      2010         2009         2010         2009         2010         2009   
------------- ------------ ------------ ------------ ------------ ------------
 2,010,364      527,803    2,664,361    2,080,451    2,230,107    1,129,559   
 4,667,969    1,661,447    1,034,132      941,946    3,151,237    1,389,614   
(1,032,196)    (178,886)    (463,844)    (358,036)    (744,853)    (289,066)  
------------- ------------ ------------ ------------ ------------ ------------
 5,646,137    2,010,364    3,234,649    2,664,361    4,636,491    2,230,107   
============= ============ ============ ============ ============ ============

                                                        [Enlarge/Download Table]
                                                                                     
                                                                                     
         MSF MET/ARTISAN                MSF JENNISON                 MSF BLACKROCK   
           MID CAP VALUE                      GROWTH                  MONEY MARKET   
             SUB-ACCOUNT                 SUB-ACCOUNT                   SUB-ACCOUNT   
--------------------------- --------------------------- -----------------------------
      2010          2009          2010          2009           2010           2009   
------------- ------------- ------------- ------------- -------------- --------------
15,659,935    16,302,851    17,375,446    14,090,231     54,211,009     55,686,362   
 2,242,180     2,167,855     6,571,017     6,315,272     56,918,244     54,275,644   
(2,738,170)   (2,810,771)   (3,716,293)   (3,030,057)   (60,114,235)   (55,750,997)  
------------- ------------- ------------- ------------- -------------- --------------
15,163,945    15,659,935    20,230,170    17,375,446     51,015,018     54,211,009   
============= ============= ============= ============= ============== ==============

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

7. SCHEDULES OF UNITS -- (CONTINUED)                                            
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009:                                 

                                                        [Enlarge/Download Table]
                                                                                                          
                                                                                                          
                                                              MSF WESTERN ASSET                           
                                  MSF T. ROWE PRICE                  MANAGEMENT         MSF OPPENHEIMER   
                                   SMALL CAP GROWTH             U.S. GOVERNMENT           GLOBAL EQUITY   
                                        SUB-ACCOUNT                 SUB-ACCOUNT             SUB-ACCOUNT   
                               ----------------------- --------------------------- -----------------------
                                   2010        2009          2010          2009        2010        2009   
                               ----------- ----------- ------------- ------------- ----------- -----------
Units beginning of year         481,022     332,266     8,573,371     5,356,593     672,213     671,786   
Units issued and transferred                                                                              
  from other funding options     99,207     279,905     7,037,310     6,094,104      41,665     135,384   
Units redeemed and transferred                                                                            
  to other funding options     (114,897)   (131,149)   (3,052,095)   (2,877,326)   (104,909)   (134,957)  
                               ----------- ----------- ------------- ------------- ----------- -----------
Units end of year               465,332     481,022    12,558,586     8,573,371     608,969     672,213   
                               =========== =========== ============= ============= =========== ===========

                                                        [Enlarge/Download Table]
                                                                                                        
                                                                                                        
                                          MSF METLIFE    MSF METLIFE MODERATE TO    MSF T. ROWE PRICE   
                                  MODERATE ALLOCATION      AGGRESSIVE ALLOCATION     LARGE CAP GROWTH   
                                          SUB-ACCOUNT                SUB-ACCOUNT          SUB-ACCOUNT   
                               ------------------------- -------------------------- --------------------
                                    2010         2009         2010          2009       2010      2009   
                               ------------ ------------ ------------ ------------- ---------- ---------
Units beginning of year        4,293,013    4,259,716    5,328,120     5,745,796     39,614    27,135   
Units issued and transferred                                                                            
  from other funding options     262,765      358,294      257,429       505,834     18,052    20,301   
Units redeemed and transferred                                                                          
  to other funding options      (363,254)    (324,997)    (391,533)     (923,510)   (17,170)   (7,822)  
                               ------------ ------------ ------------ ------------- ---------- ---------
Units end of year              4,192,524    4,293,013    5,194,016     5,328,120     40,496    39,614   
                               ============ ============ ============ ============= ========== =========

                                                        [Enlarge/Download Table]
                                                                                                                    
                                                                                                                    
                                                           FEDERATED                                                
                                   MSF VAN ECK GLOBAL        CAPITAL                                    FEDERATED   
                                    NATURAL RESOURCES         INCOME    FEDERATED HIGH INCOME BOND        KAUFMAN   
                                          SUB-ACCOUNT    SUB-ACCOUNT                   SUB-ACCOUNT    SUB-ACCOUNT   
                               ------------------------- -------------- ----------------------------- --------------
                                    2010      2009 (a)       2010 (d)    2010                 2009        2010 (d)  
                               ------------ ------------ -------------- -------- -------------------- --------------
Units beginning of year        1,195,095           --             --    3,582               10,612             --   
Units issued and transferred                                                                                        
  from other funding options   3,313,910    1,252,359          4,805       --                   --         15,991   
Units redeemed and transferred                                                                                      
  to other funding options      (541,780)     (57,264)        (1,957)     (16)              (7,030)        (1,807)  
                               ------------ ------------ -------------- -------- -------------------- --------------
Units end of year              3,967,225    1,195,095          2,848    3,566                3,582         14,184   
                               ============ ============ ============== ======== ==================== ==============

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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                                                                [Download Table]
                                                                                  
                                                                                  
          MSF METLIFE                MSF METLIFE    MSF METLIFE CONSERVATIVE TO   
AGGRESSIVE ALLOCATION    CONSERVATIVE ALLOCATION            MODERATE ALLOCATION   
          SUB-ACCOUNT                SUB-ACCOUNT                    SUB-ACCOUNT   
------------------------ -------------------------- ------------------------------
   2010          2009        2010           2009        2010               2009   
---------- ------------- ----------- -------------- ----------- ------------------
169,980       159,053     967,744        602,771     836,071            664,967   
 33,862        36,343     250,831        562,989     117,347            287,835   
(23,698)      (25,416)   (388,352)      (198,016)   (170,643)          (116,731)  
---------- ------------- ----------- -------------- ----------- ------------------
180,144       169,980     830,223        967,744     782,775            836,071   
========== ============= =========== ============== =========== ==================

                                                                [Download Table]
                                                                      
                                                                      
                                                MSF MET/DIMENSIONAL   
MSF LOOMIS SAYLES    MSF NEUBERGER BERMAN             INTERNATIONAL   
   SMALL CAP CORE           MID CAP VALUE             SMALL COMPANY   
      SUB-ACCOUNT             SUB-ACCOUNT               SUB-ACCOUNT   
-------------------- ----------------------- -------------------------
   2010      2009      2010          2009         2010         2009   
---------- --------- --------- ------------- ------------ ------------
 73,444       926    11,335         1,374    1,225,665       12,651   
177,229    81,411    76,055        12,821    1,504,214    1,597,291   
(36,366)   (8,893)   (4,939)       (2,860)    (647,605)    (384,277)  
---------- --------- --------- ------------- ------------ ------------
214,307    73,444    82,451        11,335    2,082,274    1,225,665   
========== ========= ========= ============= ============ ============

                                                                [Download Table]
                                                                            
                                                                            
NEUBERGER GENESIS    ALGER SMALL CAP GROWTH    T. ROWE PRICE GROWTH STOCK   
      SUB-ACCOUNT               SUB-ACCOUNT                   SUB-ACCOUNT   
-------------------- ------------------------- -----------------------------
2010         2009         2010         2009       2010               2009   
------- ------------ ------------ ------------ ---------- ------------------
 697          809    6,156,883    6,485,576     97,059            104,973   
  --           --      440,832      526,993      4,878              6,341   
(126)        (112)    (962,784)    (855,686)   (16,062)           (14,255)  
------- ------------ ------------ ------------ ---------- ------------------
 571          697    5,634,931    6,156,883     85,875             97,059   
======= ============ ============ ============ ========== ==================

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

7. SCHEDULES OF UNITS -- (CONTINUED)                                            
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009:                                 

                                                        [Enlarge/Download Table]
                                                                                                    
                                                                                                    
                                     T. ROWE PRICE         T. ROWE PRICE                            
                               INTERNATIONAL STOCK         PRIME RESERVE    JANUS ASPEN WORLDWIDE   
                                       SUB-ACCOUNT           SUB-ACCOUNT              SUB-ACCOUNT   
                               ---------------------- --------------------- ------------------------
                                 2010         2009       2010       2009    2010             2009   
                               --------- ------------ ---------- ---------- ------- ----------------
Units beginning of year        72,797       76,425     76,856    120,897     999            1,089   
Units issued and transferred                                                                        
  from other funding options    3,959        5,193     15,515     43,074      --               --   
Units redeemed and transferred                                                                      
  to other funding options     (8,639)      (8,821)   (22,358)   (87,115)    (98)             (90)  
                               --------- ------------ ---------- ---------- ------- ----------------
Units end of year              68,117       72,797     70,013     76,856     901              999   
                               ========= ============ ========== ========== ======= ================

                                                        [Enlarge/Download Table]
                                                                                                               
                                                                                                               
                                        AMERICAN FUNDS                                                FTVIPT   
                                         GLOBAL GROWTH       AMERICAN FUNDS BOND    MUTUAL SHARES SECURITIES   
                                           SUB-ACCOUNT               SUB-ACCOUNT                 SUB-ACCOUNT   
                               -------------------------- ------------------------- ---------------------------
                                    2010          2009         2010         2009         2010           2009   
                               ------------ ------------- ------------ ------------ ------------ --------------
Units beginning of year        6,579,263     5,818,048    3,608,245    1,887,421    4,784,657      3,944,854   
Units issued and transferred                                                                                   
  from other funding options   1,820,255     1,803,874    2,268,949    2,179,228    1,283,480      1,429,387   
Units redeemed and transferred                                                                                 
  to other funding options      (929,411)   (1,042,659)    (693,711)    (458,404)    (636,702)      (589,584)  
                               ------------ ------------- ------------ ------------ ------------ --------------
Units end of year              7,470,107     6,579,263    5,183,483    3,608,245    5,431,435      4,784,657   
                               ============ ============= ============ ============ ============ ==============

                                                        [Enlarge/Download Table]
                                                                                                                
                                                                                                                
                                     FTVIPT TEMPLETON               FTVIPT FRANKLIN                             
                               GLOBAL BOND SECURITIES    SMALL CAP VALUE SECURITIES      UIF U.S. REAL ESTATE   
                                          SUB-ACCOUNT                   SUB-ACCOUNT               SUB-ACCOUNT   
                               ------------------------- ----------------------------- -------------------------
                                    2010         2009         2010             2009         2010         2009   
                               ------------ ------------ ------------ ---------------- ------------ ------------
Units beginning of year        2,853,081    1,462,599    1,787,114          856,253    2,542,094    2,248,952   
Units issued and transferred                                                                                    
  from other funding options   2,640,993    1,894,407    1,819,181        1,334,846      385,013      734,874   
Units redeemed and transferred                                                                                  
  to other funding options      (496,483)    (503,925)    (427,865)        (403,985)    (599,357)    (441,732)  
                               ------------ ------------ ------------ ---------------- ------------ ------------
Units end of year              4,997,591    2,853,081    3,178,430        1,787,114    2,327,750    2,542,094   
                               ============ ============ ============ ================ ============ ============

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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                                                                [Download Table]
                                                                                  
                                                                                  
             AMERICAN FUNDS            AMERICAN FUNDS            AMERICAN FUNDS   
GLOBAL SMALL CAPITALIZATION                    GROWTH             GROWTH-INCOME   
                SUB-ACCOUNT               SUB-ACCOUNT               SUB-ACCOUNT   
------------------------------ ------------------------- -------------------------
     2010              2009         2010         2009         2010         2009   
------------ ----------------- ------------ ------------ ------------ ------------
2,262,060         1,683,911    3,225,880    2,453,157    2,398,146    1,942,091   
  894,535           990,083      942,727    1,150,525      615,981      748,276   
 (578,587)         (411,934)    (450,931)    (377,802)    (375,057)    (292,221)  
------------ ----------------- ------------ ------------ ------------ ------------
2,578,008         2,262,060    3,717,676    3,225,880    2,639,070    2,398,146   
============ ================= ============ ============ ============ ============

                                                                [Download Table]
                                                                             
                                                                             
      FTVIPT TEMPLETON          FTVIPT TEMPLETON           FTVIPT FRANKLIN   
    FOREIGN SECURITIES         GROWTH SECURITIES         INCOME SECURITIES   
           SUB-ACCOUNT               SUB-ACCOUNT               SUB-ACCOUNT   
------------------------- ------------------------- -------------------------
     2010         2009         2010         2009         2010         2009   
------------ ------------ ------------ ------------ ------------ ------------
2,655,441    2,485,260    3,416,400    2,828,128    3,157,996    2,613,572   
  583,518      659,869      599,836    1,150,853    1,073,134      995,159   
 (456,954)    (489,688)    (565,909)    (562,581)    (508,398)    (450,735)  
------------ ------------ ------------ ------------ ------------ ------------
2,782,005    2,655,441    3,450,327    3,416,400    3,722,732    3,157,996   
============ ============ ============ ============ ============ ============

                                                                [Download Table]
                                                                       
                                                                       
                                                         PIONEER VCT   
  PIONEER VCT BOND    PIONEER VCT CULLEN VALUE      EMERGING MARKETS   
       SUB-ACCOUNT                 SUB-ACCOUNT           SUB-ACCOUNT   
--------------------- --------------------------- ---------------------
   2010       2009       2010             2009       2010       2009   
---------- ---------- ---------- ---------------- ---------- ----------
193,471      8,267    223,412           21,316     60,035      4,387   
 43,425    197,855     44,706          244,085     19,312     69,030   
(40,047)   (12,651)   (24,374)         (41,989)   (16,583)   (13,382)  
---------- ---------- ---------- ---------------- ---------- ----------
196,849    193,471    243,744          223,412     62,764     60,035   
========== ========== ========== ================ ========== ==========

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

7. SCHEDULES OF UNITS -- (CONTINUED)                                            
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009:                                 

                                                        [Enlarge/Download Table]
                                                                                                             
                                                                                                             
                                                                                               PIONEER VCT   
                               PIONEER VCT EQUITY INCOME    PIONEER VCT FUND    IBBOTSON GROWTH ALLOCATION   
                                             SUB-ACCOUNT         SUB-ACCOUNT                   SUB-ACCOUNT   
                               ---------------------------- ------------------- -----------------------------
                                 2010               2009      2010      2009         2010             2009   
                               --------- ------------------ --------- --------- ------------ ----------------
Units beginning of year        20,833              2,134    26,714     5,631    1,257,274          346,884   
Units issued and transferred                                                                                 
  from other funding options    3,801             23,500     2,746    23,854      115,549        1,021,218   
Units redeemed and transferred                                                                               
  to other funding options     (5,766)            (4,801)   (2,647)   (2,771)     (97,687)        (110,828)  
                               --------- ------------------ --------- --------- ------------ ----------------
Units end of year              18,868             20,833    26,813    26,714    1,275,136        1,257,274   
                               ========= ================== ========= ========= ============ ================

                                                        [Enlarge/Download Table]
                                                                                                                      
                                                                                                                      
                                      LMPVET CLEARBRIDGE          LMPVET CLEARBRIDGE    LMPVET CLEARBRIDGE VARIABLE   
                               VARIABLE SMALL CAP GROWTH    VARIABLE LARGE CAP VALUE      FUNDAMENTAL ALL CAP VALUE   
                                             SUB-ACCOUNT                 SUB-ACCOUNT                    SUB-ACCOUNT   
                               ---------------------------- --------------------------- ------------------------------
                                    2010            2009       2010             2009         2010              2009   
                               ------------ --------------- ---------- ---------------- ------------ -----------------
Units beginning of year        1,757,714       1,214,861    196,692          188,889    2,989,079         2,724,852   
Units issued and transferred                                                                                          
  from other funding options     888,650         952,710     29,654           34,053      524,162           679,485   
Units redeemed and transferred                                                                                        
  to other funding options      (496,739)       (409,857)   (31,447)         (26,250)    (412,366)         (415,258)  
                               ------------ --------------- ---------- ---------------- ------------ -----------------
Units end of year              2,149,625       1,757,714    194,899          196,692    3,100,875         2,989,079   
                               ============ =============== ========== ================ ============ =================

                                                        [Enlarge/Download Table]
                                                                                                                   
                                                                                                                   
                               LMPVET INVESTMENT COUNSEL                LMPVET CLEARBRIDGE    LMPVET CLEARBRIDGE   
                               VARIABLE SOCIAL AWARENESS    VARIABLE EQUITY INCOME BUILDER      VARIABLE CAPITAL   
                                             SUB-ACCOUNT                       SUB-ACCOUNT           SUB-ACCOUNT   
                               ---------------------------- --------------------------------- ---------------------
                                 2010               2009         2010                 2009       2010       2009   
                               --------- ------------------ ------------ -------------------- ---------- ----------
Units beginning of year        19,412             25,775    6,144,958            5,136,303    422,476    459,735   
Units issued and transferred                                                                                       
  from other funding options    3,746              1,814    1,589,873            1,895,270     21,542     31,219   
Units redeemed and transferred                                                                                     
  to other funding options     (5,734)            (8,177)    (956,792)            (886,615)   (74,152)   (68,478)  
                               --------- ------------------ ------------ -------------------- ---------- ----------
Units end of year              17,424             19,412    6,778,039            6,144,958    369,866    422,476   
                               ========= ================== ============ ==================== ========== ==========

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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                                                                [Download Table]
                                                                               
                                                                               
                 PIONEER VCT               PIONEER VCT           PIONEER VCT   
IBBOTSON MODERATE ALLOCATION             MID CAP VALUE    REAL ESTATE SHARES   
                 SUB-ACCOUNT               SUB-ACCOUNT           SUB-ACCOUNT   
------------------------------- ------------------------- ---------------------
     2010               2009         2010         2009      2010        2009   
------------ ------------------ ------------ ------------ --------- -----------
1,818,031            109,195    1,309,529    1,105,223    16,034       3,001   
  101,045          1,811,953      378,519      385,549     1,992      21,091   
  (85,333)          (103,117)    (194,699)    (181,243)   (5,043)     (8,058)  
------------ ------------------ ------------ ------------ --------- -----------
1,833,743          1,818,031    1,493,349    1,309,529    12,983      16,034   
============ ================== ============ ============ ========= ===========

                                                                [Download Table]
                                                                                    
                                                                                    
    LMPVET CLEARBRIDGE            LMPVET CLEARBRIDGE           LMPVET CLEARBRIDGE   
 VARIABLE APPRECIATION    VARIABLE AGGRESSIVE GROWTH    VARIABLE LARGE CAP GROWTH   
           SUB-ACCOUNT                   SUB-ACCOUNT                  SUB-ACCOUNT   
------------------------- ----------------------------- ----------------------------
     2010         2009          2010            2009        2010             2009   
------------ ------------ ------------- --------------- ----------- ----------------
4,134,838    3,070,482    11,503,827      10,751,677     557,417          629,993   
1,932,621    1,673,500     2,318,559       2,542,293      46,697           48,243   
 (552,206)    (609,144)   (2,079,414)     (1,790,143)   (144,764)        (120,819)  
------------ ------------ ------------- --------------- ----------- ----------------
5,515,253    4,134,838    11,742,972      11,503,827     459,350          557,417   
============ ============ ============= =============== =========== ================

                                                        [Enlarge/Download Table]
                                                                                     
                                                                                     
        LMPVET CLEARBRIDGE             LMPVET VARIABLE             LMPVET VARIABLE   
VARIABLE DIVIDEND STRATEGY    LIFESTYLE ALLOCATION 50%    LIFESTYLE ALLOCATION 70%   
               SUB-ACCOUNT                 SUB-ACCOUNT                 SUB-ACCOUNT   
----------------------------- --------------------------- ---------------------------
    2010              2009        2010            2009       2010             2009   
----------- ----------------- ----------- --------------- ---------- ----------------
 709,577           798,585     487,451         567,873    271,548          280,357   
  54,553            75,267     386,123          59,617     11,385           41,714   
(122,614)         (164,275)   (104,052)       (140,039)   (46,812)         (50,523)  
----------- ----------------- ----------- --------------- ---------- ----------------
 641,516           709,577     769,522         487,451    236,121          271,548   
=========== ================= =========== =============== ========== ================

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

7. SCHEDULES OF UNITS -- (CONCLUDED)                                            
FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009:                                 

                                                        [Enlarge/Download Table]
                                                                                                            
                                                                                                            
                                                           LMPVIT WESTERN ASSET      LMPVIT WESTERN ASSET   
                                        LMPVET VARIABLE     VARIABLE ADJUSTABLE           VARIABLE GLOBAL   
                               LIFESTYLE ALLOCATION 85%             RATE INCOME           HIGH YIELD BOND   
                                            SUB-ACCOUNT             SUB-ACCOUNT               SUB-ACCOUNT   
                               --------------------------- ----------------------- -------------------------
                                    2010           2009       2010         2009         2010         2009   
                               ------------ -------------- ---------- ------------ ------------ ------------
Units beginning of year        3,756,486      2,668,230    231,438      225,349    2,845,850    2,664,258   
Units issued and transferred                                                                                
  from other funding options     981,734      1,411,759     24,013       43,862    1,008,282      848,751   
Units redeemed and transferred                                                                              
  to other funding options      (449,128)      (323,503)   (37,082)     (37,773)    (683,233)    (667,159)  
                               ------------ -------------- ---------- ------------ ------------ ------------
Units end of year              4,289,092      3,756,486    218,369      231,438    3,170,899    2,845,850   
                               ============ ============== ========== ============ ============ ============

(a) For the period May 4, 2009 to December 31, 2009.                            

(b) For the period May 3, 2010 to December 31, 2010.                            

(c) For the period October 15, 2009 to December 31, 2009.                       

(d) For the period March 15, 2010 to December 31, 2010.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS                                                         

The Company sells a number of variable annuity products which have unique       
combinations of features and fees 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 (%)   
                                 ---------- ----------------- ----------- ------------- ---------------- -------------------
MIST Lord Abbett Growth and 2010 14,212,118     26.09 - 86.60 558,423,606          1.11      0.89 - 2.35    14.30 - 16.29   
  Income Sub-Account        2009 14,942,501     22.55 - 74.47 502,483,411          2.30      0.89 - 2.35    15.64 - 17.62   
                            2008 15,718,013     19.27 - 63.32 447,266,597          1.65      0.89 - 2.35 (37.82) - (36.76)  
                            2007 18,116,672    30.63 - 100.12 822,332,309          0.94      0.89 - 2.35      1.30 - 7.97   
                            2006 20,191,907     29.87 - 97.12 898,436,542          1.63      0.89 - 2.35    15.06 - 16.98   
MIST Lord Abbett Bond       2010 11,708,304      8.12 - 25.87 267,920,695          6.21      0.89 - 2.35    10.34 - 12.18   
  Debenture Sub-Account     2009 11,953,991      7.27 - 23.06 245,913,998          7.17      0.89 - 2.35    33.60 - 35.91   
                            2008 11,669,031      5.38 - 16.97 178,177,257          4.35      0.89 - 2.35 (20.50) - (19.12)  
                            2007 15,162,946      6.68 - 20.98 288,948,614          5.32      0.89 - 2.35      4.06 - 5.90   
                            2006 16,856,041      6.34 - 19.81 306,513,652          6.67      0.89 - 2.35      6.62 - 8.39   
MIST Morgan Stanley Mid Cap 2010  6,606,286      2.04 - 17.98  89,015,672          0.01      0.89 - 2.30    17.15 - 30.84   
  Growth Sub-Account        2009  5,166,934      9.84 - 11.09  54,290,087            --      0.95 - 2.30    53.69 - 55.79   
                            2008  4,031,107       6.40 - 7.12  27,227,267          1.21      0.95 - 2.30 (47.97) - (47.26)  
                            2007  1,845,571     12.30 - 13.50  23,676,085            --      0.95 - 2.30    20.66 - 22.31   
                            2006    612,842     10.20 - 10.75   6,430,532            --      1.40 - 2.30      5.91 - 6.87   
MIST Lord Abbett Mid Cap    2010  4,351,943     22.57 - 25.97 108,323,379          0.55      1.30 - 2.35    22.62 - 23.91   
  Value Sub-Account         2009  3,034,782     18.41 - 20.96  60,902,685          1.74      1.30 - 2.35    23.59 - 24.90   
                            2008  1,489,703     14.89 - 16.78  23,899,560          0.41      1.30 - 2.35 (40.20) - (39.57)  
                            2007    609,565     25.04 - 27.45  16,075,069          0.60      1.55 - 2.30   (1.70) - (0.96)  
                            2006    363,014     25.47 - 27.96   9,728,623          0.36      1.40 - 2.30     9.63 - 10.62   
MIST Lazard Mid Cap         2010  8,873,534     14.35 - 15.88 135,205,406          0.86      1.20 - 2.35    20.00 - 21.40   
  Sub-Account               2009  8,013,598     11.95 - 13.08 100,906,992          1.16      1.20 - 2.35    33.58 - 35.13   
                            2008  7,502,381       8.94 - 9.61  70,201,744          0.96      1.30 - 2.35 (39.74) - (39.10)  
                            2007  7,858,992     14.83 - 15.78 121,255,292          0.34      1.30 - 2.35   (4.98) - (3.97)  
                            2006  7,830,725     15.64 - 16.43 126,365,450          0.31      1.30 - 2.35    12.02 - 13.20   
MIST Invesco Small Cap      2010 11,943,258     14.70 - 16.99 186,610,558            --      0.89 - 2.35    23.26 - 25.35   
  Growth Sub-Account        2009 11,180,366     11.92 - 13.55 140,473,926            --      0.89 - 2.35    30.70 - 33.03   
                            2008 10,535,898      9.11 - 10.19 100,447,225            --      0.89 - 2.35 (40.16) - (39.15)  
                            2007 11,452,863     15.20 - 16.74 181,044,517            --      0.89 - 2.35     8.48 - 10.41   
                            2006 12,354,489     14.00 - 15.16 178,634,572            --      0.89 - 2.35    11.54 - 12.90   
MIST Harris Oakmark         2010 23,589,953     17.23 - 20.14 459,739,197          1.82      1.30 - 2.35    13.71 - 14.92   
  International Sub-Account 2009 18,176,767     15.11 - 17.52 309,481,262          7.66      1.30 - 2.35    43.46 - 53.06   
                            2008 16,938,263     10.69 - 11.45 189,181,455          1.67      1.30 - 2.35 (42.26) - (41.65)  
                            2007 20,013,713     18.49 - 19.62 384,273,575          0.80      1.30 - 2.35   (3.43) - (2.40)  
                            2006 20,892,628     19.13 - 20.10 412,470,437          2.44      1.30 - 2.35    25.86 - 27.19   
MIST Third Avenue Small Cap 2010 18,793,984     16.49 - 18.91 327,520,477          1.17      0.89 - 2.35    17.11 - 19.08   
  Value Sub-Account         2009 17,777,766     14.06 - 15.88 262,479,306          1.15      0.89 - 2.35    23.51 - 25.70   
                            2008 16,437,324     11.38 - 12.63 194,917,296          0.76      0.89 - 2.35 (31.46) - (30.31)  
                            2007 18,432,805     16.58 - 18.13 316,501,402          1.00      0.89 - 2.35   (5.29) - (3.66)  
                            2006 20,363,980     17.49 - 18.82 360,767,904          0.45      0.89 - 2.35    10.51 - 12.38   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                                               
                                                                                                                               
                                                           AS OF DECEMBER 31                  FOR THE YEAR ENDED DECEMBER 31   
                                     --------------------------------------- --------------------------------------------------
                                                    UNIT VALUE               INVESTMENT(1) EXPENSE RATIO(2)  TOTAL RETURN(3)   
                                                     LOWEST TO           NET        INCOME        LOWEST TO        LOWEST TO   
                                           UNITS   HIGHEST ($)    ASSETS ($)     RATIO (%)      HIGHEST (%)      HIGHEST (%)   
                                     ----------- ------------- ------------- ------------- ---------------- -------------------
MIST Oppenheimer Capital        2010  23,613,830  7.76 - 10.67   196,389,755          0.46      0.95 - 2.35      6.86 - 8.42   
  Appreciation Sub-Account      2009  26,093,951   7.26 - 9.84   201,465,075            --      0.95 - 2.35    40.37 - 42.38   
                                2008  29,172,000   5.16 - 6.91   159,163,585          3.52      0.95 - 2.35 (47.20) - (46.42)  
                                2007  34,634,000  9.77 - 12.90   354,882,609          0.01      0.95 - 2.35    11.62 - 13.20   
                                2006  39,279,261  8.75 - 11.41   357,893,449          0.10      1.15 - 2.35      5.12 - 6.58   
MIST Legg Mason ClearBridge     2010  13,863,499   6.97 - 7.63   102,505,758            --      1.30 - 2.35    20.92 - 22.20   
  Aggressive Growth             2009  12,110,468   5.76 - 6.24    73,409,292            --      1.30 - 2.35    29.87 - 31.23   
  Sub-Account                   2008  12,239,079   4.43 - 4.76    56,694,512            --      1.30 - 2.35 (40.47) - (39.84)  
                                2007  13,488,538   7.44 - 7.91   104,186,821            --      1.30 - 2.35    (0.12) - 0.94   
                                2006  15,227,592   7.44 - 7.84   116,887,678            --      1.30 - 2.35   (4.01) - (3.00)  
MIST PIMCO Total Return         2010 111,149,390 11.27 - 17.67 1,761,602,464          3.20      0.89 - 2.35      5.65 - 7.45   
  Sub-Account                   2009  71,654,403 10.54 - 16.44 1,055,450,302          6.39      0.89 - 2.35    15.29 - 17.35   
                                2008  43,564,435  9.03 - 14.01   542,563,802          3.71      0.89 - 2.35   (1.93) - (0.26)  
                                2007  37,539,072  9.10 - 14.05   469,985,360          3.32      0.89 - 2.35      5.05 - 6.89   
                                2006  37,317,040  8.56 - 13.14   440,826,722          2.58      0.89 - 2.35      2.10 - 3.88   
MIST RCM Technology             2010  16,174,288   6.39 - 7.45   109,729,016            --      0.89 - 2.35    24.73 - 27.12   
  Sub-Account                   2009  13,832,826   5.12 - 5.86    74,614,703            --      0.89 - 2.35    55.30 - 57.75   
                                2008  10,849,282   3.29 - 3.72    37,389,860         13.67      0.89 - 2.35 (45.75) - (44.75)  
                                2007  12,386,524   6.06 - 6.72    78,045,995            --      0.89 - 2.35    28.45 - 30.50   
                                2006  10,314,725   4.71 - 5.15    50,206,487            --      0.89 - 2.35      2.91 - 4.55   
MIST PIMCO Inflation Protected  2010  52,467,468 12.81 - 13.99   711,162,874          2.23      1.20 - 2.35      5.26 - 6.48   
  Bond Sub-Account              2009  37,506,865 12.17 - 13.14   478,661,744          3.18      1.20 - 2.35    15.31 - 16.64   
                                2008  23,243,826 10.55 - 11.26   254,891,679          3.71      1.20 - 2.35   (9.22) - (8.17)  
                                2007  21,340,808 11.60 - 12.19   255,623,164          2.14      1.30 - 2.35      8.21 - 9.36   
                                2006  22,804,934 10.72 - 11.14   250,682,193          3.75      1.30 - 2.35   (1.94) - (0.91)  
MIST T. Rowe Price Mid Cap      2010  40,356,445  9.67 - 10.58   414,850,131            --      1.30 - 2.35    24.72 - 26.05   
  Growth Sub-Account            2009  31,597,201   7.75 - 8.40   258,174,943            --      1.30 - 2.35    42.11 - 43.59   
                                2008  24,389,138   5.45 - 5.85   139,067,651            --      1.30 - 2.35 (41.15) - (40.53)  
                                2007  25,165,985   9.25 - 9.83   242,043,730            --      1.30 - 2.35    14.89 - 16.11   
                                2006  26,478,451   8.04 - 8.47   220,015,833            --      1.30 - 2.35      3.70 - 4.80   
MIST MFS Research International 2010  22,399,698 13.27 - 15.17   318,521,626          1.70      0.95 - 2.35     8.83 - 10.35   
  Sub-Account                   2009  21,694,779 12.19 - 13.75   281,155,296          3.12      0.95 - 2.35    28.50 - 30.32   
                                2008  20,463,384  9.48 - 10.55   204,675,511          1.89      0.95 - 2.35 (43.71) - (42.91)  
                                2007  19,606,367 16.84 - 18.48   345,568,972          1.22      0.95 - 2.35    10.65 - 12.21   
                                2006  18,205,030 15.21 - 17.35   287,904,765          1.63      0.89 - 2.35    23.63 - 25.79   
MIST Clarion Global Real Estate 2010   9,934,760 13.39 - 14.36   139,330,754          7.76      1.30 - 2.35    13.41 - 14.61   
  Sub-Account                   2009   7,999,282 11.80 - 12.53    98,120,895          3.11      1.30 - 2.35    31.61 - 33.00   
                                2008   6,912,531   8.97 - 9.42    63,965,106          1.66      1.30 - 2.35 (43.03) - (42.43)  
                                2007   6,238,930 15.74 - 16.36   100,668,094          0.98      1.30 - 2.35 (16.99) - (16.11)  
                                2006   7,072,940 18.97 - 19.50   136,595,815          0.95      1.30 - 2.35    34.40 - 35.81   
MIST Turner Mid Cap Growth      2010   5,858,465 13.61 - 14.60    83,688,741            --      1.30 - 2.35    24.21 - 25.51   
  Sub-Account                   2009   4,875,425 10.96 - 11.63    55,630,594            --      1.30 - 2.35    43.76 - 45.27   
                                2008   4,470,347   7.62 - 8.01    35,217,413            --      1.30 - 2.35 (49.50) - (48.97)  
                                2007   4,472,333 15.09 - 15.69    69,239,590            --      1.30 - 2.35    21.25 - 22.54   
                                2006   3,921,915 12.45 - 12.80    49,712,120            --      1.30 - 2.35      3.61 - 4.71   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                                               
                                                                                                                               
                                                           AS OF DECEMBER 31                  FOR THE YEAR ENDED DECEMBER 31   
                                     --------------------------------------- --------------------------------------------------
                                                    UNIT VALUE               INVESTMENT(1) EXPENSE RATIO(2)  TOTAL RETURN(3)   
                                                     LOWEST TO           NET        INCOME        LOWEST TO        LOWEST TO   
                                           UNITS   HIGHEST ($)    ASSETS ($)     RATIO (%)      HIGHEST (%)      HIGHEST (%)   
                                     ----------- ------------- ------------- ------------- ---------------- -------------------
MIST Goldman Sachs Mid Cap      2010   7,332,195 14.57 - 15.63   112,015,664          0.92      1.30 - 2.35    21.35 - 22.63   
  Value Sub-Account             2009   6,218,018 12.01 - 12.74    77,628,353          1.25      1.30 - 2.35    29.24 - 30.59   
                                2008   7,184,822   9.29 - 9.76    68,935,462          0.79      1.30 - 2.35 (37.57) - (36.90)  
                                2007   9,178,387 14.88 - 15.47   140,073,719          0.49      1.30 - 2.35      0.69 - 1.76   
                                2006   9,011,063 14.78 - 15.20   135,606,841            --      1.30 - 2.35    13.01 - 14.20   
MIST MetLife Defensive Strategy 2010 167,912,074 11.40 - 12.39 2,003,850,499          3.05      1.00 - 2.35      8.32 - 9.80   
  Sub-Account                   2009 134,240,318 10.52 - 11.28 1,466,386,791          2.86      1.00 - 2.35    14.50 - 21.50   
                                2008  98,361,064   8.77 - 9.21   887,719,339          1.41      1.15 - 2.35 (22.50) - (21.56)  
                                2007  51,959,475 11.31 - 11.75   600,410,325          1.89      1.15 - 2.35      3.45 - 4.70   
                                2006  35,961,422 10.93 - 11.18   399,117,450          0.01      1.30 - 2.35      6.11 - 7.23   
MIST MetLife Moderate Strategy  2010 257,780,425 11.46 - 12.34 3,094,289,659          2.46      1.15 - 2.35     9.79 - 11.12   
  Sub-Account                   2009 201,975,022 10.44 - 11.11 2,188,428,006          3.18      1.15 - 2.35    23.16 - 24.65   
                                2008 157,147,909   8.48 - 8.91 1,371,420,955          1.75      1.15 - 2.35 (28.14) - (27.26)  
                                2007 132,930,004 11.79 - 12.25 1,602,068,224          1.93      1.15 - 2.35      3.73 - 4.99   
                                2006 106,444,385 11.37 - 11.63 1,227,960,101          0.01      1.30 - 2.35      7.68 - 8.81   
MIST MetLife Balanced Strategy  2010 546,381,907 11.25 - 12.12 6,437,293,439          2.05      1.15 - 2.35    10.96 - 12.28   
  Sub-Account                   2009 458,932,798 10.14 - 10.79 4,832,135,577            --      1.15 - 2.35    25.35 - 26.87   
                                2008 406,068,266   8.09 - 8.50 3,383,789,930          4.75      1.15 - 2.35 (33.52) - (32.72)  
                                2007 407,763,369 12.17 - 12.64 5,073,218,651          1.64      1.15 - 2.35      2.43 - 3.68   
                                2006 324,915,762 11.88 - 12.15 3,917,704,428          0.01      1.30 - 2.35     9.38 - 10.54   
MIST MetLife Growth Strategy    2010 473,161,406 11.14 - 12.00 5,512,372,206          1.71      1.15 - 2.35    12.81 - 14.17   
  Sub-Account                   2009 490,302,032  9.88 - 10.51 5,026,063,304            --      1.15 - 2.35    27.08 - 28.61   
                                2008 494,438,103   7.77 - 8.17 3,958,612,323          3.49      1.15 - 2.35 (39.32) - (38.58)  
                                2007 481,475,567 12.81 - 13.30 6,304,660,461          1.10      1.15 - 2.35      2.26 - 3.50   
                                2006 325,383,030 12.53 - 12.81 4,136,759,495          0.01      1.30 - 2.35    10.96 - 12.13   
MIST MetLife Aggressive         2010  45,689,702 10.94 - 11.78   522,967,837          1.18      1.15 - 2.35    13.80 - 15.17   
  Strategy Sub-Account          2009  41,343,573  9.62 - 10.23   412,402,731            --      1.15 - 2.35    29.56 - 31.13   
                                2008  39,565,727   7.42 - 7.80   302,274,534          3.60      1.15 - 2.35 (42.19) - (41.49)  
                                2007  46,258,233 12.84 - 13.34   607,023,915          1.29      1.15 - 2.35      0.48 - 1.70   
                                2006  49,085,211 12.78 - 13.07   636,476,170          0.01      1.30 - 2.35    11.02 - 12.18   
MIST Van Kampen Comstock        2010  21,172,822  9.76 - 14.59   230,561,318          1.45      0.95 - 2.35    12.19 - 13.80   
  Sub-Account                   2009  16,791,760  8.70 - 12.82   161,042,507          1.11      0.95 - 2.35    23.63 - 30.57   
                                2008   5,638,201   7.03 - 7.31    40,651,730          1.74      1.30 - 2.35 (37.41) - (36.74)  
                                2007   5,330,717 11.24 - 11.56    60,993,695          1.34      1.30 - 2.35   (4.77) - (3.76)  
                                2006   4,218,383 11.80 - 12.01    50,349,650            --      1.30 - 2.35    13.36 - 14.56   
MIST Legg Mason Value Equity    2010  14,862,891   6.36 - 6.83    98,632,539          1.93      0.95 - 2.35      4.85 - 6.32   
  Sub-Account                   2009  12,311,635   6.06 - 6.43    77,277,821          1.49      0.95 - 2.35    34.76 - 36.65   
                                2008   9,617,947   4.51 - 4.70    44,429,063          0.02      0.95 - 2.35 (55.68) - (55.05)  
                                2007   5,608,172 10.15 - 10.46    57,822,803            --      0.95 - 2.35   (8.10) - (6.80)  
                                2006   3,602,950 11.05 - 11.18    40,088,253            --      1.30 - 2.35      4.11 - 5.21   
MIST MFS Emerging Markets       2010  29,287,659 12.03 - 14.53   365,169,255          0.97      0.95 - 2.35    20.79 - 22.49   
  Equity Sub-Account            2009  18,534,256  9.96 - 12.02   189,762,080          1.45      0.95 - 2.35    65.01 - 67.34   
  (Commenced 5/1/2006)          2008   9,820,617   6.03 - 7.28    60,422,758          1.29      0.95 - 2.35 (56.57) - (52.63)  
                                2007   4,415,597 13.89 - 14.22    62,075,247          0.04      0.95 - 2.35    33.43 - 35.32   
                                2006     901,069 10.41 - 10.49     9,424,659          1.65      1.30 - 2.35      4.12 - 4.86   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                                               
                                                                                                                               
                                                           AS OF DECEMBER 31                  FOR THE YEAR ENDED DECEMBER 31   
                                   ----------------------------------------- --------------------------------------------------
                                                    UNIT VALUE               INVESTMENT(1) EXPENSE RATIO(2)  TOTAL RETURN(3)   
                                                     LOWEST TO           NET        INCOME        LOWEST TO        LOWEST TO   
                                         UNITS     HIGHEST ($)    ASSETS ($)     RATIO (%)      HIGHEST (%)      HIGHEST (%)   
                                   ----------- --------------- ------------- ------------- ---------------- -------------------
MIST Loomis Sayles Global     2010  10,620,691   12.48 - 13.10   137,171,845          2.99      1.30 - 2.35    19.18 - 20.43   
  Markets Sub-Account         2009   7,198,911   10.47 - 10.88    77,383,467          1.95      1.30 - 2.35    37.54 - 39.00   
  (Commenced 5/1/2006)        2008   5,848,580     7.61 - 7.83    45,350,255          4.63      1.30 - 2.35 (40.68) - (40.05)  
                              2007   4,274,323   12.83 - 13.06    55,474,222            --      1.30 - 2.35    24.87 - 26.19   
                              2006     754,781   10.27 - 10.35     7,786,909          1.55      1.30 - 2.35      2.74 - 3.46   
MIST Janus Forty Sub-Account  2010     397,905 106.29 - 160.04    53,356,686          1.30      1.30 - 2.35      3.20 - 8.00   
  (Commenced 5/1/2006)        2009     192,470  99.16 - 121.06    21,865,637            --      1.55 - 2.30    39.96 - 41.01   
                              2008     143,074   70.85 - 85.85    11,490,581          4.86      1.55 - 2.30 (43.18) - (42.75)  
                              2007      62,044 124.70 - 149.97     8,715,091          0.08      1.55 - 2.30    27.48 - 28.45   
                              2006      12,842  97.82 - 120.96     1,410,409            --      1.40 - 2.30      0.74 - 1.65   
MIST Dreman Small Cap Value   2010   1,677,961   14.14 - 14.87    24,426,974          0.82      1.20 - 2.30    16.82 - 17.83   
  Sub-Account                 2009   1,579,618   12.10 - 12.62    19,575,088          0.88      1.20 - 2.30    26.15 - 27.24   
  (Commenced 5/1/2006)        2008   1,254,915     9.59 - 9.92    12,261,677          0.72      1.20 - 2.30 (26.93) - (21.55)  
                              2007     865,483   13.13 - 13.40    11,511,054            --      1.55 - 2.30   (3.24) - (2.50)  
                              2006     386,322   13.57 - 13.78     5,287,629          0.53      1.40 - 2.30    21.42 - 22.51   
MIST Pioneer Fund Sub-Account 2010   5,977,317   16.24 - 20.40   112,914,666          0.78      0.95 - 2.30    13.47 - 15.12   
  (Commenced 5/1/2006)        2009   3,239,380   14.30 - 17.72    53,308,711          1.52      0.95 - 2.30    21.07 - 27.31   
                              2008   1,227,336   11.81 - 14.44    16,447,869          0.83      0.95 - 2.30 (34.37) - (33.47)  
                              2007     441,310   17.99 - 21.26     8,679,759          0.78      1.10 - 2.30      2.60 - 3.85   
                              2006     202,477   17.53 - 19.69     3,839,197            --      1.40 - 2.30    13.30 - 14.32   
MIST Pioneer Strategic Income 2010  17,115,149   12.17 - 27.26   419,601,867          4.58      0.95 - 2.20     5.21 - 11.12   
  Sub-Account                 2009  10,957,582   11.11 - 24.54   251,000,578          4.72      0.95 - 2.15    23.08 - 31.83   
  (Commenced 5/1/2006)        2008   7,373,489   16.54 - 18.61   129,051,542          6.27      0.95 - 1.90 (12.43) - (11.59)  
                              2007   4,979,963   18.89 - 21.05    98,174,413          0.56      0.95 - 1.90      4.63 - 5.63   
                              2006   2,004,763   17.28 - 19.22    37,439,194          8.40      1.40 - 2.25      3.95 - 4.83   
MIST BlackRock Large Cap Core 2010   1,044,239     8.60 - 9.47     9,613,588          1.06      1.55 - 2.30    10.01 - 10.85   
  Sub-Account                 2009     613,169     7.82 - 8.54     5,078,728          1.34      1.55 - 2.30    16.49 - 17.35   
  (Commenced 5/1/2006)        2008     508,491     6.71 - 7.28     3,599,088          0.57      1.55 - 2.30 (38.73) - (38.27)  
                              2007     390,444   10.96 - 11.80     4,467,216          0.64      1.55 - 2.30      0.28 - 4.87   
                              2006     176,805   10.53 - 11.40     1,947,743            --      1.40 - 2.30    11.66 - 12.66   
MIST BlackRock High Yield     2010   9,034,810   11.92 - 21.07   182,367,303          5.88      1.20 - 2.35     5.99 - 14.28   
  Sub-Account                 2009   5,656,394   16.02 - 18.43   100,278,538          3.54      1.30 - 2.35    43.24 - 44.75   
  (Commenced 5/1/2006)        2008   1,114,960   11.47 - 12.73    13,709,683          5.00      1.30 - 2.30 (25.93) - (25.14)  
                              2007     450,432   15.68 - 16.78     7,452,180          8.47      1.70 - 2.30      0.35 - 0.96   
                              2006     198,218   15.62 - 16.62     3,246,398            --      1.70 - 2.30      7.32 - 7.97   
MIST Rainer Large Cap Equity  2010   5,826,308     7.72 - 7.95    45,894,091          0.42      1.30 - 2.20    12.87 - 13.90   
  Sub-Account                 2009   4,962,869     6.82 - 6.98    34,404,016          0.82      1.30 - 2.35    20.41 - 21.65   
  (Commenced 11/12/2007)      2008   4,139,663     5.67 - 5.74    23,654,112            --      1.30 - 2.35 (43.16) - (42.56)  
                              2007     640,297     9.97 - 9.99     6,390,092          0.09      1.30 - 2.20      1.90 - 2.03   
MIST American Funds Balanced  2010 251,644,506    9.64 - 10.00 2,478,289,324          1.01      1.00 - 2.35     9.55 - 11.05   
  Allocation Sub-Account      2009 147,529,141     8.80 - 9.00 1,315,175,709            --      1.00 - 2.35    20.40 - 27.85   
  (Commenced 4/28/2008)       2008  47,541,825     6.97 - 7.02   332,865,017          6.67      1.15 - 2.35 (30.39) - (29.82)  
MIST American Funds Bond      2010  26,655,400   10.10 - 10.38   274,791,792          1.64      1.30 - 2.35      3.63 - 4.73   
  Sub-Account                 2009  14,305,838     9.74 - 9.92   141,146,685            --      1.30 - 2.35     9.52 - 10.67   
  (Commenced 4/28/2008)       2008   3,151,521     8.89 - 8.96    28,171,025          9.47      1.30 - 2.35 (11.39) - (10.76)  

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                                                 
                                                                                                                                 
                                                             AS OF DECEMBER 31                  FOR THE YEAR ENDED DECEMBER 31   
                                       --------------------------------------- --------------------------------------------------
                                                      UNIT VALUE               INVESTMENT(1) EXPENSE RATIO(2)  TOTAL RETURN(3)   
                                                       LOWEST TO           NET        INCOME        LOWEST TO        LOWEST TO   
                                             UNITS   HIGHEST ($)    ASSETS ($)     RATIO (%)      HIGHEST (%)      HIGHEST (%)   
                                       ----------- ------------- ------------- ------------- ---------------- -------------------
MIST American Funds Growth        2010  52,406,611   8.97 - 9.23   480,253,525          0.20      1.30 - 2.35    15.57 - 16.79   
  Sub-Account                     2009  30,278,080   7.76 - 7.90   238,097,827            --      1.30 - 2.35    35.67 - 37.09   
  (Commenced 4/28/2008)           2008   9,556,758   5.72 - 5.76    54,966,248          7.34      1.30 - 2.35 (42.71) - (42.30)  
MIST American Funds Growth        2010 155,386,301   9.17 - 9.47 1,454,861,016          0.89      1.15 - 2.35    10.86 - 12.18   
  Allocation Sub-Account          2009 139,002,030   8.27 - 8.44 1,164,848,803            --      1.15 - 2.35    30.93 - 32.51   
  (Commenced 4/28/2008)           2008  74,827,606   6.32 - 6.37   475,226,821          6.95      1.15 - 2.35 (36.80) - (36.28)  
MIST American Funds               2010  33,804,542   8.75 - 9.00   301,922,149          0.76      1.30 - 2.35      4.42 - 5.51   
  International Sub-Account       2009  19,914,429   8.38 - 8.53   168,980,812            --      1.30 - 2.35    39.25 - 40.72   
  (Commenced 4/28/2008)           2008   7,576,246   6.02 - 6.06    45,810,468         11.18      1.30 - 2.20 (40.31) - (39.94)  
MIST American Funds Moderate      2010 143,876,667  9.88 - 10.25 1,452,175,003          1.41      1.00 - 2.35      7.36 - 8.82   
  Allocation Sub-Account          2009  89,994,728   9.20 - 9.42   839,089,528            --      1.00 - 2.35    15.69 - 21.98   
  (Commenced 4/28/2008)           2008  29,162,701   7.64 - 7.70   223,820,453          6.96      1.15 - 2.35 (23.78) - (23.16)  
MIST Met/Franklin Mutual Shares   2010  13,681,991   8.67 - 8.92   121,115,835            --      1.30 - 2.35      8.44 - 9.58   
  Sub-Account                     2009   7,713,701   8.01 - 8.14    62,452,238            --      1.30 - 2.30    22.05 - 23.27   
  (Commenced 4/28/2008)           2008   1,978,335   6.56 - 6.60    13,038,845          5.28      1.30 - 2.20 (34.35) - (33.94)  
MIST Met/Franklin Templeton       2010  59,315,796   9.43 - 9.74   571,218,147            --      1.15 - 2.35      7.50 - 8.79   
  Founding Strategy Sub-Account   2009  49,352,169   8.80 - 8.95   438,687,403            --      1.15 - 2.20    25.75 - 27.08   
  (Commenced 4/28/2008)           2008  27,525,771   6.99 - 7.05   193,348,119          3.15      1.15 - 2.20 (30.03) - (29.53)  
MIST SSgA Growth ETF              2010  29,136,066 10.71 - 11.41   325,453,346          1.35      1.15 - 2.35    11.50 - 12.85   
  Sub-Account                     2009  16,443,398 9.670 - 10.11   163,291,494          0.93      1.15 - 2.20    26.29 - 28.66   
  (Commenced 11/10/2008)          2008     190,893   7.69 - 7.88     1,489,531            --      1.30 - 2.05      0.88 - 0.99   
MIST SSgA Growth and Income       2010  85,827,962 11.20 - 11.84   995,772,752          1.05      1.15 - 2.20     9.80 - 10.96   
  ETF Sub-Account                 2009  29,942,630 10.20 - 10.67   314,125,011          0.78      1.15 - 2.20    22.17 - 23.97   
  (Commenced 11/10/2008)          2008     312,145   8.39 - 8.60     2,651,130            --      1.30 - 2.05      1.88 - 1.99   
MIST Met/Templeton International 2010    2,982,596 12.04 - 12.22    36,302,425          0.51      1.30 - 2.20    11.07 - 12.08   
  Bond Sub-Account                2009     775,327 10.84 - 10.90     8,438,524            --      1.30 - 2.20      8.40 - 9.00   
  (Commenced 5/4/2009)                                                                                                           
MIST Met/Templeton Growth         2010     614,557  8.96 - 14.25     7,380,405            --      1.10 - 2.05      4.65 - 5.96   
  Sub-Account                                                                                                                    
  (Commenced 5/3/2010)                                                                                                           
MIST Met/Eaton Vance Floating     2010   1,600,145 10.16 - 10.23    16,334,315            --      1.30 - 2.30      1.64 - 2.31   
  Rate Sub-Account                                                                                                               
  (Commenced 5/3/2010)                                                                                                           
Invesco V.I. Core Equity          2010      88,640          4.44       393,933          0.95             1.40             8.02   
  Sub-Account                     2009      99,143          4.11       407,845          1.76             1.40            26.51   
  (Commenced 5/1/2006)            2008     120,534          3.25       391,928          1.79             1.40           (31.12)  
                                  2007     181,999          4.72       859,118          0.99             1.40             6.61   
                                  2006     265,665          4.43     1,176,358          0.53             1.40            13.65   
Invesco V.I. Capital Appreciation 2010      33,129          4.31       142,665          0.73             1.40            13.89   
  Sub-Account                     2009      41,631          3.78       157,420          0.62             1.40            19.39   
                                  2008      50,723          3.17       160,644            --             1.40           (43.30)  
                                  2007      77,611          5.59       433,487            --             1.40            10.45   
                                  2006     125,055          5.06       632,398          0.05             1.40             4.83   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                                                  
                                                                                                                                  
                                                             AS OF DECEMBER 31                  FOR THE YEAR ENDED DECEMBER 31    
                                       --------------------------------------- -------------------------------------------------- 
                                                         UNIT VALUE             INVESTMENT(1) EXPENSE RATIO(2)  TOTAL RETURN(3)   
                                                          LOWEST TO         NET        INCOME        LOWEST TO        LOWEST TO   
                                            UNITS       HIGHEST ($)  ASSETS ($)     RATIO (%)      HIGHEST (%)      HIGHEST (%)   
                                       ---------- ----------------- ----------- ------------- ---------------- -------------------
Invesco V.I. International Growth 2010  4,327,573      7.46 - 27.87 111,888,065          2.01      0.95 - 1.75    10.66 - 11.55   
  Sub-Account                     2009  2,818,925      6.70 - 24.98  65,315,391          1.74      0.95 - 1.75    32.57 - 33.63   
                                  2008  1,618,515      5.02 - 18.70  27,961,110          0.80      0.95 - 1.75 (41.56) - (41.09)  
                                  2007    445,944      8.54 - 31.74  11,954,057          1.05      0.95 - 1.75     0.37 - 13.15   
                                  2006    119,102              7.56     899,842          0.95             1.40            26.46   
Invesco V.I. Basic Balanced       2010     55,967              4.59     256,608          1.93             1.40             6.55   
  Sub-Account                     2009     60,967              4.30     262,318          4.77             1.40            31.99   
                                  2008     88,650              3.26     288,999          3.82             1.40           (39.18)  
                                  2007    125,704              5.36     673,813          2.71             1.40             0.77   
                                  2006    183,755              5.32     977,412          1.83             1.40             9.02   
Invesco V.I. Global Real Estate   2010  1,148,943       7.73 - 7.98   9,028,134          5.55      0.95 - 1.75    15.19 - 16.13   
  Sub-Account                     2009    704,385       6.71 - 6.88   4,786,308            --      0.95 - 1.75    28.83 - 29.86   
  (Commenced 6/1/2007)            2008    449,308       5.21 - 5.29   2,360,062          9.45      0.95 - 1.75 (45.68) - (45.25)  
                                  2007    156,912       9.58 - 9.67   1,510,684          9.59      0.95 - 1.75  (13.59) - (6.80)  
Invesco V.I. Capital Growth       2010     25,363              5.16     130,764            --             1.40            18.18   
  Sub-Account                     2009     26,829              4.36     117,046          0.11             1.40            63.78   
                                  2008     33,379              2.66      88,923          0.55             1.40           (49.70)  
                                  2007  1,659,770       5.28 - 5.59   9,156,031            --      1.50 - 2.30    13.98 - 15.33   
                                  2006  1,033,865       4.59 - 4.87   4,964,651            --      1.40 - 2.30      0.30 - 1.43   
Invesco V.I. Growth and Income    2010  9,061,763      6.63 - 25.06 160,437,278          0.09      0.95 - 1.90    10.09 - 11.13   
  Sub-Account                     2009  6,896,039      5.97 - 22.55 107,604,807          3.60      0.95 - 1.90    21.78 - 22.94   
                                  2008  4,699,178      4.87 - 18.34  57,517,543          1.50      0.95 - 1.90 (33.49) - (32.85)  
                                  2007  3,069,791      7.27 - 27.31  49,067,204          1.01      0.95 - 1.90      0.58 - 1.55   
                                  2006  1,465,291      7.17 - 14.19  20,351,040          2.60      1.40 - 1.90    13.80 - 14.62   
Invesco V.I. Equity and Income    2010 22,199,448     14.98 - 16.11 345,124,808          1.92      0.95 - 1.90     9.92 - 10.97   
  Sub-Account                     2009 17,747,381     13.63 - 14.52 249,400,082          2.82      0.95 - 1.90    20.19 - 21.33   
                                  2008 13,625,412     11.34 - 11.97 158,238,412          2.44      0.95 - 1.90 (24.14) - (23.41)  
                                  2007 10,934,412     14.95 - 15.63 166,104,798          2.06      0.95 - 1.90      1.41 - 2.38   
                                  2006  4,592,861     14.74 - 14.96  68,376,576          0.79      1.50 - 1.90    10.46 - 10.91   
Invesco V.I. U.S. Mid Cap Value   2010  2,673,648     10.35 - 10.70  28,139,044          0.80      0.95 - 1.75    20.06 - 21.03   
  Sub-Account                     2009  1,763,519       8.62 - 8.84  15,401,650          1.18      0.95 - 1.75    36.75 - 37.84   
  (Commenced 6/1/2007)            2008  1,130,852       6.31 - 6.41   7,194,408          0.78      0.95 - 1.75 (42.44) - (41.98)  
                                  2007    257,428     10.95 - 11.05   2,833,669          0.17      0.95 - 1.75   (6.13) - (6.63)  
MFS VIT Research Sub-Account      2010     21,202              5.30     112,388          0.92             1.40            14.29   
                                  2009     23,944              4.64     111,057          1.44             1.40            28.73   
                                  2008     26,232              3.60      94,515          0.58             1.40           (36.98)  
                                  2007     34,862              5.72     199,317          0.70             1.40            11.62   
                                  2006     54,023              5.12     276,705          0.51             1.40             8.95   
MFS VIT Investors Trust           2010      8,683              5.00      43,404          1.30             1.40             9.56   
  Sub-Account                     2009     11,563              4.56      52,758          1.77             1.40            25.15   
                                  2008     13,271              3.65      48,391          0.96             1.40           (34.01)  
                                  2007     23,909              5.53     132,122          0.85             1.40             8.76   
                                  2006     33,624              5.08     170,831          0.49             1.40            11.43   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                                                
                                                                                                                                
                                                           AS OF DECEMBER 31                  FOR THE YEAR ENDED DECEMBER 31    
                                     --------------------------------------- ---------------------------------------------------
                                                       UNIT VALUE             INVESTMENT(1) EXPENSE RATIO(2)  TOTAL RETURN(3)   
                                                        LOWEST TO         NET        INCOME        LOWEST TO        LOWEST TO   
                                          UNITS       HIGHEST ($)  ASSETS ($)     RATIO (%)      HIGHEST (%)      HIGHEST (%)   
                                     ---------- ----------------- ----------- ------------- ---------------- -------------------
MFS VIT New Discovery           2010      4,951              9.47      46,865            --             1.40            34.44   
  Sub-Account                   2009      6,461              7.04      45,491            --             1.40            60.90   
                                2008     10,205              4.38      44,654            --             1.40           (40.18)  
                                2007     13,583              7.31      99,354            --             1.40             1.08   
                                2006     28,494              7.24     206,180            --             1.40            11.65   
Oppenheimer VA Main Street      2010     24,227              4.92     119,249          1.11             1.40            14.49   
  Sub-Account                   2009     28,105              4.30     120,826          1.94             1.40            26.52   
                                2008     31,897              3.40     108,399          1.52             1.40           (39.33)  
                                2007     45,428              5.60     254,460          1.11             1.40             2.96   
                                2006     59,121              5.44     321,623          1.13             1.40            13.43   
Oppenheimer VA Core Bond        2010      1,952              5.06       9,885          4.81             1.40             9.87   
  Sub-Account                   2009     12,533              4.61      57,756            --             1.40             8.09   
                                2008     22,518              4.26      96,005          4.53             1.40           (39.90)  
                                2007     37,290              7.09     264,529          5.54             1.40             2.93   
                                2006     47,067              6.89     324,377          5.59             1.40             3.82   
Oppenheimer VA Global Strategic 2010        443              9.25       4,097         16.19             1.40            13.38   
  Income Sub-Account            2009      1,786              8.16      14,575          0.53             1.40            17.17   
                                2008      1,903              6.97      13,254          5.21             1.40           (15.40)  
                                2007      5,661              8.23      46,614          3.59             1.40             8.16   
                                2006      6,741              7.61      51,318          4.20             1.40             6.00   
Oppenheimer VA Main Street      2010  4,127,208     10.35 - 17.72  70,331,777          0.37      0.95 - 1.75    20.92 - 21.90   
  Small Cap Sub-Account         2009  3,126,840      8.51 - 14.54  43,881,910          0.52      0.95 - 1.75    34.52 - 35.58   
                                2008  1,863,546      6.29 - 10.72  19,372,328          0.18      0.95 - 1.75 (39.08) - (38.59)  
                                2007    492,857     10.26 - 17.46   8,314,186          0.03      0.95 - 1.75  (13.41) - (2.47)  
                                2006     17,793             10.53     187,405          0.15             1.40            13.40   
Oppenheimer VA Money            2010     20,177              5.76     116,310          0.03             1.40            (1.37)  
  Sub-Account                   2009     20,177              5.84     117,917          0.35             1.40            (1.07)  
                                2008     25,333              5.91     149,653          2.83             1.40             1.34   
                                2007     28,881              5.83     168,352          4.98             1.40             3.52   
                                2006     33,346              5.63     187,777          4.54             1.40             3.26   
Fidelity VIP Asset Manager      2010  8,263,984     12.22 - 12.71 101,784,889          1.66      0.89 - 1.40    12.67 - 13.26   
  Sub-Account                   2009  9,345,424     10.84 - 11.23 102,112,475          2.38      0.89 - 1.40    27.32 - 27.96   
                                2008 10,322,631       8.51 - 8.77  88,545,973          2.51      0.89 - 1.40 (29.71) - (29.35)  
                                2007 11,728,296     12.10 - 12.42 143,069,941          6.10      0.89 - 1.40    12.69 - 14.48   
                                2006 13,137,764     10.62 - 10.85 140,644,002          2.76      0.89 - 1.40      5.83 - 6.37   
Fidelity VIP Growth Sub-Account 2010 10,951,340     13.38 - 13.81 147,385,504          0.28      0.89 - 1.40    22.44 - 23.08   
                                2009 11,893,241     10.93 - 11.22 130,641,959          0.45      0.89 - 1.40    26.51 - 27.14   
                                2008 12,838,680       8.64 - 8.83 111,413,507          0.78      0.89 - 1.40 (47.91) - (47.64)  
                                2007 14,370,091     16.58 - 16.86 239,237,615          0.83      0.89 - 1.40    24.72 - 25.83   
                                2006 16,167,140     13.24 - 13.40 214,865,663          0.40      0.89 - 1.40      5.37 - 5.91   
Fidelity VIP Contrafund         2010 15,707,574     11.14 - 44.59 379,741,596          1.25      0.89 - 2.25    14.51 - 16.18   
  Sub-Account                   2009 15,955,996      9.59 - 38.44 313,576,644          1.44      0.89 - 2.25    32.65 - 34.50   
                                2008 16,114,037      7.13 - 28.60 222,674,108          1.01      0.89 - 2.25 (43.90) - (43.03)  
                                2007 16,613,759     12.51 - 50.32 377,396,997          0.95      0.89 - 2.25    14.88 - 16.54   
                                2006 17,625,464     10.73 - 40.96 338,418,167          1.29      0.89 - 2.25     9.11 - 10.73   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                                             
                                                                                                                             
                                                         AS OF DECEMBER 31                  FOR THE YEAR ENDED DECEMBER 31   
                                   --------------------------------------- --------------------------------------------------
                                                  UNIT VALUE               INVESTMENT(1) EXPENSE RATIO(2)  TOTAL RETURN(3)   
                                                   LOWEST TO           NET        INCOME        LOWEST TO        LOWEST TO   
                                         UNITS   HIGHEST ($)    ASSETS ($)     RATIO (%)      HIGHEST (%)      HIGHEST (%)   
                                   ----------- ------------- ------------- ------------- ---------------- -------------------
Fidelity VIP Overseas         2010     593,728  9.85 - 11.30     6,266,276          1.39      1.15 - 1.40    11.54 - 11.82   
  Sub-Account                 2009     663,667  8.81 - 10.11     6,282,775          2.17      1.15 - 1.40    24.78 - 25.09   
                              2008     713,199   7.04 - 8.09     5,413,449          2.46      1.15 - 1.40 (44.59) - (44.45)  
                              2007     826,076 12.67 - 14.58    11,327,734          3.29      1.15 - 1.40    15.67 - 15.96   
                              2006     951,985 10.93 - 12.59    11,259,345          0.91      1.15 - 1.40    16.44 - 16.73   
Fidelity VIP Equity-Income    2010     530,175         11.98     6,350,751          1.75             1.40            13.56   
  Sub-Account                 2009     619,856         10.55     6,538,981          2.24             1.40            28.40   
                              2008     744,861          8.22     6,119,783          2.23             1.40           (43.46)  
                              2007     942,455         14.53    13,694,030          1.64             1.40             0.11   
                              2006   1,227,074         14.51    17,809,782          3.26             1.40            18.53   
Fidelity VIP Index 500        2010   4,565,389 14.90 - 15.58    68,501,202          1.87      0.89 - 1.40    13.42 - 14.00   
  Sub-Account                 2009   5,300,313 13.22 - 13.67    70,079,047          2.52      0.89 - 1.35    24.91 - 25.48   
                              2008   6,061,847 10.58 - 10.89    64,164,439          2.01      0.89 - 1.35 (37.85) - (37.56)  
                              2007   7,211,573 17.03 - 17.44   122,812,705          3.57      0.89 - 1.35      4.02 - 4.50   
                              2006   8,294,641 16.29 - 16.69   135,796,690          1.77      0.89 - 1.40    14.12 - 14.71   
Fidelity VIP Money Market     2010   7,492,405  7.33 - 11.34    67,343,833          0.17      0.89 - 2.05   (1.82) - (0.65)  
  Sub-Account                 2009   6,126,543  7.41 - 11.53    50,572,988          0.71      0.89 - 2.05   (0.68) - (0.17)  
                              2008   5,530,761   7.46 - 8.02    41,701,796          2.97      0.89 - 1.40      1.58 - 2.11   
                              2007   5,148,515   7.35 - 7.86    38,182,657          5.08      0.89 - 1.40      3.69 - 4.22   
                              2006   4,981,073   7.08 - 7.54    35,607,299          4.77      0.89 - 1.40      3.43 - 3.96   
Fidelity VIP Mid Cap          2010   4,364,581 40.36 - 45.24   187,246,537          0.14      0.95 - 1.90    26.16 - 27.36   
  Sub-Account                 2009   3,075,278 31.99 - 35.52   103,784,411          0.54      0.95 - 1.90    37.12 - 38.43   
                              2008   1,905,032 23.33 - 25.66    46,484,098          0.26      0.95 - 1.90 (40.75) - (40.18)  
                              2007     997,653 39.38 - 42.90    40,496,316          0.51      0.95 - 1.90    13.16 - 14.24   
                              2006     398,050 34.80 - 35.93    14,145,793            --      1.50 - 1.90    10.29 - 10.73   
Fidelity VIP FundsManager     2010 118,824,451   9.88 - 9.93 1,176,598,687          2.72      1.90 - 2.05    11.32 - 11.49   
  60% Sub-Account             2009   4,074,373   8.87 - 8.90    36,215,324          3.35      1.90 - 2.05      0.07 - 0.09   
  (Commenced 10/15/2009)                                                                                                     
DWS International Sub-Account 2010   2,471,385   8.43 - 8.48    20,962,763          2.18      1.35 - 1.40      0.21 - 0.26   
                              2009   2,700,348   8.41 - 8.46    22,845,161          4.39      1.35 - 1.40    31.67 - 31.73   
                              2008   2,819,612   6.39 - 6.42    18,108,679          1.39      1.35 - 1.40 (48.94) - (48.91)  
                              2007   3,119,351 12.50 - 12.57    39,213,025          2.39      1.35 - 1.40    12.99 - 13.04   
                              2006   3,170,743 11.07 - 11.12    35,260,353          1.83      1.35 - 1.40    24.17 - 24.23   
MSF FI Value Leaders          2010     305,583 15.99 - 17.94     5,267,530          1.44      1.50 - 2.30    11.85 - 12.75   
  Sub-Account                 2009     265,682 14.30 - 15.91     4,072,835          2.66      1.50 - 2.30    18.94 - 19.90   
  (Commenced 5/1/2006)        2008     251,266 12.02 - 13.27     3,223,563          1.80      1.50 - 2.30 (40.40) - (39.92)  
                              2007     211,868 20.17 - 22.08     4,542,761          0.69      1.50 - 2.30      1.71 - 2.53   
                              2006     126,575 19.83 - 21.76     2,662,087            --      1.40 - 2.30      7.04 - 8.00   
MSF Russell 2000 Index        2010   2,703,578  7.11 - 19.92    46,792,763          0.77      0.89 - 2.35    23.61 - 25.79   
  Sub-Account                 2009   1,108,328  5.68 - 15.83    15,337,009          1.65      0.89 - 2.20    24.25 - 26.62   
                              2008     478,053  4.57 - 12.68     5,298,056          1.35      0.89 - 1.40 (34.43) - (34.05)  
                              2007     481,904  6.97 - 19.23     8,015,832          0.93      0.89 - 1.40   (2.89) - (2.39)  
                              2006     490,302  7.17 - 19.71     8,227,895          0.92      0.89 - 1.40    16.33 - 16.92   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                                               
                                                                                                                               
                                                           AS OF DECEMBER 31                  FOR THE YEAR ENDED DECEMBER 31   
                                    ---------------------------------------- --------------------------------------------------
                                                      UNIT VALUE             INVESTMENT(1) EXPENSE RATIO(2)  TOTAL RETURN(3)   
                                                       LOWEST TO         NET        INCOME        LOWEST TO        LOWEST TO   
                                         UNITS       HIGHEST ($)  ASSETS ($)     RATIO (%)      HIGHEST (%)      HIGHEST (%)   
                                    ---------- ----------------- ----------- ------------- ---------------- -------------------
MSF Artio International Stock  2010    318,412      4.26 - 14.47   3,979,701          1.41      1.40 - 1.90      4.85 - 5.74   
  Sub-Account                  2009    337,655      4.02 - 13.77   3,955,132          0.42      1.40 - 1.90    19.59 - 20.44   
                               2008    380,684      3.34 - 11.48   3,539,311          2.93      1.40 - 1.90 (45.29) - (44.91)  
                               2007    398,333      6.06 - 20.94   6,422,071          0.76      1.40 - 1.90      7.99 - 8.79   
                               2006    262,656      5.57 - 19.34   3,232,921          0.70      1.40 - 1.90    14.05 - 14.87   
MSF MetLife Stock Index        2010 23,801,960     11.03 - 45.76 343,187,076          1.63      0.89 - 2.90    11.41 - 13.81   
  Sub-Account                  2009 21,150,594      9.85 - 40.20 281,243,641          2.10      0.89 - 2.90    23.01 - 26.75   
                               2008 15,678,062      8.00 - 32.13 164,166,647          1.80      0.89 - 2.35 (38.72) - (37.66)  
                               2007 17,885,006     13.05 - 51.54 299,989,839          0.90      0.89 - 2.35      2.52 - 4.30   
                               2006 19,358,596     12.71 - 49.42 313,093,531          1.81      0.89 - 2.35    12.52 - 14.44   
MSF BlackRock Legacy           2010    601,185     12.06 - 35.71   9,563,155          0.22      0.89 - 2.30    17.10 - 18.76   
  Large Cap Growth             2009    612,808     10.28 - 30.07   8,419,085          0.15      0.89 - 2.30    28.77 - 35.57   
  Sub-Account                  2008     49,555     20.78 - 22.18   1,031,800          0.43      0.89 - 1.35 (37.36) - (37.07)  
                               2007     31,453     33.18 - 35.25   1,046,603          0.17      0.89 - 1.35    17.12 - 17.66   
                               2006     19,004     28.33 - 29.96     538,656          0.12      0.89 - 1.35      2.74 - 3.21   
MSF Neuberger Berman Genesis   2010    578,563     16.81 - 17.64   9,730,049          0.51      0.89 - 1.35    19.95 - 20.50   
  Sub-Account                  2009    605,787     14.02 - 14.64   8,493,213          1.10      0.89 - 1.35    11.63 - 12.15   
                               2008    587,465     12.56 - 13.06   7,377,709          0.53      0.89 - 1.35 (39.23) - (38.95)  
                               2007    625,394     20.66 - 21.39  12,924,658          0.30      0.89 - 1.35   (4.75) - (4.31)  
                               2006    613,247     21.69 - 22.35  13,305,490          0.31      0.89 - 1.35    15.17 - 15.70   
MSF BlackRock Bond Income      2010    952,834     42.45 - 65.04  47,336,145          3.77      0.89 - 2.30      5.72 - 7.38   
  Sub-Account                  2009    911,026     40.15 - 60.57  42,636,576          6.49      0.89 - 2.30      6.81 - 8.50   
                               2008    748,389     37.59 - 55.83  32,695,795          5.04      0.89 - 2.30   (5.77) - (4.29)  
                               2007    654,278     39.89 - 58.33  30,160,113          2.44      0.89 - 2.30      3.70 - 5.35   
                               2006    261,942     38.47 - 55.36  11,911,372          2.91      0.89 - 2.30      1.90 - 3.49   
MSF BlackRock Large-Cap        2010    253,453     11.33 - 11.79   2,872,585          1.09      0.89 - 1.35      7.75 - 8.26   
  Value Sub-Account            2009    264,703     10.51 - 10.89   2,783,413          1.58      0.89 - 1.35     9.73 - 10.22   
                               2008    257,240       9.58 - 9.88   2,464,834          0.86      0.89 - 1.35 (35.78) - (35.48)  
                               2007    251,656     14.92 - 15.31   3,754,451          0.91      0.89 - 1.35      2.00 - 2.47   
                               2006    154,904     14.62 - 14.94   2,265,770          1.04      0.89 - 1.35    17.73 - 18.27   
MSF Barclays Capital Aggregate 2010  5,646,137     14.02 - 17.15  86,674,964          2.64      0.89 - 2.25      3.30 - 5.11   
  Bond Index Sub-Account       2009  2,010,364     13.73 - 16.32  29,893,966          3.64      0.89 - 2.15      2.27 - 4.24   
                               2008    527,803     14.94 - 15.65   7,896,020          4.75      0.89 - 1.35      4.56 - 5.05   
                               2007    436,992     14.29 - 14.90   6,246,008          4.31      0.89 - 1.35      5.43 - 5.92   
                               2006    340,120     13.55 - 14.07   4,610,137          4.38      0.89 - 1.35      2.73 - 3.20   
MSF MFS Value Sub-Account      2010  3,234,649     12.33 - 14.90  45,430,281          1.32      0.89 - 2.30     8.89 - 10.44   
                               2009  2,664,361     11.22 - 13.56  33,984,060            --      0.89 - 2.30    18.08 - 19.75   
                               2008  2,080,451      9.41 - 11.38  22,207,620          1.81      0.89 - 2.30 (30.55) - (21.82)  
                               2007  1,601,257     14.33 - 17.03  25,634,063          0.27      0.89 - 2.30    (5.09) - 6.03   
                               2006    807,102     15.02 - 16.20  12,448,890          2.01      0.89 - 2.30    16.43 - 19.64   
MSF Morgan Stanley EAFE Index 2010   4,636,491     11.54 - 14.17  58,834,689          2.24      0.89 - 2.15      5.47 - 7.24   
  Sub-Account                  2009  2,230,107     10.94 - 13.21  27,098,496          3.30      0.89 - 2.15    26.95 - 35.25   
                               2008  1,129,559      9.89 - 10.36  11,178,515          2.94      0.89 - 1.35 (42.86) - (42.60)  
                               2007  1,079,041     17.30 - 18.05  18,684,621          1.93      0.89 - 1.35      9.32 - 9.83   
                               2006    910,003     15.83 - 16.43  14,411,542          1.63      0.89 - 1.35    24.04 - 24.61   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                                               
                                                                                                                               
                                                           AS OF DECEMBER 31                  FOR THE YEAR ENDED DECEMBER 31   
                                    ---------------------------------------- --------------------------------------------------
                                                      UNIT VALUE             INVESTMENT(1) EXPENSE RATIO(2)  TOTAL RETURN(3)   
                                                       LOWEST TO         NET        INCOME        LOWEST TO        LOWEST TO   
                                         UNITS       HIGHEST ($)  ASSETS ($)     RATIO (%)      HIGHEST (%)      HIGHEST (%)   
                                    ---------- ----------------- ----------- ------------- ---------------- -------------------
MSF MFS Total Return           2010    929,202     37.99 - 53.68  40,676,709          2.91      0.89 - 2.15      7.53 - 9.10   
  Sub-Account                  2009  1,006,138     35.33 - 49.20  40,772,224          4.14      0.89 - 2.15    15.84 - 17.55   
                               2008    977,440     30.49 - 41.85  34,110,264          3.52      0.89 - 2.30 (24.08) - (15.13)  
                               2007  1,100,140     38.88 - 54.24  50,198,332          1.84      0.89 - 2.30      1.79 - 3.45   
                               2006    647,027     38.20 - 52.44  29,037,432          1.84      0.89 - 2.30     9.43 - 11.22   
MSF MetLife Mid Cap Stock      2010  3,443,301     15.77 - 18.85  59,472,935          0.76      0.89 - 2.20    23.19 - 25.17   
  Index Sub-Account            2009  1,692,693     12.86 - 15.06  23,983,061          1.55      0.89 - 2.15    28.41 - 35.78   
                               2008    999,722     10.67 - 11.09  10,679,425          1.39      0.89 - 1.35 (37.03) - (36.74)  
                               2007    886,564     16.94 - 17.54  15,036,423          0.79      0.89 - 1.35      6.33 - 6.82   
                               2006    751,885     15.93 - 16.42  11,992,134          1.17      0.89 - 1.35      8.62 - 9.12   
MSF Davis Venture Value        2010 46,415,423     11.87 - 37.27 606,785,200          0.87      0.89 - 2.35     9.22 - 11.01   
  Sub-Account                  2009 41,123,511     10.86 - 33.58 487,864,492          1.37      0.89 - 2.35    28.77 - 30.82   
                               2008 37,459,395      8.43 - 25.67 339,962,645          1.19      0.89 - 2.35 (40.87) - (38.31)  
                               2007 39,936,774     14.23 - 42.70 599,873,294          0.67      0.89 - 2.35      1.99 - 3.65   
                               2006 43,433,483     13.94 - 41.19 632,598,729          0.71      0.89 - 2.35    11.76 - 13.57   
MSF Met/Artisan Mid Cap Value  2010 15,163,945     12.80 - 34.58 213,857,206          0.59      0.89 - 2.35    12.09 - 14.02   
  Sub-Account                  2009 15,659,935     11.41 - 30.33 195,923,686          0.84      0.89 - 2.35    37.92 - 40.31   
                               2008 16,302,851      8.27 - 21.61 146,716,944          0.06      0.89 - 2.35 (47.39) - (46.49)  
                               2007 18,551,932     15.69 - 40.39 316,048,072          0.35      0.89 - 2.35   (9.25) - (7.67)  
                               2006 21,686,262     17.28 - 43.74 402,048,625          0.11      0.89 - 2.35     9.58 - 11.46   
MSF Jennison Growth            2010 20,230,170      2.57 - 12.42 243,817,657          0.38      1.30 - 2.35     8.74 - 10.07   
  Sub-Account                  2009 17,375,446      2.33 - 11.31 190,651,501            --      1.30 - 2.35    36.32 - 38.02   
                               2008 14,090,231       1.69 - 8.21 112,407,198          2.13      1.30 - 2.35 (38.03) - (37.13)  
                               2007 14,275,390      2.70 - 13.10 182,244,421          0.19      1.30 - 2.35     8.79 - 10.11   
                               2006 15,655,366      2.45 - 11.92 182,151,002            --      1.30 - 2.35      0.15 - 1.20   
MSF BlackRock Money Market     2010 51,015,018      9.77 - 26.15 553,885,805            --      0.95 - 2.35   (2.32) - (0.64)  
  Sub-Account                  2009 54,211,009      9.99 - 26.46 576,532,284          0.25      1.00 - 2.35   (2.07) - (0.48)  
                               2008 55,686,362     10.19 - 26.67 595,304,545          2.42      1.15 - 2.35      0.21 - 1.42   
                               2007 22,951,175     10.16 - 25.09 241,601,183          4.74      1.15 - 2.35      2.37 - 3.61   
                               2006 18,324,659      9.91 - 24.22 187,577,920          4.50      1.30 - 2.35      2.13 - 3.20   
MSF T. Rowe Price Small Cap    2010    465,332     16.01 - 21.48   8,285,648            --      0.89 - 2.30    31.60 - 33.71   
  Growth Sub-Account           2009    481,022     12.16 - 16.06   6,406,764          0.12      0.89 - 2.30    35.49 - 37.73   
                               2008    332,266      8.98 - 11.66   3,243,702            --      0.89 - 2.30 (37.08) - (34.32)  
                               2007     77,656     16.25 - 18.44   1,279,290            --      0.89 - 1.40      8.32 - 8.88   
                               2006     73,595     15.00 - 16.94   1,115,539            --      0.89 - 1.40      2.46 - 2.98   
MSF Western Asset Management   2010 12,558,586     14.90 - 18.69 214,907,918          2.24      0.95 - 2.35      3.04 - 4.50   
  U. S. Government Sub-Account 2009  8,573,371     14.46 - 17.89 140,925,866          4.06      0.95 - 2.35      1.67 - 3.10   
                               2008  5,356,593     14.23 - 17.35  85,351,962          3.54      0.95 - 2.35   (2.85) - (1.48)  
                               2007  2,760,203     14.93 - 17.61  44,641,935          2.32      0.95 - 2.30      1.76 - 3.04   
                               2006  1,527,142     14.41 - 16.38  24,039,423          1.66      1.30 - 2.35      1.51 - 2.58   
MSF Oppenheimer Global Equity  2010    608,969     17.31 - 19.88  11,272,119          1.34      0.95 - 1.95    13.69 - 14.83   
  Sub-Account                  2009    672,213     15.23 - 17.32  10,903,654          2.29      0.95 - 1.95    37.10 - 38.48   
                               2008    671,786     11.17 - 12.50   7,900,093          1.77      0.95 - 1.90 (41.68) - (41.12)  
                               2007    501,067     19.16 - 21.24   9,987,034          0.71      0.95 - 1.90      4.25 - 5.25   
                               2006    195,337     18.38 - 19.12   3,691,502          0.20      1.50 - 1.90    14.17 - 14.62   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                                            
                                                                                                                            
                                                        AS OF DECEMBER 31                  FOR THE YEAR ENDED DECEMBER 31   
                                   -------------------------------------- --------------------------------------------------
                                                    UNIT VALUE            INVESTMENT(1) EXPENSE RATIO(2)  TOTAL RETURN(3)   
                                                     LOWEST TO        NET        INCOME        LOWEST TO        LOWEST TO   
                                       UNITS       HIGHEST ($) ASSETS ($)     RATIO (%)      HIGHEST (%)      HIGHEST (%)   
                                   --------- ----------------- ---------- ------------- ---------------- -------------------
MSF MetLife Aggressive        2010   180,144     10.59 - 11.02  1,960,648          1.05      1.55 - 2.25    13.12 - 13.92   
  Allocation Sub-Account      2009   169,980       9.36 - 9.67  1,636,073          2.18      1.55 - 2.25    28.57 - 29.46   
  (Commenced 5/1/2006)        2008   159,053       7.35 - 7.47  1,183,183          0.50      1.55 - 2.25 (41.78) - (41.37)  
                              2007   189,794     12.50 - 12.74  2,403,475          0.05      1.55 - 2.25      0.96 - 1.67   
                              2006   101,305     12.39 - 12.57  1,267,689            --      1.40 - 2.25    11.82 - 12.78   
MSF MetLife Conservative      2010   830,223     11.74 - 12.15  9,998,191          4.06      1.55 - 2.15      7.71 - 8.36   
  Allocation Sub-Account      2009   967,744     10.85 - 11.21 10,771,428          3.20      1.55 - 2.25    17.85 - 18.68   
  (Commenced 5/1/2006)        2008   602,771       9.24 - 9.44  5,653,460          0.85      1.55 - 2.15 (16.21) - (15.71)  
                              2007   242,633     11.07 - 11.20  2,702,849            --      1.55 - 2.00      3.47 - 3.94   
                              2006   194,471     10.65 - 10.81  2,088,145            --      1.40 - 2.25      3.88 - 4.76   
MSF MetLife Conservative to   2010   782,775     11.60 - 11.97  9,257,856          3.38      1.55 - 2.10      9.21 - 9.81   
  Moderate Allocation         2009   836,071     10.62 - 10.90  9,016,185          3.07      1.55 - 2.10    21.11 - 21.78   
  Sub-Account                 2008   664,967       8.77 - 8.95  5,902,351          1.05      1.55 - 2.10 (23.23) - (22.81)  
  (Commenced 5/1/2006)        2007   392,909     11.42 - 11.59  4,529,792            --      1.55 - 2.10      2.62 - 3.19   
                              2006   273,176     11.10 - 11.26  3,060,196            --      1.40 - 2.25      6.08 - 6.98   
MSF MetLife Moderate          2010 4,192,524     11.28 - 11.74 48,715,861          2.53      1.55 - 2.25    10.65 - 11.44   
  Allocation Sub-Account      2009 4,293,013     10.20 - 10.54 44,856,785          2.96      1.55 - 2.25    23.72 - 24.58   
  (Commenced 5/1/2006)        2008 4,259,716       8.24 - 8.46 35,786,827          0.77      1.55 - 2.25 (30.23) - (29.73)  
                              2007 3,351,654     11.81 - 12.04 40,157,114          0.01      1.55 - 2.25      2.01 - 2.73   
                              2006 1,554,946     11.58 - 11.75 18,172,533            --      1.40 - 2.25      8.31 - 9.23   
MSF MetLife Moderate to       2010 5,194,016     10.86 - 11.24 57,766,976          2.14      1.55 - 2.15    12.25 - 12.94   
  Aggressive Allocation       2009 5,328,120       9.67 - 9.95 52,562,753          2.53      1.55 - 2.15    26.35 - 27.11   
  Sub-Account                 2008 5,745,796       7.65 - 7.83 44,674,622          0.61      1.55 - 2.25 (36.57) - (36.12)  
  (Commenced 5/1/2006)        2007 5,047,763     12.02 - 12.25 61,541,186          0.02      1.55 - 2.25      1.53 - 2.24   
                              2006 1,876,875     11.84 - 12.01 22,426,140            --      1.40 - 2.25     9.59 - 10.53   
MSF T. Rowe Price Large Cap   2010    40,496     31.93 - 34.38  1,365,647          0.07      1.50 - 1.90    14.55 - 15.01   
  Growth Sub-Account          2009    39,614     27.87 - 29.90  1,161,818          0.32      1.50 - 1.90    40.35 - 40.91   
  (Commenced 4/28/2008)       2008    27,135     19.86 - 21.22    565,146            --      1.50 - 1.90 (44.05) - (43.82)  
MSF Loomis Sayles Small Cap   2010   214,307     30.76 - 36.95  7,224,075            --      1.20 - 2.30    24.32 - 25.69   
  Core Sub-Account            2009    73,444     25.33 - 29.40  1,990,671            --      1.20 - 2.15    27.16 - 28.38   
  (Commenced 7/14/2008)       2008       926     21.12 - 22.90     20,162            --      1.20 - 1.75 (25.82) - (25.62)  
MSF Neuberger Berman Mid Cap 2010     82,451     22.42 - 25.62  1,984,636          0.22      1.20 - 2.30    23.19 - 24.55   
  Value Sub-Account           2009    11,335     18.92 - 20.57    225,554          0.60      1.20 - 1.95    44.89 - 45.97   
  (Commenced 7/14/2008)       2008     1,374     13.33 - 14.09     18,573            --      1.20 - 1.75 (40.64) - (40.49)  
MSF Met/Dimensional           2010 2,082,274     16.89 - 17.28 35,750,236          1.30      1.30 - 2.35    19.74 - 21.01   
  International Small Company 2009 1,225,665     14.11 - 14.28 17,436,960            --      1.30 - 2.35    39.40 - 40.87   
  Sub-Account                 2008    12,651     10.12 - 10.14    128,139            --      1.30 - 2.05      0.61 - 0.71   
  (Commenced 11/10/2008)                                                                                                    
MSF Van Eck Global Natural    2010 3,967,225     18.49 - 18.86 74,371,723          0.25      1.30 - 2.20    26.22 - 27.36   
  Resources Sub-Account       2009 1,195,095     14.65 - 14.80 17,635,926            --      1.30 - 2.20    35.00 - 35.82   
  (Commenced 5/4/2009)                                                                                                      
Federated Capital Income      2010     2,848              4.87     13,858          0.22             1.40             7.87   
  Sub-Account                                                                                                               
  (Commenced 3/15/2010)                                                                                                     

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                                                 
                                                                                                                                 
                                                             AS OF DECEMBER 31                  FOR THE YEAR ENDED DECEMBER 31   
                                       --------------------------------------- --------------------------------------------------
                                                        UNIT VALUE             INVESTMENT(1) EXPENSE RATIO(2)  TOTAL RETURN(3)   
                                                         LOWEST TO         NET        INCOME        LOWEST TO        LOWEST TO   
                                           UNITS       HIGHEST ($)  ASSETS ($)     RATIO (%)      HIGHEST (%)      HIGHEST (%)   
                                       --------- ----------------- ----------- ------------- ---------------- -------------------
Federated High Income Bond        2010     3,566              8.31      29,620          7.89             1.40            13.13   
  Sub-Account                     2009     3,582              7.34      26,300          8.35             1.40            50.72   
                                  2008    10,612              4.87      51,695         10.07             1.40           (27.03)  
                                  2007    18,999              6.68     126,835          7.93             1.40             1.98   
                                  2006    20,273              6.55     132,703          8.52             1.40             9.27   
Federated Kaufman Sub-Account     2010    14,184              5.63      79,874            --             1.40            13.09   
  (Commenced 3/15/2010)                                                                                                          
Neuberger Berman Genesis          2010       571             15.16       8,663            --             0.89            20.30   
  Sub-Account                     2009       697             12.60       8,785            --             0.89            25.13   
                                  2008       809             10.07       8,146          3.68             0.89           (33.45)  
                                  2007       927             15.13      14,022          0.14             0.89            20.72   
                                  2006     1,051             12.53      13,167          1.05             0.89             6.31   
Alger Small Cap Growth            2010 5,634,931     10.28 - 10.44  58,325,342            --      1.25 - 1.40    23.54 - 23.73   
  Sub-Account                     2009 6,156,883       8.32 - 8.44  51,552,207            --      1.25 - 1.40    43.49 - 43.70   
                                  2008 6,485,576       5.80 - 5.87  37,826,339            --      1.25 - 1.40 (47.35) - (47.27)  
                                  2007 7,147,895     11.01 - 11.13  79,134,670            --      1.25 - 1.40    15.60 - 15.78   
                                  2006 7,749,990       9.53 - 9.61  74,178,889            --      1.25 - 1.40    18.35 - 18.53   
T. Rowe Price Growth Stock        2010    85,875             83.50   7,170,858          0.06             0.89            15.89   
  Sub-Account                     2009    97,059             72.05   6,993,261          0.21             0.89            41.98   
                                  2008   104,973             50.75   5,327,165          0.40             0.89           (42.77)  
                                  2007   118,255             88.67  10,486,221          0.60             0.89             9.38   
                                  2006   128,359             81.07  10,405,667          0.62             0.89             5.62   
T. Rowe Price International Stock 2010    68,117             13.68     932,126          1.13             0.89            13.46   
  Sub-Account                     2009    72,797             12.06     877,970          2.49             0.89            50.86   
                                  2008    76,425              7.99     610,995          1.51             0.89           (48.48)  
                                  2007    87,971             15.52   1,365,106          1.62             0.89            12.42   
                                  2006    96,658             13.80   1,334,230          1.20             0.89            18.21   
T. Rowe Price Prime Reserve       2010    70,013             18.06   1,264,618          0.01             0.89            (0.87)  
  Sub-Account                     2009    76,856             18.22   1,400,475          0.22             0.89            (0.70)  
                                  2008   120,897             18.35   2,218,473          2.47             0.89             1.64   
                                  2007    96,955             18.05   1,750,411          4.77             0.89             3.94   
                                  2006    87,463             17.37   1,519,155          4.55             0.89             3.64   
Janus Aspen Worldwide             2010       901              7.22       6,506          0.61             0.89            14.80   
  Sub-Account                     2009       999              6.29       6,285          1.43             0.89            36.49   
                                  2008     1,089              4.61       5,018          1.21             0.89           (45.15)  
                                  2007     1,182              8.40       9,932          0.76             0.89             8.65   
                                  2006     1,276              7.73       9,873          1.77             0.89            17.16   
American Funds Global Small       2010 2,578,008     29.19 - 33.17  80,582,925          1.75      0.89 - 1.90    20.11 - 21.33   
  Capitalization Sub-Account      2009 2,262,060     24.30 - 27.34  58,608,602          0.31      0.89 - 1.90    58.26 - 59.86   
                                  2008 1,683,911     15.35 - 17.10  27,428,704            --      0.89 - 1.90 (54.33) - (49.46)  
                                  2007   985,561     34.16 - 37.13  35,036,450          2.98      0.89 - 1.75    19.31 - 20.35   
                                  2006   666,735     29.64 - 30.85  19,777,453          0.46      0.89 - 1.35    22.39 - 22.96   
American Funds Growth             2010 3,717,676   123.22 - 180.08 568,813,924          0.77      0.89 - 2.30    15.98 - 17.63   
  Sub-Account                     2009 3,225,880   106.24 - 153.09 419,749,811          0.71      0.89 - 2.30    36.24 - 38.18   
                                  2008 2,453,157    77.98 - 110.79 231,101,074          1.04      0.89 - 2.30 (45.25) - (44.47)  
                                  2007 1,458,315   142.42 - 199.51 245,762,919          0.98      0.89 - 2.30     9.78 - 11.35   
                                  2006   729,519   129.74 - 179.18 111,503,370          1.17      0.89 - 2.30      7.72 - 9.24   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                                               
                                                                                                                               
                                                           AS OF DECEMBER 31                  FOR THE YEAR ENDED DECEMBER 31   
                                     --------------------------------------- --------------------------------------------------
                                                      UNIT VALUE             INVESTMENT(1) EXPENSE RATIO(2)  TOTAL RETURN(3)   
                                                       LOWEST TO         NET        INCOME        LOWEST TO        LOWEST TO   
                                         UNITS       HIGHEST ($)  ASSETS ($)     RATIO (%)      HIGHEST (%)      HIGHEST (%)   
                                     --------- ----------------- ----------- ------------- ---------------- -------------------
American Funds Growth--Income   2010 2,639,070    82.11 - 119.99 266,511,951          1.55      0.89 - 2.30     8.90 - 10.44   
  Sub-Account                   2009 2,398,146    75.40 - 108.65 219,689,912          1.74      0.89 - 2.30    28.26 - 30.08   
                                2008 1,942,091     58.79 - 83.53 136,811,504          2.00      0.89 - 2.30 (39.27) - (38.40)  
                                2007 1,369,874    96.80 - 135.60 156,224,069          1.92      0.89 - 2.30      2.64 - 4.11   
                                2006   687,630    94.31 - 130.25  76,344,065          2.27      0.89 - 2.30    12.59 - 14.18   
American Funds Global Growth    2010 7,470,107     24.36 - 29.30 202,441,649          1.56      0.95 - 2.30     9.21 - 10.69   
  Sub-Account                   2009 6,579,263     22.30 - 26.47 161,438,857          1.51      0.95 - 2.30    39.07 - 40.96   
                                2008 5,818,048     16.04 - 18.78 101,450,809          2.17      0.95 - 2.30 (39.80) - (38.97)  
                                2007 3,676,314     26.64 - 30.77 104,847,881          3.27      0.95 - 2.30    12.22 - 13.76   
                                2006 1,374,016     23.74 - 25.90  34,540,668          0.78      1.40 - 2.30    17.70 - 18.76   
American Funds Bond             2010 5,183,483     15.43 - 17.57  86,203,052          3.44      0.95 - 1.90      4.44 - 5.44   
  Sub-Account                   2009 3,608,245     14.77 - 16.66  57,212,613          3.86      0.95 - 1.90    10.49 - 11.54   
  (Commenced 6/1/2007)          2008 1,887,421     13.37 - 14.94  27,017,111          9.06      0.95 - 1.90 (11.06) - (10.21)  
                                2007   413,860     15.27 - 16.64   6,639,941          8.01      0.95 - 1.75      0.28 - 2.19   
FTVIPT Mutual Shares Securities 2010 5,431,435     19.07 - 21.81 110,507,146          1.62      0.95 - 1.90     9.10 - 10.14   
  Sub-Account                   2009 4,784,657     17.47 - 19.80  88,554,450          2.02      0.95 - 1.90    23.67 - 24.86   
                                2008 3,944,854     14.13 - 15.86  58,571,142          3.27      0.95 - 1.90 (38.30) - (37.71)  
                                2007 3,006,411     22.90 - 25.46  71,392,728          1.37      0.95 - 1.90      1.52 - 2.50   
                                2006 1,273,727     22.56 - 23.49  29,530,718          0.99      1.50 - 1.90    16.16 - 16.62   
FTVIPT Templeton Foreign        2010 2,782,005     13.20 - 30.95  79,683,759          1.88      1.55 - 2.30      5.94 - 6.74   
  Securities Sub-Account        2009 2,655,441     12.40 - 29.04  70,515,555          3.05      1.55 - 2.30    33.93 - 34.94   
                                2008 2,485,260      9.21 - 21.55  48,551,609          2.33      1.55 - 2.30 (41.74) - (41.30)  
                                2007 1,778,828     15.73 - 36.77  56,498,732          1.81      1.55 - 2.30    12.82 - 13.67   
                                2006   946,611     13.88 - 32.88  24,137,809          1.33      1.40 - 2.30    18.69 - 19.76   
FTVIPT Templeton Growth         2010 3,450,327     10.62 - 15.34  45,199,211          1.38      0.95 - 1.90      5.38 - 6.37   
  Securities Sub-Account        2009 3,416,400     10.05 - 14.52  42,694,521          3.11      0.95 - 1.90    28.64 - 29.86   
                                2008 2,828,128      7.79 - 11.26  27,929,783          1.79      0.95 - 1.90 (43.41) - (42.87)  
                                2007 2,063,301     13.72 - 19.85  38,096,365          1.31      0.95 - 1.90      0.41 - 1.37   
                                2006   784,417     18.41 - 19.72  15,182,959          0.76      1.50 - 1.90    19.52 - 20.00   
FTVIPT Franklin Income          2010 3,722,732     39.56 - 52.61 176,548,647          6.60      0.95 - 2.25    10.17 - 11.61   
  Securities Sub-Account        2009 3,157,996     35.91 - 47.14 134,091,525          8.01      0.95 - 2.25    32.58 - 34.31   
                                2008 2,613,572     27.09 - 35.10  82,449,457          5.48      0.95 - 2.25 (31.23) - (30.32)  
                                2007 1,974,360     39.38 - 50.37  88,519,218          3.16      0.95 - 2.25      1.44 - 2.77   
                                2006   664,025     38.83 - 45.21  28,820,820          2.35      1.40 - 2.25    15.62 - 16.60   
FTVIPT Templeton Global Bond    2010 4,997,591     16.79 - 18.48  88,294,177          1.36      0.95 - 1.75    12.46 - 13.36   
  Securities Sub-Account        2009 2,853,081     14.93 - 16.31  44,636,060         14.21      0.95 - 1.75    16.62 - 17.56   
  (Commenced 6/1/2007)          2008 1,462,599     12.80 - 13.87  19,575,877          3.50      0.95 - 1.75      4.36 - 5.20   
                                2007   318,925     12.27 - 13.18   4,080,871          0.01      0.95 - 1.75      3.66 - 9.78   
FTVIPT Franklin Small Cap       2010 3,178,430       9.21 - 9.48  29,718,643          0.73      0.95 - 1.75    26.00 - 27.01   
  Value Securities Sub-Account  2009 1,787,114       7.31 - 7.46  13,205,263          1.66      0.95 - 1.75    26.91 - 27.94   
  (Commenced 6/1/2007)          2008   856,253       5.76 - 5.83   4,965,586          1.04      0.95 - 1.75 (34.18) - (33.65)  
                                2007   251,664       8.75 - 8.79   2,208,487            --      0.95 - 1.75  (14.60) - (3.45)  
UIF U.S Real Estate Sub-Account 2010 2,327,750     23.50 - 49.52  68,963,648          2.15      0.95 - 1.90    27.52 - 28.73   
                                2009 2,542,094     18.43 - 38.47  56,466,102          3.31      0.95 - 1.90    25.93 - 27.14   
                                2008 2,248,952     14.64 - 30.26  38,153,749          3.39      0.95 - 1.90 (39.07) - (38.49)  
                                2007 2,043,530     24.02 - 49.19  52,908,525          2.27      0.95 - 1.90 (18.64) - (17.86)  
                                2006   928,174     29.52 - 30.20  27,806,209          0.66      1.50 - 1.90    35.46 - 36.00   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                                             
                                                                                                                             
                                                         AS OF DECEMBER 31                  FOR THE YEAR ENDED DECEMBER 31   
                                    -------------------------------------- --------------------------------------------------
                                                     UNIT VALUE            INVESTMENT(1) EXPENSE RATIO(2)  TOTAL RETURN(3)   
                                                      LOWEST TO        NET        INCOME        LOWEST TO        LOWEST TO   
                                        UNITS       HIGHEST ($) ASSETS ($)     RATIO (%)      HIGHEST (%)      HIGHEST (%)   
                                    --------- ----------------- ---------- ------------- ---------------- -------------------
Pioneer VCT Bond Sub-Account   2010   196,849     12.11 - 12.40  2,417,734          4.70      1.20 - 1.95      6.84 - 7.64   
  (Commenced 7/14/2008)        2009   193,471     11.33 - 11.52  2,213,875          5.14      1.20 - 1.95    15.02 - 15.89   
                               2008     8,267       9.87 - 9.94     82,002          1.64      1.20 - 1.75   (3.38) - (3.13)  
Pioneer VCT Cullen Value       2010   243,744       8.83 - 9.11  2,192,843          0.58      1.20 - 1.95      7.15 - 7.96   
  Sub-Account                  2009   223,412       8.19 - 8.44  1,867,892          0.70      1.20 - 2.15    13.26 - 14.34   
  (Commenced 7/14/2008)        2008    21,316       7.29 - 7.38    156,566            --      1.20 - 1.75 (21.91) - (21.71)  
Pioneer VCT Emerging Markets   2010    62,764     18.70 - 20.26  1,212,537          0.32      1.20 - 1.95    13.38 - 14.23   
  Sub-Account                  2009    60,035     16.18 - 17.74  1,020,914          0.63      1.20 - 2.15    70.32 - 71.96   
  (Commenced 7/14/2008)        2008     4,387      9.83 - 10.32     43,804            --      1.20 - 1.75 (50.82) - (50.69)  
Pioneer VCT Equity Income      2010    18,868     19.24 - 20.95    375,754          2.07      1.20 - 1.95    16.93 - 17.81   
  Sub-Account                  2009    20,833     16.12 - 17.79    354,460          3.38      1.20 - 2.15    11.47 - 12.53   
  (Commenced 7/14/2008)        2008     2,134     15.01 - 15.22     32,445          0.69      1.60 - 1.75 (22.10) - (22.05)  
Pioneer VCT Fund Sub-Account   2010    26,813       9.18 - 9.95    261,705          1.12      1.20 - 1.95    13.50 - 14.34   
  (Commenced 7/14/2008)        2009    26,714       8.09 - 8.70    228,777          1.60      1.20 - 1.95    22.50 - 23.42   
                               2008     5,631       6.72 - 7.05     39,673          0.69      1.20 - 1.75 (24.80) - (24.61)  
Pioneer VCT Ibbotson Growth    2010 1,275,136     14.95 - 15.62 19,386,421          1.88      1.20 - 1.95    12.55 - 13.39   
  Allocation Sub-Account       2009 1,257,274     13.28 - 13.78 16,934,322          2.87      1.20 - 1.95    30.11 - 31.09   
  (Commenced 7/14/2008)        2008   346,884     10.21 - 10.51  3,587,235            --      1.20 - 1.95 (27.48) - (27.22)  
Pioneer VCT Ibbotson Moderate  2010 1,833,743     14.43 - 15.31 27,517,066          2.53      1.20 - 2.20    11.44 - 12.56   
  Allocation Sub-Account       2009 1,818,031     12.95 - 13.60 24,317,338          3.10      1.20 - 2.20    28.59 - 29.89   
  (Commenced 7/14/2008)        2008   109,195     10.23 - 10.47  1,127,161            --      1.20 - 1.80 (24.71) - (24.50)  
Pioneer VCT Mid Cap Value      2010 1,493,349     28.81 - 33.76 46,621,818          0.87      0.95 - 1.95    15.62 - 16.78   
  Sub-Account                  2009 1,309,529     24.92 - 28.91 35,037,503          1.29      0.95 - 1.95    22.85 - 24.08   
                               2008 1,105,223     20.42 - 23.30 23,891,796          0.87      0.95 - 1.90 (35.01) - (34.39)  
                               2007   813,072     31.43 - 35.50 26,728,784          0.54      0.95 - 1.90      3.35 - 4.34   
                               2006   262,287     30.41 - 31.88  8,219,057            --      1.50 - 1.90    10.16 - 10.60   
Pioneer VCT Real Estate Shares 2010    12,983     17.38 - 18.80    234,208          2.42      1.20 - 1.95    26.06 - 27.01   
  Sub-Account                  2009    16,034     13.78 - 14.80    228,918          4.81      1.20 - 1.95    29.02 - 29.98   
  (Commenced 7/14/2008)        2008     3,001     10.87 - 11.38     33,133          1.71      1.20 - 1.75 (32.64) - (32.47)  
LMPVET ClearBridge Variable    2010 2,149,625     13.62 - 18.28 33,662,804            --      0.95 - 2.30    22.34 - 24.00   
  Small Cap Growth Sub-Account 2009 1,757,714     11.13 - 14.74 21,966,842            --      0.95 - 2.30    39.53 - 41.42   
                               2008 1,214,861      7.98 - 10.42 10,577,679            --      0.95 - 2.30 (42.06) - (41.27)  
                               2007   754,675     13.77 - 17.53 10,904,358            --      1.10 - 2.30      7.50 - 8.80   
                               2006   325,638     12.81 - 13.36  4,282,564          0.46      1.40 - 2.30    10.21 - 11.20   
LMPVET ClearBridge Variable    2010   194,899     13.09 - 14.51  2,729,796          3.02      1.50 - 2.30      6.98 - 7.83   
  Large Cap Value Sub-Account  2009   196,692     12.23 - 13.45  2,559,454          1.95      1.50 - 2.30    21.66 - 22.65   
                               2008   188,889     10.05 - 10.97  2,012,063          1.09      1.50 - 2.30 (37.09) - (36.59)  
                               2007   279,645     15.98 - 17.30  4,699,165          1.52      1.50 - 2.30      1.53 - 2.35   
                               2006   130,370     15.74 - 17.05  2,127,448          2.98      1.40 - 2.30    15.58 - 16.62   
LMPVET ClearBridge Variable    2010 3,100,875     27.97 - 35.07 99,528,233          1.79      0.95 - 2.30    13.96 - 15.50   
  Fundamental All Cap Value    2009 2,989,079     24.54 - 30.36 83,258,408          1.44      0.95 - 2.30    26.41 - 28.14   
  Sub-Account                  2008 2,724,852     19.41 - 23.70 59,326,416          1.83      0.95 - 2.30 (38.03) - (37.18)  
                               2007 2,440,021     31.33 - 37.72 84,463,307          1.55      0.95 - 2.30   (1.05) - (0.31)  
                               2006 1,257,495     31.66 - 35.61 43,419,332          3.96      1.40 - 2.30    14.15 - 15.18   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)                                

8. FINANCIAL HIGHLIGHTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                                                
                                                                                                                                
                                                            AS OF DECEMBER 31                  FOR THE YEAR ENDED DECEMBER 31   
                                     ---------------------------------------- --------------------------------------------------
                                                       UNIT VALUE             INVESTMENT(1) EXPENSE RATIO(2)  TOTAL RETURN(3)   
                                                        LOWEST TO         NET        INCOME        LOWEST TO        LOWEST TO   
                                          UNITS       HIGHEST ($)  ASSETS ($)     RATIO (%)      HIGHEST (%)      HIGHEST (%)   
                                     ---------- ----------------- ----------- ------------- ---------------- -------------------
LMPVET ClearBridge Variable     2010  5,515,253     26.87 - 34.42 173,626,503          1.83      0.95 - 2.30    10.07 - 11.56   
  Appreciation Sub-Account      2009  4,134,838     24.41 - 30.85 116,657,409          2.45      0.95 - 2.30    19.34 - 20.96   
                                2008  3,070,482     11.00 - 25.50  70,122,225          1.44      0.95 - 2.30 (31.05) - (29.98)  
                                2007  2,591,844     15.95 - 36.42  83,497,462          1.37      0.95 - 2.30      1.22 - 7.39   
                                2006  1,236,956     27.95 - 32.05  38,211,834          2.66      1.40 - 2.30    12.19 - 13.21   
LMPVET ClearBridge Variable     2010 11,742,971      8.92 - 14.87 156,471,918          0.15      0.95 - 2.30    22.17 - 23.83   
  Aggressive Growth             2009 11,503,827      7.29 - 12.01 123,705,924            --      0.95 - 2.30    31.51 - 33.30   
  Sub-Account                   2008 10,751,677       7.58 - 9.01  86,704,540            --      0.95 - 2.30 (41.77) - (40.97)  
                                2007  9,406,900     13.02 - 15.26 127,959,661            --      0.95 - 2.30    (0.82) - 0.54   
                                2006  5,468,811     13.12 - 13.68  73,942,504            --      1.40 - 2.30      6.32 - 7.28   
LMPVET ClearBridge Variable     2010    459,350     12.35 - 13.67   6,065,533          0.11      1.50 - 2.30      7.34 - 8.19   
  Large Cap Growth              2009    557,417     11.50 - 12.63   6,818,703          0.27      1.50 - 2.30    39.14 - 40.27   
  Sub-Account                   2008    629,993       8.27 - 9.01   5,503,740          0.26      1.50 - 2.30 (38.72) - (38.23)  
                                2007    699,543     13.49 - 14.58   9,921,012          0.05      1.50 - 2.30      2.90 - 3.73   
                                2006    433,171     13.11 - 14.18   5,945,005          0.30      1.40 - 2.30      2.22 - 3.15   
LMPVET Investment Counsel       2010     17,424     27.81 - 29.97     510,680          1.24      1.50 - 1.90    10.04 - 10.48   
  Variable Social Awareness     2009     19,412     25.28 - 27.12     515,712          1.43      1.50 - 1.90    20.53 - 21.01   
  Sub-Account                   2008     25,775     20.97 - 22.41     567,901          2.05      1.50 - 1.90 (26.61) - (26.32)  
                                2007     19,022     28.57 - 30.42     565,965          1.84      1.50 - 1.90      8.80 - 9.24   
                                2006     10,361     26.26 - 27.85     281,509          1.25      1.50 - 1.90      5.67 - 6.09   
LMPVET ClearBridge Variable     2010  6,778,039     10.29 - 13.39  81,006,913          4.09      0.95 - 1.90    10.01 - 11.06   
  Equity Income Builder         2009  6,144,958      9.34 - 12.06  64,946,351          3.37      0.95 - 1.90    20.32 - 21.47   
  Sub-Account                   2008  5,136,303       7.74 - 9.92  43,322,014          1.13      0.95 - 1.90 (36.25) - (35.58)  
                                2007  4,737,273     12.15 - 15.28  59,957,587          1.99      1.10 - 1.90      0.27 - 5.14   
                                2006    154,474     14.18 - 14.70   2,252,417          2.55      1.40 - 2.25     9.67 - 10.61   
LMPVET ClearBridge Variable     2010    369,866     13.75 - 14.69   5,296,139          0.80      1.50 - 2.30    10.10 - 10.99   
  Capital Sub-Account           2009    422,476     12.49 - 13.23   5,469,899          0.64      1.50 - 2.30    37.07 - 38.16   
                                2008    459,735       9.11 - 9.58   4,320,213          0.05      1.50 - 2.30 (43.46) - (43.00)  
                                2007    542,230     16.11 - 16.80   8,963,789          0.52      1.50 - 2.30    (0.48) - 0.32   
                                2006    284,789     16.19 - 16.82   4,710,142          0.93      1.40 - 2.30    11.04 - 12.04   
LMPVET ClearBridge Variable     2010    641,516       8.57 - 9.38   5,852,267          2.89      1.50 - 2.30     9.36 - 10.23   
  Dividend Strategy Sub-Account 2009    709,577       7.83 - 8.51   5,884,519          2.01      1.50 - 2.30    19.30 - 20.26   
                                2008    798,585       6.57 - 7.07   5,522,751          2.77      1.50 - 2.30 (30.21) - (29.65)  
                                2007    834,706      9.41 - 10.05   8,243,529          2.90      1.50 - 2.30      4.02 - 4.86   
                                2006    321,925       9.04 - 9.59   3,032,256          5.84      1.50 - 2.30    15.26 - 16.18   
LMPVET Variable Lifestyle       2010    769,522     16.05 - 17.94  13,086,823          4.10      1.10 - 1.90     6.21 - 12.65   
  Allocation 50% Sub-Account    2009    487,451     14.30 - 15.06   7,231,568          5.06      1.50 - 1.90    29.83 - 30.35   
                                2008    567,873     11.02 - 11.55   6,471,351          3.50      1.50 - 1.90 (28.71) - (28.42)  
                                2007    590,437     15.45 - 16.14   9,409,255          5.14      1.50 - 1.90      1.26 - 1.67   
                                2006    177,614     13.97 - 15.88   2,794,996          5.99      1.50 - 1.90      6.19 - 6.61   
LMPVET Variable Lifestyle       2010    236,121     13.81 - 14.60   3,395,287          2.04      1.50 - 1.90    12.84 - 13.30   
  Allocation 70% Sub-Account    2009    271,548     12.24 - 12.89   3,447,350          3.60      1.50 - 1.90    30.41 - 30.93   
                                2008    280,357       9.39 - 9.84   2,719,047          2.51      1.50 - 1.90 (34.04) - (33.77)  
                                2007    250,067     14.23 - 14.86   3,668,950          4.65      1.50 - 1.90      1.87 - 2.28   
                                2006     23,381     13.97 - 14.53     336,900          3.81      1.50 - 1.90      6.81 - 7.24   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                                        
OF METLIFE INVESTORS USA INSURANCE COMPANY                                      
NOTES TO THE FINANCIAL STATEMENTS -- (CONCLUDED)                                

8. FINANCIAL HIGHLIGHTS -- (CONCLUDED)                                          

                                                        [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 (%)   
                                   --------- ----------------- ---------- ------------- ---------------- -------------------
LMPVET VariableLifestyle      2010 4,289,092     13.41 - 15.30 62,035,149          1.73      0.95 - 1.90    13.52 - 14.60   
  Allocation 85% Sub-Account  2009 3,756,486     11.81 - 13.35 47,576,561          2.64      0.95 - 1.90    29.99 - 31.22   
                              2008 2,668,230      9.09 - 10.18 25,875,933          2.50      0.95 - 1.90 (38.60) - (38.01)  
                              2007 1,057,927     14.80 - 16.41 16,581,727          5.12      0.95 - 1.90      1.41 - 2.38   
                              2006    21,392     14.59 - 15.18    320,998          1.97      1.50 - 1.90      7.41 - 7.84   
LMPVIT Western Asset Variable 2010   218,369       9.50 - 9.93  2,149,943          1.09      1.50 - 2.10      6.93 - 7.56   
  Adjustable Rate Income      2009   231,438       8.89 - 9.23  2,121,940          1.94      1.50 - 2.10    14.97 - 15.66   
  Sub-Account                 2008   225,349       7.73 - 7.98  1,788,239          4.30      1.50 - 2.10 (22.82) - (22.35)  
                              2007   310,564     10.02 - 10.28  3,178,900          5.20      1.50 - 2.10   (0.76) - (0.16)  
                              2006   216,326     10.04 - 10.33  2,220,514         11.96      1.40 - 2.25      1.79 - 2.66   
LMPVIT Western Asset Variable 2010 3,170,899     17.44 - 20.70 61,092,507          9.47      0.95 - 2.30    12.31 - 13.83   
  Global High Yield Bond      2009 2,845,850     15.53 - 18.18 48,249,580         11.34      0.95 - 2.30    52.02 - 54.08   
  Sub-Account                 2008 2,664,258     10.21 - 11.80 29,373,023         11.01      0.95 - 2.30 (32.40) - (31.48)  
                              2007 2,527,054     15.11 - 16.97 40,738,484          9.95      1.10 - 2.30   (2.35) - (1.17)  
                              2006 1,039,676     15.48 - 16.73 16,994,644         15.93      1.40 - 2.30      8.13 - 9.11   

(1) These amounts represent the dividends, excluding distributions of capital   
gains, received by the Sub-Account from the underlying portfolio, series, or    
fund, net of management fees assessed by the fund manager, divided by the       
average net assets. These ratios exclude those expenses, such as mortality and  
expense risk charges, that are assessed against the contract owner accounts     
either through reductions in the unit values or the redemption of units. The    
recognition of investment income by the Sub-Account is affected by the timing   
of the declaration of dividends by the underlying portfolio, series, or fund in 
which the Sub-Account invests.                                                  

(2) These amounts represent annualized contract expenses of each of the         
applicable Sub-Accounts, consisting primarily of mortality and expense risk     
charges, for each period indicated. The ratios include only those expenses that 
result in a direct reduction to unit values. Charges made directly to contract  
owner accounts through the redemption of units and expenses of the underlying   
portfolio, series, or fund have been excluded.                                  

(3) These amounts represent the total return for the period indicated,          
including changes in the value of the underlying portfolio, series, or fund,    
and expenses assessed through the reduction of unit values. These ratios do     
not include any expenses assessed through the redemption of units. The total    
return is calculated for each period indicated or from the effective date       
through the end of the reporting period. The total return is presented as a     
range of minimum to maximum returns, based on minimum and maximum returns       
within each product grouping of the applicable Sub-Account.                     

164                                                                             

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METLIFE INVESTORS USA INSURANCE COMPANY                                         

Consolidated Financial Statements                                               

As of December 31, 2010 and 2009 and for the Years Ended December 31, 2010, 2009
and 2008                                                                        
and Report of Independent Registered Public Accounting Firm                     

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 REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors and Stockholder of                                    
MetLife Investors USA Insurance Company:                                        

We have audited the accompanying consolidated balance sheets of MetLife         
Investors USA Insurance Company and its subsidiary (the "Company") as of        
December 31, 2010 and 2009, and the related consolidated statements of          
operations, stockholder's 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 these 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 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 financial statements, assessing the accounting principles used and          
significant estimates made by management, as well as evaluating the overall     
financial statement presentation. We believe that our audits provide a          
reasonable basis for our opinion.                                               

In our opinion, such consolidated financial statements present fairly, in all   
material respects, the financial position of MetLife Investors USA Insurance    
Company and its subsidiary 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                                                       

Certified Public Accountants                                                    
Tampa, Florida                                                                  
April 19, 2011                                                                  

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 CONSOLIDATED BALANCE SHEETS
DECEMBER 31, 2010 AND 2009

(IN MILLIONS, EXCEPT SHARE AND PER SHARE DATA)

                                                                [Download Table]

                                                                   2010     2009  
                                                                 -------  ------- 
                                                                                  
ASSETS                                                                            
Investments:                                                                      
  Fixed maturity securities available-for-sale, at estimated                      
     fair value (amortized cost: $8,350 and $7,842,                               
     respectively).............................................. $ 8,676  $ 7,805 
  Equity securities available-for-sale, at estimated fair value                   
     (cost: $3 and $4, respectively)............................       3        3 
  Mortgage loans (net of valuation allowances of $12 and $3,                      
     respectively)..............................................   1,175      605 
  Policy loans..................................................      64       50 
  Real estate joint ventures....................................      30       29 
  Other limited partnership interests...........................     456      282 
  Short-term investments, principally at estimated fair value...     113      835 
  Other invested assets, principally at estimated fair value....     215       37 
                                                                 -------  ------- 
     Total investments..........................................  10,732    9,646 
Cash and cash equivalents.......................................     240      412 
Accrued investment income.......................................     105       84 
Premiums, reinsurance and other receivables.....................   9,778    6,972 
Deferred policy acquisition costs...............................   2,965    2,554 
Current income tax recoverable..................................      25       -- 
Other assets....................................................     728      680 
Separate account assets.........................................  42,435   29,958 
                                                                 -------  ------- 
     Total assets............................................... $67,008  $50,306 
                                                                 =======  ======= 
LIABILITIES AND STOCKHOLDER'S EQUITY                                              
LIABILITIES                                                                       
Future policy benefits.......................................... $ 2,092  $ 1,444 
Policyholder account balances...................................  11,197   10,377 
Other policy-related balances...................................   2,120    1,817 
Payables for collateral under securities loaned and other                         
  transactions..................................................   1,246    1,607 
Long-term debt..................................................      45       -- 
Current income tax payable......................................      --       17 
Deferred income tax liability...................................     580      400 
Other liabilities...............................................   3,601    1,428 
Separate account liabilities....................................  42,435   29,958 
                                                                 -------  ------- 
     Total liabilities..........................................  63,316   47,048 
                                                                 -------  ------- 
CONTINGENCIES, COMMITMENTS AND GUARANTEES (NOTE 10)                               

STOCKHOLDER'S EQUITY                                                              
Preferred stock, par value $1.00 per share; 200,000 shares                        
  authorized, issued and outstanding............................      --       -- 
Common stock, par value $200.00 per share; 15,000 shares                          
  authorized; 11,000 shares issued and outstanding..............       2        2 
Additional paid-in capital......................................   2,520    2,520 
Retained earnings...............................................   1,063      771 
Accumulated other comprehensive income (loss)...................     107      (35)
                                                                 -------  ------- 
     Total stockholder's equity.................................   3,692    3,258 
                                                                 -------  ------- 
     Total liabilities and stockholder's equity................. $67,008  $50,306 
                                                                 =======  ======= 


SEE ACCOMPANYING NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS.

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 CONSOLIDATED STATEMENTS OF OPERATIONS
FOR THE YEARS ENDED DECEMBER 31, 2010, 2009 AND 2008

 (IN MILLIONS)

                                                                [Download Table]

                                                            2010     2009     2008  
                                                           ------   ------   ------ 
                                                                                    
REVENUES                                                                            
Premiums.................................................. $  357   $  393   $  144 
Universal life and investment-type product policy fees....    991      745      634 
Net investment income.....................................    520      349      253 
Other revenues............................................    302      237      127 
Net investment gains (losses):                                                      
  Other-than-temporary impairments on fixed maturity                                
     securities...........................................     (9)     (18)     (16)
  Other-than-temporary impairments on fixed maturity                                
     securities transferred to other comprehensive income                           
     (loss)...............................................      5        5       -- 
  Other net investment gains (losses).....................     19      (11)     (20)
                                                           ------   ------   ------ 
     Total net investment gains (losses)..................     15      (24)     (36)
Net derivative gains (losses).............................    115     (603)     819 
                                                           ------   ------   ------ 
       Total revenues.....................................  2,300    1,097    1,941 
                                                           ------   ------   ------ 
EXPENSES                                                                            
Policyholder benefits and claims..........................    486      457      384 
Interest credited to policyholder account balances........    413      409      249 
Other expenses............................................  1,024      613      812 
                                                           ------   ------   ------ 
       Total expenses.....................................  1,923    1,479    1,445 
                                                           ------   ------   ------ 
Income (loss) before provision for income tax.............    377     (382)     496 
Provision for income tax expense (benefit)................     85     (185)     149 
                                                           ------   ------   ------ 
Net income (loss)......................................... $  292   $ (197)  $  347 
                                                           ======   ======   ====== 


SEE ACCOMPANYING NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS.

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 CONSOLIDATED STATEMENTS OF STOCKHOLDER'S EQUITY
FOR THE YEARS ENDED DECEMBER 31, 2010, 2009 AND 2008

 (IN MILLIONS)

                                                        [Enlarge/Download Table]

                                                                                  ACCUMULATED OTHER                    
                                                                             COMPREHENSIVE INCOME (LOSS)               
                                                                             ---------------------------               
                                                                                   NET                                 
                                                       ADDITIONAL              UNREALIZED    OTHER-THAN-      TOTAL    
                                    PREFERRED  COMMON    PAID-IN   RETAINED    INVESTMENT     TEMPORARY   STOCKHOLDER'S
                                      STOCK     STOCK    CAPITAL   EARNINGS  GAINS (LOSSES)  IMPAIRMENTS      EQUITY   
                                    ---------  ------  ----------  --------  --------------  -----------  -------------
                                                                                                                       
Balance at January 1, 2008........    $  --      $2      $  960     $  621        $  (8)        $  --         $1,575   
Capital contribution from MetLife                                                                                      
  Insurance Company of                                                                                                 
  Connecticut.....................                          985                                                  985   
Comprehensive income (loss):                                                                                           
  Net income......................                                     347                                       347   
  Other comprehensive income                                                                                           
     (loss):                                                                                                           
     Unrealized gains (losses) on                                                                                      
       derivative instruments, net                                                                                     
       of income tax..............                                                    1                            1   
     Unrealized investment gains                                                                                       
       (losses), net of related                                                                                        
       offsets and income tax.....                                                 (267)                        (267)  
                                                                                                              ------   
     Other comprehensive income                                                                                        
       (loss).....................                                                                              (266)  
                                                                                                              ------   
  Comprehensive income (loss).....                                                                                81   
                                      -----      --      ------     ------        -----         -----         ------   
Balance at December 31, 2008......       --       2       1,945        968         (274)           --          2,641   
Capital contribution from MetLife                                                                                      
  Insurance Company of                                                                                                 
  Connecticut.....................                          575                                                  575   
Comprehensive income (loss):                                                                                           
  Net loss........................                                    (197)                                     (197)  
  Other comprehensive income                                                                                           
     (loss):                                                                                                           
     Unrealized gains (losses) on                                                                                      
       derivative instruments, net                                                                                     
       of income tax..............                                                    1                            1   
     Unrealized investment gains                                                                                       
       (losses), net of related                                                                                        
       offsets and income tax.....                                                  240            (2)           238   
                                                                                                              ------   
     Other comprehensive income                                                                                        
       (loss).....................                                                                               239   
                                                                                                              ------   
  Comprehensive income (loss).....                                                                                42   
                                      -----      --      ------     ------        -----         -----         ------   
Balance at December 31, 2009......       --       2       2,520        771          (33)           (2)         3,258   
Comprehensive income (loss):                                                                                           
  Net income......................                                     292                                       292   
  Other comprehensive income                                                                                           
     (loss):                                                                                                           
     Unrealized gains (losses) on                                                                                      
       derivative instruments, net                                                                                     
       of income tax..............                                                  (47)                         (47)  
     Unrealized investment gains                                                                                       
       (losses), net of related                                                                                        
       offsets and income tax.....                                                  190            (1)           189   
                                                                                                              ------   
     Other comprehensive income                                                                                        
       (loss).....................                                                                               142   
                                                                                                              ------   
  Comprehensive income (loss).....                                                                               434   
                                      -----      --      ------     ------        -----         -----         ------   
Balance at December 31, 2010......    $  --      $2      $2,520     $1,063        $ 110           $(3)        $3,692   
                                      =====      ==      ======     ======        =====         =====         ======   


SEE ACCOMPANYING NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS.

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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)............................................  $   292   $  (197)  $   347 
Adjustments to reconcile net income (loss) to net cash                                     
  provided by (used in) operating activities:                                              
  Depreciation and amortization expenses.....................       23        15        13 
  Amortization of premiums and accretion of discounts                                      
     associated with investments, net........................      (28)      (25)      (10)
  (Gains) losses on investments and derivatives, net.........     (233)      627      (783)
  Undistributed equity earnings of real estate joint ventures                              
     and other limited partnership interests.................      (49)        3        23 
  Interest credited to policyholder account balances.........      413       409       249 
  Universal life and investment-type product policy fees.....     (991)     (745)     (634)
  Change in accrued investment income........................      (21)      (30)       -- 
  Change in premiums, reinsurance and other receivables......   (2,560)   (1,694)   (2,050)
  Change in deferred policy acquisition costs, net...........     (457)     (531)     (208)
  Change in income tax recoverable (payable).................       61       (42)      161 
  Change in other assets.....................................      711       275       250 
  Change in insurance-related liabilities and policy-related                               
     balances................................................      971       753       805 
  Change in other liabilities................................    2,079      (109)    1,140 
  Other, net.................................................       (7)       --         1 
                                                               -------   -------   ------- 
Net cash provided by (used in) operating activities..........      204    (1,291)     (696)
                                                               -------   -------   ------- 
CASH FLOWS FROM INVESTING ACTIVITIES                                                       
Sales, maturities and repayments of:                                                       
  Fixed maturity securities..................................    4,488     2,948     1,899 
  Equity securities..........................................        1         7         3 
  Mortgage loans.............................................       21        31        72 
  Real estate joint ventures.................................       --        --         1 
  Other limited partnership interests........................       46        46        20 
Purchases of:                                                                              
  Fixed maturity securities..................................   (4,983)   (6,059)   (2,313)
  Equity securities..........................................       --        (2)       -- 
  Mortgage loans.............................................     (600)     (259)      (49)
  Real estate joint ventures.................................       (4)       (5)      (16)
  Other limited partnership interests........................     (161)      (75)     (118)
Cash received in connection with freestanding derivatives....        2         5         1 
Cash paid in connection with freestanding derivatives........      (48)       (9)      (23)
Net change in policy loans...................................      (14)       (9)       (2)
Net change in short-term investments.........................      732       837    (1,198)
Net change in other invested assets..........................      (80)      (80)      (50)
                                                               -------   -------   ------- 
Net cash used in investing activities........................     (600)   (2,624)   (1,773)
                                                               -------   -------   ------- 
CASH FLOWS FROM FINANCING ACTIVITIES                                                       
Policyholder account balances:                                                             
  Deposits...................................................    3,219     4,851     3,683 
  Withdrawals................................................   (2,634)   (2,343)   (1,290)
Net change in payables for collateral under securities loaned                              
  and other transactions.....................................     (361)      719       (40)
Long-term debt repaid -- affiliated..........................       --        --      (435)
Capital contribution from MetLife Insurance Company of                                     
  Connecticut................................................       --       575       985 
                                                               -------   -------   ------- 
Net cash provided by financing activities....................      224     3,802     2,903 
                                                               -------   -------   ------- 
Change in cash and cash equivalents..........................     (172)     (113)      434 
Cash and cash equivalents, beginning of year.................      412       525        91 
                                                               -------   -------   ------- 
CASH AND CASH EQUIVALENTS, END OF YEAR.......................  $   240   $   412   $   525 
                                                               =======   =======   ======= 
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:                                         
Net cash paid (received) during the year for:                                              
  Interest...................................................  $    --   $    --   $    20 
                                                               =======   =======   ======= 
  Income tax.................................................  $    20   $  (142)  $   (12)
                                                               =======   =======   ======= 
Non-cash transactions during the year:                                                     
  Long-term debt issued in exchange for certain other                                      
     invested assets.........................................  $    45   $    --   $    -- 
                                                               =======   =======   ======= 


SEE ACCOMPANYING NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS.

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

1.  BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING       
POLICIES                                                                

BUSINESS                                                                    

    MetLife Investors USA Insurance Company ("MLI-USA") and its subsidiary and
affiliate, (the "Company"), a Delaware domiciled life insurance company is a    
wholly-owned subsidiary of MetLife Insurance Company of Connecticut ("MICC").   
MICC is a subsidiary of MetLife, Inc. ("MetLife"). The Company markets,         
administers and insures a broad range of term life and universal and variable   
life insurance policies and variable and fixed annuity contracts.               

BASIS OF PRESENTATION                                                       

    The accompanying consolidated financial statements include the accounts of
MetLife Investors USA Insurance Company and its subsidiary, as well as a        
partnership in which the Company has control. 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 ($603) 
million and $819 million to net derivative gains (losses) in the  
    consolidated statements of operations for the years ended December 31,
2009 and 2008, respectively; and                                  

   - Reclassification from net change in other invested assets of $5 million
and $1 million to cash received in connection with freestanding   
       derivatives and ($9) million and ($23) 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.                   

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.                   

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                         

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 on a        
nonrecurring basis.                                                             

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                                     

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 2
 "-- 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 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,        

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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.                                                   

          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                            

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

            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 United States
           ("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 has invested in certain structured transactions that are
    variable interest entities ("VIEs"). These structured transactions include
asset-backed securitizations, hybrid securities and 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 an annual basis.                

          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 two portfolio
segments: (1) commercial and (2) agricultural.                        

             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 -- 90
       days. When a loan is placed on non-accrual status, uncollected past
         due interest is charged-off against net investment income. Generally,
the accrual                                                 

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

        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. 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 both portfolio segments as the excess
          carrying value of a loan over either (i) the present value of expected
          future cash flows discounted at the loan's original effective interest
rate, (ii) the estimated fair value of the loan's underlying
        collateral if the loan is in the process of foreclosure or otherwise
        collateral dependent, or (iii) the loan's observable market price. A
     common evaluation framework is used for establishing non-specific
    valuation allowances for 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.

               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

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

          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 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.

        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 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 of tax credit
     partnerships, freestanding derivatives with positive estimated fair values,
and leveraged leases.                                                 

        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 also accounted for
  under the equity method or under the effective yield method. The Company
     reports the equity in earnings of tax credit partnerships in net investment
income.                                                               

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

    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.                                                                

     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.          

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      
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.             

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The recognition of income on certain investments (e.g. loan-backed    
securities, including mortgage-backed, ABS and certain structured investment    
transactions) 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 an annual 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, 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). The fluctuations in estimated fair value of derivatives which have not
been designated for hedge accounting can result in significant volatility in net
income.                                                                         

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"); or (ii) a hedge of a forecasted        
transaction or of the variability of cash flows to be received or paid related  
to                                                                              

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

a recognized asset or liability ("cash flow hedge"). 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 statements 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 statements 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 statements 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.                                                    

 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   
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                          

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

(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.                                              

Computer Software                                                           

  Computer software, which is included in other assets, is stated at cost,
less accumulated amortization. Purchased software costs, as well as certain     
internal and external costs incurred to develop internal-use computer software  
during the application development stage, are capitalized. Such costs are       
amortized generally over a four-year period using the straight-line method. The 
cost basis of computer software was $90 million and $66 million at December 31, 
2010 and 2009, respectively. Accumulated amortization of capitalized software   
was $41 million and $25 million at December 31, 2010 and 2009, respectively.    
Related amortization expense was $16 million, $10 million and $9 million for the
years ended December 31, 2010, 2009 and 2008, respectively.                     

Deferred Policy Acquisition Costs ("DAC")                                   

   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. The recovery of DAC is dependent upon  
the future profitability of the related business.                               

DAC on life insurance or investment-type contracts is amortized in    
proportion to gross premiums, or gross profits, depending on the type of        
contract as described below.                                                    

 The Company amortizes DAC related to non-participating and non-dividend
paying traditional contracts (primarily term 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, persistency   
and investment returns at policy issuance,                                      

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 unless the DAC balance is     
deemed to be unrecoverable from future expected profits. Absent a premium       
deficiency, variability in amortization after policy issuance is caused only by 
variability in premium volumes.                                                 

The Company amortizes DAC 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 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 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 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            
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 amortization will increase, resulting in a current
period charge to earnings. The opposite result occurs when the expected future  
gross profits are above the previously estimated expected future gross profits. 
Each period, the Company also reviews the estimated gross profits for each block
of business to determine the recoverability of DAC balances.                    

   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. Returns that are higher than the Company's long-term       
expectation produce higher account balances, which increases the Company's      
future fee expectations and decreases future benefit payment expectations on    
minimum death and living benefit guarantees, resulting in higher expected future
gross profits. The opposite result occurs when returns are lower than the       
Company's long-term expectation. The Company's practice to determine the impact 
of gross profits resulting from returns on separate accounts assumes that long- 
term appreciation in equity markets is not changed by short-term market         
fluctuations, but is only changed when sustained interim deviations are         
expected. The Company monitors these events and only changes the assumption when
its long-term expectation changes.                                              

The Company also periodically reviews other long-term assumptions     
underlying the projections of estimated gross profits. These include investment 
returns, interest crediting rates, mortality, persistency and expenses to       
administer business. Management annually updates assumptions used in the        
calculation of estimated gross profits which may have significantly changed. If 
the update of assumptions causes expected future gross profits to increase, DAC 
amortization will decrease, resulting in a current period increase to earnings. 
The opposite result occurs when the assumption update causes expected future    
gross profits to decrease.                                                      

  Periodically, the Company modifies product benefits, features, rights or
coverages that occur by the exchange of a contract for a new contract, or by    
amendment, endorsement, or rider to a contract, or by election or coverage      
within a contract. If such modification, referred to as an internal replacement,
substantially changes the contract, the associated DAC 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 amortization on the original contract will continue
and any acquisition costs associated with the related modification are expensed.

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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                                            

   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. The VODA     
associated with past acquisitions contributed to the Company by MetLife is      
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 to determine the recoverability of these balances.                 

Liability for Future Policy Benefits and Policyholder Account Balances      

 The Company establishes liabilities for amounts payable under insurance
policies, including traditional life insurance and traditional annuities.       
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, policy lapse, renewal, investment returns, inflation, expenses and   
other contingent events as appropriate to the respective product type. These    
assumptions are established at the time the policy is issued and are intended to
estimate the experience for the period the policy benefits are payable.         
Utilizing these assumptions, liabilities are established on a block of business 
basis.                                                                          

  Future policy benefit liabilities for non-participating traditional 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 used in establishing such liabilities range from 4% to
7%.                                                                             

 Future policy benefit liabilities for 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 4% to
9%.                                                                             

     The Company establishes future policy benefit liabilities for minimum death
and income benefit guarantees relating to certain annuity contracts and         
secondary 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                                

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

   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 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 guarantee 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 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).      

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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's 
debt, including related credit default swaps. These observable spreads are then 
adjusted, as necessary, to reflect the priority of these liabilities and the    
claims paying ability of the issuing insurance subsidiaries compared to MetLife.
Risk margins are established to capture the non-capital market risks of the     
instrument which represent the additional compensation a market participant     
would require to assume the risks related to the uncertainties of such actuarial
assumptions as annuitization, premium persistency, partial withdrawal and       
surrenders. The establishment of risk margins requires the use of significant   
management judgment.                                                            

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 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 cedes the risks associated with certain of the GMIB, GMAB and
GMWB guarantees described in the preceding paragraphs to an affiliated          
reinsurance company. These reinsurance contracts contain embedded derivatives   
which are included in premiums, reinsurance and other receivables with changes  
in estimated fair value reported in net derivative gains (losses). The value of 
these embedded derivatives on the ceded risks is determined using a methodology 
consistent with that described previously for the guarantees directly written by
the Company.                                                                    

   In addition to ceding risks associated with guarantees that are accounted
for as embedded derivatives, the Company also cedes to the same affiliated      
reinsurance company certain directly written GMIB guarantees that are accounted 
for as insurance (i.e. not as embedded derivatives) and the reinsurance contract
contains an embedded derivative. These embedded derivatives are included in     
premiums, reinsurance and other receivables with changes in estimated fair value
reported in net derivative gains (losses). The value of these embedded          
derivatives is determined using a methodology consistent with that described    
previously for the guarantees directly written by the Company.                  

     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 policy account   
values, which consist of an accumulation of gross premium payments and credited 
interest, ranging from 1% to 12%, less expenses, mortality charges and          
withdrawals.                                                                    

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Other Policy-Related Balances                                               

Other policy-related balances include policy and contract claims and  
unearned revenue liabilities.                                                   

    The liability for policy and contract claims generally relates to incurred
but not reported death claims, as well as claims which have been reported but   
not yet settled. The liability for these claims is based on the Company's       
estimated ultimate cost of settling all claims. The Company derives estimates   
for the development 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, similar to DAC. Such     
amortization is recorded in universal life and investment-type product policy   
fees.                                                                           

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.                                        

  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 fees on reinsurance financing agreements and   
advisory fees. Such fees are recognized in the period in which services are     
performed.                                                                      

Income Taxes                                                                

  The Company joins with MICC 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 Company participates in a tax sharing agreement with MICC.
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) MICC 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.        

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The Company's accounting for income taxes represents management's best
estimate of various events and transactions.                                    

  Deferred tax assets and liabilities resulting from temporary differences
between the financial reporting and tax bases of assets and liabilities are     
measured at the balance sheet date using enacted tax rates expected to apply to 
taxable income in the years the temporary differences are expected to reverse.  

The realization of deferred tax assets depends upon the existence of  
sufficient taxable income within the carryback or carryforward periods under the
tax law in the applicable tax jurisdiction. Valuation allowances are established
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;                                                

(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 9) 
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 life 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.                                                                  

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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.                                                                    

  The assumptions used to account for long-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.                                             

Foreign Currency                                                            

The results of foreign operations, if any, are recorded based on the  
functional currency of each entity. The determination of the functional currency
is made based on appropriate economic and management indicators. The local      
currencies of foreign operations are the functional currencies. Assets and      
liabilities 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.                                                                          

Litigation Contingencies                                                    

The Company is a party to legal actions and is involved in regulatory 
investigations. 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. Given the inherent unpredictability
of these matters, it is difficult to estimate the impact on the Company's       
financial position. Liabilities                                                 

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

are established when it is probable that a loss has been incurred and the amount
of the loss can be reasonably estimated. Although it is possible that an adverse
outcome in certain matters 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 outcome of such pending investigations
and legal proceedings are not likely to have such an effect. However, 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, from time to time, have a material     
adverse effect upon the Company's consolidated net income or cash flows in      
particular 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 are comprised of actively traded  
mutual funds. 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.                              

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. The adoption of this guidance did  
not have an impact on the Company's consolidated financial statements.          

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 qualified special      
purpose entity ("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               

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 guidance requires a quarterly        
reassessment, as well as enhanced disclosures, including the effects of a       
company's involvement with VIEs on its 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.                   

     The Company had no net cumulative effect adjustment related to the adoption
of the OTTI guidance.                                                           

 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 $5 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.                           

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                                

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  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.                                                        

    - 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. As the Company did not have 
a minority interest, the adoption of this guidance, which required retrospective
application of presentation requirements of noncontrolling interest, did not    
have an impact on the Company's consolidated financial statements.              

  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                   

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 $63 million ($41 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 result  
in significant volatility in the Company's consolidated net income in future    
periods. The Company provided all of the material disclosures in Note 4.        

    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                      

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

      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 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).  

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 April 2011, the Financial Accounting Standards Board ("FASB") issued new
guidance regarding accounting for troubled debt restructuring (Accounting       
Standards Update ("ASU") 2011-02, Receivables (Topic 310): A Creditor's         
Determination of Whether a Restructuring Is a Troubled Debt Restructuring),     
effective for the first annual period beginning on or after June 15, 2011 and   
should be applied retrospectively to the beginning of the annual period of      
adoption. This guidance clarifies whether a creditor has granted a concession   
and whether a debtor is experiencing financial difficulties for the purpose of  
determining when a restructuring constitutes a troubled debt restructuring. The 
Company is currently evaluating the impact of this guidance on its consolidated 
financial statements.                                                           

   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 (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                                                             

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

and does not expect the adoption of this guidance to have a material impact on  
the Company's 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-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.  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............    $3,186    $220      $ 34     $  --     $3,372     38.9%
Foreign corporate securities.........     1,394     103         7        --      1,490     17.1 
U.S. Treasury and agency securities..     1,153      18        28        --      1,143     13.2 
RMBS.................................       956      52        18         6        984     11.3 
State and political subdivision                                                                 
  securities.........................       643      10        23        --        630      7.3 
CMBS.................................       490      26         3        --        513      5.9 
ABS..................................       409      13        13        --        409      4.7 
Foreign government securities........       119      16        --        --        135      1.6 
                                         ------    ----      ----     -----     ------    ----- 
  Total fixed maturity securities (1)                                                           
     (2).............................    $8,350    $458      $126       $ 6     $8,676    100.0%
                                         ======    ====      ====     =====     ======    ===== 
EQUITY SECURITIES:                                                                              
Common stock.........................    $    1    $  1      $ --     $  --     $    2     66.7%
Non-redeemable preferred stock (1)...         2      --         1        --          1     33.3 
                                         ------    ----      ----     -----     ------    ----- 
  Total equity securities (3)........    $    3    $  1      $  1     $  --     $    3    100.0%
                                         ======    ====      ====     =====     ======    ===== 


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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [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............    $2,893    $112      $ 60     $  --     $2,945     37.8%
Foreign corporate securities.........       943      42        18        --        967     12.4 
U.S. Treasury and agency securities..       919       5        65        --        859     11.0 
RMBS.................................     1,379      34        44         3      1,366     17.5 
State and political subdivision                                                                 
  securities.........................       358       5        12        --        351      4.5 
CMBS.................................       738       5        31        --        712      9.1 
ABS..................................       525      11        26         1        509      6.5 
Foreign government securities........        87       9        --        --         96      1.2 
                                         ------    ----      ----     -----     ------    ----- 
  Total fixed maturity securities (1)                                                           
     (2).............................    $7,842    $223      $256       $ 4     $7,805    100.0%
                                         ======    ====      ====     =====     ======    ===== 
EQUITY SECURITIES:                                                                              
Common stock.........................    $    2    $ --      $ --     $  --     $    2     66.7%
Non-redeemable preferred stock (1)...         2      --         1        --          1     33.3 
                                         ------    ----      ----     -----     ------    ----- 
  Total equity securities (3)........    $    4    $ --      $  1     $  --     $    3    100.0%
                                         ======    ====      ====     =====     ======    ===== 


--------                                                                        

 (1) 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                 $ 1         $ 1   
Fixed maturity            Foreign corporate      Non-U.S. financial                             
  securities              securities             institutions                 $31         $32   

--------                                                                        

   (2) 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 $60 million and $43 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.              

(3) Equity securities primarily consist of investments in common and      
 preferred stocks, including certain perpetual hybrid securities and
      mutual fund interests. Privately-held equity securities represented less
   than $1 million at estimated fair value at both December 31, 2010 and
2009.                                                             

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     The Company held foreign currency derivatives with notional amounts of $117
million and $55 million 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. Non-agency RMBS, including RMBS  
backed by sub-prime mortgage loans reported within ABS, CMBS and all other ABS  
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 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............................................ $686        $413 
  Net unrealized gain (loss)...................................... $ 10        $(32)
Non-income producing fixed maturity securities:                                     
  Estimated fair value............................................ $ --        $  4 
  Net unrealized gain (loss)...................................... $ --        $ (1)

    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 stockholder's equity, other than
securities of the U.S. government and certain U.S. government agencies. The     
Company's holdings in U.S. Treasury and agency fixed maturity securities at     
estimated fair value were $1,143 million and $859 million 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  

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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)..   $1,490     30.6%    $  967     24.7%
U.S. corporate fixed maturity securities -- by                                            
  industry:                                                                               
  Consumer.........................................      914     18.8        787     20.1 
  Industrial.......................................      888     18.3        761     19.5 
  Utility..........................................      829     17.0        696     17.8 
  Finance..........................................      319      6.6        345      8.8 
  Communications...................................      311      6.4        290      7.4 
  Other............................................      111      2.3         66      1.7 
                                                      ------    -----     ------    ----- 
     Total.........................................   $4,862    100.0%    $3,912    100.0%
                                                      ======    =====     ======    ===== 


--------                                                                        

   (1) Includes U.S. dollar-denominated debt obligations of foreign obligors and
other foreign fixed maturity securities.                          

                                                        [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........    $ 60         0.6%         $ 55         0.6%   
  Holdings in ten issuers with the largest                                                     
     exposures...............................    $444         4.1%         $415         4.3%   

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

 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..............    $643      65.3%    $  657     48.1%
  Pass-through securities..........................     341      34.7        709     51.9 
                                                       ----     -----     ------    ----- 
     Total RMBS....................................    $984     100.0%    $1,366    100.0%
                                                       ====     =====     ======    ===== 
By risk profile:                                                                          
  Agency...........................................    $788      80.1%    $1,172     85.8%
  Prime............................................     115      11.7        113      8.3 
  Alternative residential mortgage loans...........      81       8.2         81      5.9 
                                                       ----     -----     ------    ----- 
     Total RMBS....................................    $984     100.0%    $1,366    100.0%
                                                       ====     =====     ======    ===== 
Portion rated Aaa/AAA..............................    $811      82.4%    $1,191     87.2%
                                                       ====     =====     ======    ===== 
Portion rated NAIC 1...............................    $841      85.5%    $1,277     93.5%
                                                       ====     =====     ======    ===== 


    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.                                   

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:                                                                             
2005 & Prior.......................................    $35       43.2%     $40       49.4%
2006...............................................     21       25.9       15       18.5 
2007...............................................     25       30.9       26       32.1 
2008 to 2010.......................................     --         --       --         -- 
                                                       ---      -----      ---      ----- 
  Total............................................    $81      100.0%     $81      100.0%
                                                       ===      =====      ===      ===== 


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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                                DECEMBER 31,          
                                                      ------------------------------- 
                                                           2010             2009      
                                                      --------------   -------------- 
                                                                % OF             % OF 
                                                      AMOUNT   TOTAL   AMOUNT   TOTAL 
                                                      ------   -----   ------   ----- 
                                                               (IN MILLIONS)          
                                                                                      
Net unrealized gain (loss)...........................   $(9)            $(18)         
Rated Aa/AA or better................................             --%             4.5%
Rated NAIC 1.........................................            3.9%             9.3%
Distribution of holdings -- at estimated fair                                         
  value -- by collateral type:                                                        
  Fixed rate mortgage loans collateral...............          100.0%           100.0%
  Hybrid adjustable rate mortgage loans collateral...             --               -- 
                                                               -----            ----- 
     Total Alt-A RMBS................................          100.0%           100.0%
                                                               =====            ===== 


 Concentrations of Credit Risk (Fixed Maturity Securities) -- CMBS.  The
Company's holdings in CMBS were $513 million and $712 million 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 $5 million 
and less than $1 million at estimated fair value at December 31, 2010 and 2009, 
respectively.                                                                   

     The following tables present the Company's holdings of CMBS by vintage year
and certain other selected data at:                                             

                                                        [Enlarge/Download Table]

                                                                 DECEMBER 31,             
                                                    ------------------------------------- 
                                                           2010                2009       
                                                    -----------------   ----------------- 
                                                    ESTIMATED           ESTIMATED         
                                                       FAIR      % OF      FAIR      % OF 
                                                      VALUE     TOTAL     VALUE     TOTAL 
                                                    ---------   -----   ---------   ----- 
                                                                (IN MILLIONS)             
                                                                                          
VINTAGE YEAR:                                                                             
2003 & Prior.......................................    $234      45.6%     $370      52.0%
2004...............................................      65      12.7        95      13.4 
2005...............................................     170      33.1       200      28.0 
2006...............................................      44       8.6        47       6.6 
2007 to 2010.......................................      --        --        --        -- 
                                                       ----     -----      ----     ----- 
  Total............................................    $513     100.0%     $712     100.0%
                                                       ====     =====      ====     ===== 


                                                        [Enlarge/Download Table]

                                                                 DECEMBER 31,         
                                                       -------------------------------
                                                            2010             2009     
                                                       --------------   --------------
                                                                 % OF             % OF
                                                       AMOUNT   TOTAL   AMOUNT   TOTAL
                                                       ------   -----   ------   -----
                                                                (IN MILLIONS)         
                                                                                      
Net unrealized gain (loss)............................   $23             $(26)        
Rated Aaa/AAA.........................................            92%              91%
Rated NAIC 1..........................................            97%              98%

The portion rated Aaa/AAA at December 31, 2010 reflects rating agency 
designations assigned by nationally recognized rating agencies including        
Moody's, S&P, Fitch and Realpoint, LLC. The portion rated Aaa/AAA at            

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

December 31, 2009 reflects rating agency designations assigned by nationally    
recognized rating agencies including Moody's, S&P and Fitch.                    

Concentrations of Credit Risk (Fixed Maturity Securities) -- ABS.  The
Company's holdings in ABS were $409 million and $509 million at estimated fair  
value at December 31, 2010 and 2009, respectively. The Company's ABS are        
diversified both by collateral type and by issuer.                              

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................................    $181      44.2%     $251      49.3%
  Student loans....................................      38       9.3        52      10.2 
  Automobile loans.................................      29       7.1        60      11.8 
  RMBS backed by sub-prime mortgage loans..........      26       6.4        21       4.1 
  Other loans......................................     135      33.0       125      24.6 
                                                       ----     -----      ----     ----- 
     Total.........................................    $409     100.0%     $509     100.0%
                                                       ====     =====      ====     ===== 
Portion rated Aaa/AAA..............................    $345      84.4%     $458      90.0%
                                                       ====     =====      ====     ===== 
Portion rated NAIC 1...............................    $391      95.6%     $499      98.0%
                                                       ====     =====      ====     ===== 


 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 stockholder'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........................   $  128      $  132      $  149      $  151 
Due after one year through five years..........    1,095       1,145         740         775 
Due after five years through ten years.........    2,264       2,432       1,965       2,006 
Due after ten years............................    3,008       3,061       2,346       2,286 
                                                  ------      ------      ------      ------ 
  Subtotal.....................................    6,495       6,770       5,200       5,218 
RMBS, CMBS and ABS.............................    1,855       1,906       2,642       2,587 
                                                  ------      ------      ------      ------ 
  Total fixed maturity securities..............   $8,350      $8,676      $7,842      $7,805 
                                                  ======      ======      ======      ====== 


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 

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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.................................  $331      $(33)     $(372)
Fixed maturity securities with noncredit OTTI losses in                               
  accumulated other comprehensive income (loss)...........    (6)       (4)        -- 
                                                            ----      ----      ----- 
  Total fixed maturity securities.........................   325       (37)      (372)
Equity securities.........................................    --        (1)        (4)
Derivatives...............................................   (73)       --          1 
Short-term investments....................................    --        (9)      (100)
                                                            ----      ----      ----- 
     Subtotal.............................................   252       (47)      (475)
                                                            ----      ----      ----- 
Amounts allocated from:                                                               
  Insurance liability loss recognition....................   (34)       --         -- 
  DAC related to noncredit OTTI losses recognized in                                  
     accumulated other comprehensive income (loss)........     1        --         -- 
  DAC.....................................................   (53)       (6)        53 
                                                            ----      ----      ----- 
     Subtotal.............................................   (86)       (6)        53 
Deferred income tax benefit (expense) related to noncredit                            
  OTTI losses recognized in accumulated other                                         
  comprehensive income (loss).............................     2         2         -- 
Deferred income tax benefit (expense).....................   (61)       16        148 
                                                            ----      ----      ----- 
     Net unrealized investment gains (losses).............  $107      $(35)     $(274)
                                                            ====      ====      ===== 


   Fixed maturity securities with noncredit OTTI losses in accumulated other
comprehensive income (loss), as presented above of ($6) million at December 31, 
2010, includes ($4) million recognized prior to January 1, 2010, ($5) million   
(($4) million, net of DAC) of noncredit OTTI losses recognized in the year ended
December 31, 2010 and $3 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).                                                                         

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

   Fixed maturity securities with noncredit OTTI losses in accumulated other
comprehensive income (loss), as presented above of ($4) million at December 31, 
2009, includes ($5) million of noncredit OTTI losses recognized in the year     
ended December 31, 2009 and $1 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).                                                                  

  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................................  $(35)     $(274)     $  (8)
Fixed maturity securities on which noncredit OTTI losses                                 
  have been recognized......................................    (2)        (4)        -- 
Unrealized investment gains (losses) during the year........   301        432       (477)
Unrealized investment gains (losses) relating to:                                        
Insurance liability gain (loss) recognition.................   (34)        --         -- 
DAC related to noncredit OTTI losses recognized in                                       
  accumulated other comprehensive income (loss).............     1         --         -- 
  DAC.......................................................   (47)       (59)        68 
  Deferred income tax benefit (expense) related to noncredit                             
     OTTI losses recognized in accumulated other                                         
     comprehensive income (loss)............................    --          2         -- 
  Deferred income tax benefit (expense).....................   (77)      (132)       143 
                                                              ----      -----      ----- 
Balance, end of period......................................  $107      $ (35)     $(274)
                                                              ====      =====      ===== 
Change in net unrealized investment gains (losses)..........  $142      $ 239      $(266)
                                                              ====      =====      ===== 


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 time that the                    

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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..........   $  275         $ 9        $164         $25        $  439       $ 34   
Foreign corporate securities.......      111           2          45           5           156          7   
U.S. Treasury and agency                                                                                    
  securities.......................      462          18          52          10           514         28   
RMBS...............................       87           2         142          22           229         24   
State and political subdivision                                                                             
  securities.......................      350          15          17           8           367         23   
CMBS...............................       24          --          27           3            51          3   
ABS................................        6          --          65          13            71         13   
Foreign government securities......        9          --          --          --             9         --   
                                      ------       -----        ----         ---        ------       ----   
  Total fixed maturity securities..   $1,324         $46        $512         $86        $1,836       $132   
                                      ======       =====        ====         ===        ======       ====   
EQUITY SECURITIES:                                                                                          
Non-redeemable preferred stock.....   $   --       $  --        $  1         $ 1        $    1       $  1   
                                      ------       -----        ----         ---        ------       ----   
  Total equity securities..........   $   --       $  --        $  1         $ 1        $    1       $  1   
                                      ======       =====        ====         ===        ======       ====   
Total number of securities in an                                                                            
  unrealized loss position.........      167                     127                                        
                                      ======                    ====                                        


                                                        [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..........   $  563        $11         $375        $ 49        $  938       $ 60   
Foreign corporate securities.......      185          7           68          11           253         18   
U.S. Treasury and agency                                                                                    
  securities.......................      717         65           --          --           717         65   
RMBS...............................      389          7          189          40           578         47   
State and political subdivision                                                                             
  securities.......................      181          6           18           6           199         12   
CMBS...............................      156          1          231          30           387         31   
ABS................................       31          1          117          26           148         27   
Foreign government securities......        4         --           --          --             4         --   
                                      ------        ---         ----        ----        ------       ----   
  Total fixed maturity securities..   $2,226        $98         $998        $162        $3,224       $260   
                                      ======        ===         ====        ====        ======       ====   
EQUITY SECURITIES:                                                                                          
Non-redeemable preferred stock.....   $    1        $ 1         $ --        $ --        $    1       $  1   
                                      ------        ---         ----        ----        ------       ----   
  Total equity securities..........   $    1        $ 1         $ --        $ --        $    1       $  1   
                                      ======        ===         ====        ====        ======       ====   
Total number of securities in an                                                                            
  unrealized loss position.........      212                     246                                        
                                      ======                    ====                                        


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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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...............    $1,364        $ 42        $45          $10      164         7  
Six months or greater but less than                                                                   
  nine months......................        --          14         --            3       --         3  
Nine months or greater but less                                                                       
  than twelve months...............         4           3         --            1        2         1  
Twelve months or greater...........       461          80         50           23       92        24  
                                       ------        ----      -----        -----                     
  Total............................    $1,829        $139        $95          $37                     
                                       ======        ====      =====        =====                     
Percentage of amortized cost.......                                5%          27%                    
                                                               =====        =====                     
EQUITY SECURITIES:                                                                                    
Less than six months...............    $   --        $ --      $  --        $  --       --        --  
Six months or greater but less than                                                                   
  nine months......................        --          --         --           --       --        --  
Nine months or greater but less                                                                       
  than twelve months...............        --          --         --           --       --        --  
Twelve months or greater...........        --           2         --            1       --         1  
                                       ------        ----      -----        -----                     
  Total............................    $   --        $  2      $  --          $ 1                     
                                       ======        ====      =====        =====                     
Percentage of cost.................                               --%          50%                    
                                                               =====        =====                     


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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

                                                        [Enlarge/Download Table]

                                                             DECEMBER 31, 2009                          
                                   ---------------------------------------------------------------------
                                     COST OR AMORTIZED         GROSS UNREALIZED                         
                                            COST                     LOSS           NUMBER OF 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..............   $1,830        $ 94         $ 51        $ 20       196          10  
Six months or greater but less                                                                          
  than nine months................      327          18           25           4         9           2  
Nine months or greater but less                                                                         
  than twelve months..............      101          30            8           9         6           9  
Twelve months or greater..........      822         262           57          86       177          51  
                                     ------        ----         ----        ----                        
  Total...........................   $3,080        $404         $141        $119                        
                                     ======        ====         ====        ====                        
Percentage of amortized cost......                                 5%         29%                       
                                                                ====        ====                        
EQUITY SECURITIES:                                                                                      
Less than six months..............   $   --        $ --         $ --        $ --        --          --  
Six months or greater but less                                                                          
  than nine months................       --          --           --          --        --          --  
Nine months or greater but less                                                                         
  than twelve months..............       --           2           --           1        --           1  
Twelve months or greater..........       --          --           --          --        --          --  
                                     ------        ----         ----        ----                        
  Total...........................   $   --        $  2         $ --        $  1                        
                                     ======        ====         ====        ====                        
Percentage of cost................                                --%         50%                       
                                                                ====        ====                        


  Equity securities with a gross unrealized loss of 20% or more for twelve
months or greater increased from $0 at December 31, 2009 to $1 million at       
December 31, 2010. As shown in the section ''-- Evaluating Temporarily Impaired 
Available-for-Sale Securities" below, all $1 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 rated A or better.                                              

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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 $133  
million and $261 million 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%     23%
  U.S. Treasury and agency securities..............................   21      25 
  RMBS.............................................................   18      18 
  State and political subdivision securities.......................   17       4 
  ABS..............................................................   10      10 
  Foreign corporate securities.....................................    6       7 
  CMBS.............................................................    2      12 
  Other............................................................   --       1 
                                                                     ---     --- 
     Total.........................................................  100%    100%
                                                                     ===     === 
INDUSTRY:                                                                        
  U.S. Treasury and agency securities..............................   21%     25%
  Mortgage-backed..................................................   20      30 
  State and political subdivision securities.......................   17       4 
  Finance..........................................................   17      16 
  Asset-backed.....................................................   10      10 
  Consumer.........................................................    3       3 
  Utility..........................................................    2       2 
  Industrial.......................................................    1       1 
  Communications...................................................    1       1 
  Other............................................................    8       8 
                                                                     ---     --- 
     Total.........................................................  100%    100%
                                                                     ===     === 


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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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......................         --             --             2              --  
Total gross unrealized loss...............      $  --          $  --           $27           $  --  
Percentage of total gross unrealized                                                                
  loss....................................         --%            --%           10%             --% 

 Fixed maturity and equity securities, each with a gross unrealized loss
greater than $10 million, decreased $27 million 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                                 INVESTMENT GRADE                        
                          ALL EQUITY       NON-REDEEMABLE       -----------------------------------------------------------------
                          SECURITIES      PREFERRED STOCK              ALL INDUSTRIES              FINANCIAL SERVICES INDUSTRY   
                          ----------  -----------------------   ----------------------------   ----------------------------------
                             GROSS       GROSS      % OF ALL       GROSS         % OF ALL         GROSS                     % A  
                          UNREALIZED  UNREALIZED     EQUITY     UNREALIZED    NON-REDEEMABLE   UNREALIZED    % OF ALL    RATED OR
                             LOSS        LOSS      SECURITIES      LOSS      PREFERRED STOCK      LOSS      INDUSTRIES    BETTER 
                          ----------  ----------   ----------   ----------   ---------------   ----------   ----------   --------
                                                                       (IN MILLIONS)                                             
                                                                                                                                 
Less than six months....      $           $             --%         $               --%            $             --%         --% 
Six months or greater                                                                                                            
  but less than twelve                                                                                                           
  months................       --          --           --%          --             --%             --           --%         --% 
Twelve months or                                                                                                                 
  greater...............        1           1          100%           1            100%              1          100%        100% 
                              ---         ---                       ---                            ---                           
All equity securities                                                                                                            
  with a gross                                                                                                                   
  unrealized loss of 20%                                                                                                         
  or more...............      $ 1         $ 1          100%         $ 1            100%            $ 1          100%        100% 
                              ===         ===                       ===                            ===                           


 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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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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 periods.                                                   

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...............................  $(9)     $(18)     $(16)
Less: Noncredit portion of OTTI losses transferred to and                            
  recognized in other comprehensive income (loss)..........    5         5        -- 
                                                             ---      ----      ---- 
  Net OTTI losses on fixed maturity securities recognized                            
     in earnings...........................................   (4)      (13)      (16)
  Fixed maturity securities -- net gains (losses) on sales                           
     and disposals.........................................   30         9       (14)
                                                             ---      ----      ---- 
     Total gains (losses) on fixed maturity securities.....   26        (4)      (30)
                                                             ---      ----      ---- 
Other net investment gains (losses):                                                 
  Equity securities........................................   --        (2)       -- 
  Mortgage loans...........................................   (9)        1        (5)
  Real estate joint ventures...............................   (1)       (2)       -- 
  Other limited partnership interests......................   (1)      (17)       -- 
  Other gains (losses).....................................   --        --        (1)
                                                             ---      ----      ---- 
       Total net investment gains (losses).................  $15      $(24)     $(36)
                                                             ===      ====      ==== 


     See "-- Related Party Investment Transactions" for discussion of affiliated
net investment gains (losses) related to transfers of invested assets to        
affiliates.                                                                     

Gains (losses) from foreign currency transactions included within net 
investment gains (losses) were less than $1 million for the years ended December
31, 2010, 2009 and 2008, respectively.                                          

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  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 31,    YEARS ENDED DECEMBER 31,   YEARS ENDED DECEMBER 31,  
                                 ------------------------   -------------------------  -------------------------- 
                                  2010     2009     2008     2010      2009      2008   2010      2009      2008  
                                 ------   ------   ------   -----     -----     -----  ------    ------    ------ 
                                      FIXED MATURITY            EQUITY SECURITIES                 TOTAL           
                                        SECURITIES          -------------------------  -------------------------- 
                                 ------------------------                                                         
                                                                   (IN MILLIONS)                                  
                                                                                                                  
Proceeds.......................  $3,329   $2,476   $1,202     $ 3       $ 7     $  --  $3,332    $2,483    $1,202 
                                 ======   ======   ======   =====     =====     =====  ======    ======    ====== 
Gross investment gains.........  $   52   $   25   $   15   $  --     $  --     $  --  $   52    $   25    $   15 
                                 ------   ------   ------   -----     -----     -----  ------    ------    ------ 
Gross investment losses........     (22)     (16)     (29)     --        (2)       --     (22)      (18)      (29)
                                 ------   ------   ------   -----     -----     -----  ------    ------    ------ 
Total OTTI losses recognized in                                                                                   
  earnings:                                                                                                       
  Credit-related...............      (4)     (12)     (15)     --        --        --      (4)      (12)      (15)
  Other (1)....................      --       (1)      (1)     --        --        --      --        (1)       (1)
                                 ------   ------   ------   -----     -----     -----  ------    ------    ------ 
     Total OTTI losses                                                                                            
       recognized in earnings..      (4)     (13)     (16)     --        --        --      (4)      (13)      (16)
                                 ------   ------   ------   -----     -----     -----  ------    ------    ------ 
Net investment gains (losses)..  $   26   $   (4)  $  (30)  $  --       $(2)    $  --  $   26    $   (6)   $  (30)
                                 ======   ======   ======   =====     =====     =====  ======    ======    ====== 


--------                                                                        

(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:                               
  Utility................................................  $ 1      $  --      $  --
  Finance................................................   --         10         13
  Consumer...............................................   --          1         --
  Communications.........................................   --          1          1
  Other industries.......................................   --         --          2
                                                           ---      -----      -----
     Total U.S. and foreign corporate securities.........    1         12         16
RMBS.....................................................    2          1         --
CMBS.....................................................    1         --         --
                                                           ---      -----      -----
     Total...............................................  $ 4        $13        $16
                                                           ===      =====      =====


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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  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 December 31, 2010 and 2009, respectively, 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,.....................................   $ 1      $  --
Credit loss component of OTTI loss not reclassified to                      
  other comprehensive income (loss) in the cumulative                       
  effect transition adjustment.............................    --         --
Additions:                                                                  
  Initial impairments -- credit loss OTTI recognized on                     
     securities not previously impaired....................     1          1
  Additional impairments -- credit loss OTTI recognized on                  
     securities previously impaired........................    --         --
Reductions:                                                                 
  Due to sales (maturities, pay downs or prepayments)                       
     during the period of securities previously credit loss                 
     OTTI impaired.........................................    --         --
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.........................................    --         --
                                                              ---      -----
Balance, at December 31,...................................   $ 1        $ 1
                                                              ===      =====


NET INVESTMENT INCOME                                                       

The components of net investment income were as follows:              

                                                        [Enlarge/Download Table]

                                                             YEARS ENDED DECEMBER 31, 
                                                             ------------------------ 
                                                             2010      2009      2008 
                                                             ----      ----      ---- 
                                                                   (IN MILLIONS)      
                                                                                      
Investment income:                                                                    
Fixed maturity securities................................... $430      $332      $268 
Equity securities...........................................   --        --         1 
Mortgage loans..............................................   53        25        23 
Policy loans................................................    4         3         2 
Real estate joint ventures..................................   (2)       (3)       -- 
Other limited partnership interests.........................   52        --       (23)
Cash, cash equivalents and short-term investments...........   (2)        3         9 
                                                             ----      ----      ---- 
  Subtotal..................................................  535       360       280 
Less: Investment expenses...................................   15        11        27 
                                                             ----      ----      ---- 
  Net investment income..................................... $520      $349      $253 
                                                             ====      ====      ==== 


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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Affiliated investment expenses, included in the table above, were $8  
million, $4 million and $2 million for the years ended December 31, 2010, 2009  
and 2008, respectively. See "-- Related Party Investment Transactions" for      
discussion of affiliated net investment income 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 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................................................ $1,157   $1,580
  Estimated fair value.......................................... $1,175   $1,533
Aging of cash collateral liability:                                             
  Open(1)....................................................... $  185   $   29
  Less than thirty days.........................................    504    1,044
  Thirty days or greater but less than sixty days...............     78      293
  Sixty days or greater but less than ninety days...............    205       --
  Ninety days or greater........................................    220      214
                                                                 ------   ------
     Total cash collateral liability............................ $1,192   $1,580
                                                                 ======   ======
Reinvestment portfolio -- estimated fair value.................. $1,180   $1,538
                                                                 ======   ======


--------                                                                        

   (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 $181 million, of which $120 million 
were U.S. Treasury and agency 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 and agency securities, and very 
liquid RMBS. The reinvestment portfolio acquired with the cash collateral       
consisted principally of fixed maturity securities (including U.S. corporate,   
U.S. Treasury and agency, ABS, RMBS and CMBS).                                  

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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 fixed maturity securities.                          

                                                                [Download Table]

                                                                      DECEMBER 31, 
                                                                    ---------------
                                                                    2010       2009
                                                                    ----       ----
                                                                     (IN MILLIONS) 
                                                                                   
Invested assets on deposit:                                                        
  Regulatory agencies(1)...........................................  $ 6        $ 6
Invested assets pledged as collateral:                                             
  Derivative transactions(2).......................................   43          5
                                                                     ---        ---
     Total invested assets on deposit and pledged as collateral....  $49        $11
                                                                     ===        ===


--------                                                                        

(1) The Company has investment assets on deposit with regulatory agencies 
consisting primarily of fixed maturity securities.                

(2) Certain of the Company's invested assets are pledged as collateral for
various derivative transactions as described in Note 3.           

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.                                                     

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.........................  $1,002     85.3%    $465      76.9%
  Agricultural mortgage loans.......................     185     15.7      143      23.6 
                                                      ------    -----     ----     ----- 
     Subtotal.......................................   1,187    101.0      608     100.5 
  Valuation allowances..............................     (12)    (1.0)      (3)     (0.5)
                                                      ------    -----     ----     ----- 
     Total mortgage loans, net......................  $1,175    100.0%    $605     100.0%
                                                      ======    =====     ====     ===== 


     See "-- Related Party Investment Transactions" for discussion of affiliated
loans included in the table above. The carrying value of such loans was $119    
million and $120 million at December 31, 2010 and 2009, respectively.           

   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 U.S. The carrying value of
the Company's commercial and agricultural mortgage loans located in California, 
New York and Illinois were 22%, 20% 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.            

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

    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
                                            ------   ----   ----   ----   ------   ----
                                              COMMERCIAL      AGRICUL-        TOTAL    
                                            -------------      TURAL      -------------
                                                            -----------                
                                                           (IN MILLIONS)               
                                                                                       
Mortgage loans:                                                                        
  Evaluated individually for credit                                                    
     losses................................ $   --   $ --   $ --   $ --   $   --   $ --
  Evaluated collectively for credit                                                    
     losses................................  1,002    465    185    143    1,187    608
                                            ------   ----   ----   ----   ------   ----
     Total mortgage loans..................  1,002    465    185    143    1,187    608
                                            ------   ----   ----   ----   ------   ----
Valuation allowances:                                                                  
  Specific credit losses...................     --     --     --     --       --     --
  Non-specifically identified credit                                                   
     losses................................     12      3     --     --       12      3
                                            ------   ----   ----   ----   ------   ----
     Total valuation allowances............     12      3     --     --       12      3
                                            ------   ----   ----   ----   ------   ----
     Mortgage loans, net of valuation                                                  
       allowance........................... $  990   $462   $185   $143   $1,175   $605
                                            ======   ====   ====   ====   ======   ====


 The following tables present the changes in the valuation allowance, by
portfolio segment:                                                              

                                                        [Enlarge/Download Table]

                                                             MORTGAGE LOAN VALUATION     
                                                                    ALLOWANCES           
                                                        ---------------------------------
                                                        COMMERCIAL   AGRICULTURAL   TOTAL
                                                        ----------   ------------   -----
                                                                  (IN MILLIONS)          
                                                                                         
Balance at January 1, 2008.............................     $ 2          $  --       $ 2 
  Provision (release)..................................       5             --         5 
  Charge-offs, net of recoveries.......................      (3)            --        (3)
                                                            ---          -----       --- 
Balance at December 31, 2008...........................       4             --         4 
  Provision (release)..................................       2             --         2 
  Charge-offs, net of recoveries.......................      (3)            --        (3)
                                                            ---          -----       --- 
Balance at December 31, 2009...........................       3             --         3 
  Provision (release)..................................       9             --         9 
  Charge-offs, net of recoveries.......................      --             --        -- 
                                                            ---          -----       --- 
Balance at December 31, 2010...........................     $12          $  --       $12 
                                                            ===          =====       === 


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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  Commercial Mortgage Loans -- by Credit Quality Indicators with Estimated
Fair Value: Presented below for the 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%.............   $722        $  --         $30     $  752       75.0%      $  797         75.5% 
65% to 75%................    142           10          25        177       17.7          186         17.6  
76% to 80%................     14           --          --         14        1.4           15          1.4  
Greater than 80%..........     32           27          --         59        5.9           58          5.5  
                             ----        -----         ---     ------      -----       ------        -----  
  Total...................   $910          $37         $55     $1,002      100.0%      $1,056        100.0% 
                             ====        =====         ===     ======      =====       ======        =====  


  Agricultural Mortgage Loans -- by Credit Quality Indicator: The recorded
investment in agricultural mortgage loans, prior to valuation allowances, by    
credit quality indicator, was at:                                               

                                                        [Enlarge/Download Table]

                                                                 DECEMBER 31, 2010       
                                                         --------------------------------
                                                            AGRICULTURAL MORTGAGE LOANS  
                                                         --------------------------------
                                                         RECORDED INVESTMENT   % OF TOTAL
                                                         -------------------   ----------
                                                                   (IN MILLIONS)         
                                                                                         
Loan-to-value ratios:                                                                    
Less than 65%...........................................         $185             100.0% 
                                                                 ----             -----  
  Total.................................................         $185             100.0% 
                                                                 ====             =====  


  Past Due, Accrual Status and Impaired Mortgage Loans.  The Company has a
high quality, well performing mortgage loan portfolio with 100% of all mortgage 
loans classified as performing at December 31, 2010. The Company had no impaired
mortgage loans, no loans 90 days or more past due, no loans in non-accrual      
status and no loans in foreclosure at both December 31, 2010 and 2009. The      
Company's average investment in impaired mortgage loans was $9 million for the  
year ended December 31, 2008. The Company did not recognize interest income on  
impaired mortgage loans during the years ended December 31, 2010, 2009 and 2008.

REAL ESTATE JOINT VENTURES                                                  

Real estate joint ventures were categorized as follows:               

                                                        [Enlarge/Download Table]

                                                                 DECEMBER 31,            
                                                     ----------------------------------- 
                                                           2010               2009       
                                                     ----------------   ---------------- 
                                                     CARRYING    % OF   CARRYING    % OF 
                                                       VALUE    TOTAL     VALUE    TOTAL 
                                                     --------   -----   --------   ----- 
                                                                  (IN MILLIONS)          
                                                                                         
Office..............................................    $22      73.4%     $22      75.9%
Real estate private equity funds....................      7      23.3        5      17.2 
Retail..............................................      1       3.3        2       6.9 
                                                        ---     -----      ---     ----- 
  Total real estate joint ventures..................    $30     100.0%     $29     100.0%
                                                        ===     =====      ===     ===== 


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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  The Company's real estate joint ventures are located in the U.S., and at
December 31, 2010, 74% and 3% of the Company's real estate joint ventures were  
located in California and Florida, respectively.                                

   Impairments of cost method real estate joint ventures were $2 million for
both years ended December 31, 2010 and 2009. There were no impairments of real  
estate joint ventures for the year ended December 31, 2008.                     

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 U.S. and overseas) was $456      
million and $282 million at December 31, 2010 and 2009, respectively. Included  
within other limited partnership interests were $105 million and $54 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 $1 million and $17 million for the    
years ended December 31, 2010 and 2009, respectively. There were no impairments 
of cost method other limited partnership interests for the year ended December  
31, 2008.                                                                       

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 $472 million 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 $399 million 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 $103.1 billion and
$75.1 billion as of December 31, 2010 and 2009, respectively. Aggregate total   
liabilities of these entities totaled $7.4 billion and $5.2 billion as of       
December 31, 2010 and 2009, respectively. Aggregate net income (loss) of these  
entities totaled $11.0 billion, $12.1 billion and ($13.1) 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).                                                                       

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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)            
                                                                                         
Tax credit partnerships.............................   $ 91      42.3%     $ 2       5.4%
Freestanding derivatives with positive fair values..     68      31.6       35      94.6 
Leveraged leases, net of non-recourse debt..........     56      26.1       --        -- 
                                                       ----     -----      ---     ----- 
  Total.............................................   $215     100.0%     $37     100.0%
                                                       ====     =====      ===     ===== 


 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. See Note 3 for information   
regarding the freestanding derivatives with positive estimated fair values. See 
the following section "Leveraged Leases" for the composition of leveraged       
leases.                                                                         

Leveraged Leases                                                            

Investment in leveraged leases, included in other invested assets,    
consisted of the following:                                                     

                                                                [Download Table]

                                                                 DECEMBER 31, 2010
                                                                 -----------------
                                                                   (IN MILLIONS)  
                                                                                  
Rental receivables, net.........................................        $ 92      
Estimated residual values.......................................          14      
                                                                        ----      
  Subtotal......................................................         106      
Unearned income.................................................         (50)     
                                                                        ----      
  Investment in leveraged leases................................        $ 56      
                                                                        ====      


  The Company did not have any investments in leveraged leases at December
31, 2009.                                                                       

The rental receivables set forth above are generally due in periodic  
installments. The payment periods were 22 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
$4 million at December 31, 2010.                                                

  There was no net investment income recognized on leverage leases for the
year ended December 31, 2010.                                                   

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 $113 million and $835 million 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 $60 million and $563
million at December 31, 2010 and 2009, respectively.                            

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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 $221 million and $377 million 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 $221 million and $341 million at December 31, 2010 and  
2009, respectively.                                                             

VARIABLE INTEREST ENTITIES                                                  

The Company holds investments in certain entities that are VIEs. 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).......................................  $  984      $  984       $ --        $ --   
  CMBS(2).......................................     513         513         --          --   
  ABS(2)........................................     409         409         --          --   
  Foreign corporate securities..................      56          56         40          40   
  U.S. corporate securities.....................      24          24         24          24   
Other limited partnership interests.............     409         763        182         278   
                                                  ------      ------       ----        ----   
     Total......................................  $2,395      $2,749       $246        $342   
                                                  ======      ======       ====        ====   


--------                                                                        

(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 is equal to the carrying amounts plus any
       unfunded commitments. Such a maximum loss would be expected to occur only
upon bankruptcy of the issuer or investee.                        

(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 10, 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 $41 million and $272  
million, respectively, in the Metropolitan Money Market Pool and the MetLife    
Intermediate Income Pool which are affiliated partnerships. These amounts are   
included in short-term investments. Net investment income (loss) from these     
investments was ($2) million, $2 million and $8 million for the years ended     
December 31, 2010, 2009 and 2008, respectively.                                 

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  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............................................. $105      $  9      $  --
Amortized cost of invested assets transferred to                                   
  affiliates............................................. $ 97      $ 13      $  --
Net investment gains (losses) recognized on invested                               
  assets transferred to affiliates....................... $  8      $ (4)     $  --
Estimated fair value of assets transferred from                                    
  affiliates............................................. $ 46      $155      $  --

     During the year ended December 31, 2009, the Company loaned $120 million to
wholly-owned real estate subsidiaries of an affiliate, Metropolitan Life        
Insurance Company ("MLIC"), which is included in mortgage loans. The carrying   
value of these loans was $119 million and $120 million at December 31, 2010 and 
2009, respectively. A loan of $80 million bears interest at 7.26% and is due in 
quarterly principal and interest payments of $2 million through January 2020,   
and a loan of $40 million bears interest at 7.01% with quarterly interest only  
payments of $1 million through January 2020, when the principal balance is due. 
The loans to affiliates are secured by interests in the real estate             
subsidiaries, which own operating real estate with a fair value in excess of the
loans. Net investment income from this investment was $9 million and less than  
$1 million for the years ended December 31, 2010 and 2009, respectively.        

3.  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 4 for information about the fair value hierarchy for derivatives.

PRIMARY RISKS MANAGED BY 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,                                                      

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 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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...............   $  900     $15       $25       $   40     $ 1      $  --   
                    Interest rate floors..............    2,000      45        --        2,000      27         --   
                    Interest rate caps................    1,500       1        --        1,000       2         --   
                    Interest rate futures.............      780       2         3          309       1         --   
                    Interest rate forwards............      485      --        48           --      --         --   
Foreign currency    Foreign currency swaps............      117       2         6           55       1          3   
                    Foreign currency forwards.........       34      --        --           --      --         --   
Credit              Credit default swaps..............      239       3         2          163       3          3   
Equity market       Equity options....................       15      --        --            6      --         --   
                                                         ------     ---       ---       ------     ---      -----   
                      Total...........................   $6,070     $68       $84       $3,573     $35        $ 6   
                                                         ======     ===       ===       ======     ===      =====   


--------                                                                        

(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.

The following table presents the gross notional amount of derivative  
financial instruments by maturity at December 31, 2010:                         

                                                        [Enlarge/Download Table]

                                                              REMAINING LIFE                           
                                   --------------------------------------------------------------------
                                                 AFTER ONE YEAR   AFTER FIVE YEARS                     
                                   ONE YEAR OR    THROUGH FIVE       THROUGH TEN     AFTER TEN         
                                       LESS           YEARS             YEARS          YEARS      TOTAL
                                   -----------   --------------   ----------------   ---------   ------
                                                               (IN MILLIONS)                           
                                                                                                       
Interest rate swaps...............    $   --         $  245              $--            $655     $  900
Interest rate floors..............        --          2,000               --              --      2,000
Interest rate caps................       500          1,000               --              --      1,500
Interest rate futures.............       780             --               --              --        780
Interest rate forwards............        75            375               35              --        485
Foreign currency swaps............         5             18               49              45        117
Foreign currency forwards.........        34             --               --              --         34
Credit default swaps..............        --            239               --              --        239
Equity options....................        15             --               --              --         15
                                      ------         ------              ---            ----     ------
  Total...........................    $1,409         $3,877              $84            $700     $6,070
                                      ======         ======              ===            ====     ======


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                                             

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 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.                                                                  

    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.                 

    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.                                              

 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 cash flow and non-   
qualifying hedging relationships.                                               

    In a foreign currency forward transaction, the Company agrees with another
party to deliver a specified amount of an identified currency at a specified    
future date. The price is agreed upon at the time of the contract and payment   
for such a contract is made in a different currency at the specified future     
date. The Company utilizes foreign currency forwards 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. These credit default     
swaps are not designated as hedging instruments.                                

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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.                          

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 FAIR                    ESTIMATED FAIR   
                                                              VALUE                             VALUE       
DERIVATIVES DESIGNATED AS HEDGING          NOTIONAL   --------------------   NOTIONAL   --------------------
INSTRUMENTS                                 AMOUNT    ASSETS   LIABILITIES    AMOUNT    ASSETS   LIABILITIES
-----------------------------------------  --------   ------   -----------   --------   ------   -----------
                                                                     (IN MILLIONS)                          
                                                                                                            
Fair Value Hedges:                                                                                          
  Interest rate swaps....................    $ 10      $  --      $  --        $  --     $  --      $  --   
                                             ----      -----      -----        -----     -----      -----   
     Subtotal............................      10         --         --           --        --         --   
                                             ----      -----      -----        -----     -----      -----   
Cash Flow Hedges:                                                                                           
  Foreign currency swaps.................      76          1          3           14        --          1   
  Interest rate swaps....................     295          1         22           --        --         --   
  Interest rate forwards.................     485         --         48           --        --         --   
                                             ----      -----      -----        -----     -----      -----   
     Subtotal............................     856          2         73           14        --          1   
                                             ----      -----      -----        -----     -----      -----   
       Total Qualifying Hedges...........    $866        $ 2        $73          $14     $  --        $ 1   
                                             ====      =====      =====        =====     =====      =====   


   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 FAIR                    ESTIMATED FAIR   
                                                               VALUE                             VALUE       
DERIVATIVES NOT DESIGNATED OR NOT           NOTIONAL   --------------------   NOTIONAL   --------------------
QUALIFYING AS HEDGING INSTRUMENTS            AMOUNT    ASSETS   LIABILITIES    AMOUNT    ASSETS   LIABILITIES
------------------------------------------  --------   ------   -----------   --------   ------   -----------
                                                                     (IN MILLIONS)                           
                                                                                                             
Interest rate swaps.......................   $  595      $14        $ 3        $   40      $ 1       $  --   
Interest rate floors......................    2,000       45         --         2,000       27          --   
Interest rate caps........................    1,500        1         --         1,000        2          --   
Interest rate futures.....................      780        2          3           309        1          --   
Foreign currency swaps....................       41        1          3            41        1           2   
Foreign currency forwards.................       34       --         --            --       --          --   
Credit default swaps......................      239        3          2           163        3           3   
Equity options............................       15       --         --             6       --          --   
                                             ------      ---        ---        ------      ---       -----   
  Total non-designated or non-qualifying                                                                     
     derivatives..........................   $5,204      $66        $11        $3,559      $35         $ 5   
                                             ======      ===        ===        ======      ===       =====   


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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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).................. $  3   $ (75)  $ 79
Embedded derivatives........................................  112    (528)   740
                                                             ----   -----   ----
  Total net derivative gains (losses)....................... $115   $(603)  $819
                                                             ====   =====   ====


--------                                                                        

 (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.                                           

    The Company recognized insignificant net investment income from settlement
payments related to qualifying hedges for the years ended December 31, 2010,    
2009 and 2008.                                                                  

    The Company recognized $20 million and $15 million of net derivative gains
(losses) from settlement payments related to non-qualifying hedges for the years
ended December 31, 2010 and 2009, respectively. The Company recognized          
insignificant net derivative gains (losses) from settlement payments related to 
non-qualifying hedges for the year ended December 31, 2008.                     

FAIR VALUE HEDGES                                                           

The Company designates and accounts for interest rate swaps to convert
fixed rate investments to floating rate investments as fair value hedges when   
they have met the requirements of fair value hedging.                           

The Company recognized insignificant amounts in net derivative gains  
(losses) representing the ineffective portion of all fair value hedges for the  
years ended December 31, 2010 and 2008. Changes in the fair value of the        
derivatives and the hedged items were insignificant for the years ended December
31, 2010 and 2008. The Company did not have any fair value hedges during the    
year ended December 31, 2009.                                                   

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) foreign currency  
swaps to hedge the foreign currency cash flow exposure of foreign currency      
denominated investments and liabilities; (ii) interest rate forwards to lock in 
the price to be paid for forward purchases of investments; and (iii) interest   
rate swaps and interest rate forwards to hedge the forecasted purchases of      
fixed-rate investments.                                                         

    For the year ended December 31, 2010, the Company recognized insignificant
amounts of net derivative gains (losses) which represented the ineffective      
portion of all cash flow hedges. For the years ended December 31, 2009 and 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. For the years ended December 31, 2010,  
2009 and 2008, there were no amounts reclassified into net derivative gains     
(losses) related to such discontinued cash flow hedges. At December 31, 2010 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     

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

six years. There were no hedged forecasted transactions, other than the receipt 
or payment of variable interest payments, for the years ended December 31, 2009 
and 2008.                                                                       

The following table presents the components of accumulated other      
comprehensive income (loss), before income tax, related to cash flow hedges:    

                                                        [Enlarge/Download Table]

                                                            YEARS ENDED DECEMBER 31, 
                                                            ------------------------ 
                                                            2010      2009      2008 
                                                            ----      ----      ---- 
                                                                  (IN MILLIONS)      
                                                                                     
Accumulated other comprehensive income (loss), balance at                            
  January 1,............................................... $ (1)      $(2)      $(3)
Gains (losses) deferred in other comprehensive income                                
  (loss) on the effective portion of cash flow hedges......  (70)        7         1 
Amounts reclassified to net derivative gains (losses)......   (2)       (6)       -- 
                                                            ----       ---       --- 
Accumulated other comprehensive income (loss), balance at                            
  December 31,............................................. $(73)      $(1)      $(2)
                                                            ====       ===       === 


  At December 31, 2010, $1 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.                                             

The following table presents the effects of derivatives in cash flow  
hedging relationships on the consolidated statements of operations and the      
consolidated statements of stockholder's equity for the years ended December 31,
2010, 2009 and 2008:                                                            

                                                        [Enlarge/Download Table]

                                                                          AMOUNT AND LOCATION OF 
                                                                              GAINS (LOSSES)     
                                                                            RECLASSIFIED FROM    
                                                    AMOUNT OF GAINS         ACCUMULATED OTHER    
                                                   (LOSSES) DEFERRED       COMPREHENSIVE INCOME  
                                                     IN ACCUMULATED     (LOSS) INTO INCOME (LOSS)
                                                  OTHER COMPREHENSIVE   -------------------------
DERIVATIVES IN CASH FLOW                            INCOME (LOSS) ON          NET DERIVATIVE     
HEDGING RELATIONSHIPS                                 DERIVATIVES             GAINS (LOSSES)     
------------------------------------------------  -------------------   -------------------------
                                                                   (IN MILLIONS)                 
                                                                                                 
FOR THE YEAR ENDED DECEMBER 31, 2010:                                                            
  Interest rate swaps...........................          $(21)                     $            
  Foreign currency swaps........................            (1)                      --          
  Interest rate forwards........................           (48)                       2          
                                                          ----                    -----          
     Total......................................          $(70)                     $ 2          
                                                          ====                    =====          
FOR THE YEAR ENDED DECEMBER 31, 2009:                                                            
  Foreign currency swaps........................          $ (1)                   $  --          
  Interest rate forwards........................             8                        6          
                                                          ----                    -----          
     Total......................................          $  7                      $ 6          
                                                          ====                    =====          
FOR THE YEAR ENDED DECEMBER 31, 2008:                                                            
  Foreign currency swaps........................          $  1                      $--          
                                                          ====                    =====          


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,   
caps and floors, and interest rate futures to economically hedge its exposure to
interest rates; (ii) foreign currency forwards to economically hedge its        
exposure to adverse movements in exchange rates; (iii) interest rate forwards to
buy and sell securities to economically hedge its exposure to interest rates;   
(iv) foreign currency swaps to economically hedge its exposure to adverse       
movements in exchange rates;                                                    

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

(v) credit default swaps to economically hedge exposure to adverse movements in 
credit; (vi) credit default swaps to synthetically create investments; and (vii)
equity options to economically hedge certain invested assets against adverse    
changes in equity indices.                                                      

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........................................      $ (4)          $  --  
Interest rate floors.......................................        17              --  
Interest rate caps.........................................        (2)             --  
Interest rate futures......................................       (28)             --  
Foreign currency swaps.....................................        (1)             --  
Foreign currency forwards..................................        (2)             --  
Equity options.............................................        --              (1) 
Interest rate forwards.....................................         1              --  
Credit default swaps.......................................         1              --  
                                                                 ----           -----  
  Total....................................................      $(18)            $(1) 
                                                                 ====           =====  
FOR THE YEAR ENDED DECEMBER 31, 2009:                                                  
Interest rate swaps........................................      $  1           $  --  
Interest rate floors.......................................       (86)             --  
Interest rate caps.........................................         1              --  
Interest rate futures......................................        (1)             --  
Foreign currency swaps.....................................        (9)             --  
Credit default swaps.......................................        (2)             --  
                                                                 ----           -----  
  Total....................................................      $(96)          $  --  
                                                                 ====           =====  
FOR THE YEAR ENDED DECEMBER 31, 2008.......................      $ 79           $  --  
                                                                 ====           =====  


--------                                                                        

(1) Changes in estimated fair value related to economic hedges of equity  
method investments in joint ventures.                             

CREDIT DERIVATIVES                                                          

In connection with synthetically created investment transactions, the 
Company writes credit default swaps for which it receives a premium to insure   
credit risk. Such credit derivatives are included within the non-qualifying     
derivatives and derivatives for purposes other than hedging table. If a credit  
event occurs, as defined by the contract, 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 $185 million and $115 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 both December 31, 2010  
and 2009, the Company would have received $2 million to terminate all of these  
contracts.                                                                      

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  The following table presents the estimated fair value, maximum amount of
future payments and weighted average years to maturity of written credit default
swaps at December 31, 2010 and 2009:                                            

                                                        [Enlarge/Download Table]

                                                                          DECEMBER 31,                                    
                                     -------------------------------------------------------------------------------------
                                                         2010                                       2009                  
                                     -------------------------------------------  ----------------------------------------
                                                     MAXIMUM                                      MAXIMUM                 
                                      ESTIMATED      AMOUNT                        ESTIMATED     AMOUNT OF                
                                     FAIR VALUE     OF FUTURE                     FAIR VALUE      FUTURE        WEIGHTED  
RATING AGENCY DESIGNATION OF          OF CREDIT  PAYMENTS UNDER      WEIGHTED      OF CREDIT  PAYMENTS UNDER     AVERAGE  
REFERENCED                             DEFAULT   CREDIT DEFAULT   AVERAGE 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)......................     $  --         $ 23             4.1           $  --         $  3            4.0    
Credit default swaps referencing                                                                                          
  indices..........................         1           59             3.3               2          112            3.7    
                                        -----         ----                           -----         ----                   
Subtotal...........................         1           82             3.5               2          115            3.7    
                                        -----         ----                           -----         ----                   
Baa                                                                                                                       
Credit default swaps referencing                                                                                          
  indices..........................         1          103             5.0              --           --             --    
                                        -----         ----                           -----         ----                   
Total..............................       $ 2         $185             4.4             $ 2         $115            3.7    
                                        =====         ====                           =====         ====                   


--------                                                                        

   (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.            

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 4 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 $54 million and $28 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.                                                    

    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,                                           

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 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     FAIR VALUE OF INCREMENTAL COLLATERAL 
                                                 OF 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)         RATING    OF THE DERIVATIVE POSITION
                             ------------------  -----------------------   ---------   --------------------------
                                                            (IN MILLIONS)                                        
                                                                                                                 
December 31, 2010...........         $69                   $37                $11                  $46           
December 31, 2009...........         $ 5                   $--                $--                  $ 5           

--------                                                                        

(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. At both December 31, 2010 and 2009, the Company did not
provide any cash collateral.                                      

  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 $81 
million. At December 31, 2010, the Company provided $37 million of securities   
collateral 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 $44 million. This amount does not        
consider gross derivative assets of $12 million for which the Company has the   
contractual right of offset.                                                    

The Company also has exchange-traded futures, which may 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 $6 million and $5 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       

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

benefits, including GMWBs, GMABs and certain GMIBs; affiliated reinsurance      
contracts of guaranteed minimum benefits related to GMWBs, GMABs and certain    
GMIBs; and ceded reinsurance written on a funds withheld basis.                 

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............................... $930        $724 
Net embedded derivatives within liability host contracts:                           
  Direct guaranteed minimum benefits.............................. $174        $199 
  Other...........................................................    5         (11)
                                                                   ----        ---- 
     Net embedded derivatives within liability host contracts..... $179        $188 
                                                                   ====        ==== 


 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)....................... $112   $(528)  $740

--------                                                                        

(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
  ($140) million, ($432) million and $585 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 $210 million,
       $816 million and ($1,144) million, for the years ended December 31, 2010,
    2009 and 2008, respectively. The net derivative gains (losses) for the
      year ended December 31, 2010 included a gain of $225 million relating to
a refinement for estimating nonperformance risk in fair value     
measurements implemented at June 30, 2010. See Note 4.            

(2) See Note 7 for discussion of affiliated net derivative gains (losses) 
included in the table above.                                      

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

4.  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.                                                                        

ASSETS AND LIABILITIES MEASURED AT FAIR VALUE                                   

RECURRING FAIR VALUE MEASUREMENTS                                           

    The 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                      
                                            --------------------------------------------------------------
                                              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...............         $ --              $ 3,210          $  162      $ 3,372 
  Foreign corporate securities............           --                1,399              91        1,490 
  U.S. Treasury and agency securities.....          495                  648              --        1,143 
  RMBS....................................           --                  969              15          984 
  State and political subdivision                                                                         
     securities...........................           --                  630              --          630 
  CMBS....................................           --                  506               7          513 
  ABS.....................................           --                  328              81          409 
  Foreign government securities...........           --                  131               4          135 
                                                   ----              -------          ------      ------- 
     Total fixed maturity securities......          495                7,821             360        8,676 
                                                   ----              -------          ------      ------- 
Equity securities:                                                                                        
  Common stock............................            2                   --              --            2 
  Non-redeemable preferred stock..........           --                   --               1            1 
                                                   ----              -------          ------      ------- 
     Total equity securities..............            2                   --               1            3 
                                                   ----              -------          ------      ------- 
Short-term investments (1)................           20                   82               6          108 
Derivative assets: (2)                                                                                    
Interest rate contracts...................            2                   61              --           63 
Foreign currency contracts................           --                    2              --            2 
Credit contracts..........................           --                    2               1            3 
                                                   ----              -------          ------      ------- 
  Total derivative assets.................            2                   65               1           68 
Net embedded derivatives within asset host                                                                
  contracts (3)...........................           --                   --             930          930 
Separate account assets (4)...............           --               42,435              --       42,435 
                                                   ----              -------          ------      ------- 
  Total assets............................         $519              $50,403          $1,298      $52,220 
                                                   ====              =======          ======      ======= 
LIABILITIES                                                                                               
Derivative liabilities: (2)                                                                               
Interest rate contracts...................         $  3              $    25          $   48      $    76 
Foreign currency contracts................           --                    6              --            6 
Credit contracts..........................           --                    2              --            2 
                                                   ----              -------          ------      ------- 
  Total derivative liabilities............            3                   33              48           84 
Net embedded derivatives within liability                                                                 
  host contracts (3)......................           --                   --             179          179 
                                                   ----              -------          ------      ------- 
  Total liabilities.......................         $  3              $    33          $  227      $   263 
                                                   ====              =======          ======      ======= 


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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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.............        $ --              $ 2,806          $  139      $ 2,945 
  Foreign corporate securities..........          --                  897              70          967 
  U.S. Treasury and agency securities...         340                  519              --          859 
  RMBS..................................          --                1,357               9        1,366 
  State and political subdivision                                                                      
     securities.........................          --                  350               1          351 
  CMBS..................................          --                  711               1          712 
  ABS...................................          --                  450              59          509 
  Foreign government securities.........          --                   96              --           96 
                                                ----              -------          ------      ------- 
     Total fixed maturity securities....         340                7,186             279        7,805 
                                                ----              -------          ------      ------- 
Equity securities:                                                                                     
  Common stock..........................           2                   --              --            2 
  Non-redeemable preferred stock........          --                   --               1            1 
                                                ----              -------          ------      ------- 
     Total equity securities............           2                   --               1            3 
                                                ----              -------          ------      ------- 
Short-term investments (1)..............         476                  359              --          835 
Derivative assets (2)...................           1                   31               3           35 
Net embedded derivatives within asset                                                                  
  host contracts (3)....................          --                   --             724          724 
Separate account assets (4).............          --               29,958              --       29,958 
                                                ----              -------          ------      ------- 
  Total assets..........................        $819              $37,534          $1,007      $39,360 
                                                ====              =======          ======      ======= 
LIABILITIES                                                                                            
Derivative liabilities (2)..............        $ --              $     6          $   --      $     6 
Net embedded derivatives within                                                                        
  liability host contracts (3)..........          --                   --             188          188 
                                                ----              -------          ------      ------- 
  Total liabilities.....................        $ --              $     6          $  188      $   194 
                                                ====              =======          ======      ======= 


--------                                                                        

 (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.                                   

  (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.                                                           

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  The methods and assumptions used to estimate the fair value of financial
instruments are summarized as follows:                                          

Fixed Maturity Securities, Equity Securities and Short-term Investments     

  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 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 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 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          

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 and ceded variable
annuity guarantees, and embedded derivatives related to funds withheld on ceded 
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 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's debt, including related credit default swaps. These observable spreads
are then adjusted, as necessary, to reflect the priority of these liabilities   
and the claims paying ability of the issuing insurance subsidiaries compared to 
MetLife.                                                                        

     Risk margins are established to capture the non-capital market risks of the
instrument which represent the additional compensation a market participant     
would require to assume the risks related to the uncertainties of such actuarial
assumptions as annuitization, premium persistency, partial withdrawal and       
surrenders. The establishment of risk margins requires the use of significant   
management judgment, including assumptions of the amount and cost               

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 above to an affiliated reinsurance company that are   
also accounted for as embedded derivatives. In addition to ceding risks         
associated with guarantees that are accounted for as embedded derivatives, the  
Company also cedes, to the same affiliated reinsurance company, certain directly
written 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 $70 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 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 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.                   

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 consist of mutual funds. 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.                 

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 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 fixed maturity 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.                     

LEVEL 2 MEASUREMENTS:                                                           

Fixed Maturity Securities, Equity Securities and Short-term Investments     

    This level includes fixed maturity securities and equity securities priced
principally by independent pricing services using observable inputs. Short-term 
investments within this level are of a similar nature and class to the Level 2  
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.                                  

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

 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.                                

          U.S. Treasury and agency 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.      

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, London Inter- 
Bank Offer Rate ("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.                                                    

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.                     

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Separate Account Assets                                                     

These assets are comprised of certain mutual funds without readily    
determinable fair values given prices are not published publicly. Valuation of  
the mutual funds is based upon quoted prices or reported NAV provided by the    
fund managers.                                                                  

LEVEL 3 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 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. 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.                    

          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 with
  discounted cash flow methodologies use inputs such as earnings multiples
based on comparable public                                            

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

   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.                                                                         

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.                                         

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.                         

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                                         

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

reference portfolio which are not observable in the market and cannot be derived
principally 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 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 $39 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 RMBS and private      
placements included in U.S. corporate securities.                               

During the year ended December 31, 2010, fixed maturity securities    
transfers out of Level 3 of $31 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.                                                           

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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...    $139            $ --              $ 4            $ --             $24           $ (5)    
  Foreign corporate                                                                                                        
     securities...............      70               1                7              38              --            (25)    
  RMBS........................       9              --                1             (10)             15             --     
  State and political                                                                                                      
     subdivision securities...       1              --               --              --              --             (1)    
  CMBS........................       1              --                1               5              --             --     
  ABS.........................      59              --               10              12              --             --     
  Foreign government                                                                                                       
     securities...............      --              --               --               4              --             --     
                                  ----            ----            -----            ----           -----           ----     
     Total fixed maturity                                                                                                  
       securities.............    $279            $  1              $23            $ 49             $39           $(31)    
                                  ====            ====            =====            ====           =====           ====     
Equity securities:                                                                                                         
  Non-redeemable preferred                                                                                                 
     stock....................    $  1            $ --            $  --            $ --           $  --           $ --     
                                  ----            ----            -----            ----           -----           ----     
     Total equity securities..    $  1            $ --            $  --            $ --           $  --           $ --     
                                  ====            ====            =====            ====           =====           ====     
Short-term investments........    $ --            $ --            $  --            $  6           $  --           $ --     
Net embedded derivatives (5)..    $536            $112            $  --            $103           $  --           $ --     

                                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...     $162                                                                                    
  Foreign corporate                                                                                                        
     securities...............       91                                                                                    
  RMBS........................       15                                                                                    
  State and political                                                                                                      
     subdivision securities...       --                                                                                    
  CMBS........................        7                                                                                    
  ABS.........................       81                                                                                    
  Foreign government                                                                                                       
     securities...............        4                                                                                    
                                   ----                                                                                    
     Total fixed maturity                                                                                                  
       securities.............     $360                                                                                    
                                   ====                                                                                    
Equity securities:                                                                                                         
  Non-redeemable preferred                                                                                                 
     stock....................     $  1                                                                                    
                                   ----                                                                                    
     Total equity securities..     $  1                                                                                    
                                   ====                                                                                    
Short-term investments........     $  6                                                                                    
Net embedded derivatives (5)..     $751                                                                                    

                                                        [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:                                                                                              
LIABILITIES:                                                                                                               
Net derivatives: (6)                                                                                                       
  Interest rate contracts.....    $  --          $  --            $  48           $  --           $  --           $  --    
  Credit contracts............       (3)             1               --               1              --              --    
                                  -----          -----            -----           -----           -----           -----    
     Total net derivatives....      $(3)           $ 1              $48             $ 1           $  --             $--    
                                  =====          =====            =====           =====           =====           =====    


                                FAIR VALUE                                                                                 
                               MEASUREMENTS                                                                                
                                   USING                                                                                   
                                SIGNIFICANT                                                                                
                               UNOBSERVABLE                                                                                
                                  INPUTS                                                                                   
                                 (LEVEL 3)                                                                                 
                               ------------                                                                                
                                 BALANCE,                                                                                  
                               DECEMBER 31,                                                                                
                               ------------                                                                                
                                    (IN                                                                                    
                                 MILLIONS)                                                                                 
                                                                                                                           
YEAR ENDED DECEMBER 31, 2010:                                                                                              
LIABILITIES:                                                                                                               
Net derivatives: (6)                                                                                                       
  Interest rate contracts.....     $  48                                                                                   
  Credit contracts............        (1)                                                                                  
                                   -----                                                                                   
     Total net derivatives....       $47                                                                                   
                                   =====                                                                                   


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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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.............    $ 65           $ (17)            $18            $10               $63    
  Foreign corporate securities..........      48              (1)             11             12                --    
  RMBS..................................       2              --              --              7                --    
  State and political subdivision                                                                                    
     securities.........................      --              --              --              1                --    
  CMBS..................................      --              (1)              1             --                 1    
  ABS...................................      49              --              15             (6)                1    
                                            ----           -----           -----            ---             -----    
     Total fixed maturity securities....    $164           $ (19)            $45            $24               $65    
                                            ====           =====           =====            ===             =====    
Equity securities:                                                                                                   
  Non-redeemable preferred stock........    $  7           $  (2)            $ 3            $(7)            $  --    
                                            ----           -----           -----            ---             -----    
     Total equity securities............    $  7           $  (2)            $ 3            $(7)            $  --    
                                            ====           =====           =====            ===             =====    
Net derivatives (6).....................    $ --           $   1           $  --            $ 2             $  --    
Net embedded derivatives (5)............    $963           $(516)          $  --            $89             $  --    

                                          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.............     $139                                                                    
  Foreign corporate securities..........       70                                                                    
  RMBS..................................        9                                                                    
  State and political subdivision                                                                                    
     securities.........................        1                                                                    
  CMBS..................................        1                                                                    
  ABS...................................       59                                                                    
                                             ----                                                                    
     Total fixed maturity securities....     $279                                                                    
                                             ====                                                                    
Equity securities:                                                                                                   
  Non-redeemable preferred stock........     $  1                                                                    
                                             ----                                                                    
     Total equity securities............     $  1                                                                    
                                             ====                                                                    
Net derivatives (6).....................     $  3                                                                    
Net embedded derivatives (5)............     $536                                                                    

                                                        [Enlarge/Download Table]

                                         FAIR VALUE MEASUREMENTS USING SIGNIFICANT UNOBSERVABLE INPUTS (LEVEL 3)           
                             ----------------------------------------------------------------------------------------------
                                                                              TOTAL REALIZED/UNREALIZED                    
                                                                             GAINS (LOSSES) INCLUDED IN:                   
                                                                          --------------------------------     PURCHASES,  
                                                                                                 OTHER           SALES,    
                                  BALANCE,        IMPACT OF    BALANCE,                      COMPREHENSIVE   ISSUANCES AND 
                             DECEMBER 31, 2007  ADOPTION (7)  JANUARY 1,  EARNINGS (1), (2)  INCOME (LOSS)  SETTLEMENTS (3)
                             -----------------  ------------  ----------  -----------------  -------------  ---------------
                                                                                    (IN MILLIONS)                          
                                                                                                                           
YEAR ENDED DECEMBER 31,                                                                                                    
  2008:                                                                                                                    
ASSETS:                                                                                                                    
Fixed maturity securities...        $262            $  --        $262            $(13)            $(54)           $(32)    
Equity securities...........        $  4            $  --        $  4            $ --             $ (3)           $ --     
Net embedded derivatives                                                                                                   
  (5).......................        $175              $95        $270            $647             $ --            $ 46     

                                FAIR VALUE MEASUREMENTS USING                                                              
                               SIGNIFICANT UNOBSERVABLE INPUTS                                                             
                                          (LEVEL 3)                                                                        
                             ----------------------------------                                                            
                              TRANSFER INTO                                                                                
                               AND/OR OUT            BALANCE,                                                              
                             OF LEVEL 3 (4)        DECEMBER 31,                                                            
                             --------------        ------------                                                            
                                                                                                                           
YEAR ENDED DECEMBER 31,                                                                                                    
  2008:                                                                                                                    
ASSETS:                                                                                                                    
Fixed maturity securities...        $ 1                $164                                                                
Equity securities...........        $ 6                $  7                                                                
Net embedded derivatives                                                                                                   
  (5).......................      $  --                $963                                                                

--------                                                                        

   (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) Embedded derivative assets and liabilities are presented net for purposes
of the rollforward.                                               

(6) Freestanding derivative assets and liabilities are presented net for  
purposes of the rollforward.                                      

  (7) 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

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

   impact of adoption on Level 3 assets and liabilities presented in the
   table above was a $95 million increase to net assets. Such amount was
   also impacted by a reduction to DAC of $31 million resulting in a net
increase of $64 million. This increase was offset by a $1 million 
reduction in the estimated fair value of Level 2 freestanding     
      derivatives, resulting in a total net impact of adoption of $63 million.

  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   DERIVATIVE         
                                                   INVESTMENT      GAINS        GAINS           
                                                     INCOME      (LOSSES)     (LOSSES)    TOTAL 
                                                   ----------   ----------   ----------   ----- 
                                                                   (IN MILLIONS)                
                                                                                                
YEAR ENDED DECEMBER 31, 2010:                                                                   
ASSETS:                                                                                         
Fixed maturity securities:                                                                      
  Foreign corporate securities....................    $  --          $ 1        $ --       $  1 
                                                      -----        -----        ----       ---- 
     Total fixed maturity securities..............    $  --          $ 1        $ --       $  1 
                                                      =====        =====        ====       ==== 
Net embedded derivatives..........................    $  --        $  --        $112       $112 
LIABILITIES:                                                                                    
Net derivatives:                                                                                
  Credit contracts................................       --           --          (1)        (1)
                                                      -----        -----        ----       ---- 
     Total net derivatives........................    $  --        $  --        $ (1)      $ (1)
                                                      =====        =====        ====       ==== 


                                                        [Enlarge/Download Table]

                                                              TOTAL GAINS AND LOSSES            
                                                   -------------------------------------------- 
                                                    CLASSIFICATION OF REALIZED/UNREALIZED GAINS 
                                                           (LOSSES) INCLUDED IN EARNINGS        
                                                   -------------------------------------------- 
                                                                    NET          NET            
                                                       NET      INVESTMENT   DERIVATIVE         
                                                   INVESTMENT      GAINS        GAINS           
                                                     INCOME      (LOSSES)     (LOSSES)    TOTAL 
                                                   ----------   ----------   ----------   ----- 
                                                                   (IN MILLIONS)                
                                                                                                
YEAR ENDED DECEMBER 31, 2009:                                                                   
ASSETS:                                                                                         
Fixed maturity securities:                                                                      
  U.S. corporate securities.......................    $  --        $(17)        $  --     $ (17)
  Foreign corporate securities....................       --          (1)           --        (1)
  CMBS............................................       --          (1)           --        (1)
                                                      -----        ----         -----     ----- 
     Total fixed maturity securities..............    $  --        $(19)        $  --     $ (19)
                                                      =====        ====         =====     ===== 
Equity securities:                                                                              
  Non-redeemable preferred stock..................    $  --        $ (2)        $  --     $  (2)
                                                      -----        ----         -----     ----- 
     Total equity securities......................    $  --        $ (2)        $  --     $  (2)
                                                      =====        ====         =====     ===== 
Net derivatives...................................    $  --        $ --         $   1     $   1 
Net embedded derivatives..........................    $  --        $ --         $(516)    $(516)

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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   DERIVATIVE         
                                                   INVESTMENT      GAINS        GAINS           
                                                     INCOME      (LOSSES)     (LOSSES)    TOTAL 
                                                   ----------   ----------   ----------   ----- 
                                                                   (IN MILLIONS)                
                                                                                                
YEAR ENDED DECEMBER 31, 2008:                                                                   
ASSETS:                                                                                         
Fixed maturity securities.........................    $  --        $(13)        $ --       $(13)
Net embedded derivatives..........................    $  --        $ --         $647       $647 

    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   DERIVATIVE         
                                                 INVESTMENT      GAINS        GAINS           
                                                   INCOME      (LOSSES)     (LOSSES)    TOTAL 
                                                 ----------   ----------   ----------   ----- 
                                                                 (IN MILLIONS)                
                                                                                              
YEAR ENDED DECEMBER 31, 2010:                                                                 
ASSETS:                                                                                       
Fixed maturity securities:                                                                    
  ABS...........................................      $ 1        $  --        $ --       $  1 
                                                    -----        -----        ----       ---- 
     Total fixed maturity securities............      $ 1        $  --        $ --       $  1 
                                                    =====        =====        ====       ==== 
Net embedded derivatives........................    $  --          $--        $120       $120 
LIABILITIES:                                                                                  
Net derivatives:                                                                              
  Credit contracts..............................       --           --          (1)        (1)
                                                    -----        -----        ----       ---- 
     Total net derivatives......................    $  --        $  --        $ (1)      $ (1)
                                                    =====        =====        ====       ==== 


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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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   DERIVATIVE         
                                                 INVESTMENT      GAINS        GAINS           
                                                   INCOME      (LOSSES)     (LOSSES)    TOTAL 
                                                 ----------   ----------   ----------   ----- 
                                                                 (IN MILLIONS)                
                                                                                              
YEAR ENDED DECEMBER 31, 2009:                                                                 
ASSETS:                                                                                       
Fixed maturity securities:                                                                    
  U.S. corporate securities.....................    $  --        $(17)        $  --     $ (17)
  Foreign corporate securities..................       --          (1)           --        (1)
  CMBS..........................................       --          (1)           --        (1)
                                                    -----        ----         -----     ----- 
     Total fixed maturity securities............    $  --        $(19)        $  --     $ (19)
                                                    =====        ====         =====     ===== 
Net derivatives.................................    $  --        $ --         $   1     $   1 
Net embedded derivatives........................    $  --        $ --         $(510)    $(510)

                                                        [Enlarge/Download Table]

                                                     CHANGES IN UNREALIZED GAINS (LOSSES)     
                                                  RELATING TO ASSETS AND LIABILITIES HELD AT  
                                                               DECEMBER 31, 2008              
                                                 -------------------------------------------- 
                                                                  NET          NET            
                                                     NET      INVESTMENT   DERIVATIVE         
                                                 INVESTMENT      GAINS        GAINS           
                                                   INCOME      (LOSSES)     (LOSSES)    TOTAL 
                                                 ----------   ----------   ----------   ----- 
                                                                 (IN MILLIONS)                
                                                                                              
YEAR ENDED DECEMBER 31, 2008:                                                                 
ASSETS:                                                                                       
Fixed maturity securities.......................    $  --        $(12)        $ --       $(12)
Net embedded derivatives........................    $  --        $ --         $649       $649 

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     
                                              ESTIMATED       NET                      ESTIMATED       NET     --------------
                                CARRYING         FAIR     INVESTMENT     CARRYING         FAIR     INVESTMENT     CARRYING   
                             VALUE PRIOR TO  VALUE AFTER     GAINS    VALUE PRIOR TO  VALUE AFTER     GAINS    VALUE PRIOR TO
                               MEASUREMENT   MEASUREMENT   (LOSSES)     MEASUREMENT   MEASUREMENT   (LOSSES)     MEASUREMENT 
                             --------------  -----------  ----------  --------------  -----------  ----------  --------------
                                                                       (IN MILLIONS)                                         
                                                                                                                             
Other limited partnership                                                                                                    
  interests (1).............       $4             $3          $(1)          $21            $4         $(17)          $--     
Real estate joint ventures                                                                                                   
  (2).......................       $3             $1          $(2)          $ 7            $5         $ (2)          $--     

                               YEARS ENDED DECEMBER 31,                                                                      
                             ---------------------------                                                                     
                                         2008                                                                                
                             ---------------------------                                                                     
                              ESTIMATED           NET                                                                        
                                 FAIR         INVESTMENT                                                                     
                             VALUE AFTER         GAINS                                                                       
                             MEASUREMENT       (LOSSES)                                                                      
                             -----------      ----------                                                                     
                                    (IN MILLIONS)                                                                            
                                                                                                                             
Other limited partnership                                                                                                    
  interests (1).............     $--              $--                                                                        
Real estate joint ventures                                                                                                   
  (2).......................     $--              $--                                                                        

--------                                                                        

   (1) 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

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

      that typically invest primarily in international leveraged buyout 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
    $4 million and $7 million at December 31, 2010 and 2009, respectively.

(2) 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
  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 less than $1
 million and $7 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.....................................              $1,175      $1,249 
Policy loans............................................              $   64      $   64 
Real estate joint ventures (1)..........................              $    6      $    5 
Other limited partnership interests (1).................              $    8      $    7 
Short-term investments (2)..............................              $    5      $    5 
Cash and cash equivalents...............................              $  240      $  240 
Accrued investment income...............................              $  105      $  105 
Premiums, reinsurance and other receivables (1).........              $5,526      $5,943 
LIABILITIES                                                                              
Policyholder account balances (1).......................              $6,462      $7,001 
Payables for collateral under securities loaned and                                      
  other transactions....................................              $1,246      $1,246 
Long-term debt..........................................              $   45      $   45 
Other liabilities (1)...................................              $  137      $  137 
Separate account liabilities (1)........................              $1,125      $1,125 
COMMITMENTS (3)                                                                          
Mortgage loan commitments...............................     $80      $   --      $   (1)
Commitments to fund private corporate bond investments..     $66      $   --      $    3 

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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.....................................              $  605      $  572 
Policy loans............................................              $   50      $   50 
Real estate joint ventures (1)..........................              $    5      $    5 
Other limited partnership interests (1).................              $    8      $    7 
Cash and cash equivalents...............................              $  412      $  412 
Accrued investment income...............................              $   84      $   84 
Premiums, reinsurance and other receivables (1).........              $4,229      $4,071 
LIABILITIES                                                                              
Policyholder account balances (1).......................              $6,488      $6,309 
Payables for collateral under securities loaned and                                      
  other transactions....................................              $1,607      $1,607 
Other liabilities (1)...................................              $  119      $  119 
Separate account liabilities (1)........................              $1,070      $1,070 
COMMITMENTS (3)                                                                          
Commitments to fund private corporate bond investments..    $125      $   --      $   -- 

--------                                                                        

(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 table above differs from the
    amount presented in the consolidated balance sheets because this table
   does not include short-term investments that meet the definition of a
 security, which are measured at estimated fair value on a recurring
basis.                                                            

(3) 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, short-term         
investments, derivative assets and liabilities, net embedded derivatives within 
asset and liability host contracts and separate account assets. These assets and
liabilities are described in the section "-- Recurring Fair Value Measurements" 
and, therefore, are 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.                                                 

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 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 real estate joint ventures and other limited
partnership interests 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.                                                     

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.

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

Premiums, Reinsurance and Other Receivables                                 

 Premiums, reinsurance and other receivables in the preceding tables are
principally comprised of certain amounts recoverable under reinsurance contracts
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.                                          

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 fixed deferred annuities, fixed
term payout annuities and total control accounts ("TCA"). The fair values for   
these investment 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.                                              

Long-term Debt                                                              

The estimated fair value of long-term debt is 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   
other companies with similar types of borrowing arrangements.                   

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 payable; amounts due for  
securities purchased but not yet settled; and funds withheld under 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.                                                                

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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 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 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 Private Corporate Bond    
Investments                                                                 

   The estimated fair values for mortgage loan commitments that will be held
for investment and commitments to fund 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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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

5.  DEFERRED POLICY ACQUISITION COSTS                                           

Information regarding DAC is as follows:                              

                                                                [Download Table]

                                                                          DAC     
                                                                     -------------
                                                                     (IN MILLIONS)
                                                                                  
Balance at January 1, 2008..........................................     $1,806   
  Capitalizations...................................................        717   
                                                                         ------   
     Subtotal.......................................................      2,523   
                                                                         ------   
  Amortization related to:                                                        
     Net investment gains (losses)..................................       (115)  
     Other expenses.................................................       (394)  
                                                                         ------   
       Total amortization...........................................       (509)  
                                                                         ------   
  Unrealized investment gains (losses)..............................         68   
                                                                         ------   
Balance at December 31, 2008........................................      2,082   
  Capitalizations...................................................        727   
                                                                         ------   
     Subtotal.......................................................      2,809   
                                                                         ------   
  Amortization related to:                                                        
     Net investment gains (losses)..................................        136   
     Other expenses.................................................       (332)  
                                                                         ------   
       Total amortization...........................................       (196)  
                                                                         ------   
  Unrealized investment gains (losses)..............................        (59)  
                                                                         ------   
Balance at December 31, 2009........................................      2,554   
  Capitalizations...................................................        880   
                                                                         ------   
     Subtotal.......................................................      3,434   
                                                                         ------   
  Amortization related to:                                                        
     Net investment gains (losses)..................................        (59)  
     Other expenses.................................................       (364)  
                                                                         ------   
       Total amortization...........................................       (423)  
                                                                         ------   
  Unrealized investment gains (losses)..............................        (46)  
                                                                         ------   
Balance at December 31, 2010........................................     $2,965   
                                                                         ======   


   Amortization of DAC is attributed to both investment gains and losses and
to other expenses for the amount of gross profits originating from transactions 
other than investment gains and losses. Unrealized investment gains and losses  
represent the amount of DAC that would have been amortized if such gains and    
losses had been recognized.                                                     

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

6.  INSURANCE                                                                   

VALUE OF DISTRIBUTION AGREEMENTS                                            

Information regarding VODA, which is reported in other assets, was as 
follows:                                                                        

                                                                [Download Table]

                                                           YEARS ENDED DECEMBER 31, 
                                                           ------------------------ 
                                                           2010      2009      2008 
                                                           ----      ----      ---- 
                                                                 (IN MILLIONS)      
                                                                                    
Balance at January 1,..................................... $155      $160      $164 
Amortization..............................................   (7)       (5)       (4)
                                                           ----      ----      ---- 
Balance at December 31,................................... $148      $155      $160 
                                                           ====      ====      ==== 


   The estimated future amortization expense allocated to other expenses for
the next five years for VODA is $8 million in 2011, $10 million in 2012, $11    
million in 2013, $12 million in 2014 and $12 million in 2015.                   

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,..................................... $450      $378      $355 
Capitalization............................................   98       122       106 
Amortization..............................................  (51)      (50)      (83)
                                                           ----      ----      ---- 
Balance at December 31,................................... $497      $450      $378 
                                                           ====      ====      ==== 


SEPARATE ACCOUNTS                                                           

  Separate account assets and liabilities consist of pass-through separate
accounts totaling $42.4 billion and $30.0 billion at December 31, 2010 and 2009,
respectively, for which the policyholder assumes all investment risk.           

   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 $743 million, $488 million and $469 million for the years ended December
31, 2010, 2009 and 2008, respectively.                                          

     For each of 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.                                                              

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"). 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.   

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

     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..................    $  21,840             N/A        $  15,705             N/A    
Net amount at risk (2)..................    $     415 (3)         N/A        $   1,018 (3)         N/A    
Average attained age of                                                                                   
  contractholders.......................     62 years             N/A         62 years             N/A    
ANNIVERSARY CONTRACT VALUE OR MINIMUM                                                                     
  RETURN                                                                                                  
Separate account value..................    $  23,624       $  30,613        $  16,393       $  22,157    
Net amount at risk (2)..................    $   1,378 (3)   $   3,523 (4)    $   2,170 (3)   $   4,158 (4)
Average attained age of                                                                                   
  contractholders.......................     64 years        62 years         63 years        61 years    

                                                        [Enlarge/Download Table]

                                                                   DECEMBER 31,          
                                                            -------------------------    
                                                               2010           2009       
                                                            ----------     ----------    
                                                             SECONDARY      SECONDARY    
                                                            GUARANTEES     GUARANTEES    
                                                            ----------     ----------    
                                                                  (IN MILLIONS)          
                                                                                         
UNIVERSAL AND VARIABLE LIFE CONTRACTS (1)                                                
Account value (general and separate account)...............  $   1,578      $   1,655    
Net amount at risk (2).....................................  $  29,454 (3)  $  34,768 (3)
Average attained age of policyholders......................   56 years       56 years    

--------                                                                        

 (1) The Company's annuity and life contracts with guarantees may offer more
 than one type of guarantee in each contract. Therefore, the amounts
listed above may not be mutually exclusive.                       

  (2) The net amount at risk is based on the direct and assumed 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.         

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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        
                                                  ANNUITY CONTRACTS         CONTRACTS          
                                             --------------------------   -------------        
                                             GUARANTEED     GUARANTEED                         
                                                DEATH     ANNUITIZATION     SECONDARY          
                                              BENEFITS       BENEFITS       GUARANTEES   TOTAL 
                                             ----------   -------------   -------------  ----- 
                                                                (IN MILLIONS)                  
                                                                                               
DIRECT                                                                                         
  Balance at January 1, 2008................    $ 28           $ 45            $ 28       $101 
     Incurred guaranteed benefits...........      66            176              24        266 
     Paid guaranteed benefits...............     (21)            --              --        (21)
                                                ----           ----            ----       ---- 
  Balance at December 31, 2008..............      73            221              52        346 
     Incurred guaranteed benefits...........      27             (6)            172        193 
     Paid guaranteed benefits...............     (45)            --              --        (45)
                                                ----           ----            ----       ---- 
  Balance at December 31, 2009..............      55            215             224        494 
     Incurred guaranteed benefits...........      23             66             246        335 
     Paid guaranteed benefits...............      (5)            --              --         (5)
                                                ----           ----            ----       ---- 
  Balance at December 31, 2010..............    $ 73           $281            $470       $824 
                                                ====           ====            ====       ==== 
CEDED                                                                                          
  Balance at January 1, 2008................    $ 28           $ 17            $ --       $ 45 
     Incurred guaranteed benefits...........      66             55              --        121 
     Paid guaranteed benefits...............     (21)            --              --        (21)
                                                ----           ----            ----       ---- 
  Balance at December 31, 2008..............      73             72              --        145 
     Incurred guaranteed benefits...........      27              2             142        171 
     Paid guaranteed benefits...............     (45)            --              --        (45)
                                                ----           ----            ----       ---- 
  Balance at December 31, 2009..............      55             74             142        271 
     Incurred guaranteed benefits...........      23             23             192        238 
     Paid guaranteed benefits...............      (5)            --              --         (5)
                                                ----           ----            ----       ---- 
  Balance at December 31, 2010..............    $ 73           $ 97            $334       $504 
                                                ====           ====            ====       ==== 
NET                                                                                            
  Balance at January 1, 2008................    $ --           $ 28            $ 28       $ 56 
     Incurred guaranteed benefits...........      --            121              24        145 
     Paid guaranteed benefits...............      --             --              --         -- 
                                                ----           ----            ----       ---- 
  Balance at December 31, 2008..............      --            149              52        201 
     Incurred guaranteed benefits...........      --             (8)             30         22 
     Paid guaranteed benefits...............      --             --              --         -- 
                                                ----           ----            ----       ---- 
  Balance at December 31, 2009..............      --            141              82        223 
     Incurred guaranteed benefits...........      --             43              54         97 
     Paid guaranteed benefits...............      --             --              --         -- 
                                                ----           ----            ----       ---- 
  Balance at December 31, 2010..............    $ --           $184            $136       $320 
                                                ====           ====            ====       ==== 


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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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...................................................... $21,558   $15,056
  Balanced....................................................  16,456    11,144
  Bond........................................................   1,941     1,251
  Money Market................................................     521       679
  Specialty...................................................     705       514
                                                               -------   -------
     Total.................................................... $41,181   $28,644
                                                               =======   =======


7.  REINSURANCE                                                                 

The Company 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 retains up to $100,000 per life and reinsures    
100% of amounts in excess of the Company's retention limits for most new        
individual life insurance policies and for certain individual life insurance    
policies the Company reinsures up to 90% of the mortality risk. 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 specific         
characteristics.                                                                

   The Company evaluates its reinsurance programs routinely and may increase
or decrease its retention at any time. The Company also reinsures the risk      
associated with secondary death benefit guarantees on certain universal life    
insurance policies to an affiliate.                                             

The Company reinsures 100% of the living and death benefit guarantees 
associated with its variable annuities issued since 2001 to an affiliated       
reinsurer. Under these reinsurance agreements, the Company pays a reinsurance   
premium generally based on fees associated with the guarantees collected from   
policyholders and receives reimbursement for benefits paid or accrued in excess 
of account values, subject to certain limitations. The Company also reinsures   
90% of its new production of fixed annuities to an affiliated reinsurer.        

The Company has exposure to catastrophes, which could contribute to   
significant fluctuations in the Company's results of operations. The Company    
uses excess of retention and quota share reinsurance agreements to provide      
greater diversification of risk and minimize exposure to larger risks.          

 The Company reinsures its 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 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 and funds withheld accounts. These reinsurance recoverable       
balances are stated net of allowances for uncollectible reinsurance, which at   
December 31, 2010 and 2009, were immaterial.                                    

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

The Company has secured certain reinsurance recoverable balances with 
various forms of collateral, including secured trusts and funds withheld        
accounts. The Company had $262 million and $173 million of unsecured            
unaffiliated reinsurance recoverable balances at December 31, 2010 and 2009,    
respectively.                                                                   

At December 31, 2010, the Company had $397 million of net unaffiliated
ceded reinsurance recoverables. Of this total, $337 million, or 85%, were with  
the Company's five largest unaffiliated ceded reinsurers, including $201 million
of which were unsecured. At December 31, 2009, the Company had $290 million of  
net unaffiliated ceded reinsurance recoverables. Of this total, $247 million, or
85%, were with the Company's five largest unaffiliated ceded reinsurers,        
including $130 million of which were unsecured.                                 

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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.......................................... $  562      $ 564      $ 259 
  Reinsurance assumed......................................     13         14         15 
  Reinsurance ceded........................................   (218)      (185)      (130)
                                                            ------      -----      ----- 
     Net premiums.......................................... $  357      $ 393      $ 144 
                                                            ======      =====      ===== 
UNIVERSAL LIFE AND INVESTMENT-TYPE PRODUCT POLICY FEES:                                  
  Direct universal life and investment-type product policy                               
     fees.................................................. $1,224      $ 834      $ 746 
  Reinsurance assumed......................................    120        115        196 
  Reinsurance ceded........................................   (353)      (204)      (308)
                                                            ------      -----      ----- 
     Net universal life and investment-type product policy                               
       fees................................................ $  991      $ 745      $ 634 
                                                            ======      =====      ===== 
OTHER REVENUES:                                                                          
  Direct other revenues.................................... $   63      $  39      $  44 
  Reinsurance assumed......................................     --         --         -- 
  Reinsurance ceded........................................    239        198         83 
                                                            ------      -----      ----- 
     Net other revenues.................................... $  302      $ 237      $ 127 
                                                            ======      =====      ===== 
POLICYHOLDER BENEFITS AND CLAIMS:                                                        
  Direct policyholder benefits and claims.................. $  944      $ 807      $ 677 
  Reinsurance assumed......................................     29          8         19 
  Reinsurance ceded........................................   (487)      (358)      (312)
                                                            ------      -----      ----- 
     Net policyholder benefits and claims.................. $  486      $ 457      $ 384 
                                                            ======      =====      ===== 
INTEREST CREDITED TO POLICYHOLDER ACCOUNT BALANCES:                                      
  Direct interest credited to policyholder account                                       
     balances.............................................. $  404      $ 377      $ 214 
  Reinsurance assumed......................................     64         64         57 
  Reinsurance ceded........................................    (55)       (32)       (22)
                                                            ------      -----      ----- 
     Net interest credited to policyholder account                                       
       balances............................................ $  413      $ 409      $ 249 
                                                            ======      =====      ===== 
OTHER EXPENSES:                                                                          
  Direct other expenses.................................... $  842      $ 465      $ 699 
  Reinsurance assumed......................................     90        105         97 
  Reinsurance ceded........................................     92         43         16 
                                                            ------      -----      ----- 
     Net other expenses.................................... $1,024      $ 613      $ 812 
                                                            ======      =====      ===== 


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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 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..... $ 9,778    $   40   $9,527       $  211   
Deferred policy acquisition costs...............   2,965       164     (486)       3,287   
                                                 -------    ------   ------       ------   
  Total assets.................................. $12,743    $  204   $9,041       $3,498   
                                                 =======    ======   ======       ======   
LIABILITIES:                                                                               
Future policy benefits.......................... $ 2,092    $   41   $   --       $2,051   
Other policy-related balances...................   2,120     1,435      508          177   
Other liabilities...............................   3,601        12    3,343          246   
                                                 -------    ------   ------       ------   
  Total liabilities............................. $ 7,813    $1,488   $3,851       $2,474   
                                                 =======    ======   ======       ======   


                                                        [Enlarge/Download Table]

                                                              DECEMBER 31, 2009            
                                                 ------------------------------------------
                                                  TOTAL                                    
                                                 BALANCE                      TOTAL, NET OF
                                                  SHEET    ASSUMED    CEDED    REINSURANCE 
                                                 -------   -------   ------   -------------
                                                                (IN MILLIONS)              
                                                                                           
ASSETS:                                                                                    
Premiums, reinsurance and other receivables.....  $6,972    $   30   $6,808       $  134   
Deferred policy acquisition costs...............   2,554       230     (402)       2,726   
                                                  ------    ------   ------       ------   
  Total assets..................................  $9,526    $  260   $6,406       $2,860   
                                                  ======    ======   ======       ======   
LIABILITIES:                                                                               
Future policy benefits..........................  $1,444    $   27   $   --       $1,417   
Other policy-related balances...................   1,817     1,393      284          140   
Other liabilities...............................   1,428         9    1,273          146   
                                                  ------    ------   ------       ------   
  Total liabilities.............................  $4,689    $1,429   $1,557       $1,703   
                                                  ======    ======   ======       ======   


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      
$4,308 million and $4,224 million, at December 31, 2010 and 2009, respectively. 
There were no deposit liabilities for assumed reinsurance at December 31, 2010  
and 2009.                                                                       

   The Company has reinsurance agreements with certain MetLife subsidiaries,
including MLIC, Exeter Reassurance Company, Ltd., General American Life         
Insurance Company, and MetLife Reinsurance Company of Vermont , all of which are
related parties.                                                                

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

RELATED PARTY REINSURANCE TRANSACTIONS                                      

    Information regarding the effect of affiliated reinsurance included in the
consolidated statements of operations was as follows:                           

                                                        [Enlarge/Download Table]

                                                              YEARS ENDED DECEMBER 31,  
                                                            --------------------------- 
                                                             2010       2009       2008 
                                                            -----      -----      ----- 
                                                                   (IN MILLIONS)        
                                                                                        
PREMIUMS:                                                                               
Reinsurance assumed........................................ $  13      $  14      $  15 
Reinsurance ceded (1)......................................  (190)      (164)      (114)
                                                            -----      -----      ----- 
     Net premiums.......................................... $(177)     $(150)     $ (99)
                                                            =====      =====      ===== 
UNIVERSAL LIFE AND INVESTMENT-TYPE PRODUCT POLICY FEES:                                 
Reinsurance assumed........................................ $ 120      $ 115      $ 196 
Reinsurance ceded (1)......................................  (279)      (151)      (266)
                                                            -----      -----      ----- 
     Net universal life and investment-type product policy                              
       fees................................................ $(159)     $ (36)     $ (70)
                                                            =====      =====      ===== 
OTHER REVENUES:                                                                         
Reinsurance assumed........................................ $  --      $  --      $  -- 
Reinsurance ceded..........................................   239        198         83 
                                                            -----      -----      ----- 
     Net other revenues.................................... $ 239      $ 198      $  83 
                                                            =====      =====      ===== 
POLICYHOLDER BENEFITS AND CLAIMS:                                                       
Reinsurance assumed........................................ $  29      $   8      $  19 
Reinsurance ceded (1)......................................  (323)      (219)      (249)
                                                            -----      -----      ----- 
     Net policyholder benefits and claims.................. $(294)     $(211)     $(230)
                                                            =====      =====      ===== 
INTEREST CREDITED TO POLICYHOLDER ACCOUNT BALANCES:                                     
Reinsurance assumed........................................ $  64      $  64      $  57 
Reinsurance ceded..........................................   (55)       (32)       (22)
                                                            -----      -----      ----- 
     Net interest credited to policyholder account                                      
       balances............................................ $   9      $  32      $  35 
                                                            =====      =====      ===== 
OTHER EXPENSES:                                                                         
Reinsurance assumed........................................ $  90      $ 105      $  97 
Reinsurance ceded..........................................    92         42         15 
                                                            -----      -----      ----- 
     Net other expenses.................................... $ 182      $ 147      $ 112 
                                                            =====      =====      ===== 


--------                                                                        

   (1) In September 2008, MICC's parent, MetLife, completed a tax-free split-off
of its majority owned subsidiary, Reinsurance Group of America,   
      Incorporated ("RGA"). After the split-off, reinsurance transactions with
    RGA were no longer considered affiliated transactions. For purposes of
     comparison, the 2008 affiliated transactions with RGA have been removed
    from the presentation in the table above. Affiliated transactions with
    RGA for the year ended December 31, 2008 include ceded premiums, ceded
fees and ceded benefits of $3 million, $8 million and $15 million,
respectively.                                                     

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

    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.......  $   40   $9,117    $   30   $6,505 
Deferred policy acquisition costs.................     164     (484)      230     (399)
                                                    ------   ------    ------   ------ 
  Total assets....................................  $  204   $8,633    $  260   $6,106 
                                                    ======   ======    ======   ====== 
LIABILITIES:                                                                           
Future policy benefits............................  $   41   $   --    $   27   $   -- 
Other policy-related balances.....................   1,435      508     1,393      284 
Other liabilities.................................      12    3,195         9    1,143 
                                                    ------   ------    ------   ------ 
  Total liabilities...............................  $1,488   $3,703    $1,429   $1,427 
                                                    ======   ======    ======   ====== 


The Company cedes risks to an affiliate related to guaranteed minimum 
benefit guarantees written directly by the Company. These ceded reinsurance     
agreements contain embedded derivatives and changes in their fair value were    
also 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 $930 million and $724 million at December  
31, 2010 and 2009, respectively. For the years ended December 31, 2010, 2009 and
2008, net derivative gains (losses) included ($7) million, ($1,452) million, and
$1,681 million, respectively, in changes in fair value of such embedded         
derivatives.                                                                    

   MLI-USA cedes two blocks of business to an affiliate on a 90% coinsurance
with funds withheld basis. Certain contractual features of this agreement       
qualify as embedded derivatives, which were separately accounted for at         
estimated fair value on the Company's consolidated balance sheets. The embedded 
derivative related to the funds withheld associated with this reinsurance       
agreement was included within other liabilities and increased the funds withheld
balance by $5 million at December 31, 2010 and decreased the funds withheld     
balance by $11 million at December 31, 2009. The changes in fair value of the   
embedded derivatives, included in net derivative gains (losses), were ($17)     
million, ($16) million and $27 million at December 31, 2010, 2009 and 2008,     
respectively. The reinsurance agreement also includes an experience refund      
provision, whereby some or all of the profits on the underlying reinsurance     
agreement were returned to MLI-USA from the affiliated reinsurer during the     
first several years of the reinsurance agreement. The experience refund reduced 
the funds withheld by MLI-USA from the affiliated reinsurer by $304 million and 
$180 million at December 31, 2010 and 2009, respectively, and were 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 $81 million, $36 million and $38 million at December 31, 2010, 2009  
and 2008, respectively, and was included in universal life and investment-type  
product policy fees in the consolidated statements of operations. At December   
31, 2010 and 2009, unearned revenue related to the experience refund was $560   
million and $337 million, respectively, and was included in other policy-related
balances in the consolidated balance sheets.                                    

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 $4.0 billion of unsecured    
affiliated reinsurance recoverable balances at both December 31, 2010 and 2009. 

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  

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

reinsurance were $4,172 million and $4,107 million, at December 31, 2010 and    
2009, respectively. There were no deposit liabilities for assumed affiliated    
reinsurance at December 31, 2010 and 2009.                                      

8.  LONG-TERM DEBT                                                              

  On December 23, 2010, Greater Sandhill I, LLC, an affiliate, issued to a
third party, long-term notes for $45 million maturing in 2030 with an interest  
rate of 7.028%, which was outstanding at December 31, 2010. The notes were      
issued in exchange for certain investments included in other invested assets. At
December 31, 2009, the Company had no outstanding long-term debt.               

  With prior approval of the Delaware Commissioner of Insurance ("Delaware
Commissioner"), in June 2008, the Company repaid a $400 million surplus note to 
MetLife, and $25 million and $10 million surplus notes to MetLife Investors     
Group, Inc.                                                                     

  Interest expense related to the Company's indebtedness included in other
expenses was less than $1 million and $13 million for the years ended December  
31, 2010 and 2008, respectively. The Company had no interest expense related to 
indebtedness for the year ended December 31, 2009.                              

9.  INCOME TAX                                                                  

The provision for income tax was as follows:                          

                                                        [Enlarge/Download Table]

                                                              YEARS ENDED DECEMBER 31,  
                                                             -------------------------- 
                                                             2010       2009       2008 
                                                             ----      -----      ----- 
                                                                    (IN MILLIONS)       
                                                                                        
Current:                                                                                
  Federal................................................... $(18)     $   8      $(131)
Deferred:                                                                               
  Federal...................................................  103       (193)       280 
                                                             ----      -----      ----- 
     Provision for income tax expense (benefit)............. $ 85      $(185)     $ 149 
                                                             ====      =====      ===== 


   The reconciliation of the income tax provision at the U.S. statutory rate
to the provision for income tax as reported was as follows:                     

                                                                [Download Table]

                                                                 YEARS ENDED     
                                                                 DECEMBER 31,    
                                                             ------------------- 
                                                             2010    2009   2008 
                                                             ----   -----   ---- 
                                                                (IN MILLIONS)    
                                                                                 
Tax provision at U.S. statutory rate........................ $132   $(134)  $174 
Tax effect of:                                                                   
  Tax-exempt investment income..............................  (43)    (33)   (21)
  Prior year tax............................................   --     (18)    (2)
  Tax credits...............................................   (4)     --     -- 
  Other, net................................................   --      --     (2)
                                                             ----   -----   ---- 
     Provision for income tax expense (benefit)............. $ 85   $(185)  $149 
                                                             ====   =====   ==== 


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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

  Deferred income tax represents the tax effect of the differences between
the book and tax basis of assets and liabilities. Net deferred income tax assets
and liabilities consisted of the following:                                     

                                                                [Download Table]

                                                                    DECEMBER 31, 
                                                                   --------------
                                                                   2010      2009
                                                                   ----      ----
                                                                    (IN MILLIONS)
                                                                                 
Deferred income tax assets:                                                      
  Policyholder liabilities and receivables........................ $243      $259
  Net unrealized investment losses................................   --        18
  Investments, including derivatives..............................   21        --
  Loss and credit carryforwards...................................  106       118
  Other...........................................................    1         2
                                                                   ----      ----
                                                                    371       397
                                                                   ----      ----
Deferred income tax liabilities:                                                 
  DAC.............................................................  892       777
  Net unrealized investment gains.................................   59        --
  Investments, including derivatives..............................   --        20
                                                                   ----      ----
                                                                    951       797
                                                                   ----      ----
     Net deferred income tax liability............................ $580      $400
                                                                   ====      ====


    Capital loss carryforwards of $64 million at December 31, 2010 will expire
beginning in 2011. Tax credit carryforwards of $83 million at December 31, 2010 
will expire beginning in 2014.                                                  

   The Company participates in a tax sharing agreement with MICC. Under this
agreement current federal income tax expense (benefit) is computed on a separate
return basis and provides that members shall make payments or receive           
reimbursements to the extent that their income (loss) contributes to or reduces 
consolidated federal tax expense. Pursuant to this tax sharing agreement, the   
amounts due from affiliates include $25 million and $137 million for 2010 and   
2008, respectively, and the amounts due to affiliates include $14 million for   
2009.                                                                           

Pursuant to Internal Revenue Service ("IRS") rules, MICC and its      
subsidiaries, including the Company, are excluded from MetLife's life/non-life  
consolidated federal tax return for the five years subsequent to MetLife's July 
2005 acquisition of MICC. In 2011, MICC and its subsidiaries, including the     
Company, are expected to join the consolidated return and become a party to the 
MetLife tax sharing agreement. Accordingly, the Company's losses will be        
eligible to be included in the consolidated return and the resulting tax savings
to MetLife will generate a payment to the Company for the losses used.          

   The Company files income tax returns with the U.S. federal government and
various state and local jurisdictions. The Company is under continuous          
examination by the 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 income tax examinations by tax  
authorities for years prior to 2003. The IRS exam of the next audit cycle, years
2003 to 2006, began in April 2010.                                              

     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                                                                      

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 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

public notice and comment, at which time insurance companies and other          
interested parties will have the opportunity to raise legal and practical       
questions about the content, scope and application of such regulations. As a    
result, the ultimate timing and substance of any such regulations are unknown at
this time. For the years ended December 31, 2010 and 2009, the Company          
recognized an income tax benefit of $28 million and $50 million, respectively,  
related to the separate account DRD. The 2010 benefit included an expense of $15
million related to a true-up of the 2009 tax return. The 2009 benefit included a
benefit of $17 million related to a true-up of the 2008 tax return.             

10.  CONTINGENCIES, COMMITMENTS AND GUARANTEES                                  

CONTINGENCIES                                                                   

LITIGATION                                                                  

Sales Practices Claims.  Over the past several years, the Company and 
certain of its affiliates have faced numerous claims, including class action    
lawsuits, alleging improper marketing or sales of individual life insurance     
policies, annuities, mutual funds or other products. The Company continues to   
vigorously defend against the claims in all pending matters. Some sales         
practices claims have been resolved through settlement. Other sales practices   
claims have been won by dispositive motions or have gone to trial. Additional   
litigation relating to the Company's marketing and sales of individual life     
insurance, annuities, mutual funds or other products may be commenced in the    
future.                                                                         

     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 MetLife
and other insurance carriers. MetLife received the subpoena on July 30, 2010.   
MetLife and its affiliates have received requests for documents and information 
from U.S. congressional committees and members, as well as various state        
regulatory bodies, including the New York Insurance 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 at the TCA, but management        
believes that the Company's 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.                      

     Various litigation, claims and assessments against the Company, in addition
to those discussed above and those otherwise provided for in the Company's      
financial statements, have arisen in the course of the Company's business.      
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, large and/or indeterminate amounts, including punitive  
and treble damages, may be 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    
pending investigations and legal proceedings are not likely to have such an     
effect. However, given the large and/or indeterminate amounts that may be sought
in certain 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 net income or cash flows in     
particular quarterly or annual periods.                                         

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

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.............  $ 2         $2 
Premium tax offsets currently available for paid assessments.......   --          1 
                                                                     ---         -- 
                                                                     $ 2         $3 
                                                                     ===         == 
Other Liabilities:                                                                  
Insolvency assessments.............................................  $ 3         $3 
                                                                     ===         == 


   Assessments levied against the Company were less than $1 million for each
of the years ended December 31, 2010, 2009 and 2008.                            

COMMITMENTS                                                                     

COMMITMENTS TO FUND PARTNERSHIP INVESTMENTS                                 

     The Company makes commitments to fund partnership investments in the normal
course of business. The amounts of these unfunded commitments were $435 million 
and $439 million 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 $80 million and less than $1    
million at December 31, 2010 and 2009, respectively.                            

COMMITMENTS TO FUND PRIVATE CORPORATE BOND INVESTMENTS                      

     The Company commits to lend funds under private corporate bond investments.
The amounts of these unfunded commitments were $66 million and $125 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 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                                                                     

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

limitations and those that arise by operation of law, such as applicable        
statutes of limitation. In some cases, the maximum potential obligation under   
the indemnities and guarantees is subject to a contractual limitation, while in 
other cases such limitations are not specified or applicable. Since certain of  
these obligations are not subject to limitations, the Company does not believe  
that it is possible to determine the maximum potential amount that could become 
due under these guarantees in the future. Management believes that it is        
unlikely the Company will have to make any material payments under these        
indemnities, guarantees, or commitments.                                        

     In addition, the Company indemnifies its directors and officers as provided
in its charters and by-laws. Also, the Company indemnifies its agents for       
liabilities incurred as a result of their representation of the Company's       
interests. Since these indemnities are generally not subject to limitation with 
respect to duration or amount, the Company does not believe that it is possible 
to determine the maximum potential amount that could become due under these     
indemnities in the future.                                                      

     The Company had no liability for indemnities, guarantees and commitments at
both December 31, 2010 and 2009.                                                

11.  EQUITY                                                                     

CAPITAL CONTRIBUTIONS                                                       

The Company received cash contributions of $0, $575 million and $985  
million from MICC during the years ended December 31, 2010, 2009 and 2008,      
respectively.                                                                   

STATUTORY EQUITY AND INCOME                                                 

MLI-USA'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. MLI-USA 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 Delaware Department of Insurance (the         
"Department") has adopted Statutory Codification with certain modifications for 
the preparation of statutory financial statements of insurance companies        
domiciled in Delaware. Modifications by state insurance departments may impact  
the effect of Statutory Codification on the statutory capital and surplus of    
MLI-USA.                                                                        

Statutory accounting principles differ from GAAP primarily by charging
policy acquisition costs to expense as incurred, establishing future policy     
benefit liabilities using different actuarial assumptions, reporting surplus    
notes as surplus instead of debt, reporting of reinsurance 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 MLI-USA are net deferred income tax assets resulting from temporary 
differences between statutory accounting principles basis and tax basis not     
expected to reverse and become recoverable within three years.                  

   Statutory net income (loss) of MLI-USA, a Delaware domiciled insurer, was
$2 million, ($24) million and ($482) million for the years ended December 31,   
2010, 2009 and 2008, respectively. Statutory capital and surplus, as filed with 
the Department, was $1,454 million and $1,406 million at December 31, 2010 and  
2009, respectively.                                                             

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

DIVIDEND RESTRICTIONS                                                       

 Under Delaware State Insurance Law, MLI-USA is permitted, without prior
insurance regulatory clearance, to pay a stockholder dividend to MICC as long as
the amount of the dividend, when aggregated with all other dividends in the     
preceding 12 months does not exceed the greater of: (i) 10% of its surplus to   
policyholders as of the end of the immediately preceding calendar year; or (ii) 
its statutory net gain from operations for the immediately preceding calendar   
year (excluding realized capital gains). MLI-USA will be permitted to pay a     
dividend to MICC in excess of the greater of such two amounts only if it files  
notice of the declaration of such a dividend and the amount thereof with the    
Delaware Commissioner and the Delaware Commissioner either approves the         
distribution of the dividend or does not disapprove the distribution within 30  
days of its filing. In addition, any dividend that exceeds earned surplus       
(defined as unassigned funds) as of the last filed annual statutory statement   
requires insurance regulatory approval. Under Delaware State Insurance Law, the 
Delaware Commissioner has broad discretion in determining whether the financial 
condition of a stock life insurance company would support the payment of such   
dividends to its shareholders. During the years ended December 31, 2010, 2009   
and 2008, MLI-USA did not pay dividends to MICC. Because MLI-USA's statutory    
unassigned funds was negative at December 31, 2010, MLI-USA cannot pay any      
dividends in 2011 without prior regulatory approval.                            

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..................................................... $ 346      $ 433      $(494)
Income tax effect of holding gains (losses)................  (122)      (153)       173 
Reclassification adjustments:                                                           
  Recognized holding (gains) losses included in current                                 
     year income...........................................   (29)        11         28 
  Amortization of premiums and accretion of discounts                                   
     associated with investments...........................   (18)       (16)       (11)
  Income tax effect........................................    17          2         (6)
Allocation of holding (gains) losses on investments                                     
  relating to other policyholder amounts...................   (80)       (59)        68 
Income tax effect of allocation of holding (gains) losses                               
  to other policyholder amounts............................    28         21        (24)
                                                            -----      -----      ----- 
  Other comprehensive income (loss)........................ $ 142      $ 239      $(266)
                                                            =====      =====      ===== 


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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

12.  OTHER EXPENSES                                                             

Information on other expenses was as follows:                         

                                                        [Enlarge/Download Table]

                                                              YEARS ENDED DECEMBER 31,   
                                                            ---------------------------- 
                                                             2010        2009       2008 
                                                            ------      -----      ----- 
                                                                    (IN MILLIONS)        
                                                                                         
Compensation............................................... $  221      $  86      $  74 
Commissions................................................    774        626        548 
Volume-related costs.......................................     92        270        339 
Affiliated interest costs on ceded reinsurance.............    102         47         35 
Capitalization of DAC......................................   (880)      (727)      (717)
Amortization of DAC........................................    423        196        509 
Interest expense on debt and debt issue costs..............     --         --         13 
Premium taxes, licenses & fees.............................     34         29         24 
Professional services......................................     13         --         -- 
Rent.......................................................     25         --         -- 
Other......................................................    220         86        (13)
                                                            ------      -----      ----- 
  Total other expenses..................................... $1,024      $ 613      $ 812 
                                                            ======      =====      ===== 


CAPITALIZATION AND AMORTIZATION OF DAC                                      

     See Note 5 for a rollforward of DAC including impacts of capitalization and
amortization.                                                                   

AFFILIATED EXPENSES                                                         

Commissions, capitalization of DAC and amortization of DAC include the
impact of affiliated reinsurance transactions.                                  

     See Notes 7, 8 and 13 for discussion of affiliated expenses included in the
table above.                                                                    

13.  RELATED PARTY TRANSACTIONS                                                 

SERVICE AGREEMENTS                                                          

The Company has entered into various agreements with affiliates for   
services necessary to conduct its activities. Typical services provided under   
these agreements include management, policy administrative functions, personnel,
investment advice and distribution services. For certain 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 $1,123 
million, $815 million and $675 million for the years ended December 31, 2010,   
2009                                                                            

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 METLIFE INVESTORS USA INSURANCE COMPANY
 (A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut)

 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)

and 2008, respectively. The aforementioned expenses and fees incurred with      
affiliates were comprised of the following:                                     

                                                        [Enlarge/Download Table]

                                                              YEARS ENDED DECEMBER 31,  
                                                             -------------------------- 
                                                              2010       2009      2008 
                                                             ------      ----      ---- 
                                                                    (IN MILLIONS)       
                                                                                        
Compensation................................................ $  220      $ 86      $ 73 
Commissions.................................................    507       400       322 
Volume-related costs........................................    134       249       308 
Professional services.......................................     13        --        -- 
Rent........................................................     25        --        -- 
Other.......................................................    224        80       (28)
                                                             ------      ----      ---- 
  Total other expenses...................................... $1,123      $815      $675 
                                                             ======      ====      ==== 


     Revenues received from affiliates related to these agreements were recorded
as follows:                                                                     

                                                        [Enlarge/Download Table]

                                                             YEARS ENDED DECEMBER 31,
                                                             ------------------------
                                                             2010      2009      2008
                                                             ----      ----      ----
                                                                   (IN MILLIONS)     
                                                                                     
Universal life and investment-type product policy fees......  $83       $59       $60
Other revenues..............................................  $63       $39       $32

 The Company had net receivables from affiliates of $104 million and $69
million at December 31, 2010 and 2009, respectively, related to the items       
discussed above. These amounts exclude affiliated reinsurance balances discussed
in Note 7. See Notes 2 and 7 for additional related party transactions.         

14.  SUBSEQUENT EVENT                                                           

   The Company evaluated the recognition and disclosure of subsequent events
for its December 31, 2010 consolidated financial statements.                    

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PART C  

OTHER INFORMATION 

ITEM 24. FINANCIAL STATEMENTS AND EXHIBITS                                      

                                                        [Enlarge/Download Table]
                                                                                              
a.   Financial Statements                                                                     
     -----------------------------------------------------------------------------------------

The following financial statements comprising each of the Sub-Accounts of the Separate        
Account are included in Part B hereof:                                                        

1.   Report of Independent Registered Public Accounting Firm.                                 

2.   Statements of Assets and Liabilities as of December 31, 2010.                            

3.   Statements of Operations for the year ended December 31, 2010.                           

4.   Statements of Changes in Net Assets for the years ended December 31, 2010 and 2009.      

5.   Notes to the Financial Statements.                                                       

The following financial statements of the Company are included in Part B hereof:              

1.   Report of Independent Registered Public Accounting Firm.                                 

2.   Balance Sheets as of December 31, 2010 and 2009.                                         

3.   Statements of Operations for the years ended December 31, 2010, 2009 and 2008.           

4.   Statements of Stockholder's Equity for the years ended December 31, 2010, 2009 and 2008. 

5.   Statements of Cash Flows for the years ended December 31, 2010, 2009 and 2008.           

6.   Notes to the Financial Statements.                                                       


                                                        [Enlarge/Download Table]
                                                                                                                   
b.         Exhibits                                                                                                
           --------------------------------------------------------------------------------------------------------

1.         Certification of Restated Resolution of Board of Directors of the Company authorizing the establishment 
           of the Separate Account (adopted May 18, 2004)(6)                                                       

2.         Not Applicable.                                                                                         

3. (i)     Principal Underwriter's and Selling Agreement (effective January 1, 2001)(6)                            

   (ii)    Amendment to Principal Underwriter's and Selling Agreement (effective January 1, 2002)(6)               

   (iii)   Form of Retail Sales Agreement (MLIDC 7-1-05 (LTC)) (12)                                                

   (iv)    Agreement and Plan of merger (12-01-04) (MLIDC into GAD)(13)                                            

   (v)     Form of Enterprise Selling Agreement 02-10 (MetLife Investors Distribution Company Sales                
           Agreement)(22)                                                                                          

4. (i)     Individual Flexible Purchase Payment Deferred Variable Annuity Contract(1)                              

   (ii)    Enhanced Dollar Cost Averaging Rider(1)                                                                 

   (iii)   Three Month Market Entry Rider(1)                                                                       

   (iv)    Death Benefit Rider - Principal Protection(1)                                                           

   (v)     Death Benefit Rider - Compounded-Plus(1)                                                                

   (vi)    Death Benefit Rider - (Annual Step-Up)(1)                                                               

   (vii)   Guaranteed Minimum Income Benefit Rider - (Living Benefit)(1)                                           

   (viii)  Additional Death Benefit Rider - (Earnings Preservation Benefit)(1)                                     

   (ix)    Waiver of Withdrawal Charge for Nursing Home or Hospital Confinement Rider(1)                           

   (x)     Terminal Illness Rider(1)                                                                               

   (xi)    Individual Retirement Annuity Endorsement(1)                                                            

   (xii)   Roth Individual Retirement Annuity Endorsement(1)                                                       

   (xiii)  401 Plan Endorsement(1)                                                                                 

   (xiv)   Tax Sheltered Annuity Endorsement(1)                                                                    

   (xv)    Unisex Annuity Rates Rider(1)                                                                           


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   (xvi)      Endorsement (Name Change - effective March 1, 2001. MetLife Investors USA Insurance Company;  
              formerly Security First Life Insurance Company)(3)                                            

   (xvii)     Form of Guaranteed Minimum Income Benefit Rider - (Living Benefit) (GMIB II 03/03)(5)         

   (xviii)    Form of Guaranteed Withdrawal Benefit Rider - (GWB) MLIU-690-1 (7/04)(6)                      

   (xix)      Form of Contract Schedule [Series C, L, VA, or XC] 8028-2 (7/04)(6)                           

   (xx)       Individual Retirement Annuity Endorsement 8023.1 (9/02)(6)                                    

   (xxi)      Roth Individual Retirement Annuity Endorsement 9024.1 (9/02)(6)                               

   (xxii)     401(a)/403(a) Plan Endorsement 8025.1 (9/02)(6)                                               

   (xxiii)    Tax Sheltered Annuity Endorsement 8026.1 (9/02)(6)                                            

   (xxiv)     Simple Individual Retirement Annuity Endorsement 8276 (9/02)(6)                               

   (xxv)      Form of Guaranteed Minimum Income Benefit Rider (GMIB Plus or GMIB III) 8018-2(05/05)(7)      

   (xxvi)     Form of Enhanced Dollar Cost Averaging Rider 8013-1 (05/05)(7)                                

   (xxvii)    Form of Three Month Market Entry Rider 8104-1 (05/05)(7)                                      

   (xxviii)   Form of Contract Schedule (GMIB Plus or GMIB III) 8028-3 (5/05)(8)                            

   (xxix)     Guaranteed Withdrawal Benefit Endorsement - (EGWB) MLIU-GWB (11/05)-E(9)                      

   (xxx)      Guaranteed Withdrawal Benefit Rider - (GWB) MLIU-690-2 (11/05)(9)                             

   (xxxi)     Form of Contract Schedule (GMAB) 8028-4 (11/05)(10)                                           

   (xxxii)    Form of Guaranteed Minimum Accumulation Benefit Rider (GMAB) MLIU-670-1 (11/05)(9)            

   (xxxiii)   Designated Beneficiary Non-Qualified Annuity Endorsement MLIU-NQ-1 (11/05)-I(10)              

   (xxxiv)    Lifetime Guaranteed Withdrawal Benefit Rider MLIU-690-3 (LGWB I) ((6/06)(12)                  

   (xxxv)     Form of Contract Schedule 8028-5 (6/06) (LWGB I)(12)                                          

   (xxxvi)    Fixed Account Rider 8102 (11/00)(13)                                                          

   (xxxvii)   Guaranteed Minimum Death Benefit (GMDB) Rider MLIU-640-1 (4/08)(16)                           

   (xxxviii)  Form of Contract Schedule Guaranteed Minimum Death Benefit (GMDB) Rider MLIU-EDB (4/08)(16)   

   (xxxix)    Guaranteed Minimum Income Benefit Rider Living Benefit MLIU-560-4 (4/08)(GMIB Plus II)(16)    

   (xl)       Form of Contract Schedule Guaranteed Minimum Income Benefit (GMIB) Rider MLIU-EGMIB (4/08)    
              (GMIB Plus II)(21)                                                                            

   (xli)      Lifetime Guaranteed Withdrawal Benefit Rider MLIU-690-4 (4/08)(LWG II)(16)                    

   (xlii)     Form of Contract Schedule Lifetime Guaranteed Withdrawal Benefit MLIU-EGWB (4/08) (LWG II)(18)

   (xliii)    Form of Spousal Continuation Endorsement MLIU-GMIB (2/10)-E(22)                               

   (xliv)     Form of Qualified Distribution Program Endorsement MLIU-RMD (7/10)-E (23)                     

   (xlv)      Form of Tax-Sheltered Annuity Endorsement MLIU-398-3 (12/08) (24)                             

   (xlvi)     Form of Contract Schedule 8028-6 (9/10) (TV GMIB/EDB Max) (24)                                

5. (i)        Form of Variable Annuity Application(2)                                                       

   (ii)       Form of Variable Annuity Application 8029 (7/04) APPVA-504USAVA(6)                            

   (iii)      Form of Variable Annuity Application 8029 (1/05) APPAVA105USAVA(7)                            

   (iv)       Form of Variable Annuity Application 8029 (4/05) APPVA1105USAVA (9)                           

   (v)        Form of Variable Annuity Application 8029 (1/06) APPVAUSAVA 606(12)                           

   (vi)       Form of Variable Annuity Application 8029 (10/07) APPUSAVA April 2008(17)                     

   (vii)      Form of Variable Annuity Application 8029 (10/07) APPUSAVA May 2011 (filed herewith)          

6. (i)        Copy of Restated Articles of Incorporation of the Company(6)                                  

   (ii)       Copy of the Bylaws of the Company(6)                                                          

   (iii)      Certificate of Amendment of Certificate of Incorporation filed 10/01/79 and signed 9/27/79(6) 


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      (iv)    Certificate of Change of Location of Registered Office and/or Registered Agent filed 2/26/80 and     
              effective 2/8/80(6)                                                                                  

      (v)     Certificate of Amendment of Certification of Incorporation signed 4/26/83 and certified 2/12/85(6)   

      (vi)    Certificate of Amendment of Certificate of Incorporation filed 10/22/84 and signed 10/19/84(6)       

      (vii)   Certificate of Amendment of Certificate of Incorporation certified 8/31/94 and adopted 6/13/94(6)    

      (viii)  Certificate of Amendment of Certificate of Incorporation of Security First Life Insurance Company    
              (name change to MetLife Investors USA Insurance Company) filed 1/8/01 and signed 12/18/00(6)         

7.    (i)     Reinsurance Agreement between MetLife Investors USA Insurance Company and Metropolitan Life          
              Insurance Company(4)                                                                                 

      (ii)    Automatic Reinsurance Agreement between MetLife Investors USA Insurance Company and Exeter           
              Reassurance Company, Ltd.(4)                                                                         

      (iii)   Reinsurance Agreement and Administrative Services Agreement between MetLife Investors USA            
              Insurance Company and Metropolitan Life Insurance Company (effective 01-01-06)(17)                   

8.    (i)     Form of Participation Agreement Among Metropolitan Series Fund, Inc., Metropolitan Life Insurance    
              Company and Security First Life Insurance Company(3)                                                 

      (ii)    Participation Agreement Among Met Investors Series Trust, Met Investors Advisory Corp., MetLife      
              Investors Distribution Company and MetLife Investors USA Insurance Company (effective 2-12-01)(6)    

      (iii)   Participation Agreement Among Metropolitan Series Fund, Inc., MetLife Advisors, LLC, Metropolitan    
              Life Insurance Company and MetLife Investors USA Insurance Company (effective 07-01-04)(11)          

      (iv)    Participation Agreement Among Metropolitan Series Fund, Inc., MetLife Advisors, LLC, MetLife         
              Securities, Inc. and MetLife Investors USA Insurance Company (effective 04-30-07)(13)                

      (v)     Participation Agreement Among Metropolitan Series Fund, Inc., MetLife Advisers, LLC, MetLife         
              Investors Distribution Company and MetLife Investors USA Insurance Company (effective                
              08-31-07)(15)                                                                                        

      (vi)    First Amendment to Participation Agreement (effective 02-12-01) Among Met Investors Series Trust,    
              Met Investors Advisory Corp., MetLife Investors Distribution Company and MetLife Investors USA       
              Insurance Company (effective 02-01-08); and Second Amendment to the Participation Agreement          
              (effective 02-12-01) Among Met Investors Series Trust, MetLife Advisers, LLC, MetLife Investors      
              Distribution Company and MetLife Investors USA Insurance Company (effective 05-01-09)(19)            

9.            Opinion of Counsel(14)                                                                               

10.           Consent of Independent Registered Public Accounting Firm (Deloitte & Touche LLP) (filed herewith)    

11.           Not Applicable.                                                                                      

12.           Not Applicable.                                                                                      

13.           Powers of Attorney for Michael K. Farrell, Jay S. Kaduson, Susan A. Buffum, Elizabeth M. Forget,     
              James J. Reilly, Paul A. Sylvester, Bennett D. Kleinberg, George Foulke, Kevin J. Paulson, Robert E. 
              Sollmann, Jr. and Jeffrey A. Tupper (filed herewith)                                                 

 (1)          incorporated herein by reference to Registrant's Form N-4 (File Nos. 333-54464 and 811-03365) filed  
              electronically on January 26, 2001.                                                                  

 (2)          incorporated herein by reference to Registrant's Pre-Effective Amendment No. 2 to Form N-4 (File Nos.
              333-54464 and 811-03365) filed electronically on March 21, 2001.                                     

 (3)          incorporated herein by reference to Registrant's Post-Effective Amendment No. 1 to Form N-4 (File    
              Nos. 333-54464 and 811-03365) filed electronically on April 13, 2001.                                

 (4)          incorporated herein by reference to Registrant's Post-Effective Amendment No. 4 to Form N-4 (File    
              Nos. 333-54464 and 811-03365) filed electronically on April 30, 2003.                                

 (5)          incorporated herein by reference to Registrant's Post-Effective Amendment No. 5 to Form N-4 (File    
              Nos. 333-54464 and 811-03365) filed electronically on April 27, 2004.                                

 (6)          incorporated herein by reference to Registrant's Post-Effective Amendment No. 6 to Form N-4 (File    
              Nos. 333-54464 and 811-03365) filed electronically on July 15, 2004.                                 

 (7)          incorporated herein by reference to Registrant's Post-Effective Amendment No. 8 to Form N-4 (File    
              Nos. 333-54464 and 811-03365) filed electronically on January 18, 2005.                              


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   (8) incorporated herein by reference to Registrant's Post-Effective Amendment No. 11 to Form N-4 (File   
       Nos. 333-54464 and 811-03365) filed electronically on April 26, 2005.                                

   (9) incorporated herein by reference to Registrant's Post-Effective Amendment No. 12 to Form N-4 (File   
       Nos. 333-54464 and 811-03365) filed electronically on July 13, 2005.                                 

(10)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 13 to Form N-4 (File   
       Nos. 333-54464 and 811-03365) filed electronically on September 9, 2005.                             

(11)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 14 to Form N-4 (File   
       Nos. 333-54464 and 811-03365) filed electronically on October 7, 2005.                               

(12)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 19 to Form N-4 (File   
       Nos. 333-54464 and 811-03365) filed electronically on April 24, 2006.                                

(13)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 18 to Form N-4 (File   
       Nos. 333-54466 and 811-03365) filed electronically on April 16, 2007.                                

(14)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 23 to Form N-4 (File   
       Nos. 333-54464 and 811-03365) filed electronically on April 16, 2007.                                

(15)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 26 to Form N-4 (File   
       Nos. 333-54464 and 811-03365) filed electronically on October 31, 2007.                              

(16)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 27 to Form N-4 (File   
       Nos. 333-54464 and 811-03365) filed electronically on December 21, 2007.                             

(17)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 31 to Form N-4 (File   
       Nos. 333-54464 and 811-03365) filed electronically on April 15, 2008.                                

(18)   incorporate herein by reference to Registrant's Pre-Effective Amendment No. 1 to Form N-4 (File      
       Nos.333-152385 and 811-03365) filed electronically on October 28, 2008.                              

(19)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 33 to Form N-4 (File   
       Nos. 333-54466 and 811-03365) filed electronically on April 22, 2009.                                

(20)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 35 to Form N-4 (File   
       Nos. 333-54464 and 811-03365) filed electronically on April 22, 2009.                                

(21)   incorporated herein by reference to Registrant's Pre-Effective Amendment No. 1 to Form N-4 (File Nos.
       333-156648 and 811-03365) filed electronically on January 9, 2009.                                   

(22)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 35 to Form N-4 (File   
       Nos. 333-54466 and 811-03365) filed electronically on April 22, 2010.                                

(23)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 6 to Form N-4 (File    
       Nos. 333-152385 and 811-03365) filed electronically on June 11, 2010.                                

(24)   incorporated herein by reference to Registrant's Post-Effective Amendment No. 3 to Form N-4 (File    
       Nos. 333-156648 and 811-03365) filed electronically on March 22, 2011.                               


ITEM 25. DIRECTORS AND OFFICERS OF THE DEPOSITOR                                

The following are the Officers and Directors who are engaged directly or        
indirectly in activities relating to the Registrant or the variable annuity     
contracts offered by the Registrant and the executive officers of the Company:  

                                                        [Enlarge/Download Table]

Name and Principal Business Address  Positions and Offices with Depositor                     

                                                                                              
  Michael K. Farrell                 Chairman of the Board, President, Chief Executive Officer
  10 Park Avenue                                                                              
  Morristown, NJ 07962                                                                        

  Susan A. Buffum                    Director                                                 
  10 Park Avenue                                                                              
  Morristown, NJ 07962                                                                        

  James J. Reilly                    Vice President-Finance (principal financial officer and  
  501 Boylston Street                principal accounting officer)                            
  Boston, MA 02116                                                                            

  Jay S. Kaduson                     Director and Vice President                              
  10 Park Avenue                                                                              
  Morristown, NY 07962                                                                        


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Name and Principal Business Address   Positions and Offices with Depositor  

                                                                            

  Bennett D. Kleinberg                Director and Vice President           
  1300 Hall Boulevard                                                       
  Bloomfield, CT 06002-2910                                                 

  Elizabeth M. Forget                 Director and Executive Vice President 
  1095 Avenue of the Americas                                               
  New York, NY 10036                                                        

  George Foulke                       Director                              
  334 Madison Avenue                                                        
  Covenant Station, NJ 07961                                                

  Robert E. Sollmann, Jr.             Director and Executive Vice President 
  1095 Avenue of the Americas                                               
  New York, NY 10036                                                        

  Paul A. Sylvester                   Director                              
  10 Park Avenue                                                            
  Morristown, NJ 07962                                                      

  Kevin J. Paulson                    Director and Senior Vice President    
  4700 Westown Parkway                                                      
  Suite 200                                                                 
  West Des Moines, IA 50266                                                 

  Jeffrey A. Tupper                   Director and Assistant Vice President 
  5 Park Plaza                                                              
  Suite 1900                                                                
  Irvine, CA 92614                                                          

  Isaac Torres                        Secretary                             
  1095 Avenue of the Americas                                               
  New York, NY 10036                                                        

  Debora L. Buffington                Vice President, Director of Compliance
  5 Park Plaza                                                              
  Suite 1900                                                                
  Irvine, CA 92614                                                          

  Thomas G. Hogan, Jr.                Vice President                        
  400 Atrium Drive                                                          
  Somerset, NJ 08837                                                        

  Enid M. Reichert                    Vice President, Appointed Actuary     
  501 Route 22                                                              
  Bridgewater, NJ 08807                                                     

  Jonathan L. Rosenthal               Vice President, Chief Hedging Officer 
  10 Park Avenue                                                            
  Morristown, NJ 07962                                                      

  Christopher A. Kremer               Vice President                        
  501 Boylston Street                                                       
  Boston, MA 02116                                                          

  Marian J. Zeldin                    Vice President                        
  300 Davidson Avenue                                                       
  Somerset, NJ 08873                                                        

  Karen A. Johnson                    Vice President                        
  501 Boylston Street                                                       
  Boston, MA 02116                                                          

  Roberto Baron                       Vice President                        
  1095 Avenue of the Americas                                               
  New York, NY 10036                                                        

  Paul L. LeClair                     Vice President                        
  501 Boylston Street                                                       
  Boston, MA 02116                                                          

  Gregory E. Illson                   Vice President                        
  501 Boylston Street                                                       
  Boston, MA 02116                                                          


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Name and Principal Business Address     Positions and Offices with Depositor

                                                                            
  George Luecke                         Vice President, Annuity Finance     
  1095 Avenue of the Americas                                               
  New York, NY 10036                                                        

  Lisa S. Kuklinski                     Vice President                      
  1095 Avenue of the Americas                                               
  New York, NY 10036                                                        

  Jeffrey P. Halperin                   Vice President                      
  1095 Avenue of the Americas                                               
  New York, NY 10036                                                        

  Steven J. Goulart                     Treasurer                           
  10 Park Avenues                                                           
  Morristown, NJ 07962                                                      

  Mark S. Reilly                        Vice President                      
  1300 Hall Boulevard                                                       
  Bloomfield, CT 06002-2910                                                 

  Gene L. Lunman                        Vice President                      
  1300 Hall Boulevard                                                       
  Bloomfield, CT 06002-2910                                                 

  Robert L. Staffier                    Vice President                      
  501 Boylston Street                                                       
  Boston, MA 02116                                                          

  Scott E. Andrews                      Vice President                      
  4700 Westown Pkwy., Suite 200                                             
  West Des Moines, IA 50266                                                 

  Tia M. Trytten                        Vice President                      
  4700 Westown Pkwy., Suite 200                                             
  West Des Moines, IA 50266                                                 

  Rashid Ismail                         Vice President                      
  5 Park Plaza, Suite 1900                                                  
  Irvine, CA 92614                                                          

  Manish P. Bhatt                       Vice President                      
  501 Route 22                                                              
  Bridgewater, NJ 08807                                                     

  Sebastian J. Janssen                  Vice President                      
  501 Route 22                                                              
  Bridgewater, NJ 08807                                                     

  Michael F. Rogalski                   Vice President                      
  485-B US Highway 1 South                                                  
  Iselin, NJ 08830                                                          

  William J. Raczko                     Vice President                      
  501 Route 22                                                              
  Bridgewater, NJ 08807                                                     

  William D. Cammarata                  Vice President                      
  18210 Crane Nest Drive                                                    
  Tampa, FL 33647                                                           


ITEM 26. PERSONS CONTROLLED BY OR UNDER COMMON CONTROL WITH THE DEPOSITOR OR    
REGISTRANT                                                        

The Registrant is a separate account of MetLife Investors USA Insurance 
Company under Delaware insurance law. MetLife Investors USA Insurance Company   
is a wholly-owned direct subsidiary of MetLife Insurance Company of Connecticut 
which in turn is a direct subsidiary of MetLife, Inc., a publicly traded        
company. The following outline indicates those entities that are controlled by  
MetLife, Inc. or are under the common control of MetLife, Inc. No person is     
controlled by the Registrant.                                                   

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ORGANIZATIONAL STRUCTURE OF METLIFE, INC. AND SUBSIDIARIES
       AS OF 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)      

 5

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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.                                                                        

 6

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ITEM 27. NUMBER OF CONTRACT OWNERS                                              

As of January 31, 2011, there were 63,931 qualified contract owners and 
30,095 non-qualified contract owners of Series VA contracts.                    

ITEM 28. INDEMNIFICATION                                                        

  The Depositor's parent, 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 and Corporate            
Reimbursement Insurance Policy with limits of $400 million under which the      
Depositor and MetLife Investors Distribution Company, the Registrant's          
underwriter (the "underwriter"), as well as certain other subsidiaries of       
MetLife are covered. A provision in Metlife, Inc.'s by-laws provides for the    
indemnification (under certain circumstances) of individuals serving as         
directors or officers of certain organizations, including the Depositor and the 
Underwriter.                                                                    

A director of the corporation shall not be personally liable to the     
corporation or its stockholders for monetary damages for breach of fiduciary    
duty as a director, except for liability (i) for any breach of the director's   
duty of loyalty to the corporation or its stockholders, (ii) for acts or        
omissions not in good faith or which would involve intentional misconduct or a  
knowing violation of law, (iii) under Section 174 of the Delaware General       
Corporation Law, or (iv) for any transaction from which the director derived    
any improper personal benefit. The foregoing sentence notwithstanding, if the   
Delaware General Corporation Law hereafter is amended to authorized further     
limitations of the liability of a director of a corporation, then a director of 
the corporation, in addition to the circumstances in which a director is not    
personally liable as set forth in the preceding sentence, shall be held free    
from liability to the fullest extent permitted by the Delaware General          
Corporation Law as so amended. Any repeal or modification of the foregoing      
provisions of this Article 7 by the stockholders of the corporation shall not   
adversely affect any right or protection of a director of the corporation       
existing at the time of such repeal or modification.                            

 Insofar as indemnification for liability arising under the Securities Act
of 1933 may be permitted to directors and officers or controlling persons of    
the Company pursuant to the foregoing, or otherwise, the Company has been       
advised that in the opinion of the Securities and Exchange Commission such      
indemnification is against public policy as expressed in the Act and is,        
therefore, unenforceable. In the event that a claim for indemnification against 
such liabilities (other than the payment by the Company of expenses incurred or 
paid by a director, officer or controlling person of the Company in the         
successful defense of any action, suit or proceeding) is asserted by such       
director, officer or controlling person in connection with the securities being 
registered, the Company will, unless in the opinion of its counsel the matter   
has been settled by controlling precedent, submit to a court of appropriate     
jurisdiction the question whether such indemnification by it is against public  
policy as expressed in the Act and will be governed by the final adjudication   
of such issue.                                                                  

ITEM 29. PRINCIPAL UNDERWRITERS                                                 

(a)      MetLife Investors Distribution Company is the principal underwriter
for the following investment companies (other than Registrant):   

Met Investors Series Trust                                                      
MetLife Investors USA Variable Life Account A                                   
MetLife Investors Variable Annuity Account One                                  
MetLife Investors Variable Life Account One                                     
First MetLife Investors Variable Annuity Account One                            
General American Separate Account Eleven                                        
General American Separate Account Twenty-Eight                                  
General American Separate Account Twenty-Nine                                   
General American Separate Account Two                                           
Security Equity Separate Account Twenty-Six                                     
Security Equity Separate Account Twenty-Seven                                   
MetLife of CT Separate Account QPN for Variable Annuities                       
MetLife of CT Fund UL for Variable Life Insurance                               
MetLife of CT Fund UL III for Variable Life Insurance                           
Metropolitan Life Variable Annuity Separate Account II                          
MetLife of CT Separate Account Eleven for Variable Annuities                    
Metropolitan Life Separate Account E                                            
Metropolitan Life Separate Account UL                                           
Paragon Separate Account A                                                      
Paragon Separate Account B                                                      
Paragon Separate Account C                                                      
Paragon Separate Account D                                                      
Metropolitan Series Fund, Inc.                                                  

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Metropolitan Tower Life Separate Account One                                    
Metropolitan Tower Life Separate Account Two                                    

(b)      MetLife Investors Distribution Company is the principal underwriter
     for the Contracts. The following persons are the officers and directors
of MetLife Investors Distribution Company. The principal business 
 address for MetLife Investors Distribution Company is 5 Park Plaza,
Suite 1900, Irvine, CA 92614.                                     

                                                        [Enlarge/Download Table]

NAME AND PRINCIPAL BUSINESS ADDRESS    POSITIONS AND OFFICES WITH UNDERWRITER                              
-------------------------------------  --------------------------------------------------------------------

                                                                                                           
Michael K. Farrell                     Director                                                            
10 Park Avenue                                                                                             
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, NY 10036                                                                                         

Paul A. Sylvester                      President, National Sales Manager-Annuities & LTC                   
10 Park Avenue                                                                                             
Morristown, NJ 07962                                                                                       

Elizabeth M. Forget                    Executive Vice President                                            
1095 Avenue of the Americas                                                                                
New York, NY 10036                                                                                         

Paul A. LaPiana                        Executive Vice President, National Sales Manager-Life               
5 Park Plaza, Suite 1900                                                                                   
Irvine, CA 92614                                                                                           

Andrew G. Aiello                       Senior Vice President, Channel Head-National Accounts               
5 Park Plaza, Suite 1900                                                                                   
Irvine, CA 92614                                                                                           

Jeffrey A. Barker                      Senior Vice President, Channel Head-Independent Accounts            
1 MetLife Plaza                                                                                            
27-01 Queens Plaza North                                                                                   
Long Island City, NY 11101                                                                                 

Curtis Wohlers                         Senior Vice President, National Sales Manager, Independent Planners 
1300 Hall Boulevard                    and Insurance Advisors                                              
Bloomfield, CT 06002                                                                                       

Jay S. Kaduson                         Senior Vice President                                               
10 Park Avenue                                                                                             
Morristown, NJ 07962                                                                                       

Isaac Torres                           Secretary                                                           
1095 Avenue of the Americas                                                                                
New York, NY 10036                                                                                         

Steven J. Goulart                      Treasurer                                                           
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                                                                                           

Rashid Ismail                          Vice President                                                      
5 Park Plaza, Suite 1900                                                                                   
Irvine, CA 92614                                                                                           


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                                                                [Download Table]

NAME AND PRINCIPAL BUSINESS ADDRESS     POSITIONS AND OFFICES WITH UNDERWRITER 
-------------------------------------   ---------------------------------------

                                                                               
Paul M. Kos                             Vice President                         
5 Park Plaza, Suite 1900                                                       
Irvine, CA 92614                                                               

Cathy A. Sturdivant                     Vice President                         
5 Park Plaza, Suite 1900                                                       
Irvine, CA 92614                                                               

Paulina Vakouros                        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]

                   (1)                           (2)              (3)            (4)           (5)     
                                           Net Underwriting                                            
                                            Discounts And     Compensation    Brokerage       Other    
Name of Principal Underwriter                Commissions     On Redemption   Commissions   Compensation
----------------------------------------- ----------------- --------------- ------------- -------------

                                                                                                       
 MetLife Investors Distribution Company     $619,759,806         $0             $0            $0       


ITEM 30. LOCATION OF ACCOUNTS AND RECORDS                                       

  The following companies will maintain possession of the documents required
by Section 31(a) of the Investment Company Act of 1940 and the Rules            
thereunder:                                                                     

(a) Registrant                                                          

 (b) MetLife Annuity Operations, 4700 Westown Parkway, Bldg. 4, Suite 200,
West Des Moines, IA 50266                                                       

(c) State Street Bank & Trust Company, 225 Franklin Street, Boston, MA  
02110                                                                           

(d) MetLife Investors Distribution Company, 5 Park Plaza, Suite 1900,   
Irvine, CA 92614                                                                

(e) MetLife Investors USA Insurance Company, 5 Park Plaza, Suite 1900,  
Irvine, CA 92614                                                                

(f) MetLife, 18210 Crane Nest Drive, Tampa, FL 33647                    

(g) MetLife, 501 Boylston Street, Boston, MA 02116                      

(h) MetLife, 200 Park Avenue, New York, NY 10166                        

(i) MetLife, 1125 17th Street, Denver, CO 80202                         

ITEM 31. MANAGEMENT SERVICES                                                    

Not Applicable.                                                         

ITEM 32. UNDERTAKINGS                                                           

  a. Registrant hereby undertakes to file a post-effective amendment to this
registration statement as frequently as is necessary to ensure that the audited 
financial statements in the registration statement are never more than sixteen  
(16) months old for so long as payment under the variable annuity contracts may 
be accepted.                                                                    

b. Registrant hereby undertakes to include either (1) as part of any    
application to purchase a contract offered by the Prospectus, a space that an   
applicant can check to request a Statement of Additional Information, or (2) a  
postcard or similar written communication affixed to or included in the         
Prospectus that the applicant can remove to send for a Statement of Additional  
Information.                                                                    

c. Registrant hereby undertakes to deliver any Statement of Additional  
Information and any financial statement required to be made available under     
this Form promptly upon written or oral request.                                

REPRESENTATIONS 

  MetLife Investors USA Insurance Company ("Company") hereby represents that
the fees and charges deducted under the Contracts described in the Prospectus,  
in the aggregate, are reasonable in relation to the services rendered, the      
expenses to be incurred and the risks assumed by the Company.                   

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The Company hereby represents that it is relying upon the Securities and
Exchange Commission No-Action Letter issued to the American Council of Life     
Insurance dated November 28, 1988 (Commission ref. IP-6-88) and that the        
following provisions have been complied with:                                   

1. Include appropriate disclosure regarding the redemption restrictions 
imposed by Section 403(b)(11) in each registration statement, including the     
prospectus, used in connection with the offer of the contract;                  

2. Include appropriate disclosure regarding the redemption restrictions 
imposed by Section 403(b)(11) in any sales literature used in connection with   
the offer of the contract;                                                      

  3. Instruct sales representatives who solicit participants to purchase the
contract specifically to bring the redemption restrictions imposed by Section   
403(b)(11) to the attention of the potential participants;                      

4. Obtain from each plan participant who purchases a Section 403(b)     
annuity contract, prior to or at the time of such purchase, a signed statement  
acknowledging the participant's understanding of (1) the restrictions on        
redemption imposed by Section 403(b)(11), and (2) other investment alternatives 
available under the employer's Section 403(b) arrangement to which the          
participant may elect to transfer his contract value.                           

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SIGNATURES

As required by the Securities Act of 1933 and the Investment Company Act
of 1940, the Registrant 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 Boston   
and Commonwealth of Massachusetts, on this 20th day of April 2011.              

                                                                [Download Table]
                                              
METLIFE INVESTORS USA SEPARATE ACCOUNT A      
(Registrant)                                  

By:   METLIFE INVESTORS USA INSURANCE COMPANY 
By:   /s/ James J. Reilly                     
      ----------------------------------------
      James J. Reilly                         
      Vice President-Finance                  

METLIFE INVESTORS USA INSURANCE COMPANY       
(Depositor)                                   
By:   /s/ James J. Reilly                     
      ----------------------------------------
      James J. Reilly                         
      Vice President-Finance                  

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  As required by the Securities Act of 1933, this Registration Statement has
been signed by the following persons in the capacities indicated on April 20,   
2011.                                                                           

                                                        [Enlarge/Download Table]

/s/ Michael K. Farrell*                                                                  
--------------------------------  Chairman of the Board, President, Chief Executive      
Michael K. Farrell                Officer                                                
/s/ James. J. Reilly*                                                                    
--------------------------------  Vice President-Finance (principal financial officer and
James J. Reilly                   principal accounting officer)                          
/s/ Susan A. Buffum*                                                                     
--------------------------------                                                         
Susan A. Buffum                   Director                                               
/s/ George Foulke*                                                                       
--------------------------------                                                         
George Foulke                     Director                                               
/s/ Elizabeth M. Forget*                                                                 
--------------------------------                                                         
Elizabeth M. Forget               Director and Executive Vice President                  
/s/ Jay S. Kaduson*                                                                      
--------------------------------                                                         
Jay S. Kaduson                    Director and Vice President                            
/s/ Bennett D. Kleinberg*                                                                
--------------------------------                                                         
Bennett D. Kleinberg              Director and Vice President                            
/s/ Kevin J. Paulson*                                                                    
--------------------------------                                                         
Kevin J. Paulson                  Director and Senior Vice President                     
/s/ Robert E. Sollmann, Jr.*                                                             
--------------------------------                                                         
Robert E. Sollmann, Jr.           Director and Executive Vice President                  
/s/ Paul A. Sylvester.*                                                                  
--------------------------------                                                         
Paul A. Sylvester                 Director                                               
                                                                                         
/s/ Jeffrey A. Tupper*            Director and Assistant Vice President                  
--------------------------------                                                         
Jeffrey A. Tupper                                                                        

                                                                [Download Table]
                                               
*By:   /s/ Michele H. Abate                    
       ----------------------------------------
       Michele H. Abate, Attorney-In-Fact      
       April 20, 2011                          

MetLife Investors USA Insurance Company. Executed by Michele H. Abate, Esquire  
on behalf of those indicated pursuant to powers of attorney filed herewith.     

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INDEX TO EXHIBITS 

5 (vii)      Form of Variable Annuity Application                               

10      Consent of Independent Registered Public Accounting Firm (Deloitte &    
Touche LLP)                                                                     

13      Powers of Attorney